Search found 384 matches

by Nicolas
Wed Nov 23, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 12489

Re: How many of you have cut cord?

The word "cord" brings up memories of chopping wood with my father for our house furnace in cold northern Wisconsin winter way back when! :D https://www.youtube.com/watch?v=MLICD83B_qg sschullo: The youtube, too funny, thanks! I just split a cord of wood, myself, and by hand with a wedge....
by Nicolas
Sun Nov 20, 2016 12:59 pm
Forum: Personal Consumer Issues
Topic: Energy Drink Alternatives
Replies: 19
Views: 1066

Re: Energy Drink Alternatives

+1 for black coffee.
by Nicolas
Sun Nov 20, 2016 12:41 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 76
Views: 3710

Re: Fountain Pens - Do you use one?

I'm also a fountain pen aficionado, I love them. Like you, I only use ball points to sign checks, address letters, and the like. Now however, being retired, I have scant opportunity to use them. My favorite pens are a blue-striated Pelikan M600, a pocket Franklin-Christoph, and a restored 1930s Wate...
by Nicolas
Sun Nov 20, 2016 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Synchrony vs Ally
Replies: 37
Views: 3198

Re: Synchrony vs Ally

I recommend Synchrony over Ally. We've had two high yield savings accounts with Synchrony for the past eighteen months and have had no problems whatsoever, they also pay higher interest than Ally.
by Nicolas
Thu Nov 10, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2005
Views: 514790

Re: What Book Are You Currently Reading? Part VI

letsgobobby wrote:Rereading Orwell's 1984...

The Road to Wigan Pier and Down and Out in Paris and London are also enjoyable. Both by Orwell of course.
http://www.planetebook.com/ebooks/Down- ... London.pdf
by Nicolas
Tue Nov 08, 2016 1:49 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5579

Re: Amazon Echo

Isn't anyone concerned about having something constantly listening to everything you say, all the time? That's enough to dissuade me from buying. It hears only the "wake word" locally. They give you a few choices--Alexa, Echo, and Amazon. When it hears that word, it opens the wifi connect...
by Nicolas
Mon Nov 07, 2016 11:42 pm
Forum: Personal Consumer Issues
Topic: Tipping Fedex/UPS guy?
Replies: 53
Views: 10447

Re: Tipping Fedex/UPS guy?

I only tip waiters and I'm sorry to have to do that. Tipping anyone else just feels like throwing money away.
by Nicolas
Mon Nov 07, 2016 11:22 pm
Forum: Personal Consumer Issues
Topic: Recommendations for a Watch/Chronograph
Replies: 8
Views: 570

Re: Recommendations for a Watch/Chronograph

I went "low tech" (RETRO) about six months ago. I bought a windable (no battery, no self wind) watch from amazon.com for about $25. I had to get back in the habit (of 30-40 years ago) of winding it once or twice a day. :happy I also have a manual-wind mechanical watch. It's a Hamilton. Th...
by Nicolas
Mon Nov 07, 2016 11:19 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 53
Views: 5579

Re: Amazon Echo

Isn't anyone concerned about having something constantly listening to everything you say, all the time? That's enough to dissuade me from buying.
by Nicolas
Mon Oct 31, 2016 4:21 pm
Forum: Personal Consumer Issues
Topic: Another Repair or Replace Car Thread
Replies: 27
Views: 1684

Re: Another Repair or Replace Car Thread

I just (yesterday, in fact) replaced the original battery in my 2006 Outback for $63, doing the work myself in my garage in about one hour. That price included the $10 core refund I got for turning in my old battery, and sales tax. All I used was an open end wrench, a deep socket wrench, a wire brus...
by Nicolas
Wed Oct 26, 2016 10:32 pm
Forum: Investing - Theory, News & General
Topic: Individual investors overpay for low priced stocks
Replies: 7
Views: 971

Re: Individual investors overpay for low priced stocks

mikestorm wrote: (think the 5 for 1 split Apple did some years ago).

It was 7-for-1.
by Nicolas
Wed Oct 26, 2016 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Will the market go up or down after the election?
Replies: 24
Views: 2414

Re: Will the market go up or down after the election?

