Search found 274 matches

by Nicolas
Wed May 25, 2016 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 42
Views: 3444

Re: Role call Warren Buffet 90/10 portfolio

buffet's net worth is 63.3B according to Forbes in 2015. 10% of that is 6.3B--something most people could easily live off of if the 90% disappears. i dont think you should consider using it without considering that context. that being said, i have a 90/10 split, but i have added int'l for more dive...
by Nicolas
Tue May 24, 2016 9:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

mickeyd wrote:Nebraska

What it's like to get old in America. Black/white format actually makes it a better flick.


I'll see anything with Bruce Dern in it. Good film too.
by Nicolas
Mon May 23, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: What was your first investment?
Replies: 105
Views: 3493

Re: What was your first investment?

Weyerhauser stock, 1960. Wish I still had it. I remember I got a dividend check every quarter for $9 and change.
by Nicolas
Sat May 21, 2016 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Optum Bank HSA - Wellington or Total Stock Market Index?
Replies: 11
Views: 1068

Re: Optum Bank HSA - which funds to choose? (new to index fund investing)

I'm in Optum for my HSA. I chose Vanguard Equity-Income and Wellington as I don't know when I'm going to need this money and they seemed to be the cheapest and most conservative of the Vanguard funds being offered at that time. The Life Strategy funds weren't an option then. I think you want to lean...
by Nicolas
Sat May 21, 2016 10:16 pm
Forum: Personal Consumer Issues
Topic: smart phone contact list, android, how to make private?
Replies: 12
Views: 1116

Re: smart phone contact list, android, how to make private?

Your first mistake was joining Facebook at all, even with a pseudonym. I have no solution.
by Nicolas
Sat May 21, 2016 9:53 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Walk Don't Run (1966) Cary Grant, Samantha Eggar, Jim Hutton, bit part by George Takei. Cary Grant is in Tokyo for the 1964 Olympics. He and Jim have to room with Samantha because of the housing shortage due to the Olympics, with all the hilarity that that entails. A great bore, don't bother.
by Nicolas
Tue May 17, 2016 9:11 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 72
Views: 6047

Re: Arrgghhh !!! Windows 10 installed overnight

We started getting W10 reminders maybe a year or so ago. We ignored them and as time went by they became more and more insistent. Then one morning my wife found she couldn't proceed until she acquiesced. She reluctantly installed it and then discovered she hated it. So what did we do? We gave up on ...
by Nicolas
Tue May 17, 2016 7:43 am
Forum: Investing - Help with Personal Investments
Topic: REIT investment
Replies: 27
Views: 2834

Re: REIT investment

livesoft wrote:Presumably you already own Total Stock Market Index funds, so you already have a market share in REITs.


How can Total Stock Market's dividends be 100% qualified if it contains REITs?
REIT dividends, by themselves, are never qualified.
by Nicolas
Tue May 17, 2016 12:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Texas Cyclone (1932) Tim McCoy, Walter Brennan, and a very young John Wayne star in this improbable B-western about an amnesiac cowboy. Unintentionally funny, recommended.
by Nicolas
Mon May 16, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3610

Re: Is it OK to leave home wifi on?

Mine is on all the time. When I'm away I use webcams so as to monitor my house and cats when I'm away. Thus the router needs to be on, though the computer is off. Also I need it to keep my Tivo up to date. I use secure encryption and it is password protected. No worries.
by Nicolas
Sun May 08, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Question for the Bogleheads Millionaires
Replies: 372
Views: 56418

Re: Question for the Bogleheads Millionaires

if i could do it all again, i think being an officer in the air force, for 20 years, on full retirement pension, or a federal firefighter would be the way to go, assuming you could put up with the military for that long. the guarantee pension amounts, seem as good as owning $1M in assets IMHO. Than...
by Nicolas
Sun May 08, 2016 2:28 pm
Forum: Personal Consumer Issues
Topic: So, are Bogleheads Bourbon or Scotch drinkers?
Replies: 115
Views: 7118

Re: So, are Bogleheads Bourbon or Scotch drinkers?

