Search found 3703 matches

by protagonist
Sat Apr 30, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Let's talk banking
Replies: 23
Views: 1254

Re: Let's talk banking

I use SFGI for savings. Have for many years. Interest rate has never dropped below 1% and online transfers between SFGI and my Fidelity brokerage account (which I also use as my checking account) are painless and typically take less than one business day. Fidelity does not nickel and dime you to dea...
by protagonist
Fri Apr 29, 2016 11:43 am
Forum: Personal Finance (Not Investing)
Topic: Young Male Living with Parents
Replies: 83
Views: 3915

Re: Young Male Living with Parents

Am I doing the right thing? Or is the criticism justified and it's time for me to move out? Thanks. The criticism is unjustified. That said, though you seem like you have your financial life very well together for a 25 y o, I wonder about the rest of your life. Does living with your folks affect yo...
by protagonist
Fri Apr 29, 2016 9:45 am
Forum: Personal Consumer Issues
Topic: Consumer Reports Magazine & Website
Replies: 94
Views: 4221

Re: Consumer Reports Magazine & Website

Certainly, the CR brand has changed over the years and many other entities have invaded its space. Just look at all the reviews of things one can find on the internet. Completely agree. There are now free "meta-review" sites on the net that take into account Consumer Reports, Amazon revie...
by protagonist
Fri Apr 29, 2016 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Are females just not interested in investing in general or is it just the women that I date?
Replies: 89
Views: 8414

Re: Are females just not interested in investing in general or is it just the women that I date?

I'm 63, and have observed the same phenomenon as you 20-somethings.....most, if not all, of the women I have dated are uninterested in finance. Often they have been drawn into bad investments by listening to the wrong people. Luck of the draw perhaps, or maybe it says something about who I am attrac...
by protagonist
Fri Apr 29, 2016 8:57 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 52
Views: 2780

Re: Best drill/driver for home use

I purchased a 12V Bosch drill and impact driver set from Jet. They charge $140 but offer a 15% first purchase discount, plus no tax or shipping charge. So my final charge for the set was about $119.

Thanks for all of your help.
by protagonist
Fri Apr 29, 2016 8:54 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

Doesn't "ACH" only apply for payroll transfers, tax refund transfers, etc? I do not receive a paycheck and thus I don't believe I can do "ACH" transfers. Unless I misunderstand, I can only do EFT transfers . Please let me know if any of you do scheduled EFT transfers into or from...
by protagonist
Fri Apr 29, 2016 8:44 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

Set a recurring $5 ACH push with a frequency of every 3 months. Set a recurring $5 ACH pull with a frequency of every 3 months starting a week later. Done. Autopilot. Will EFT work as well with these accounts? They specify "ACH" on the webpage, and I do not have access to ACH, only EFT. A...
by protagonist
Fri Apr 29, 2016 8:43 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

Like the other poster, I've set up "auto-pilot" ACH pulls and pushes from my Ally account every 2 months. So theoretically there should be no fees. I have found that the Ally account wouldn't let me add one Insight Visa card, but it did let me add the 1st Insight Visa. So I have had to us...
by protagonist
Thu Apr 28, 2016 9:00 am
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

Set a recurring $5 ACH push with a frequency of every 3 months. Set a recurring $5 ACH pull with a frequency of every 3 months starting a week later. Done. Autopilot. Will EFT work as well with these accounts? They specify "ACH" on the webpage, and I do not have access to ACH, only EFT. A...
by protagonist
Wed Apr 27, 2016 8:06 am
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 132
Views: 13478

Re: Stanley Kubrick's 2001 a space odyssey

That reminds me also of Space Cadet, where the pilot says "that crater is the Des Moines crater". The context is never explained. Maybe it was this? https://en.wikipedia.org/wiki/Decorah_crater Bad news for midwestern trilobites during the Middle Ordovician. But I digress. Sorry, OP.
by protagonist
Wed Apr 27, 2016 7:58 am
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 52
Views: 2780

