Search found 4953 matches

by protagonist
Tue Jan 23, 2018 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Cost of living comparison (HCOL vs LCOL)
Replies: 67
Views: 3668

Re: Cost of living comparison (HCOL vs LCOL)

Personally, I feel like if one can afford it, one should live where one wants to live and bite the bullet. If you love the LCOL area more than where you are now, move there. If you love your current location and job, stay put. Otherwise you are letting the tail wag the dog. I think there are great a...
by protagonist
Tue Jan 23, 2018 12:59 am
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 43
Views: 4461

Re: Am I being greedy?

I used to kayak with an olympic level kayaker. One time, when we were scouting a class 5 rapid, I asked him if he thought I might die if I tried running it. His reply was "If you think you might die, you probably will." Wise advice. If you think you might be greedy, you probably are. (btw, I just n...
by protagonist
Mon Jan 22, 2018 10:47 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 33
Views: 3859

Re: The Power of Working Longer

Ok fair enough. Being completely honest about it, that sounds about right to me though. One extra percent saved requires the slightest of living standard adjustment, and to know that buys me 3-6 months of freedom. If anything that validates my choice to have saved a lot. So if you save 10% more tha...
by protagonist
Mon Jan 22, 2018 10:40 pm
Forum: Investing - Theory, News & General
Topic: Small Value Premium - How Do You View It?
Replies: 43
Views: 2078

Re: Small Value Premium - How Do You View It?

How do you look at the Small Value Premium? - Negative: It's just random luck or an anomaly that it outperformed in the past. Large cap companies are more proven and deserve their heavier market weight status in Total Stock Market Index Fund. / Neutral: Believe in it somewhat but I will just tilt t...
by protagonist
Mon Jan 22, 2018 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Am I being greedy?
Replies: 43
Views: 4461

Re: Am I being greedy?

I used to kayak with an olympic level kayaker. One time, when we were scouting a class 5 rapid, I asked him if he thought I might die if I tried running it. His reply was "If you think you might die, you probably will." Wise advice. If you think you might be greedy, you probably are. (btw, I just no...
by protagonist
Mon Jan 22, 2018 10:19 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 370
Views: 59826

Re: What's your one big takeaway from the Crash of 2008?

By the way, I just noticed that this thread was started in 2008. I didn't know about this forum in 2008. I wish I did.

What I find very interesting is comparing the posts made at the time of the crash with the posts people (in some cases, the same people) are making now.
by protagonist
Mon Jan 22, 2018 10:05 pm
Forum: Investing - Theory, News & General
Topic: What's your one big takeaway from the Crash of 2008?
Replies: 370
Views: 59826

Re: What's your one big takeaway from the Crash of 2008?

Keep enough money in safe investments (mostly CDs in my case) to pretty much insure making it through retirement without significant pain if the market drops 99% and does not recover while I am still alive. Leave the rest to gamble in the market without having to worry about what happens to it, sinc...
by protagonist
Mon Jan 22, 2018 9:51 pm
Forum: Personal Consumer Issues
Topic: Xfinity Mobile
Replies: 96
Views: 10978

Re: Xfinity Mobile

Just a tip (yes, I know it's pretty obvious but...): I find it very useful to have a second line with a different number. I use that number whenever I need to give somebody my phone number, and may want one call from them but no more. When I recently bought a car I used the second line (the $1 LG Ch...
by protagonist
Tue Jan 16, 2018 12:40 am
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1853

Re: wild bird feed

OP.... Motivated by this thread, I just found the following forum on the internet: http://www.birdforum.net/index.php Though Bogleheads has become the go-to forum for many people for solving all their problems (financial, personal, philosophical, scientific, whatev), the above forum is more speciali...
by protagonist
Sun Jan 14, 2018 3:46 pm
Forum: Investing - Theory, News & General
Topic: Study: The Rate of Return on Everything, 1870-2015
Replies: 106
Views: 17752

Re: Study: The Rate of Return on Everything, 1870-2015

I can't argue with the logic of any of what I read above, regarding why the USA will remain pre-eminent and prosperous. All good arguments. The problem is, however, that there are so many possibilities in the world, that it is easy to come up with a convincing argument to support just about any rea...
by protagonist
Thu Jan 11, 2018 6:38 pm
Forum: Personal Finance (Not Investing)
Topic: A half year at full pay or a full year at half pay?
Replies: 49
Views: 4676

Re: A half year off at full pay or a full year off at half pay?

