Search found 218 matches

by Nicolas
Sat Jan 16, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 5
Views: 777

Re: Best Albums of 2016

It looks like it is time to start this year's best albums thread. I will start things off with one very important and timely submission: David Bowie - Blackstar Bowie (RIP) ends his career with a beautiful, introspective send off. Have you seen the video for Lazarus ? I didn't see it till after his...
by Nicolas
Sat Jan 16, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: It sure looks like a good time to invest in oil
Replies: 87
Views: 8725

Re: It sure looks like a good time to invest in oil

Sanctions on Iran were lifted today. A lot more oil coming online soon.
by Nicolas
Sat Jan 16, 2016 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Online Bank recommendation
Replies: 50
Views: 4366

Re: Online Bank recommendation

I use Synchrony Bank, higher interest than Ally, and also member FDIC.
by Nicolas
Thu Jan 14, 2016 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: What's your company 401k contribution
Replies: 105
Views: 4688

Re: What's your company 401k contribution

3.5% of compensation (50% matching of up to 7% of savings) plus an old-style non-COLA pension which new hires don't get anymore. It isn't frozen so I'm still building it after 37.5 years on the job and counting.
by Nicolas
Sun Jan 10, 2016 11:22 pm
Forum: Investing - Theory, News & General
Topic: Solid Investing Article in "The Atlantic"
Replies: 8
Views: 1849

Re: Solid Investing Article in "The Atlantic"

. . . he [Rukeyser] always seemed to be daring them to go out on a limb and make a crazy prediction.. like hosting a Jerry Springer show where everyone was on Vallium. :D But all this nostalgia reminds me of the Nightly Business report.. as it was.. I miss that show too. I watched NBR occasionally....
by Nicolas
Sun Jan 10, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Films or TV with great period sets
Replies: 46
Views: 2536

Re: Films or TV with great period sets

Barry Lyndon, 1975, director Stanley Kubrick.
Mr. Turner, 2014, director Mike Leigh
by Nicolas
Sun Jan 10, 2016 7:45 pm
Forum: Personal Consumer Issues
Topic: Tough Frugal Decisions
Replies: 80
Views: 11582

Re: Tough Frugal Decisions

We had to get our car, our only car, repaired. When it was done the bill was $200 which we didn't have. Nobody used credit cards for such things then and anyway we didn't have one. We took the bus for a few weeks while they held onto our car.
by Nicolas
Sun Jan 10, 2016 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4560

Re: Lottery Win...Could a Boglehead handle it?

It's been said before, "The lottery is a tax on the innumerate".
by Nicolas
Sun Jan 10, 2016 11:53 am
Forum: Personal Finance (Not Investing)
Topic: Lottery Win...Could a Boglehead handle it?
Replies: 79
Views: 4560

Re: Lottery Win...Could a Boglehead handle it?

At this high amount, I actually think I would go with an annuity. First, at this high of winnings I don't think you need to worry about growing it, you have enough for generations. I think the annuity would give you the better insurance against all the beggars and scams. In addition the risk of pot...
by Nicolas
Fri Jan 08, 2016 8:08 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1861

Re: 4 Days in Iceland - May 2016

Any suggestions for a 1 day stay in June? We decided why not since we had a layover there. We get in at 6am and leave the next morning at 7am. My wife insists on the Blue Lagoon. But other than that we aren't sure. Since it's a short stay we probably won't rent a car. Any ideas in the immediate are...
by Nicolas
Fri Jan 08, 2016 8:04 pm
Forum: Personal Consumer Issues
Topic: 4 Days in Iceland - May 2016
Replies: 28
Views: 1861

Re: 4 Days in Iceland - May 2016

If you find yourself near Selfoss you should take time to pay your respects to Bobby Fischer who is buried there. I did, in 2011.
http://www.findagrave.com/cgi-bin/fg.cg ... d=24023886
by Nicolas
Thu Jan 07, 2016 7:59 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

We enjoy the daydreaming. We only buy on the really big jackpots. I know that the odds are even worse on the big ones, but they are the most fun to dream about! The flip side of daydreaming is that you can end up just 1 or 2 numbers off. There are many more people who are a bit off than winners. Yo...
by Nicolas
Thu Jan 07, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

I do wonder what it might be like to know you've won it. The level of physical shock one might feel - perhaps an element of fear ? And the disgruntlement about the amount of tax you'll pay ! The problem with winning is you have to immediately leave your home and hide out, and the rest of your life ...
by Nicolas
Thu Jan 07, 2016 7:42 pm
Forum: Personal Consumer Issues
Topic: Jackpot Now Estimated $700 Million, who's in?
Replies: 149
Views: 5707

Re: Jackpot Now Estimated $700 Million, who's in?

