Search found 601 matches

by Nicolas
Wed Aug 23, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: I did it and feel great about it (paid off mortgage)
Replies: 31
Views: 2991

Re: I did it and feel great about it (paid off mortgage)

I paid mine off 14 years ago, it felt great. Later a guy at work asked me "If your mortgage is paid off then why are you working all this overtime?" So I asked him "Does your wife work?". He said yes. I said mine doesn't.
by Nicolas
Wed Aug 23, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

650 miles each way. Clear sky, no clouds. That was definitely cool. So, who's up for Argentina/Chile 2019? Should be about 9,000 miles each way. I'm thinking about Argentina or Chile in 2019. I've never been to either of those two countries so I could get some sightseeing in too. There will be a to...
by Nicolas
Mon Aug 21, 2017 8:48 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

... The moon started its bite at the 1 o'clock position on the sun, but when it left the sun it did so at the 9 o'clock position. You would think it would've exited at 7 o'clock but it did not. Probably because the earth moved in its rotation during occlusion (?) I'm ready for 2024! Nothing changed...
by Nicolas
Mon Aug 21, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

We drove six hours to Missouri and experienced 2:26 of totality from the Washington Park and Fairgrounds, Washington, MO. I chose this site over St. Clair, MO as they were supposed to be mobbed by 50,000 people. They had ten seconds more of totality than we had, but I didn't want the mob. The locals...
by Nicolas
Sun Aug 20, 2017 5:05 pm
Forum: Investing - Theory, News & General
Topic: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading
Replies: 14
Views: 2056

Re: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading

But the machines don't travel or look up. True, with program trading there probably won't be much of an effect. In former years the effect might've been more pronounced, but maybe not, those traders were/are pretty intense. After all, with money to be made why would they pause to gaze at a natural ...
by Nicolas
Sun Aug 20, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

I just arrived at St. Louis from the north, six hour trip, as expected. Traffic south was pretty heavy but no significant delays. The rest stops along the freeway were jammed. Traffic in the other direction noticeably lighter. The DOT electronic signs warn of heavy traffic due to the eclipse on 8/21...
by Nicolas
Sat Aug 19, 2017 11:00 pm
Forum: Investing - Theory, News & General
Topic: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading
Replies: 14
Views: 2056

Re: 21 AUG 2017 solar eclipse's effect on volume of USA stock market trading

Difficult to say. Looking at the historical record, the last time a total solar eclipse swept across the entire continental United States was on June 8, 1918, a Saturday. The markets were closed. Then if we check the last two total solar eclipses to occur across just New York City, the center of sto...
by Nicolas
Fri Aug 18, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Non-fiction bucket list
Replies: 79
Views: 4759

Re: Non-fiction bucket list

The Rise and Fall of the Third Reich by William L. Shirer
by Nicolas
Thu Aug 17, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: which 27 inch imac to purchase?
Replies: 11
Views: 796

Re: which 27 inch imac to purchase?

Check the certified refurbished prices at the Apple Store before you buy.
by Nicolas
Mon Aug 14, 2017 4:38 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

The Amtrak Eclipse Train sold out in 22 hours. It's scheduled from Chicago to Carbondale round trip with a stop in Champaign, eclipse glasses included. But -- it's sold out. https://media.amtrak.com/2017/08/take-amtrak-carbondale-total-solar-eclipse-experience-without-expensive-lodging-driving/ http...
by Nicolas
Mon Aug 14, 2017 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: $400,000 Roth Conversions Between Ages 66-69?
Replies: 152
Views: 23492

Re: $400,000 Roth Conversions Between Ages 66-69?

I'm not trying to troll. May be it is a stupid question, but ... Why would one start to convert Traditional IRA to Roth IRA? Is it for saving based on tax bracket? Thanks Because after the age of 70 1/2 the federal government forces you to take RMDs (Required Minimum Distribution) every year. The a...
by Nicolas
Sun Aug 13, 2017 7:53 pm
Forum: Forum Issues and Administration
Topic: Please consider setting a time limit of 15 minutes to edit a post
Replies: 31
Views: 2656

Re: Please consider setting a time limit of 15 minutes to edit a post

I like it just the way it is. Sometimes I will rashly post something perhaps too personal or silly which I will regret, sometimes days later. I like the ability to remove my offending words lest they stand for all eternity.
by Nicolas
Sun Aug 13, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Where to buy glasses for eclipse viewing ?
Replies: 71
Views: 5643

Re: Where to buy glasses for eclipse viewing ?