Are we crazy to consider taking a year? What other factors should we consider? Please help us think this through this in a boglehead-ish way! -UlH No , you would be crazy to consider taking a half year instead. Time is the most valuable thing we have, and we don't have much of it. ps...Not to derai...
by protagonist
Thu Jan 11, 2018 6:34 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1853

Re: wild bird feed

Jadedfalcons Not to hijack the thread, but what do you recommend to feed the squirrels? Thanks, Ace My experience is try to feed the birds and you will be feeding the squirrels. One just got in my roof and chewed a silver dollar sized hole in the ceiling of my music studio. Be careful what you wish...
by protagonist
Thu Jan 11, 2018 6:32 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1853

Re: wild bird feed

For some reason, this year 80-90% of my visitors seem to be sparrows. I don't have an explanation for the sudden decline in species diversity. Perhaps somebody else can solve that mystery for me. Or at least guess since I have no clue. That is what Bogleheads is for. Maybe someone else in the neigh...
by protagonist
Thu Jan 11, 2018 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: How do you define middle class? Which class do you consider yourself in?
Replies: 23
Views: 2174

Re: How do you define middle class? Which class do you consider yourself in?

Personally, I see no merit in talking about "class". Everybody either thinks they are "poor" or "middle class". Even people in the top 1% of income say they are "middle class". +1 Interesting, isn't it? In another post I defined "rich" as anybody making significantly more money than the person doin...
by protagonist
Thu Jan 11, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: wild bird feed
Replies: 43
Views: 1853

Re: wild bird feed

The owner of the Birdfeeder Store in My Fair City advised me to just use suet and black sunflower seeds...like people stated above, she says most birds like it and the suet is good energy food in the winter. I'm interested to see if others agree with this. So far it seems like they do. In prior year...
by protagonist
Thu Jan 11, 2018 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: Company Sponsored Financial Wellness Program
Replies: 6
Views: 547

Re: Company Sponsored Financial Wellness Program

Caveat emptor.

If you frequent this forum, and given your original post, I assume you could probably go, and have enough sense to know what is information and what is propaganda.

And anywow, you could always run any ideas they give you by the folks here for impressions before you buy in.
by protagonist
Thu Jan 11, 2018 6:04 pm
Forum: Personal Finance (Not Investing)
Topic: What's Your Credit Card Rewards Strategy?
Replies: 2391
Views: 443226

Re: What's Your Credit Card Rewards Strategy?

Chase Freedom includes internet/cable/phone services this quarter. Is there any reason not to prepay $1500 today on those? Interesting approach. That would be a lot of advance payment in my case, but I suppose $500 isn't a bad idea. The problem is I have little faith in Comcast/Xfinity and I would ...
by protagonist
Thu Jan 11, 2018 1:13 am
Forum: Investing - Help with Personal Investments
Topic: Goodbye Capital One 360!!
Replies: 56
Views: 8080

Re: Goodbye Capital One 360!!

The only thing I see at the moment that kinda stinks is that Capital One's MM account is at 1.3% whereas Ally is at .90%. It appears at quick glance that just putting the money in Ally's no penalty CD seems the best way to go as I just will be using them as an online savings account anyway. Any wor...
by protagonist
Tue Jan 09, 2018 2:39 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20750

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The best reason I can think of is that it feels so good . Regardless of whether or not you are "rich". IMHO, that is worth its weight in gold. ' I am told doing crack also feels really good. I don't think that is a good reason to do it.:) There are solid risk reductions reasons to pay off the mortg...
by protagonist
Tue Jan 09, 2018 2:31 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 33722

Re: Year 2000 retirees using the '4% rule' - Where are they now?

