Search found 1686 matches

by Caduceus
Sun Sep 23, 2018 11:09 am
Forum: Personal Consumer Issues
Topic: Minimalist Lifestyle
Replies: 65
Views: 6225

Re: Minimalist Lifestyle

As someone who's gone through the decluttering process, I would say that you have to go through the process over time if you are going to make a lifestyle change. One of the things that horrified me was just how much stuff I had bought without actually wanting/needing it. I must have donated 20 shir...
by Caduceus
Thu Sep 20, 2018 6:59 am
Forum: Personal Consumer Issues
Topic: Is there any info on old sim cards?
Replies: 8
Views: 728

Re: Is there any info on old sim cards?

Ahh, sorry, I think I wasn't clear in my original post. I'm not worried about other people accessing the information in my SIM cards. There's definitely nothing sensitive in there. What I meant was, is there a possibility that there are photos on it (from a long time ago) that I might actually want ...
by Caduceus
Thu Sep 20, 2018 2:24 am
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 220
Views: 14941

Re: What is your single most expensive mistake?

I bought $3000 of a penny stock that went to 0. :shock:

And then it became classified as a worthless security in the year that I didn't need the capital gains offset. So I couldn't even use it for tax purposes.
by Caduceus
Thu Sep 20, 2018 2:22 am
Forum: Personal Consumer Issues
Topic: Is there any info on old sim cards?
Replies: 8
Views: 728

Is there any info on old sim cards?

I have about 8 or 9 old sim cards that date from about 10-15 years ago. Will there be any information on the cards (especially photos) or can I toss them? Amazon is selling a sim card reader for $33 but if I can be sure that SIM cards don't store any photos or text messages, I don't care about old c...
by Caduceus
Tue Sep 18, 2018 7:36 am
Forum: Personal Consumer Issues
Topic: Prepaid SIM card with longest expiration dates
Replies: 4
Views: 343

Prepaid SIM card with longest expiration dates

Are there any prepaid SIM cards (meaning no contract) that have long expiration/validity dates? Ideally I would like to be able to put $20 on the prepaid card and then just not use it much. I need the number because downloading apps these days require a number for verification, but otherwise this wo...
by Caduceus
Tue Sep 18, 2018 7:31 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2182

Re: $180 IPhone SE or $90 Iphone 5S

Thanks! I decided to go with the SE since I managed to find a new one for $150.
by Caduceus
Mon Sep 17, 2018 10:53 am
Forum: Personal Consumer Issues
Topic: How to tell when a Mango is ripe?
Replies: 19
Views: 1207

Re: How to tell when a Mango is ripe?

Mangoes don't ripen well off the branch. The sweetness and texture of the mango depends on the variety, not so much on how ripe it is. Some varieties, no matter how ripe, just don't taste good. Look for the smaller yellow mangoes that look like a "comma". As for your question, ripe mangoes will "giv...
by Caduceus
Mon Sep 17, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: $180 IPhone SE or $90 Iphone 5S
Replies: 33
Views: 2182

$180 IPhone SE or $90 Iphone 5S

I need to get a cellphone in the next day. I have narrowed it down to two options: Option 1: $180 Brand New Factory Unlocked Iphone SE, 32 GB. Option 2: $90 Manufacturer Refurbished Iphone 5S, 16GB. Which one is a better value? I won't be using this phone much - it's going to be more like a backup p...
by Caduceus
Sun Sep 16, 2018 2:16 am
Forum: Personal Consumer Issues
Topic: Benefits/longevity of more expensive ($300+) mens dress shoes?
Replies: 73
Views: 8010

Re: Benefits/longevity of more expensive ($300+) mens dress shoes?