I bet it goes up, however briefly, whoever wins. The market hates uncertainty and that question will have been resolved.
by Nicolas
Thu Oct 20, 2016 11:33 pm
Forum: Investing - Theory, News & General
Topic: "Jack Bogle wouldn’t risk investing outside the US"
Replies: 101
Views: 7211

Re: "Jack Bogle wouldn’t risk investing outside the US"

Vanguard Total World Stock ETF (VT), which 1. Invests in both foreign and U.S. stocks. 2. Seeks to track the performance of the FTSE Global All Cap Index, which covers both well-established and still-developing markets. 3. Has high potential for growth, but also high risk; share value may swing up ...
by Nicolas
Thu Oct 20, 2016 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1585

Re: Securities litigation notice

Hi Copernicus, I also received the same forms. Looks like for each batch of shares involved, we'll have to provide documents. That's a lot of work. As a comparison, I didn't do any work and received a whopping $2 ($1.74 to be exact) from the Janus lawsuit (for the thousands of dollars I lost under ...
by Nicolas
Thu Oct 20, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Securities litigation notice
Replies: 14
Views: 1585

Re: Securities litigation notice

I just read my notice. They estimate the average settlement will be 13 cents per share purchased between 10/31/2000 and 12/16/2004 inclusive. (This is before any fees). I'm part of the class but they demand copies of brokerage statements (or equivalent) showing the dates, number of shares, and cost ...
by Nicolas
Thu Oct 06, 2016 3:54 pm
Forum: Personal Consumer Issues
Topic: Johnnie Walker Blue worth the cost?
Replies: 70
Views: 5411

Re: Johnnie Walker Blue worth the cost?

I'm surprised no-one's mentioned Laphroaig, one of my favorites. It's usually $50 for 750 mL but my Costco sells it for $39. However it's very peaty so probably only an acquired taste for most, though I warmed up to it immediately. Plus along with every bottle comes a code you can use to claim deed ...
by Nicolas
Sun Oct 02, 2016 12:24 pm
Forum: Local Chapters and Bogleheads Community
Topic: How Did You Become A Boglehead? What Led You Here?
Replies: 111
Views: 7122

Re: How Did You Become A Boglehead? What Led You Here?

I was researching an ETF in 2012 and somehow I surfed my way in. Over several years, through reading Bogleheads, it slowly dawned on me that I could retire -- so I did. Thanks Bogleheads!
by Nicolas
Sun Oct 02, 2016 11:41 am
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 34644

Re: The Bogleheads' "100 Things Worth Every Penny" List

parsi1 wrote:A library card. Unlimited entertainment (books, movies, audio, streaming) without any cost


Libraries are supported by taxes. There is cost. Of course you pay those taxes whether you use the library or not.
by Nicolas
Sun Oct 02, 2016 11:10 am
Forum: Personal Finance (Not Investing)
Topic: Need advice on HSA - invested after-tax money by mistake
Replies: 3
Views: 333

Re: Need advice on HSA - invested after-tax money by mistake

You haven't missed out on tax savings. You can deduct the amounts you've personally contributed after-tax provided those amounts combined with your contributions from pretax payroll deduction don't exceed the IRS limits. You enter it on form 8889. In the first years after I established my HSA this i...
by Nicolas
Fri Sep 30, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2080
Views: 507750

Re: What Movie Have You Recently Watched?

The Magnificent Seven (2016) . It's watchable. Here's a review... http://www.newyorker.com/magazine/2016/10/03/the-magnificent-seven-and-goat They should never attempt to remake a Steve McQueen movie. They failed with Thomas Crown and didn't learn their lesson. What's next, trying to recapture the ...
by Nicolas
Fri Sep 30, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2080
Views: 507750

Re: What Movie Have You Recently Watched?

Embrace of the Serpent (2015, Colombia) From IMDB: The story of the relationship between Karamakate, an Amazonian shaman and last survivor of his people, and two scientists who work together over the course of 40 years to search the Amazon for a sacred healing plant. Nominated for Best Foreign Lang...
by Nicolas
Fri Sep 30, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance coverage needed?
Replies: 50
Views: 4584

Re: How much Umbrella Insurance coverage needed?

I have an umbrella policy equal to my net worth, including my home. That's what my agent said that most people get. But the umbrella kicks in after the amount of your underlying coverage is exhausted. So if you had 500K in underlying coverage for example, and you have a 2M net worth, you only need ...
by Nicolas
Fri Sep 30, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 97
Views: 6054

Re: Where/how do Bogleheads get their tires inflated?

