Search found 433 matches

by Nicolas
Thu Jan 19, 2017 4:46 pm
Forum: Personal Consumer Issues
Topic: Should I cut my Pine tree?
Replies: 18
Views: 1401

Re: Should I cut my Pine tree?

Pictures?
by Nicolas
Wed Jan 18, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: Anyone rent toys?
Replies: 27
Views: 2665

Re: Anyone rent toys?

Here's a toy subscription service. I've never used them so can't recommend it.
https://www.pley.com
by Nicolas
Tue Jan 17, 2017 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 3660

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

Frank Cappiello used to recommend Russian war bonds on Wall $treet Week. This was before the fall of the USSR. In fun of course.
by Nicolas
Tue Jan 17, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?
Replies: 65
Views: 3660

Re: So, I'm going to gamble (for fun) and buy some individual stocks. Best way?

In 2008/2009 you could have picked any number of recognizable blue chip names and quadrupled if not more, the amount you bet on. Unless you picked GE (still not back at it's previous high before the crash) or GM (went bankrupt and you lost it all). And of course, the broad market index has tripled ...
by Nicolas
Sun Jan 15, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: How High is Your TV?
Replies: 41
Views: 3328

Re: How High is Your TV?

Our TV stand is 20" high and the TV itself has a 3" stand. Then our TV has a 3" border before the actual illuminated screen begins. So 20+3+3 inches. These dimensions work well for us.
by Nicolas
Sun Jan 15, 2017 6:30 pm
Forum: Personal Consumer Issues
Topic: Where to get HID (Xenon) kit?
Replies: 20
Views: 1242

Re: Where to get HID (Xenon) kit?

I toyed with this idea myself a few years back and was about to order a kit and install them until I found out they are illegal in my state. Upon rereading the supplier's website it was apparent they were dancing all around the legal issue.
by Nicolas
Sun Jan 15, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6645

Re: Vanguard on finding a dead person's password

In addition to the passwords, do you also record your answers to security questions? One of my wife's accounts now asks a security question each time you login in addition to username and password. I haven't been recording them myself so it's got me wondering if she'll even be able to get into her ...
by Nicolas
Sun Jan 15, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Flagship Reps
Replies: 62
Views: 5012

Re: Flagship Reps

I am Flagship level and it means nothing to me. I liked the free Turbotax but that's already been gone for awhile. To me it's a nonevent.
by Nicolas
Sun Jan 15, 2017 10:36 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4449

Re: Where do you buy coffee beans?

My source for green coffee beans is http://www.greencoffeebuyingclub.com You have to register to get into this website but it's free to do so. It's like a coop where you can buy green coffee beans wholesale without markup. Then navigate over to "Open Active Green Coffee Offerings". If you'...
by Nicolas
Sun Jan 15, 2017 10:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard on finding a dead person's password
Replies: 86
Views: 6645

Re: Vanguard on finding a dead person's password

As soon as we informed Vanguard of my mother-in-law's death all of her accounts were immediately locked. Vanguard then FedExed forms to my wife to send back with a death certificate and a copy of the court order naming her as executor, and then all accounts were converted to estate accounts. Then sh...
by Nicolas
Thu Jan 12, 2017 10:21 pm
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 243
Views: 41733

Re: When people put all their eggs in the wrong basket

I'd had a third of my net worth in my employer's stock until last September. But then I retired last year and finally decided I didn't need it anymore. Funny how that works, I'd felt emotionally bound to it somehow while working and holding it for 38 years. I'd followed the price daily all that time...
by Nicolas
Thu Jan 12, 2017 9:01 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 90
Views: 16011

Re: favorite bogleheads posts?

I love reading posts from people about my age that indicate they have less income or assets than I have. It makes me feel good. I love to read these.
It naturally follows that I dislike posts that indicate they have more of the same than I have. This makes me feel bad.
by Nicolas
Thu Jan 12, 2017 8:43 pm
Forum: Personal Consumer Issues
Topic: Door lock actuators: am I getting fleeced?
Replies: 31
Views: 4215

Re: Door lock actuators: am I getting fleeced?

I had a similar problem with my '96 Corolla. In my case the door locks suddenly began to go up and down repeatedly on their own without operator action. I didn't want to spend any money to fix it so I decided to just revert the car to manual lock operation. In other words me pushing and pulling the ...
by Nicolas
Thu Jan 12, 2017 6:45 pm
Forum: Personal Finance (Not Investing)
Topic: Where do you keep your emergency fund?
Replies: 80
Views: 6027

Re: Where do you keep your emergency fund?

