Search found 257 matches

by Nicolas
Wed Apr 27, 2016 10:59 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 179
Views: 14860

Re: Netflix, Your Current Favorite Show

Wolf Hall -- Six part mini-series from BBC. Historical drama of court life in 1500-1538 England. So good!
by Nicolas
Tue Apr 26, 2016 6:08 pm
Forum: Personal Consumer Issues
Topic: Moths. not burglars, activate lights
Replies: 18
Views: 1260

Re: Moths. not burglars, activate lights

I chose motion-activated lights because both of my neighbors have lights that light up the inside of our house all night and I think it's inconsiderate. I thought spooking a burglar occasionally wasn't as bad as shining my floodlights around the neighborhood all night long. However, I don't feel st...
by Nicolas
Sun Apr 24, 2016 6:35 pm
Forum: Personal Consumer Issues
Topic: How many "subscriptions" do you have?
Replies: 45
Views: 2631

Re: How many "subscriptions" do you have?

Costco Executive - about $50/yr The Atlantic Monthly magazine - $5/yr (for this year; next year, who knows?) Cell Phones - Wife pays < $100/yr to TracFone. I'm using company phone till next week when I retire. I've just ordered TracFone now too. VOIP home phone - about $7/month Symphony season ticke...
by Nicolas
Wed Apr 20, 2016 6:48 pm
Forum: Investing - Theory, News & General
Topic: I'm Calling an Emerging Markets Bottom
Replies: 176
Views: 21172

Re: I'm Calling an Emerging Markets Bottom

True, you don't need to know if the fund invests in China, Chile or Czechoslovakia to invest. You don't even need t know the name of the fund. All you really need is the symbol, VWO. And maybe a chart or some anecdotal information get the timing right. Nobody's investing in Czechoslovakia, it doesn...
by Nicolas
Mon Apr 18, 2016 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 3816

Re: How Did You File Your Income Taxes for 2015?

Turbotax. E-filed federal because it was free. Mailed hard copy state because e-file wasn't free. That's what I did too. Federal e-file was free, state e-file would've been $24.99. I'm not going to spend that much money for the convenience of avoiding printing out the forms and mailing them in! My ...
by Nicolas
Sat Apr 16, 2016 9:03 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 316250

Re: What Movie Have You Recently Watched?

Nothing In Common (1986) Tom Hanks, Jackie Gleason. Utter dreck.
by Nicolas
Fri Apr 15, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 316250

Re: What Movie Have You Recently Watched?

Mr. Moto Takes a Chance (1938) Peter Lorre, Rochelle Hudson. Saturday afternoon fare. Kind of fun.
by Nicolas
Tue Apr 12, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds are such a lousy investment
Replies: 43
Views: 4793

Re: Bonds are such a lousy investment

Looking back is never the same as looking forward (although much easier), but... In the past 5 years, an investor in VBMFX (total bond market) has gained 3.6% annualized. Inflation (measured by I-Bond returns, sorry I'm lazy) was about 1.8% annualized. So, you would have gotten 1.8% REAL for 5 year...
by Nicolas
Thu Apr 07, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2537

Re: Cruise trip - Money saving tips

We took a Disney cruise to the Bahamas in '08. My advice is to not book the upscale restaurant, it's not worth it in our opinion. We did and regretted it. The food was good but not worth the extra $$$. The other free restaurants are very good. There's no need to pay for a meal.
by Nicolas
Thu Apr 07, 2016 6:45 pm
Forum: Personal Consumer Issues
Topic: I'm Addicted [to investing and personal finance]
Replies: 64
Views: 8075

Re: I'm Addicted

.....
by Nicolas
Thu Apr 07, 2016 6:18 pm
Forum: Personal Consumer Issues
Topic: Pungent smell from kitchen faucet
Replies: 11
Views: 900

Re: Pungent smell from kitchen faucet

In my case it wasn't just the kitchen faucet, but the shower also. That's what led me to the water heater.
by Nicolas
Thu Apr 07, 2016 10:42 am
Forum: Personal Consumer Issues
Topic: Pungent smell from kitchen faucet
Replies: 11
Views: 900

Re: Pungent smell from kitchen faucet

It's probably a harmless bacterial growth in your water heater. Harmless except for the smell, that is. We've had the same problem. I read up on it and found advice to open up the water heater and perform some modifications. That sounded like work. To fix it I simply dialed up the water heater tempe...
by Nicolas
Tue Apr 05, 2016 8:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is Liberty Mutual a good company for Auto Insurance?
Replies: 32
Views: 6742

Re: Is Liberty Mutual a good company for Auto Insurance?

abuss368 wrote:What state are you located in?
Wisconsin
by Nicolas
Tue Apr 05, 2016 5:23 pm
Forum: Personal Finance (Not Investing)
Topic: Is Liberty Mutual a good company for Auto Insurance?
Replies: 32
Views: 6742

Re: Is Liberty Mutual a good company for Auto Insurance?

