Search found 5419 matches

by protagonist
Tue Dec 11, 2018 8:32 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

That HDR screen has excellent brightness and beautiful colors, but it is very reflective. Note that the easiest way to minimize the distraction of the reflections is to...turn up the brightness. If you will be using it primarily in a fixed location indoors where you will not have lighting behind yo...
by protagonist
Tue Dec 11, 2018 6:58 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

Thank you, Bryann and 02nz! Your answers were very helpful. The hi-res screen cost differential is relatively small, so I think I will go for it. But that leads me to another question: I called Lenovo, and the poster above who stated that the screen is not matte is correct. They use some kind of ant...
by protagonist
Tue Dec 11, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

I have terribly dry eyes when using computers too, unfortunately it's my job (IT) so I can't reduce screen time by much. I use a lot of drops and have a small humidifier near my screen, but haven't thought of coatings on my glasses or doing anything with my monitors. I don't see any glare on my mon...
by protagonist
Tue Dec 11, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

OP here. I appreciate all the comments above, some of which are quite helpful. That said, I would like to get back on track, as the answer to my question will dictate which display to buy and I would like to make the purchase ASAP (the sale will not last). The information on the internet regarding t...
by protagonist
Tue Dec 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

If all of those options have Lenovo's famous mirror-reflective glass coating, I'd say 'none of the above' and look for another model, say the X1 Carbon, with a matte screen. Good thought....I think , however, that the X1 Yoga and X1 Carbon have essentially the same screen. It is described as "non-r...
by protagonist
Tue Dec 11, 2018 12:33 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

Re: dry eyes- optimal laptop screen resolution to reduce eye strain

quantAndHold wrote:
Tue Dec 11, 2018 12:27 pm
Do you have a desk that you could put a large monitor on? Then it wouldn’t matter which laptop you got.
Yes, but from time to time I will be using the laptop without an external monitor.
by protagonist
Tue Dec 11, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: dry eyes- optimal laptop screen resolution to reduce eye strain
Replies: 23
Views: 830

dry eyes- optimal laptop screen resolution to reduce eye strain

I suffer from dry eyes, and I need reading glasses (approx.+2.5-3.0 strength). I am thinking of buying a Lenovo X1 Yoga laptop (14" display, 3d Gen.), which is offered in 3 display configurations: 1. FHD (1920 x 1080), 270 nits 2. WQHD (2560 x 1440), 270 nits 3. HDR WQHD (2560 x 1440), 500 nits with...
by protagonist
Sun Dec 09, 2018 2:30 pm
Forum: Investing - Help with Personal Investments
Topic: 0% Long Term Capital Gain rate?
Replies: 13
Views: 1521

Re: 0% Long Term Capital Gain rate?

Hypothetically, if you sold stock with 75K LT capital gains, and had 75K in LT carryover losses, would the net effect be that you would just lose your carryover losses (since 0% capital gains rate would not kick in until you burned through your carryover losses)? And if you had 150K LT capital gains...
by protagonist
Fri Dec 07, 2018 9:48 am
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12123

Re: The S&P 500 Goes Supernova

A crucial point: If you are retired, living within your means, and you are happy with your lifestyle, the amount of work and/or risk it will take to make more money is not likely to buy you much (if any) more happiness, but the process could cause you a lot of anxiety. If I luck out and double or tr...
by protagonist
Thu Dec 06, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12123

Re: The S&P 500 Goes Supernova

As a retiree my main concern is keeping up with inflation. That is arguably the biggest issue that investors must face on an ongoing basis. And the only 'guarantee' to deal with it is TIPS, but TIPS do not always offer a positive real return as many wrongly believe that they do. But at least you kn...
by protagonist
Thu Dec 06, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12123

Re: The S&P 500 Goes Supernova

I'm not predicting gloom and doom. I'm merely stating that we don't have enough information to make predictions going out decades. We guess what will happen based on our knowledge of the past. Which is fine, but we should be humble enough to admit that the science is not there....we are guessing. I...
by protagonist
Thu Dec 06, 2018 12:06 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12123

