Search found 4737 matches

by protagonist
Thu Sep 21, 2017 11:38 pm
Forum: Investing - Help with Personal Investments
Topic: I won the Lottery. Need sound advice.
Replies: 161
Views: 11327

Re: I won the Lottery. Need sound advice.

My current plan of action: -Pay off all debt excluding any loan/mortage 3.5% or lower, and try to refi the mortgage into 7-10 years. I'm confused about what my new income this year means for contribution amounts to Roth IRA's, etc., I'd like to max all of that out. -Move as much as I can to Vanguar...
by protagonist
Wed Sep 20, 2017 11:32 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 66
Views: 6472

Re: Xfinity Mobile

I signed up. Lots of technical glitches, huge amounts of wasted phone time. But I received... 1 Samsung S7 Edge for about $350 1 iPhone 6s for about the same price 1 LG X Charge for $1 And I am getting service at $12/mo., up to 1 gb (I usually don't use more). I intend to unlock all 3 phones. I tri...
by protagonist
Wed Sep 20, 2017 11:35 am
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 66
Views: 6472

Re: Xfinity Mobile

I signed up. Lots of technical glitches, huge amounts of wasted phone time. But I received... 1 Samsung S7 Edge for about $350 1 iPhone 6s for about the same price 1 LG X Charge for $1 And I am getting service at $12/mo., up to 1 gb (I usually don't use more). I intend to unlock all 3 phones. I tri...
by protagonist
Mon Sep 18, 2017 10:43 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 66
Views: 6472

Re: Xfinity Mobile

I signed up. Lots of technical glitches, huge amounts of wasted phone time. But I received... 1 Samsung S7 Edge for about $350 1 iPhone 6s for about the same price 1 LG X Charge for $1 And I am getting service at $12/mo., up to 1 gb (I usually don't use more). I intend to unlock all 3 phones. I trie...
by protagonist
Mon Sep 18, 2017 11:51 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2129
Views: 370944

Re: What's Your Credit Card Rewards Strategy?

Interesting news about Barclaycard Arrival +. https://www.doctorofcredit.com/is-barclay-denying-those-with-many-new-accounts-similar-to-524-contribute-data-points-here/ Arrival Plus used to be a great card....not so much anymore. I downgraded mine to the free version to keep my card history up and ...
by protagonist
Thu Sep 07, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 66
Views: 6472

Re: Xfinity Mobile

We just switched from Verizon to Xfinity 1 week ago. 2 Galaxy s8's, per Gig plan. I'm considering the plan and considering an S8 vs. an S7. I currently pay $35/month with Cricket...no additional fees. What has been your experience with the S8? It's about $200 more than the S7. From what I read onli...
by protagonist
Tue Sep 05, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Citi Costco Visa vs. Chase Sapphire Reserve
Replies: 73
Views: 7877

Re: Citi Costco Visa vs. Chase Sapphire Reserve

That all assumes you actually do travel and eat out a decent amount. If not, may just want the cash back option of Costco card... CSR $300 annual travel reimbursement casts a wide net....it even covers NYC subway fare. But ultimately the bang for the buck is not in the day to day spending. YOu woul...
by protagonist
Fri Sep 01, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: How much sooner could you retire with NO property taxes?
Replies: 116
Views: 7153

Re: How much sooner could you retire with NO property taxes?

A lot sooner. Unless I wanted my kids to get an education and had to pay private school tuition. Or if my house caught on fire and I wanted somebody to come to put the fire out. Or if there was a break-in and I wanted the police to investigate and try to recover my losses. Or if I didn't want to pay...
by protagonist
Fri Sep 01, 2017 8:46 am
Forum: Local Chapters and Bogleheads Community
Topic: [Are the Bogleheads] getting less interesting?
Replies: 255
Views: 15920

Re: [Are the Bogleheads] getting less interesting?

There are a relatively small, finite, interesting and valuable questions to be raised regarding investing. The bottom line is that investing is quite easy, at least if one subscribes to the basic tenets commonplace among those who frequent this forum. And many questions just don't have "correct answ...
by protagonist
Thu Aug 31, 2017 12:40 pm
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 150
Views: 23180

Re: The Wall Street Journal to close Google loophole entirely

It is just that sometimes WSJ articles are particularly useful for learning about business and making financial decisions. The great thing about the "Boglehead approach" to investing is that it is incredibly simple and logical. If any personal financial decision is complicated, it is probably becau...
by protagonist
Thu Aug 31, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: Would you let your teenager spend all his savings on a gaming computer?
Replies: 123
Views: 6996

Re: Would you let your teenager spend all his savings on a gaming computer?

Of course I would let him buy it.

He earned the money, didn't he?