I keep a few thousand in my local credit union checking account for immediate access and the remainder in a Synchrony Bank High Yield Savings account.
by Nicolas
Tue Jan 10, 2017 12:38 am
Forum: Personal Consumer Issues
Topic: How much is your cell phone bill?
Replies: 244
Views: 20079

Re: How much is your cell phone bill?

Tracfone plan with free LG Sunset Android smartphone. I would prefer an iPhone as it's the best but I settled for this. Signed up nine months ago with 1333 minutes, 1333 MB LTE data and 1333 texts. I have about a thousand of each left, cost me only $100 through HSN. If I renew at the one-year mark I...
by Nicolas
Mon Jan 09, 2017 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10336

Re: Is driving for uber worth it for side money?

I wouldn't take a job like this as I would be worried about robbery or car jacking especially on the graveyard shift. Any job dealing with the public exposes you to danger but it seems to me this especially so. Every rider provides a 1) credit card number 2) mobile number which is verified via text...
by Nicolas
Mon Jan 09, 2017 12:13 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2270
Views: 562352

Re: What Movie Have You Recently Watched?

O.J.: Made in America. (2016) This is a six-part documentary. I didn't think I'd like it but my wife convinced me. It starts with the Watts riot in L.A. In 1965. Pretty interesting.
by Nicolas
Sun Jan 08, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park $250K (for 3 to 18 months)?
Replies: 14
Views: 1624

Re: Where to park $250K (for 3 to 18 months)?

Don't risk it in the stock or bond markets for so brief a time. I would put it into a Synchrony Bank FDIC-insured high yield savings account. With this you have maximum liquidity, safety, and a relatively high interest rate.
by Nicolas
Sun Jan 08, 2017 11:28 pm
Forum: Personal Finance (Not Investing)
Topic: Is driving for uber worth it for side money?
Replies: 67
Views: 10336

Re: Is driving for uber worth it for side money?

I wouldn't take a job like this as I would be worried about robbery or car jacking especially on the graveyard shift. Any job dealing with the public exposes you to danger but it seems to me this especially so.
by Nicolas
Sun Jan 08, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Reverting to a Wood Burning Fireplace from Gas
Replies: 37
Views: 1859

Re: Reverting to a Wood Burning Fireplace from Gas

Only a wood fire for me, never gas, it just isn't the same. I actually chose my current house based on the fireplace. If the fireplace met my specifications then and only then did we consider the rest of the house, neighborhood, etc. We looked at 65 houses before we bought. I get my wood for free an...
by Nicolas
Sat Jan 07, 2017 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 6983

Re: Ally Bank - Is this a safe/best place to stash some cash?

I would use Synchrony Bank instead of Ally Bank, and I do. It's just as safe and pays higher interest . The only disadvantage I can think of is the three day delay for an ACH transfer to go through. But as some have pointed out, this could be an advantage, in dissuading oneself from impulse buys. I...
by Nicolas
Fri Jan 06, 2017 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank - Is this a safe/best place to stash some cash?
Replies: 68
Views: 6983

Re: Ally Bank - Is this a safe/best place to stash some cash?

I would use Synchrony Bank instead of Ally Bank, and I do. It's just as safe and pays higher interest. The only disadvantage I can think of is the three day delay for an ACH transfer to go through. But as some have pointed out, this could be an advantage, in dissuading oneself from impulse buys.
by Nicolas
Mon Jan 02, 2017 6:21 pm
Forum: Personal Consumer Issues
Topic: Amazon Echo
Replies: 84
Views: 10066

Re: Amazon Echo

That's what they say, yes. How do you know it's true? And if you verify it now, how would you know if it changes in the future? You'd have to monitor the local storage of the Alexa devices and see what it stores. Also, you'd have to track network traffic to see if it was sending off data to a serve...
by Nicolas
Mon Jan 02, 2017 12:27 am
Forum: Investing - Theory, News & General
Topic: Almost made it through another year without breaking a rule- but then, we learned to Scuba
Replies: 31
Views: 2602

Re: Almost made it through another year without breaking a rule- but then, we learned to Scuba

A nitrox course will teach you more about this aspect of diving. Interesting. I have always avoided nitrox training because I enjoy diving at depth. Depends on what depth. Devil's Throat on Cozumel exits around 130 feet, so typical nitrox blends won't work for that. But 32% Nitrox is safe to 111 fe...
by Nicolas
Sun Jan 01, 2017 11:46 pm
Forum: Investing - Theory, News & General
Topic: This is a good weekend to start tracking your net worth.
Replies: 69
Views: 5390

Re: This is a good weekend to start tracking your net worth.