I read that the odds of winning are close to this: Someone has lined up a row of penny coins from LA to NY and one of them is made of steel instead of zinc. You get to choose one. Will you pick the steel penny?
by Nicolas
Thu Dec 31, 2015 12:25 am
Forum: Personal Consumer Issues
Topic: Who Reads the Comics?
Replies: 44
Views: 1526

Re: Who Reads the Comics?

The Katzenjammer Kids
Pogo
Nancy
by Nicolas
Mon Dec 28, 2015 7:25 pm
Forum: Forum Issues and Administration
Topic: Daily Forum Hits
Replies: 4
Views: 522

Re: Daily Forum Hits

This site reports web stats for any URL. Here it is for bogleheads.org
http://www.easycounter.com/report/bogleheads.org
by Nicolas
Mon Dec 28, 2015 2:32 pm
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 427
Views: 170071

Re: TV show recommendations?

I've really enjoyed Detectorists from the BBC. It's a slow-paced comedy mainly about two loser metal detectorists that can be alternately hilarious and touching. I've been a detectorist myself so it's especially appealing to me. There are two seasons, the first of which may now be streamed in the st...
by Nicolas
Sat Dec 26, 2015 10:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275914

Re: What Movie Have You Recently Watched?

jlawrence01 wrote:1940 - The Bank Dick starring W.C. Fields

I love W.C. Fields. One of my favorites is My Little Chickadee with Mae West. What makes it even more delightful is knowing that in real life they hated each other. Fields famously said of Miss West that she was "A plumber's idea of Cleopatra".
by Nicolas
Sat Dec 26, 2015 12:10 am
Forum: Personal Consumer Issues
Topic: Wine with Tannins, bang for the buck
Replies: 17
Views: 1890

Re: Wine with Tannins, bang for the buck

Read the Costco Wine Blog: http://costcowineblog.com
by Nicolas
Fri Dec 25, 2015 11:32 pm
Forum: Personal Consumer Issues
Topic: Drive able natural attractions from Washington DC
Replies: 18
Views: 1169

Re: Drive able natural attractions from Washington DC

Mammoth Cave National Park in KY, longest (known) cave system in the world. Exactly ten hours from DC per Google Maps.
by Nicolas
Fri Dec 25, 2015 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: [What will you do differently in] 2016
Replies: 62
Views: 6434

Re: [What will you do differently in] 2016

I'm going to quit working, i.e. retire, after 46 years of doing what I mostly dislike doing.
by Nicolas
Thu Dec 24, 2015 10:36 pm
Forum: Personal Consumer Issues
Topic: Dress shirts and button-down shirts - budget and quality overview
Replies: 40
Views: 4067

Re: Dress shirts and button-down shirts - budget and quality overview

I buy all my shirts now at Good Will for no more than $3 each. It's a little surprising what good quality shirts may be found there and at prices that can't be beaten.
by Nicolas
Thu Dec 24, 2015 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Healthcare funds
Replies: 28
Views: 1763

Re: Healthcare funds

jdb wrote:My favorite Vanguard growth stock fund, Primecap (VPMAX) is a closet healthcare fund, the top three of its holdings and 4 of top ten stocks are healthcare companies. Though it is a closed fund not available for new investors.


I think Flagship people can still get in.
by Nicolas
Tue Dec 22, 2015 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: How old can you be and retire early?
Replies: 56
Views: 3719

Re: How old can you be and retire early?

J. Paul Getty retired when he first struck oil at 22. He then spent his time dating starlets and rolling his Bugattis. He became very bored with this and went back to work, and worked to the day he died. (The actor) Paul Newman retired when he couldn't remember his lines anymore.
by Nicolas
Sun Dec 20, 2015 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Looking for highest rate savings or money market
Replies: 6
Views: 880

Re: Looking for highest rate savings or money market

I use Synchrony High Yield Savings which is paying me 1.09% simple, 1.10% annually, FDIC insured, higher than Ally.
by Nicolas
Tue Dec 15, 2015 7:01 pm
Forum: Investing - Help with Personal Investments
Topic: [Intending to drop international funds]
Replies: 70
Views: 7593

Re: I've been duped by index investing it seems.

rgs92 wrote:Good post magneto. 'enjoyed reading it.


