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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: 442
Views: 57417

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: 573

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: 2808

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: 6629

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: 477
Views: 56355

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: 1631

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: 1631

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 2854

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: 1291

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: 4459

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: 4422

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: 4422

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: 10248

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: 1758

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: 3805

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: 3805

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: 1456

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: 2803

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: 45
Views: 121577

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: 45
Views: 121577

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: 45
Views: 121577

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: 2924

Re: What Movie Have You Recently Watched?

Interstellar.
It was Stellar. A lot more emotional than expected. A little crazy. But a Spectacular move.
by LazyNihilist
Sat Nov 08, 2014 2:25 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56355

Re: Jack Bogle: Shut your eyes and let the indexes work

Jack Bogle, the voice of common sense among the noise.
by LazyNihilist
Wed Nov 05, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle: Shut your eyes and let the indexes work
Replies: 8
Views: 2566

Re: LASTPASS Password Program

LastPass is proprietary. How much would you trust LastPass itself? I'd recommend KeePass or Password Safe. I personally use KeePass. Great question. Assumptions can be dangerous. A couple of the biggest names in computer security went thru the Lastpass process. They examined in detail the data traf...
by LazyNihilist
Sun Oct 26, 2014 2:47 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 5391

Re: LASTPASS Password Program

LastPass is proprietary. How much would you trust LastPass itself?
I'd recommend KeePass or Password Safe. I personally use KeePass.
by LazyNihilist
Sat Oct 25, 2014 11:57 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 5391

Re: Fund Prospectus from Vanguard

This time the HSA sent me a new prospectus, I recognized it instantly. I'm getting brighter by the day. :)
by LazyNihilist
Tue Oct 14, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 865

Re: Fund Prospectus from Vanguard

Ok, I'm just stupid. Didn't read the address on the envelope properly.
These prospectus was sent by my HSA brokerage. I totally forgot about them. I set them up a year back, and I got prospectus now.
:oops: :oops: :oops:
by LazyNihilist
Tue Oct 07, 2014 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 865

Re: Fund Prospectus from Vanguard

Just called Vanguard and they don't know why I was sent these either. They asked me to check my account online regularly and report any activities I find suspicious.
by LazyNihilist
Tue Oct 07, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 865

Fund Prospectus from Vanguard

Received a Short-Term Investment Grade Fund Prospectus and Vanguard Corporate Bond Funds Report in the mail from Vanguard today. I usually receive a prospectus only for the funds I buy, and I don't have either of these. I quickly verified my accounts online to see I didn't purchase any of these or a...
by LazyNihilist
Mon Oct 06, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Fund Prospectus from Vanguard
Replies: 6
Views: 865

Re: EmergDoc has Surpassed 10,000 posts!

Emergdoc- I wanted to add my thanks for your contributions. During the dark days of 2008-2009 your voice was one of reason and calm. I seem to remember you rebalancing into REITs (?) while holding your nose! You led by example. That helped reinforce what I knew to be true: Invest we must. Many than...
by LazyNihilist
Tue Sep 30, 2014 5:02 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3459

Amazon's new e-reader Kindle Voyage

Amazon just unveiled their new e-reader Kindle Voyage. Starts shipping October 21st, you can pre-order it now. It looks great. Has improved resolution of 300 dpi, an adaptive front light and buttons for page turning. The only sticking point is the price. The Wi-Fi only with special offers is $199. S...
by LazyNihilist
Thu Sep 18, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Amazon's new e-reader Kindle Voyage
Replies: 11
Views: 1382

Re: Alibaba is NOT coming to an index near you

Interesting. Would it be included in either CRSP US Total Market Index OR FTSE Global All Cap ex US Index?
by LazyNihilist
Mon Sep 15, 2014 5:42 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 35
Views: 4836

Re: Your biggest "Missed Money" event that still kills you?

A few years back, put money on Red instead of Black at the roulette table.
by LazyNihilist
Tue Aug 19, 2014 8:46 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8931

Capital One BuyPower Card with 5% Earnings

Received a promotional offer from Capital One BuyPower Card with 5% Earnings for first $5000 and 2% for the remaining money spent. I was delighted and was about to apply for it when somewhere deep inside the fine print was a line '*Earnings can be used toward a new Chevrolet, Buick, GMC or Cadillac ...
by LazyNihilist
Sun Aug 17, 2014 12:53 pm
 
Forum: Personal Consumer Issues
Topic: Capital One BuyPower Card with 5% Earnings
Replies: 1
Views: 1059

Re: Berkshire Hathaway - Warren Buffett - Anyone own the sto

I own a single share of BRK.B. That's all I need to get 8% off my Geico premium! Is this true? I use GEICO for all my insurance. After reading this I immediately got 1 share of BRK.B and received a 1.6% discount from Geico Auto Insurance. Was expecting 20% :greedy , but was already getting around 1...
by LazyNihilist
Sun Aug 17, 2014 12:15 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway - Warren Buffett - Anyone own the stock?
Replies: 110
Views: 10072

Re: Verizon Issue advice

Sorry about your mother.
I've had similar experience with Verizon billing/customer service. After I cancelled my account, I had to call them at least 4-5 times to get back the money I was owed.
I find having a prepaid service avoids lots of hassle. I am on T-Mobile pay as you go and it works good.
by LazyNihilist
Fri Jul 25, 2014 6:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Verizon Issue advice
Replies: 16
Views: 1358

Re: TV show recommendations?

Just started The Wire (from Netflix).Thanks to those who recommended it Wow, I was not hooked until I got into the 2nd season. In the first season, I could barely comprehend what was going on, mainly due to the difficulty of understanding both the words of the dialog and their meaning (lots and lot...
by LazyNihilist
Mon Jun 09, 2014 9:35 pm
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 144274
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