Try Allen Edmonds' Factory Seconds. These are shoes that are basically new but which have some kind of minor cosmetic blemish. I couldn't really see what was wrong with the ones I got. I bought mine a few years back for $160 or so, and they have lasted until with polishing and shoe trees. They are r...
by Caduceus
Sun Sep 16, 2018 1:54 am
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4935

Re: [Wearing] Shorts in Egypt

I was in Egypt for a month in both the north and south and I don't think you will have issues either way. Unrelated question: how much time do you feel is sufficient to spend at the Giza pyramids? We’re arriving in Cairo a full day early before our group tour begins and I’m wondering if we should m...
by Caduceus
Sat Sep 15, 2018 9:57 pm
Forum: Personal Consumer Issues
Topic: Should I sell my MacBook pro?
Replies: 18
Views: 1563

Re: Should I sell my MacBook pro?

Assuming you are able to wipe off all your personal information in a secure manner, why not? You have nothing to lose.
by Caduceus
Sat Sep 15, 2018 9:54 pm
Forum: Personal Consumer Issues
Topic: The twenty dollar rule revisited
Replies: 44
Views: 5051

Re: The twenty dollar rule revisited

I'm skeptical about budget-based systems because it simply takes too much cognitive effort. It's far simpler to just pay yourself first, set a very high target for savings, and then learn to live off the remainder. You can also set aside money for expenses that occur on an infrequent but recurring b...
by Caduceus
Sat Sep 15, 2018 8:36 pm
Forum: Personal Consumer Issues
Topic: [Wearing] Shorts in Egypt
Replies: 70
Views: 4935

Re: [Wearing] Shorts in Egypt

I was in Egypt for a month in both the north and south and I don't think you will have issues either way. Egyptians are used to tourists, and don't expect tourists to behave as locals do. I think some of the forum members here obviously haven't been to Egypt. If you were a woman, for example, the la...
by Caduceus
Fri Sep 14, 2018 1:20 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use Wechat?
Replies: 10
Views: 502

Re: Is it safe to use Wechat?

If I buy a cheap, used, older version of the Iphone (e.g. the Iphone SE) and install Wechat on it, I'm guessing that would be a solution, right?

Although it would be a hassle to monitor two phones.
by Caduceus
Fri Sep 14, 2018 12:53 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use Wechat?
Replies: 10
Views: 502

Re: Is it safe to use Wechat?

I think there is zero chance of getting them to use Whatsapp. Wechat is used by just about everyone in China to do things beyond messaging. They use it for chatting, for payments (people simply tap their Wechat on a counter to pay!), for cabs, for well, just about everything. I wouldn't mind if only...
by Caduceus
Fri Sep 14, 2018 12:07 pm
Forum: Personal Consumer Issues
Topic: Is it safe to use Wechat?
Replies: 10
Views: 502

Is it safe to use Wechat?

I am back from China and I made some good friends over there. It seems they all use Wechat over there, which is a messaging app that I've never heard of. But googling it online and reading some articles on it has left me concerned. It seems that there's zero privacy protections and the potential the...
by Caduceus
Thu Aug 30, 2018 2:40 am
Forum: Personal Consumer Issues
Topic: Your Best Mood Boosting Books (not self-help)
Replies: 29
Views: 2350

Re: Your Best Mood Boosting Books (not self-help)

You could try Mary Oliver's poems. Simple, full of nature and light. If you are feeling down, these poems really make a difference.
by Caduceus
Wed Aug 29, 2018 12:54 pm
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3240

Re: Just put $100K into TUR. Analysis inside

Every country has nationalized industries and certain times. https://en.wikipedia.org/wiki/List_of_nationalizations_by_country Phil Fisher analyzed hyperinflation; in all cases buying the index preserves 80% of your wealth. Germany had a stock market in the 1940s; it was just fine after the war. Th...
by Caduceus
Wed Aug 29, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: How do you save money on groceries?
Replies: 155
Views: 9723

Re: How do you save money on groceries?

Maybe you are spending more because you shop at Costco. It's not that counter-intuitive, because you have a small family and Costco really only works if you need massive amounts of anything. For me and my partner, there was a lot of waste when shopping at Costco because we ended up with lots of fres...
by Caduceus
Wed Aug 29, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: CASH option with Etrade?
Replies: 2
Views: 454

Re: CASH option with Etrade?

