Search found 3797 matches

by protagonist
Mon May 23, 2016 3:38 pm
Forum: Investing - Help with Personal Investments
Topic: How much money do you keep in your regular checking/savings?
Replies: 104
Views: 11695

Re: How much money do you keep in your regular checking/savings?

I guess I am an outlier here, in that I keep at least one years' expenses in an online savings account (1.06% interest). That is much more than most of you, and more than I would ideally like to keep earning that little. But I am an early retiree, I don't have a steady income, I don't collect SS, an...
by protagonist
Mon May 23, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 60
Views: 3446

Re: Most affordable option for a will

What's a good but affordable option for a will/estate. I'm in Colorado. Very simple: 1. Have brother get kids (in event of death). 2. Have brother use life insurance/savings to raise kids til 18 and then give leftover to split between them. Seems simple enough that there should just be a form that ...
by protagonist
Mon May 23, 2016 10:59 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 46
Views: 3127

Re: Which HBO show to watch next?

Deadwood may be my favorite ever.

Why do they have to be HBO shows? There are lots of good shows that are not on HBO that have not been mentioned. I'd suggest others but I don't know what is or is not on HBO. I just download stuff.
by protagonist
Mon May 23, 2016 10:47 am
Forum: Personal Finance (Not Investing)
Topic: Most affordable option for a will
Replies: 60
Views: 3446

Re: Most affordable option for a will

What's a good but affordable option for a will/estate. I'm in Colorado. Very simple: 1. Have brother get kids (in event of death). 2. Have brother use life insurance/savings to raise kids til 18 and then give leftover to split between them. Seems simple enough that there should just be a form that ...
by protagonist
Mon May 23, 2016 10:34 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 58
Views: 3828

Re: Best credit card deal

If you need to prove your credit worthiness, and you have a parent or significant other or child or somebody who has credit and is willing to take the risk, you could try to get somebody with good credit to cosign a loan, or sign you on as an "authorized user" of their credit card. Of cour...
by protagonist
Mon May 23, 2016 10:05 am
Forum: Investing - Theory, News & General
Topic: Why do we believe in the market?
Replies: 33
Views: 2660

Re: Why do we believe in the market?

Notsobright.....I think you are a lot brighter than your name suggests. You are asking the right question. I don't "believe" in the market (as per the title thread), though I think many here do. I invest in the market because I have to do something with my money, and I am willing to take a...
by protagonist
Mon May 23, 2016 9:57 am
Forum: Personal Consumer Issues
Topic: WW2 Books & Education
Replies: 69
Views: 1907

Re: WW2 Books & Education

For a fun, painless introduction, you might watch the Ken Burns documentary miniseries (entitled "The War" I think).
by protagonist
Mon May 23, 2016 9:54 am
Forum: Personal Consumer Issues
Topic: Solar Panels offering free Panels in Pa? (Vivint Solar)
Replies: 13
Views: 878

Re: Solar Panels offering free Panels in Pa? (Vivint Solar)

I'd be careful. I don't know about Vivint, but I read this about Solar City when I got a similar pitch: http://watchdog.org/130098/solarcity-horror-stories/
by protagonist
Mon May 23, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 50
Views: 4437

Re: safe alternative to stock market

"Investors are often asked by financial advisors to take risk tolerance questionnaires intended to help determine how aggressive or conservative their investments should be. But Jane Bryant Quinn in her book, How to Make Your Money Last, calls the questionnaires "... generally bunk. You’l...
by protagonist
Mon May 23, 2016 9:41 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1180

Re: day trip or 2day trips from Boston

Sorry Biddeford pool I used to go to Biddeford Pool every summer. It was wonderful. I stayed at John Oddi's guest house....you could buy a live lobster at the local fish store and John would steam it up for you for dinner. The village is sandwiched between the large tidal pool and a beautiful beach...
by protagonist
Mon May 23, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 58
Views: 3828

Re: Best credit card deal

It does not appear that OP is too interested in getting a credit card - more like complaining why his 'no credit' philosophy does not work as he assumed it would/should. Credit cards are not, in fact, the best idea for everyone. The first reference that popped up when I googled "average credit...
by protagonist
Fri May 20, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 58
Views: 3828

Re: Best credit card deal

Cash back cards only make sense if you never fly or stay in hotels, if you are not eligible for promotions, or if you just don't want to play the game. That being said, I'm not a card churner and never will be, I find I don't have that temperament. But to my POV, 2% cash back versus 2% travel point...
by protagonist
Fri May 20, 2016 7:55 am
Forum: Personal Consumer Issues
Topic: Replacing landline/DSL with cell only
Replies: 35
Views: 1682

