Search found 336 matches

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: 1003

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: 39
Views: 2990

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.
by Nicolas
Wed Aug 17, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 39
Views: 2990

Re: Gutters and gutter guards

Use PVC pipes connected to a large shop vac bought from the local big box shop. Been doing it for decades, works great, and we live next to a large woods lots of leaves. Do it twice a year, once in spring and fall. Keep both feet on the ground, and push the pipes up, turn on the vac suck out all th...
by Nicolas
Sun Aug 14, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 143
Views: 7655

Re: Are you on Facebook?

No, I'm not on FB or any other social media. I shun it. I don't want to find anyone from my past and I don't want anyone to find me. I have nothing to share with anyone. I just want to be left alone.
by Nicolas
Fri Aug 05, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1771
Views: 422046

Re: What Book Are You Currently Reading? Part VI

Just finished "Classic Feynman". A collection of vignettes from a wonderful, amazing character. Nobel laureate, iconoclast, irrepressible questioner: Richard P. Feynman, an MIT/Princeton trained Los Alamos theoretical physicist, Cal Tech professor, Challenger space shuttle investigator, o...
by Nicolas
Fri Aug 05, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4299

Re: Where to find common items that last "forever"

I don't have personal experience with this company but it sounds like what you are looking for: http://www.bbc.com/news/business-34290597 Silence, thanks for the link. I'd love to have their appliances. When it comes time to replace, I'll look them up. As for the automobile depicted in the article,...
by Nicolas
Fri Aug 05, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 19yr - Put savings into Roth IRA?
Replies: 23
Views: 1455

Re: 19yr - Put savings into Roth IRA?

I've been with Scottrade for a dozen or more years and like them. It's nice having a local office, though not absolutely necessary. It does give you some confidence that they're not going to disappear. I just visited them today, as a matter of fact, to transfer some IRAs from another company. (Two h...
by Nicolas
Fri Aug 05, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4299

Re: Where to find common items that last "forever"

Diamonds. They are forever.
Also Leatherman multi-tools and Cross pens. Both companies guarantee them for life. You can even abuse them and they will still replace them, no questions asked. I own the multi-tools and pens, no diamonds.
by Nicolas
Sat Jul 30, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 951

Re: Old School alarm/table clock

I bet you could find a dozen or more of these at your local Goodwill or Salvation Army for $1.99 each.
by Nicolas
Sat Jul 30, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 57
Views: 4560

Re: Timeshares, again

We did the timeshare presentation twice, just for the free hotel nights. We never bought anything. But we won't do it again as it's just not worth the unpleasant scene when we refuse to buy. I can afford to pay the full price of a hotel stay now anyway.
by Nicolas
Sat Jul 30, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6256

Re: New Tipping Practice?

I've been vacationing in Europe the past two weeks, currently in Paris. The tipping practices here are pure joy. You don't tip unless you want to, because of some exceptional service, and then it's only a one euro coin, or less, on the table near the edge of your plate. Usually you don't leave anyth...
by Nicolas
Sat Jul 16, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6399

Re: What's up with 4K tv? Should I buy one?

I'm waiting for holographic TVs before I upgrade. Currently I have a Panasonic plasma, superior to LCD, and nobody makes them anymore. Also one TV is enough for me. Since I've retired I don't watch it much.
by Nicolas
Fri Jul 15, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 4948

Re: Retired a year - big loss [ :) ]

A couple of years ago The Munchkin Man was celebrating a weight loss here, not sure if he was retired or not, I think he was. He even got a special dispensation from the moderators to share his diet.
by Nicolas
Tue Jul 12, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 2002

Re: Vanguard broken this morning?

It's very slow for me today. I'm not trying to trade anything, just reviewing my accounts. It eventually displays but only after a long wait.
by Nicolas
Sun Jul 10, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1771
Views: 422046

Re: What Book Are You Currently Reading? Part VI

Under the Stars: How America Fell in Love With Camping, by Dan White, 2016. Halfway through it and so far it's been informative and enjoyable. I just finished the chapter about when John Muir camped with Teddy Roosevelt under a sequoia.
by Nicolas
Wed Jul 06, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1771
Views: 422046

Re: What Book Are You Currently Reading? Part VI

The Lord of the Rings by J.R.R. Tolkien, 1954, reading it for the fifth time, but the last time was 36 years ago.

