Search found 103 matches

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: 126
Views: 8767

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: 157
Views: 13497

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: 7281

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: 2656

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: 78
Views: 7496

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: 3526
Views: 1034722

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: 3526
Views: 1034722

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...
by Halicar
Sun Jan 13, 2019 2:31 pm
Forum: Personal Consumer Issues
Topic: How do I stop jeans from ripping in the thighs?
Replies: 70
Views: 4345

Re: How do I stop jeans from ripping in the thighs?

I'll put this as tactfully as I can: if your thighs are rubbing together enough to damage jeans like this, you may benefit from losing some weight...
by Halicar
Thu Jan 10, 2019 9:29 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 645

Re: Newspapers / News Subscriptions

I pay for online subscriptions to the NYT, WSJ, and WaPo, plus an additional subscription to the NYT crossword. Those and Arts & Letters Daily www.aldaily.com provide more than enough reading material.
by Halicar
Wed Jan 09, 2019 8:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

The Public Domain Review: Selected Essays Vol. I Essays and Reviews from my new favorite website https://publicdomainreview.org/ . The opening chapter, a review of the 1906 book The Criminal Prosecution and Capital Punishment of Animals , gives a good sense of the sorts of curiosities and obscuriti...
by Halicar
Thu Jan 03, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Your ideal home size
Replies: 130
Views: 8300

Re: Your ideal home size

My current house is ideal for me. It's a 3-bedroom, 1000 sq. ft. ranch with a full basement. It's just myself and my son, so it's plenty of room. I made the third bedroom into a library, which I've always dreamed of having, and I have a music studio and workshop in the basement. It occurred to me th...
by Halicar
Thu Jan 03, 2019 11:06 am
Forum: Personal Consumer Issues
Topic: First (consumer!) purchase of 2019 and purchase recordkeeping
Replies: 32
Views: 2203

Re: First (consumer!) purchase of 2019 and purchase recordkeeping

Date, account, payee, comments, category (food, dining out, water, electricity, income, etc), amount is recorded. That's exactly what I do in Excel. I then have a pivot table showing monthly spending by category, and a dashboard that shows an automatically-calculated current balance of all accounts...
by Halicar
Fri Dec 28, 2018 4:50 pm
Forum: Personal Consumer Issues
Topic: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?
Replies: 44
Views: 3883

Re: Making Large Purchases with Credit Card and Immediately Paying Off- Bad for Credit Score?

Paying balance before statement close in a single payment is very, very, very unlikely to cause issues. I just got a message on Credit Karma actually recommending that I do this to help my score. I have a J.Crew store card with a limit of $500 and I just spent about $250 on it the other week. That ...
by Halicar
Sat Dec 15, 2018 7:42 am
Forum: Personal Finance (Not Investing)
Topic: Law school without practicing law
Replies: 79
Views: 5828

Re: Law school without practicing law

oaks wrote:
Fri Dec 14, 2018 10:30 pm
I am certain that lawyers get sued substantially less often than non-lawyers and probably even non-existent for frivolous lawsuits
That's an interesting assertion. Do you have evidence to support it?
by Halicar
Thu Dec 13, 2018 1:08 pm
Forum: Personal Finance (Not Investing)
Topic: What percentage of your net worth is your home equity?
Replies: 309
Views: 22090

Re: What percentage of your net worth is your home equity?

This thread is starting to remind me of the legendary bodybuilding.com thread with the argument over how many days are in a week :D

https://forum.bodybuilding.com/showthre ... =107926751
by Halicar
Tue Dec 04, 2018 8:11 pm
Forum: Personal Consumer Issues
Topic: Murder Mystery Authors
Replies: 117
Views: 13924

Re: Murder Mystery Authors

Currently my favorite mystery author is J.K. Rowling writing as Robert Galbraith. The fourth book in the series was published a couple of months ago.
by Halicar
Fri Nov 30, 2018 3:03 pm
Forum: Investing - Theory, News & General
Topic: Ally just raised Online Savings accounts to 2% APY
Replies: 66
Views: 6608