Re: Replacing landline/DSL with cell only

Straight talk is fine. I use Cricket, which I prefer. They are all about the same (though in most served areas, AT+T or Verizon probably provide better coverage than the other companies and so I would go with one that works on the AT+T or Verizon network). I have tethered on Cricket and have not bee...
by protagonist
Fri May 20, 2016 7:43 am
Forum: Investing - Theory, News & General
Topic: safe alternative to stock market
Replies: 50
Views: 4437

Re: safe alternative to stock market

Thanks, What happened to the 5% CD rates that my grandma got for me?! If I was just starting out without a lot of savings, I would put all my money in those savings accounts that are associated with debit cards and pay 5% interest, FDIC-insured (like Netspend and Brinks). 5% insured is, IMHO, a bet...
by protagonist
Fri May 20, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Best credit card deal
Replies: 58
Views: 3828

Re: Best credit card deal

I disagree with posters who suggest a 2% cash back card over a miles/points card. True, for most people it is probably better than accumulating mileage points for day to day spending, because even if you can do better than 2% on the cost of a plane ticket with points vs. paying with cash, in most ca...
by protagonist
Fri May 20, 2016 7:07 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1180

Re: day trip or 2day trips from Boston

Yes....if the weather is half decent, expect TERRIBLE traffic heading along the coast north or south, towards Maine or the Cape. Also lots of traffic on roads between Boston or the Cape and New York City. You might be lucky, but remember, you are dealing with people who are largely cooped up for hal...
by protagonist
Thu May 19, 2016 1:11 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

I set up an Ally account and things are running smoothly now.
by protagonist
Thu May 19, 2016 8:59 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1180

Re: day trip or 2day trips from Boston

Here is a personal guide to Boston that I prepared for some visitors from the UK who were coming this time of year some years ago. I am sure some of the information is outdated by now, so check first, and if things don't work or if we have different tastes, please don't shoot the messenger (smile): ...
by protagonist
Thu May 19, 2016 8:44 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1180

Re: day trip or 2day trips from Boston

If you stay in the city, and the weather is nice, you might check out Community Boating on the Charles River. You can hook up with a member and take a sailboat out on the Charles to get a different perspective on the city. A nice short trip would be out to the deCordova Museum in Lincoln, and you ca...
by protagonist
Thu May 19, 2016 12:10 am
Forum: Personal Finance (Not Investing)
Topic: 10 Year TIPS Auction
Replies: 14
Views: 1084

Re: 10 Year TIPS Auction

I would look into CDs with generous early withdrawal penalties. If you are looking for a CD in a tax-advantaged account (I assume this might be the case if you are considering TIPS), Andrews FCU was offering a 5 year IRA certificate at 3%, I think with a 6 month EWP. That would have a very good chan...
by protagonist
Thu May 19, 2016 12:02 am
Forum: Personal Consumer Issues
Topic: day trip or 2day trips from Boston
Replies: 25
Views: 1180

Re: day trip or 2day trips from Boston

How far are you willing to drive?
by protagonist
Wed May 18, 2016 8:11 am
Forum: Personal Consumer Issues
Topic: The 10 Best States to Grow Old in
Replies: 31
Views: 5032

Re: The 10 Best States to Grow Old in

It doesn't appear that weather was a consideration with the best list. No kidding! Cold weather keeps you tough and ornery. See, for example, Jackrabbit Johannsen http://laurentian.quebecheritageweb.com/article/herman-jackrabbit-smith-johannsen-1875-1987 except maybe not the ornery part. Also, see ...
by protagonist
Wed May 18, 2016 7:44 am
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6400

Re: "Don't you dare figure it out on your own!"

$200 per hour is a reasonable charge in my opinion, and $8k total is a reasonable total in my opinion. To me that would depend upon the amount of education and training required for the task, the complexity of the task, and the personal liability/risk of the professional. My attorney charges $200/h...
by protagonist
Wed May 18, 2016 7:37 am
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9629

Re: I Bond rates for May 1 announced

Rainier wrote:
There is 3g mobile internet at Mount Everest basecamp

Can't cater to people without computers for all eternity.


