Search found 784 matches

by Nicolas
Thu Dec 14, 2017 7:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2017!
Replies: 278
Views: 38478

Re: Roll Call for the Retirement Class of 2017!

All, Well it's official, I AM RETIRED!! . Today was my last day, had a great sendoff, a wonderful career and now its time for the next phase of life. A bit giddy, nervous, terrified, sad and ecstatic all at the same time. Laptop, Phone, Badge have all been turned in. Access terminated. Never would ...
by Nicolas
Thu Dec 14, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Getting rid of junk mail?
Replies: 13
Views: 685

Re: Getting rid of junk mail?

I think you must resign yourself to your fate as unfortunately there is no escape. I will say this: Between my mailbox and my house there's a receptacle called a recycling bin. This type of mail never makes it past my front door.
by Nicolas
Tue Dec 12, 2017 6:08 pm
Forum: Personal Finance (Not Investing)
Topic: State Farm Insurance, Time to Leave
Replies: 47
Views: 4224

Re: State Farm Insurance, Time to Leave

I'm using Safeco now. In March I cross-shopped several insurance companies and Safeco was somehow far less than the others, even Geico. I moved homeowners, auto, and umbrella, everything.
by Nicolas
Tue Dec 12, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Vanguard year end distributions - updated estimates
Replies: 47
Views: 5298

Re: Vanguard year end distributions - updated estimates

The small-cap foreign fund VFSVX / VSS has even less qualified dividend income percentage than last year. Foreign mid/small caps are in VTIAX / VXUS, but not in VFWAX / VEU. So putting VSS / VFSVX in tax-advantaged might be worthwhile to some folks (like me!). Agreed. My VSS is in taxable. I'm goin...
by Nicolas
Tue Dec 12, 2017 4:16 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 212
Views: 15601

Re: [Prevent mail theft; sign for USPS Informed Delivery]

Travelgeek, The email doesn't always show everything. I saw this at the end of my most recent email: "You may have more mail or packages than is shown here. To check, go to your Dashboard." Other then bulk-mail, my emails have always matched up what I actually get in my mailbox. I'm not sure if the...
by Nicolas
Tue Dec 12, 2017 3:02 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2127

Re: Concert Decision and Advice

By all means go! If this is your first experience you'll have a blast. I think my first concert was The Mothers Of Invention in 1968, it was in a bar! Frank stopped at our table!
by Nicolas
Tue Dec 12, 2017 10:53 am
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 212
Views: 15601

Re: [Prevent mail theft; sign for USPS Informed Delivery]

When I first signed up for informed delivery I was getting the emails every day at about 8 AM which was pefect timing. Then I started getting them at 10 AM. Now they're coming in the afternoon, yesterday it was at about 3 PM, not long before the actual delivery! You do not have to go to the email. ...
by Nicolas
Mon Dec 11, 2017 5:43 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10506

Re: Do people still use AAA?

AlohaJoe wrote:
Thu Dec 07, 2017 6:55 pm
No, I don't.

AAA is insurance.

I can afford to self-insure.

That's normally how Bogleheads approach insurance. I'm a bit surprised to see so many taking a different approach with AAA.
AAA exists in Vietnam? You write as though you could use AAA if you wanted to, but you are in Vietnam.
by Nicolas
Mon Dec 11, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Done gone and did it [Retire]
Replies: 79
Views: 7271

Re: Done gone and did it

Congratulations.
by Nicolas
Mon Dec 11, 2017 1:17 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Guide to Investing – today’s Kindle deals
Replies: 6
Views: 1155

Re: The Bogleheads' Guide to Investing – today’s Kindle deals

What’s the normal price for the Kindle edition? How much are we saving?
by Nicolas
Sun Dec 10, 2017 2:21 pm
Forum: Personal Consumer Issues
Topic: Recommended places to live
Replies: 54
Views: 5246

Re: Recommended places to live

Either Minot, North Dakota or Ashtabula, Ohio.
by Nicolas
Sat Dec 09, 2017 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Save all this money, what do you splurge on?
Replies: 155
Views: 10594

Re: Save all this money, what do you splurge on?

Turned the thermostat up to 72F during evening hours at wife's request, still 61F for sleeping though. That's my splurge.
by Nicolas
Fri Dec 08, 2017 11:13 pm
Forum: Investing - Theory, News & General
Topic: Just not getting it
Replies: 79
Views: 9897

Re: Just not getting it

20 years ago you could have come up with a similar list of tech stocks (AOL, CPQ, DELL, GTW, HWP, LSOS, SGI, YHOO, XCIT) that had also far outperformed the market and were expected to keep going up forever. Until they didn't. Check out the Nifty Fifty stocks from the 1960's. Some are still doing we...
by Nicolas
Wed Dec 06, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 181
Views: 10506

Re: Do people still use AAA?

