Search found 536 matches

by Nicolas
Wed Jun 21, 2017 2:02 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3198

Re: which IPAD?

I would wait till next year if you can limp along till then. Rumor has it the next gen will have an OLED display. Actually I'm using a third gen iPad (bought new March 2012). I use it daily and so far it's still working fine, although its iOS can no longer be updated, so that's somewhat of a securit...
by Nicolas
Wed Jun 21, 2017 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: What insurance company has the best coverage for auto, renters, and umbrella?
Replies: 28
Views: 1975

Re: What insurance company has the best coverage for auto, renters, and umbrella?

I recommend Safeco. They were significantly less than the others that I comparison-shopped in March for my home, auto, and umbrella. My two million umbrella is only $275/year (two adult drivers only). I haven't made any claims yet, hopefully never have to.
by Nicolas
Sun Jun 18, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: Cancelled Cable TV Service Today... [Downsized cable service
Replies: 26
Views: 2669

Re: Cancelled Cable TV Service Today... [Downsized cable service

We dropped cable TV in 2010, keeping internet. We never had phone. We bought a Tivo w/lifetime service and paired it with a roof antenna. We also subscribe to Netflix, but not to Amazon Prime. This is more than enough TV for us. The Tivo is still working great and we're happy.
by Nicolas
Thu Jun 15, 2017 8:49 pm
Forum: Personal Finance (Not Investing)
Topic: Privacy vs $$$$
Replies: 31
Views: 3666

Re: Privacy vs $$$$

You can set up a fake identity, name, address, email, and phone number (and many other details) using the Fake Name Generator -->
http://www.fakenamegenerator.com/index.php
by Nicolas
Thu Jun 15, 2017 2:26 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4719

Re: Do You Take Your Credit Card Receipts?

Does taking the receipt make it easier or less easy for someone trying to steal your credit card info at the place of transaction or later if receipt is discarded? Receipts no longer print your credit-card numbers on them so I don't think it matters one way or the other. Don't they still print the ...
by Nicolas
Thu Jun 15, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4719

Re: Do You Take Your Credit Card Receipts?

Does taking the receipt make it easier or less easy for someone trying to steal your credit card info at the place of transaction or later if receipt is discarded? Receipts no longer print your credit-card numbers on them so I don't think it matters one way or the other. Don't they still print the ...
by Nicolas
Thu Jun 15, 2017 12:55 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4719

Re: Do You Take Your Credit Card Receipts?

Someone burns the receipts? Yes, I do, but only because it's easier than shredding them. I just throw them into our wood-burning fireplace. We have frequent fires during the colder months, so it's just extra kindling for our fires. I would never just throw them away, too paranoid for that. I know o...
by Nicolas
Wed Jun 14, 2017 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Do You Take Your Credit Card Receipts?
Replies: 79
Views: 4719

Re: Do You Take Your Credit Card Receipts?

I always take all CC receipts. Even if it's for just one dollar, I still take the receipt. I hold them all till the statement comes and then reconcile them. I then burn my receipts. Before instituting this policy I always had the vague feeling someone was ripping me off. Now I have peace of mind. I ...
by Nicolas
Wed Jun 14, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 3667

Re: Best Cheap Champagne

Costco has a Kirkland prosecco for $6.99 that's very drinkable. We prefer it over Freixenet. +1 on Costco. Pick your price range. Costco's selections will generally be among the best for whatever price they are charging. And yes, Costco's selections under their own Kirkland brand are very good when...
by Nicolas
Wed Jun 14, 2017 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33542

Re: Regret early retirement/downsizing

I get a kick out of some of the downsizing.For some reason the older homes built in the 1950,60's were so much smaller and often with one bath.At some point we all needed two or three times as much space :D And usually only a one, or at most a two-car garage. I have a three-car garage and wish I ha...
by Nicolas
Wed Jun 14, 2017 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33542