I was going to climb it this year, but I am waiting until they get 4G-LTE.
by protagonist
Tue May 17, 2016 10:42 pm
Forum: Investing - Theory, News & General
Topic: I Bond rates for May 1 announced
Replies: 65
Views: 9629

Re: I Bond rates for May 1 announced

Is anyone continuing to buy at these rates? If there was 5% annual inflation, a composite rate of 5.10% would leave you no richer than a composite rate of 0.26% would leave you if the inflation rate was 0.16%/yr. And for all we know, next year the inflation rate might be 5%, and these bonds would t...
by protagonist
Tue May 17, 2016 10:32 pm
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 158
Views: 59506

Re: A time to EVALUATE your jitters

from the Economist's Buttonwood: Elroy Dimson, Paul Marsh and Mike Staunton of the London Business School are the acknowledged experts on global investment returns, having compiled data covering 22 countries over more than a century. As of February 2013, the longest period of negative real returns ...
by protagonist
Tue May 17, 2016 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: 7 month / 7% / $7K CD at nrlfcu
Replies: 43
Views: 6229

Re: 7mo/7%/7K CD at nrlfcu

I don't see anything about this on their website, unless I missed it.

Too late I think?
by protagonist
Tue May 17, 2016 10:09 pm
Forum: Investing - Help with Personal Investments
Topic: My friend wants to invest money; please review my advice for her
Replies: 44
Views: 3151

Re: My friend wants to invest money; please review my advice for her

If she is making only $20K, at this stage of her life, I would suggest that the other side of the equation is perhaps more important than investing. That is, how to stay out of debt. Especially credit card debt, if that is an issue with her. And help her become a wise consumer. Alternatives to cable...
by protagonist
Tue May 17, 2016 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: "Don't you dare figure it out on your own!"
Replies: 38
Views: 6400

Re: "Don't you dare figure it out on your own!"

So my question is, do I need an independent financial planner to help me figure this stuff out? If you are asking that question, and have made it to here, my guess is no. What one needs to know to manage their own finances in a responsible fashion is not a lot....it's quite simple. But really, do I...
by protagonist
Tue May 17, 2016 5:52 pm
Forum: Personal Consumer Issues
Topic: Verizon Fios Customers - Watch your invoice
Replies: 8
Views: 1066

Re: Verizon Fios Customers - Watch your invoice

I switched to Comcast last summer, got a promotional rate guaranteed for a year, and to my surprise I have not seen any sneaky increases in my bill, though I was warned about it by several internet posters before signing up. It is the one bill that I do not put on auto-pay. Too many ugly stories. I ...
by protagonist
Tue May 17, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

I opened an Ally account for purposes above. if these prepaid cards give you the jitters there's always rewards checking accounts that pay 3%. Of course these prepaid cards promising 5% interest in a world where few banks offer better than 1% and their promised interest in an "FDIC-insured acc...
by protagonist
Tue May 17, 2016 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

I am literally confused by what "culture" means in that context, no joke. The arts? Historic areas? Certain types of shopping? Just curious what that definition is for you. "Culturally rich" and "HCOL" are not necessarily synonymous. Whereas there are certainly HCOL co...
by protagonist
Tue May 17, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

I have 3 set up so far. I intend to set up more.

Seems like others have not run into the same snags as I have. Oh well. Just lucky I guess.
by protagonist
Tue May 17, 2016 11:25 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

I opened an Ally account for purposes above. if these prepaid cards give you the jitters there's always rewards checking accounts that pay 3%. Of course these prepaid cards promising 5% interest in a world where few banks offer better than 1% and their promised interest in an "FDIC-insured acco...
by protagonist
Tue May 17, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 30
Views: 1625

Re: Any bad experiences with Brooklyn Bedding mattress?

Though the BB "soft" came closest to my desired mattress, I purchased a medium, and added a 3" soft 100% natural Talalay topper. Specifically, which 3" Talalay latex topper did you use? I'm looking for one and there are so many to choose from. ^checking receipt* "Queen Topp...
by protagonist
Tue May 17, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 30
Views: 1625

Re: Any bad experiences with Brooklyn Bedding mattress?

Thanks for the info. Like I mentioned I am worried about the bed not softening up much. I believe i read somewhere that before you return the bed after the 30 days if you contact them they may offer some type of mattress topper to help with the firmness? I do really think following Mario's suggesti...
by protagonist
Mon May 16, 2016 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

Curious: What are the criteria for a HCOL vs MCOL vs LCOL community? I imagine it might be mostly based on median home prices and rents....if so, are there any objective numbers to attach to these classifications or is it all subjective? If it is objective, what are the numbers? And if it is subject...
by protagonist
Mon May 16, 2016 5:12 pm
Forum: Personal Consumer Issues
Topic: Any bad experiences with Brooklyn Bedding mattress?
Replies: 30
Views: 1625

Re: Any bad experiences with Brooklyn Bedding mattress?