If people are relying on AAA to change a tire...you screwed up in life. THat should be a requirement for a drivers license. And if you're a guy a cant change a tire...pfffttt...nuff said. Every year I read in my local paper about someone killed on the highway while changing their tire. If in such a...
by Nicolas
Tue Dec 05, 2017 1:42 pm
Forum: Personal Consumer Issues
Topic: [Prevent mail theft; sign for USPS Informed Delivery]
Replies: 212
Views: 15601

Re: [Prevent mail theft; sign for USPS Informed Delivery]

When I first signed up for informed delivery I was getting the emails every day at about 8 AM which was pefect timing. Then I started getting them at 10 AM. Now they're coming in the afternoon, yesterday it was at about 3 PM, not long before the actual delivery!
by Nicolas
Sun Dec 03, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3124
Views: 920024

Re: What Movie Have You Recently Watched?

My wife and I both loved it. Me especially, as I've been a detectorist myself. There may be a third season, we will see. http://renewcanceltv.com/detectorists-season-3-renewal-bbc-four-comedy-coming-back/ Well, I would welcome it! Detectorists has been renewed for a third and final season! http://r...
by Nicolas
Sat Dec 02, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3658

Re: Should I keep the new iPad I bought or return it?

Update: I didn’t realize I could open an iPad and still return it if I didn’t like it for whatever reason and I must say I absolutely love it. I haven’t used my laptop since purchasing this tablet. Well worth the $250. Thanks everyone. You folks that are still advising the OP on what to do with his...
by Nicolas
Thu Nov 30, 2017 10:04 pm
Forum: Personal Consumer Issues
Topic: Price of haircut?
Replies: 194
Views: 10341

Re: Price of haircut?

$12 on Tuesdays. I don't want to tip but feel social pressure to do so. $2 tip. Sometimes no tip. Only every three months or so.
by Nicolas
Thu Nov 30, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Are plasma TV's gone forever?
Replies: 36
Views: 4523

Re: Are plasma TV's gone forever?

A new technology called MicroLED is coming which is said to exceed OLED in image quality. It's not commercially available yet. Here's a Wikipedia article: https://en.m.wikipedia.org/wiki/MicroLED
by Nicolas
Tue Nov 28, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: How Do You Stay Current With Music?
Replies: 111
Views: 5162

Re: How Do You Stay Current With Popular Music?

Austin City Limits
by Nicolas
Sat Nov 25, 2017 6:36 pm
Forum: Personal Consumer Issues
Topic: Should I keep the new iPad I bought or return it?
Replies: 51
Views: 3658

Re: Should I keep the new iPad I bought or return it?

I've used my iPad3 every day since I bought it in March 2012. It's never in a drawer. This post was composed on said iPad. If/when it finally quits working or becomes obsolete I'll buy the latest model.
by Nicolas
Thu Nov 23, 2017 11:26 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13801

Re: Jim Cramer doesn’t beat the market

Agreed, that's the only thing I ever bought that he recommended. I only watched for entertainment purposes but I did see his point about AAPL, that's why I bought. I've made a bundle. He also recommended SHLD (Sears Holdings) which is being run by one of his buddies, and also SUP (Superior Industri...
by Nicolas
Thu Nov 23, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: Regrets for taking SS at 62 or waiting?
Replies: 100
Views: 9229

Re: Regrets for taking SS at 62 or waiting?

Wow, so far no one has any regrets either way, how can this be :confused
I'm waiting till 70 to take mine as I don't need the money right now. If I die first, and if I regret that, I'll be sure to come back here and post about it.
by Nicolas
Thu Nov 23, 2017 3:32 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13801

Re: Jim Cramer doesn’t beat the market

I took his advice to buy AAPL in 2010, for that I am thankful. (Still holding). but what about others who upon his advice in 2009 waited to get into the market until the Dow reached 5000 (Cramer's notion of what the bottom was to be)? For those who would take his advice on that one, they'd still be...
by Nicolas
Thu Nov 23, 2017 11:15 am
Forum: Investing - Help with Personal Investments
Topic: Slice and Dice
Replies: 40
Views: 3284