Re: Best drill/driver for home use

All great suggestions and feedback....thanks to all!
by protagonist
Tue Apr 26, 2016 5:14 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 52
Views: 2780

Re: Best drill/driver for home use

I have this Porter-Cable drill/driver kit and LOVE it: http://www.amazon.com/PORTER-CABLE-PCCK602L2-Lithium-Tool-Combo/dp/B00CM7Z2KW Seems they have a similar set fro $30 less on same page and I'd guess you wouldn't notice much of a difference. I was looking at these 20V versions of the Porter Cabl...
by protagonist
Mon Apr 25, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 132
Views: 13478

Re: Stanley Kubrick's 2001 a space odyssey

I saw it the first weekend it came out. I *loved* it, my girlfriend hated it. I've probably seen it 15 times since then, and it made me a lifelong Kubrick fan. Still married to her, and she still hates it. :happy That was the most beautiful love story I have heard in a long time. I think my girlfri...
by protagonist
Mon Apr 25, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: Best drill/driver for home use
Replies: 52
Views: 2780

Best drill/driver for home use

Most of what I do are fairly simple, straightforward home projects in a 130 y o Victorian country house with plaster walls and in a 50 y o apartment building in NYC (also plaster walls). I own a corded DeWalt DW-100 3/8" 4A drill (0-2500 RPM) that is probably about 15-20 years old and that I al...
by protagonist
Mon Apr 25, 2016 7:23 pm
Forum: Personal Consumer Issues
Topic: Best system for hanging pictures on plaster walls
Replies: 14
Views: 737

Best system for hanging pictures on plaster walls

The house is 130 years old, and I have tried all the obvious solutions with varying results. Anchors with screws sometimes work and sometimes don't....the plaster sometimes crumbles upon drilling and hammering in the anchors. I was never very adept at stud-finding either. I guess the electronic stud...
by protagonist
Mon Apr 25, 2016 7:17 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 132
Views: 13478

Re: Stanley Kubrick's 2001 a space odyssey

My belief is that there isn't an atom of meaning in it. Remember this was at the height of the psychedelic 60s and while I don't know that Kubrick meant for it to be watched under the influence, I have my suspicions. I wish you explained that to me in 1968. The profound insights my buddies and I ha...
by protagonist
Fri Apr 22, 2016 8:49 am
Forum: Personal Consumer Issues
Topic: Quick, healthy dinner resources and tips
Replies: 15
Views: 1313

Re: Quick, healthy dinner resources and tips

Buy wild Pacific salmon, which may not be wild Pacific salmon at all, but at least you will think it is. Sear it in a pan for about a minute on each side. Encrusting it with herbs or marinating in your favorite marinade is also a good idea....will add a little bit of time. Serve on a bed of salad wi...
by protagonist
Fri Apr 22, 2016 8:23 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8314

Re: Better than amazon??

I recently discovered a way to save 15-20% on Amazon orders, by using the site purse.io. https://purse.io/ The savings are based on the fact that there's no good way to get rid of Amazon gift cards due to the fact that they're not traded on gift card exchange sites. Because of this, people are will...
by protagonist
Fri Apr 22, 2016 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 355
Views: 48257

Re: Question for the Bogleheads Millionaires

And if you're young (say 20s), a goal for 1mil is way too low considering what another 30 years of inflation will do. Make it 2mil, unless your dream of retirement is a very modest one. Retiring with $1.5 M dollars puts you in the top 10% of American households. That doesn't seem so modest to me. R...
by protagonist
Wed Apr 20, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 65
Views: 8314

Re: Better than amazon??