Thus it is his to spend as he wishes. What is the point of working for a living if you are not allowed to spend the money you make on the things you want?

Besides which, building a computer is a great learning experience.
by protagonist
Thu Aug 31, 2017 12:15 pm
Forum: Personal Consumer Issues
Topic: iPhone tempered glass...$6 vs $50?
Replies: 17
Views: 1347

Re: iPhone tempered glass...$6 vs $50?

As phone screens have improved, there is a lot of controversy as to the usefulness of screen protectors. Google "screen protector usefulness" and you will see what I mean. I definitely think screen protectors of any kind...especially more protective ones....detract from your experience with your pho...
by protagonist
Wed Aug 30, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"
Replies: 139
Views: 21860

Re: Struggling with "Live like a Resident" versus "Keeping up with the Joneses"

For me, the solution is to avoid living in communities where it is important to "Keep up with the Joneses" in order to be liked and respected.

Those are not the values I would want my children to grow up with.
by protagonist
Fri Aug 25, 2017 12:46 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes and safe swr
Replies: 41
Views: 1972

Re: Taxes and safe swr

If the effective tax rate for a couple with $100K income/year is only 10% or less, wouldn't that make Roth conversion for most people much less desirable? (At least Roth conversion of significant amounts, which would entail paying high taxes up front, reduce the amount invested, and make the indivi...
by protagonist
Fri Aug 25, 2017 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes and safe swr
Replies: 41
Views: 1972

Re: Taxes and safe swr

If the effective tax rate for a couple with $100K income/year is only 10% or less, wouldn't that make Roth conversion for most people much less desirable? (At least Roth conversion of significant amounts, which would entail paying high taxes up front, reduce the amount invested, and make the individ...
by protagonist
Fri Aug 25, 2017 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes and safe swr
Replies: 41
Views: 1972

Re: Taxes and safe swr

deleted
by protagonist
Thu Aug 24, 2017 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Benefits
Replies: 31
Views: 2747

Re: Social Security Benefits

A huge mistake I humbly believe that many people make on this site is equating "maximum wealth" with "happiness" and "better life"...the latter is much more correlated with peace of mind. In that context, deciding when to start benefits is easy. Consider the fate of two retirees, Rich and Delores. B...
by protagonist
Thu Aug 24, 2017 1:16 am
Forum: Personal Consumer Issues
Topic: Miles Davis: Kind of Blue - Question for Jazz experts
Replies: 49
Views: 3198

Re: Miles Davis: Kind of Blue - Question for Jazz experts

Great suggestions above- eg chadnudj's suggestions. Here are a few others to add to the list. Kind of Blue was a pivotal album re: exploration of modal approaches to improvisation. It was a perfect place to start. I would definitely add Sonny Rollins, Saxophone Colossus. I think you will love it. I ...
by protagonist
Thu Aug 24, 2017 12:41 am
Forum: Investing - Help with Personal Investments
Topic: Stocks On Sale - What do you buy?
Replies: 64
Views: 5910

Re: Stocks On Sale - What do you buy?

I always read in countless posts and forums that... "When the markets go down, things are on sale and I buy more". What is your go too buy when a dip happens? I think all you can say is that when there is a dip, stocks are cheaper than they were before the dip. That does not necessarily imply that ...
by protagonist
Tue Aug 22, 2017 6:08 pm
Forum: Investing - Theory, News & General
Topic: Great Depression Videos on You Tube
Replies: 23
Views: 2539

Re: Great Depression Videos on You Tube

Link to video P.S. i am boringly over $1m. With a very boring asset allocation. I sleep quite well at night - also boring. How old was the 100% stocks guy? The more boring your investing life is, the more time you have to make the rest of your life interesting. That was, in fact, a big motivator fo...
by protagonist
Tue Aug 22, 2017 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: School Redistricting - What should we do?
Replies: 96
Views: 7203

Re: School Redistricting - What should we do?

I am a long time reader of this forum and truly appreciate collective wisdom. A situation just sprung upon us which is stressful and needs some careful thoughts, hence turning here for some advise. Our area is undergoing major school redistricting due to major growth in last few years that no one a...
by protagonist
Tue Aug 22, 2017 8:13 am
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Re: Is this an appropriate letter to send a neglectful attorney?

F150HD wrote:
Tue Aug 22, 2017 8:08 am
All she has to lose is ten days.
send certified, signature required.

please post results so we know what happened.
Will do.
by protagonist
Tue Aug 22, 2017 8:02 am
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Re: Is this an appropriate letter to send a neglectful attorney?

How about copying the state bar association when you send the letter to the attorney? Hi One. I thought of that. Thanks. My feeling is that this might paint her into a corner and give her less options, and it would be better to first wait for the lawyer's response. My thought is that there is more ...
by protagonist
Tue Aug 22, 2017 7:53 am
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Re: Is this an appropriate letter to send a neglectful attorney?