I've been doing this at the end of every quarter for a couple of years now, it's good practice.
by Nicolas
Sun Jan 01, 2017 2:21 pm
Forum: Investing - Theory, News & General
Topic: ‘Rich Dad’ author says the 2016 market collapse is coming
Replies: 53
Views: 9349

Re: ‘Rich Dad’ author says the 2016 market collapse is coming

Well, bookmark it because it's a nice, clean, definite prediction and let's remember to look at again at the end of the year. Unfortunately, if the market does crash in 2016 it will send his reputation sky-high--but if it doesn't, hardly anyone will notice it and it won't discredit him. (If it cras...
by Nicolas
Sun Jan 01, 2017 2:06 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3431

Re: Audiophiles help me with setup

Use Tidal. It has the best sound. Their $19.99 per month subscription rate for their lossless service "Tidal HiFi" seems steep. It's double that of Apple and Spotify. Of course those services aren't lossless. But can you even hear the difference? Even so I'd be reluctant to be shoveling t...
by Nicolas
Sun Jan 01, 2017 12:14 pm
Forum: Personal Consumer Issues
Topic: Marvin vs. Andersen Windows: The Eternal Struggle
Replies: 52
Views: 49325

Re: Marvin vs. Andersen Windows: The Eternal Struggle

We went with Andersen. We had no hard sell. They installed them professionally and we like the windows. We even had them replace the patio door.
by Nicolas
Sun Jan 01, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3431

Re: Audiophiles help me with setup

I like the Mass Fidelity Core speaker system. I bought a Core and the associated subwoofer. The sound is superb. https://www.massfidelity.com
by Nicolas
Sat Dec 24, 2016 1:00 pm
Forum: Personal Consumer Issues
Topic: Las Vegas - should I do anything?
Replies: 34
Views: 2907

Re: Las Vegas - should I do anything?

I would avoid casinos and shows altogether as a waste of time. But to each their own. There must be some good libraries or bookstores in the city.
by Nicolas
Sat Dec 24, 2016 12:57 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 3537

Re: Quartz versus granite

These aren't huge problems but we've talked about getting Corian if we ever do this again. +1 on Corian. Ours is almost ten year old and still looks like new with no maintenance. If you do get it in the future then one trick is to make sure that you keep the scraps, like where they cut out the kitc...
by Nicolas
Sat Dec 24, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 246
Views: 27427

Re: What is your favorite consumer product?

Estwing hatchets -- they are the best, and made in the USA!
I only buy them every forty years. I'm on my second one.
by Nicolas
Thu Dec 22, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: Drive Your Car One-Way Across the USA
Replies: 28
Views: 2299

Re: Drive Your Car One-Way Across the USA

I did this. I drove my 15-year-old Olds 88 from the midwest to LA. Then I gave it to my son who needed it and then we flew home. It was a ton of fun. We took it easy and stayed three nights on the way in Hampton Inns, even saw a few sights on the way -- no car trouble.
by Nicolas
Wed Dec 21, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Quartz versus granite
Replies: 44
Views: 3537

Re: Quartz versus granite

We redid our kitchen in dark granite ten years ago. We picked our own slab and it's pretty. There've been at least two drawbacks (in our case) that I can think of. 1. We went cheap with our choice of the edge, we didn't choose rounded or beveled but just a 90 degree angle edge. It was the cheapest. ...
by Nicolas
Thu Dec 15, 2016 10:51 am
Forum: Personal Consumer Issues
Topic: Subaru Outbacks - any owners here?
Replies: 36
Views: 3180

Re: Subaru Outbacks - any owners here?

We own a 2006 4-cylinder Outback which we bought used in 2010 at 32,000 miles, it's now at 98,000 miles. We paid about $17.5K for it. We've had two major expenses in that time. Several years ago we replaced all four tires and brakes which can be expected given the age of the car. Just yesterday we h...
by Nicolas
Sat Dec 10, 2016 5:19 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4449

Re: Where do you buy coffee beans?

If you are serious about your coffee, and live in a town with any reasonable population, I would encourage you to follow the advice to find a local roaster. In my case they actually deliver the beans to my door, but I would happily drive to get them otherwise. Once you've tried coffee from freshly ...
by Nicolas
Sat Dec 10, 2016 4:50 pm
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 2863

Re: travel to Istanbul

Twenty-nine dead in a bombing there today.
by Nicolas
Sat Dec 10, 2016 9:30 am
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4449

Re: Where do you buy coffee beans?