I recently bought a new book at bookdepository.com The book was about $12 at Amazon plus shipping and tax. The book was two dollars cheaper at Book Depository before shipping/tax. In addition, shipping is free on all items regardless of how little you order and no tax was charged. It did take a bit ...
by protagonist
Wed Apr 20, 2016 9:13 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 77
Views: 9036

Re: Capital One 360 New Money Market Account, 1% on over 10k

Currently I think you can get 1.06% with SFGI Direct, and I don't think there is a minimum or maximum balance (though I have not checked). This is not a promotional rate. I have been banking with them for years and their rates are always near the top. I don't recall them ever dropping below 1%. They...
by protagonist
Tue Apr 19, 2016 9:09 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 2900
Views: 608859

Re: U.S. stocks in freefall

It's hard to get over the fact there are no reliable predictors of short term market performance, 3 months, six months, or a year. Even longer expectations ("expected returns") are iffy. L. Predictors of long term performance are "iffier", since noise just compounds over time. W...
by protagonist
Thu Apr 14, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Stopping unwanted "junk" newspaper
Replies: 40
Views: 4629

Re: Stopping unwanted "junk" newspaper

This is the letter I sent: "In 2010 I complained to you about unwanted promotional newspapers in plastic bags being thrown on my property. It took three phone calls and a letter to get it to stop. All was fine until yesterday. Since then, two "free" copies of the Gazette in your plast...
by protagonist
Thu Apr 14, 2016 3:13 pm
Forum: Personal Consumer Issues
Topic: My neighborhood is too quiet (and no kids)
Replies: 44
Views: 4480

Re: My neighborhood is too quiet (and no kids)

What are your thoughts? Your kids will be bored, and there is nothing scarier than bored teenagers. Plus you clearly don't seem happy where you live. So move. What kind of area do you live in and what are the benefits vs. drawbacks? College town. Lots of culture, good food, music, art, history, eas...
by protagonist
Thu Apr 14, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Reading Devices
Replies: 43
Views: 2198

Re: Reading Devices

Based on this, I can't imagine the Fire reading experience would be the same as the iPad reading experience because the resolution is so much poorer on the Fire than on either of my other two devices. Since the properties of devices change as newer models are introduced, things like resolution chan...
by protagonist
Thu Apr 14, 2016 8:56 am
Forum: Personal Consumer Issues
Topic: e-Books/e-Magazines
Replies: 16
Views: 908

Re: e-Books/e-Magazines

Download Calibre. You can buy e-books via Calibre from multiple sources at various prices, often cheaper than Amazon, and buy them in multiple formats or convert formats to the one that suits you. Free books can also be obtained this way. They also offer thousands of free publications and you can su...
by protagonist
Thu Apr 14, 2016 8:41 am
Forum: Personal Consumer Issues
Topic: Reading Devices
Replies: 43
Views: 2198

Re: Reading Devices

how are the cheap kindle fires for reading books? My wife has a Kindle Fire. It's the same as reading a book on an iPad. I never had an iPad, but I had a Fire, and I have an old Kindle Touch and an old Nook...I think it's an HD Plus? Based on this, I can't imagine the Fire reading experience would ...
by protagonist
Thu Apr 14, 2016 12:14 am
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 22
Views: 2516

Re: Considering new approach to credit card churning

If we were talking 20K or even 100K points, I'd say just split them up now and cancel/downgrade. But with 200K, $95 sounds like a reasonable price to play for flexibility. Exactly my thinking, Bf. This is probably what I will wind up doing, though when you think about it, at 2 cents per point, I wo...
by protagonist
Tue Apr 12, 2016 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio diversified?
Replies: 17
Views: 1796

Re: Is my portfolio diversified?

Is it good to have all retirement accounts & funds at Vanguard? LoveSpring: Consolidating all investments with one good mutual fund company (Vanguard) offers many advantages: 1. One familiar statement. 2. Less paperwork. 3. Easier tax preparation. 4. Avoidance of low-balance and other small fee...
by protagonist
Tue Apr 12, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is my portfolio diversified?
Replies: 17
Views: 1796

Re: Is my portfolio diversified?