Re: Ally just raised Online Savings accounts to 2% APY

Ally is great. We used it for 5 years until last weekend, moved our savings to Prime MM. 2.26% :sharebeer Did the same thing, but kept my account open. There could be a year-end "special" that might get me back. But, until then, VG Prime MM is up to 2.30%. Ally would probably have to be pushing 3% ...
by Halicar
Mon Nov 26, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790188

Re: U.S. stocks in freefall

2Birds1Stone wrote:
Sat Nov 24, 2018 1:16 pm
There is going to be a cyber-Monday sale on stocks.
It appears to be one of those sales where they raise the prices before putting them on sale...
by Halicar
Sun Nov 18, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110587

Re: [What TV Show Have You Recently Watched?]

My son and I have been watching Adventure Time and Steven Universe, two acclaimed animated series. They are both very strange and interesting, but also very funny and charming, each in its own way.
by Halicar
Sat Nov 17, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 5004

Re: When is Too Long to Return a Hair Dryer to Costco?

That sounds like a good way to get banned from Costco! I don't think they ban people operating within their parameters. I haven't heard of Costco doing this, but it's not out of the question. WSJ: More consumers are finding out that stores are using a third-party service to monitor their shopping b...
by Halicar
Mon Nov 12, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8312

Re: What's everyone currently in?

I have a "three-fund portfolio" of sorts. My 401k is 100% Vanguard Life Strategy Moderate Growth, my Roth IRA is 100% Vanguard Target Date 2025, and my taxable is 100% Vanguard 500. All together they stay close to my targets of 80/20 US/Int. and 80/20 stock/bond.
by Halicar
Sun Nov 11, 2018 7:57 am
Forum: Personal Consumer Issues
Topic: question from "not the smartest personal computer guy in the world"
Replies: 12
Views: 1740

Re: question from "not the smartest personal computer guy in the world"

* I keep my IDs/passwords on a password protected excel spreadsheet and print off a hard copy and store in a safe location Do an internet search for "how to open a password protected excel workbook" and you'll see that this is not a good idea. Password protection in Excel is not a security feature-...
by Halicar
Sat Nov 03, 2018 5:40 pm
Forum: Personal Consumer Issues
Topic: Multiple newspaper and magazine subscriptions - how much do you pay to stay informed?
Replies: 53
Views: 2713

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

The New York Times, Washington Post, and Wall Street Journal come to $55.98/mo. I think the NYT crossword is another $25/year or so. It begs the question about ‘staying informed’ and what that really means, and why. This is a good point. Sometimes in fits of honesty I wonder whether the real reason ...
by Halicar
Thu Nov 01, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

James Bond books are one of my weaknesses. I have several copies of most of them, going back to paperbacks I bought in the very early '60s. Every few years I start going through them. I read all of them about 10 years ago and really enjoyed them. I went in thinking they'd be campy/pulpy guilty plea...
by Halicar
Sun Oct 21, 2018 8:04 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

Lethal White by "Robert Galbraith," i.e., J. K. Rowling. The fourth book in the excellent series of detective novels. The series centers around the fairly well-worn trope of the unlikely male-female duo who can't decide whether they're colleagues or friends or soulmates, but I think Rowling does it...
by Halicar
Fri Aug 03, 2018 8:34 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 5130

Re: best place to hide a key

Do you really need to lock it? I seldom lock my car. There's nothing valuable in it and the likelihood of someone driving off in it is vanishingly small.
by Halicar
Wed Jul 18, 2018 8:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

This past weekend I read two short books--one disappointing, one enjoyable. Disappointing was The Origins of Creativity by Edward O. Wilson: a vague and meandering book that comes nowhere near to addressing the origins of creativity. Enjoyable was The Thirty-Nine Steps by John Buchan: a brisk thrill...
by Halicar
Tue Jul 17, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: suit shoe combo?
Replies: 49
Views: 3468

Re: suit shoe combo?