Depends on what you mean by safe. JUSXX has an expense ratio of 1%(!) whereas HTSXX has an expense ratio of 0.6%. Vanguard's short-term treasury fund has an expense ratio of 0.07%.

Both Etrade options suck.
by Caduceus
Wed Aug 29, 2018 11:43 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 31
Views: 2647

Re: Home Country Bias

There may be problems with home country bias, but I don't think they are correctly identified. The customary platitudes derive from modern portfolio theory, which look at the volatility and returns of variously constructed portfolios over various time periods, and then try to draw some type of concl...
by Caduceus
Wed Aug 29, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Just put $100K into TUR. Analysis inside
Replies: 71
Views: 3240

Re: Just put $100K into TUR. Analysis inside

Hey Bogleheads, Right now, Turkish shares are trading at an average of 4.5 P/E. This is dollar adjusted, LTM. There are many reasons for it, but many of the holdings are quality multinationals that do business outside of Turkey. What's my thesis? I looked at data back from 1968, and there are only ...
by Caduceus
Tue Aug 28, 2018 7:51 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8334

Re: Mega Downsize....

Personally I would not start with paperwork because that's probably the most time-consuming, annoying category and one that's not gratifying. It might take you a few hours just to go through one box of papers and all you've decided on is one lousy box. Things that will help you see yourself making p...
by Caduceus
Tue Aug 28, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28116

Re: What to do after losing $117k in stock market?

My brain keeps on telling me today to jump back in and try to win the money back. I feel sad and shameful knowing if I don't buy stocks again, then I have to accept this loss and give up on trying to win it back. But a part of me know the only way to move on and live a productive life is to admit I...
by Caduceus
Tue Aug 28, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: What to put in a care package for college student
Replies: 44
Views: 2703

Re: What to put in a care package for college student

I mentor a college kid and I am lazy so I usually just send him a digital gift card. I used to send him investing books, which he never read. If you want to be thoughtful, send him something you know he will really like as a gift. I got mine a subscription to a game he had been itching to play.
by Caduceus
Tue Aug 28, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Playing with Callan's periodic tables of investment returns
Replies: 81
Views: 6645

Re: Playing with Callan's periodic tables of investment returns

These kinds of tables are meaningless because two finance folks looking at the same company may well assign them to different categories. I was reading the financial statements of a small-cap firm the other day. By any metric, it would be a "value" stock - low p/b ratio, low p/e ratio. But because t...
by Caduceus
Tue Aug 28, 2018 5:54 pm
Forum: Personal Consumer Issues
Topic: Ladies: bra shopping question
Replies: 63
Views: 8624

Re: Ladies: bra shopping question

I had no idea bras came in so many size permutations. It's interesting they don't do that for men's briefs and boxerbriefs too to account for differences.
by Caduceus
Tue Aug 28, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8334

Re: Mega Downsize....

More interested in how'd you find the time to accomplish this feat? Hire someone to help? It's a slow, gradual process that took several years (and is still ongoing to a lesser degree). I not only downsized my stuff, but also downsized my time commitments by figuring out what activities were worthy...
by Caduceus
Tue Aug 28, 2018 2:25 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5369

Re: How to repel wild dogs?

mrc wrote:
Tue Aug 28, 2018 2:24 pm
Caduceus wrote:
Tue Aug 28, 2018 1:32 pm
Nate79 wrote:
Tue Aug 28, 2018 12:06 pm


I'm curious where you are going. Can you tell us?
China
A knife and fork should scare 'em off.
!!!!!!! I didn't get it at first, but now that I do I'm not sure whether to laugh or cry.
by Caduceus
Tue Aug 28, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8334

Re: Mega Downsize....

I forgot to add. Some questions that were really helpful for me in this process were: Keep asking yourself if you would buy the same item again today if it was offered to you. I was quite surprised at how many items I had in my house that I thought I wanted that the answer was a huge NO! And yes, yo...
by Caduceus
Tue Aug 28, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Mega Downsize....
Replies: 91
Views: 8334

Re: Mega Downsize....

