Search found 146 matches

by Halicar
Tue Jul 02, 2019 2:34 pm
Forum: Personal Consumer Issues
Topic: Special ordering books through local bookstore to support local business?
Replies: 8
Views: 617

Re: Special ordering books through local bookstore to support local business?

Short answer: yes. A bookstore will place orders for stock from its distributors on a regular basis, and when you place a special order, they simply add it to the next order. One unusual thing about books is that the retail price is set by the publisher and printed right on it. Store profit is then ...
by Halicar
Mon Jul 01, 2019 9:10 am
Forum: Personal Consumer Issues
Topic: Need an inexpensive, reliable padlock
Replies: 10
Views: 464

Re: Need an inexpensive, reliable padlock

Do not ever leave valuables in a gym locker. The only purpose of a padlock on a gym locker is to let other gymgoers know that the locker is being used.

As for the Master 175D, here is a video showing it can be bypassed effortlessly: https://www.youtube.com/watch?v=bfDPtt-bnAI
by Halicar
Fri Jun 28, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 1282
Views: 120176

Re: U.S. stocks continue to soar!

S&P 500 Posts Best First Half in 22 Years https://www.wsj.com/articles/asian-stoc ... _lead_pos1

Up 17% YTD
by Halicar
Wed May 29, 2019 12:01 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1938858

Re: U.S. stocks in free fall

ruralavalon wrote:
Wed May 29, 2019 8:59 am
What I want to know is this.

Is it "freefall" or "free fall" or "free-fall"
According to both the New Oxford American Dictionary and the Merriam-Webster app, the noun is "free fall" and the verb is "free-fall."
by Halicar
Wed May 22, 2019 12:09 pm
Forum: Personal Consumer Issues
Topic: Inexpensive way to gain weight
Replies: 54
Views: 2366

Re: Inexpensive way to gain weight

Short answer: drink a gallon of whole milk a day. I went from about 130 lbs. to about 160 lbs. by doing that, along with lifting weights.
by Halicar
Tue May 21, 2019 12:19 pm
Forum: Personal Investments
Topic: Is an emergency just mental accounting?
Replies: 70
Views: 5761

Re: Is an emergency just mental accounting?

That wiki entry seems a bit dishonest to me. I am always skeptical when I see a claim that "people" "often" do something. What people? How often? You can make a claim like that about literally anything, and it's impossible to prove or disprove.
by Halicar
Wed May 15, 2019 9:31 am
Forum: Personal Consumer Issues
Topic: How long will a shirt last?
Replies: 34
Views: 2622

Re: How long will a shirt last?

ResearchMed wrote:
Wed May 15, 2019 9:15 am
I'm just trying to figure out how these shirts "work":

"- 100% Cotton
- Imported
- Hook & Eye closure
"

Hook & Eye closure?

:confused

RM
I'm assuming that refers to the packaging--sometimes Amazon listings still contain supply chain / wholesaler verbiage.
by Halicar
Sat May 04, 2019 11:30 am
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 60
Views: 3900

Re: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?

The major papers (WSJ, NYT, etc.) are at least surviving, although probably not prospering. I'm not sure how state-level journalism is going to survive. There's an article on this very topic in the WSJ today. https://www.wsj.com/graphics/local-newspapers-stark-divide/?mod=article_inline&mod=hp_lead...
by Halicar
Fri May 03, 2019 12:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4597
Views: 1182222

Re: What Movie Have You Recently Watched?

My son and I watched Avengers: Endgame the other day. My son loved it; I was mostly disappointed. Yes, it had plenty of stirring moments and one-liners, but I couldn't ignore the problems with the story. I know that comic book movies don't have to be anywhere near realistic, but they should have so...
by Halicar
Wed May 01, 2019 12:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4597
Views: 1182222

Re: What Movie Have You Recently Watched?

