Search found 722 matches

by Nicolas
Sat Oct 21, 2017 11:45 pm
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 28
Views: 4971

Re: Letter from CC company (Discover) re: current income

Amex has a popup every time I log in asking me to update my income. I ignore it. They've also asked several times if I want to increase my credit limit. Since I don't need an increased limit I ignore these offers as well. I never carry a balance and have never paid them a penny in interest, fees, or...
by Nicolas
Fri Oct 20, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 35
Views: 2127

Re: Best smartphone

Best smartphone I've ever owned: iPhone SE. Bought it for $199 and using with my Tracfone account, $6.50/month. My wife bought one too. We have different colored cases so we can tell them apart. I just paid $200 for a used one. :oops: Where did you get it for $199?!! Target -- In the store, not onl...
by Nicolas
Wed Oct 18, 2017 4:17 pm
Forum: Personal Consumer Issues
Topic: Best smartphone
Replies: 35
Views: 2127

Re: Best smartphone

Best smartphone I've ever owned: iPhone SE. Bought it for $199 and using with my Tracfone account, $6.50/month. My wife bought one too. We have different colored cases so we can tell them apart.
by Nicolas
Mon Oct 16, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: Storing Lawn Tractor over the Winter
Replies: 35
Views: 1775

Re: Storing Lawn Tractor over the Winter

I neither stabilize nor drain my gasoline. I keep it in my unheated attached garage. I remove the battery and store it in my basement. I've been doing this for 14 upper-midwest winters and haven't had any problem. At times the outdoor temperature dips into negative fahrenheit territory, in the garag...
by Nicolas
Mon Oct 16, 2017 12:20 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30900

Re: Roll Call for the Retirement Class of 2017!

Another update. My last day at megacorp was 1st September. Whoo-hoo. Now six weeks in and just treating life like a series of back-to-back weekends. I've decided to chill until the New Year to unwind and take stock (figurative, not literal). Then sort out something constructive to do. It's amazing ...
by Nicolas
Mon Oct 16, 2017 12:15 am
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 230
Views: 30900

Re: Roll Call for the Retirement Class of 2017!

It seems people on here are giving considerable notice to their employer when they decide to retire, i.e., months. A guess a lot has to do with the amount of respect you have for your employer, co-workers and the amount of transition that is required. I'm curious how folks think about the timing of...
by Nicolas
Sat Oct 14, 2017 11:02 pm
Forum: Personal Finance (Not Investing)
Topic: Car inspection on Carmax car
Replies: 30
Views: 9194

Re: Car inspection on Carmax car

I myself would not bother having an independent mechanic check a Carmax car. It is pretty clear that Carmax no-haggle prices are higher than even dealer prices after haggling, so if they sell cars that don't check out, we would all know about it and they would go out of business. They need to keep ...
by Nicolas
Sat Oct 14, 2017 10:03 pm
Forum: Investing - Help with Personal Investments
Topic: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]
Replies: 11
Views: 1067

Re: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]

I'd put it all into VOO and keep it there for decades, eschewing VWINX completely, but I'm not you so hard to say. Thank you. That is pretty much what Mr. Buffett says. Any other advice? Thank you Just that if you aren't sure of your own risk tolerance, and you may not know until you're severely te...
by Nicolas
Sat Oct 14, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]
Replies: 11
Views: 1067

Re: vwinx and voo distribution [Vanguard Wellesley Income, 500 Index]

I'd put it all into VOO and keep it there for decades, eschewing VWINX completely, but I'm not you so hard to say.
by Nicolas
Sat Oct 14, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Which would you rather own: AAPL or S&P 600 Small Cap Index?
Replies: 57
Views: 3252

Re: Which would you rather own: AAPL or S&P 600 Small Cap Index?