Re: Regret early retirement/downsizing

I get a kick out of some of the downsizing.For some reason the older homes built in the 1950,60's were so much smaller and often with one bath.At some point we all needed two or three times as much space :D And usually only a one, or at most a two-car garage. I have a three-car garage and wish I ha...
by Nicolas
Sat Jun 10, 2017 10:57 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Three Steps and a Stumble
Pigs Get Slaughtered
Insider Trade
Sell High
by Nicolas
Sat Jun 10, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Customer's Yacht
by Nicolas
Sat Jun 10, 2017 10:22 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Sell In May
Best Of Good Buys
by Nicolas
Sat Jun 10, 2017 8:30 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Beat The Street
Three Fund Port
Exit Strategy
Ten Bagger
Sunk Funds
Loss Aversion
Anchor Management
Debt Finder
Semper Fish
Bitcoin Barque
Loan Shark
Small Cap
Overpaid
Broke Again
Aint Cheap
Blast From The Past
Lost Inheritance
You've Got Sail
by Nicolas
Sat Jun 10, 2017 7:48 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Capital Games
Up Tick
Angel's Share
Short Sail
Joltin Joe
Long Term Gain
Limited Offering
Limited Partner
Margin Call
Mr Mojo Risin
Private Holding
Sinking Funs
VTIAX
Vomit Comet
by Nicolas
Sat Jun 10, 2017 7:34 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Stock$ and Blondes
Riches To Rags
Wash Sail
by Nicolas
Sat Jun 10, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 2095

Re: Naming boat

Won The Game
AU Mine
Boaty McBoatface

Or consult this site for 10,000 boat names.
http://10000boatnames.com
by Nicolas
Mon Jun 05, 2017 11:17 pm
Forum: Personal Consumer Issues
Topic: Gas station prices and quality
Replies: 43
Views: 2859

Re: Gas station prices and quality

I always buy the cheapest I can find where I am, using Gasbuddy. No preference except for price and it is uniformly true that Costco is the cheapest everywhere. I will avoid bad neighborhoods, however.
by Nicolas
Mon Jun 05, 2017 10:55 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts about EMQQ for emerging markets
Replies: 5
Views: 428

Re: Thoughts about EMQQ for emerging markets

There was a discussion here on this topic late last month:
viewtopic.php?f=10&t=220031&newpost=3388233
by Nicolas
Mon Jun 05, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 2780

Re: New iPad use

I listen to music on mine. I just started a three-month Spotify Premium subscription for the promotional price of just one dollar for the entire three months. I zap it to my bluetooth speaker and subwoofer from my iPad, sounds great. Spotify is still offering that promotion until later this month fo...
by Nicolas
Sun Jun 04, 2017 12:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 761974

Re: What Movie Have You Recently Watched?

Norman: The Moderate Rise and Tragic Fall of a New York Fixer . Everything comes together beautifully in this comedy starring Richard Gere. Highly recommended. https://www.nytimes.com/2017/04/13/movies/norman-review-richard-gere.html http://www.seattletimes.com/entertainment/movies/review-in-norman...
by Nicolas
Sun Jun 04, 2017 11:48 am
Forum: Investing - Theory, News & General
Topic: Everything keeps going up, this feels too easy?
Replies: 113
Views: 8589

Re: Everything keeps going up, this feels too easy?

Even if most know index funds and buy and hold is the right thing to do, I don't think many can execute this strategy for years, even many who visit bogleheads. Yes. There seems to be a large percentage of mutual fund investors that can’t avoid rushing into stocks when they are expensive and sellin...
by Nicolas
Sun May 14, 2017 12:12 am
Forum: Personal Finance (Not Investing)
Topic: Regret early retirement/downsizing
Replies: 225
Views: 33542

Re: Regret early retirement/downsizing

I retired last year at 63 1/2 and there are times that I regret it, not enough to do now, no purpose. I didn't like my job at the end, but I could've tried to do something else within the same megacorp. But since I didn't need the money I just retired instead. No going back now.
by Nicolas
Sat May 13, 2017 11:48 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6684