Me too. I love it when people quote Chauncey Gardiner. I read it out loud to my wife, she laughed.
by Nicolas
Sun Dec 06, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Facebook and Security Concerns
Replies: 4
Views: 587

Re: Facebook and Security Concerns

This is precisely why I've never joined FB, or any other social media, and never will. The concept of privacy is antithetical to their business model. You are their product.
by Nicolas
Thu Dec 03, 2015 9:23 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

I think I'm being spooked by the question that comes up in Turbo Tax that asks the question as to whether the same or "substantially similar" securities were repurchased within 30 days. I think that's the wording it uses. Since both are small cap index funds they seemed to be substantiall...
by Nicolas
Thu Dec 03, 2015 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

duplicate -- sorry
by Nicolas
Thu Dec 03, 2015 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

I'd like to sell VSMAX (small cap index - admiral) at a small loss and use the proceeds to buy VTMSX (tax-managed small cap index - admiral), but will not as I believe the funds are too similar and it would be deemed a wash sale, so I'm waiting for it to go back to flat or a small gain. I could als...
by Nicolas
Thu Dec 03, 2015 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

Does TT use "similar" or the word "identical"? What does the IRS use? I just looked it up in the 2014 Schedule D instructions and it's actually worded "substantially identical " and not "substantially similar" so I misremembered it slightly. The Schedule D in...
by Nicolas
Thu Dec 03, 2015 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

I'd like to sell VSMAX (small cap index - admiral) at a small loss and use the proceeds to buy VTMSX (tax-managed small cap index - admiral), but will not as I believe the funds are too similar and it would be deemed a wash sale, so I'm waiting for it to go back to flat or a small gain. I could als...
by Nicolas
Thu Dec 03, 2015 9:01 am
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

I'd like to sell VSMAX (small cap index - admiral) at a small loss and use the proceeds to buy VTMSX (tax-managed small cap index - admiral), but will not as I believe the funds are too similar and it would be deemed a wash sale, so I'm waiting for it to go back to flat or a small gain. I could als...
by Nicolas
Wed Dec 02, 2015 9:43 pm
Forum: Investing - Theory, News & General
Topic: Fairholme (FAIRX) warning
Replies: 44
Views: 3892

Re: Fairholme (FAIRX) warning

Is this a popular fund? If so, why? It was popular among the performance chasers since it is a concentrated fund that hit a lucky streak in the 2005-2010 time frame. Naive investors didn't pay much attention to the fact that it was concentrated (thus the impact of lucky stock selections is magnifie...
by Nicolas
Wed Dec 02, 2015 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: is this considered as "wash sale"?
Replies: 23
Views: 1306

Re: is this considered as "wash sale"?

I'd like to sell VSMAX (small cap index - admiral) at a small loss and use the proceeds to buy VTMSX (tax-managed small cap index - admiral), but will not as I believe the funds are too similar and it would be deemed a wash sale, so I'm waiting for it to go back to flat or a small gain. I could also...
by Nicolas
Wed Dec 02, 2015 6:33 pm
Forum: Personal Consumer Issues
Topic: "Congratulations on your purchase!" (But why?)
Replies: 27
Views: 3689

Re: "Congratulations on your purchase!" (But why?)

One of my colleagues just bought a big new pickup truck, he said it cost him $70K, it has all the available amenities and a metal-flake paint job. He said he took a 2nd mortgage on his house to pay for it. I went out and looked at it and told him it was a nice truck, but I didn't congratulate him fo...
by Nicolas
Mon Nov 30, 2015 7:53 pm
Forum: Personal Consumer Issues
Topic: Cyber Monday
Replies: 50
Views: 5747

Re: Cyber Monday

Dude2 wrote:Bought Stephen King's Joyland Kindle book for $1.99, but pissed that Michael Connelly's The Crossing is $4.99 when I just bought it for $16.99 last week.


If it's been a week or less you can complain to Amazon and they'll refund you the difference.
by Nicolas
Sun Nov 29, 2015 4:28 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone had experience with missingmoney.com?
Replies: 21
Views: 2607

Re: Has anyone had experience with missingmoney.com?

I have always been suspicious of the motivation behind even the official state sites. Why would they actually pay to advertise to give back money? Why not hang on to it as long as possible to earn interest? We have commercials on TV in our state for the missing money website. I figure there has got...
by Nicolas
Sun Nov 29, 2015 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Has anyone had experience with missingmoney.com?
Replies: 21
Views: 2607

Re: Has anyone had experience with missingmoney.com?