Actually I already own both AAPL (Apple, inc.) & IJR (iShares S&P SmallCap 600 Index), but much more AAPL than IJR. If I could only own one I would pick IJR without hesitation as it's obviously more diversified. The reason I don't sell my AAPL shares now to buy more IJR is because I'm looking at a h...
by Nicolas
Fri Oct 13, 2017 11:38 pm
Forum: Personal Consumer Issues
Topic: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)
Replies: 51
Views: 3207

Re: First visit to Hawaii (flight, Amex Plat benefits, extend stay?)

We've been to HI three times and to three of the islands: 1. Maui, 2. Kauai, and 3. Big Island. They're all great but so far we like the Big Island best, there's more to do there. Where else can you find white sand, black sand, and green sand beaches on the same island? We've stayed in Hilo and at V...
by Nicolas
Tue Oct 10, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Rental cars and Lose of Use insurance
Replies: 29
Views: 2855

Re: Rental cars and Lose of Use insurance

Should be "loss of use", not "lose of use".
by Nicolas
Tue Oct 10, 2017 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2615

Re: Cheapest thing you ever heard of to save money

Given the success of the [Boglehead vs Mr Money Mustache philosophies] thread, I would like to start a [Cheapest thing you ever heard of to save money] thread. My father would park his car on the street and honk the horn for me to run out and push it up the driveway by hand in order to save gas. Th...
by Nicolas
Tue Oct 10, 2017 6:13 pm
Forum: Personal Finance (Not Investing)
Topic: Cheapest thing you ever heard of to save money
Replies: 34
Views: 2615

Re: Cheapest thing you ever heard of to save money

1. J. Paul Getty arrived at an art museum only to see at the entrance that tickets were a buck cheaper starting at noon. He checked his watch and said to his companion, "Lets take a walk!" 2. J. Paul Getty installed a pay phone in his English country manor for his guests to use. 3. J. Paul Getty ref...
by Nicolas
Tue Oct 10, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Oldest international mutual funds?
Replies: 16
Views: 1125

Re: Oldest international mutual funds?

British East India Company, 1774. https://www.ific.ca/en/articles/who-we-are-history-of-mutual-funds/ 1372. The Bazacle Company https://www.nber.org/papers/w20199 This was earlier but it was (nationalized in 1946) a corporation in the business of milling grain until 1888 when it switched to hydroel...
by Nicolas
Sun Oct 08, 2017 5:53 pm
Forum: Personal Consumer Issues
Topic: Is there boglehead consensus on buying a car?
Replies: 73
Views: 4826

Re: Is there boglehead consensus on buying a car?

So just my personal opinion is I like buying a car and using it for a while, and Hyundais have a 10 year/100k mile power train warranty, along with a 5 year/60k bumper to bumper warranty, so I like having that warranty protection while I run the car into the ground. :) Also, I’m not sure if I got l...
by Nicolas
Sun Oct 08, 2017 5:49 pm
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1660

Re: How Often Should I Have Chimney Cleaned (New England)?

Would you consider doing it yourself? I ask because that's what I do. Sometimes, you have to look around, but getting a chimney brush and a bunch of screw-together poles, you can do it yourself. You have to get on the roof to do it so if you're not comfortable doing that, forget it. It depends on a...
by Nicolas
Sun Oct 08, 2017 9:17 am
Forum: Personal Consumer Issues
Topic: How Often Should I Have Chimney Cleaned (New England)?
Replies: 17
Views: 1660

Re: How Often Should I Have Chimney Cleaned (New England)?