We got ours for free at a local library after consulting this map of libraries offering free eclipse glasses. http://spacescience.org/software/libraries/map.php
Ours were sourced from a NASA-approved source so we know they're the real thing.
by Nicolas
Sun Aug 13, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 31
Views: 2603

Re: Soliciting personal recommendations for a European trip

We went to Andorra for a day and didn't like it much. It's mainly a place for the Spanish & French to go to to buy duty-free electronics, perfume, and motorcycle parts. But we didn't stay at a resort, it was just a day trip. It's fun now to tell people I've been there, that's the value it has for me.
by Nicolas
Sun Aug 13, 2017 1:21 pm
Forum: Personal Consumer Issues
Topic: T-Mobile promotion for 55+
Replies: 46
Views: 3458

Re: Just saved $1000 / year on mobile plan

We pay about $13/month for two lines on Tracfone. Not unlimited, but we don't need it. We have more than enough minutes, texts, and data, and our coverage is good.
by Nicolas
Sat Aug 12, 2017 4:03 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

I am very close to the totality zone, and would like to go outside and watch, but the glasses seem to be in short supply around here. I have no interest in buying a 24-pack from Amazon If you bought that 24-pack, then walked around your neighborhood selling them for $5 a piece the morning of the ec...
by Nicolas
Sat Aug 12, 2017 1:23 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

365 million miles. That's the distance to Jupiter, which has 67 moons (more of a chance to see a partial/full eclipse) :mrgreen: ... - Ron Only five of the Jovian moons are capable of completely occulting the Sun: Amalthea, Io, Europa, Ganymede and Callisto. All of the others are too small or too d...
by Nicolas
Fri Aug 11, 2017 11:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

The problem in that case would come if having to sell in a down market. That's why it's nice to have a few bucks around so you can ride out bear markets without having to touch it. I don't see that as much of a problem at all for millionaires (">> $1kk") But selling low still hurts even if you've g...
by Nicolas
Fri Aug 11, 2017 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

The problem in that case would come if having to sell in a down market. That's why it's nice to have a few bucks around so you can ride out bear markets without having to touch it. I don't see that as much of a problem at all for millionaires (">> $1kk") But selling low still hurts even if you've g...
by Nicolas
Fri Aug 11, 2017 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

I get confused about this "emergency" fund business. Why is it separated from other investment funds? I can see for someone just starting out that there may be some utility to putting some money away in a separate account for an "emergency." But it seems to me that the req't for such an account dis...
by Nicolas
Fri Aug 11, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

If I like it, I might make plans for a repeat in 2024. I just checked my calendar, and unfortunately I already have a conflict for the 2045 date ;) What are you doing in 2045? I hope you don't mean what I think you mean... Well, I can't vouch for the reliability of the online calculator I used, but...
by Nicolas
Fri Aug 11, 2017 5:02 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001647

Re: U.S. stocks in freefall

Can we have some fun with this thread? I bet tomorrow will be another down day. I cannot believe that I lost this bet. Is the U.S. economy or the stock market really that resilient? Investors are like sparrows at a birdfeeder. Something spooks them, they all fly away. In a short time, 1 comes back,...
by Nicolas
Fri Aug 11, 2017 4:51 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

If I like it, I might make plans for a repeat in 2024. I just checked my calendar, and unfortunately I already have a conflict for the 2045 date ;) What are you doing in 2045? I hope you don't mean what I think you mean... It is strange to see that map and realize there are only a few chances left ...
by Nicolas
Fri Aug 11, 2017 4:44 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 243
Views: 11611

Re: How far would you travel to see The Eclipse?

We're driving six hours each way to see it, our first. So can't say whether it'll be worth it or not, but didn't want to pass up this chance. We managed to secure a hotel reservation at our destination for two nights. That should help with avoiding traffic. Some people cross oceans to see them. If y...
by Nicolas
Fri Aug 11, 2017 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

Here's what I do: 1/3 in hard cash (i.e. literal bills that are safe but easily accessible 24/7; can't understand why more Bogleheads don't seem to do this at all) 2/3 in Wellesley Income (this exposes me to a little volatility [historical max has been just under 10% loss in a year] but also helps ...
by Nicolas
Fri Aug 11, 2017 3:08 pm
Forum: Investing - Theory, News & General
Topic: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?
Replies: 27
Views: 2465

Re: Anyone Out There Who Has Failed To Stick To Their Long Term Investing Plan?

