Search found 4667 matches

by protagonist
Mon Jul 24, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 106
Views: 4810

Re: Investing Education and Mansplaining

And, a lot of women relatives of all ages seem to prefer to learn from women. If what you say is true, then that opinion will be perceived as mansplaining. So - if anyone knows of a source of video education on investing that features women educators, I'd appreciate hearing about it. Thanks, Small ...
by protagonist
Mon Jul 24, 2017 9:04 am
Forum: Personal Consumer Issues
Topic: Lifetime Tire Alignment
Replies: 31
Views: 2014

Re: Lifetime Tire Alignment

I've never had an alignment. My tires are at least 8 years old and still passing inspection. My tires seem to be wearing fairly evenly- I get them rotated about once a year. Does "lifetime" mean the life of the tires or the life of the car? I suppose if you intend to keep your car for a re...
by protagonist
Mon Jul 24, 2017 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Does VGTSX have potential to go up? Double? Triple?
Replies: 13
Views: 2272

Re: Does VGTSX have potential to go up? Double? Triple?

Anything has the potential to go up or down.

The greater the upward potential, the greater the downward potential. Risk is proportional to potential reward.

That's pretty much all any of us know.
by protagonist
Sun Jul 23, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Switching iPhone to Android...PITA?
Replies: 55
Views: 3465

Re: Switching iPhone to Android...PITA?

I figure one day I will probably get a Windows phone (I am guessing that Windows will eventually surpass Apple as the dominant paradigm...I know...it's a bit like playing the market...). Seeing this article - https://www.engadget.com/2017/07/11/windows-phone-support-ends/ - remined me of this threa...
by protagonist
Sat Jul 15, 2017 3:55 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7185

Re: how to destroy hard disk with personal info

VictoriaF wrote:
azurekep wrote:"Alexa, destroy my hard drive."


This is dangerous! Recall that when Jeff asked her to buy something from Costco, she has bought Costco.

Victoria



I wonder if that is how Amazon bought Whole Foods. "Alexa, buy Whole Foods".
by protagonist
Fri Jul 14, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Moving a car cross country
Replies: 54
Views: 2599

Re: Moving a car cross country

Options: 1. Drive both cars. Communication should not be so important. There are numerous communication options, and even if they all failed, can't you stand to be out of touch with each other for up to 6 hours/day? Just arrange meeting spots. 2. Drive one car, then fly back and pick up the other ca...
by protagonist
Fri Jul 14, 2017 1:08 pm
Forum: Personal Consumer Issues
Topic: how to destroy hard disk with personal info
Replies: 99
Views: 7185

Re: how to destroy hard disk with personal info

I'd just throw it away. I've done that before. What are the chances that some geeky criminal would recover your hard disk from the landfill and then go to great lengths to attempt to recover your data, and , if successful, use that information to somehow hurt you? I would think you are taking much g...
by protagonist
Fri Jul 14, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Hiding the TV
Replies: 13
Views: 1751

Re: Hiding the TV

That is a huge and very expensive piece of furniture.

I am more or less a minimalist. I find a thin TV much less of an eyesore than a large, unnecessary piece of furniture whose purpose is predominantly to hide the TV. Same with stereo equipment.

But that's me. I acknowledge that tastes vary.
by protagonist
Fri Jul 14, 2017 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: Finance Q for those that have gone through Divorce
Replies: 36
Views: 2554

Re: Finance Q for those that have gone through Divorce

You really need the counsel of a Colorado lawyer. Possibly not the same one you would hire to mediate or file for the divorce, but to review your options. +1. Courts are very protective of the child's right to support through age 18, Age 23 here in Massachusetts. If you don't come to an agreement, ...
by protagonist
Wed Jul 12, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1937

Re: What to do about unresponsive attorney holding retainer

Anyway, back on track...(sorry, my fault...) Any other ideas as to how she should proceed? The overwhelming view (from my reading of the above) seems to be to offer the attorney an ultimatum with a time limit and a copy to the NY Bar Association, and, if not met, cut bait. I get that might be her be...
by protagonist
Wed Jul 12, 2017 11:29 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1937

