Search found 502 matches

by shelanman
Tue Nov 05, 2019 11:25 pm
Forum: Investing - Theory, News & General
Topic: Robinhood, Heading for a Trainwreck?
Replies: 41
Views: 5400

Re: Robinhood, Heading for a Trainwreck?

In this case it is the other way around (investors lost Robinhood money.) No, they lost their own money. They just borrowed it from Robinhood. If you did a cash out refinance of your home, then went to Vegas and gambled it all away, would you say you had "lost the mortgage company's money"? The cor...
by shelanman
Tue Nov 05, 2019 11:19 pm
Forum: Personal Consumer Issues
Topic: For those who fly often
Replies: 14
Views: 3258

Re: For those who fly often

I love that in these threads someone is always talking about business class. Don't get me wrong, international business class is really awesome. I've flown it a few times. Never because I've spent my own money (though often because I've spent my own *points*). But, especially with how dirt cheap mis...
by shelanman
Sun Nov 03, 2019 2:10 am
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 241
Views: 28711

Re: You get hacked, lost a lot of money. What can you do?

sd323232 wrote:
Sun Nov 03, 2019 1:40 am
i use google authenticator, it is much more secure than text verification
How did you set up Vanguard to use Google Authenticator?
by shelanman
Wed Oct 30, 2019 1:18 pm
Forum: Personal Consumer Issues
Topic: New Computer with or without SSD?
Replies: 78
Views: 4301

Re: New Computer with or without SSD?

With the end of support for Windows 7 coming in January What support do you need? I've had my Windows 7 computer for 3 years and have never contacted Windows support. On the contrary, I get calls from Microsoft support all the time. The support needed are security update patches. I would not want t...
by shelanman
Mon Oct 28, 2019 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: What would you tell your twenty something...
Replies: 2
Views: 754

Re: What would you tell your twenty something...

I don't know if it's because I did things so right the first time, or just that I'm not sufficiently good at self-reflection, but I have no idea what (realistic) advice I would give my younger self.
by shelanman
Wed Oct 09, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: travel agent for cruise and discounting
Replies: 8
Views: 701

Re: travel agent for cruise and discounting

In my experience, virtually everybody has the same cruise prices. The only travel agency I've encountered that can (sometimes) actually offer a lower price (presumably by keeping less commission) is Costco's. So, if you have a membership, you can price something out with them and see if it is any be...
by shelanman
Sat Aug 24, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: GDP affect on Dow and S&P
Replies: 15
Views: 1026

Re: GDP affect on Dow and S&P

Fundamentally, the market value of the stock market is the discounted future earnings of public companies. GDP is one of the variables, but not the only one. The S&P's fundamental value (note, I did not say "price" or "market value") could change if: Future GDP changes. (Less economic activity = les...
by shelanman
Mon Jul 08, 2019 10:49 pm
Forum: US Chapters
Topic: New Orange County, CA Local Chapter established
Replies: 70
Views: 7346

Re: Orange County, CA chapter?

I'm not really sure what a local chapter does, but the idea sounds cool to me.
by shelanman
Thu Jul 04, 2019 11:55 pm
Forum: Investing - Theory, News & General
Topic: Good times: 2008 vs Now
Replies: 145
Views: 15699

Re: Good times: 2008 vs Now

I like to watch the little things shoppers do or don't do and how it changes over time. A silly thing is shopping at Aldi's, for those who don't know if you want a shopping cart you need a quarter to insert into the cart slot to release it from the other carts by a chain lock. You get the quarter b...
by shelanman
Fri Apr 19, 2019 12:57 am
Forum: Personal Consumer Issues
Topic: AC went kaput, Sketchy quotes. Time to think Geothermal?
Replies: 19
Views: 2383

Re: AC went kaput, Sketchy quotes. Time to think Geothermal?

So I turn on my AC for the first time yesterday after 2 months and AC didn't work. I called a HVAC mechanic and he told me that the coolant is all leaked and the fan is blown and since my unit is nearly 20 years old (uses R22 coolant apparently which is 'not available anymore' according to him :?: ...
by shelanman
Fri Apr 19, 2019 12:40 am
Forum: Personal Consumer Issues
Topic: Garage Door Opener Replacement
Replies: 28
Views: 2336

Re: Garage Door Opener Replacement

How long does a job like this take (removing the old opener and installing a new one)? Replacing the opener takes an hour or two. I had my opener replaced about 2 years ago. I bought a top-of-the line ultra-quiet belt drive with back-up battery (so the door will open when the power is out) and wi-f...
by shelanman
Wed Apr 17, 2019 10:21 am
Forum: Personal Consumer Issues
Topic: seriously thinking about leaving S. CA but where to?
Replies: 177
Views: 11314

Re: seriously thinking about leaving S. CA but where to?

