Search found 779 matches

by LazyNihilist
Thu Aug 13, 2015 8:33 pm
Forum: Investing - Theory, News & General
Topic: Inverse ETFs
Replies: 44
Views: 2520

Re: Inverse ETFs

If you feel the need to buy Inverse ETF's, please do it only with 'Play Money'.
by LazyNihilist
Mon Jul 27, 2015 9:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: South Florida Local Chapter
Replies: 97
Views: 13721

Re: South Florida Local Chapter

Here are a couple of pictures from the meeting yesterday.
Please let me know (reply or PM me) if you don't want the picture here.

Image

Image
by LazyNihilist
Mon Jul 20, 2015 12:40 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 949
Views: 169922

Re: What Book Are You Currently Reading? Part VI

Fahrenheit 451 It was a pleasure to burn. Felt the themes addressed similar to 1984. The kindle version had lots of 'extra material' about the book. It felt like an abrupt ending when the book finished around 68% through and the rest was about the history of the book, reviews, movies and Ray Bradbur...
by LazyNihilist
Thu Jun 18, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 17
Views: 1853

Re: Vanguard website down

If Vanguard was hacked, could our assets in Vanguard be stolen?
by LazyNihilist
Thu Jun 11, 2015 11:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Target Funds
Replies: 32
Views: 4438

Re: Vanguard Target Funds

If Vanguard Target Date (and Life Strategy) Funds had an option of using Admiral shares and have ETF's that would be perfect.
by LazyNihilist
Fri Jun 05, 2015 11:07 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 75
Views: 9632

Re: Stanley Kubrick's 2001 a space odyssey

Here's a video from SpaceX that fans of 2001 might enjoy. https://www.youtube.com/watch?v=4_sLTe6-7SE
by LazyNihilist
Fri Jun 05, 2015 9:45 pm
Forum: Personal Consumer Issues
Topic: Amazon Customer Reviews
Replies: 6
Views: 1306

Re: Amazon Customer Reviews

I always read the customer reviews whenever I buy through Amazon. I give more credence to 3 & 4 star reviews than 1, 2 or 5 star reviews; they seem to be more balanced and fair. I was looking at the reviews of a particular book and found only three customers had reviewed the book. All three wer...
by LazyNihilist
Wed Jun 03, 2015 4:33 pm
Forum: Personal Finance (Not Investing)
Topic: much ado about coasting (through life)
Replies: 256
Views: 35731

Re: much ado about coasting (through life)

Nothing matters. So, do whatever makes you happy. :happy
by LazyNihilist
Fri May 15, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: PDF file locking up computer
Replies: 20
Views: 1439

Re: PDF file locking up computer

Sumatra PDF Reader is a light weight free and open source PDF reader software for Windows.
I prefer this to Adobe Acrobat, which is buggy and has a very huge footprint.
by LazyNihilist
Wed Apr 29, 2015 12:29 pm
Forum: Investing - Theory, News & General
Topic: XIRR of NASDAQ over the last 15 years
Replies: 20
Views: 1887

Re: XIRR of NASDAQ over the last 15 years

I should have explained the chart columns: The seven columns are 1) date of purchase, 2) value of NASDAQ index, 3) investment amount, 4) number "shares of the NASDAQ" purchased, 5) cumulative number of shares purchased, 6) value of investment, 7) cumulative investment amount You can see t...
by LazyNihilist
Tue Apr 28, 2015 9:26 pm
Forum: Investing - Theory, News & General
Topic: XIRR of NASDAQ over the last 15 years
Replies: 20
Views: 1887

Re: XIRR of NASDAQ over the last 15 years

I should have explained the chart columns: The seven columns are 1) date of purchase, 2) value of NASDAQ index, 3) investment amount, 4) number "shares of the NASDAQ" purchased, 5) cumulative number of shares purchased, 6) value of investment, 7) cumulative investment amount You can see t...
by LazyNihilist
Mon Apr 27, 2015 12:04 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle at The Aspen Institute
Replies: 3
Views: 723

Re: Jack Bogle at The Aspen Institute

As always, Jack Bogle keeping it simple.
by LazyNihilist
Mon Apr 27, 2015 11:56 am
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 53
Views: 7111

Re: Another reason NOT to use (free) Wifi

If someone see's that you are at a mall, you don't care. If someone see's that you are at a post office, you don't care. If someone see's that you are at a movie theater, you don't care. Now if all these 3 persons work for the same parent company (or if they sell this information to doubleclick or s...
by LazyNihilist
Mon Apr 27, 2015 11:34 am
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 363
Views: 153307

Re: TV show recommendations?

jay22 wrote:Watching The Wire again these days.

