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by Nicolas
Fri May 29, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9133

Re: I found a new coffee.

i'vew been buying from RedBirdCoffee.com for yrs- their espresso blends are good, priced reasonably & free priority mail shipping is important for us in Hawaii. Though many swear by roasting their own, i'm told green beans can't be shipped into Hawaii due to state restrictions. This is probably...
by Nicolas
Tue May 26, 2015 7:31 pm
Forum: Personal Consumer Issues
Topic: Window replacement -- Renewal by Andersen?
Replies: 31
Views: 2279

Re: Window replacement -- Renewal by Andersen?

Our house was built in 1990-1991. We replaced most of our big windows with Renewal by Andersen when the federal tax credits were offered as part of the economic recovery during the great recession. Then a couple of years later we had them come back and replace the patio door. I don't remember any ha...
by Nicolas
Tue May 26, 2015 6:38 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 6354

Re: Once in a life time trip.

I think that 8 yo is too young to appreciate the trip of a lifetime (unless the trip of a lifetime is for you). They will tire easily and not be able to appreciate local cuisine what they are experiencing. If the trip is for them do Orlando. If it is for you, they will be happy as long as the food ...
by Nicolas
Tue May 26, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Once in a life time trip.
Replies: 121
Views: 6354

Re: Once in a life time trip.

Camping in Yellowstone National Park. At eight years of age, this is something they'll never forget. (Thank you President Grant!) Also a lot lighter on the pocketbook than some of the other suggestions.
by Nicolas
Sun May 17, 2015 1:01 pm
Forum: Personal Consumer Issues
Topic: 2 different Cree LED Daylight 60W equivelent bulb options
Replies: 25
Views: 1906

Re: 2 different Cree LED Daylight 60W equivelent bulb options

Here's one for $4.97 from home depot http://www.homedepot.com/p/Cree-60W-Equivalent-Soft-White-2700K-A19-Dimmable-LED-Light-Bulb-BA19-08027OMF-12DE26-2U100/204592770?N=5yc1vZbol#customer_reviews Looks like the diff is the 2700k vs the 5000k which I guess is a difference in color temperatures.. what...
by Nicolas
Sun May 17, 2015 12:20 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

A Man For All Seasons. Best Picture 1967. Recommended.
by Nicolas
Wed May 13, 2015 7:48 pm
Forum: Personal Consumer Issues
Topic: Copper tub and sinks
Replies: 9
Views: 740

Re: Copper tub and sinks

Wouldn't you want to keep the heat in the tub? Copper conducts thermal energy very easily, that's why they make pots and pans out of it. It seems you'd lose the heat from your water pretty quickly, though I admit I've never bathed in one -- a copper tub that is, so I don't have any personal experien...
by Nicolas
Wed May 13, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Philosophies of frugality.
Replies: 60
Views: 5836

Re: Philosophies of frugality.

Yes the small things (like coffee) can add up. But I think a better route is to concentrate on the big buckets. The 3 biggest expenditures most people have are taxes, home, and cars, in that order. As for taxes, contribute to tax privileged retirement accounts, get whatever match is offered. There ...
by Nicolas
Sun May 10, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Philosophies of frugality.
Replies: 60
Views: 5836

Re: Philosophies of frugality.

I like good coffee. Hence, I do not skip on good coffee. Coffee is a nice example. I've been doing blind taste tests with several different brands lately. Walmart coffee is about $3 a pound. It really does taste terrible, even when I don't know that that's what I'm drinking. 8 O'Clock coffee is abo...
by Nicolas
Wed May 06, 2015 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 141
Views: 17043

Re: What job to get to coast to Retirement at age 59 1/2?

Isn't this a repeat of your post from ten months ago?
viewtopic.php?f=2&t=142453
by Nicolas
Mon May 04, 2015 5:28 pm
Forum: Personal Consumer Issues
Topic: Florida Vacation
Replies: 28
Views: 1750

Re: Florida Vacation

Sanibel island -- for the shells.
by Nicolas
Fri May 01, 2015 4:05 pm
Forum: Personal Consumer Issues
Topic: Things to do in Maui
Replies: 20
Views: 1652

Re: Things to do in Maui

Nothing could be finah than to be in Lahaina in the morning.
by Nicolas
Mon Apr 27, 2015 3:08 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 747
Views: 108278