Indeed. There are a lot of countries in the O.C. and the demos are changing rapidly. I work there occasionally, would never want to live there. But if you did some more exploration in your own backyard you might find something more appealing. Or it might just be as simple as throwing out your TV. N...
by shelanman
Sun Apr 07, 2019 10:37 am
Forum: Personal Finance (Not Investing)
Topic: It Didn't Rain!
Replies: 9
Views: 2274

Re: It Didn't Rain!

Even if it was, you may have failed to notice the predictions change as the predicted time drew near. That happens all the time as conditions change and is not unusual at all; it should be expected to happen. It is a funny definition of "100% chance" that means that it might happen, for now, unless...
by shelanman
Thu Apr 04, 2019 1:17 am
Forum: Personal Finance (Not Investing)
Topic: IRS notice 3/22/2019: for 2018 taxes, no penalty if 80% of tax shown on return was withheld or est taxes paid
Replies: 13
Views: 2405

Re: IRS notice 3/22/2019: for 2018 taxes, no penalty if 80% of tax shown on return was withheld or est taxes paid

Don't you just know it...

...I reran my numbers yesterday, but I was at 79.68%, so, in the words of the great Willy Wonka, I get Nothing! I Lose!
by shelanman
Sat Mar 09, 2019 11:59 pm
Forum: Personal Investments
Topic: Your experience with Ally Raise Your Rate CD
Replies: 4
Views: 897

Re: Your experience with Ally Raise Your Rate CD

I've also found that, as rates overall have risen, Ally raised theirs both more slowly and also more unevenly than the market. Thanks for sharing your experience. By the above, are you referring to all their rates or the Raise Your Rate CD? That's my concern, that they don't have much incentive to ...
by shelanman
Sat Mar 09, 2019 8:02 pm
Forum: Personal Investments
Topic: Your experience with Ally Raise Your Rate CD
Replies: 4
Views: 897

Re: Your experience with Ally Raise Your Rate CD

I slowly assembled a ladder of these CDs a couple of years ago, and am currently in the process of disassembling it (by letting the CDs mature out), and reassembling the ladder using brokered CDs elsewhere. When I started, about 4 years ago, the rate was 1.3%. By the time the first CD matured (2 yea...
by shelanman
Wed Mar 06, 2019 11:54 am
Forum: Personal Consumer Issues
Topic: First “financial” thing you do in the morning
Replies: 80
Views: 6087

Re: First “financial” thing you do in the morning

I'll admit to watching CNBC in the morning, but mainly for entertainment purposes. I would say I only do "financial" things about 3 or 4 days each month. I used to like watching CNBC in the background of getting ready for work. It's a nice mix of financialist entertainment with a light sprinting of...
by shelanman
Sun Mar 03, 2019 2:42 am
Forum: Personal Consumer Issues
Topic: Thinking of Buying a Watch - Recommendations?
Replies: 74
Views: 5312

Re: Thinking of Buying a Watch - Recommendations?

You can’t go wrong with a Citizen Eco-Drive. I also have a Citizen Eco-Drive. I really like it. It looks classy without having cost a fortune, and so long as I wear it every day (or store it somewhere well lit), the battery basically never runs dry. Lots of stores show them, but Amazon has really g...
by shelanman
Thu Feb 28, 2019 2:28 am
Forum: Personal Consumer Issues
Topic: Things to do in and around San Diego
Replies: 33
Views: 1914

Re: Things to do in and around San Diego

YES, definitely to the suggestions of: San Diego Zoo, USS Midway, and the La Jolla cove. I'm not sure about your 5-year-old (can (s)he swim?), but in La Jolla, you can get really cool Kayak tours of the sea caves. Both tour companies that I've seen offer 2-person Kayaks, so you could each take one. ...
by shelanman
Thu Feb 28, 2019 2:21 am
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4432

Re: Is the Chase Sapphire Preferred card any good?

