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Re: Easy careers to last me to retirement?

Have you considered the nautical life? You could work the barges on the Mississippi, or be a deck hand on a tramp steamer plying the Atlantic. It could be a low-stress change of pace. The sea (or river) air may do you good. Some years ago — never mind how long precisely — having little or no money i...
by Nicolas
Mon Jul 07, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Easy careers to last me to retirement?
Replies: 92
Views: 13542

Re: I found a new coffee.

I try to roast just enough to get through the week. Here is what I am currently using: http://www.sweetmarias.com/store/roast-coffee/air-roasters/westbend-air-crazy.html And a link to how to do it: http://www.sweetmarias.com/airpop/airpopmethod.php This is very cool. We have an air popper that we u...
by Nicolas
Fri Jul 04, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: I found a new coffee.

Nicholas, Thanks for the great reply. I can see that there is a level of dedication required. ("I do my roasting in the garage to avoid dispersing smoke throughout the house.") Not being up to that level, I think will be keeping the "mini" in my "mini-snob" for a while...
by Nicolas
Thu Jul 03, 2014 2:11 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: I found a new coffee.

If you want good coffee, I mean really good coffee, IMO home-roasting is the only way to go. It's cheap too, the green beans are cheap and no special equipment is needed, you can use a popcorn popper. I've been doing it for over 11 years and I'll never stop. I never buy already-roasted coffee. How ...
by Nicolas
Thu Jul 03, 2014 12:41 pm
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: I found a new coffee.

If you want good coffee, I mean really good coffee, IMO home-roasting is the only way to go. It's cheap too, the green beans are cheap and no special equipment is needed, you can use a popcorn popper. I've been doing it for over 11 years and I'll never stop. I never buy already-roasted coffee.
by Nicolas
Thu Jul 03, 2014 8:17 am
 
Forum: Personal Consumer Issues
Topic: I found a new coffee.
Replies: 72
Views: 5248

Re: Vanguard Health Care Fund VGHCX

Wouldn't VHT (Vanguard Health Care ETF) be a better choice? It's not actively managed, it tracks an index, and its expenses are less than half at only 0.14%. Also, its performance is comparable.
by Nicolas
Wed Jul 02, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund VGHCX
Replies: 11
Views: 1409

Re: Dividend Distribution Strategies

When such a dividend is paid, it comes out of the stock or fund price. So nobody gets something for nothing. Example: XYYYX is trading at $100 a share then pays a $10 dividend. The price of XYYYX drops to $90 as soon as the dividend is going to be paid. So your few coworkers were unenlightened and ...
by Nicolas
Wed Jul 02, 2014 8:56 am
 
Forum: Investing - Theory, News & General
Topic: Dividend Distribution Strategies
Replies: 13
Views: 1187

Re: American Automobile Assn (AAA)

Yes but if you call for assistance enough times they might increase your insurance premium as you will be considered higher risk. You avoid that with AAA. As I'm only paying $13/year they'd have to raise it by a LOT just to get up to what AAA charges and even with an older vehicle I've only ever us...
by Nicolas
Tue Jun 24, 2014 11:06 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3397

Re: American Automobile Assn (AAA)

My auto insurance provides roadside assistance for much less than AAA and that includes an 800 number to call to have them dispatch help or if you want to make your own arrangements (like have your local garage tow it in) they will reimburse. Yes but if you call for assistance enough times they mig...
by Nicolas
Mon Jun 23, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3397

Re: Do you see profit or ponzi?

Also -- There is no "Security Exchange Commission", the correct name is "Securities and Exchange Commission" or more precisely, the U.S. Securities and Exchange Commission.
by Nicolas
Sat Jun 21, 2014 9:52 am
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 100
Views: 7025

Re: My first lesson about speculating in individual stocks.