Re: What Book Are You Currently Reading? Part VI

Something Like An Autobiography by Akira Kurosawa, the acclaimed film director. Was it written from multiple, conflicting, points of view? :happy Ha -- very good -- you refer to Rashomon ! Actually he did recognize that he couldn't produce an unbiased autobiography, in fact he said it was impossibl...
by Nicolas
Mon Apr 27, 2015 1:57 pm
Forum: Personal Consumer Issues
Topic: Roasting green coffee beans at home
Replies: 10
Views: 975

Re: Roasting green coffee beans at home

I've been a coffee fan for years. Always looking for the best way to brew my morning cup of coffee. I settled on a french press. Through trial and error, I like the fullness of a french roast. I was wondering if I can improve the experience with roasting my own beans. Need help in selecting the mos...
by Nicolas
Sun Apr 26, 2015 9:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 747
Views: 108278

Re: What Book Are You Currently Reading? Part VI

Something Like An Autobiography by Akira Kurosawa, the acclaimed film director.
by Nicolas
Sun Apr 12, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: how to deal with it [regret over past investing choices]
Replies: 74
Views: 5928

Re: regret and depression...how to deal with it

I lost a million when I was in my 50s!, during the 2000 crash and I don't regret a bit. It was a learning experience and wrote a book about it and just finished another because of the 403(b) experience, by making mistakes all along And doing some things right too. Only a few bogleheads came out of ...
by Nicolas
Sun Apr 12, 2015 12:02 am
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 89
Views: 5382

Re: Favorite Boglehead Avatar?

For some reason, TwoByFour's avatar makes me chuckle about 50% of the time and creeps me out the other 50% of the time. But it's always eye-catching and I think it's probably what I look like hunched over at my desk all day, so I vote for that one: http://www.bogleheads.org/forum/download/file.php?...
by Nicolas
Sat Apr 11, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Cutting the cable cord - how did you do it?
Replies: 110
Views: 9973

Re: Cutting the cable cord - how did you do it?

Some time ago my wife and I cut the cord and bought an antenna and a Tivo with a lifetime subscription (life of the Tivo). So far the Tivo hasn't failed us, and it's been five years. (And if it ever does fail it will likely be the hard drive and I know of a place that sells replacement preloaded har...
by Nicolas
Sat Apr 11, 2015 12:02 pm
Forum: Investing - Theory, News & General
Topic: GE stock up 11% on Friday.
Replies: 19
Views: 2212

Re: GE stock up 11% on Friday.

GE stock soared 11% Friday to close at the highest level since Sept. 8, 2008. http://www.marketwatch.com/story/ges-stock-snaps-out-of-its-15-year-slump-2015-04-10 I bought General Electric in 2008 and made the mistake of purchasing it within an IRA and thereby lost the advantage of TLH. Currently G...
by Nicolas
Fri Apr 10, 2015 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Optum Bank HSA using Admiral shares on Vanguard funds
Replies: 14
Views: 1577

Re: Optum Bank HSA using Admiral shares on Vanguard funds

Huzzah! I'm already invested with Optum Bank for my HSA -- 100% in NAESX. My employer picks up my fees. But after retirement I'll be responsible for the fees.
by Nicolas
Mon Jan 05, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 2976

Re: Vanguard sets record funds inflow, has $3.1 trillion ass

Can someone help me wrap my brain around what 3 trillion looks like :happy Certainly, glad to do it. The weight of 3 trillion atoms of gold is 3 x 10^12 x 197 x 1/(6.02 x 10^23) = 0.00000000098 grams = 0.000000000032 Troy ounces, worth $0.000000037. Wow, that's so little ! I wouldn't have imagined ...
by Nicolas
Wed Dec 31, 2014 8:52 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 17004

Re: Documentaries to recommend?

I'm currently watching Rickover: The Birth Of Nuclear Power which I recorded to my DVR a week or so ago from PBS. Admiral Rickover was an amazing guy and an inspiration. I never knew anything about him prior to this.
http://www.manifoldproductions.com/Admi ... rfilm.html
by Nicolas
Fri Dec 26, 2014 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: What price are you planning to pay for your next car?
Replies: 91
Views: 7447

Re: What price are you planning to pay for your next car?

Whatever a used Subaru Outback costs in 2020.
by Nicolas
Sun Dec 21, 2014 10:48 pm
Forum: Personal Consumer Issues
Topic: What do you splurge on?
Replies: 237
Views: 26006

Re: What do you splurge on?

* Legos (constructing buildings is a good stress reliever for me). Funny you should mention Lego. I have been considering reactivating my childhood passion, adding Lego to my splurge list. I just spent hours at my parents' house reconstructing my 70s-era kits, with the help of online sites, for the...
by Nicolas
Sun Dec 21, 2014 12:36 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is the Munchkin Man?
Replies: 19
Views: 5486

Re: Where is the Munchkin Man?