The airline miles game is gradually getting less lucrative, as enough people have started playing it effectively that airlines are making it more annoying and less valuable. In fact I never found much value in chasing airline points personally. DW and I generally fly once or twice a year, so we kee...
by shelanman
Tue Feb 26, 2019 4:08 pm
Forum: Personal Finance (Not Investing)
Topic: Is the Chase Sapphire Preferred card any good?
Replies: 61
Views: 4432

Re: Is the Chase Sapphire Preferred card any good?

If you value frequent flyer points on United, BA, Singapore, or KLM, then Sapphire cards can be great. Almost everybody for whom the Preferred card is valuable will find that the Reserve is better for them (the extra 1pt/dollar on dining and travel overcoming the $65 of effective annual fee increase...
by shelanman
Sun Jan 13, 2019 1:33 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 6046

Re: MMORPG games

Can I have your stuff? 😂 Says every EVE player ever :D Nope, sorry. I don't have much that's worth anything today (on any of my accounts -- either my original, or any of the ones I created the various times I decided to try to get into it again). That's actually probably not true. I probably have a...
by shelanman
Sat Jan 12, 2019 10:12 pm
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 63
Views: 6046

Re: MMORPG games

Given that this is the Bogleheads forum, I'm really surprised that the thread isn't full of EVE Online players! I used to play Eve more or less around the clock. Mining space rocks and building spaceships (and lots of guns and ammo!) was my thing. Plus, of all of the MMO games I've ever found, it ha...
by shelanman
Thu Jan 10, 2019 2:46 am
Forum: Personal Consumer Issues
Topic: Good quality wireless headphones
Replies: 11
Views: 1192

Re: Good quality wireless headphones

I've used a variety of inexpensive wireless headphones over the years, and have found Sony headphones to be the best wireless under $100. I know that's not what you're looking for, but it's a datapoint. (I am currently using a pair of the Sony 950N1s which cost me $80ish, which are pretty nice, thou...
by shelanman
Thu Jan 10, 2019 2:35 am
Forum: Personal Consumer Issues
Topic: Expensive DSLR through airport security
Replies: 45
Views: 3424

Re: Expensive DSLR through airport security

The main thing is to keep your gear with you until you're ready to go through the scanner. The main thing you want to minimize is time where your gear is past security, but you're still in a queue. Especially if you've had to take it out and put it in a visible bin. If you're really concerned, you c...
by shelanman
Sun Jan 06, 2019 3:23 am
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 5306

Re: 11 days in Europe...Budget and logistical advice please

Echoing others, you probably don't want a full 11 days in Paris. If you can survive the horrendous queues, I thoroughly recommend adding the Paris Catacombs to your tourism list. If you can't survive the horrendous queues, then I guess you can just look at a few of the photos I took here: https://ph...
by shelanman
Sun Jan 06, 2019 2:46 am
Forum: Personal Finance (Not Investing)
Topic: Currency Conversion Fee for Credit Card usage abroad
Replies: 7
Views: 529

Re: Currency Conversion Fee for Credit Card usage abroad

It sounds very much like the merchant billed you in US Dollars and not the local currency, despite your request. This is, unfortunately, somewhat common (especially at hotels, for some reason) -- the hotel uses their merchant account to convert for you, usually at a horrendous exchange rate. If you ...
by shelanman
Fri Jan 04, 2019 1:16 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2019 BOGLEHEAD CONTEST [Entry deadline has passed]
Replies: 697
Views: 19223

Re: REGISTRATION FOR 2019 BOGLEHEAD CONTEST

dotstar wrote:
Tue Jan 01, 2019 6:57 pm
24,793.23
If you win, I'm going to add to your prize and buy you a nice bottle of champagne and we'll celebrate together. (Or drown our sorrows if it's all just inflation)
by shelanman
Thu Dec 27, 2018 1:09 pm
Forum: Personal Investments
Topic: Any Benefit to Selling Brokered CD's at Loss?
Replies: 5
Views: 406

Re: Any Benefit to Selling Brokered CD's at Loss?

There is a tax advantage to selling at a loss, especially if you have gains to offset. But I'm not sure it's worth taking the loss in order to capture the tax gain. Generally, brokered CDs have a pretty hefty bid/ask spread. I expect you'll lose more round-tripping the market than the losses you're ...
by shelanman
Thu Dec 27, 2018 2:08 am
Forum: Investing - Theory, News & General
Topic: U-shaped CD yield curve?
Replies: 4
Views: 814

Re: U-shaped CD yield curve?