Re: The S&P 500 Goes Supernova

What happened to "past performance does not predict future returns" ?? I think what happened between January 1926 and October 2018 is irrelevant to what will happen in the decades to come...there is no good scientific theory or evidence to suggest it is relevant. And the longer the horizon, the gre...
by protagonist
Thu Dec 06, 2018 12:50 am
Forum: Investing - Help with Personal Investments
Topic: 58 y/o nearing retirement - looking at economic/stock market indicators
Replies: 34
Views: 4705

Re: 58 y/o nearing retirement - looking at economic/stock market indicators

Stock market is high. CAPE ratios high. Unemployment is at 10 year low. Housing near a bubble. Recession on the horizon in a year or so. Most experts predicting much lower stock market returns over the next ten years. Seems like a lot of risk and very little reward to be in the stockmarket over the...
by protagonist
Thu Dec 06, 2018 12:41 am
Forum: Personal Consumer Issues
Topic: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate
Replies: 19
Views: 1467

Re: 2019-Toyota Camry Hybrid XLE /w JBL,Driver Assist - Negotiate

There are some very good threads in this forum regarding optimal negotiation strategies in buying a new car. I have used them quite successfully. I suggest that you search for them , if you have not yet finalized your deal. They really worked for me. And if you have finalized your deal, I wish you l...
by protagonist
Thu Dec 06, 2018 12:30 am
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 85
Views: 12123

Re: The S&P 500 Goes Supernova

What happened to "past performance does not predict future returns" ?? I think what happened between January 1926 and October 2018 is irrelevant to what will happen in the decades to come...there is no good scientific theory or evidence to suggest it is relevant. And the longer the horizon, the grea...
by protagonist
Wed Dec 05, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: Travel now & work a bit longer, OR the other way around?
Replies: 38
Views: 2864

Re: Travel now & work a bit longer, OR the other way around?

We have big travel plans that could delay retirement a few years. Should we travel now when we know we are healthy, capable, and can enjoy time with the kids? Curious to hear others' thoughts on this matter. I'm 45, DW is 47. Kids 10 & 12. Could have a modest retirement at 50. Travel plans could de...
by protagonist
Tue Dec 04, 2018 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: NYT Article: The Myth of Steady Retirement Spending
Replies: 50
Views: 6923

Re: NYT Article: The Myth of Steady Retirement Spending

My thoughts upon reading this: 1. It is in the financial interest of financial advisors to maximize the potential desperate financial needs of their clients going forward and their potential fears of running out of money. 2. I never bothered calculating what percentage of my nest egg I spend annuall...
by protagonist
Tue Dec 04, 2018 3:44 pm
Forum: Personal Consumer Issues
Topic: Want to do non-religious, short-term medical volunteer work outside the US
Replies: 13
Views: 1721

Re: Want to do non-religious, short-term medical volunteer work outside the US

My brother is a physician. He wants to volunteer for a short-term period (? one week) outside the U.S. in a medical capacity along with his college student daughter. The daughter wants to fluff up her resume in anticipation of medical school applications. (She also wants to do good, so there is som...
by protagonist
Tue Dec 04, 2018 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: Trade-off: stability for money
Replies: 8
Views: 689

Re: Trade-off: stability for money

I am thankful for the time I spent there, and my net worth went up around $300k. However, there comes a certain point where the money doesn't mean as much anymore. Best of luck to you. Oilrig's point is a critical point that people often miss. The lifestyle benefit of , say, an additional $20K if y...
by protagonist
Mon Dec 03, 2018 9:26 pm
Forum: Investing - Theory, News & General
Topic: Big endowments don't beat simple 60/40 over 10 yrs.
Replies: 25
Views: 3177

Re: Big endowments don't beat simple 60/40 over 10 yrs.