The Munchkin Man seems to have disappeared again.

The Munchkin Man last logged on exactly 1-1/3 years ago.

I hope all is well with the Munchkin Man!
by Nicolas
Sat Dec 20, 2014 11:24 am
Forum: Personal Consumer Issues
Topic: Gas Prices ($1.99) in North Texas
Replies: 45
Views: 3199

Re: Gas Prices ($1.99) in North Texas

Still too expensive. Wake me when it gets to 25 cents. That's what it was when I started driving.
by Nicolas
Fri Dec 12, 2014 6:37 pm
Forum: Personal Consumer Issues
Topic: Amazon.com price roller coster
Replies: 34
Views: 5698

Re: Amazon.com price roller coster

I use C3 alerts too. I find it a great way to save money. I set a C3 alert to somewhere near its historical low price then I wait for the alert to trip. By the time it trips I don't want it anymore so I never buy.... Saves me a ton of money.
by Nicolas
Wed Dec 10, 2014 8:13 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 747
Views: 108278

Re: What Book Are You Currently Reading? Part VI

A Farewell To Arms by Ernie Hemingway.
by Nicolas
Wed Dec 10, 2014 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: paid-off mortgage yesterday!
Replies: 24
Views: 2812

Re: paid-off mortgage yesterday!

Debt-free since 2003, still working.
by Nicolas
Mon Dec 08, 2014 7:54 pm
Forum: Personal Consumer Issues
Topic: Ad hoc travel to Antarctica
Replies: 51
Views: 2978

Re: Ad hoc travel to Antarctica

Before going read The Worst Journey in the World by Apsley Cherry-Garrard, a member of Captain Scott's support team, & South: The Endurance Expedition by Ernest Shackleton. It should enhance the experience.
by Nicolas
Fri Dec 05, 2014 11:04 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

Requiem for a Heavyweight (1962), Anthony Quinn, Jackie Gleason, Mickey Rooney, Julie Harris, Muhammad Ali (!). Tale of a broken-down boxer at the end of his career, and the whole sordid business of boxing.
Masterful performances, recommended.
by Nicolas
Tue Dec 02, 2014 7:53 pm
Forum: Investing - Help with Personal Investments
Topic: Took the Plunge into the Boglehead Allocation
Replies: 38
Views: 2956

Re: Took the Plunge into the Boglehead Allocation

The last 25, 50, 75, and 100 year periods have had 10.02%, 9.81%, 10.84%, and 10.02% S&P 500 annual returns after reinvested dividends, respectively.

How are the 75 and 100 year periods calculated, as the S&P 500 has only existed since 1957?
by Nicolas
Sun Nov 30, 2014 11:39 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 17004

Re: Documentaries to recommend?

The Last One by Neal Hutcheson, Sucker Punch Pictures. About moonshiner Popcorn Sutton's last run of "likker". http://www.suckerpunchpictures.com/last ... utton.html
by Nicolas
Sat Nov 29, 2014 1:41 pm
Forum: Personal Consumer Issues
Topic: Documentaries to recommend?
Replies: 138
Views: 17004

Re: Documentaries to recommend?

Grizzly Man -- by Werner Herzog. Scary film about Timothy Treadwell and his misguided attempts to live with grizzly bears. Herzog makes some of the most off-beat and interesting films I've seen.

Fat Sick & Nearly Dead -- by Joe Cross. One man's victory over obesity.
by Nicolas
Sat Nov 29, 2014 12:35 pm
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3452

Re: TV buying recommendations

I would buy a plasma now before they're all gone, the last manufacturer is ceasing production. Image quality is superior to LCD and the newer plasma sets use less energy than when they were introduced. There is better contrast, brighter colors, deeper blacks, no motion blur, and the picture quality ...
by Nicolas
Thu Nov 27, 2014 12:37 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18156

Re: "Shot by Robbers, Dies Clutching His Rolex Watch"

Something to consider: Businessman, Shot by Robbers, Dies Clutching His Rolex Watch Man pleads guilty to killing man over fake Rolex Rolex Robbers Guilty of Murdering Millionaire Man U.S. tourist dies in Naples after Rolex assault Best wishes. Taylor If you buy a Rolex, also buy a gun. I was robbed...
by Nicolas
Sat Nov 22, 2014 9:27 pm
Forum: Personal Consumer Issues
Topic: 23 year old... Can I afford a Rolex?
Replies: 167
Views: 18156

Re: 23 year old... Can I afford a Rolex?