Unarguably the greatest TV series ever to be produced. Top class stuff.


Most def.

One thing about The Wire actors compared to other TV shows is there few 'beautiful models' in The Wire. Only Dominic West and Idris Elba that I can think of.
by LazyNihilist
Sun Apr 26, 2015 7:45 pm
Forum: Personal Consumer Issues
Topic: Nutribullet or Ninja extractor?
Replies: 20
Views: 1912

Re: Nutribullet or Ninja extractor?

Also, check Breville Hemisphere blender. I'm pretty happy with it. http://www.amazon.com/gp/product/B00DS47D5A
by LazyNihilist
Thu Apr 23, 2015 12:44 pm
Forum: Investing - Theory, News & General
Topic: A Great List of Useless Financial Porn Phrases
Replies: 30
Views: 4495

Re: A Great List of Useless Financial Porn Phrases

livesoft wrote:We turn your money and our experience into our money and your experience.

Brilliant.
by LazyNihilist
Fri Apr 17, 2015 8:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6876

Re: Favorite Boglehead Avatar?

CABob wrote:LazyNihilist -
So what is your avatar? Is that the unicorn you almost saw one time? :P


Almost almost, the Invisible Pink Unicorn works in mysterious ways :wink: :wink:
by LazyNihilist
Fri Apr 17, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 8060

Re: Porter Stansberry advising going to 100% cash - Help!

The scare mongering and predictions for a 50% drop in 2014 didn't pan out. Obviously. They are now back with a new round of similarly dire predictions for 70% drop by Oct 11, 2015 (strangely specific). Apparently fear sells, and the fact that they simply change the prediction to six months in the f...
by LazyNihilist
Thu Apr 16, 2015 8:45 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6876

Re: Favorite Boglehead Avatar?

Searching through more avatars I found bertilak's previous avatar with the Rabbit like creature very fascinating. Like it was calling me. And when I see this Avatar, I get an urge to just go to Barcelona to watch Messi play. https://www.bogleheads.org/forum/download/file.php?avatar=17086.jpg
by LazyNihilist
Wed Apr 15, 2015 9:28 pm
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 6876

Re: Favorite Boglehead Avatar?

I like all avatars. The below is one of my favorites.

Image
Sheepdog
by LazyNihilist
Mon Apr 13, 2015 5:08 pm
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 86
Views: 8692

Re: Password manager recommendations?

KeePass.
I've been using it for some time. It is portable across multiple platforms. I use it on Linux, Android Phone and Windows.
And the primary feature is it is open source.
by LazyNihilist
Fri Apr 10, 2015 9:20 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5875

Re: On a budget and Friday night

pennstater2005 wrote:Nobody's answered what rich folks do :wink: We like to go look at our massive fountain in front of the estate and then laugh at the common folk who drive by. :moneybag

Now I know what to do with my Friday nights ;-)
by LazyNihilist
Fri Apr 10, 2015 9:14 pm
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5875

Re: On a budget and Friday night

This is a very interesting question. What do rich people do in retirement? If you have good medical insurance, a home, enough money for food and utilities isn't the rest just gravy? If some rich person spent the day playing golf vs a not so rich person spent the day strolling in the park what is the...
by LazyNihilist
Fri Apr 10, 2015 9:03 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17894

Re: The $1 Million Goal: Source of Motivation or Discouragem

Was wondering if this kind of goal-setting/mentality is doing more harm than good? Your thoughts? Great discussion. I'll share my experience from talking to college students about the $1 million goal. I explained that if they invest $5k in the market every year for 40 years, this $200k (=$5k * 40) ...
by LazyNihilist
Thu Apr 09, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: The $1 Million Goal: Source of Motivation or Discouragement?
Replies: 172
Views: 17894

