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Re: My New Car Buying Tips

How would you rate Carsdirect no haggle purchase where they even deliver the car to your door, against the techniques described in this thread? Personally I am tired of the car buying games. With our autocentric society, cars now days are just a required appliance. I don't have to go through all of...
by Ricola
Mon Aug 25, 2014 3:33 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 89
Views: 11900

Re: My New Car Buying Tips

How would you rate Carsdirect no haggle purchase where they even deliver the car to your door, against the techniques described in this thread? Personally I am tired of the car buying games. With our autocentric society, cars now days are just a required appliance. I don't have to go through all of ...
by Ricola
Mon Aug 25, 2014 1:35 pm
 
Forum: Personal Consumer Issues
Topic: My New Car Buying Tips
Replies: 89
Views: 11900

Re: What Book Are You Currently Reading? Part V

The Kill Room by Jeffery Deaver

This is the first of his novels that I am reading. Also just received the movie The Bone Collector which is the same novel character. I'll give it whirl.
by Ricola
Sat Aug 23, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: What Book Are You Currently Reading? Part V

Operation Shakespeare: The True Story of an Elite International Sting by John Shiffman

A behinds the scenes look at the hidden arms trade business.
by Ricola
Tue Aug 19, 2014 4:40 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: Who sells fresh coffee that is not as strong as Starbuck

Dennys has always had great coffee, they even have a light or dark version now. McDonalds is good, good taste but not too strong. Guess you could check the grams of caffeine. I believe McDonalds small cup is about 95 g vs Starbucks maybe 300.
by Ricola
Fri Aug 15, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: Who sells fresh coffee that is not as strong as Starbucks?
Replies: 50
Views: 2306

Re: The (un)freshness of Starbucks bakery products

I prefer McDonalds, coffee is good and sausage egg mcmuffin is always fresh.
by Ricola
Fri Aug 15, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: The (un)freshness of Starbucks bakery products
Replies: 49
Views: 4466

Re: Dave Ramsey still defending 12% and still angry at "nerd

Who is Dave Ramsey :?: No, please don't tell me.
by Ricola
Sun Aug 10, 2014 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22490

Re: Need for International Investing ?

Hi Tomd37, I am 50 years old and have never invested in a separate international fund, I started investing at 30. There was a time a few years ago I questioned my decision on not holding international and asked the question on these boards, and some very intelligent people made a good case for it, ...
by Ricola
Sun Aug 10, 2014 2:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2613

Re: Most Hated Brokerage Firm?

I hated Charles Schwab brokerage service for a time. Many years ago they were the self service low cost brokerage. I use them and even had a profession account with them. I thought they were the best and was happy with their service, support, statements, and ease of use. Then they had new VP that wa...
by Ricola
Sun Aug 10, 2014 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 74
Views: 7328

Re: Sources for Discovering Dishwasher Quality

Whirlpool has been good to me. Replaced most GE items with Whirlpool. I like to talk to the installers and repair persons. They told me GE was good for repair business and they thought Whirlpool the best. Our Whirlpool dishwasher takes a beating and keeps on doing a good job. Using Cascade brand det...
by Ricola
Sun Aug 10, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Sources for Discovering Dishwasher Quality
Replies: 36
Views: 1820

Re: What Book Are You Currently Reading? Part V

A Spy Among Friends: Kim Philby and the Great Betrayal by Ben Macintyre

Enjoyable journey into understanding the life of Kim Philby.
by Ricola
Sun Aug 10, 2014 11:26 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: What Book Are You Currently Reading? Part V

House and Philosophy: Everybody Lies by Henry Jacoby
also
Duty: Memoirs of a Secretary at War by Robert M Gates

Both very good
by Ricola
Fri Aug 01, 2014 6:14 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: Real wages in Stockholm 1540-1900

In the U.S., believe the trend is well documented that labor has suffered/sacrificed to the benefit of productivity and capital, think...Occupy Wall Street. Can only hope this doesn't turn into a calamity. :|
by Ricola
Sat Jun 07, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Real wages in Stockholm 1540-1900
Replies: 13
Views: 1577

Re: Why have Treasury Bonds been such good diversifiers late

Appears at least for the last 10 years that the combination of VTI/TLT beat VTI/BND. But for the next 10 years the opposite could be true.
by Ricola
Sat May 31, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why have Treasury Bonds been such good diversifiers lately?
Replies: 8
Views: 1019

Re: How do you dress for work travel?

