Search found 137 matches

by Nicolas
Fri Aug 28, 2015 8:49 pm
Forum: Investing - Theory, News & General
Topic: Cash is king over short-term bonds
Replies: 61
Views: 5485

Re: Cash is king over short-term bonds

One reason I do not use CDs nor have any cash is that I like to use my bond funds for rebalancing my asset allocation as needed. I would hate to have to break in a CD in order to buy some equity ETFs when those equity ETFs have dropped 10% to 30% anomalously on a Monday morning. That's an important...
by Nicolas
Wed Aug 26, 2015 2:22 pm
Forum: Personal Consumer Issues
Topic: Keezel Connectivity Device
Replies: 4
Views: 927

Re: Keezel Connectivity Device

What's the advantage of having such a device? You can get a lifetime subscription to VPN Unlimited for $37, I did. What would this device offer you that a VPN service wouldn't?
by Nicolas
Sat Aug 22, 2015 8:38 pm
Forum: Investing - Theory, News & General
Topic: "Stocks for the Long Run? Really?
Replies: 29
Views: 4684

Re: "Stocks for the Long Run? Really?

This century began on January 1, 2001, not 2000.
https://en.m.wikipedia.org/wiki/21st_century

"The 21st century is the current century of the Anno Domini era or the Common Era, in accordance with the Gregorian calendar. It began on January 1, 2001, and will end on December 31, 2100."
by Nicolas
Tue Aug 18, 2015 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Leaving money in stocks
Replies: 18
Views: 2278

Re: Leaving money in stocks

deleted
by Nicolas
Tue Aug 18, 2015 10:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to spend more and not feel bad about it
Replies: 56
Views: 5759

Re: How to spend more and not feel bad about it

PoppyA wrote: pay for the Mom's & kids lunch in the beater car behind you in line at McDonalds.

Maybe that mom in the beater is richer than you are. I drive a 19-year-old beater and I'm not poor.
by Nicolas
Sun Aug 16, 2015 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cash in the house
Replies: 80
Views: 6611

Re: Cash in the house

No, too risky. I only keep some spending cash in my wallet, maybe $40-$50, mostly not even that. I pay for everything with credit cards now, not much use for cash. After my wife's father died she found $10,000 in cash in his basement that nobody knew about, not even his wife. It was mostly in 100s, ...
by Nicolas
Sat Aug 15, 2015 9:19 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 72
Views: 9875

Re: favorite bogleheads posts?

BostonBoy wrote:
Riprap wrote:Just about anything by The Munchkin Man.

+1

+2
by Nicolas
Tue Aug 11, 2015 8:22 pm
Forum: Personal Finance (Not Investing)
Topic: Your First Job
Replies: 113
Views: 6573

Re: Your First Job

I set up the little dolls at the carnival ball-throwing game, so that bikers could try to knock them down to win teddy-bears for their girlfriends. I think I made something like 50 cents an hour.
by Nicolas
Tue Aug 11, 2015 6:49 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 2947

Re: Unclaimed property

It took me about 3 months to get some unclaimed property back. First was like $15 from Intuit - must have been a turbotax rebate or something from over a decade ago. The second were for shares of stock in TravelZoo that were liquidated (the company was giving out stock back in the 90's just for sig...
by Nicolas
Mon Aug 10, 2015 8:06 pm
Forum: Personal Consumer Issues
Topic: Boglehead Hawaii
Replies: 28
Views: 2889

Re: Boglehead Hawaii

We've been to the Big Island three times, the last just this April. Expenses will be a bit higher but not overly so, I wouldn't worry about it. I recommend Volcanoes Nat'l Park (hike across Kīlauea Iki crater), and for a snack on the way, and also not far from the black sand beach, "the souther...
by Nicolas
Mon Aug 10, 2015 6:58 pm
Forum: Investing - Theory, News & General
Topic: Buffett: Stocks Will Be Much Higher
Replies: 25
Views: 5081

Re: Buffett: Stocks Will Be Much Higher

It's always nice to hear WB's voice of reason. Remember back in 1998/1999 when magazine covers started popping up "Has Buffett Lost His Touch?" :D John Templeton was always fun to watch also. He's gone now of course. I used to watch him on Wall $treet Week . Poor WB probably doesn't have ...
by Nicolas
Mon Aug 10, 2015 6:39 pm
Forum: Investing - Theory, News & General
Topic: "Seek Investment Love, not Lust"
Replies: 4
Views: 616

Re: "Seek Investment Love, not Lust"

Me like. I walked down that road too many times.
by Nicolas
Mon Aug 10, 2015 6:31 pm
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 2947

Re: Unclaimed property

I just received a check for $2K for my mother-in-law from my state for the unclaimed property due her late husband. Without this forum I never would've thought to inquire about it. In time it would've reverted to the state treasury, no doubt. So thanks, Bogleheads!
by Nicolas
Sun Aug 09, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: December Vacation
Replies: 17
Views: 1702

Re: December Vacation

I've heard Capri is nice.