I bet a lot of retirees had most/all of their money in Wellington, so I don’t think it’s worth calling 60/40 hindsight bias. In fact, I bet Wellington did better than 60/40 TSM/TBM. Maybe some people had Wellesley or Wellington. But I don't recall the SWR folks recommending them. That's why these q...
by protagonist
Tue Jan 09, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20750

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The best reason I can think of is that it feels so good . Regardless of whether or not you are "rich". IMHO, that is worth its weight in gold. ' I am told doing crack also feels really good. I don't think that is a good reason to do it.:) There are solid risk reductions reasons to pay off the mortg...
by protagonist
Tue Jan 09, 2018 2:09 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 126
Views: 20750

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

The author suggests anyone with 6-figure income is "rich" or a "high-earner". I'd say $100k is barely getting by nowadays. By your criteria, 92% of Americans are barely getting by nowadays. By my criteria, being in the 92nd percentile or above in one of the richest countries in the world would defi...
by protagonist
Mon Jan 08, 2018 10:55 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 19013

Re: Anyone disenchanted with retirement?

I am very happy to hear successful retirement stories. But this "withdrawal and spending rate during retiment is zero" makes me think that I have to work many many more years to achieve that level of SWR. Knowing nothing of your financial situation, you have to realize that there are members of thi...
by protagonist
Mon Jan 08, 2018 10:31 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 182
Views: 19013

Re: Anyone disenchanted with retirement?

My informal polling suggests that around 10-15% of folks end up being not happy with retirement. Why is that? No doubt that individual situations differ, but an overly simplified way of looking at it is that having a plan is crucial. If your numbers are correct, my simple explanation is that at lea...
by protagonist
Mon Jan 08, 2018 10:24 pm
Forum: Personal Consumer Issues
Topic: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?
Replies: 36
Views: 3303

Re: The "Forever Home" Myth: Should I Plan on Buying 2 Homes?

I'm 65. If you had a crystal ball in 1978, when I was 25, and could have described my life accurately today in 2018, I would have laughed hysterically and said "no way, charlatan!" In fact, if you did the same in 1998, when I was 45, I would still have laughed in your face. The future is....well.......
by protagonist
Mon Jan 08, 2018 10:12 pm
Forum: Investing - Theory, News & General
Topic: Hitting The Sell Button
Replies: 222
Views: 24880

Re: Hitting The Sell Button

Rebalancing is more work than I would like to do, and in a Japan-like scenario could be quite disconcerting to say the least.

I prefer keeping a safe bucket of money I might need in CD's, I-bonds and the like and gambling the rest in the market (index funds). It keeps me from riding a sea of worry.
by protagonist
Mon Jan 08, 2018 10:06 pm
Forum: Forum Issues and Administration
Topic: Misuse of adverse when averse was meant
Replies: 145
Views: 5880

Re: Misuse of adverse when averse was meant

The purpose of language is communication.

If what is said is interpreted as intended, the communication is successful.

I ain't kiddin' about this.
by protagonist
Mon Jan 08, 2018 9:59 pm
Forum: Personal Consumer Issues
Topic: Best Phone Plan for 1 person
Replies: 86
Views: 3673

Re: Best Phone Plan for 1 person

As much as I loathe Xfinity/Comcast, they offer a great plan for one who does not use much data- up to 5 phones, Verizon network, you pay a total of $12 /month per gigabyte, no commitment, phones can be unlocked anytime . There are a few catches: - You have to have an Xfinity/Comcast home internet p...
by protagonist
Mon Jan 08, 2018 9:45 pm
Forum: Personal Consumer Issues
Topic: Car recommendations needed for growing family
Replies: 34
Views: 1994

Re: Car recommendations needed for growing family

Loyal Honda driver here.....but just bit the bullet and bought a Hyundai. I got a much better deal on it than I could negotiate for a similar model Honda or Toyota (Elantra Limited, which would not serve your purposes but I got it for about $7K below MSRP). So far, after 2 months of driving the car,...
by protagonist
Mon Jan 08, 2018 9:29 pm
Forum: Personal Consumer Issues
Topic: Debating which credit card to get for airline travel
Replies: 22
Views: 1247

Re: Debating which credit card to get for airline travel

I suggest that you visit this as well. www.thepointsguy.com Just do not click on any of the offers on that site without double checking that it's the highest available. It is notorious for not offering the best available offers and only hyping ones that provide the best kickback. A better resource ...
by protagonist
Mon Jan 08, 2018 9:24 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 33722

Re: Year 2000 retirees using the '4% rule' - Where are they now?