Indeed. In 2009, Harvard had to cut out hot breakfasts in the dining halls in the student houses and almost a decade later students still don´t have hot breakfasts available. (Yes, admittedly only 30% of students actually made it to breakfast, but those that do include quite a lot of national and i...
by protagonist
Sun Dec 02, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1869

Re: Travel To Cuba - Tips

In addition to what Protagonist listed, I would add: (1) Fabrica de Arte Cubano (great art and live event space, with much more), (2) Dona Eutemia for the Ropa Vieja, (3) La Guarida for great food in a really neat building, with a nice rooftop bar. The latter two require reservations, which you can...
by protagonist
Sun Dec 02, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Rent v. buy in NYC
Replies: 34
Views: 3517

Re: Rent v. buy in NYC

I grew up here in NYC (five decades) and seen the different changes in real estate prices, therefore the prices will always keep up, in my opinion you never loose money, the scarcity of land will make it worth purchasing. If this inflation-adjusted graph is accurate, that is not the case for the NY...
by protagonist
Sun Dec 02, 2018 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18287

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

I bought Premium for $46.50 on Nov 21 on Amazon. Saw Amazon was selling it for $32.50 on Nov 23. I called Amazon to see if they would reimburse the $14 difference. Not a chance. Did you maybe use a credit card with price protection? Good thought. Maybe I did. That said, the amount of time and energ...
by protagonist
Tue Nov 27, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Rent v. buy in NYC
Replies: 34
Views: 3517

Re: Rent v. buy in NYC

Real estate prices have been declining in NYC....7% lower than a year ago.
So I guess one question, unanswerable, is whether you think they have reached stratospheric and unaffordable levels and will continue their decline or whether it is a buyer's market.
by protagonist
Tue Nov 27, 2018 2:04 pm
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1869

Re: Travel To Cuba - Tips

In addition to what Protagonist listed, I would add: (1) Fabrica de Arte Cubano (great art and live event space, with much more), (2) Dona Eutemia for the Ropa Vieja, (3) La Guarida for great food in a really neat building, with a nice rooftop bar. The latter two require reservations, which you can...
by protagonist
Mon Nov 26, 2018 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: 23 years old 40K saved. What would you do?
Replies: 39
Views: 3330

Re: 23 years old 40K saved. What would you do?

You are right about not worrying, I just like to be proactive and see if there is anything else I could be doing, like opening a taxable account?? Perhaps that will have to wait. Being proactive is good to a point and I am not discouraging. You are probably working your butt off in grad school. You...
by protagonist
Mon Nov 26, 2018 10:15 pm
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1869

Re: Travel To Cuba - Tips

By the way I am not familiar with the new travel restrictions. To travel legally from the US is it now necessary to go with an organized tour group?
by protagonist
Mon Nov 26, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Travel To Cuba - Tips
Replies: 17
Views: 1869

Re: Travel To Cuba - Tips

I have been to Cuba about 6 times between 2009 and 2016. I would rather avoid getting into the contentious discussions above regarding Cuban culture, at least here on Bogleheads. I can tell you that there are many paradoxes and surprises. If you are an open-minded "traveler" type who is not prone to...
by protagonist
Mon Nov 26, 2018 9:42 pm
Forum: Personal Finance (Not Investing)
Topic: 23 years old 40K saved. What would you do?
Replies: 39
Views: 3330

Re: 23 years old 40K saved. What would you do?

Advice: While in school, enjoy your life but stay out of debt. As far as your parents' mortgage, you are living in their home. It is up to them to tell you what (if anything) they expect you to pay. Then it is up to you to decide whether or not it is worth it. If you saved that much already, and jud...
by protagonist
Mon Nov 26, 2018 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18287

Re: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale

I bought Premium for $46.50 on Nov 21 on Amazon.
Saw Amazon was selling it for $32.50 on Nov 23.
I called Amazon to see if they would reimburse the $14 difference.
Not a chance.
by protagonist
Wed Nov 21, 2018 4:23 pm
Forum: Personal Consumer Issues
Topic: When is Too Long to Return a Hair Dryer to Costco?
Replies: 73
Views: 4923