Edit: Never mind, probably too far away for you. Also average December temperatures are too low: 6 to 14 Celsius.
by Nicolas
Fri Aug 07, 2015 8:57 pm
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3975

Re: iPad - usefulness?

I love my iPad -- too much. It's a 3rd gen which I bought upon its release in March 2012. I use it for almost all of my web browsing, the reading of my local newspaper, and many apps. Recently I subscribed to The Economist and I read that on it too. Full disclosure: Apple stockholder.
by Nicolas
Sat Jul 25, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 176813

Re: What Movie Have You Recently Watched?

The Theory of Everything , bio of Stephen Hawking. It was good. Birdman , Best Picture 2014. I'm watching it right now and not really liking it. Whiplash , scary good. Keys to the Castle , documentary on BBC about an old couple having to sell their Scottish castle after restoring and living in it 5...
by Nicolas
Fri Jul 24, 2015 11:21 pm
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 50
Views: 7640

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

TradingPlaces wrote:I have a few comments:


5. You can involve the police under the senior's exploitation possibility,



The OP's mother "is in her late 50's" -- that's not senior.
by Nicolas
Fri Jul 24, 2015 10:09 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep/park your emergency fund?
Replies: 54
Views: 6487

Re: Where do you keep/park your emergency fund?

Synchrony Bank for me: currently 1.10% per annum. I had to make the switch with the impending closure of GE Interest Plus. It's a good move though as I now enjoy FDIC insurance whereas before, I didn't.
by Nicolas
Fri Jul 24, 2015 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Parent caught up in forex (vietnamese dong) scam... What should I do?
Replies: 50
Views: 7640

Re: Parent caught up in forex (vietnamese dong) scam... What should I do?

The thumbprint is a nice touch. Has anyone here ever had a legitimate transaction that required a fingerprint? Mike Yes, I was asked to leave a thumbprint on the back of a check I wrote to a store in Minneapolis in 1975, even though the amount of the check was only $15 or so. I remember being taken...
by Nicolas
Tue Jul 21, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: El Paso into Juarez - Day trip w/ family - Safe and practical?
Replies: 33
Views: 3121

Re: El Paso into Juarez - Day trip w/ family - Safe and practical?

For several years Ciudad Juarez had the highest homicide rate per capita in the world. There has apparently been some progress although I too would not consider taking my wife and kids on an afternoon walk there. I've read several articles which commented on the reduction in homicides, yet comparin...
by Nicolas
Sun Jul 19, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: Scotland / Ireland Castles?
Replies: 29
Views: 2812

Re: Scotland / Ireland Castles?

Urquhart castle on the shore of Loch Ness is fun though partly a ruin. And who knows, you might see the monster. We were there in 2011. There is an entrance fee.
by Nicolas
Thu Jul 16, 2015 8:00 pm
Forum: Personal Consumer Issues
Topic: What to do with bill received for prior homeowner
Replies: 41
Views: 3789

Re: What to do with bill received for prior homeowner

Write return to sender, address unknown on it. Bonus points for an Elvis curled lip. You young 'uns, never mind. I was singing that song in my mind too when I first read that post. ...No such number, no such zone... I still receive mail for my former owner once in a while and it's been more than tw...
by Nicolas
Mon Jul 13, 2015 10:34 pm
Forum: Personal Consumer Issues
Topic: Are you going to shop on Prime Day?
Replies: 89
Views: 8004

Re: Are you going to shop on Prime Day?

I do plan to look around that day to see what's being offered, though I don't really need or desperately want anything, and I have no strategies.
by Nicolas
Mon Jul 13, 2015 8:13 pm
Forum: Investing - Theory, News & General
Topic: What 2008/09 has done to me
Replies: 158
Views: 19714

Re: What 2008/09 has done to me

I was laid off once , back in the day from a job paying $2.25/hour with zero benefits, none, and as I recall it didn't affect me much. I was single and still living at home, so basically no expenses. I'm making a bit more than that now and after many years with my current employer I'm wishing for a ...
by Nicolas
Wed Jul 08, 2015 11:24 pm
Forum: Personal Consumer Issues
Topic: What antivirus software?
Replies: 47
Views: 3287

Re: What antivirus software?