Their Finest Hour by Winston Churchill, 1949.
by Nicolas
Wed Jul 06, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10819

Re: Please help! Buyer's remorse, need advice

Half the battle is knowing you made a mistake. Think of all those people out there who do what you did every couple of years and think it is OK. I am prone to making purchases like you did from time to time, though this site has really helped me so it is rare I "fall off the wagon." My ad...
by Nicolas
Tue Jul 05, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3608

Re: Anyone else make things for their own use?

I've been roasting my own coffee since April 2003. I built my own coffee roaster. My wife used to make cat food, but she stopped doing that after awhile. Sometimes we make our own soy and almond milk. I built a work bench from an old wooden packing crate (from the USSR) that I found 44 years ago, st...
by Nicolas
Sat Jul 02, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8924

Re: How many of you have cut cord?

I cut the cord years ago. I don't like to watch many shows. I watch some travel shows and some classic star trek once in a while. No way would I pay for TV. What is like now is to play christian music I like it better than TV. I found out that as you grow older TV does not interest me much anymore....
by Nicolas
Fri Jul 01, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 145
Views: 8924

Re: How many of you have cut cord?

Cord cut in May 2010. We don't miss it at all. Now using OTA antenna, Tivo, and Netflix. We get great HD reception, better than cable due to no compression. We don't watch commercials (and other uninteresting material) as we skip them with our Tivo, though we mostly just watch PBS anyway. Never care...
by Nicolas
Sat Jun 25, 2016 12:11 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 10641

Re: BREXIT - Whats the big deal?

The implication is total breakdown of the EU. That could have a big impact on the USA. Also the market hates uncertainty, and going into the weekend nobody wanted to be long.
by Nicolas
Fri Jun 24, 2016 10:52 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4760

Re: best wristwatch for the price

I would recommend the Breguet Grande Complication Marie-Antoinette watch. It's a timeless piece that will give you great timekeeping. I personally own five of them, one for each day of the work week to go along with the suit of the day. VERY reasonably priced and totally worth the money. I'm curiou...
by Nicolas
Fri Jun 24, 2016 9:41 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16569

Re: Actionable advice in a Brexit scenario

My advice to any interested Bogleheads would be to not look at your account balance tomorrow, It won't be pretty, unless you have mostly Treasuries. I guess that would qualify as "inactionable" advice. :) Limey jerks. First Bunker Hill and now this. Thanks for nothing. Don't forget they b...
by Nicolas
Fri Jun 24, 2016 8:16 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12502

Re: Do You See it Now?

Remember the Fiscal Cliff? That was a huge worry a few years ago and it turned out to be a big nothing. I remember in the 80s everyone was watching the money supply which was announced weekly. It seemed to be the only thing that mattered for quite awhile. Too high or too low of a weekly Money Supply...
by Nicolas
Fri Jun 24, 2016 8:02 pm
Forum: Personal Finance (Not Investing)
Topic: How to make an easy $500 like I just did [Chase bank offer]
Replies: 60
Views: 8278

Re: How to make an easy $500 like I just did

Is this offer available for online? It states you must bring in person to a branch office. I get these offers in the mail at least once a month. I'm going to take advantage eventually. In the meantime, if you'd like me to mail one to you (they contain a unique sign-up code) feel free to send me a P...
by Nicolas
Fri Jun 24, 2016 7:55 pm
Forum: Personal Consumer Issues
Topic: I went to the store today (athletic store) that was going out of business
Replies: 18
Views: 2276

Re: I went to the store today (athletic store) that was going out of business

Their prices weren't good before they were going out of business and they're still not good. You likely got a better deal than you would have gotten, but not as good of a deal as you could have had you actually shopped around online. I agree. We went into a Sports Authority in our area and even wit...
by Nicolas
Fri Jun 24, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4760