My son and I watched Avengers: Endgame the other day. My son loved it; I was mostly disappointed. Yes, it had plenty of stirring moments and one-liners, but I couldn't ignore the problems with the story. I know that comic book movies don't have to be anywhere near realistic, but they should have som...
by Halicar
Thu Apr 25, 2019 6:37 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 324
Views: 40138

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

...And my thinking is that BTC will eventually be worth 0, or considerably more than 5400 USD per coin where it sits today. In any case, I'm willing to hold for the ride, and won't regret losing it all, since, as previously stated, my initial investment was quite small... Oh, if only, if only, I'd ...
by Halicar
Tue Apr 02, 2019 6:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4597
Views: 1182222

Re: What Movie Have You Recently Watched?

Arrival . Alien ships land on Earth and a linguist learns to communicate with them. I didn't really like it, but my girlfriend did. I think they started with a very interesting idea but couldn't quite flesh it out. When you have to insert a voiceover narration in the middle of a movie, you've faile...
by Halicar
Sat Mar 30, 2019 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 5321

Re: Q to ppl who use spreadsheet for personal finance

3. My plan was to use =GOOGLEFINANCE( ) to fetch stock prices (current and past). https://support.google.com/docs/answer/3093281?hl=en That's not an Excel function (unless it's an add-in). Depending on which version of Excel you have, you can use the new Data Type function. Just type the ticker of ...
by Halicar
Sat Mar 30, 2019 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Q to ppl who use spreadsheet for personal finance
Replies: 64
Views: 5321

Re: Q to ppl who use spreadsheet for personal finance

3. My plan was to use =GOOGLEFINANCE( ) to fetch stock prices (current and past). https://support.google.com/docs/answer/3093281?hl=en That's not an Excel function (unless it's an add-in). Depending on which version of Excel you have, you can use the new Data Type function. Just type the ticker of ...
by Halicar
Sat Mar 16, 2019 8:06 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105184

Re: What Book Are You Currently Reading? Part VI

Stop Me if You've Heard This: A History and Philosophy of Jokes by Jim Holt. My current favorite non-fiction author--I highly recommend his books Why Does the World Exist and When Einstein Walked with Godel . A very short book--I read half of it last night and I'm sure I'll finish it tonight. It wa...
by Halicar
Sat Mar 16, 2019 6:57 am
Forum: Personal Finance (Not Investing)
Topic: Financial disparity among siblings: Your experiences
Replies: 25
Views: 3776

Re: Financial disparity among siblings: Your experiences

My sister and brother in law have far more money than I do, and it doesn't bother me a bit. My brother in law is an extremely hard-working and talented salesman who has been busting his butt in his career for 25 years and he deserves every penny he has. Meanwhile I've been through the classic wealth...
by Halicar
Tue Mar 12, 2019 3:43 pm
Forum: Investing - Theory, News & General
Topic: Are Vanguard Mutual Funds dying?
Replies: 152
Views: 16380

Re: Are Vanguard Mutual Funds dying?

It seems Vanguard is going to keep reducing ETFs fees (because they are cheaper to mantain) https://www.etf.com/sections/index-investor-corner/vanguard-etfs-or-mutual-funds So I wonder if in a matter of years MFs will disapear completely :oops: dying??? Hyperbole much? Get a grip people. Mutual fun...
by Halicar
Thu Mar 07, 2019 5:45 pm
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 5533

Re: First “financial” thing you do in the morning

Every morning, I log into my checking account and all of my credit cards to make sure everything's good and to enter any transactions into my spreadsheet. Thursday mornings I check my 401(k) to update that amount (I'm not able to automate that like I do with my Roth and my taxable), and Friday morni...
by Halicar
Thu Mar 07, 2019 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Which of these Online Savings Accounts (high-yield) are reliable?
Replies: 45
Views: 5977

Re: Which of these Online Savings Accounts (high-yield) are reliable?

I've read here (a different thread), some banks, I believe like Ally, can take up to 4 days! I submitted a transfer order yesterday to Ally to move some cash to my brick-and-mortar checking account. The cash is there this morning. I don't think one could ask for better. Now, I grant that this may n...
by Halicar
Wed Mar 06, 2019 12:11 pm
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 1636

Re: Objective news source?