Angelus: When I was a teenager growing up in Miami, I used to take the "Jitney" to Miami Beach to go swimming. On one trip, I was sitting in a jump seat facing two well-dressed businessmen sitting in the back seat discussing a "can't lose" investment. It was stock in a revolutio...
by Nicolas
Mon Jun 16, 2014 8:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: I want to buy a stock.
Replies: 43
Views: 2511

Re: Books that have actually changed your life, in a way.

This may sound facetious but perhaps the "books" with the biggest influence on me were comic books! When I was very young I was having great difficulty with reading and therefore hated it -- until I found comic books. These were primarily the Walt Disney Duck comics: Donald Duck, Uncle Sc...
by Nicolas
Tue May 14, 2013 9:11 pm
 
Forum: Personal Consumer Issues
Topic: Books that have actually changed your life, in a way.
Replies: 149
Views: 9936

Re: How Much Did You Spend on Your Engagement Ring??

0$. I did buy her a wedding ring though. It was $50.
by Nicolas
Thu May 09, 2013 6:48 pm
 
Forum: Personal Consumer Issues
Topic: How Much Did You Spend on Your Engagement Ring??
Replies: 289
Views: 20197

Re: VDIGX

maj wrote:vdigx and the etf vig receive high marks from Morningstar for a managed fund (etf) focusing on highest quality dividend paying stocks. Note: "highest quality, not "highest yielding."

peace


VIG is not the ETF equivalent of VDIGX. According to Vanguard, VIG is equiv. to VDAIX.
by Nicolas
Wed May 08, 2013 9:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: VDIGX (Vanguard Dividend Growth)
Replies: 16
Views: 1794

Re: Any Arbitron raters here?

We did it for three months or so. We earned about $215. As someone else said, you get used to it after awhile. I'd still be doing it but my wife didn't like it so I had to give it up. They won't allow you to continue solo. If you're single, they don't want you? I'm not sure about that. We were adde...
by Nicolas
Thu Feb 14, 2013 9:37 am
 
Forum: Personal Consumer Issues
Topic: Any Arbitron raters here?
Replies: 12
Views: 832

Re: That Frugal Thing You Do

What type of roaster do you have? I've considered doing this for a long time but what little research I've done into roasters has seemed overwhelming and the decent roasters uber-pricey. For the first nine years I used hot air popcorn poppers that I bought at Goodwill stores for $2.99 each. When on...
by Nicolas
Wed Feb 13, 2013 11:29 pm
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96186

Re: What the best value in anti-virus software

I use Avast, it is free, and it is ranked higher than Microsoft Security Essentials on any list I've seen. But MSE is good, too. I'd take either one over McAfee, that's for sure. We have also been using Avast, for free, for the last couple of years. I used to buy Norton, then realized it was just m...
by Nicolas
Wed Feb 13, 2013 9:45 pm
 
Forum: Personal Consumer Issues
Topic: What the best value in anti-virus software
Replies: 63
Views: 4936

Re: Any Arbitron raters here?

We did it for three months or so. We earned about $215. As someone else said, you get used to it after awhile. I'd still be doing it but my wife didn't like it so I had to give it up. They won't allow you to continue solo.
by Nicolas
Wed Feb 13, 2013 9:14 pm
 
Forum: Personal Consumer Issues
Topic: Any Arbitron raters here?
Replies: 12
Views: 832

Re: Home voip options

I've been very happy w/ VOIPO. They usually have a 2 year special and are backed by a very popular web hosting company HostGator. It's $149 for 2 years + $36 for taxes = $185 for 2 years. There is no monthly tax charge as you pay it all up front. Basically it's just like Vonage for MUCH cheaper. No...
by Nicolas
Tue Jan 22, 2013 7:37 pm
 
Forum: Personal Consumer Issues
Topic: Home voip options
Replies: 34
Views: 2496

Re: That Frugal Thing You Do

What type of roaster do you have? I've considered doing this for a long time but what little research I've done into roasters has seemed overwhelming and the decent roasters uber-pricey. For the first nine years I used hot air popcorn poppers that I bought at Goodwill stores for $2.99 each. When on...
by Nicolas
Tue Jan 22, 2013 11:10 am
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96186