Re: What to do about unresponsive attorney holding retainer

I'm surprised that you thought the one at $400 was expensive if the other one she contacted was $700. Honestly, I have no idea what a fair hourly fee is for a suburban NYC attorney. I went through a divorce 10 years ago in MA and, compared with what I paid (I had an expensive lawyer by the standard...
by protagonist
Wed Jul 12, 2017 8:00 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1937

Re: What to do about unresponsive attorney holding retainer

I realize this is a very difficult question to answer, but if she does hire another lawyer, how should she go about finding the right person? The lawyer with whom she is currently working came highly recommended by an affluent friend who used him for his divorce. To me, the lawyer seems very expensi...
by protagonist
Wed Jul 12, 2017 7:17 am
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1937

Re: What to do about unresponsive attorney holding retainer

This is really simple. Draft a specific review of the matter, refine and tighten it, send it to the attorney by certified mail, return receipt with a copy indicated on the face of the letter addressed to the Bar Association of New York. The letter should demand specific action. If it seems right ba...
by protagonist
Tue Jul 11, 2017 10:16 pm
Forum: Personal Consumer Issues
Topic: Advice on buying a musical instrument
Replies: 17
Views: 994

Re: Advice on buying a musical instrument

I second the advice of continuing to try various instruments over time until one of them screams out at you : "Buy me please!" A quality instrument is a good investment....it should not lose value and may become more valuable, and if you love it, you will be more motivated and be happier a...
by protagonist
Tue Jul 11, 2017 9:57 pm
Forum: Personal Consumer Issues
Topic: What to do about unresponsive attorney holding retainer
Replies: 17
Views: 1937

What to do about unresponsive attorney holding retainer

A relative is going through a divorce. She has a legal separation agreement worked out years ago and signed by a judge. She just needs to get the divorce finalized. She is a US citizen residing in NY state. Her husband is overseas, not a US citizen, and not cooperative. She hired a recommended NY at...
by protagonist
Mon Jul 10, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: A good VISA card for Gas & Groceries?
Replies: 66
Views: 3836

Re: A good VISA card for Gas & Groceries?

For gas: If you are near a Cumberland Farms station, the Cumberland Farms debit card gives you 10 cents off per gallon, which is cheaper than any other stations in my region. You get it at the station- no hard pull. Groceries and gas- Chase Freedom is a good choice since 3 mos/yr you get 5 UR points...
by protagonist
Sun Jul 09, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1278

Re: Android phone, which one?

While on the subject, a friend has a OnePlus One. I really liked mine, but she finds it uncomfortable to hold (she has smaller hands). Most of the smaller yet economical phones seem to be lacking in quality based on reviews (like I am very happy with my ZTE Axon 7 but the Axon 7 Mini gets much worse...
by protagonist
Sat Jul 08, 2017 2:59 pm
Forum: Personal Consumer Issues
Topic: Android phone, which one?
Replies: 16
Views: 1278

Re: Android phone, which one?

Definitely an unlocked one. I think a good price point is around $250-450....lots of unlocked phones around that general price spread that are close in quality to the flagship $800 brands. I don't think there is a huge difference in phones these days...most all of them have all the resolution, camer...
by protagonist
Sat Jul 08, 2017 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: tell me about real estate investment
Replies: 36
Views: 2902

Re: tell me about real estate investment

For those advocating REITs instead of residential property, particularly Vanguard's VGSLX, there seems to be a big difference between the two assets. Aside from the fact that OP is interested in presumably buying residential (and presumably in his location), VGSLX is only comprised of 16.6% residen...
by protagonist
Fri Jul 07, 2017 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9595

Re: Long term care insurance - is it worth it?