So say to avoid synthetics and rubber materials as they will melt easily with heat, best to wear a leather jacket and leather shoes.
by Ricola
Tue May 27, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: How do you dress for work travel?
Replies: 21
Views: 1874

Re: What would be considered the best Boglehead car?

Ingvar Kamprad, founder of Ikea, drives 1993 Volvo 240. http://blog.cargurus.com/2012/05/04/if-you-were-the-richest-person-in-the-world-what-would-you-drive We still have our 1992 Volvo that my teenager uses. Unfortunately Volvo does not make these anymore, they are built like tanks and will probabl...
by Ricola
Tue May 27, 2014 1:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: What would be considered the best Boglehead car?
Replies: 43
Views: 4169

Re: Jack Bogle - International Bonds

I always pay attention when Jack Bogle speaks. What did he mean by "they have hedging costs"?
by Ricola
Tue May 27, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3232

Re: What Book Are You Currently Reading? Part V

The Wolf of Wall Street (Movie Tie-in Edition) Jordan Belfort When I saw the movie I thought it had to be over-the-top, but after researching a little realized the real story is even more true and outrageous. While reading I can understand how Tony Chong (of Cheech and Chong), Jordan Belfort's priso...
by Ricola
Mon May 26, 2014 7:49 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: Blocking posters

Image

You Bad... Bro? :)
by Ricola
Mon May 26, 2014 2:27 pm
 
Forum: Forum Issues and Administration
Topic: Blocking posters
Replies: 19
Views: 1527

Re: What Book Are You Currently Reading? Part V

Mary Poppins , by P. L. Travers. I have the odd idea that I might have read some of her other Mary Poppins books, but not the first one. Wonderful. Yes, of course it was triggered by watching "Saving Mr. Banks" a couple of months ago; wonderful movie and not only found Hanks' portrayal of...
by Ricola
Sat May 17, 2014 1:37 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: What Book Are You Currently Reading? Part V

Now reading: The Singularity Is Near: When Humans Transcend Biology by Ray Kurzweil Did you know that a simple rock has trillions of atoms with moving electrons. And those atoms are arranged randomly, and if they could be organized and used as a computer, that computer would be equal to the computin...
by Ricola
Sat May 17, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: UCLA vs USC Decision [Which college to attend]

If we decided on a school only based on cost, we would all go to Fresno State. Or, perhaps, UC Merced. Can anyone explain to me why the Regents, in their infinite wisdom, built a campus in Merced? I read some years ago that the biggest issue on campus was gophers. We are heading off topic, but the ...
by Ricola
Sat May 17, 2014 12:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: UCLA vs USC Decision [Which college to attend]
Replies: 62
Views: 3714

Re: Replace Gas Guzzler with Toyota Prius Lease?

There is a lot of FUD and misinformation in the replies to this thread. http://en.wikipedia.org/wiki/Fear,_uncertainty_and_doubt I own a Prius. I drive 90% freeway miles and get fantastic fuel economy. According to EPA, highway fuel economy for the Prius is highest of any vehicle powered by gasolin...
by Ricola
Sat May 17, 2014 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Replace Gas Guzzler with Toyota Prius Lease?
Replies: 24
Views: 1900

Re: Is social security a good investment?

Yes, it is a good investment as a country. PRESIDENTIAL STATEMENT SIGNING THE SOCIAL SECURITY ACT. AUGUST 14,1935 Today a hope of many years' standing is in large part fulfilled. The civilization of the past hundred years, with its startling industrial changes, has tended more and more to make life ...
by Ricola
Tue Apr 22, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Is social security a good investment?
Replies: 33
Views: 2240

Re: Google Voice Not Supported on OBi Devices After May 15 2

I'll again suggest looking through the other providers you can use with an Obi. OBiTALK Compatible Service Providers: Anveo Broadvoice Callcentric CallWithUs Localphone OneSuite Phone Power Vitelity VoIP.ms VOIPo If you already have an Obi my opinion would be to switch to one above. We use voip.ms,...
by Ricola
Sat Apr 19, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 97
Views: 10113

Re: Google Voice Not Supported on OBi Devices After May 15 2

runner9 wrote:Lots of voip.ms help on their wiki:

http://wiki.voip.ms/article/Welcome

I did several chat sessions with them from the voip.ms page and they were very helpful and with very limited wait times.


