Search found 481 matches

by shelanman
Sun Jan 13, 2019 1:33 am
Forum: Personal Consumer Issues
Topic: MMORPG games
Replies: 61
Views: 4944

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: 61
Views: 4944

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: 1119

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: 3124

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: 4814

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: 491

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: 674
Views: 12938

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: 387

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: 760

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: 4035

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: 248
Views: 21330

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: 9055

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: 9055

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: 92
Views: 14303

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: 92
Views: 14303

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: 2905

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: 5609

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: 1315

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: 7439

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: 3164

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: 2411

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: 18690

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: 155
Views: 16982

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: 155
Views: 16982

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: 2675

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: 434

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: 4363

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: 1396

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...
by shelanman
Sat Jul 07, 2018 1:48 am
Forum: Investing - Theory, News & General
Topic: “We have a lot to do, and very little time, so we must work slowly.”
Replies: 21
Views: 4132

Re: “We have a lot to do, and very little time, so we must work slowly.”

dratkinson wrote:
Fri Jul 06, 2018 2:30 pm
"There is never enough time to do it right the first time, but there is always enough time to do it over." Related to Murphy's law.
You have described my life.

(Please stop, it hurts)
by shelanman
Sat Jul 07, 2018 1:47 am
Forum: Personal Consumer Issues
Topic: Anyone Tried Costco Travel Packages?
Replies: 31
Views: 3997

Re: Anyone Tried Costco Travel Packages?

I purchased a cruise through Costco Travel (on Norwegian, to Hawaii, in 2014), and had a fairly good experience. That won't help you evaluate the quality of their travel packages, but I can at least review the travel agency for you: I researched everywhere, and basically everybody had the same price...
by shelanman
Tue Jun 26, 2018 12:11 pm
Forum: Personal Consumer Issues
Topic: Reason for Airlines horrible ticket policy
Replies: 32
Views: 2388

Re: Reason for Airlines horrible ticket policy

For most airlines today, the core business model is to charge high prices to business travelers who will pay it, and less to leisure travelers who fill up the rest of the plane, but will buy whatever is cheapest (and just stop traveling if it costs too much). The high change fee is part of this prog...
by shelanman
Wed Jun 06, 2018 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's own 401k plan eliminating S&P 500 Index option!
Replies: 86
Views: 8630

Re: Vanguard's own 401k plan eliminating S&P 500 Index option!

Is there some reason for 401k plans to have such limited choices?

Why doesn't Vanguard (or any employer) just let you pick whatever funds you want?
by shelanman
Thu May 24, 2018 4:38 pm
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 109
Views: 14380

Re: will the SP500 double in 7 years?

The real question is, will the S&P 500 double in 7 years? From now? My crystal ball is in the shop, and they don't return my calls. :( If you repaired a crystal ball, would you give it back? :twisted: Good point. :oops: I don't know. I'd need to look into the crystal ball to see whether I should.
by shelanman
Tue May 22, 2018 11:25 am
Forum: Investing - Theory, News & General
Topic: will the SP500 double in 7 years?
Replies: 109
Views: 14380

Re: will the SP500 double in 7 years?

So... should we do this again? Start a poll for whether the S&P will get to 4,800 (or, anyway, that total return will exceed 100%) over the next 7 years?

(I would, but apparently I don't have permission to create polls)
by shelanman
Wed Apr 25, 2018 12:30 am
Forum: Investing - Theory, News & General
Topic: Why are rising Bond Yields bad?
Replies: 37
Views: 4987

Re: Why are rising Bond Yields bad?

a) If the bond yield is rising, then why all VG bond mutual funds show -ve YTD ? Is it because the price of the bonds, within these funds is falling ? How this works ? b) How to read SEC yield ? If the rates are up, bonds should give better returns, right ? Is that reflective in SEC or YTD number ?...
by shelanman
Tue Apr 17, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: underwater camera advice
Replies: 18
Views: 1127

Re: underwater camera advice

Meikon makes underwater cases for a wide variety of cameras. They cost between $100 and $300, depending on the camera. They aren't professional grade or anything, but they beat the pants off those little waterproof bags -- and they let you use your regular, everyday camera under water. For a trip to...
by shelanman
Thu Mar 08, 2018 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Storm Damage - Need Advice about Filing a Claim (or not)
Replies: 9
Views: 884

Re: Storm Damage - Need Advice about Filing a Claim (or not)

Laws and insurance coverages vary by state, so I can't claim to be an expert, but... ...that sounds like a classic example of a claim against your vehicle Comprehensive coverage in your auto policy. If you have significant frame damage on a $10k car, it's probably a total loss. For the Corolla, you ...
by shelanman
Wed Feb 28, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: Move to Orange County
Replies: 50
Views: 4994

Re: Move to Orange County

Therefore, I have no clue what expensive means - when most people are telling us not to make the move because California is SO expensive. I live in Orange County. It's entirely possible to live comfortably on that. House prices are on the order of $400/sq. ft. A little less for less-desirable place...
by shelanman
Wed Feb 14, 2018 2:28 am
Forum: Personal Consumer Issues
Topic: FLIR Thermal Imaging Camera
Replies: 14
Views: 1670