I've been using the free version of Avast! for something like three or four years now and never had a problem. It's warned of potential infections and malicious websites I was about to enter, etc. I'm happy with them and can't complain about the price.
by Nicolas
Sun Jul 05, 2015 8:11 pm
Forum: Investing - Theory, News & General
Topic: BullionDirect.com suspends operations. Looks like another implosion/scam
Replies: 67
Views: 6411

Re: BullionDirect.com suspends operations. Looks like another implosion/scam

Pantsmachine, Where do you keep your gold? Keeping it at my house, or anywhere really, would make me very nervous. Have you ever seen the movie In Cold Blood? Also there's a story (which might be apocryphal) that when WC Fields was on the vaudeville circuit he demanded to be paid only in gold bullio...
by Nicolas
Fri Jul 03, 2015 8:58 pm
Forum: Investing - Theory, News & General
Topic: How did you start?
Replies: 35
Views: 3676

Re: How did you start?

Wall $treet Week, with Louis Rukeyser, my favorite TV program. What a guy.
by Nicolas
Fri Jul 03, 2015 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 95
Views: 9479

Re: What age did you become debt free and what opportunities did it create?

I became totally debt-free and have remained so since. Never again will I be a debtor. It enabled me to max out both of our Roth IRAs and my 401K every year since, which I couldn't do previously. And it has afforded me great peace of mind.
by Nicolas
Tue Jun 30, 2015 11:26 pm
Forum: Personal Consumer Issues
Topic: French Presses: Glass Carafes vs. Stainless Steel Presses
Replies: 16
Views: 2274

Re: French Presses: Glass Carafes vs. Stainless Steel Presses

I was all set to order a stainless steel french press so as to avoid the all-too-frequent glass breakage problem at my house when I came upon an interesting review at Amazon (see link). According to this reviewer (not me or anyone I know) the stainless steel innards rub against the stainless steel w...
by Nicolas
Sat Jun 27, 2015 9:16 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3322

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

I took a 25" TV I'd bought in 1995 to Goodwill about three years ago when I moved. They took it. They also took an old 17" computer monitor. The Goodwills in my area stopped taking them a year or so ago. Before that they were selling them in their stores for around $1.50 for big working c...
by Nicolas
Sat Jun 27, 2015 4:01 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3322

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Rent a trailer and take it the once-a-year event.
by Nicolas
Thu Jun 25, 2015 8:20 am
Forum: Personal Consumer Issues
Topic: 10 year old car
Replies: 27
Views: 3355

Re: 10 year old car

Don't do it, it would be a waste of money. I drive a 19 year old Toyota beater and all I do is change the oil. I don't even wash it.
by Nicolas
Tue Jun 23, 2015 8:25 pm
Forum: Personal Consumer Issues
Topic: Convince me not to buy Porsche
Replies: 190
Views: 16149

Re: Convince me not to buy Porsche

If I were you I'd try to forget about it. Don't do it, it won't be worth it in the end. The desire will pass with time. You're better off investing the money for the long run.
by Nicolas
Tue Jun 16, 2015 6:57 pm
Forum: Personal Consumer Issues
Topic: Most Beautiful Nature Destinations
Replies: 50
Views: 6626

Re: Most Beautiful Nature Destinations

Olympus Mons -- on Mars. It's supposed to be one of the most stunning locations in the solar system. I didn't say I could get there but I'd like to visit it.
http://www.universetoday.com/14849/olym ... s-on-mars/
by Nicolas
Sat Jun 06, 2015 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Unclaimed property
Replies: 28
Views: 2947

Re: Unclaimed property

I found four unclaimed properties in the name of my late father-in-law totaling some $2200. I filed for them a week or so ago on behalf of his widow.
by Nicolas
Fri Jun 05, 2015 10:02 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 75
Views: 9645

Re: Stanley Kubrick's 2001 a space odyssey

The most memorable scene in this movie for me was when the ape hurls the bone-weapon upward and it becomes a space ship in the next instant. This, to me, was absolutely electrifying. I saw the film on its initial release on a huge screen, the kind that don't exist anymore. Kubrick was a renowned per...
by Nicolas
Fri May 29, 2015 6:31 pm
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 86
Views: 9937

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: 3085

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: 7610

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: 7610

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: 26
Views: 2708

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: 1049
Views: 176813

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: 961

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: 64
Views: 7506

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: 64
Views: 7506

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: 18119

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: 2005

Re: Florida Vacation

Sanibel island -- for the shells.

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