Search found 83 matches

by Halicar
Mon Nov 12, 2018 8:02 am
Forum: Investing - Theory, News & General
Topic: What's everyone currently in?
Replies: 93
Views: 8066

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: 1695

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: 51
Views: 2367

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: 3408
Views: 1014922

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: 3408
Views: 1014922

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: 5066

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: 3408
Views: 1014922

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: 3437

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: 3408
Views: 1014922

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: 7018

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: 81
Views: 7174

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: 1106

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: 3819

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: 7884

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: 1217

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: 9272

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: 760

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: 940

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: 2152

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: 3408
Views: 1014922

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: 42036

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: 18141

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: 35112

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: 35112

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: 6448

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: 9709

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: 3408
Views: 1014922

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: 4877

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: 9427

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: 9427

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. ...
by Halicar
Thu Feb 22, 2018 10:27 am
Forum: Personal Consumer Issues
Topic: [What UN-frugal thing do you do? What do you splurge on?]
Replies: 567
Views: 42036

Re: What UN-frugal thing do you do?

I am simply ok with spending a few extra bucks every month to be comfortable in my own freaking home. If I'm cold in the winter, I turn it up a few degrees. This is not meant to be an insult to any of you thermostat obsessed folks--just not something I really care about. I wear holey underwear and ...
by Halicar
Mon Feb 19, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Is it "cute" to invest in sector funds?
Replies: 46
Views: 5271

Re: Is it "cute" to invest in sector funds?

I tend to agree with this Marketwatch column https://www.marketwatch.com/story/index-funds-now-are-part-of-an-investors-biggest-problem-2017-12-06 which argues that sector ETF's can be particularly perilous because they lure investors into stock picking while fooling themselves that they are engagin...
by Halicar
Sat Feb 17, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Laddering CDs: 6 mos v. 1 year?
Replies: 11
Views: 1382

Re: Laddering CDs: 6 mos v. 1 year?

Isn't the point of CD laddering to buy longer terms (say 60 months) but to do it every year or every six months? That way you get some liquidity and higher rates. I'm not sure what you mean by "laddering" six-month CD's.
by Halicar
Fri Feb 16, 2018 8:10 am
Forum: Personal Finance (Not Investing)
Topic: How to get child's skin in the game for college?
Replies: 135
Views: 8371

Re: How to get child's skin in the game for college?

So the issues are 1. How can a child of high earning parent get a student loan if necessary? 2. How to hold child accountable for the grades / performance to justify the free ride for college? Thanks I guess people have different priorities, but I find this jaw-droppingly selfish. Pay for your chil...
by Halicar
Wed Feb 14, 2018 7:15 am
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 98
Views: 19140

Re: Replacement for Google Finance price quote function

One Ping wrote:
Wed Feb 07, 2018 12:31 pm
Anyone have an approach that works with EXCEL?

This function is apparently being added to Excel soon.

viewtopic.php?f=11&t=240763#p3767113

Edit: fixed quote and user ping.
by Halicar
Mon Feb 12, 2018 5:59 pm
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 5149

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

For example, a retail store I used to work at had a "senior citizen" discount for people 55 and older. I mentioned that 55 was hardly a senior citizen, and the response was that it used to be 65, but so many people lied about being 65 that it was just simpler to lower the age instead of confronting...
by Halicar
Mon Feb 12, 2018 10:58 am
Forum: Personal Consumer Issues
Topic: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns
Replies: 41
Views: 5149

Re: L.L. Bean, Citing Abuse, Tightens Its Generous Policy on Returns

I hate it when companies have insanely over-generous return policies like these. It basically seems to subsidize the grifters at the expense of those of us who wouldn't game the system (either because of laziness or some other personal choice). I agree, and what's even worse is that these ridiculou...
by Halicar
Sun Feb 11, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Borrow vs Pay Cash
Replies: 24
Views: 2208

Re: Borrow vs Pay Cash

My car loan is 60 months at 0.9%. My savings and CD's at Ally range from 1.45% to 2.45%. It's only a few dollars a year, but I come out ahead.
by Halicar
Fri Feb 09, 2018 10:40 am
Forum: Personal Consumer Issues
Topic: What time do you go to work?
Replies: 72
Views: 6495

Re: What time do you go to work?