My chimney guy says every three years.
by Nicolas
Thu Oct 05, 2017 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4233

Re: another 2 comma club member

Congrats!! I remember when I hit the three comma club, it was quite a thrill. Now The Thrill is Gone. Bah!! Let us know when you hit the four comma club. Then we'll be (slightly) impressed. :P I do wonder if we will see the first Trillionaire in my lifetime. I don't think Gates and Buffet are going...
by Nicolas
Thu Oct 05, 2017 9:36 am
Forum: Personal Finance (Not Investing)
Topic: another 2 comma club member
Replies: 48
Views: 4233

Re: another 2 comma club member

Congrats!! I remember when I hit the three comma club, it was quite a thrill. Now The Thrill is Gone. Bah!! Let us know when you hit the four comma club. Then we'll be (slightly) impressed. :P I do wonder if we will see the first Trillionaire in my lifetime. I don't think Gates and Buffet are going...
by Nicolas
Tue Oct 03, 2017 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax to offer free “credit freeze” for life
Replies: 43
Views: 3535

Re: Equifax to offer free “credit freeze” for life

Hopefully the entire industry will follow suit.
by Nicolas
Tue Oct 03, 2017 10:20 am
Forum: Personal Consumer Issues
Topic: Travel camera reviews of what you own and why?
Replies: 25
Views: 1580

Re: Travel camera reviews of what you own and why?

I've been using a Sony Cyber-Shot DSC-HX100V since 2011 as my travel camera. My main requirements are GPS, electronic viewfinder, reticulating screen, but most importantly super-zoom. This one has all these features, its optical zoom is 30X. I paid $400 at Best Buy in 2011. It's been a great camera ...
by Nicolas
Mon Oct 02, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11887

Re: Prevent mail theft; sign for USPS Informed Delivery

Thank you Victoria for letting us in on this. I signed up after reading your post primarily for defensive reasons as it would be scary if somebody else registered my address. Indeed with a little luck a crook might be able to answer the questions. I took 3 shots to get it right as I forgot some old...
by Nicolas
Mon Oct 02, 2017 5:12 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 187
Views: 11887

Re: Prevent mail theft; sign for USPS Informed Delivery

I signed up a few weeks ago and now get a daily preview of my incoming junk mail about 8am. However a few times I spotted something important coming in and so I watched for it in the box. It brightens up my day. This service will come in handy when I'm out of town and my mail's being held. Note that...
by Nicolas
Sun Oct 01, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 2213

Re: High yield muni

Since nobody said anything, VWAHX currently shows 16.6% AMT exposure, and it looks to be the only Vanguard muni fund with that exposure. FYI. If you're a muni investor, that implies a high tax rate, and therefore you typically do not want AMT exposure. I'm sure there's a sweet spot for this fund wh...
by Nicolas
Sat Sep 30, 2017 10:13 pm
Forum: Investing - Help with Personal Investments
Topic: Help Dealing with Windfall
Replies: 18
Views: 2488

Re: Help Dealing with Windfall

Gains in Roth accounts will never be taxed, so that space is particularly valuable when considering tax consequences. You want to put investments in those accounts that are expected to gain the most, and that would be equities, not bonds. Bonds aren't expected to gain as much, long term, as equities...
by Nicolas
Sat Sep 30, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3969

Re: Investing Books Debunked

I never went to a seminar but I did subscribe to IBD and tried to buy the black-bordered IBD 100 (now 50) stocks at their "trigger points". Larry Swedroe weighed in on CAN-SLIM in 2010. https://www.cbsnews.com/news/dont-confuse-strategy-with-outcome/ Thanks for the link. I notid two important point...
by Nicolas
Sat Sep 30, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3969

Re: Investing Books Debunked

I never went to a seminar but I did subscribe to IBD and tried to buy the black-bordered IBD 100 (now 50) stocks at their "trigger points". Larry Swedroe weighed in on CAN-SLIM in 2010.
https://www.cbsnews.com/news/dont-confu ... h-outcome/
by Nicolas
Fri Sep 29, 2017 11:55 pm
Forum: Investing - Theory, News & General
Topic: Investing Books Debunked
Replies: 24
Views: 3969

Re: Investing Books Debunked

Which investing books did you initially think were great but were then somehow debunked, so to speak? Conversely, which investing books did you initially think were junk but were then somehow proven sound? How to Make Money in Stocks: A Winning System in Good Times and Bad by William J. O'Neil, or ...
by Nicolas
Fri Sep 29, 2017 11:37 pm
Forum: Investing - Help with Personal Investments
Topic: High yield muni
Replies: 30
Views: 2213

Re: High yield muni

The average duration and maturity at 7 years is a bit long in an expected increasing-rate environment, no? Also the fund's income is subject to AMT. Maybe that would only affect high income people of which I am not one, but I'm not sure. Even the mention of AMT scares me.
by Nicolas
Thu Sep 28, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: Anyone try a "cheap" sapphire-faced watch?
Replies: 11
Views: 897

Re: Anyone try a "cheap" sapphire-faced watch?