Re: The $1 Million Goal: Source of Motivation or Discouragem

The goal is to accumulate 33.33 times annual expenditure before retiring, so you have income > expenditure. Whatever motivates people to best achieve the goal should be followed. As NisiPrius has in his signature Annual income twenty pounds, annual expenditure nineteen nineteen and six, result happi...
by LazyNihilist
Tue Apr 07, 2015 7:43 pm
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1474

Re: Obtaining Swiss visa in the US

I hate transit visas. Just another excuse to hassle passengers and make money.
by LazyNihilist
Mon Apr 06, 2015 8:01 pm
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1474

Re: Obtaining Swiss visa in the US

Also - make sure your parents have a visa for any country they may be passing through in Europe if it is not part of Schengen. The main culprit here being if you were planning to fly on a BA flight through London, you'll need a separate Transit Visa for the UK (as they are not part of Schengen). UK...
by LazyNihilist
Tue Mar 17, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: My Greatest Weakness.
Replies: 37
Views: 6383

Re: My Greatest Weakness.

All of us have weaknesses, and one of these weaknesses is "the greatest." But there is time and place for confessing one's weaknesses. It's one thing to express one's vulnerability with friends and lovers to deepen the relationship, and it's another thing to use cliche answers such as &qu...
by LazyNihilist
Tue Mar 03, 2015 8:34 pm
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 22
Views: 3123

Re: One share of BRK.B for Geico discount?

I have my car insured with Geico. And after reading a post about this very thing on Bogleheads a few months back, I bought 1 share of BRK.B and got a discount.
I was expecting a 8% discount, but got only a 1.6% discount. I think that's because I already get lots of other discounts. So happy with this.
by LazyNihilist
Tue Mar 03, 2015 8:23 pm
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 6441

Re: Taylor Larimore Honored

Congratulations Taylor.

Thanks for the Investing Advice and the Sailing Lessons :happy
by LazyNihilist
Fri Feb 13, 2015 5:45 pm
Forum: Personal Consumer Issues
Topic: Dusting wood floors -- robots and vacuums
Replies: 19
Views: 1899

Re: Dusting wood floors -- robots and vacuums

I got a Roomba and it was one of the best purchases I made. The thing with robot vacuum cleaners is, they don't get tired. You can set a schedule and it vacuums. It might not be as good as the normal vacuum cleaners on a single vacuum, but it can vacuum multiple times without any effort which makes ...
by LazyNihilist
Thu Jan 15, 2015 2:44 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 949
Views: 169922

Re: What Book Are You Currently Reading? Part VI

The Power Broker: Robert Moses and the Fall of New York by Robert Caro. What an amazing biography. Showing the use of power by an unelected individual in a democracy. Further reinforces my notion that power corrupts absolutely everyone and everything. And power wants more power. The only solution is...
by LazyNihilist
Tue Jan 13, 2015 6:45 pm
Forum: Investing - Theory, News & General
Topic: If you can hold only Cash or Total World Stock.
Replies: 6
Views: 642

If you can hold only Cash or Total World Stock.

If you can choose only between Cash and Vanguard Total World Stock, what percentage would you invest in the Total World Stock and what percentage would you hold in Cash? Assume you have enough Emergency Funds. I 'understand' stocks (or at least sufficient enough to be comfortable with them). And I '...
by LazyNihilist
Sun Jan 11, 2015 1:47 am
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 3014

Re: Humidifiers

I use 2 crane ultrasonic humidifiers. One in the living room one in the bedroom. I keep them running almost constantly when I'm at home. Helps keep the humidity up, especially during cold days. They do the job well, but they have to be maintained daily and use new filters regularly.
by LazyNihilist
Tue Jan 06, 2015 12:44 am
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 7318

Re: Accepting counter-offer to stay at job

You have a 'good problem'.
A 50% increase and guarantee in writing of the payment for two years even in case of termination with or without cause. :happy
by LazyNihilist
Mon Dec 29, 2014 12:46 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1045
Views: 172626

Re: What Movie Have You Recently Watched?