Re: best wristwatch for the price

I think one of the best values is the Seiko SGG727 (white dial), SGG729 (blue dial), SGG731 (black dial). The watches are titanium with a titanium braclet which is very light (but will show scratches like most watches). It has a sapphire crystal (which is unlikely to scratch). It's has a 100 m wate...
by Nicolas
Thu Jun 23, 2016 11:14 pm
Forum: Investing - Theory, News & General
Topic: Actionable advice in a Brexit scenario
Replies: 162
Views: 16569

Re: Actionable advice in a Brexit scenario

Next, Scotland holds another referendum to cede from UK. Trouble in Spain. Perhaps France as well. Enough to keep negative headlines re: EU flowing. Europe/International stocks get smoked for near future. And time to refinance again! Bloomberg just said Wales may leave the UK as well. Doubtful but ...
by Nicolas
Wed Jun 22, 2016 12:53 pm
Forum: Personal Consumer Issues
Topic: best wristwatch for the price
Replies: 87
Views: 4760

Re: best wristwatch for the price

I would surf on over to watchuseek.com for watch advice. Echoing another poster (above) I wouldn't consider any watch without a sapphire crystal, that's all I buy anymore.
by Nicolas
Wed Jun 22, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2398

Re: An actual book on LastPass?

In the future we won't have to deal with this problem anymore as authentication will be all biometric. This is doubtful, biometric is extremely insecure, easily hacked and doesn't increase security but it does increase the rate of dismemberment. Multi-factor authentication is becoming more prevalen...
by Nicolas
Wed Jun 22, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2398

Re: An actual book on LastPass?

In the future we won't have to deal with this problem anymore as authentication will be all biometric. This is doubtful, biometric is extremely insecure, easily hacked and doesn't increase security but it does increase the rate of dismemberment. Thereby creating a whole new spin on the term 'hacked...
by Nicolas
Wed Jun 22, 2016 11:06 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2398

Re: An actual book on LastPass?

Do you think most people try to keep track the new passwords on paper just in case? Or do they feel that is not necessary or even possible giving the vast number of account pws to remember? thanks, cody I've been using LP Premium for the last year. We had been using a paper book, actually several b...
by Nicolas
Wed Jun 22, 2016 10:27 am
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4415

Re: Headphones, consumerism, and escalation of "needs"

I've yet to try the Etymotics ER4 that some folks rave about. My dog used one of my headphones as a chew toy, and I'm glad it wasn't one of the really fancy ones. Ouch on the dog part! On the eytmotics part, I have some HR-6's that are very good, IMO. They were made immensely better when I had some...
by Nicolas
Tue Jun 21, 2016 4:22 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5380

Re: Where (safely and legally) to keep "cash"?

Metal detectorists are still digging up caches of cash buried during the great depression. Fearful people eventually die and with them their memory of what's buried and where. The fabulous Staffordshire hoard found a few years ago in England was buried for 1,300 years. The original owners, no doubt,...
by Nicolas
Sun Jun 19, 2016 7:29 pm
Forum: Personal Consumer Issues
Topic: IWC Watch, any thoughts? [Wristwatch brand]
Replies: 122
Views: 7370

Re: IWC Watch, any thoughts?

It's pretty but I don't like subdials so I wouldn't buy it, myself. Also, too expensive.
by Nicolas
Thu Jun 16, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 2569

Re: Recommendation for Refrigerator

stlutz wrote:I hope this isn't too much of a thread-jack, but I have a 20 year old fridge with a motor that has become quite loud? Should I try to have it repaired or just get a new one?

I'd get a new one. Twenty years is old for any appliance. The newer ones will be more energy-efficient anyway.
by Nicolas
Thu Jun 16, 2016 10:53 pm
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 2569

Re: Recommendation for Refrigerator

You can still get the old ones, the really old ones, from when they were made to last! Here's a company that restores old appliances. You can even get iceboxes retrofitted as refrigerators! (No affiliation). Probably pricey. http://www.antiquevintageappliances.com/antique_refrigerators_unfinished.html
by Nicolas
Thu Jun 16, 2016 7:38 pm
Forum: Personal Consumer Issues
Topic: Internet/WiFi speeds and costs
Replies: 54
Views: 3688

Re: Internet/WiFi speeds and costs

15 Mbps download, 1.3 Mbps upload, about $47/month. No TV or phone, just internet. No data caps. It would be nice if it were faster but it does seem sufficient to our purpose. It's possible to buy faster service but then I would have to pay more money which I don't want to do. Our ISP Time-Warner Ca...
by Nicolas
Mon Jun 13, 2016 7:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 198
Views: 19927

Re: Roll Call for the Retirement Class of 2016!