I've had Liberty Mutual for our home and auto for the last three years or so. I switched to them upon recommendation of a colleage when my previous insurer raised our homeowners premium a large amount though we filed no claims. They said the losses they incurred due to storm claims necessitated the ...
by Nicolas
Sat Apr 02, 2016 9:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 316250

Re: What Movie Have You Recently Watched?

Let No Man Write My Epitaph (1960). James Darren, Burl Ives, Ella Fitzgerald, Shelley Winters, Jean Seberg, Ricardo Montalban. Gritty film noir tear-jerker set in Chicago. A bunch of drug and alcohol-addicted losers band together to save a kid from following in his father's footsteps to the electri...
by Nicolas
Fri Apr 01, 2016 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS question
Replies: 15
Views: 1066

Re: Spousal SS question

If the total family benefit is due to only one person's earnings record would it be possible that the SS Administration's "Maximum Family Benefit" rule be invoked here, further limiting total SS income? No. My maxed out and delayed to age 70 SS + wife spousal benefit is definitely not lim...
by Nicolas
Fri Apr 01, 2016 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal SS question
Replies: 15
Views: 1066

Re: Spousal SS question

If the total family benefit is due to only one person's earnings record would it be possible that the SS Administration's "Maximum Family Benefit" rule be invoked here, further limiting total SS income?
by Nicolas
Thu Mar 31, 2016 6:50 pm
Forum: Personal Consumer Issues
Topic: Buying Washer and Dryer - what to look and where to buy
Replies: 21
Views: 1453

Re: Buying Washer and Dryer - what to look and where to buy

Consumer Reports reviews Washers and Dryers in the latest issue. If you have natural gas in your home, I suggest that vs electricity for the dryer. We used natural gas dryers at first and had problems with them so we switched to an electric unit which we're still using (the same one) with no proble...
by Nicolas
Tue Mar 29, 2016 10:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 316250

Re: What Movie Have You Recently Watched?

Compulsion (1959). Orson Welles, Dean Stockwell, E.G. Marshall. Thinly disguised recounting of the Leopold-Loeb murder case of 1924. Riveting film.
by Nicolas
Fri Mar 25, 2016 12:06 pm
Forum: Personal Consumer Issues
Topic: Europe Trip in August
Replies: 99
Views: 5214

Re: Europe Trip in August

.....
by Nicolas
Sun Mar 13, 2016 10:33 am
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 35
Views: 4255

Re: 300 dollars for Chase savings offer

Noticed the savings offer must be new money. I transferred 15k into chase checking from Amex savings account and then transferred the 15k from Chase checking to chase savings which I opened last week. I am hoping the money doesn't have to go directly into chase savings from an outside source to be ...
by Nicolas
Sat Mar 12, 2016 11:56 pm
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 35
Views: 4255

Re: 300 dollars for Chase savings offer

Just an update. Opened the savings account for 15k for a 300 dollar bonus last week. Easy and quick with no sales pitches. Does anyone know when the bonus money gets deposited? Any other offers as easy as this one? :) If it's like my offer you'll get the credit at the end of three months, plus five...
by Nicolas
Sat Mar 12, 2016 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10501

Re: Do most of you plan to retire "full-time"?

Wow! Your list is even bigger than mine. Are your interests in joggling, theoretical physics, and lockpicking influenced by Richard Feynman? I didn't know Feynman liked lockpicking! I just found myself looking at lockpicking videos on YouTube and was fascinated by lock design and the little tricks ...
by Nicolas
Thu Mar 10, 2016 9:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10501

Re: Do most of you plan to retire "full-time"?

I will not work again for money the rest of my life. Why is that? Do you dislike working or do you dislike money? I don't dislike money, far from it. I don't in theory dislike working either but I do dislike the work I'm currently doing, it's boring and pointless, but it does pay fairly well. I hav...
by Nicolas
Mon Mar 07, 2016 8:41 pm
Forum: Investing - Help with Personal Investments
Topic: GE Capital Bank
Replies: 12
Views: 933

Re: GE Capital Bank

Jack FFR1846 wrote:Is this now Synchrony Bank? I know they're slightly higher than Ally (1.05% vs 1%) so I went searching reviews. Holy cow, Batman! Scathing reviews consistently across the board. Wow.


I've been using Synchrony for two accounts since June last, no complaints.
by Nicolas
Mon Mar 07, 2016 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: 300 dollars for Chase savings offer
Replies: 35
Views: 4255

Re: 300 dollars for Chase savings offer

I did this offer late last year. Actually I went for the $500 deal: $300 for new checking with auto deposit (minimum $500 auto-deposited per month), and $200 for a new $15K savings minimum. Their interest rate is very close to zero. I did the math and it was definitely to my advantage even with the ...
by Nicolas
Sun Mar 06, 2016 9:15 pm
Forum: Personal Consumer Issues
Topic: Cities good for living abroad?
Replies: 98
Views: 6827

Re: Cities good for living abroad?