Bjtsven, ha! I'm from Ky and know those fumes well! We drink neither - my husband likes craft beers, and I'm a die hard iced tea drinker, but since today is the Derby, we are having mint tulips with Jim Beam bourbon :D Mint tulips! Sounds mighty tasty, will have to try that. I'm partial to Laphroai...
by Nicolas
Thu May 05, 2016 6:16 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 11994

Re: Sci-Fi ... your favorite movies and episodes??

Thunderbirds (TV series 1965–1966)
The Twilight Zone (TV series 1959–1964), especially To Serve Man!
by Nicolas
Thu May 05, 2016 6:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

I Walk The Line (1970), Gregory Peck, Tuesday Weld(!). Southern sheriff (Peck), who is married, has a midlife crisis and falls for a moonshiner's daughter (Weld) with disastrous results. Music by Johnny Cash. I enjoyed it.
by Nicolas
Thu May 05, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check credit card statements?
Replies: 79
Views: 4271

Re: Do you check credit card statements?

I've got my credit accounts all on auto-pay full-balance so I never forget and miss a payment and never incur any charges. And yes I collect and save all my slips and check them off meticulously. I've caught some errors doing this, such as airline-miles magazine subscriptions auto-renewing at full r...
by Nicolas
Thu May 05, 2016 5:18 pm
Forum: Personal Finance (Not Investing)
Topic: I'm now debt free and...
Replies: 37
Views: 4778

Re: I'm now debt free and...

I've been debt-free since November 2003, and now job-free as well (retired) -- feels great.
by Nicolas
Fri Apr 29, 2016 9:00 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16640

Re: Netflix, Your Current Favorite Show

Valuethinker wrote:
Nicolas wrote:Wolf Hall -- Six part mini-series from BBC. Historical drama of court life in 1500-1538 England. So good!


And more of Mark Rylance, who won the Oscar for "Bridge of Spies" ;-).

A fine actor.
by Nicolas
Wed Apr 27, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16640

Re: Netflix, Your Current Favorite Show

Wolf Hall -- Six part mini-series from BBC. Historical drama of court life in 1500-1538 England. So good!
by Nicolas
Tue Apr 26, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1440

Re: Moths. not burglars, activate lights

I chose motion-activated lights because both of my neighbors have lights that light up the inside of our house all night and I think it's inconsiderate. I thought spooking a burglar occasionally wasn't as bad as shining my floodlights around the neighborhood all night long. However, I don't feel st...
by Nicolas
Sun Apr 24, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 50
Views: 3754

Re: How many "subscriptions" do you have?

Costco Executive - about $50/yr The Atlantic Monthly magazine - $5/yr (for this year; next year, who knows?) Cell Phones - Wife pays < $100/yr to TracFone. I'm using company phone till next week when I retire. I've just ordered TracFone now too. VOIP home phone - about $7/month Symphony season ticke...
by Nicolas
Wed Apr 20, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 181
Views: 22956

Re: I'm Calling an Emerging Markets Bottom

True, you don't need to know if the fund invests in China, Chile or Czechoslovakia to invest. You don't even need t know the name of the fund. All you really need is the symbol, VWO. And maybe a chart or some anecdotal information get the timing right. Nobody's investing in Czechoslovakia, it doesn...
by Nicolas
Mon Apr 18, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4811

Re: How Did You File Your Income Taxes for 2015?

Turbotax. E-filed federal because it was free. Mailed hard copy state because e-file wasn't free. That's what I did too. Federal e-file was free, state e-file would've been $24.99. I'm not going to spend that much money for the convenience of avoiding printing out the forms and mailing them in! My ...
by Nicolas
Sat Apr 16, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Nothing In Common (1986) Tom Hanks, Jackie Gleason. Utter dreck.
by Nicolas
Fri Apr 15, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Mr. Moto Takes a Chance (1938) Peter Lorre, Rochelle Hudson. Saturday afternoon fare. Kind of fun.
by Nicolas
Tue Apr 12, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds are such a lousy investment
Replies: 43
Views: 5088