Free air at the nearby gas station. I refuse to pay for it, and with this gas station nearby, I don't have to. I top them off about every two to three weeks.
by Nicolas
Fri Sep 30, 2016 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 94
Views: 13503

Re: Where is Livesoft?

Maybe he's with The Munchkin Man.
by Nicolas
Fri Sep 30, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 2412

Re: Please recommend a new tablet

I'm still using the iPad 3rd gen I am as well, which was why the recent release of ios 10 is irritating me. They've discontinued support for the ipad 3rd gen. Only the model after that and newer work. I think they cut it off because it is the last 32 bit ipad. My ipad works as is, of course, but th...
by Nicolas
Thu Sep 29, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 28
Views: 1778

Re: Chimney Help, Please

Our fireplace was falling apart in 2010, the bricks in the firebox were losing their mortar and threatening to collapse. So I called in a chimney repair specialist. He gave us an estimate and also ran a video camera up the flue. He found a crack or cracks partway up and evidence of a previous fire. ...
by Nicolas
Wed Sep 28, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 3005

Re: How closely do you check your credit card statements?

I check each item on every statement. The only problems I've found are magazine subscriptions auto-renewing against my wishes and one time when a waitress increased her tip!
by Nicolas
Wed Sep 28, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5006

Re: Has anyone been tempted to buy AMZN?

There's a story in today's Wall Street Journal that AMZN is moving heavily into shipping with designs on FedEx's and UPS's markets. They're aiming to deliver everybody's stuff, not just their own.

Google this: "Amazon’s Newest Ambition: Competing Directly With UPS, FedEx"
by Nicolas
Wed Sep 28, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Question For Boglehead Coffee Roasters
Replies: 8
Views: 670

Re: Question For Boglehead Coffee Roasters

I've been roasting for 13 years. At first I used Poppery II popcorn poppers. But that took too much time and bother because it required five roasting batches for a pound, which is the amount of coffee I went through per week. It roasted the coffee okay but to have to do five batches was too much. So...
by Nicolas
Wed Sep 28, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 2412

Re: Please recommend a new tablet

I'd buy the latest iPad from Apple's certified refurbished list on Apple.com. Just enter "refurbished" in the search window on Apple.com to get there. I'm still using the iPad 3rd gen that I bought new in March 2012, never had a problem with it. While that one was new, next time, if there ...
by Nicolas
Wed Sep 28, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 77
Views: 5006

Re: Has anyone been tempted to buy AMZN?

Yes I was tempted to buy it when it was $185. I resisted the temptation.
by Nicolas
Tue Sep 27, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade FRIP
Replies: 3
Views: 257

Re: Scottrade FRIP

Yes I've been using their dividend reinvestment plan since they introduced it about a year and a half ago if I remember rightly. It works fine. There are no fees. The shares always seem to be purchased around 2PM Eastern Time for some reason, on whatever day you designate ahead of time. You need to ...
by Nicolas
Sat Sep 24, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 39
Views: 4939

Re: Invest entire $1M windfall now or over time?

On Thursday I sold $715K of a single stock that I held for 38 years, it was my former employer's stock. I immediately reinvested the entire amount into equity index funds. After 38 years it was hard to let go. But lately I became very nervous holding that much of a single issue so I feel a great sen...
by Nicolas
Tue Sep 20, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 275
Views: 34644

Re: The Bogleheads' "100 Things Worth Every Penny" List

Pelikan fountain pens & Pelikan 4001 Blau Schwarz ink
Hamilton wristwatches
Leatherman multitools
Green coffee beans
by Nicolas
Mon Sep 19, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: what to do with old ipad?
Replies: 16
Views: 2136

Re: what to do with old ipad?

Take it to an Apple store genius bar and see if they can do anything with it.
by Nicolas
Wed Sep 14, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 39798

Re: Do you really need 2.5 million to retire well?

I've seen $75k / year discussed a lot as the point where more money doesn't equal more happiness or less stress. Let's use that as a starting point. If you have 2 SS payments where both earners hit the 2nd inflection point, they can expect $24k each at full retirement age. That leaves a gap of $27k...
by Nicolas
Wed Sep 14, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 39798

Re: Do you really need 2.5 million to retire well?

