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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 8:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4615

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
Fri Apr 17, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 7155

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
Thu Apr 16, 2015 8:45 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4615

Re: Favorite Boglehead Avatar?

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

Image
Sheepdog
by LazyNihilist
Wed Apr 15, 2015 9:28 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 87
Views: 4615

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
Mon Apr 13, 2015 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Password manager recommendations?
Replies: 45
Views: 2491

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 9:20 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5044

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 9:14 pm
 
Forum: Personal Consumer Issues
Topic: On a budget and Friday night
Replies: 68
Views: 5044

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
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: 15709

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
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: 15709

Re: Obtaining Swiss visa in the US

I hate transit visas. Just another excuse to hassle passengers and make money.
by LazyNihilist
Tue Apr 07, 2015 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1312

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
Mon Apr 06, 2015 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Obtaining Swiss visa in the US
Replies: 16
Views: 1312

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 17, 2015 8:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: My Greatest Weakness.
Replies: 37
Views: 5828

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 8:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: One share of BRK.B for Geico discount?
Replies: 18
Views: 2096

Re: Taylor Larimore Honored

Congratulations Taylor.

Thanks for the Investing Advice and the Sailing Lessons :happy
by LazyNihilist
Tue Mar 03, 2015 8:23 pm
 
Forum: Investing - Theory, News & General
Topic: Taylor Larimore Honored
Replies: 59
Views: 5406

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
Fri Feb 13, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Dusting wood floors -- robots and vacuums
Replies: 19
Views: 1647

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
Thu Jan 15, 2015 2:44 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 643
Views: 90080

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
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: 602

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
Sun Jan 11, 2015 1:47 am
 
Forum: Personal Consumer Issues
Topic: Humidifiers
Replies: 25
Views: 2884

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
Tue Jan 06, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: Accepting counter-offer to stay at job
Replies: 72
Views: 6816

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
Mon Dec 29, 2014 12:46 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 745
Views: 99611

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 1:59 am
 
Forum: Investing - Theory, News & General
Topic: Marketcap vs. FACTOR indexing
Replies: 15
Views: 1648

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
Thu Dec 25, 2014 1:54 am
 
Forum: Investing - Theory, News & General
Topic: Marketcap vs. FACTOR indexing
Replies: 15
Views: 1648

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 6:51 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:48 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:41 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:36 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:30 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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
Fri Dec 19, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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....
by LazyNihilist
Thu Dec 18, 2014 8:01 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

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. ...
by LazyNihilist
Thu Dec 18, 2014 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Relocating to Florida - Need some advice
Replies: 36
Views: 2900

Re: Vanguard widens assets under management

ilovedavidstove wrote:I'm glad to see the masses escape onerous fees, but I can't say that I don't have a little anxiety over how big Vanguard is going to become.


I wonder if Vanguard will be better if it is split. Or since Vanguard is owned by the funds, if all funds are split into smaller ones.
by LazyNihilist
Sat Dec 06, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard widens assets under management
Replies: 6
Views: 1322

Re: Bogle puts a bow on it in under 15 minutes

If a regular member of the forum suggested that he would likely get a lot of flack. So, I wish some of the better minds on this forum would spend some time on how we might gauge market valuations that might be getting extreme. We get plenty of reinforcement for staying the course but not so much on...
by LazyNihilist
Thu Dec 04, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle puts a bow on it in under 15 minutes
Replies: 21
Views: 4507

Re: Livesoft can you explain how u can do this?

What is the 0% tax bracket? I thought you start paying 10% tax on any income from $0 to $8925. It's not really a bracket, but that seems to be the best term to fit it. It is the amount of money that is never taxed - each taxpayer is allowed at least one exemption and at least a standard deduction b...
by LazyNihilist
Wed Nov 26, 2014 8:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 4488

Re: Livesoft can you explain how u can do this?

Should work well if you retire early, before SS kicks in or if you delay your SS payouts. However, if you have too much in taxable assets, perhaps getting dividends from those (or interest, one can wish) will throw a wrench in this plan. If you've got a couple million and are ready to retire early,...
by LazyNihilist
Wed Nov 26, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Livesoft can you explain how u can do this?
Replies: 47
Views: 4488

Re: What percent "Boglehead" are you?

I'd say around 90-95% the Non Boglehead thing I do is, keep watching market news all the time and if the market falls, try to move my bonds into equities, so a form of market timing. Other than that, I am as Boglehead(ish) as one can be.
by LazyNihilist
Sat Nov 22, 2014 5:10 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 125
Views: 10547

Re: Learning to Type

livesoft wrote:
hoppy08520 wrote:I'm impressed with your right pinkie. Twice as fast as the other 9 digits.

Maybe I have 6 fingers on that hand?


Six fingers you say... http://www.youtube.com/watch?v=cWpqyT4Qib4 :)
by LazyNihilist
Sat Nov 22, 2014 4:57 pm
 
Forum: Personal Consumer Issues
Topic: Learning to Type
Replies: 14
Views: 1819

Re: Jim Cramer dad & LTCI

It's worth remembering that Jim Cramer is a graduate of Harvard Law School, and has a lot of money. So, he has access to as much legal firepower as anyone to try to get the insurance company to live up to their obligations. If it was hard for him, it's liable to be much harder for most people. Yes,...
by LazyNihilist
Sat Nov 22, 2014 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3872

Re: Jim Cramer dad & LTCI

Would SPIA's have any problem? Isn't it like a straight forward monthly payment?
by LazyNihilist
Sat Nov 22, 2014 12:02 am
 
Forum: Personal Finance (Not Investing)
Topic: Jim Cramer Dad & LTCI
Replies: 30
Views: 3872

Re: Cold weather gloves

I've had it with this cold weather in CT. I'm moving to Florida. :x
by LazyNihilist
Fri Nov 21, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Cold weather gloves
Replies: 13
Views: 1468

Re: What financial tools/software do you use?

GnuCash + Google Docs Spreadsheets.
by LazyNihilist
Wed Nov 19, 2014 7:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: What financial tools/software do you use?
Replies: 35
Views: 2856

Re: Please Try Out Test Posts Here

livesoft wrote:Normally I don't even read this thread, but I felt my ears burning. Weird.


:happy Sorry livesoft. I'm always happy to read your posts.
by LazyNihilist
Wed Nov 12, 2014 12:51 am
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 63
Views: 124242

Re: Please Try Out Test Posts Here

LadyGeek wrote:Become a site admin and move threads to the forum they belong in. :wink:


LadyGeek, Thanks for the great work in maintaining Bogleheads. One of the best websites/forums on the interwebs.
by LazyNihilist
Wed Nov 12, 2014 12:50 am
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 63
Views: 124242

Re: Please Try Out Test Posts Here

Trying to catch up to livesoft, nisiprius and Valuehinker post count ;-)
by LazyNihilist
Tue Nov 11, 2014 8:40 pm
 
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 63
Views: 124242

Re: forumsee.com mirroring Boglehead content. Authorized?

The irony of Google Adsense. Right below the Boglehead mirrored post, they have a huge Ad
"Day Trading For Beginners - Free Workshop. Learn How to Trade Like a Pro!"

:)
by LazyNihilist
Tue Nov 11, 2014 8:37 pm
 
Forum: Forum Issues and Administration
Topic: forumsee.com mirroring Boglehead content. Authorized?
Replies: 14
Views: 3086
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