Re: FLIR Thermal Imaging Camera

Thermal cameras work pretty well for detecting leaks. You are correct. Though, as my neighbor learned to her dismay the last time she had a leak, they *also* detect where your clothes dryer was five minutes ago if it was on! She had a leak. We *knew* she had a leak. We found a big warm spot in the ...
by shelanman
Mon Jan 29, 2018 1:35 am
Forum: Personal Consumer Issues
Topic: San Diego for 3-4 Days for a Couple
Replies: 25
Views: 2139

Re: San Diego for 3-4 Days for a Couple

If it sounds at all like your thing, I super highly recommend taking a guided Kayak tour of the La Jolla sea caves. It's March, so it might be too cold for you to feel comfortable getting into the ocean. But that tour was my favorite activity I've done in San Diego, so I recommend it pretty much eve...
by shelanman
Sun Jan 07, 2018 11:56 am
Forum: Investing - Theory, News & General
Topic: Implications of top 1% owning 40% of the Stock Market?
Replies: 16
Views: 1591

Re: Implications of top 1% owning 40% of the Stock Market?

I would imagine the top 1% own most of everything. Real estate, diamonds, expensive art, etc, etc. Not quite, but not that far off. The top 1% of wealthiest Americans have about 34% of the wealth. The next 4% have about 27% of the wealth, the next 5% have a further 11%, as does the next 10%. The se...
by shelanman
Sat Dec 30, 2017 6:53 pm
Forum: Personal Consumer Issues
Topic: Looking to vacation in San Diego
Replies: 16
Views: 1474

Re: Looking to vacation in San Diego

San Diego is a fun place to visit, and it will probably be quite pleasant in April. You could have summery weather, but cooler temps are more likely, so it might not be good "Beach weather" If it isn't too cold (or of you're feeling brave), I highly highly recommend a kayak tour of the La Jolla sea ...
by shelanman
Mon Nov 20, 2017 1:14 am
Forum: Personal Consumer Issues
Topic: Syncing Family Files and Photos
Replies: 9
Views: 1308

Re: Syncing Family Files and Photos

For photos specifically, the Google Drive and Google Photos integration is really excellent. I haven't done exactly what you want, but I think it will be straightforward. If you've never set it up, set up Google Photos at photos.google.com. Under 'Settings', you should turn on 'Google Drive' (which ...
by shelanman
Thu Nov 16, 2017 11:54 am
Forum: Personal Consumer Issues
Topic: Office Chair Recommendations (Aeron?)
Replies: 38
Views: 3963

Re: Office Chair Recommendations (Aeron?)

I will absolutely second the standing desk. I have an electronically-adjustable sit-stand desk, and it's the best thing ever. I love it. I bought one of the "Jarvis" desks from Fully (Specifically, this one ). I've had it for six months and it is fantastic. I move it at least once most days. However...
by shelanman
Sun Nov 05, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Ihg free night
Replies: 3
Views: 597

Re: Ihg free night

IHG is the company that owns Holiday Inn, Crowne Plaza, and Intercontinental hotels. It stands for Intercontinental Hotel Group.

But no, I haven't tried to use an IHG free night award for a booking that commences after expiration.
by shelanman
Sat Oct 28, 2017 4:33 pm
Forum: Personal Consumer Issues
Topic: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??
Replies: 40
Views: 3343

Re: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??

One more note: U.S. carriers do not call it "first class" on overseas flights, they call it "business class". I presume that is to make it more palatable to corporate accounting departments. That's part of it -- the other part, though, is that they're woefully uncompetitive with the true internatio...
by shelanman
Sat Oct 28, 2017 4:32 pm
Forum: Personal Consumer Issues
Topic: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??
Replies: 40
Views: 3343

Re: Any first class flights from PHX (Phoenix) to HI (Hawaii) on a 747??

What is "business class"? Is that between lst class and economy? It's complicated. In theory, Business Class is in between economy and first classes. But, airlines don't all have the same product on every flight (as people have pointed out to you) -- and some don't offer an international-grade firs...
by shelanman
Mon Oct 16, 2017 4:25 pm
Forum: Personal Consumer Issues
Topic: Organized European Tours for Students
Replies: 13
Views: 1183

Re: Organized European Tours for Students

It's going to be somewhat hard to compare, because I have to imagine that travel for otherwise unchaperoned 13-year-olds has to be different than travel aimed at adults... ...I think that it would probably be an amazing experience for your daughter to go without you (assuming that she actually likes...
by shelanman
Sat Jul 22, 2017 12:33 am
Forum: Personal Consumer Issues
Topic: Flying first class/ business......
Replies: 21
Views: 4873

Re: Flying first class/ business......

For International business class, you're usually fine. Keep in mind that deep-discount biz tickets are just as restricted as coach, often with $400+ change fees. For domestic F, you've got a lower chance of actually getting rebooked in F. Most airlines will give away all of the remaining F seats abo...