May 1st, age 63. Done. Congratulations! Victoria Thanks. After 38 years with Megacorp I've quite forgotten who I was. I'll have to figure that out again. The future looms large in front of me now. After being retired only one month I can say my stress level is approaching zero! Retirement brings it...
by Nicolas
Mon Jun 13, 2016 6:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2016!
Replies: 198
Views: 19927

Re: Roll Call for the Retirement Class of 2016!

VictoriaF wrote:
Nicolas wrote:May 1st, age 63.


Done. Congratulations!

Victoria


Thanks. After 38 years with Megacorp I've quite forgotten who I was. I'll have to figure that out again. The future looms large in front of me now. After being retired only one month I can say my stress level is approaching zero!
by Nicolas
Mon Jun 13, 2016 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: Didn't Pay Off the Mortgage Today
Replies: 85
Views: 8416

Re: Didn't Pay Off the Mortgage Today

I paid my mortgage off in 2003 and the relief I've felt since then has been palpable. There's something to be said for peace of mind beyond any other consideration.
by Nicolas
Mon Jun 13, 2016 5:22 pm
Forum: Investing - Help with Personal Investments
Topic: HSA- how much do you actually invest?
Replies: 42
Views: 3168

Re: HSA- how much do you actually invest?

I've invested the legal max each year since I was first eligible in 2010. I will continue until they cut me off at age 65. Per my plan the first $2K is kept in cash earning next to nothing, maybe 0.01%, anything over that goes into my choice of funds. I'm using Optum Bank and they have a nice select...
by Nicolas
Mon Jun 13, 2016 5:16 pm
Forum: Personal Consumer Issues
Topic: Virtual Reality
Replies: 15
Views: 1293

Re: Virtual Reality

I'm going to try it. If it becomes very lifelike I'm afraid what effect it could have on the borderline mentally unstable. We may need to build more asylums.
by Nicolas
Mon Jun 13, 2016 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Did you retire before normal retirement age?
Replies: 93
Views: 12522

Re: Did you retire before normal retirement age?

I retired last month at the age of 63 from the private sector for category #3 reasons. I was financially set and no longer cared for my job. Now the future looms large for me. After 38 years at megacorp I forgot who I was.
by Nicolas
Mon Jun 13, 2016 2:53 pm
Forum: Investing - Theory, News & General
Topic: Your HSA and you
Replies: 27
Views: 2337

Re: Your HSA and you

I have had an HSA for a while now with Health Equity and I've been investing into their Vanguard index funds despite the 0.033% fee each month (it's still cheaper than their alternatives). I realise that like a 529 plan, it is possible to overfund an HSA--have much more money than you ever plan on ...
by Nicolas
Thu Jun 09, 2016 7:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1833
Views: 419114

Re: What Movie Have You Recently Watched?

The Killing (1956) Sterling Hayden, Elisha Cook, Jr. Directed by Stanley Kubrick. Bad guys rob a racetrack. Superb film! Second time I saw it. Superb is right. I have also seen it twice. Kubrick knew how to do it! He also had some of the best Noir actors of the time in there to help out. Poor Elish...
by Nicolas
Thu Jun 09, 2016 5:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1833
Views: 419114

Re: What Movie Have You Recently Watched?

The Killing (1956) Sterling Hayden, Elisha Cook, Jr. Directed by Stanley Kubrick. Bad guys rob a racetrack. Superb film! Second viewing for me.
by Nicolas
Tue Jun 07, 2016 8:39 pm
Forum: Investing - Theory, News & General
Topic: What are your friends saying about you?
Replies: 127
Views: 11376

Re: What are your friends saying about you?

You are assuming that a person has friends.

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