I haven't used a watch in 10 years. I was in Las Vegas recently and left my cell phone in my car. I noticed a guy with a big fancy watch so I asked him for the time. Instead of looking at his watch, he dug for his cell phone to get the time. He joked about how he doesn't use his watches to tell tim...
by Nicolas
Fri Nov 21, 2014 11:29 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

Night Train to Munich, English, 1940, with Rex Harrison & Margaret Lockwood, directed by Carol Reed. Cloak and dagger plot set in Germany and England during the time of the invasion of Poland. Recommended.
by Nicolas
Tue Nov 18, 2014 11:49 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

Pinnochio, (2002). Directed by and starring Roberto Benigni, Italian. Live action. Imaginative, charming, and funny. In some parts, touching. See it in the original Italian audio version, not the English-dubbed. Recommended.
by Nicolas
Wed Nov 12, 2014 10:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

We Were Strangers (1949), with Jennifer Jones & John Garfield, directed by John Huston. Cuban revolution in 1933. Funny to see Jennifer Jones blazing away with an AK-47.
by Nicolas
Fri Nov 07, 2014 10:07 pm
Forum: Personal Consumer Issues
Topic: "You're invited to...." (nonsense talk and dinner)
Replies: 108
Views: 12581

Re: "You're invited to...." (nonsense talk and dinner)

I've seen mention of VG treating Flagship Clients to a free dinner in various cities.I've not received any invitation here. I would settle for a free Subway coupon :happy I haven't received any invitation either. But all I really want is a Vanguard coffee cup. :happy Actually,I saw a facebook post ...
by Nicolas
Sun Nov 02, 2014 5:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 849
Views: 119268

Re: What Movie Have You Recently Watched?

The Third Man, with Jos. Cotten, Alida Valli, and Orson Welles, directed by Carol Reed, 1949. A must-see classic!

The Man Who Would Be King, with Michael & Shakira Caine and Sean Connery, directed by John Huston, 1975.
by Nicolas
Tue Oct 07, 2014 7:43 pm
Forum: Personal Consumer Issues
Topic: Fleetwood Mac tour
Replies: 14
Views: 1510

Re: Fleetwood Mac tour

I quit going to rock concerts altogether as I gradually realized I wasn't having fun anymore and after the show was over I quickly forgot the experience and was out the money. I only go to the symphony now. A co-worker friend of mine went to see Eric Clapton in front row seats a few years ago. I ask...
by Nicolas
Tue Oct 07, 2014 6:41 pm
Forum: Personal Consumer Issues
Topic: Tell me about Paris
Replies: 65
Views: 4424

Re: Tell me about Paris

I wouldn't avoid the metro in Paris, it's a fun experience, though dirtier than the underground in London, and no escalators. Don't miss Père Lachaise cemetery, I love it there and visit every time I'm in town. Your kids might not like it though. Also Les Invalides was fun, Napoleon's tomb is there....
by Nicolas
Mon Oct 06, 2014 6:44 pm
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 17205

Re: Hamilton watches, worth the money?

Watches don't loose seconds, they lose them.
by Nicolas
Mon Oct 06, 2014 6:28 pm
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 19881

Re: Critically Acclaimed Movies you did not like

Birth of a Nation.
Titanic (except for the actual sinking, I liked that part)
by Nicolas
Sun Oct 05, 2014 10:51 pm
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5812

Re: Billing for annual physicals

I've had problems in the past with routine physicals being billed as office visits rather than preventative (which is covered by my plan). Typically when I call and complain most or all of the bill is re-coded and run through again and the charges are eventually reversed. It has become a bit of a g...
by Nicolas
Sat Oct 04, 2014 1:20 am
Forum: Personal Finance (Not Investing)
Topic: Re: Billing for annual physicals
Replies: 73
Views: 5812

Re: Billing for annual physicals

My wife had her annual free physical recently and during the exam the physician took the initiative to ask her some questions about pre-existing conditions that they were both already aware of and about which they then discussed briefly , that's all. The same as was always done in past years during ...
by Nicolas
Thu Sep 18, 2014 11:24 pm
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 9262

Re: The Roosevelts, PBS special

mickeyd wrote:TR was awarded the Medal of Honor, Noble Peace Prize and elected President of USA. Don't believe that has been done by anyone else.

I'm Dee lighted to be viewing it.


Bully! My wife and I watched every episode and never once did either of us fall asleep -- loved it.

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