Is this the setup guide you used? http://wiki.voip.ms/article/OBi_100/110 :oops:
by Ricola
Sat Apr 19, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 97
Views: 10113

Re: Google Voice Not Supported on OBi Devices After May 15 2

I added voip.ms as a 2nd provider and will ride google voice to its end on my obi. Afterwards will still keep my main number on GV and just forward it to the new number on voip.ms It is not free but cheap enough. We are not using our land line too much so per minute costs don't play a huge role. We...
by Ricola
Sat Apr 19, 2014 2:48 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 97
Views: 10113

Should I be afraid to upgrade from windows 8.0 to 8.1?

We have a couple of new window 8.0 desktop machines that keep asking to be upgraded to 8.1. Web investigations indicate others have experienced problems during the upgrading process and had to revert back to 8.0. This means we will need a couple of 32GB flash drives to copy the 8.0 OS in case we get...
by Ricola
Tue Apr 08, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I be afraid to upgrade from windows 8.0 to 8.1?
Replies: 6
Views: 572

Re: U.S. stocks in freefall

I dropped some coin into the market today, that's a buy signal for me. :sharebeer
by Ricola
Mon Apr 07, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 135318

Re: Why is Joe Brennan defending high frequency trading?

Just stumpled upon this article, and was surprised to see Joe Brennan's position: http://www.bloomberg.com/news/2014-04-03/vanguard-says-minority-of-high-speed-traders-may-abuse.html Regulators should seek ways to prevent abuses without blocking high-speed firms that may actually benefit investors ...
by Ricola
Sat Apr 05, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 6005

Re: Buying first home in SF - gut check

I may be moving back to SF and have been looking at places to live. As an out of state rental property owner I have a slightly different perspective on property than a home owner. A rule of thumb for valuing a rental property is that the monthly rent should be at least 1% of the purchase price (2% ...
by Ricola
Sat Apr 05, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 93
Views: 9996

Re: Auto repair - "Threads getting thin in oil pan drain plu

I use Fumoto valves on all of my cars and install them as soon as I get a car. I have a car that is over 20 years old, still be driven with the original Fumoto value, never had a problem. :)

http://www.fumotousa.com/
by Ricola
Sat Mar 29, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 2566

Re: [High-frequency trading hurts regular customers]

I can Suggest the following books: Dark Pool and Quants by Scott Patterson. Real eye-openers. Artificial intelligent algorithms or bots searching for and taking advantage of large fund company trades and lots of other shenanigans. I' am looking forward to watching the Michael Lewis interview. http:/...
by Ricola
Sat Mar 29, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 7080

Re: What's your dream car?

For commuting I dream of driving a CHP car. I wouldn't have to abide by any speed limits or any other mortal driving rules, and the intimidation factor cannot be beat. :)

Image
by Ricola
Mon Mar 17, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 185
Views: 11045

Re: What Book Are You Currently Reading? Part V

Biocentrism: How Life and Consciousness are the Keys to Understanding the True Nature of the Universe, by Robert Lanza The Fabric of the Cosmos: Space, Time, and the Texture of Reality, by Brian Greene Quantum: Einstein, Bohr, and the Great Debate about the Nature of Reality "Quantum theory is ...
by Ricola
Wed Mar 12, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3253
Views: 1108421

Re: Market Crash Stategies?

Understand first that the stock market is risky. Meaning it is full of the possibility of danger, failure, or loss. Assume the stock market will crash at some unknown time. The depth and breadth will be unknown. Also, realize that the stock market can produce higher returns than most other passive i...
by Ricola
Thu Feb 20, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3308

Re: Met a guy at an HFT firm - keeps all his money in cash!?

Not sure if I understand. He makes his money from HFT trades, or he makes his money from his HFT business? If it's just his business, well that could be something like a fund or hedge manager making money from clients, not investments. If he makes his money from using "very low-volatility, high...
by Ricola
Fri Feb 07, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Met a guy at an HFT firm - keeps all his money in cash!?
Replies: 26
Views: 2859

Re: The inevitability of rising inflation--is it so?