Re: Bonds are such a lousy investment

Looking back is never the same as looking forward (although much easier), but... In the past 5 years, an investor in VBMFX (total bond market) has gained 3.6% annualized. Inflation (measured by I-Bond returns, sorry I'm lazy) was about 1.8% annualized. So, you would have gotten 1.8% REAL for 5 year...
by Nicolas
Thu Apr 07, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2705

Re: Cruise trip - Money saving tips

We took a Disney cruise to the Bahamas in '08. My advice is to not book the upscale restaurant, it's not worth it in our opinion. We did and regretted it. The food was good but not worth the extra $$$. The other free restaurants are very good. There's no need to pay for a meal.
by Nicolas
Thu Apr 07, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8816

Re: I'm Addicted

.....
by Nicolas
Thu Apr 07, 2016 6:18 pm
Forum: Personal Consumer Issues
Topic: Pungent smell from kitchen faucet
Replies: 11
Views: 951

Re: Pungent smell from kitchen faucet

In my case it wasn't just the kitchen faucet, but the shower also. That's what led me to the water heater.
by Nicolas
Thu Apr 07, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Pungent smell from kitchen faucet
Replies: 11
Views: 951

Re: Pungent smell from kitchen faucet

It's probably a harmless bacterial growth in your water heater. Harmless except for the smell, that is. We've had the same problem. I read up on it and found advice to open up the water heater and perform some modifications. That sounded like work. To fix it I simply dialed up the water heater tempe...
by Nicolas
Tue Apr 05, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is Liberty Mutual a good company for Auto Insurance?
Replies: 32
Views: 7097

Re: Is Liberty Mutual a good company for Auto Insurance?

abuss368 wrote:What state are you located in?
Wisconsin
by Nicolas
Tue Apr 05, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Liberty Mutual a good company for Auto Insurance?
Replies: 32
Views: 7097

Re: Is Liberty Mutual a good company for Auto Insurance?

I've had Liberty Mutual for our home and auto for the last three years or so. I switched to them upon recommendation of a colleage when my previous insurer raised our homeowners premium a large amount though we filed no claims. They said the losses they incurred due to storm claims necessitated the ...
by Nicolas
Sat Apr 02, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Let No Man Write My Epitaph (1960). James Darren, Burl Ives, Ella Fitzgerald, Shelley Winters, Jean Seberg, Ricardo Montalban. Gritty film noir tear-jerker set in Chicago. A bunch of drug and alcohol-addicted losers band together to save a kid from following in his father's footsteps to the electri...
by Nicolas
Fri Apr 01, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS question
Replies: 15
Views: 1133

Re: Spousal SS question

If the total family benefit is due to only one person's earnings record would it be possible that the SS Administration's "Maximum Family Benefit" rule be invoked here, further limiting total SS income? No. My maxed out and delayed to age 70 SS + wife spousal benefit is definitely not lim...
by Nicolas
Fri Apr 01, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS question
Replies: 15
Views: 1133

Re: Spousal SS question

If the total family benefit is due to only one person's earnings record would it be possible that the SS Administration's "Maximum Family Benefit" rule be invoked here, further limiting total SS income?
by Nicolas
Thu Mar 31, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Buying Washer and Dryer - what to look and where to buy
Replies: 21
Views: 1595

Re: Buying Washer and Dryer - what to look and where to buy

Consumer Reports reviews Washers and Dryers in the latest issue. If you have natural gas in your home, I suggest that vs electricity for the dryer. We used natural gas dryers at first and had problems with them so we switched to an electric unit which we're still using (the same one) with no proble...
by Nicolas
Tue Mar 29, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1631
Views: 340920

Re: What Movie Have You Recently Watched?