It's not so much the reporting or whether it's objectively true, much of it is what they choose to report on. Very well stated. I am guessing many outlets are chasing ratings rather than trying to comprehensively report the news? It's not even so much about chasing ratings necessarily. A newspaper ...
by Halicar
Wed Mar 06, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Objective news source?
Replies: 69
Views: 1636

Re: Objective news source?

trying to find a neutral, objective source for news. First, there is literally no such thing as that, nor could there be. Second, if (hypothetically) there were such a thing, neither you nor I would be able to recognize it as such. The only solution is to read a wide variety of sources and perspect...
by Halicar
Tue Mar 05, 2019 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Silly credit card rewards arbitrage opportunity
Replies: 29
Views: 4175

Re: Silly credit card rewards arbitrage opportunity

Ethics, those things you do when no one is watching. :| We probably all have things we do that seem OK, perfectly legal, but still makes us feel a little less proud of ourselves. I certainly have had some. Everyone has their own moral compass. Broken Man 1999 There's a fairly common mentality out t...
by Halicar
Sun Mar 03, 2019 6:49 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105184

Re: What Book Are You Currently Reading? Part VI

Shirley Jackson: Novels and Stories (Library of America). I read We Have Always Lived in the Castle a few months ago, and I returned to the collection a few days ago, now on The Haunting of Hill House.
by Halicar
Sat Mar 02, 2019 9:55 am
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 4811

Re: Thinking of Buying a Watch - Recommendations?

bottlecap wrote:
Sat Mar 02, 2019 8:50 am
You are describing a Timex.

And you saved yourself $20!

JT
Seconded. I have a handful of inexpensive-but-good-quality watches (Seiko 5, Orient Mako, etc.) and my favorite is my Timex field watch. It takes a NATO strap so you can buy a few of them and swap them out for some variety.
by Halicar
Tue Feb 26, 2019 7:45 am
Forum: Personal Consumer Issues
Topic: How did mylife.com get my info?
Replies: 115
Views: 10278

Re: How did mylife.com get my info?

GoldStar wrote:
Mon Feb 25, 2019 4:49 pm
Funny - looked up someone else I know and it shows him as both a "Democrat" and a "Tea Party Supporter" -...
My profile says the same thing. I wouldn't be surprised if it's deliberate misinformation in the hopes that people will volunteer their correct information.
by Halicar
Fri Feb 22, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7522

Re: Favorite youtube channels?

I've used YouTube to get into woodworking. It's amazing what is out there, how much I've learned, and how much it's encouraged me to build new things. I've found a number of good channels over the past few years. I've subscribed to most and just watch when a video looks interesting. Woodworking: (n...
by Halicar
Mon Feb 18, 2019 11:33 am
Forum: Personal Investments
Topic: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?
Replies: 128
Views: 13191

Re: Vanguards recommends investors to increase international (non-US) stock holdings to 40% ?

I think this underlines my position pretty well. This intuitively would seem to be important, like it is intuitive that heavy objects fall faster than light ones. However, intuition can lead you astray. there is no basis in theory for this. And if this was true, we should expect some reversion to t...
by Halicar
Mon Feb 18, 2019 10:34 am
Forum: Personal Consumer Issues
Topic: Favorite youtube channels?
Replies: 81
Views: 7522

Re: Favorite youtube channels?