I completely agree on changing at later stages of a bear market! Personally don't think I would be able to live with myself as a devoted Buffet follower, selling like crazy during a crash - would be all talk no action I think the capacity to think logically really helps. I used to be a nervous flye...
by Nicolas
Fri Aug 11, 2017 12:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001647

Re: U.S. stocks in freefall

It was Oct. 19th, 1987, not Oct. 9th. I grew up near the Falls Shopping Center in Southwest Miami. The story of someone going to the Falls, killing his broker, then himself soon after the Oct. 19 drop has fascinated me. Had the client taken the Bogle view of staying the course, or don't do somethin...
by Nicolas
Fri Aug 11, 2017 12:06 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3822
Views: 1001647

Re: U.S. stocks in freefall

RRAAYY3 wrote:it was sort of depressing to buy up admiral shares of int'l and then instantly watch it plummet ... rather than cry, bought 2K more ... and i'll do it again Monday if need be
I just did a Roth conversion last week -- all in VWO (Vanguard Emerging Markets Index ETF) :annoyed
by Nicolas
Thu Aug 10, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 37
Views: 3654

Re: Health Savings Account

Keep putting in the max as long as you can. I wasn't eligible for an HSA until 2010 and as of this year I'm no longer eligible, but I put in the max every year and saved 60K. I wish I'd had more years to save.
by Nicolas
Thu Aug 10, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

There's always the possibility of the "Pope" phenomenon. In St. Louis, the Pope was coming to visit, with a parade through the city. For weeks before, there were dire forecasts of huge traffic problems and massive crowds from the city and the media. So many fewer folks went downtown for the parade,...
by Nicolas
Thu Aug 10, 2017 2:45 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

Good luck to everyone trying to get into the totality zones. They are saying the road between Idaho and Utah (I-15) will be backed up for hours and potentially days, especially afterwards. In Idaho they are putting out port a potties along the freeway and encouraging people to have several days of ...
by Nicolas
Thu Aug 10, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

Guess im one of the few who couldnt care less about the solar eclipse. Ill be out in washington state...only 1.5 hours from totality line or whatever in oregon. No interest...ill be headed up to olympic np...ill check it out from there. I bought those cheap glasses. My guess is life will go on if I...
by Nicolas
Thu Aug 10, 2017 11:33 am
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

what happens to all the animal kingdom who looks at sun? do they all go blind? or their eyes have different technology that ours? yes the question is somewhat facetious but anytime I have been told "don't do that or you will go blind" advice on certain activity, I need to make sure that the advice ...
by Nicolas
Thu Aug 10, 2017 10:18 am
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1774

Re: Best at Home Safe

My father-in-law had a HUGE safe....one like you would see in grocery stores back in the 60s, 70s, 80s. When he passed away we got it. The thing easily weights 3000 lbs. and is on casters. We hired a towing/wrecker company to pick it up and deliver it to our garage. When it's moved, I have to use a...
by Nicolas
Thu Aug 10, 2017 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

Here's what I do: 1/3 in hard cash (i.e. literal bills that are safe but easily accessible 24/7; can't understand why more Bogleheads don't seem to do this at all) 2/3 in Wellesley Income (this exposes me to a little volatility [historical max has been just under 10% loss in a year] but also helps ...
by Nicolas
Thu Aug 10, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best at Home Safe
Replies: 24
Views: 1774

Re: Best at Home Safe

I think it's a bad idea to have a safe because it makes you a target. We don't keep any valuables at home so we don't need one. In fact, we have no valuables, just electronics which are easily replaceable. You don't want to be known as someone who keeps valuables at home. Go watch "In Cold Blood" ag...
by Nicolas
Thu Aug 10, 2017 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 4055

Re: Where To Put My Emergency Fund?