As of today (August ____), I have not received a reply from your office, and my husband denies ever receiving any paperwork from you. Does the husband have his own attorney? Is the correspondence supposed to be sent to the husband or his attorney? I insist that you send proof of having sent the mod...
by protagonist
Mon Aug 21, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Re: Is this an appropriate letter to send a neglectful attorney?

mouses wrote:
Mon Aug 21, 2017 5:54 pm

This time when she picks an attorney, she should check him out thoroughly. There are a lot of bums and crooks out there.
Thanks, Any advice as to the best way to do that?
by protagonist
Mon Aug 21, 2017 5:28 pm
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 7201

Re: Japanese Bubble Burst 1989

Very interesting responses to my inquiry regarding the aftermath of the Japanese bubble. Thank you.
by protagonist
Mon Aug 21, 2017 5:24 pm
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Re: Is this an appropriate letter to send a neglectful attorney?

I would just let my new lawyer handle that. Good point....I initially said the same thing.....except I think her case is quite straightforward, and if she can force the issue with this lawyer and get a timely court date it would save her a lot of hassle finding a new lawyer , as well as probably sa...
by protagonist
Mon Aug 21, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: Is this an appropriate letter to send a neglectful attorney?
Replies: 17
Views: 1683

Is this an appropriate letter to send a neglectful attorney?

A relative going through divorce has an attorney who has been unresponsive. Is this an appropriate letter for her to send? And if not, please suggest modifications. Dear Mr. : On October 26, 2016 you received a retainer from me in the amount of five thousand dollars. Subsequently I documented numero...
by protagonist
Mon Aug 21, 2017 7:04 am
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 7201

Re: Japanese Bubble Burst 1989

And yet, despite the 28 year steady and dramatic decline, if you look at economic indicators, health care, longevity, unemployment, etc., Japan is still doing quite well by pretty much all parameters. I find that interesting. Maybe not as well as in 1989, but they are still quite prosperous. The 19...
by protagonist
Sun Aug 20, 2017 11:40 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5421

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

This is great advice that is, unfortunately, nearly useless, since almost every site requires capital letters, numbers and special characters thrown in.
by protagonist
Sun Aug 20, 2017 9:00 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

I can't argue with the logic of any of what I read above, regarding why the USA will remain pre-eminent and prosperous. All good arguments. The problem is, however, that there are so many possibilities in the world, that it is easy to come up with a convincing argument to support just about any reas...
by protagonist
Sun Aug 20, 2017 8:34 pm
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 7201

Re: Japanese Bubble Burst 1989

And yet, despite the 28 year steady and dramatic decline, if you look at economic indicators, health care, longevity, unemployment, etc., Japan is still doing quite well by pretty much all parameters. I find that interesting. Maybe not as well as in 1989, but they are still quite prosperous. The 192...
by protagonist
Sun Aug 20, 2017 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Adjusting AA as retirement nears
Replies: 64
Views: 6676

Re: Adjusting AA as retirement nears

barefoot.... If you theoretically have enough money to maintain your lifestyle at a reasonable level without significant compromise through retirement by just keeping up with inflation, you might consider abandoning the "AA" approach. Just keep what you believe you will need to maintain your lifesty...
by protagonist
Sat Aug 19, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3107

Re: "Structured" Flip Flops, Slides

For what it is worth: http://thesweethome.com/reviews/best-be ... #flipflops

I generally trust their reviews above all others, but flip flops are a very personal item. What works for one may not work for another.
by protagonist
Sat Aug 19, 2017 10:38 pm
Forum: Personal Consumer Issues
Topic: Frozen steaks ordered through the mail
Replies: 29
Views: 3083

Re: Frozen steaks ordered through the mail

We like the idea of individually portioned, frozen, good quality steaks. We tried Omaha Steaks, not crazy about them. Other suggestions? appreciated. Nothing beats a high quality local butcher. They can cut steaks to order- individual portions if desired. Maybe there is one near you. And they would...
by protagonist
Sat Aug 19, 2017 10:24 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

The huge advantage the US enjoys with its geographic location,amount of rivers and lakes,etc.is well documented.The people of course have to take advantage of it,which we have.No country on earth has the geographical,natural resource and agricultural benefits we enjoy.That will not be changing. Wow...
by protagonist
Sat Aug 19, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