Clickspring https://www.youtube.com/channel/UCworsKCR-Sx6R6-BnIjS2MA A clockmaker who is currently building a reproduction of the Antikythera Mechanism by hand, using tools and techniques that would have been available at the time of the original. Fascinating content and very high quality video prod...
by Halicar
Sun Feb 17, 2019 11:33 am
Forum: Personal Finance (Not Investing)
Topic: Life As A Negative Asset
Replies: 30
Views: 2636

Re: Life As A Negative Asset

I'm not sure why people are so put off by your thread title. We talk all the time about the "cost of living" and think nothing of it. It's usually in the context of comparing geographical areas, but the underlying premise is that life does in fact have a cost.
by Halicar
Mon Feb 11, 2019 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: How do I keep from becoming irrelevant
Replies: 57
Views: 7531

Re: How do I keep from becoming irrelevant

Sandtrap wrote:
Mon Feb 11, 2019 8:36 am
Seriously.
What is a yeet ??

old person on the internet
opoti
It's what you say when you throw something. It was popularized by a Vine video a few years ago. According to my 12 year old son, it would be "cringy" if an adult said it.
by Halicar
Mon Feb 11, 2019 2:13 pm
Forum: Personal Investments
Topic: Investing in gold
Replies: 33
Views: 2315

Re: Investing in gold

This has been debated ad infinitum here. Use the search feature and you'll find plenty of threads.
by Halicar
Sun Feb 10, 2019 9:48 am
Forum: Personal Consumer Issues
Topic: Diamonds are forever.
Replies: 94
Views: 10898

Re: Diamonds are forever.

First of all...diamonds arent rare. If any salesperson ever says this to you explain to them they're not rare...you can walk into any jewelry store and they will have thousands of diamonds for sale. Jewelry store? Heck, walk into any hardware store and look at the shelves full of diamond saw blades...
by Halicar
Sat Feb 09, 2019 3:50 pm
Forum: Personal Consumer Issues
Topic: Would you eat lab grown meat?
Replies: 64
Views: 1747

Re: Would you eat lab grown meat?

For the naysayers, would you prefer a nice insect-based protein source instead? A few months ago one of my Hispanic coworkers brought in some fried Saltamontes (grasshoppers). They were delicious--I could have eaten the whole bag. To OP's question, yes I will definitely try lab-grown meat when I ge...
by Halicar
Wed Feb 06, 2019 8:57 pm
Forum: Investing - Theory, News & General
Topic: Crypto Exchange goes bankrupt after owner dies with only password
Replies: 90
Views: 11050

Re: Crypto Exchange Loses Password; $190M Inaccessible

So Canadian crypto exchange QuadrigaCX with $190 million on deposit is locked out of its assets after the CEO's death, because no one else has the password . Isn't this an outdated value? I'm assuming the day before he reportedly died with the password, it was valued at $190 million. What is its va...
by Halicar
Sat Feb 02, 2019 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Cards - Autopay inconsistent across companies?
Replies: 40
Views: 1720

Re: Credit Cards - Autopay inconsistent across companies?

It looks as though if I say "statement balance" to CapitalOne, they interpret that as they can pull whatever was on my statement balance, even if I have already paid some or all of that balance. Out of curiosity, why are you making partial payments before the due date? It seems that a lot of people...
by Halicar
Fri Feb 01, 2019 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?
Replies: 43
Views: 2362

Re: Could Credit Card Work as Hypothetical Emergency Fund Instead of Cash?

I consider a credit card balance to be an emergency itself. The only way credit cards should figure in an emergency plan is that you can float the outlay a month or so which gives you plenty of time to transfer the money from your savings account or wherever.
by Halicar
Wed Jan 30, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4597
Views: 1182222

Re: What Movie Have You Recently Watched?

My son and I watched Aquaman this past weekend. Pretty bad, in my opinion. So many scenes of characters endlessly discussing and explaining things. Jason Momoa may look the part, but he's unfortunately not a very good actor. I don't expect an Oscar-worthy performance in a superhero flick, but it doe...
by Halicar
Wed Jan 30, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 11060
Views: 1938858

Re: U.S. stocks in free fall

AnalogKid22 wrote:
Mon Jan 28, 2019 11:09 pm
Apple reporting tomorrow, though they’ve already stated that iPhones sales were way below target. Possibly a large drop tomorrow.
One of my favorite things about this thread is that it demonstrates over and over again how futile it is to try to predict market movements even a day in advance.
by Halicar
Sat Jan 26, 2019 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Do you ever feel overpaid?
Replies: 72
Views: 4547

Re: Do you ever feel overpaid?