If you are serious about your coffee, and live in a town with any reasonable population, I would encourage you to follow the advice to find a local roaster. In my case they actually deliver the beans to my door, but I would happily drive to get them otherwise. Once you've tried coffee from freshly ...
by Nicolas
Sat Dec 10, 2016 9:09 am
Forum: Personal Consumer Issues
Topic: travel to Istanbul
Replies: 42
Views: 2863

Re: travel to Istanbul

I've never been but if I were to go I'd not miss Topkapi museum. But I'll probably never go due to its being unsafe.
by Nicolas
Fri Dec 09, 2016 8:40 pm
Forum: Investing - Theory, News & General
Topic: Turning the noise level WAY down
Replies: 6
Views: 1297

Re: Turning the noise level WAY down

To turn down ALL noise you'll have to quit this board too as there's a bit of noise here that you'll unavoidably be exposed to.
by Nicolas
Thu Dec 08, 2016 5:57 pm
Forum: Personal Finance (Not Investing)
Topic: Current Market rally
Replies: 61
Views: 7693

Re: Current Market rally

In a nutshell: Investors shouldn't flee stocks simply because the Shiller PE is above average. They shouldn't flee stocks even when the Shiller PE is way above average. But history has said they should flee stocks when the Shiller PE is at extreme levels -- like now. Only when the CAPE is "hig...
by Nicolas
Thu Dec 08, 2016 5:30 pm
Forum: Personal Consumer Issues
Topic: Where do you buy coffee beans?
Replies: 91
Views: 4449

Re: Where do you buy coffee beans?

I roast my own and buy the green beans here: http://www.greencoffeebuyingclub.com
You have to register but it's free. One of the distributors is local so I pick it up in person and avoid shipping charges.
by Nicolas
Wed Dec 07, 2016 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 113
Views: 18916

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

FlyingMoose wrote:
davidsorensen32 wrote:Zika, don't forget mighty Zika. A single tiny mosquito bite will destroy everything. Your $200,000 might last 30 years but you won't.


Isn't that pretty much only a problem for pregnant women?

It can cause Guillain-Barre syndrome in anyone.
by Nicolas
Tue Dec 06, 2016 9:17 pm
Forum: Personal Consumer Issues
Topic: Men's Fashion - Best Bang for Buck
Replies: 79
Views: 7149

Re: Men's Fashion - Best Bang for Buck

Since I discovered Goodwill I don't shop anywhere else for shirts. I can get great-looking and comfortable shirts there for $2.50 each, and I do. Nice-looking leather jackets may be had for $25. But I won't buy anything for below the waist there, only new.
by Nicolas
Tue Dec 06, 2016 8:01 pm
Forum: Investing - Help with Personal Investments
Topic: Letting go is proving hard to do...
Replies: 17
Views: 3789

Re: Letting go is proving hard to do...

IMO, the healthcare run has a ways to go. My reasoning is demographics is driving the costs, and until the baby boomers are followed by a bust, the consumption of heathcare will continue to increase. Surely the baby boom demographic effects are priced in already. It is also likely that 20 million n...
by Nicolas
Tue Dec 06, 2016 7:53 pm
Forum: Personal Consumer Issues
Topic: Eclipse viewing
Replies: 34
Views: 1865

Re: Eclipse viewing

nisiprius wrote: I have seen the Northern Lights (from Wisconsin!)


I was in Wisconsin summer of '72 and saw the Northern Lights. We're planning on buying a camper and traveling to see the totality next summer.
by Nicolas
Mon Dec 05, 2016 7:57 pm
Forum: Investing - Help with Personal Investments
Topic: Letting go is proving hard to do...
Replies: 17
Views: 3789

Re: Letting go is proving hard to do...

Over the past 2 years, I have been moving in the direction of simplifying my AA and portfolio in both retirement and non-retirement accounts at Vanguard, and generally making progress towards an all index portfolio which I'm reasonably satisfied with. I am down to large-ish positions within Roth an...
by Nicolas
Sun Dec 04, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: Merkur Safety Razor = money saved
Replies: 25
Views: 1708

Re: Merkur Safety Razor = money saved

I recently restarted shaving after a twenty year lapse and I find I enjoy it. I bought a Smoothere safety razor from Amazon for $19 which included a pack of five blades, and I bought another hundred-pack of Astra Platinum double-edged blades for $10.35. I get a very close shave. I'll never go back t...
by Nicolas
Wed Nov 23, 2016 9:15 am
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 172
Views: 13411

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....

Go to advanced search