I am at the tail end of the process and here's some advice. Discarding is the key. Don't just move things from one drawer to another. You need to move things OUT of the house. Sort by category and be very ruthless. I would start with clothes first because for most people, there aren't any sentimenta...
by Caduceus
Tue Aug 28, 2018 1:48 pm
Forum: Personal Consumer Issues
Topic: Planning for an Indian wedding In NY/ NH area.
Replies: 96
Views: 5467

Re: Planning for an Indian wedding In NY/ NH area.

Seems like too many moving parts and complications. Why not the two of you with your families settle on an overall sum you both can live with, and then you decide how to allocate? Otherwise you will probably end up skimping a little here and a little there but still find out the numbers are ginormous.
by Caduceus
Tue Aug 28, 2018 1:45 pm
Forum: Personal Consumer Issues
Topic: Body language coach?
Replies: 26
Views: 2884

Re: Body language coach?

I don't think these things can be taught, but you can practice. I interacted with a lot of introverted/awkward/geeky folks in graduate school and I've come to the conclusion that you can't suddenly become an interesting conversationalist if that's not who you are. You'll become an interesting person...
by Caduceus
Tue Aug 28, 2018 1:32 pm
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5369

Re: How to repel wild dogs?

I am going to be traipsing through highly rural areas on a two-week long trip. I have previously had two bad experiences being stalked/chased by aggressive wild dogs and am wondering if there's anything I can buy/use to guard myself and my boyfriend. For those of you with more experience, what do y...
by Caduceus
Tue Aug 28, 2018 11:19 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5369

Re: How to repel wild dogs?

Looks like bear spray it is. But according to the TSA it is not allowed on either carry-on or checked in. https://www.tsa.gov/travel/security-screening/whatcanibring/items/bear-spray It is kinda reassuring though. Dangerous enough to not be allowed to be brought on flight. Must be good against wild ...
by Caduceus
Tue Aug 28, 2018 3:01 am
Forum: Personal Consumer Issues
Topic: How to repel wild dogs?
Replies: 65
Views: 5369

How to repel wild dogs?

I am going to be traipsing through highly rural areas on a two-week long trip. I have previously had two bad experiences being stalked/chased by aggressive wild dogs and am wondering if there's anything I can buy/use to guard myself and my boyfriend. For those of you with more experience, what do yo...
by Caduceus
Sun Aug 26, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Repair trumpet now or later?
Replies: 4
Views: 354

Repair trumpet now or later?

I was given a vintage Olds trumpet by my grandfather a long time ago and it has just been sitting in the case. It's lost its shine, and the insides may be a little coroded as well, but otherwise it seems OK to me. The cost of cleaning/repairing it by one of the world's best craftsman is about $500, ...
by Caduceus
Sun Aug 26, 2018 1:50 am
Forum: Investing - Help with Personal Investments
Topic: Do I have to keep track of contributions?
Replies: 29
Views: 2123

Re: Do I have to keep track of contributions?

You should keep track of your contributions as part of your general tax documentation. One way to do it is to start a tax folder for each year, e.g. "Tax 2017," "Tax 2018" and then every time you make a transaction that has a potential tax impact, you document it in that folder. You should save all ...
by Caduceus
Fri Aug 24, 2018 2:06 am
Forum: Personal Consumer Issues
Topic: Reversing credit card charge for short-term vacation rental gone awry
Replies: 26
Views: 1627

Re: Reversing credit card charge for short-term vacation rental gone awry

Did you take photos as documentation? If so, you could tell the rental agency that you will publicize the matter on travel blogs and other review sites and also file a formal complaint to the relevant consumer protection agency that investigates such matters. Post the photos on their official public...
by Caduceus
Thu Aug 23, 2018 5:38 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10393

Re: I own 1,387 items!

As I'm about to move to Philly, i had to hire moving companies. Counting boxes really took the cake, so to speak, and they estimated 5500 lbs for me alone :oops: Small boxes are size of wine boxes (for 12x750 mL bottles): 35 Medium boxes ~ 20x15x9 or size of boxes for reams of paper: 12 Large plast...
by Caduceus
Wed Aug 22, 2018 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: New here, is this my best option?
Replies: 6
Views: 413

Re: New here, is this my best option?