+1@TD2626. It's all about risk management :oops: Thank you. It's all too often that people simplysay "the premiums are too high" or "the cost of a nursing home is staggering". Buying LTCI is simply more nuanced than that. One must look at the both return (in this case, negative ...
by protagonist
Thu Jul 06, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? Six Months Progress
Replies: 161
Views: 16880

Re: Learning an instrument as an adult? Almost Five Month Update

I'm still working on Gavotte, Happy Farmer, and Minuets in Book 1, but I can play them all. I even earned a, "wow, that was really nicely played" from my teacher on Minuet 2. Sweet! I have fond memories of going through those pieces with my daughter when she was studying violin years ago....
by protagonist
Thu Jul 06, 2017 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: tell me about real estate investment
Replies: 36
Views: 2902

Re: tell me about real estate investment

I realize this is a contrarian viewpoint, since many people here do not consider their primary residence an "investment", but I disagree with that. I don't want to get into arguing the point since it would derail the thread. That said, for many people , by the time they approach retirement...
by protagonist
Thu Jul 06, 2017 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Long term care insurance - is it worth it?
Replies: 156
Views: 9595

Re: Long term care insurance - is it worth it?

A quick Google search yielded this from a few sources....I don't know how useful or accurate it is but you can fact-check: Average Length of Stays (Nursing Homes) 5 years or more 12.0% 3 to 5 years 12.0% 1 to 3 years 30.3% 6 to 12 months 14.2% 3 to 6 months 10.0% less than 3 months 20.0% Average Len...
by protagonist
Thu Jul 06, 2017 5:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3589
Views: 946611

Low correlation between Dow and S+P 500

This is vaguely interesting, though I imagine it doesn't mean much...probably just noise, and a good opportunity to publish an article. http://www.marketwatch.com/story/the-do ... 2017-07-06
by protagonist
Wed Jul 05, 2017 12:33 pm
Forum: Investing - Help with Personal Investments
Topic: "CD ladder" seems to make no sense
Replies: 55
Views: 10639

Re: "CD ladder" seems to make no sense

...I'm curious about your assessment. Given two hypothetical CDs: 1. 5 year CD at 2.75% APY with a statement (but, as you say, no guarantee) that they allow penalty-free early withdrawals. or 2. 5 year CD with a 12 month EWP and no such statement in their disclosure, What interest rate (APY) would ...
by protagonist
Mon Jul 03, 2017 7:17 pm
Forum: Personal Consumer Issues
Topic: Thinking of moving from MA to RI
Replies: 19
Views: 2183

Re: Thinking of moving from MA to RI

bsteiner wrote:
simplesimon wrote:Has anybody made this move or knows anybody who did? ...


Roger Williams in 1636.


He wasn't given a choice. He moved to avoid prison. The OP (I assume) is much more fortunate. And from what I gather, it was a rather rough go for Williams, though probably better than the alternative.
by protagonist
Mon Jul 03, 2017 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: "CD ladder" seems to make no sense
Replies: 55
Views: 10639

Re: "CD ladder" seems to make no sense

Is there something I don't get? Yes, the possibility that the bank will refuse to let you make the early withdrawal. Banks have customarily and routinely allowed early withdrawals. Many people assume they can always get their money out of a CD on demand whenever they need it--that is, they have an ...
by protagonist
Thu Jun 29, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: 27, Single, 25k Income with 100k Cash - Lost
Replies: 29
Views: 2799

Re: 27, Single, 25k Income with 100k Cash - Lost

I have it in a 1.85% savings account in the short term. I'm looking at accounts over 3% but they seem to have a lot of hoops to jump through. I'm curious about what savings account offers 1.85%. I only know of one 6 year CD that offers 3% and it comes with a 12 month EWP. I don't know if it is stil...
by protagonist
Thu Jun 29, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Lots of trades in my IRAs ?
Replies: 18
Views: 1334

Re: Lots of trades in my IRAs ?

Ok, this is my 2nd post over the past few days but I recently had lots of contact from my EJ advisor, as I'm getting ready to (although he doesn't know it) move my accounts. I've received a notice of trades in my IRAs. Ten "buys" over the past month within my Roth and Traditional IRAs. Bu...
by protagonist
Thu Jun 29, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 64
Views: 7714

Re: Suits: best bang for your buck?