Re: Slice and Dice

I slice and dice to avoid the regret I know that i would feel when one asset class outperforms - in other words, to avoid performance chasing. My asset allocation - 17.5% Total Stock Market, 17.5% small cap, 17.5% Emerging Markets, 17.5% Developed Markets, 30% Bonds. Were I to invest only in total ...
by Nicolas
Thu Nov 23, 2017 10:39 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 96
Views: 13801

Re: Jim Cramer doesn’t beat the market

I took his advice to buy AAPL in 2010, for that I am thankful. (Still holding).
by Nicolas
Wed Nov 22, 2017 12:23 am
Forum: Investing - Help with Personal Investments
Topic: Advice to become wealthy
Replies: 58
Views: 5315

Re: Advice to become wealthy

In 30 years what will $3-4 million be worth in terms of buying power? If inflation occurs as it has in the last 30 years, less than half. You need to shoot for $7-8 million.
by Nicolas
Tue Nov 21, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2890

Re: LED Lightbulbs - Recommended Brands

I bought two of these GE bulbs a couple of years ago and they're still going strong, nice and bright with a pleasing 2700K warm color. I paid a lot, $15 each, but they're nice bulbs. We only use them a few hours a day, probably last me the rest of my life. https://www.amazon.com/gp/product/B00NOSDYE...
by Nicolas
Fri Nov 17, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1964

Re: Scottrade to TDA

My current plan is to wait until my bonuses hit their one-year anniversaries and then transfer my accounts to Merrill Edge. My research shows you'll get free trades if your accounts total $250K or more, and if you ask they'll even reimburse you the transfer fee(s). Plus they offer a cash bonus, unl...
by Nicolas
Thu Nov 16, 2017 10:49 pm
Forum: Personal Finance (Not Investing)
Topic: Did you tell anyone you paid off your mortgage?
Replies: 338
Views: 37750

Re: Did you tell anyone you paid off your mortgage?

Yes, I told some of my colleagues at work casually while they were discussing refinancing their mortgages. I never thought anything about it, I just told them, no big deal. The only fallout I got was one guy who asked me why I was still working so much overtime if my house was paid off. So I asked h...
by Nicolas
Thu Nov 16, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1964

Re: Scottrade to TDA

My local Scottrade office will be closed at the end of the year, and its employees laid off :( How did you hear about this? Is there a TDA office near to you? I also have been with Scottrade for a number of years and am taking a wait and see approach. I don't have a TDA office nearby so I was assum...
by Nicolas
Thu Nov 16, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: Scottrade to TDA
Replies: 24
Views: 1964

Re: Scottrade to TDA

My local Scottrade office will be closed at the end of the year, and its employees laid off :( You can still get a bonus of $200 for a $50K cash deposit of new funds or the equivalent amount in securities into Scottrade but only until December 1st . Ameritrade also offers a bonus but it's not as gen...
by Nicolas
Tue Nov 14, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7711

Re: GE and the myth of "safe blue-chip stocks"

So the price of GE is the lowest since the depths of the financial crisis of 2009? Not so. GE dipped to $6.66 in March 2009 during the depths of the financial crisis. It closed today at $17.90. This is the lowest it's been since the end of 2011. right, but it's valuation that matters. The stock is ...
by Nicolas
Tue Nov 14, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: GE and the myth of "safe blue-chip stocks"
Replies: 73
Views: 7711

Re: GE and the myth of "safe blue-chip stocks"

arcticpineapplecorp. wrote:
Tue Nov 14, 2017 6:06 pm
So the price of GE is the lowest since the depths of the financial crisis of 2009?
Not so. GE dipped to $6.66 in March 2009 during the depths of the financial crisis. It closed today at $17.90.
This is the lowest it's been since the end of 2011.
by Nicolas
Fri Nov 10, 2017 7:29 pm
Forum: Personal Consumer Issues
Topic: Thoughts about wearing a "uniform"/same thing everyday?
Replies: 140
Views: 9401

Re: Thouhgts about wearing a "uniform"/same thing everyday?