Seiko has watches with a Sapphire crystal at reasonable prices (difference between Sapphire and Hardlex in a given watch is sometimes less than $50). I'm used to seeing sapphire on Seikos (which typically cost $250+). It's stuff like this that is new to me: https://www.amazon.com/June-Ed-Stainless-...
by Nicolas
Thu Sep 28, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11113

Re: The Rolex and The Boglehead

What was your point? Was that your point that watches are jewelry? If so, why did you bring up housing? The 100x IS important. Someone might actually spend $1.00 for a Coke in a cool-looking can over 50 cents for a Coke in a standard can. Very few people would spend $50 (100x as much) just for the ...
by Nicolas
Thu Sep 28, 2017 8:39 am
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11113

Re: The Rolex and The Boglehead

Not sure if something similar has been mentioned. But there are other options to consider than rolex vs. timex/casio, etc. For instance, I have a used Seiko Orange Monster I paid less than $200 for. Actually, i don't even remember. I need to adjust it by a minute or so every 2 or 3 days. Love it th...
by Nicolas
Tue Sep 26, 2017 10:10 pm
Forum: Personal Consumer Issues
Topic: What is your favorite reasonably priced bourbon?
Replies: 95
Views: 6221

Re: What is your favorite reasonably priced bourbon?

If you can find them, try Cedar Ridge and Templeton Rye. Both distilled in Iowa. I enjoy them both and they get good reviews. This reviewer doesn't like Templeton Rye. He says it's not distilled in Iowa, it's only bottled there, and they flavor it. I wouldn't drink a flavored whiskey. http://thewhi...
by Nicolas
Tue Sep 26, 2017 9:12 pm
Forum: Personal Consumer Issues
Topic: Weekend trip in Portland, Oregon - ideas?
Replies: 22
Views: 1403

Re: Weekend trip in Portland, Oregon - ideas?

I recommend stopping in to Stumptown Coffee Roasters if you're in the vicinity and in need of a cup and a chance to rest and relax. Great coffee.
https://www.stumptowncoffee.com/locations
by Nicolas
Tue Sep 26, 2017 5:34 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11113

Re: The Rolex and The Boglehead

I had one and it was a piece of junk. No joke the thing never kept good time. Looked great but really sucked for that semi-important job of keeping track of the time. Then it got stolen. No loss. Then I bought a Tag which is half the price and twice as bad at telling time. I bought a $20 watch at t...
by Nicolas
Tue Sep 26, 2017 5:02 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11113

Re: The Rolex and The Boglehead

Very expensive completely obsolete mechanical watches that do not keep time as well, or as reliably, as a $20 quartz Casio watch - the absolute pinnacle example of Conspicuous Consumption. Extravagant luxury items with little to no utility or even borderline uselessness relative to much less costly...
by Nicolas
Tue Sep 26, 2017 4:40 pm
Forum: Personal Consumer Issues
Topic: The Rolex and The Boglehead
Replies: 274
Views: 11113

Re: The Rolex and The Boglehead

How many Bogleheads out there own and wear a Rolex (or similar)? Those that do, any regrets? I'd like to one day own a nice watch but for right now I just admire them all. DW might not ever sign off on a watch that expensive but still I'm curious what other Bogleheads have to say. What will a Rolex...
by Nicolas
Mon Sep 25, 2017 7:16 pm
Forum: Personal Consumer Issues
Topic: The cost of walking el Camino de Santiago
Replies: 119
Views: 21806

Re: The cost of walking el Camino de Santiago

Thanks VictoriaF. The fact that the auberges (inns) have private showers and good food makes it sound really nice. Hmm I have my first bucket list item. finite_difference, Perhaps, I was not clear. Showers in albergues are not private, but shower stalls are. Think of a college dorm, except that in ...
by Nicolas
Mon Sep 25, 2017 6:59 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3015
Views: 884392

Re: What Movie Have You Recently Watched?