And here are the actual portfolio values at the 16 year mark for all the years that were doing even worse than the Year 2000 person -- but still worked out fine. https://cdn-images-1.medium.com/max/800/1*Qrf3Um_DteE_WauvkIfG3A.png I'm curious, Joe, where you got those numbers....are they available ...
by protagonist
Mon Jan 08, 2018 9:17 pm
Forum: Investing - Theory, News & General
Topic: Year 2000 retirees using the '4% rule' - Where are they now?
Replies: 354
Views: 33722

Re: Year 2000 retirees using the '4% rule' - Where are they now?

This is interesting in the abstract, but I am not sure what relevance it has for people retiring today. The past 18 years have been quite interesting, with one of the worst crashes in modern history followed by one of the most lucrative bull markets in modern history. Certainly neither 9/11 nor the ...
by protagonist
Tue Jan 02, 2018 9:42 am
Forum: Investing - Theory, News & General
Topic: What the experts say about Bitcoins?
Replies: 114
Views: 7851

Re: What the experts say about Bitcoins?

I, too, believe that bitcoin is a specious bubble poised to pop. I have no idea whether I am right or wrong, but that is my guess. But regarding "intrinsic worth", do national currencies have intrinsic worth? Perhaps they did when they were backed by silver or gold, if one is to assume that silver a...
by protagonist
Mon Jan 01, 2018 8:07 pm
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23176

Re: Learning Violin as an adult...One Year later!

They're not as into the idea as me. Sax and violin don't work well together. Though I humor him and play along anyway. It's mostly sax and my violin vibrating along with the sax. Flute and violin certainly do, and we have duet books, but she's not that enthusiastic about it. Sax and violins don't w...
by protagonist
Thu Dec 28, 2017 1:05 am
Forum: Personal Finance (Not Investing)
Topic: Invest or pay off debt
Replies: 9
Views: 1172

Re: Invest or pay off debt

If I was forced to choose one or the other, I would always prioritize paying off debt. If for no other reason in an unpredictable world, because it gives me peace of mind- perhaps even more so today with such an (arguably) inflated stock and bond market . But you stated that the psychological factor...
by protagonist
Thu Dec 28, 2017 12:49 am
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 4791

Re: Cheap tablet just for internet surfing

I just bought a Lenovo Yoga Book for $124, on deep discount (clearance) at a handful of Walmart locations in house only. If you can find one near you at or near that price it is probably the best bang for the buck. You can check inventory at Brickseek.com It is available in Android and Windows versi...
by protagonist
Thu Dec 28, 2017 12:44 am
Forum: Personal Consumer Issues
Topic: Learning Violin as an adult...One Year later!
Replies: 179
Views: 23176

Re: Learning Violin as an adult...One Year later!

Congratulations! Suzuki violin is how my daughter started, and that was a big part of my inspiration to take up an instrument. You must have gotten past that Gavotte. I recall that was a challenge. Don't give up. No matter what you do. I'm about 10 years into saxophone, having started around age 55....
by protagonist
Thu Dec 28, 2017 12:34 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4059

Re: Different ways to order coffee

When in Seattle staying with a friend in the 1980s ,my friend told me I had to try this local coffeehouse called "Starbucks". I did and I thought I died and went to heaven. I came back to Boston with tales of having found heaven in a cup. Around the early or mid-90s I heard a Starbucks was to open i...
by protagonist
Thu Dec 21, 2017 11:03 pm
Forum: Personal Consumer Issues
Topic: Sous Vide?
Replies: 65
Views: 9444

Re: Sous Vide?