I like nice suits, I like travel even more. This is a brilliant idea. I used to have suits tailor made in Asia. Now I spend a small fortune at Barneys and the like (but should not). I endorse this post. I took a trip to Vietnam this past winter. While there, I had a suit tailored for me at a place ...
by protagonist
Thu Jun 29, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 3951

Re: New cars w/ no CD player -- what can I do with my CDs?

Like a younger purple-haired punk rocker girlfriend taught me when I was in my 30s, you have to stay contemporary or you will start growing moss. Moss hair is more authoritative than purple hair. Victoria I will pass that on to all of my male friends who express interest in authoritarian partners. ...
by protagonist
Tue Jun 27, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: New cars w/ no CD player -- what can I do with my CDs?
Replies: 47
Views: 3951

Re: New cars w/ no CD player -- what can I do with my CDs?

What did you do with your old typewriter? How about your road map collection? Download the music you want, get rid of the CDs that take up all that room in your car, and make a lamp out of the jewel boxes. Bimmer's coaster idea for the CDs is also a good one. Play your music via Bluetooth through yo...
by protagonist
Tue Jun 27, 2017 9:56 am
Forum: Investing - Help with Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 57
Views: 7166

Re: (Almost) every day I make a financial mistake more costly than the day before

Another option to consider is to pay off your house to reduce your cash then you can invest your "mortgage payment" each month. There are endless posts and opinions with no one right answer to the "should I pay off my mortgage?" question but having a paid off house at your age w...
by protagonist
Mon Jun 26, 2017 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331174

Re: What's Your Credit Card Rewards Strategy?

I chose to fly Norwegian Airlines in the other direction and pay for the ticket since they had some great deals. I could not get the Norwegian flight via the portal. I am still stuck with the CSP, and won't qualify for the CSR until early 2018. I have not tried booking flights over the Chase portal...
by protagonist
Mon Jun 26, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331174

Re: What's Your Credit Card Rewards Strategy?

So, I'm not quite valuing the UR points at 1.5 cpp - for me, on average, it is closer to 1.35 cpp, but that's still better than doing the transfers and redemptions in most cases. Appreciate if one or both of you could clarify: do you often prefer to book flights on the Chase portal because a) the C...
by protagonist
Thu Jun 22, 2017 8:07 pm
Forum: Personal Finance (Not Investing)
Topic: New Baby - Wife stay at home for 1 year?
Replies: 48
Views: 4204

Re: New Baby - Wife stay at home for 1 year?

With those terms. I can't imagine why your wife would say no,
by protagonist
Thu Jun 22, 2017 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331174

Re: What's Your Credit Card Rewards Strategy?

Re: basic economy flights... Just kinda found out about these....don't look very appealing. That said, it appears most award flights qualify you for the tier above "basic economy"...where you can still select seats, bring a carry on, and stay a tier above Spirit airlines. I wonder...will ...
by protagonist
Thu Jun 22, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: Virgin Mobile unlimited talk, text, data for $1?
Replies: 15
Views: 1814

Re: Virgin Mobile unlimited talk, text, data for $1?

Or you can get a free phone by porting your number over to Cricket (or a very cheap phone if you don't). You then pay $35/month for unlimited talk, text and 3G data/month. The advantage is you are on the AT+T network. Between the two, I would choose Cricket for the additional cost. There is very lit...
by protagonist
Thu Jun 22, 2017 2:05 pm
Forum: Investing - Theory, News & General
Topic: Argentina issuing 100-year bond.
Replies: 64
Views: 6075

Re: Argentina issuing 100-year bond.

Buying a 100 year bond is the equivalent of playing the lottery. How it will play out is completely unpredictable. But there are two additional caveats: 1. Since the purchaser will be dead at maturity there is no guarantee of return of principal. Who knows if Argentina, or even the USA, will even st...
by protagonist
Mon Jun 19, 2017 12:40 pm
Forum: Investing - Theory, News & General
Topic: Is Inflation Dying of Old Age?
Replies: 82
Views: 7085

Re: Is Inflation Dying of Old Age?