That looks likely to be more about volume than anything else. I bet that there's just way less volume in 4-year. Looking at new-issue brokered CDs on Fidelity shows me the following curve: 1y @ 2.70% 1.5y @ 2.85% 2y @ 3.00% 3y @ 3.15% 4y @ 3.30% 5y @ 3.65% (Incidentally, those 2y and 3y numbers are ...
by shelanman
Thu Dec 27, 2018 1:50 am
Forum: Investing - Theory, News & General
Topic: What is really going on?
Replies: 39
Views: 4128

Re: What is really going on?

This is all conjecture, as all market prognostication is, of course. Standard disclaimer applies: do not trade based on my guesses (or anyone else's), do not change your plans based on my guesses (or anyone else's), I'm not changing my behavior based on my guesses, and I'm the one who made them. Thi...
by shelanman
Wed Dec 26, 2018 1:09 am
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 255
Views: 25518

Re: Whose buying today? where's all the "dry powder" folks at? :)

I'm changing my usual plans and buying tomorrow. I normally wouldn't buy anything tomorrow... ... ...because I always buy on Tuesdays. But this week, Tuesday was a holiday, so my regularly scheduled Tuesday transaction will be going tomorrow instead. It's actually kind of annoying. I picked Tuesdays...
by shelanman
Tue Dec 25, 2018 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9439

Re: Wow, Behaviorial Finance is Real

A persistent cognitive bias is that we are sensitive to quantities rather than amounts. If you want to be financially happy, check your accounts many times when the market is going up and once in a blue moon when it's going down. Victoria Right? During the good times, I was updating my spreadsheet ...
by shelanman
Tue Dec 25, 2018 6:01 pm
Forum: Personal Finance (Not Investing)
Topic: Wow, Behaviorial Finance is Real
Replies: 49
Views: 9439

Re: Wow, Behaviorial Finance is Real

This is the third downturn since I started investing. Even though it's not that bad (yet, anyway), it's already been by far my "most expensive" -- because I've had more years to cram more money into the market. (I already lost more this month than all the money I had to my name in 2008). I'm pretty ...
by shelanman
Sun Dec 02, 2018 1:32 am
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 117
Views: 18129

Re: The S&P 500 Goes Supernova

Because in the 2009-2018 period the short end of the treasury / interest rate curve was so low, we are getting higher risk-adjusted returns. Does it really matter? I don't know. I understand the concept of the risk-free return, and, by extension, the risk-adjusted return -- but I'm not sure that th...
by shelanman
Fri Nov 30, 2018 4:07 pm
Forum: Investing - Theory, News & General
Topic: The S&P 500 Goes Supernova
Replies: 117
Views: 18129

Re: The S&P 500 Goes Supernova

aristotelian wrote:
Fri Nov 30, 2018 4:02 pm
I'm so confused. I thought people who invested starting in 2000 were barely breaking even.
The S&P 500 is about double what it was in January of 2000. That doesn't take inflation into account, but it also doesn't take dividends into account.
by shelanman
Wed Nov 28, 2018 2:05 am
Forum: Personal Consumer Issues
Topic: Dual Monitor Set up
Replies: 52
Views: 3339

Re: Dual Monitor Set up

I currently use a 34" ultra-wide 1440p monitor (curved) at home, and I really like it. I've got the Dell one, because it was on a great sale this time last year. At work, I have a pair of 27" 1440p monitors (both identical), and that is great too. Definitely buy two of the same if you're doing a dua...
by shelanman
Sat Nov 24, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: What’s your “barometer” for luxury purchases?
Replies: 72
Views: 5910

Re: What’s your “barometer” for luxury purchases?

Shallowpockets wrote:
Sat Nov 24, 2018 8:14 am
Sushi vs no sushi
And therein lies my downfall, for whenever that question is asked, the inevitable answer is sushi.
by shelanman
Sat Nov 17, 2018 8:39 pm
Forum: Personal Consumer Issues
Topic: How to pick a wifi router to replace one we rent from Cox?
Replies: 20
Views: 1373

Re: How to pick a wifi router to replace one we rent from Cox?