After the great results I got with the Joule I bought for my sweetie, I bought myself a budget version from Monoprice that cost just a bit more than a third of what the Joule costs ($69 with free shipping and no tax). I got sweetie's mom a $69 Gourmia from Amazon. I made salmon with the Monoprice on...
by protagonist
Thu Dec 21, 2017 10:52 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4059

Re: Different ways to order coffee

No. Dunkin Donut' s coffee is roasted lighter than Starbucks. It does not taste burnt. It has to do with the roasting. You can taste the difference even drinking it dark. KlangFool So Klang, why do so many people (including unsophisticated me) tend to prefer espresso over American coffee, and are w...
by protagonist
Thu Dec 21, 2017 10:44 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4059

Re: Different ways to order coffee

Disclosure: I'm into coffee, I really like coffee, I can be particular about coffee, but I've happily consumed crappy diner coffee and dunkin donuts in the last week. WS1, I do not like Dunkin Donut but their coffee is actually pretty good. I prefer their coffee much more than the Starbucks. KlangF...
by protagonist
Thu Dec 21, 2017 10:33 pm
Forum: Personal Consumer Issues
Topic: Where to retire in Florida?
Replies: 165
Views: 27961

Re: Where to retire in Florida?

Disappointing to hear this about Key West. First Times Square and now Key West too? I used to visit these places as a student in the 80s and they were cool because they were salty. BFG I'm revisiting this post as the New England winter is rearing its ugly head. I'm seriously thinking of selling my ...
by protagonist
Thu Dec 21, 2017 9:56 pm
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4059

Re: Different ways to order coffee

2) If you did all those things to the coffee and you still think that the coffee is very good, it meant that you do not have a discriminate taste bud for the coffee. KlangFool Probably true. I'm more of a tea drinker actually. But I know what I like. I posted the sous vide thing , just because I th...
by protagonist
Wed Dec 20, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Different ways to order coffee
Replies: 41
Views: 4059

Re: Different ways to order coffee

Cold brew and drip will expose the coffee that had been burned while roasted. So, the bitterness has to do with the burned coffee bean. You will less likely to discover and taste the burned coffee bean if you drink expresso. I tried an experiment last night, since just getting a sous vide machine. ...
by protagonist
Wed Dec 20, 2017 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4041

Re: Availability of health care providers - how to factor this in a move?

Since we haven't planned to move I haven't checked things out thoroughly, but the correlation between cost of living and quality of medical care seems to be surprisingly loose. I was surprised to find out that Iowa, for example, is among the better states for medical care. What matters the most is ...
by protagonist
Mon Dec 18, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: Lenovo Yoga Book
Replies: 4
Views: 407

Re: Lenovo Yoga Book

The Yoga Book is a whole different ball of wax cf. the other Yogas. A relative was gifted one , doesn't want it, and is willing to sell it to me for the cheap price of $150 unused. I was thinking of using it as a traveling tablet/computer in lieu of my primary computer (ultrabook) that I usually tak...
by protagonist
Mon Dec 18, 2017 4:41 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 4791

Re: Cheap tablet just for internet surfing

I got the cheap Kindle Fire as a gift last Christmas. It lasted about a month and then died. It was also incredibly slow and very limited when it came to apps. Difficult to read because resolution was poor. Still you can't go wrong for $30 I suppose. I think I would prefer spending more and getting ...
by protagonist
Mon Dec 18, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Cheap tablet just for internet surfing
Replies: 46
Views: 4791

Re: Cheap tablet just for internet surfing

Does anybody have a Lenovo Yoga Book? Experience??? A relative was gifted one that he does not want and is willing to sell it to me for $150. Great price, but no idea whether it is any good. My thoughts are to use it instead of my ultrabook (my main computer) when I travel, and also possibly for rea...
by protagonist
Mon Dec 18, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Lenovo Yoga Book
Replies: 4
Views: 407

Lenovo Yoga Book

If anyone here has one, is it any good?
by protagonist
Mon Dec 18, 2017 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Availability of health care providers - how to factor this in a move?
Replies: 77
Views: 4041

Re: Availability of health care providers - how to factor this in a move?

Bend is not in a vacuum. Plus , given its appeal, I would imagine it has its share of decent physicians, who tend to want to live in nice places. Cancer rarely requires high level emergency care, and Portland is not very far if you needed to see a top specialist. My impression of Oregon is that it i...