Inflation seems unlikely or at least unlikely to sustain itself for any significant period when reading articles such as this:
http://www.nytimes.com/2014/01/03/world ... world&_r=0
by Ricola
Sat Jan 04, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: The inevitability of rising inflation--is it so?
Replies: 130
Views: 7493

Re: Invest all at once or DCA-one of most asked questions I

I followed this advice as well and went all in. It was summer of 2007. One of the worst times ever to follow this advice. All I can say is that even though lump sum has a higher probability over DCA, you better make sure you can tolerate the losses if it doesn't. Because there are times when it doe...
by Ricola
Fri Jan 03, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Invest all at once or DCA-one of most asked questions I get
Replies: 125
Views: 5589

Re: Frugal suit purchase options--need, but don't want

Aesthetics, ethics, and many good things in humans are contagious.”
― Nassim Nicholas Taleb
by Ricola
Thu Jan 02, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Frugal suit purchase options--need, but don't want
Replies: 52
Views: 4804

Re: The inevitability of rising inflation--is it so?

I liked Larry's article. Personally, with poor Jobs growth and Real Income of the labor force continuing to decline I am not worried about inflation.

http://go.bloomberg.com/market-now/2013 ... ng-income/
by Ricola
Wed Jan 01, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: The inevitability of rising inflation--is it so?
Replies: 130
Views: 7493

Re: Just returned new laptop with Window 8.1

Similarly, I replaced my desktop last week with a new dell which has windows 8. As with our other windows 8 computer, I immediately downloaded ClassicShell and configured so I never see the metro screen. However after reading about windows 8.1 upgrade comments I am going to stick with 8 until I hear...
by Ricola
Fri Dec 27, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 8710

Re: Best Human Capital investment

"daughter #1 just finished her PhD in molecular biochemistry. at a Top Ranked University. She was on a full ride so no tuition." Congratulations Dad and Daughter :sharebeer With the money you saved and the lifetime accomplishment she has earned, why are you even thinking about lost opportu...
by Ricola
Thu Dec 19, 2013 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Human Capital investment
Replies: 9
Views: 806

Re: “The Queen of Versailles"

Agree this movie should be mandatory financial education. I suppose what really struck me among other things was the filth tolerated in the house, their business sales hype, the poor servants, and the wink & nod comment about swaying the election. Embarrassing too that the characters encapsulate...
by Ricola
Thu Dec 19, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 2273

Re: Life after Windows XP?

Personally I would not bother trying to upgrade the OS. We had one of our home pc's getting too old and purchased a little 2 core Gateway (see link) at Walmart. It has windows 8 and just download Classic Shell to make it work like XP. It's smooth as silk and easy to use. :D http://www.walmart.com/ip...
by Ricola
Tue Dec 17, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 119
Views: 7810

Re: What's your definition of "drive it into the ground?"

He has done it! - Irv Gordon reaches 3 million miles in his 1966 Volvo 1800S https://www.media.volvocars.com/global/en-gb/media/pressreleases/132627/he-has-done-it-irv-gordon-reaches-3-million-miles-in-his-1966-volvo-1800s Irv's not into the ground yet. I hear he's willing to sell for $1 per mile. :D
by Ricola
Wed Dec 11, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 3580

Re: Windows desktop recommendations

You may want to look at Costco and Costco online. They have a Dell XPS i7 4th generation desktop for $699. Costco also warranties for 2 years. Also a Dell 660 i5 3rd gen for $499, and Dell 660 i3 for $399.
by Ricola
Sun Dec 01, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windows desktop recommendations
Replies: 13
Views: 816

Re: Shiller P/E 10 hits 25

This has got to be the biggest market timing thread on this forum. I'm surprised that market timing has this much support here! This would look more normal on any number of trading forums but not this one. +1 Trees don't grow to the sky, so fear is setting-in. Discussion is all about how thin the a...
by Ricola
Sun Dec 01, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 18898

Re: New PenFed CD rates!

Note the early withdrawal penalties: Certificates with a term of 5 years or greater; (applies only to certificates issued or rolled over on 3/15/11 or later) If redeemed within 365 days of the issue date or any renewal date, all dividends will be forfeited. If redeemed thereafter, but before the mat...
by Ricola
Sun Dec 01, 2013 3:22 am
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 35542
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