Black suits are for funerals and Quentin Tarantino movies. Wear a charcoal or navy suit.
Doctor Rhythm wrote:
Tue Jul 17, 2018 4:44 pm
I would stick with boring, traditional black leather shoes. Why? This event is about the couple, not about you or your sartorial creativity
+1
by Halicar
Sat Jul 14, 2018 11:59 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

Things to Make and Do in the Fourth Dimension by Matt Parker. A recreational mathematics book in the spirit of Martin Gardner. The title is a bit of a bait-and-switch--only two chapters or so are on the fourth dimension--but the book is a very enjoyable tour of mathematics. He covers the Platonic s...
by Halicar
Fri Jul 06, 2018 1:01 pm
Forum: Personal Consumer Issues
Topic: Older Women Lifting Weights
Replies: 87
Views: 7138

Re: Older Women Lifting Weights

Miriam2 wrote:
Thu Jul 05, 2018 1:22 am
randomguy wrote: Men and woman are both 99% human.
And what is the remaining 1% :shock:
https://en.wikipedia.org/wiki/Human_microbiota I think it's far more than 1%... :|
by Halicar
Sun Jul 01, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Airbnb - cleaning fee, service fee, occupancy fee....???
Replies: 108
Views: 9589

Re: Airbnb - cleaning fee, service fee, occupancy fee....???

I'm pretty sure that for both hotels and air bnb's, these fees are separated from the nightly rate because they are more or less fixed costs per visit, whether that visit is one night or seven. If they were all absorbed into the nightly rate, the total cost of a visit would either be too low for a o...
by Halicar
Sat Jun 30, 2018 10:07 am
Forum: Personal Consumer Issues
Topic: Bogleheads approach to hair loss?
Replies: 15
Views: 1125

Re: Bogleheads approach to hair loss?

The only thing I can think of that can be called the "Bogleheads approach" would be to use the Amazon affiliate link at the top of the page when you buy your Wahl trimmer. :D
by Halicar
Mon Jun 18, 2018 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: [Flawed?] Paying off mortgage in 5 years
Replies: 39
Views: 3904

Re: Using HELOC to pay off mortgage in 7 years?

OP posted the same thing a couple of months ago and everyone said it was a scam. I suspect that OP isn't really asking in good faith, and is actually trying to scam people.
by Halicar
Fri Jun 15, 2018 9:34 am
Forum: Personal Finance (Not Investing)
Topic: Boring Job
Replies: 64
Views: 7957

Re: Boring Job

why arnt you finding more work to do? I'm not the OP but I'm in a similar situation. The problem is that "finding more work" means getting involved with other people's jobs, which is a great way to make enemies. Most of my coworkers have been here for decades and are deeply entrenched in their role...
by Halicar
Wed Jun 06, 2018 4:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to help 12 year old learn about business/investing
Replies: 14
Views: 1241

Re: How to help 12 year old learn about business/investing

The Khan Academy is a YouTube educational channel with a huge variety of subjects, including finance and economics.

https://www.youtube.com/user/khanacadem ... helf_id=11
by Halicar
Fri Jun 01, 2018 11:04 am
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 9417

Re: is Having more and needing less normal?

This has already started for me even as I just approach 40. With kids and family in good health, good jobs and a nice home, I have begun to view much of the stuff we accumulate as an anchor that weighs us down physically and emotionally. It's tough with 3 young kids in a small-ish home, but I've be...
by Halicar
Tue May 15, 2018 9:11 am
Forum: Personal Consumer Issues
Topic: Moving Books
Replies: 7
Views: 797

Re: Moving Books

I think banker's boxes would be too big--depending on how many books you have and how far you'd have to carry them. The last time I packed up and moved my books I used the Home Depot small (12x12x18) moving boxes and I'd say they're the perfect size.
by Halicar
Sat Apr 28, 2018 7:10 pm
Forum: Personal Consumer Issues
Topic: Which literary magazine do you read?
Replies: 12
Views: 1024

Re: Which literary magazine do you read?