In my experience nobody notices or cares what you wear as long as it conforms to corporate policy and prevailing norms.
by Nicolas
Sat Nov 04, 2017 12:05 pm
Forum: Personal Consumer Issues
Topic: CR doesn't like some formerly favored SUVs
Replies: 25
Views: 2920

Re: CR doesn't like some formerly favored SUVs

U.S. News and World Report rates vehicles, new and used. I consulted it just this past week for my purchase of a used compact. Their reviews seem to be informed and knowledgable but I don't have any deep insight in their content. They do rate reliability. Here's their page for new SUVs. https://cars...
by Nicolas
Tue Oct 31, 2017 6:41 pm
Forum: Personal Consumer Issues
Topic: Use Time Warner for home phone vs ATT
Replies: 9
Views: 807

Re: Use Time Warner for home phone vs ATT

I'm with Spectrum (formerly Time-Warner Cable) for my internet only, we do not have cable or satellite TV. I will not bundle my phone service with Spectrum as it would be too expensive. We use VOIPo for our phone instead at a cost of about $7.50/month. If you were to go with Ooma it would be even ch...
by Nicolas
Tue Oct 31, 2017 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: My 401k is almost all cash now. 1/2 Mil
Replies: 89
Views: 8995

Re: My 401k is almost all cash now. 1/2 Mil

Two fundamental principles of the stock market are: 1) it tends to go up over the long term, . Long term, we all will be dead. You'll only need to look at Japan's Nikkei 225 Index - it reached peak of 39K in 1989 and today, it's at 22K. If you were fully invested in 1989 and say, you were a 60-70 y...
by Nicolas
Tue Oct 31, 2017 5:35 pm
Forum: Personal Consumer Issues
Topic: Shoes & Sandals & Athletic & Hiking Wear
Replies: 11
Views: 1120

Re: Shoes & Sandals & Athletic & Hiking Wear

Sandtrap wrote:
Sat Oct 28, 2017 10:58 am
In Hawaii, it's slippers, rubber slippers, AKA flip flops. . . or bare feet, for all uses. :D

Otherwise, New Balance, Rockport, Danner. . . maybe. . .

I got these wide 4EEE Hawaiian feet that make shoe shopping frustrating. :shock:

j :D
It's "slippahs" in Hawaii, isn't it? Not slippers. :D
by Nicolas
Tue Oct 31, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 45
Views: 3496

Re: Someone spoofing my phone number?

For those getting spam and robocalls there are apps for that. If you have land line phone via internet provider, many of those give you option to use “nomorobo”. It works very well. Eliminates almost 100% of robocalls. You get one brief ring but then no more. There are also apps for mobile phones. ...
by Nicolas
Mon Oct 30, 2017 10:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6669

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I find it helpful to later quickly spot my own posts in threads. I change mine frequently if something catches my eye. I do wish the forum would allow slightly larger avatars. Really, only 8 kB? 514.696 MB = 8 kb * 64,337 members to date That's why. I figured as much. I can live with it. Thanks for...
by Nicolas
Mon Oct 30, 2017 9:35 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6669

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I find it helpful to later quickly spot my own posts in threads. I change mine frequently if something catches my eye. I do wish the forum would allow slightly larger avatars. Really, only 8 kB? Clearly you know a handsome avatar when you see one. Thank you! I've long admired yours. That's what ins...
by Nicolas
Mon Oct 30, 2017 8:57 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6669

Re: To Avatar or not to Avatar . . how did you choose or not choose?

This thread made me get one. On another forum years ago, I had an amusing avatar of an elephant jumping up and down (drawn). I searched for the same picture and found this one. Figured it was both cute and unique enough to run with. I will say, having both a size and a memory limit made it difficul...
by Nicolas
Mon Oct 30, 2017 5:38 pm
Forum: Personal Consumer Issues
Topic: Someone spoofing my phone number?
Replies: 45
Views: 3496

Re: Someone spoofing my phone number?

We got a call from a guy a few weeks ago asking us why we had called him. Needless to say we never called him. Checking his callerID revealed he was on the same exchange and area code as we were. Checking my VOIP account history he had called us on the second of our two phone numbers assigned to us ...
by Nicolas
Mon Oct 30, 2017 5:14 pm
Forum: Personal Consumer Issues
Topic: When the cold wind comes, I go where the dahlias bloom
Replies: 32
Views: 2630

Re: When the cold wind comes, I go where the dahlias bloom

I don't snowbird and I don't plan to. I've lived my life in the temperate zone and love the four seasons, including winter. It keeps things interesting and also gives you a perspective on time. Not to say we wouldn't take a short jaunt from time-to-time to a tropical zone, but only for vacation. I a...
by Nicolas
Sun Oct 29, 2017 6:47 pm
Forum: Local Chapters and Bogleheads Community
Topic: To Avatar or Not - Get One? How did you choose?
Replies: 128
Views: 6669

Re: To Avatar or not to Avatar . . how did you choose or not choose?

I find it helpful to later quickly spot my own posts in threads. I change mine frequently if something catches my eye. I do wish the forum would allow slightly larger avatars. Really, only 8 kB?