Spurious correlations can be found everywhere, and make for easy publications. A quick glance at a graph on this page suggests to me a stronger correlation between per capita cheese consumption and the number of people who died by becoming entangled in their bedsheets than the one OP presented: http...
by protagonist
Sat Jun 17, 2017 8:19 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank No penalty CD for parking cash, is there a catch?
Replies: 37
Views: 4903

Re: Ally Bank No penalty CD for parking cash, is there a catch?

No catch. But you can get close to that in many regular online bank accounts from which you can easily draw checks, transfer funds, make deposits, etc. 1.35% is slightly higher, but for that you pay with a degree of flexibility. If the amount you are parking for 9 months is large enough that .2 or ....
by protagonist
Sat Jun 17, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15107

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

If VMMXX is not federally insured it seems like a poor choice for a large cash account. For small amounts of cash, a difference of 1% interest is pretty trivial. There are many online banks that offer better than 1%, FDIC insurance, and the ability to rapidly transfer funds into Vanguard if desired....
by protagonist
Sat Jun 17, 2017 8:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15107

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

If VMMXX is not federally insured it seems like a poor choice for a large cash account. There are many online banks that offer better than 1%, FDIC insurance, and the ability to rapidly transfer funds into Vanguard if desired. I keep my Fidelity Money Market account and treat it as my primary checki...
by protagonist
Sat Jun 17, 2017 8:07 pm
Forum: Personal Consumer Issues
Topic: Air conditioner for narrow windows
Replies: 23
Views: 1439

Re: Air conditioner for narrow windows

I am in a similar situation. MY (imperfect) solution is to use the window unit in my adjacent home office and a floor fan that blows the air into the room with the tiny windows. It is imperfect and inefficient, but I don't generally need to cool the room with the tiny windows for more than a couple ...
by protagonist
Sat Jun 17, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331174

Re: What's Your Credit Card Rewards Strategy?

This is an odd bird, the Merrill Plus Visa Signature card. The highlight is a $500 statement credit after a $3,000+ spend in 90 days. Interesting. That may be a good one, assuming an odd bird in the hand is worth two in the bush. $500 statement credit is much better than $500 credit towards future ...
by protagonist
Fri Jun 16, 2017 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 1984
Views: 331174

Re: What's Your Credit Card Rewards Strategy?

I have just realized that Chase codes my comedy club as a restaurant, because they serve food. In September, I will sign up for several standup and improv classes later in the year. Victoria Laughter pays. On the other hand, the restaurant in the bowling alley where we have jazz jams does not code ...
by protagonist
Fri Jun 16, 2017 1:14 pm
Forum: Personal Consumer Issues
Topic: POSSIBLE 6 yr CD, 3.04-3.54% APY.
Replies: 0
Views: 548

POSSIBLE 6 yr CD, 3.04-3.54% APY.

I saw this on depositaccounts.com- Appalachian Community FCU is offering a 6 yr CD, 365 day EWP, at 3.04% APY. https://www.depositaccounts.com/banks/appalachian-community-cu.html#rates They say you can potentially become a member simply by joining HEAD (Human Economic Appalachian Development Corpora...
by protagonist
Thu Jun 15, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Suit for [medical] residency interviews
Replies: 57
Views: 3438

Re: Suit for [medical] residency interviews

I was on the board of admissions at a medical school and I also directed a medical fellowship program so I interviewed resident and fellowship applicants. Personally, I think you are making a mountain out of a molehill. IMHO, The majority of doctors are not like my impression of Wall Street execs. T...
by protagonist
Thu Jun 15, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: scary phone calls [phone scams]
Replies: 35
Views: 3408

Re: scary phone calls

1. DO NOT make the calls. 2. Register your number with the Do Not Call Registry (you can google it) 3. The next time you get such unsolicited calls, report the number and time of call in a complaint to the DNC Registry. The frequency of such calls should eventually drop to very minimal. 4. If you ca...

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