I would bet the US will still be the major world power.We are so blessed with our location and natural resources,it creates a huge advantage. As far as the financial markets are concerned,I have little faith in any predictions made by anyone. Venezuela is blessed with natural resources. So is Niger...
by protagonist
Sat Aug 19, 2017 8:21 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. And there is a very good chance that the world of 2067 will not be a whole lot like 2017. And we have no clue today as to how it will b...
by protagonist
Sat Aug 19, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. And there is a very good chance that the world of 2067 will not be a whole lot like 2017. And we have no clue today as to how it will b...
by protagonist
Sat Aug 19, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: "Structured" Flip Flops, Slides
Replies: 30
Views: 3107

Re: "Structured" Flip Flops, Slides

If anybody has tried Nakefit, or things like Nakefit, I would be interested to hear their experience: https://www.walmart.com/ip/Nakefit-Feet-Sticker-Shoes-Adhesive-Feet-Protection-Foot-Pads-Stick-On-Soles/203440261? Similar ones are available on eBay for $1.99 Or I guess I will just try them myself...
by protagonist
Sat Aug 19, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 70
Views: 5998

Re: Where to buy glasses for eclipse viewing ?

You can get 20 for $20 on Amazon Make sure they are ISO-12312-2 compliant. Good deal. During the 1870 solar eclipse, they were selling for $70, and those were 1870 dollars. Butter was still 15 cents a pound in 1870. I imagine they will go up precipitously on Tuesday morning in Salem and Charleston....
by protagonist
Sat Aug 19, 2017 12:05 pm
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 7422

Re: IBonds: My worst bond investment over the last 5 years

My point was that few would have predicted this 5 years ago, including myself. That's all. Few predicted the 2008 crash in 2003. Or even in 2007. And few predicted that the Dow would be over 21000 today in 2012. The bottom line is the future is unpredictable. The few fortunate ones who "get it righ...
by protagonist
Sat Aug 19, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: IBonds: My worst bond investment over the last 5 years
Replies: 74
Views: 7422

Re: IBonds: My worst bond investment over the last 5 years

OP..... Investing in I-bonds is a purely defensive move. In terms of return over the last five years, you could say it was your "worst bond investment" because it provided the lowest return. That said,it is your most secure investment. By your definition, investment in any bonds has been a much wors...
by protagonist
Sat Aug 19, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: Boston to Maine road trip
Replies: 64
Views: 3948

Re: Boston to Maine road trip

I've found this thread very helpful because I'm planning a week trip in early September and haven't had much chance to do a lot of planning. I have three nights booked at Bar Harbor, primarily to see Acadia, but the rest of the trip is open. I'm driving from around NYC, so it sounds like either Por...
by protagonist
Sat Aug 19, 2017 11:27 am
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 85
Views: 11325

Re: Study: The Rate of Return on Everything, 1870-2015

To be honest,what happened 100 years ago or even 50 years ago financially is not all that meaningful to the world we live in now,especially as any predictive tool. And there is a very good chance that the world of 2067 will not be a whole lot like 2017. And we have no clue today as to how it will b...
by protagonist
Sat Aug 19, 2017 11:20 am
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 24
Views: 1582

Re: Advice on buying a musical instrument

It took me years of shopping all over the world before I found my dream saxophone (a vintage 1955 Mark VI tenor, for those of you who know saxes). It was worth the wait. I would imagine violins to be more varied and idiosyncratic than saxophones. Take your time and make the effort. Like (hopefully, ...
by protagonist
Sat Aug 19, 2017 11:15 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14511

Re: How far would you travel to see The Eclipse?

Here in MA we will get about 63% of totality. I am a diehard science geek. That said, as cool as it seems to be there for the 2 1/2 minutes of totality, I am comfortable with watching it from home and then checking out totality videos on youtube. It would be cool to watch birds freak out. That will ...
by protagonist
Fri Aug 18, 2017 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Florida vs New Jersey Residency
Replies: 17
Views: 2182

Re: Florida vs New Jersey Residency

TheAncientOne wrote:
Fri Aug 18, 2017 8:09 am
As a practical matter, states up north are only monitoring individuals who are either filthy rich or very well known.
Is this true? Can you document this?
by protagonist
Fri Aug 18, 2017 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15940

Re: Lost $7000 today in ONE DAY!

Another lesson might be that if a 1.2% drop in the stock market gives you significant anxiety, perhaps the stock market is not for you. Think about how you might respond to a 50% drop. I don't think OP came up with that allocation, without ever encountering the "visualize a 50% drop in equities" ad...
by protagonist
Fri Aug 18, 2017 8:35 am
Forum: Personal Finance (Not Investing)
Topic: New job, life changes
Replies: 26
Views: 2162

Re: New job, life changes

What do we do the the increase of income? Do I max out of my 401k? That's a great plan. Especially if your employer matches your contributions. Another plan would be paying down your mortgage. And yes, an emergency fund is a good idea. Then again, you could just spend more money on fun. (laughing) ...