Compulsion (1959). Orson Welles, Dean Stockwell, E.G. Marshall. Thinly disguised recounting of the Leopold-Loeb murder case of 1924. Riveting film.
by Nicolas
Fri Mar 25, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5627

Re: Europe Trip in August

.....
by Nicolas
Sun Mar 13, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 40
Views: 5238

Re: 300 dollars for Chase savings offer

Noticed the savings offer must be new money. I transferred 15k into chase checking from Amex savings account and then transferred the 15k from Chase checking to chase savings which I opened last week. I am hoping the money doesn't have to go directly into chase savings from an outside source to be ...
by Nicolas
Sat Mar 12, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 40
Views: 5238

Re: 300 dollars for Chase savings offer

Just an update. Opened the savings account for 15k for a 300 dollar bonus last week. Easy and quick with no sales pitches. Does anyone know when the bonus money gets deposited? Any other offers as easy as this one? :) If it's like my offer you'll get the credit at the end of three months, plus five...
by Nicolas
Sat Mar 12, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10989

Re: Do most of you plan to retire "full-time"?

Wow! Your list is even bigger than mine. Are your interests in joggling, theoretical physics, and lockpicking influenced by Richard Feynman? I didn't know Feynman liked lockpicking! I just found myself looking at lockpicking videos on YouTube and was fascinated by lock design and the little tricks ...
by Nicolas
Thu Mar 10, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10989

Re: Do most of you plan to retire "full-time"?

I will not work again for money the rest of my life. Why is that? Do you dislike working or do you dislike money? I don't dislike money, far from it. I don't in theory dislike working either but I do dislike the work I'm currently doing, it's boring and pointless, but it does pay fairly well. I hav...
by Nicolas
Mon Mar 07, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: GE Capital Bank
Replies: 12
Views: 957

Re: GE Capital Bank

Jack FFR1846 wrote:Is this now Synchrony Bank? I know they're slightly higher than Ally (1.05% vs 1%) so I went searching reviews. Holy cow, Batman! Scathing reviews consistently across the board. Wow.


I've been using Synchrony for two accounts since June last, no complaints.
by Nicolas
Mon Mar 07, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 40
Views: 5238

Re: 300 dollars for Chase savings offer

I did this offer late last year. Actually I went for the $500 deal: $300 for new checking with auto deposit (minimum $500 auto-deposited per month), and $200 for a new $15K savings minimum. Their interest rate is very close to zero. I did the math and it was definitely to my advantage even with the ...
by Nicolas
Sun Mar 06, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 110
Views: 10021

Re: Cities good for living abroad?

DireWolf wrote:
tigermilk wrote:Tokyo.


I love wondering around aimlessly in new places. I plan on doing that in Barcelona this summer. Is it safe to do so in Tokyo?


I've been to Tokyo twice. It's safe there.
by Nicolas
Sat Mar 05, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10989

Re: Do most of you plan to retire "full-time"?

I will not work again for money the rest of my life.
by Nicolas
Sat Mar 05, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers
Replies: 46
Views: 2844

Re: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers

I signed up for LastPass. Does anyone here use the premium version and is it worth it? Also, when I'm entering in my websites that I use it is asking me for a password. I thought that it generated automatic passwords. What am I missing here? I use premium and to me it's worth it. You need premium t...
by Nicolas
Tue Feb 23, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 6170

Re: What kind of car do you drive? [Looking for new car]

Car #1: 2006 Subaru Outback. Best vehicle we ever owned. Bought used at 30K miles.
Car #2: 1996 Toyota Corolla. Bought used from my daughter at ~130K miles. Commuter car.
Never had a new car and probably never will.
by Nicolas
Tue Feb 23, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4437

Re: Madoff--Ponzi Scheme

subrosa wrote:Hello Nicolas

Re: the SEC if really interested this is actually good reading: https://www.sec.gov/news/studies/2009/oig-509.pdf


Thanks -- it's going to take me awhile to get through these 477 pages. :happy
I didn't know this existed, should make for interesting reading.
by Nicolas
Mon Feb 22, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12589

Re: Mr Money Mustache Article (New Yorker)

His regular usage of crude language is distasteful to me. What is the purpose? I agree. Seems very sophomoric. Dropping expletives on a public forum or on the written page reeks of immaturity. Hmm, I dont get it....Most people curse. How is this immature? I always thought people cursed because they...

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