2. Is it good to have all retirement accounts & fund at Vanguard? This is an impossible question to answer, since the statistical odds of, say, a devastating rogue cyberattack on an investment firm's clients happening within your lifetime cannot possibly be calculated due to lack of information...
by protagonist
Tue Apr 12, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 22
Views: 2516

Re: Considering new approach to credit card churning

protagonist, Seems reasonable to me. I kept my Chase Sapphire Card open for the ability to transfer the points to any airline. Can you tell me about the 5/24 restriction? Also, random question since you seem knowledgeable on churning. How soon can I re-open the Chase Southwest cards and get the 50k...
by protagonist
Tue Apr 12, 2016 3:31 pm
Forum: Personal Consumer Issues
Topic: Considering new approach to credit card churning
Replies: 22
Views: 2516

Considering new approach to credit card churning

I have been churning credit cards successfully for years now and reaped the benefits...I travel annually to South America and Europe, never pay airfare, and have stayed in beautiful hotels "for free", for at least a decade now. That said, in the last few years I have gotten more aggressive...
by protagonist
Tue Apr 12, 2016 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3482

Re: Experience with Fidelity?

Certainly like their 2% cash back Visa that direct deposits into my Fidelity cash account automatically. Good to hear that people are having good experiences with that. When my "annual fee waiver" runs out on my Barclay Arrival Plus card, I will probably cancel it and get the Fidelity car...
by protagonist
Tue Apr 12, 2016 7:46 am
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3482

Re: Experience with Fidelity?

ou can get a debit card that reimburses ATM fees which is handy. However there was a recent thread about exposure of cash management accounts to hacking and potential problems getting your money back. So a workaround would be to open a second cash management account at Fidelity and hang the debit c...
by protagonist
Mon Apr 11, 2016 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3482

Re: Experience with Fidelity?

If that response is to me, I have no strong desire to shift. I simply have a knee jerk and probably irrational reaction to putting " all my eggs" in one company's basket of funds. However, as you note that is a "hypothetical" risk and my retirement fund is not with Vanguard, nor...
by protagonist
Mon Apr 11, 2016 10:48 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1325

Re: Hail damage avoidance/minimization (vehicles)

https://weather.com/storms/severe/news/top-ten-states-hail-claims-2014 Wow. South Dakota (87 claims per 1,000 policies- about one in twelve). I had no idea it was that big of a problem. I'm surprised that there are not more reports of severe injuries to humans. The last hail-related fatality in the...
by protagonist
Mon Apr 11, 2016 10:35 pm
Forum: Personal Consumer Issues
Topic: Free old BMW worth it?
Replies: 44
Views: 4301

Re: Free old BMW worth it?

We currently own a 2000 Nissan Altima with 90k miles. It is banged up on the exterior from former city living but otherwise runs just fine. My parents are planning to get rid of their BMW 5 series, which is about the same age but only has about 60k miles. The catch is it has been in an accident and...
by protagonist
Mon Apr 11, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Experience with Fidelity?
Replies: 51
Views: 3482

Re: Experience with Fidelity?

I have had excellent experience with Fidelity over the past 20 plus years. Great customer service, and whenever I had a problem it was resolved to my satisfaction without any memory of conflict. There is no Fidelity office near me, but that said, I rarely have any reason to go to one (I did once, I ...
by protagonist
Mon Apr 11, 2016 9:58 pm
Forum: Personal Consumer Issues
Topic: iOS games for couples to play together (not against each other)
Replies: 9
Views: 1227

Re: iOS games for couples to play together (not against each other)

That's very sweet.
Unfortunately I can't help you, since I am an android guy and avoid gaming because I know how obsessed I can get. But you seem like a very sweet couple. I just had to say that.

Good luck to you.
by protagonist
Mon Apr 11, 2016 9:48 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1325

Re: Hail damage avoidance/minimization (vehicles)

I live in New England. I'm 63. I have logged well over a million miles. I leave my car unprotected in my driveway, and when I was younger, on the street. I don't recall ever having any significant damage done to a vehicle of mine by hail. I have no idea what the odds are of having your car seriousl...
by protagonist
Mon Apr 11, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Hail damage avoidance/minimization (vehicles)
Replies: 22
Views: 1325

Re: Hail damage avoidance/minimization (vehicles)