DireWolf wrote:
tigermilk wrote:Tokyo.


I love wondering around aimlessly in new places. I plan on doing that in Barcelona this summer. Is it safe to do so in Tokyo?


I've been to Tokyo twice. It's safe there.
by Nicolas
Sat Mar 05, 2016 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Do most of you plan to retire "full-time"?
Replies: 126
Views: 10501

Re: Do most of you plan to retire "full-time"?

I will not work again for money the rest of my life.
by Nicolas
Sat Mar 05, 2016 5:13 pm
Forum: Personal Consumer Issues
Topic: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers
Replies: 46
Views: 2723

Re: Weak Bank Password Policies Leave 350 Million Vulnerable, Say Researchers

I signed up for LastPass. Does anyone here use the premium version and is it worth it? Also, when I'm entering in my websites that I use it is asking me for a password. I thought that it generated automatic passwords. What am I missing here? I use premium and to me it's worth it. You need premium t...
by Nicolas
Tue Feb 23, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: What kind of car do you drive? [Looking for new car]
Replies: 126
Views: 5748

Re: What kind of car do you drive? [Looking for new car]

Car #1: 2006 Subaru Outback. Best vehicle we ever owned. Bought used at 30K miles.
Car #2: 1996 Toyota Corolla. Bought used from my daughter at ~130K miles. Commuter car.
Never had a new car and probably never will.
by Nicolas
Tue Feb 23, 2016 8:07 pm
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4297

Re: Madoff--Ponzi Scheme

subrosa wrote:Hello Nicolas

Re: the SEC if really interested this is actually good reading: https://www.sec.gov/news/studies/2009/oig-509.pdf


Thanks -- it's going to take me awhile to get through these 477 pages. :happy
I didn't know this existed, should make for interesting reading.
by Nicolas
Mon Feb 22, 2016 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12026

Re: Mr Money Mustache Article (New Yorker)

His regular usage of crude language is distasteful to me. What is the purpose? I agree. Seems very sophomoric. Dropping expletives on a public forum or on the written page reeks of immaturity. Hmm, I dont get it....Most people curse. How is this immature? I always thought people cursed because they...
by Nicolas
Mon Feb 22, 2016 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Mr Money Mustache Article (New Yorker)
Replies: 94
Views: 12026

Re: Mr Money Mustache Article (New Yorker)

His regular usage of crude language is distasteful to me. What is the purpose?
by Nicolas
Sun Feb 21, 2016 9:49 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 179
Views: 14860

Re: Netflix, Your Current Favorite Show

Detectorists, hilarious BBC comedy about a couple of loser metal detectorists.
by Nicolas
Sun Feb 21, 2016 9:32 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1559
Views: 316250

Re: What Movie Have You Recently Watched?

The Magnificent Seven (1960).
by Nicolas
Sat Feb 20, 2016 6:27 pm
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4297

Re: Madoff--Ponzi Scheme

Why couldn't the SEC have found this guy out and shut him down -- incompetence? I remember reading that someone in the financial industry (Harry Markopolos) looked through his annual reports and decided within five minutes that it must be a scam. He alerted the SEC and was ignored. https://en.m.wiki...
by Nicolas
Sat Feb 20, 2016 6:10 pm
Forum: Personal Consumer Issues
Topic: Anyone ever buy Hilton's Timeshares (HGVC)?
Replies: 39
Views: 4714

Re: Anyone ever buy Hilton's Timeshares (HGVC)?

I understand that since I declined Hilton's offer, I'll never be offered these time shares again for the rest of my life but I'm curious if anyone else here actually took Hilton's offer. I understand this may be a bargain for someone who travels every few months as opposed to me (traveling once or ...
by Nicolas
Sat Feb 20, 2016 9:21 am
Forum: Investing - Theory, News & General
Topic: Madoff--Ponzi Scheme
Replies: 37
Views: 4297

Re: Madoff--Ponzi Scheme

His wife did ok in the deal. Maybe that was the goal ... Shift the assests to the blameless spouse who then walks away with millions. How did that work? I would have assumed the whatsisguy in charge of deciding who gets money, who has money clawed back, would have gone after any of the family's ass...
by Nicolas
Sat Jan 16, 2016 7:04 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 5
Views: 854

Re: Best Albums of 2016

[deleted]
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: 111
Views: 12779

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: 4672

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: 5080

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: 1917

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: 2742

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: 111
Views: 18415

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: 4910

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: 4910

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: 2080

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: 2080

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

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