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

My Revlon hair dryer costs under $10. I've had mine for over 5 years with no issues. I keep it plugged in next to the bed....perfect bed warmer (2 min when getting into bed...I do it nightly....do mattress, sheets and cold parts of body- way better than a hot water bottle or electric blanket). I've ...
by protagonist
Wed Nov 21, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: Budget Laptops
Replies: 17
Views: 1974

Re: Budget Laptops

Don't worry about the small SSD if it takes an SD card. They are cheap and you can expand your storage. Whether or not it has a slot for an SD card would be an issue for me. Maybe not for you if you don't store videos or a lot of music locally.
by protagonist
Wed Nov 21, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18287

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Is $46.50 a good deal for H+R Block Premium? That is the price on Amazon. https://www.amazon.com/Block-Software-Premium-Refund-Download/dp/B07HJ18LXW/ref=sr_1_2?s=software&ie=UTF8&qid=1542759047&sr=1-2&keywords=h%2Br+block+2018++premium Possible glitch....I don't see anything on the Amazon page tha...
by protagonist
Tue Nov 20, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block 2018 Tax Software Deluxe $18.00 - Black Friday sale
Replies: 257
Views: 18287

Re: H&R Block 2018 Tax Software Deluxe Federal + State $29.95

Is $46.50 a good deal for H+R Block Premium? That is the price on Amazon. https://www.amazon.com/Block-Software-Premium-Refund-Download/dp/B07HJ18LXW/ref=sr_1_2?s=software&ie=UTF8&qid=1542759047&sr=1-2&keywords=h%2Br+block+2018++premium Possible glitch....I don't see anything on the Amazon page that...
by protagonist
Thu Nov 15, 2018 4:44 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1932

Re: What convenience fees does your city charge for credit card use?

FlyAF wrote:
Thu Nov 15, 2018 4:41 pm
My city water utility charges $2.00 per transaction. I pay by check now that they've implemented it. :annoyed
$2 per credit card transaction regardless of the amount due?
by protagonist
Thu Nov 15, 2018 4:40 pm
Forum: Investing - Theory, News & General
Topic: Why don't I read about this strategy more? [12-month moving average, momentum]
Replies: 94
Views: 13113

Re: Why don't I read about this strategy more? It seems reasonable and pretty straight forward.

Think about the amount of time and energy you will spend timing the market, and what more fun things you could be doing with your time. Then ask yourself: "Do I really think I will make more money this way without assuming more risk? And if I do assume more risk, is it worth it to me?" If you are co...
by protagonist
Thu Nov 15, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4578

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Zillow etc. will give you a vague idea. Meet with three of the best realtors in your area and interview them. You are under no obligation- when interviewing realtors most will do a comparative analysis free of charge in hopes of getting your business. They will also probably walk through your home ...
by protagonist
Thu Nov 15, 2018 4:21 pm
Forum: Personal Consumer Issues
Topic: What convenience fees does your city charge for credit card use?
Replies: 40
Views: 1932

What convenience fees does your city charge for credit card use?

My city uses a third party (Unipay) to process credit card transactions for real estate tax, utility bills, parking tickets, etc. Unipay charges usurious "convenience fees"- often 10-25% of the total bill and sometimes even more. I imagine the city sees none of that, on top of which Unipay gets to m...
by protagonist
Thu Nov 15, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Accuracy of Zillow/Trulia/Redfin Estimates
Replies: 51
Views: 4578

Re: Accuracy of Zillow/Trulia/Redfin Estimates

Zillow etc. will give you a vague idea. Meet with three of the best realtors in your area and interview them. You are under no obligation- when interviewing realtors most will do a comparative analysis free of charge in hopes of getting your business. They will also probably walk through your home w...
by protagonist
Thu Nov 15, 2018 9:19 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4471

Re: Does Early Retirement Make You Live Longer?