Not to be a downer but... using history as a guide, what impact would a catastrophic event - stock market crash, world war, 9-point quake in major U.S. city, terrorist attack, etc - have on those in retirement? If these things were to happen then a lot of us would die sooner, then no more money wor...
by Nicolas
Wed Sep 14, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10531

Re: Favorite Coffee

Pluses: Rather inexpensive coffee (Average $5/lb) that is fresher and tastes better than almost anything I can get at a store or coffee shop. Always roasted exactly to my taste, as appropriate to the cultivar. It should be noted that unroasted green beans weigh much more than already roasted beans ...
by Nicolas
Wed Sep 14, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 147
Views: 10531

Re: Favorite Coffee

I've been roasting my own since April 2003. This week it's Kenya Nyeri Othaya peaberry! I never buy preroasted beans, only green.
by Nicolas
Wed Sep 14, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 14341

Re: Retirement: Where $200K Will Last 30 Years

BlueCable wrote:
Nicolas wrote:I won't even visit Latin America, much less retire there, until a vaccine is available for the Zika virus.


Unless you are planning on conceiving a child in retirement, why do you care about Zika?


Because it can result in Guillain-Barre syndrome.
by Nicolas
Wed Sep 14, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 14341

Re: Retirement: Where $200K Will Last 30 Years

\ For those interested in a warmer climate and water, Croatia is an option. Victoria Hi, Victoria. I would think that Croatia would get quite chilly in the winter, no? Italy and even Greece do. I was in Bulgaria during the Brezhnev era....1978 I believe. Very beautiful country. Latin America has ma...
by Nicolas
Wed Sep 14, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 1895

Re: 16 GB or 64 GB?

Get the 64, no question. I had a company-mandated 16 GB iPhone 4S and later an iPhone 6 and was always short of space. If it'd been my own phone I would've paid for the extra memory.
by Nicolas
Wed Aug 31, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33726

Re: Frugality regret: What thing do you regret not spending on?

I had a chance to see Jimi Hendrix in concert, in 1970, but I passed it up, though not for financial reasons. He died soon after....
by Nicolas
Mon Aug 29, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 79
Views: 9262

Re: Advice for unemployed 64-year old broke friend

I would take any job, whether it be for a temp agency or greeter at Walmart or whatever before I would ever consider asking friends/relatives for money. If you can't get the job you want, then take the job you can get. I agree so much. I would hate taking money from others. Me too. I was out of wor...
by Nicolas
Sun Aug 28, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 79
Views: 9262

Re: Advice for unemployed 64-year old broke friend

I would take any job, whether it be for a temp agency or greeter at Walmart or whatever before I would ever consider asking friends/relatives for money. If you can't get the job you want, then take the job you can get. I agree so much. I would hate taking money from others. Me too. I was out of wor...
by Nicolas
Sun Aug 28, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2080
Views: 507750

Re: What Movie Have You Recently Watched?

Joy (2015) Jennifer Lawrence, Robt. De Niro. Mildly interesting. Glad I didn't pay to see it. Just OK. But I will say this: My wife is going to buy that mop!
by Nicolas
Sat Aug 27, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2005
Views: 514790

Re: What Book Are You Currently Reading? Part VI

Viking Art by James Graham-Campbell (2013), a part of the Thames & Hudson World of Art series. I find art from the Viking age to be beautiful and the subject interesting. This is a delightful book. I recommend it.
http://www.thamesandhudson.com/Viking_Art/9780500204191
by Nicolas
Thu Aug 25, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2005
Views: 514790

Re: What Book Are You Currently Reading? Part VI

How to Read a Book by Mortimer J. Adler & Charles Van Doren, (1940, revised 1972).
by Nicolas
Mon Aug 22, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank now allows you to submit wire transfers online
Replies: 8
Views: 1283

Re: Ally Bank now allows you to submit wire transfers online

Does Ally do foreign wire transfers, or only domestic?

Edit: Never mind. I just looked it up: They accept incoming foreign wire transfers but no outgoing.
by Nicolas
Wed Aug 17, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3642

Re: Gutters and gutter guards

Church Lady wrote:
I've toyed with the idea of using a drone to peer down into the gutters from above, or a GoPro on a stick.



Hand mirror from Dollar Tree on a stick!


Thanks but the gutters I need to check are pretty far up there, not sure I could see that. But I can try it.

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