Re: That Frugal Thing You Do

I roast my own coffee beans that I buy green for between $2.50 to $4.00 a lb., depending on variety. The quality is as good or better than gourmet whole bean coffee that you might buy at Starbucks or elsewhere for $15/lb. and up. I never drink coffee that's over a week old (since roasting). I genera...
by Nicolas
Tue Jan 22, 2013 12:42 am
 
Forum: Personal Consumer Issues
Topic: That Frugal Thing You Do
Replies: 500
Views: 96186

Re: Your most intense movie scene

City Lights (directed by and starring Charlie Chaplin). The scene where the flower girl recognizes for the first time that the little tramp was her benefactor. Never forget that.
by Nicolas
Tue Jan 15, 2013 9:18 pm
 
Forum: Personal Consumer Issues
Topic: Your most intense movie scene
Replies: 155
Views: 9086

Re: Your Favorite [Travel Destination] on Earth: Where and

Iceland - We visited there last year. It is, in a word, otherworldly. We will go again.
by Nicolas
Sat Sep 01, 2012 10:21 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite [Travel Destination] on Earth: Where and Why?
Replies: 94
Views: 8359

Re: Europe Trip Recommendations

Last year we went to Iceland via Icelandair, and had a memorable time. We stayed in an Air B&B place in Reykjavik, and did the Golden Circle with a rental car, then on to England, Scotland & Wales with another Icelandair flight, and afterward to Paris via the Chunnel. We had a great time. Fr...
by Nicolas
Fri Aug 24, 2012 6:45 pm
 
Forum: Personal Consumer Issues
Topic: Europe Trip Recommendations
Replies: 23
Views: 2969

Re: VIOO vs. IJR

Are there such traders, do you think, that are willing and able to provide this liquidity - and are they on the lookout for such opportunities? Are such traders considered to be market-makers? . Knight Capital... They make tons on arbitrage opportunities like this. They also screwed up a few weeks ...
by Nicolas
Fri Aug 24, 2012 4:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

Re: VIOO vs. IJR

Thanks for the explanation of SEC yield. I'll probably keep this ETF. It's Interesting that not a single share has changed hands so far today, as of this writing at nearly 1pm EDT! Unlike most low-volume ETFs, VIOO doesn't need to trade in order to maintain a price. VIOO and IJR are identical excep...
by Nicolas
Fri Aug 24, 2012 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

Re: VIOO vs. IJR

Grabiner, Thanks for the explanation of SEC yield. I'll probably keep this ETF. It's Interesting that not a single share has changed hands so far today, as of this writing at nearly 1pm EDT! Doesn't matter... As of 1:55 VIOO Bid/Ask: 67.50x100/67.53x100 IJR Bid/Ask 74.80x1400/74.82x800 Keep your or...
by Nicolas
Thu Aug 23, 2012 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

Re: VIOO vs. IJR

Grabiner,

Thanks for the explanation of SEC yield. I'll probably keep this ETF. It's Interesting that not a single share has changed hands so far today, as of this writing at nearly 1pm EDT!
by Nicolas
Thu Aug 23, 2012 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

Re: VIOO vs. IJR

Exactly where are you seeing those dividend figures? I don't know what it is, but it just can't be what you think it is. It has to be some technical issue. I don't know details of how individual ETFs decide when and how to distribute dividends, or what dates they measure between to calculate "...
by Nicolas
Wed Aug 22, 2012 9:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

VIOO vs. IJR

I just bought VIOO yesterday, a bit too hastily, it seems. I was attracted by its lower expenses vs. a very similar ETF: IJR from iShares. But I hadn't considered the higher dividend offered by IJR, which pays 1.2% annually vs. VIOO's 0.70%. (Also VIOO is much more illiquid, another consideration I ...
by Nicolas
Wed Aug 22, 2012 9:10 am
 
Forum: Investing - Help with Personal Investments
Topic: VIOO vs. IJR
Replies: 13
Views: 855

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