Based on my job title and what someone in my position should be doing, I'm paid fairly. Based on what I actually do, I'm ridiculously overpaid. I spend maybe 5% of my time working and 95% trying to make it look like I'm working, which is in fact far more difficult and stressful than actually working.
by Halicar
Thu Jan 24, 2019 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 16214

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

Gnirk wrote:
Wed Jan 23, 2019 11:09 am
If any beneficiary contests the will(s), they get nothing.

Hopefully, this will prevent any horror stories.
No-contest clauses are not bulletproof. They can be contested themselves, and voided.
by Halicar
Wed Jan 23, 2019 9:43 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 412
Views: 44147

Re: What lifestyle creep made you happier?

It's been years since this has been an issue, but I remember when filling my gas tank all the way up was a rare and wonderful occasion. I'm grateful that it's now the norm.
by Halicar
Tue Jan 22, 2019 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.
Replies: 177
Views: 16214

Re: Has anyone see an inheritance not go as planned? I would like to hear stories from others of what can go wrong.

An anecdote from an acquaintance: lawyer looks over will of a person recently deceased and exclaims "This doesn't make any sense--who wrote this?" Turns to the end and sees that he wrote it.
by Halicar
Mon Jan 21, 2019 9:14 pm
Forum: Personal Consumer Issues
Topic: What non fiction book will you be reading in 2019?
Replies: 188
Views: 17094

Re: What non fiction book will you be reading in 2018?

I've got a few non-fiction books on deck for the coming weeks, including Misbehaving by Richard Thaler, The Skeptic's Guide to the Universe by Steven Novella, and The Secret History of the World by Mark Booth (that last one might stretch the definition of "non-fiction" a bit).
by Halicar
Sun Jan 20, 2019 7:10 pm
Forum: Investing - Theory, News & General
Topic: The NY Times calls us a cult but in a good way
Replies: 62
Views: 7714

Re: The NY Times calls us a cult but in a good way

Per dictionary.com, the second definition of a cult is "an instance of great veneration of a person, ideal, or thing, especially as manifested by a body of admirers". Do Bogleheads "venerate" an "ideal", that of widely diversified investments, low costs, and buy and hold? I think so. So maybe in th...
by Halicar
Sun Jan 20, 2019 11:23 am
Forum: Personal Consumer Issues
Topic: Credit score dropped dramatically, while credit has been frozen
Replies: 36
Views: 2772

Re: Credit score dropped dramatically, while credit has been frozen

About a year and a half ago I was one of the victims of the Equifax breach. I froze my credit at the time to be safe. October 2017 I briefly opened it back up to apply to an apartment rental, and they needed to check my credit. It was 795 at the time. I re-froze my credit right away after the check...
by Halicar
Sun Jan 20, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Bogle "5% Gold"
Replies: 197
Views: 20220

Re: Bogle "5% Gold"

This was mentioned briefly in another thread. My take is this: if it's good enough for Bogle, then it's good enough for me. I hold some gold. Except that he is explicitly contrasting a portfolio held by an endowment vs. one held by an individual. You can own whatever you want, but I don't think it'...
by Halicar
Wed Jan 16, 2019 12:41 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105184

Re: What Book Are You Currently Reading? Part VI

Look for any recommendations for authors that are similar to Robin Sloan. I like the whole modern day (technology) meets science fiction. Thanks. You may like James Rollins. He has a pretty specific formula he follows: historical mystery meets bleeding-edge scientific theory meets action thriller. ...
by Halicar
Mon Jan 14, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3844
Views: 1105184

Re: What Book Are You Currently Reading? Part VI

My reading has been hijacked by the WSJ of all things. Started to reread one of my favorite novels, Les Miserables. Got through the first hundred pages. But then read in Wall Street Journal this weekend an opinion piece about the great writing by Cicero entitled “”Cato The Elder: On Old Age”. And o...