I found over $2K for my widowed MIL from her late husband on my state's site, so I electronically transferred all the required info for her and about five weeks later the >$2K check arrived. We then deposited it into her bank account.
by Nicolas
Fri Nov 27, 2015 11:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1438
Views: 275914

Re: What Movie Have You Recently Watched?

Looking for a holiday classic? Only one holds up for me: Brian Desmond Hurst's Scrooge (1951) ["A Christmas Carol"], starring the inimitable Alastair Sim. Could not agree more :thumbsup :thumbsup :thumbsup :thumbsup :thumbsup Also liked the '51 version and Sim, but a '38 version is also q...
by Nicolas
Thu Nov 26, 2015 7:37 pm
Forum: Forum Issues and Administration
Topic: Bogleheads Website - Security Cert Expired
Replies: 51
Views: 5114

Re: Bogleheads Website - Security Cert Expired

I just got the same or similar message using Safari.
by Nicolas
Thu Nov 26, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 106
Views: 14561

Re: Best (Available)Red Wine for under $15 preferrably under $10

We like merlot and cabernet from Benziger Family Winery at Costco for $11.99 a bottle. In fact we opened one today, it's good wine. Or J. Lohr cabernet for about the same price is also pretty good. Castle Rock pinot noir for $8.99 isn't half bad. I bought all of these from Costco. You could read the...
by Nicolas
Tue Nov 17, 2015 7:28 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 8795

Re: Whisky Recommendations

I am a big fan of Dalmore 15. We usually buy it in bulk whenever we find a sale. I am a big fan of Mccallen 15 as well. Will give the Glenmorangie a try next time I am at the store. Apparently people above who like what I like also recommend talisker. Will try that one as well. Tread carefully! If ...
by Nicolas
Wed Nov 11, 2015 11:31 pm
Forum: Personal Consumer Issues
Topic: Source For Unroasted Coffee Beans
Replies: 16
Views: 1126

Re: Source For Unroasted Coffee Beans

I like my coffee just barely roasted although I am not a connoisseur. Not all connoisseurs prefer dark roasts. The trend with third wave coffee shops actually seems to be lighter roasts. I read an article about this a few years ago. Starbucks really started the dark roast trend even though many peo...
by Nicolas
Wed Nov 11, 2015 11:17 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 8795

Re: Whisky Recommendations

I am a big fan of Dalmore 15. We usually buy it in bulk whenever we find a sale. I am a big fan of Mccallen 15 as well. Will give the Glenmorangie a try next time I am at the store. Apparently people above who like what I like also recommend talisker. Will try that one as well. Tread carefully! If ...
by Nicolas
Wed Nov 11, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Source For Unroasted Coffee Beans
Replies: 16
Views: 1126

Re: Source For Unroasted Coffee Beans

I've been home roasting for 12 years. I'll never go back to buying pre-roasted coffee. The cheapest source I've found is greencoffeebuyingclub.com which is sort of a co-op where you divide up 100 kilo bags among many users. You are buying at wholesale cost plus a 50 cent per pound club fee. There ar...
by Nicolas
Tue Nov 10, 2015 11:19 am
Forum: Personal Consumer Issues
Topic: like to live in tropical weather
Replies: 26
Views: 3146

Re: like to live in tropical weather

Besides Puerto Rico, Guam, and the U.S. Virgin Islands, which have already been mentioned, there are also the Northern Mariana Islands and American Samoa. All are territories of the USA.
by Nicolas
Sat Nov 07, 2015 12:54 pm
Forum: Personal Consumer Issues
Topic: Whisky Recommendations
Replies: 109
Views: 8795

Re: Whisky Recommendations

This store in NY is offering Lagavulin 16 Year on sale for only $71.95 (no affiliation).
http://www.skyviewwine.com/sku180260_LA ... YEAR-750ML
by Nicolas
Wed Oct 14, 2015 5:50 pm
Forum: Personal Finance (Not Investing)
Topic: Does the feeling of abundance escape other Bogleheads too?
Replies: 119
Views: 26190

Re:

If I had 3 million bucks, I'd buy a boat and take it to South America, followed by Australia and Asia. How's that for 3x flagship status? You could even retrace Magellan's voyage in search of the spice for your life. Guess that's why I'll never have $3 million. Unfortunately Magellan didn't survive...

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