I am waiting for a study correlating having a TV and mortality. My hypothesis is that TV shortens life. Victoria Probably...chronic TV watchers are probably more sedentary. Also people with chronic debilitating (and potentially life-threatening) illness that forces them to be inactive probably watc...
by protagonist
Thu Nov 15, 2018 9:09 am
Forum: Investing - Theory, News & General
Topic: Does Early Retirement Make You Live Longer?
Replies: 70
Views: 4471

Re: Does Early Retirement Make You Live Longer?

There is nothing fascinating about this, since correlation does not imply causation. There are many coexisting factors that could easily explain the trend if real (see my comment below about this). One simple one.... Wealthier people live much longer than poorer people, and wealthier people are able...
by protagonist
Tue Nov 13, 2018 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: Selling I Bonds/Buying New I Bonds?
Replies: 9
Views: 1287

Re: Sell old I-bonds to buy new ones?

Does it make sense to sell I-bonds purchased in April 2012 (0%) to buy new I-bonds at 0.5%, rather than just buying more I bonds this year? And if I do would I have to pay tax on the sale, or can I just "flip" them? Thanks in advance. It sounds like you have the money to buy more, so that's what I'...
by protagonist
Tue Nov 13, 2018 12:20 pm
Forum: Personal Consumer Issues
Topic: Free half price mass transit card NYC for seniors
Replies: 2
Views: 539

Free half price mass transit card NYC for seniors

Those of you who live in NYC, I am sure, know about this.
But those who go there often (as I do) may not.....
Another advantage is you can have the fare automatically charged to a credit card so you don't have to reload your Metrocard
http://web.mta.info/nyct/fare/rfindex.htm
by protagonist
Tue Nov 13, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Finances in NYC
Replies: 95
Views: 8178

Re: Finances in NYC

A bigger question to ask yourself is do you want to live in Manhattan (people love it or hate it), and how much will you like your job compared to what you are doing now?

Make money, but don't let money make you. Be happy.
by protagonist
Tue Nov 13, 2018 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Selling I Bonds/Buying New I Bonds?
Replies: 9
Views: 1287

Sell old I-bonds to buy new ones?

[Thread merged into here, see below. --admin LadyGeek]

Does it make sense to sell I-bonds purchased in April 2012 (0%) to buy new I-bonds at 0.5%, rather than just buying more I bonds this year?
And if I do would I have to pay tax on the sale, or can I just "flip" them?
Thanks in advance.
by protagonist
Tue Nov 13, 2018 11:53 am
Forum: Investing - Help with Personal Investments
Topic: I-bonds vs TIPS
Replies: 3
Views: 639

Re: I-bonds vs TIPS

I-bonds in taxable (susceptible to purchase limit)
TIPS in tax-deferred, but only if you are sure you can hold them to maturity.
by protagonist
Tue Nov 06, 2018 3:44 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10725

Re: This man can predict when bubbles burst: time to time the market?

In The Book of Predictions by David Wallechinsky et al, published in 1981 (one of my favorite books...), Andrew Greeley, Professor of Sociology at the Univ. of Arizona, predicted that by 1990: "The Communist government of the Soviet Union will be overthrown...likely by a social democratic faction wi...
by protagonist
Tue Nov 06, 2018 3:25 pm
Forum: Investing - Theory, News & General
Topic: This man can predict when bubbles burst: time to time the market?
Replies: 145
Views: 10725

Re: This man can predict when bubbles burst: time to time the market?

I haven't had time to fully study his methodology, but I see from his Wikipedia page that he also is into earthquake forecasting etc. If I wasn't initially skeptical, I sure am now. Given the difference between what causes a financial bubble to pop and what causes an earthquake, such claims raise t...
by protagonist
Tue Nov 06, 2018 11:50 am
Forum: Investing - Theory, News & General
Topic: Thoughts on 5 year TIPS bonds?
Replies: 42
Views: 3652

Re: Thoughts on 5 year TIPS bonds?

Protagonist I agree that 5 year money TIPS are a great choice in retirement. Even though historical real rates have been better then 1% these rates are a decent certainty. But a retiree needs to think about their spending requirements for each year going forward. In my case I have to take RMD's eac...