Re: The recent WannaCry ransomware

I'm glad I switched from a PC to an iMac last year. Because of this virus? Yes, that was the intent of my post. I'm immune from this one due to its only affecting Windows. I know I'm not immune from every virus/malware, but there are far fewer. But on the whole I like the iMac better. Also I have q...
by Nicolas
Sat May 13, 2017 11:01 pm
Forum: Personal Consumer Issues
Topic: The recent WannaCry ransomware
Replies: 60
Views: 6684

Re: The recent WannaCry ransomware

I'm glad I switched from a PC to an iMac last year.
by Nicolas
Sat May 13, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2506

Re: My old fashioned wristwatch - update

[deleted]
by Nicolas
Fri May 12, 2017 5:15 pm
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2506

Re: My old fashioned wristwatch - update

I've been pleased with my Citizen Eco-Drive watch (https://tinyurl.com/l3rjocl) which is sun/light powered and never needs a battery. There are many styles available and all will keep running for many months, even if not worn regularly and stored in the dark. Mine has held up well and not missed a ...
by Nicolas
Wed May 10, 2017 5:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714686

Re: What Book Are You Currently Reading? Part VI

Ice Ghosts , by Paul Watson. The book tells the story of the searches for the Sir John Franklin expedition lost in the Arctic in 1846 when his ships, Erebus and Terror , were trapped in the ice. There were numerous search efforts launched in the 1840s and 1850s by the British, the U.S. and private ...
by Nicolas
Wed May 10, 2017 11:04 am
Forum: Personal Consumer Issues
Topic: My old fashioned wristwatch - update
Replies: 27
Views: 2506

Re: My old fashioned wristwatch - update

My primary requirement when shopping for a watch is that it MUST have a Sapphire Crystal. Typically, cheaper watches, have quartz crystals that scratch very easily. I have always seemed to scratch every watch I own within weeks if it has a quartz crystal. In the past I thought you needed to spend t...
by Nicolas
Wed May 10, 2017 10:32 am
Forum: Personal Consumer Issues
Topic: Samsung or LG tv?
Replies: 49
Views: 2804

Re: Samsung or LG tv?

I have a ten year old Panasonic plasma. I'm going to cry when it dies. Same here. Mine is 6 1/2 years old. Still going strong and very pleased. As you know nobody makes plasmas anymore and Panasonic left the TV business completely. When it dies we'll get a 4K OLED, but not until the price drops. We...
by Nicolas
Mon May 08, 2017 7:06 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2254

Re: Switching Auto Insurance, need advice on Roadside assistant

BogleMelon wrote:Thank you all, I have decided to go with AAA


Good choice.
by Nicolas
Wed May 03, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: Switching Auto Insurance, need advice on Roadside assistant
Replies: 35
Views: 2254

Re: Switching Auto Insurance, need advice on Roadside assistant

AAA roadside assistance is not per car, it's per person. They cover you whatever car you're driving. In fact, you don't even have to be driving, you could be a passenger in someone else's car and you'd be covered. I like it because if I get stuck somewhere there's only one number to call. I don't ha...
by Nicolas
Tue May 02, 2017 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6560

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I have invested in this fund for many years and it is a core holding for me. I do have some aversion to fluxuations in NAV, so when I started, I divided FI holdings into 50% intermediate and 50% limited term TE fund. The intermediate generates higher returns, but I sleep better with half in the lim...
by Nicolas
Tue May 02, 2017 10:47 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714686

Re: What Book Are You Currently Reading? Part VI

His motive for following Don Quixote was due to his greed. He'd been promised the governorship of an ínsula, as soon as DQ conquers one, that is. As Sancho says to another squire as they compare the payment expected (if not yet received) from their respective knights errant: “I,” replied Sancho, “h...
by Nicolas
Tue May 02, 2017 10:42 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714686

Re: What Book Are You Currently Reading? Part VI

... Hi all. I'm about 2/3 the way through Grossman's Don Quixote which puts me well into Part II. I continue to appreciate this translation. As is usual, I got distracted by other books (and other life events) so stalled out on DQ. DQ itself interrupted another book I am well into (Peter Green's 20...
by Nicolas
Tue May 02, 2017 7:55 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714686