I bought a Brooklyn Bedding mattress (estimate: about a year ago) and have no real complaints. It is my second latex mattress. The price was excellent and it arrived in a very timely manner. It's not the most beautiful mattress (exterior), but that is not what I was seeking. I shopped around, figure...
by protagonist
Mon May 16, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

Private schools do not result in no drugs being used outside of school... but it does change what kind of drugs. When my daughter was in high school, she told me that when kids wanted to buy drugs, fake IDs, etc. they did not typically buy them from kids at the public school (mixed income community...
by protagonist
Mon May 16, 2016 3:15 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 105
Views: 8107

Re: Sell in May and go away

VictoriaF wrote:Also, psychologists and behavioral economists have established that people find rhymed statements more believable,

Victoria


That's a very valuable piece of information. The next time I want to really convince somebody of anything, I shall do it in a limerick.
by protagonist
Mon May 16, 2016 2:37 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

I also find it curious that people think living in a wealthy community is a negative in terms of the constant pressure to compare and compete materially, but don't give any mention as to how surrounding oneself with financially successful people may help one to stretch to reach goals and objectives...
by protagonist
Mon May 16, 2016 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

but nice places to live usually come at a high cost as there is lots competition to live in them (along with high paying jobs). We'd ideally like to stay in this area and raise our girls here if we can continue to make it work financially. While there are pros and cons to every place, we feel there...
by protagonist
Mon May 16, 2016 1:43 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

In response to this thread, I have set up 3 Netspend accounts and deposited $5K in each, and it has been anything BUT simple. Without going into details, I ran into multiple snags along the way and spent a lot of time with several phone calls. Now I am at the point of trying to set up automatic dep...
by protagonist
Sun May 15, 2016 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Rich But Middle Class
Replies: 233
Views: 20686

Re: Rich But Middle Class

We are trying to stay somewhat grounded Move for the kids. How grounded are your kids going to be growing up in that area? +1. GREAT response. I live in a college town in New England with a wide variety of incomes....many very affluent people and many starving artists, and many in between. You can'...
by protagonist
Sun May 15, 2016 1:07 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 145
Views: 18500

Re: guaranteed 5% vs stocks?

In response to this thread, I have set up 3 Netspend accounts and deposited $5K in each, and it has been anything BUT simple. Without going into details, I ran into multiple snags along the way and spent a lot of time with several phone calls. Now I am at the point of trying to set up automatic depo...
by protagonist
Thu May 12, 2016 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Career path and cost of living.
Replies: 28
Views: 2593

Re: Career path and cost of living.

You'll need $250K+ to live comfortably in the Bay Area (ie. single family home in decent area, raise children, a little disposable income) - if you have no ties to the Bay Area, then it might not be worth the grind. The median family income in the SF metropolitan area is $83,222. The median family ...
by protagonist
Thu May 12, 2016 2:36 pm
Forum: Personal Finance (Not Investing)
Topic: Career path and cost of living.
Replies: 28
Views: 2593

Re: Career path and cost of living.

Contrarian here... Maybe Yellowgirl and her partner WANT to live in Washington or California. Many people are drawn to the west coast for several reasons beyond financial, and are willing to pay a premium to live there. For many, life does not start at retirement. Plus, Yellowgirl's question was how...
by protagonist
Thu May 12, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchasing tax reciprocity with Massachusetts
Replies: 28
Views: 2920

Re: Car purchasing tax reciprocity with Massachusetts

An override referendum means that the municipality's tax income rise can exceed 2.5%. If an override is passed, and, for example, the tax rate increases by over 2.5% for the following year, does that become the new baseline? Or is the municipality obligated to return to the old baseline when calcul...
by protagonist
Wed May 11, 2016 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: Car purchasing tax reciprocity with Massachusetts
Replies: 28
Views: 2920

Re: Car purchasing tax reciprocity with Massachusetts

My real estate tax rate in MA has gone up at a far greater rate than 2.5%/year, and the rate has greatly exceeded inflation. In 2009 it was $10.89/$1000. This year it is $16.16/$1000. We have had one or two overrides for school renovation projects. I don't know how Prop 2.5 works, but in the last 7...
by protagonist
Wed May 11, 2016 8:46 am
Forum: Investing - Help with Personal Investments
Topic: Should I hold on to my Apple stock?
Replies: 76
Views: 8034

Re: Should I hold on to my Apple stock?

Before I would give up my "buy and hold" index fund strategy and go back to owning individual stocks as I did in the 90s, I would have to be reliably convinced that my individual holdings had not only a 50-50 chance of overperforming the indices, but a SIGNIFICANTLY BETTER than 50-50 chanc...

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