You have received a great deal of bad advice in this thread. Advice that would be reasonable were you to remain in the United States is not the same as in your case - it seems that you are fairly certain that you want to retire in a different country. If you wish to move permanently to a different c...
by Caduceus
Wed Aug 22, 2018 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4865

Re: Is this a good time to invest as stock market is all time high?

^I see what you mean, but it's interesting to place Buffett's comments in context. For value investors like him, he's always been adamant that you do not try to time the market if you have identified a good business. He's mentioned many times that if you have found a good and undervalued business, i...
by Caduceus
Wed Aug 22, 2018 1:53 pm
Forum: Investing - Help with Personal Investments
Topic: Is this a good time to invest as stock market is all time high?
Replies: 46
Views: 4865

Re: Is this a good time to invest as stock market is all time high?

I was reading some of Warren Buffett's BRK transcripts and I did not realize that his recommendation is that index fund investors average into the market. Someone asked him this question, and he said that for those who are pursuing a passive index fund strategy, it is much better to spread out your ...
by Caduceus
Wed Aug 22, 2018 1:44 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10393

Re: I own 1,387 items!

I'd be surprised if the kitchen alone is under 1000 items. 12xlarge/small plates, bowls, cups, wine glasses, knife 2x forks, 2x spoons plus all of the other normal stuff. 12 x 10 categories (bowls, cups, plates, etc.) is only 120 items. Enough to throw a large dinner party. Say you have 30 applianc...
by Caduceus
Wed Aug 22, 2018 1:37 pm
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10393

Re: I own 1,387 items!

I don't think I would have had the motivation to actually count the items I had if I weren't moving into a new place and unpacking. Because of this context, as I mentioned in the original post, the counting was a natural part of the process. I had already started a partial spreadsheet to track the i...
by Caduceus
Wed Aug 22, 2018 3:17 am
Forum: Personal Consumer Issues
Topic: I own 1,387 items!
Replies: 128
Views: 10393

I own 1,387 items!

I finally had the chance to do some unpacking after moving to my new place and was a little shocked at the number. I did some reasonable right-sizing for counting purposes. So, a bunch of keys on one keyring counts as one item. But ten t-shirts do count as ten items. For papers, I counted every 3-in...
by Caduceus
Thu Aug 02, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Learning How to Value Invest
Replies: 15
Views: 1422

Re: Learning How to Value Invest

I would start with Ben Graham's The Intelligent Investor, before moving on to Buffett's shareholder letters (read all of them from the first to the last). After you have finished these, read the transcript of the Berkshire Hathaway annual meetings - it will be better than any theoretical business ed...
by Caduceus
Thu Aug 02, 2018 7:15 am
Forum: Personal Consumer Issues
Topic: Will using silica gel over-dry books?
Replies: 4
Views: 351

Re: Will using silica gel over-dry books?

I doubt it. But won't it depend on the weight (mass) of the silica gel. I will assume that dry silica gel can only absorb a maximum number of water molecules, so a maximum amount of water per unit weight. You can probably calculate how much water you want to absorb in the enclosure you hold your bo...
by Caduceus
Thu Aug 02, 2018 7:09 am
Forum: Investing - Theory, News & General
Topic: Hold one stock 25 years
Replies: 68
Views: 6344

Re: Hold one stock 25 years

It would be a stock with high returns on equity, the ability to continue deploying earnings at these high rates of return on equity, and with a boring and sustainable business model.
by Caduceus
Thu Aug 02, 2018 7:01 am
Forum: Personal Consumer Issues
Topic: Will using silica gel over-dry books?
Replies: 4
Views: 351

Will using silica gel over-dry books?

I live in a humid climate at least some parts of the year and was thinking of tossing some silica gel packets into some airtight plastic bins to store a couple of rare books I own. It is surprisingly hard to find an answer on the internet, but will silica gel simply maintain an equilibrium of moistu...