Here's what I do: 1/3 in hard cash (i.e. literal bills that are safe but easily accessible 24/7; can't understand why more Bogleheads don't seem to do this at all) 2/3 in Wellesley Income (this exposes me to a little volatility [historical max has been just under 10% loss in a year] but also helps ...
by Nicolas
Wed Aug 09, 2017 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: MUB / Bonds
Replies: 12
Views: 678

Re: MUB / Bonds

I'll let others weigh in on whether this is a suitable investment for only a two year time span. You can get total return on Morningstar.com. Here it is for MUB.
http://performance.morningstar.com/fund ... ture=en_US
by Nicolas
Wed Aug 09, 2017 1:39 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7482

Re: Aug. 2017 US total eclipse hotel reservations.

gvsucavie03 wrote:Also, 2024 is supposed to be even better. I will be enjoying both.
I'll be traveling for both. And in 2099 there'll be another total eclipse, passing right over my house grave. I won't have to travel for that one. :(
by Nicolas
Sun Aug 06, 2017 10:04 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 4839

Re: Is the Munchkin MAN still alive?

Oh Man ! after reading some of the responses, i'm back when Munchin responded daily on his activities with his penny stocks and especially the blow by blow account with his girlfriend. Is there a way that i can re-cap those memories and conversations on this forum and others ??? I would appreciate ...
by Nicolas
Sun Aug 06, 2017 3:09 pm
Forum: Local Chapters and Bogleheads Community
Topic: Is the Munchkin MAN still alive?
Replies: 16
Views: 4839

Re: Is the Munchkin MAN still alive?

As poster Bengal22 said Ahhhhh,he was an excellent story teller from the days of old. Munchin if your still above the grass ,please post a message and let us know how you are doing. You were an enjoyable read. I miss him too. It appears his last login was Aug. 21, 2013. But he has disappeared befor...
by Nicolas
Sun Aug 06, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Bose Noise Cancelling Headphones
Replies: 49
Views: 3692

Re: Bose Noise Cancelling Headphones

Supposedly Bose are the best at noise cancelling, although there are better headphones for audiophiles in the same price range such as the Hifiman HE400S Full-Size Planar Headphones. They make an airplane trip much more enjoyable. They are great when someone is vacuuming or blowing leaves (or you a...
by Nicolas
Sun Jul 09, 2017 2:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2880
Views: 845164

Re: What Movie Have You Recently Watched?

I started to watch a preview of "A man Called Ove", and accidentally hit the rent button. It was ok, I got used to the subtitles quickly. They were large and clear. The move was somewhat enjoyable, but I would not rent it again, nor say it was a great movie. It was informative on how othe...
by Nicolas
Mon Jul 03, 2017 7:59 pm
Forum: Personal Consumer Issues
Topic: Lastpass anyone use it?
Replies: 31
Views: 2922

Re: Lastpass anyone use it?

Yes I use it, I consider it essential. I haven't changed my master password in the two years I've had it. (I picked a very good one). I'm a premium user. I don't use two-factor currently but I probably should.
by Nicolas
Mon Jul 03, 2017 6:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roll call Warren Buffet 90/10 portfolio
Replies: 89
Views: 14303

Re: Roll call Warren Buffet 90/10 portfolio

snarlyjack wrote:I 'am approximately 90/10.

92% VHYDIX.
8% Local Bank CD's.
+ some cash in checking & savings account.
No debt.


No such ticker. Did you mean VHDYX?
This is Vanguard High Dividend Yield Index Fund Investor Shares.
by Nicolas
Mon Jul 03, 2017 5:23 pm
Forum: Investing - Theory, News & General
Topic: 100% stocks no debt?
Replies: 56
Views: 4369

Re: 100% stocks no debt?

You might, but the real downside is an economic downturn when your stock value plunges and you lose your job. I guess that's what I'm wondering... historically if you look at any 30 year period how bad has it been to be invested in the market that whole time? According to this author, during the wo...
by Nicolas
Sun Jul 02, 2017 4:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 21
Views: 2841

Re: Roll Call for the Retirement Class of 2018!

mrc wrote:
NCPE wrote:I will miss the people but not the work…..


Congratulations! Funny thing, I miss the work but not the people. Class of '17

I miss neither the work nor the people. :| Class of '16.
by Nicolas
Sat Jul 01, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Engagement Ring Insurance
Replies: 46
Views: 3157

Re: Engagement Ring Insurance

No engagement ring for my wife, wedding ring was $50. Mine was $15. Of course this was a lotta years ago (we were teenagers and poor). No insurance needed. We're still married.