Echoing above, you probably should buy separate modem and router. Buy stuff from your provider's supported list. In theory, anything should work, but if you buy one on their list, it is harder for them to blame you for problems. Personally, I've had good luck with Motorola "Surfboard" modems and Lin...
by shelanman
Thu Nov 15, 2018 4:50 pm
Forum: Investing - Theory, News & General
Topic: Are you all staying the course?
Replies: 114
Views: 8192

Re: Are you all staying the course?

No changes to report. Not enough greed to make me fearful, not enough fear to make me greedy.
by shelanman
Mon Nov 12, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: Should I reject Google drive for privacy/tracking?
Replies: 38
Views: 3328

Re: Should I reject Google drive for privacy/tracking?

You can get a really detailed view of the information that Google has on you at http://google.com/dashboard You can also delete stuff and, in some cases, turn off tracking. Specifically with Google Drive, I use it heavily and find it to be a pretty solid product. (The integration with Google Photos ...
by shelanman
Thu Nov 01, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: Europe Trip
Replies: 38
Views: 2592

Re: Europe Trip

I just came home from 2 weeks in Europe. I was told that I was very lucky with the weather, but the weather was beautiful -- a few days of 55F and rain, most days of 65-75F and some sun, all with the rapidly advancing fall colors. My trip was 2 major destinations: London and Frankfurt, with one one-...
by shelanman
Sun Sep 16, 2018 2:49 pm
Forum: Personal Finance (Not Investing)
Topic: Bay Area housing frenzy cooling
Replies: 120
Views: 19602

Re: Bay Area housing frenzy cooling

Even the 2008 event took a year + to start materializing any downward pressure. people just held tight until they were distressed and the distress built up and then more and more places ended up on the market pushing prices down as people either sat it out or weren't eligible. In So Cal, it took un...
by shelanman
Sun Sep 09, 2018 2:35 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 21618

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Wien, Austria. Das Musik. Center of Europe. I spent a few days in Vienna in May and it was fabulous. Excellent music everywhere. I hope to go back. I spent several months in Vienna while I was waiting for a permission to immigrate to the USA and have visited it several times afterwards. This winter...
by shelanman
Sun Sep 09, 2018 2:31 am
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 184
Views: 21618

Re: Your Favorite [Travel Destination] on Earth: Where and Why?

Right now, today, my answer is The Great Barrier Reef -- because despite being absolutely sick of what feels like never-ending summer here at home in California, the inner photographer in me wants about a million more chances to take beautiful underwater photos of tropical fish, clear blue water, br...
by shelanman
Sun Sep 09, 2018 2:25 am
Forum: Personal Consumer Issues
Topic: eBay Leaving Negative Feedback
Replies: 27
Views: 2829

Re: eBay Leaving Negative Feedback

As an occasional ebay seller... ...please don't leave negative feedback for a seller who was prompt with a replacement or refund in the case of a damage-in-transit or a reasonable miscommunication about condition. If you feel that the condition was not-as-described before it was packed, but that it ...
by shelanman
Thu Aug 16, 2018 2:07 am
Forum: Personal Consumer Issues
Topic: LA weather in April - Planning Disney
Replies: 5
Views: 504

Re: LA weather in April - Planning Disney

Most of the time, April is lovely. It's one of the best months. Weather is a risk everywhere all the time, of course, but you can't do much better than coming to southern California in April. It is possible that you might have rain. Most years, April sees either no rain or only 1-2 days, but every o...
by shelanman
Sat Jul 21, 2018 1:31 am
Forum: Personal Consumer Issues
Topic: Ashley furniture experience? 2000 dollars for 13x8x8 sectional
Replies: 40
Views: 4710

Re: Ashley furniture experience? 2000 dollars for 13x8x8 sectional

I own a sofa that I bought about 7 years ago from Ashley. As others have told you, quality is not their focus -- cheapness is their focus. I bought one of the sofas that was part of one of their complete living room package sets. (Basically it was like $1200 for just the sofa, or for $1100, I could ...
by shelanman
Wed Jul 11, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Printing photos from JPG files
Replies: 30
Views: 1455

Re: Printing photos from JPG files

The best quality prints and photo gifts that I've ever bought have been done by Bay Photo (bayphoto.com) They are way more expensive than Walgreens/Costco/Shutterfly, but they have top notch stuff. Their primary market is selling through photographers, but they'll happily print for you, too. I can s...