Love Affair (1932) Humphrey Bogart, Dorothy Mackaill. Bogie's first leading role. Not much of a movie but fun to see a young Bogart not quite sure of himself yet as a leading man. Recommended for that reason. At one point Bogie chases on foot, catches, and jumps onto a plane accelerating for takeof...
by Nicolas
Mon Sep 25, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11649

Re: Lifestyle Creep

For years we are 2 income family and have done a good job of controlling the big expenses - our house is modest for our income and the most we've ever spent on a car is $24 and we tend to run them to the ground. Wow... I wish I could figure out how to get a car for $24! Mostly buy low mileage used....
by Nicolas
Mon Sep 25, 2017 5:27 pm
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11649

Re: Lifestyle Creep

Fire2030 wrote:
Mon Sep 25, 2017 3:16 pm
After resisting for a long time, we now have regular cleaning service and joined Lifetime in lieu of Y.
...Lifetime in lieu if Y :confused
Please translate.
by Nicolas
Mon Sep 25, 2017 2:54 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 535
Views: 208623

Re: TV show recommendations?

Are there no Trekkers here? The news series Star Trek Discovery aired its pilot last night on CBS. Subsequent episodes will only be available by subscription to CBS All Access. It's set 10 years before the original era of the Shatner series. None of the original actors, but some of the original cha...
by Nicolas
Sun Sep 24, 2017 11:51 pm
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 3000

Re: Do you subscribe to digital newspapers?

Hello, I grew up reading newspaper with my morning coffee back in the days when TV or Internet news very non-existent. For the past 10 years I haven't subscribed to any paper newspaper and read my news exclusively on iPhone or watch TV. Recently, I picked up a Sunday newspaper from Walgreens and re...
by Nicolas
Sun Sep 24, 2017 11:30 am
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4480

Re: IOS 11: Anybody using it yet?

I downloaded it the day it became available on my 5s and everything works great.... Hmmm... I had read that iOS11 would no longer support any Phone 5, period. I have an iPhone 5c and I have concerns. What is the understanding of other folks here? https://www.apple.com/ios/ios-11/ iOS 11 is compatib...
by Nicolas
Sun Sep 24, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11649

Re: Lifestyle Creep

I also bought more expensive Indoor and outdoor furnitures. In the past, I spent $300-$500 for outdoor furnitures, now it's more than $2000-$3000. Same with mattresses, I bought two very expensive mattresses, top of the line, because I figure sleep is important. I won't mention the price, because i...
by Nicolas
Sun Sep 24, 2017 10:07 am
Forum: Personal Consumer Issues
Topic: Do you subscribe to digital newspapers?
Replies: 67
Views: 3000

Re: Do you subscribe to digital newspapers?

I feel it's important to support newspapers and newsmagazines financially. Especially local newspapers because they are the only people who investigate local and state corruption. ...would consider a WSJ subscription if they ever get their pricing act together. You can read the PDF version of the W...
by Nicolas
Sun Sep 24, 2017 8:08 am
Forum: Personal Consumer Issues
Topic: Lifestyle Creep
Replies: 142
Views: 11649

Re: Lifestyle Creep

Thanks in advance for anything you share here! I have renewed interest in learning about and increasing my own awareness of lifestyle creep. I am hoping others will share personal situations where they experienced or resisted this issue. What have you dealt with? What creep came into your life that...