Arts & Letters Daily is an excellent aggregator of literary articles and book reviews. www.aldaily.com
by Halicar
Fri Apr 20, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Interesting S & P 500 facts
Replies: 9
Views: 2265

Re: Interesting S & P 500 facts

nisiprius wrote:
Thu Apr 19, 2018 6:58 pm
but it is not an index of the 500 largest-cap stocks.
Do you by chance know what the largest-cap companies are that are not included?
by Halicar
Fri Apr 13, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

Just started H.P. Lovecraft: The Complete Fiction . I haven't read much fiction in a while but I love cosmic horror so I'm finally going to the source! I haven't read it yet, but I just happened to pick up The Rim of Morning: Two Tales of Cosmic Horror by William Sloane. Two 1930's novels recently ...
by Halicar
Wed Apr 11, 2018 4:55 pm
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42624

Re: Name something you bought that wasn't cheap and glad you did

Alden "Indy" boots. I've been wearing them about four years now and they've barely aged--they actually look better. They will last me literally the rest of my life.
by Halicar
Sat Apr 07, 2018 11:19 am
Forum: Investing - Theory, News & General
Topic: What can we learn from secret millionaires.
Replies: 93
Views: 18328

Re: What can we learn from secret millionaires.

Yes, a very broad range of secret millionaires. I've often told people that there is far more wealth than they suspect in places (towns, cities, regions, specific cohorts of people, etc.). For example, in my HCOL city, virtually ANY building on any commercial or shopping street, in any decent neigh...
by Halicar
Tue Mar 20, 2018 12:18 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 35756

Re: Those with high savings rate: why?

I am over 75 now. Take my advice and save a little but not too much. If only I had in my 30s what I have now. The testosterone has subsided and the yearning for fast cars and fast women has disappeared. With my time over again I would spend most of what I earned on pleasures. With only 10 or so yea...
by Halicar
Thu Mar 15, 2018 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Those with high savings rate: why?
Replies: 246
Views: 35756

Re: Those with high savings rate: why?

So that I can survive when I am no longer able to work.

I find it interesting that this wasn't even on your list.
by Halicar
Thu Mar 08, 2018 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: Are you ready for Amazon checking?
Replies: 42
Views: 6487

Re: Are you ready for Amazon checking?

It seems to me that checking accounts are pretty much a commodity at this point. I don't really know what makes one better than another.
by Halicar
Sun Mar 04, 2018 8:32 pm
Forum: Investing - Theory, News & General
Topic: "Bogleheads.org" by Kristine Hayes"
Replies: 60
Views: 9835

Re: "Bogleheads.org" by Kristine Hayes"

Technically I believe it is INITIALISM and not acronyms. C I remember reading somewhere (maybe in one of the Bogleheads' Guides books) that REIT is pronounced "reet" which would make it an acronym--I've never actually heard it IRL... er, in real life, though. I have heard people pronounce IRA "Ira"...
by Halicar
Sun Mar 04, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3526
Views: 1034722

Re: What Book Are You Currently Reading? Part VI

Unsolved! by Craig Bauer, about unsolved cyphers and codes throughout history, for example the Voynich Manuscript and the Zodiac killer's cyphers. The subject matter is fascinating, but I'm not very impressed with the writing style--very casual and chatty, and a bit meandering. Recently finished Th...
by Halicar
Thu Mar 01, 2018 8:11 am
Forum: Personal Consumer Issues
Topic: What kind of desktop computer should I buy?
Replies: 49
Views: 5052

Re: What kind of desktop computer should I buy?

Every computer thread, without fail: OP: I don't want a laptop. I don't want an Apple. Replies: You should get a laptop! You should get an Apple! To answer your question, I think just about any PC model will work for you. My last two computers were HP's from Amazon and they worked fine. My only reas...
by Halicar
Wed Feb 28, 2018 9:23 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9638

Re: 30-Day Minimalist Challenge

Kondo is definitely not for those who don't want to commit the time. And aren't willing to get a little out there. Ok, pretty out there haha. In my experience I thought the process grew three invaluable skills: 1.). Identify what brings you joy 2.). Appreciate what you have. She literally recommend...
by Halicar
Wed Feb 28, 2018 8:38 pm
Forum: Personal Consumer Issues
Topic: 30-Day Minimalist Challenge
Replies: 79
Views: 9638

Re: 30-Day Minimalist Challenge

I've not read the Kondo book, mentioned above, so I'm sure there is much I don't understand about that philosophy. I think it says something like "get rid of things that do not give you joy." I live on a couple of acres in the country, which gives me joy. So I won't give away the house, I suppose. ...