Snowpiercer. I you can make it past the first 30 minutes, you may as well watch the whole thing. This is a standard post-apocalyptic survival plot, except it takes place on a train. I don't understand why this movie got such good ratings; perhaps it was for the quality of the directing and producti...
by LazyNihilist
Thu Dec 25, 2014 1:59 am
Forum: Investing - Theory, News & General
Topic: Marketcap vs. FACTOR indexing
Replies: 15
Views: 1701

Re: Marketcap vs. FACTOR indexing

YellowJoe wrote:Thanks for this Nisiprius. Infact, many thanks for your excellent and information posts in the past as well :)


Can't thank Nisiprius enough. Takes all the complex information and processes them and puts them in easy to understand format with a clear explanation for the conclusion. :happy
by LazyNihilist
Thu Dec 25, 2014 1:54 am
Forum: Investing - Theory, News & General
Topic: Marketcap vs. FACTOR indexing
Replies: 15
Views: 1701

Re: Marketcap vs. FACTOR indexing

Unfortunately, there aren't a lot of disinterested players out there. It seems as if all the "academics" people are fond of quoting have managed to get themselves hired on as paid consultants by investment companies. If someone quotes Fama and French, remember they work for DFA. If someon...
by LazyNihilist
Fri Dec 19, 2014 6:51 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

I strongly recommend the West Coast! The East Coast, in my opinion, is just displaced Northeast. I keep hearing/reading this. East Coast for a more fast paced life and West Coast for a more laid back. I will probably lease/rent for a few months to see how I like Miami (or Ft. Lauderdale), and may b...
by LazyNihilist
Fri Dec 19, 2014 6:48 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

When I first moved to Florida my cubicle mates were all over me with typical put downs - primarily of the early bird dining, crazy drivers and old age variety. Then the company went into casual Friday mode and I emailed everyone with my plight: 'here I am sitting barefoot wearing shorts and a tee s...
by LazyNihilist
Fri Dec 19, 2014 6:41 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

LOL, learn Spanish. Actually, the winter weather is worth it's weight in gold. Keep a heavy coat or two for trips back and get used to life in T shirts and shorts. No state income tax here either. Lots to do in the winter with art shows, outdoor concerts, tennis and golf tournaments, horse and dog ...
by LazyNihilist
Fri Dec 19, 2014 6:36 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

As far as telecommuting or working remotely I can offer some advice after doing it the last 8 years of my career. First is to set yourself a schedule and make sure it is known. Doing your scheduled work time always be available. People will think you are goofing off if you miss a call during your n...
by LazyNihilist
Fri Dec 19, 2014 6:30 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

Does working remotely mean frequent/infrequent returns to the home office or other business travel? If so you'll want to look at the convenience of airport access and which airports have the best connections and prices for destinations you are likely to be flying to. Some of the smaller airports in...
by LazyNihilist
Fri Dec 19, 2014 6:26 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

Jfet wrote:Not relocating but we do plan on spending about 3 months in the Keys.

I would ignore livesoft. There is a reason all the retired folks go to Florida.


I think livesoft was just joking. At least I hope so. I'm not too fond of snakes.
by LazyNihilist
Fri Dec 19, 2014 6:24 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

LN: An English-Spanish dictionary may be helpful. :wink: Best wishes Taylor I'm pretty fluent in Spanish. I know both the words. Gracias and Komusta. :P I hope I can get around without knowing Spanish, may be a good time to start learning a new language. One advantage with the latest smart phones i...
by LazyNihilist
Fri Dec 19, 2014 6:18 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

joe8d wrote:When I first saw that heading,I thought the poster may have been Fidel :happy


How do you know I'm not :wink:
by LazyNihilist
Thu Dec 18, 2014 8:03 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

Buy some alligator repellent, fire ant repellent, python repellent, brown recluse repellent, rattlesnake repellent, cottonmouth repellent, mosquito repellent, etc. Oh, you mentioned beaches, so add shark repellent, jellyfish repellent, too. Presumably you already have tick repellent coming from CT....
by LazyNihilist
Thu Dec 18, 2014 8:01 pm
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 3048

Re: Relocating to Florida - Need some advice

Hello Bogleheads, I am relocating to Florida from CT. I was given an option to work remotely and I decided moving to Florida would be good because of the weather and beaches. I need some advice on which places would be good for a single mid 30's person. I am leaning towards Miami or Ft. Lauderdale....

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