Re: What Book Are You Currently Reading? Part VI

... Hi all. I'm about 2/3 the way through Grossman's Don Quixote which puts me well into Part II. I continue to appreciate this translation. As is usual, I got distracted by other books (and other life events) so stalled out on DQ. DQ itself interrupted another book I am well into (Peter Green's 20...
by Nicolas
Tue May 02, 2017 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]
Replies: 45
Views: 6560

Re: Sleep well or not ? [Vanguard Intermediate-Term Tax-Exempt]

I have invested in this fund for many years and it is a core holding for me. I do have some aversion to fluxuations in NAV, so when I started, I divided FI holdings into 50% intermediate and 50% limited term TE fund. The intermediate generates higher returns, but I sleep better with half in the lim...
by Nicolas
Mon May 01, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Another "Why Bonds?" / Buffett 90/10 thread..
Replies: 66
Views: 8070

Re: Another "Why Bonds?" / Buffett 90/10 thread..

http://berkshirehathaway.com/letters/2013ltr.pdf ... So ignore the chatter, keep your costs minimal, and invest in stocks as you would in a farm... Regarding the "farm", Buffett has elsewhere said https://www.investingdaily.com/14729/warren-buffett-on-when-to-sell-a-stock/ After buying a ...
by Nicolas
Mon May 01, 2017 3:27 pm
Forum: Personal Consumer Issues
Topic: Senior Lifetime National Parks Pass Fee Going Up
Replies: 51
Views: 7077

Re: Senior Lifetime National Parks Pass Fee Going Up

Why get one per spouse if they always go together? Asking for my parents... People have a tendency to die. Three reasons for us: We can get an extra car with our kids into the park for free. One of us might lose their pass. One of us might lose their spouse. It's only ten bucks, for now, but later ...
by Nicolas
Mon May 01, 2017 11:20 am
Forum: Investing - Help with Personal Investments
Topic: getting off the schneid [help with moving forward]
Replies: 6
Views: 841

Re: getting off the schneid

What is OFF THE SCHNEID? It’s a figure of speech that means to end a losing streak — to stop a long run of negatives with a positive.
https://offtheschneid.wordpress.com/2008/04/30/ots/
by Nicolas
Thu Apr 27, 2017 11:58 am
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 99
Views: 18492

Re: favorite bogleheads posts?

123 wrote:Any post by Munchkin Man immediately got my attention for it's style. I always looked forward to his posts. Sadly he has not posted in quite some time.


+1.
by Nicolas
Tue Apr 25, 2017 1:33 pm
Forum: Investing - Theory, News & General
Topic: Unwinding all positions and buy back after French Elections
Replies: 55
Views: 5774

Re: Unwinding all positions and buy back after French Elections

Gufomel wrote:The Dow just passed 21k for the first time. Up about 500 or 2% since prior to the French election. Almost any stock fund would have seen similar results.

Hope you didn't "undwind".

It passed 21K for the first time at the beginning of March.
by Nicolas
Fri Apr 21, 2017 6:40 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 2165

Re: White Gold ???

I think it's related to the Rockwell Automation Retro Encabulator.
https://youtu.be/RXJKdh1KZ0w
by Nicolas
Thu Apr 20, 2017 10:48 pm
Forum: Personal Consumer Issues
Topic: Building your own fence
Replies: 35
Views: 2740

Re: Building your own fence

I put up a chain link fence around our back yard in 1980. I bought the materials from JC Penney. I couldn't afford to hire anyone at that time so I never even considered that option. Today my situation is just the opposite.
by Nicolas
Thu Apr 20, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: How inefficient is it to hold Total Bond Index in a taxable account?
Replies: 40
Views: 5617

Re: How inefficient is it to hold Total Bond Index in a taxable account?

Just to make it more complicated, because municipal bonds generally have lower returns than their taxable equivalents, I have often heard that said, but looking at today's yield curve for corporates and municipal bonds I see: "A" rated, 5-year maturity. Corporate = 2.67%, Municipal = 3.57...
by Nicolas
Thu Apr 20, 2017 10:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 37556

Re: Larry Swedroe says "Goodby."

Thanks Larry. Sorry to see you go.

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