I live in New England. I'm 63. I have logged well over a million miles. I leave my car unprotected in my driveway, and when I was younger, on the street. I don't recall ever having any significant damage done to a vehicle of mine by hail. I have no idea what the odds are of having your car seriously...
by protagonist
Mon Apr 11, 2016 3:12 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

I have to bluntly say that after slogging through this and comparable threads I'm encouraged by the amount of misunderstanding and skepticism surrounding these 5% accounts and the reluctance to use them. The thing most likely to kill them or make them difficult to maintain is if people get savvy to...
by protagonist
Thu Apr 07, 2016 8:53 pm
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2284

Re: Stay in city or move out to suburbs?

I moved my family out of the city due to two factors. First, I was tired of dealing with the crime and with a police department that would do nothing about it. Don't assume that cities are always more dangerous than suburbs or small towns. Some are, and some aren't. The public school kids in my sma...
by protagonist
Thu Apr 07, 2016 7:05 pm
Forum: Personal Consumer Issues
Topic: Stay in city or move out to suburbs?
Replies: 33
Views: 2284

Re: Stay in city or move out to suburbs?

This is such a personal decision. City life and suburban life are so radically different on every level that people who love one tend to hate the other (as reflected in the above posts). Also, there are huge differences between various cities, and to a large extent suburbs as well. I don't think pol...
by protagonist
Thu Apr 07, 2016 6:56 pm
Forum: Investing - Theory, News & General
Topic: Are Bogleheads too conservative?
Replies: 135
Views: 12868

Re: Are Bogleheads too conservative?

Are we being too conservative with a classic portfolio? That depends on how much money you feel you need, and how much risk you are willing to take to get there. On this site there is a wide range of aggressiveness demonstrated. There are many who are 100% in equities, for example. I think the basi...
by protagonist
Thu Apr 07, 2016 9:46 am
Forum: Personal Finance (Not Investing)
Topic: Firecalc, really?
Replies: 58
Views: 6258

Re: Firecalc, really?

I always considered myself extremely healthy, but I had a heart attack last year at 62 with no known risk factors whatsoever- the day before that I did a routine 40 mile bike ride. I'm fine now, but if I died, I would have died knowing that I lived well and had a happy life. I don't want to derail ...
by protagonist
Thu Apr 07, 2016 12:04 am
Forum: Personal Consumer Issues
Topic: If you could retire anywhere, regardless of healthcare, etc.
Replies: 118
Views: 10213

Re: If you could retire anywhere, regardless of healthcare,

Manhattan. Victoria I enjoy Manhattan too- I'm there about 30% of the time these days, but....as a "perfect little beach town"? (OPs words). Were you thinking of the East 20th St. beach? (http://www.scoutingny.com/manhattans-east-20th-street-beach/). The East River is a bit chilly in Janu...
by protagonist
Thu Apr 07, 2016 12:02 am
Forum: Personal Finance (Not Investing)
Topic: Which bank for ATM use outside the US?
Replies: 26
Views: 1585

Re: Which bank for ATM use outside the US?

I have had the same experience as madbrain with Fidelity (my primary checking acct.).....no ATM fees (domestic or overseas) and fair currency exchange rate. I would use a separate no transaction fee credit card for purchases, not the ATM card.
by protagonist
Wed Apr 06, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: guaranteed 5% vs stocks?
Replies: 107
Views: 11963

Re: guaranteed 5% vs stocks?

jjface wrote:
$250!

plus you can have 3 netspend and 2 brinks per person.


Correct!! oops.....nevermind. Note to self....never try posting after midnight following a long drive. Sorry.....
by protagonist
Wed Apr 06, 2016 11:31 pm
Forum: Personal Consumer Issues
Topic: Experience with Honda airbag recall?
Replies: 66
Views: 6709

Re: Experience with Honda airbag recall?

I got back from vacation today and in my mail was a recall notice for my Honda due to the airbag. Parts won't be available until sometime this summer. There is some vague language about alternative transportation. I am wondering if Honda has provided loaners or paid for rentals until dealers receiv...

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