My hours are 8:00 to 4:00 with a one hour paid lunch. That, combined with the 4 minute (3 if I make both lights) commute gives me a great work/life balance. There's a downside to this though, which is that it's making me complacent with this job that frankly I otherwise don't really like and isn't g...
by Halicar
Tue Feb 06, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Microsoft adding stock quote functionality to Excel
Replies: 12
Views: 3861

Re: Microsoft adding stock quote functionality to Excel

OP, what is the benefit from having real-time stock quotes in a spreadsheet? Automatically tracking the value of your portfolio. There have been a few threads on various workarounds to accomplish this (e.g. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=218779)--it should be pretty handy to ...
by Halicar
Tue Feb 06, 2018 4:08 pm
Forum: Personal Consumer Issues
Topic: Microsoft adding stock quote functionality to Excel
Replies: 12
Views: 3861

Microsoft adding stock quote functionality to Excel

For a while now, people have been discussing how to download securities quotes to Excel, since Yahoo Finance stopped working for this. Microsoft has announced that they are adding this functionality to Excel soon. See this Reddit thread: https://www.reddit.com/r/excel/comments/7votht/stock_quotes_ar...
by Halicar
Tue Feb 06, 2018 7:56 am
Forum: Personal Consumer Issues
Topic: Best website to use for book reviews
Replies: 6
Views: 958

Re: Best website to use for book reviews

Goodreads www.goodreads.com for reader recommendations.

The New Books section of Arts & Letters Daily www.aldaily.com for "real" book reviews.
by Halicar
Sat Feb 03, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Do you live on a budget?
Replies: 65
Views: 4476

Re: Do you live on a budget?

JPH wrote:
Sat Feb 03, 2018 8:23 am
No need to budget. I just live beneath my means.
I don't think those two things are mutually exclusive. In my experience, keeping very close track of where my money goes allows me to optimize my spending and saving.
by Halicar
Fri Feb 02, 2018 3:33 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 7836
Views: 1608135

Re: U.S. stocks in freefall

fantasytensai wrote:
Fri Feb 02, 2018 2:23 pm
More people are selling than are buying.
Maybe I'm just being dense, but by definition, every time someone sells a stock, someone else buys it. So there can never be more people selling than buying, no?
by Halicar
Fri Feb 02, 2018 10:20 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 51
Views: 5824

Re: anyone own a stingray corvette? how do you like it?

these may be cars for younger guys. There is literally no car in existence that is more of an old man car than a Corvette. I have owned 11 corvettes over the years and only two since I was 55 or older. If you do not like them that is fine - but they are really fun and a very capable car. I have not...
by Halicar
Fri Feb 02, 2018 9:21 am
Forum: Personal Consumer Issues
Topic: anyone own a stingray corvette? how do you like it?
Replies: 51
Views: 5824

Re: anyone own a stingray corvette? how do you like it?

jdb wrote:
Sun Jul 31, 2016 6:59 am
these may be cars for younger guys.
There is literally no car in existence that is more of an old man car than a Corvette.
by Halicar
Wed Jan 31, 2018 9:11 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47607

Re: What frugal thing did you do today?

Not today per se, but my January expenses were $2159.73. This met my goal of under $2250, but not my stretch goal of under $2000. This does not include health insurance or taxes.
by Halicar
Wed Jan 31, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 483
Views: 47607

Re: What frugal thing did you do today?

Sandtrap wrote:
Thu Jan 04, 2018 11:50 am
Long for the days of a good physical bookstore
when one could review in the store, meander for hours, then decide to buy.
I worked at a few small, independent bookstores many years ago. One of the biggest problems they faced were customers who would buy books, read them, then return them.
by Halicar
Wed Jan 31, 2018 10:47 am
Forum: Personal Consumer Issues
Topic: My new car buying experience.
Replies: 46
Views: 9741

Re: My new car buying experience.

I used PenFed for a five year loan at 2.99% for the balance that was not covered by the trade in. I have a great credit score and the dealership could not beat that. I used a five year loan to keep the payments low. This is really surprising to me. I have a mediocre credit score and the dealer gave...
by Halicar
Fri Jan 26, 2018 1:53 pm
Forum: Personal Finance (Not Investing)
Topic: How do you decide how wealthy you really are?
Replies: 58
Views: 8861

Re: How do you decide how wealthy you really are?

By determining what it takes to cause me a financial problem. $1000 auto repair? No problem. $5000 home repair? No problem. $10,000 medical bill? Minor problem.