Search found 365 matches

by Nicolas
Fri Sep 30, 2016 8:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1911
Views: 450489

Re: What Movie Have You Recently Watched?

The Magnificent Seven (2016) . It's watchable. Here's a review... http://www.newyorker.com/magazine/2016/10/03/the-magnificent-seven-and-goat They should never attempt to remake a Steve McQueen movie. They failed with Thomas Crown and didn't learn their lesson. What's next, trying to recapture the ...
by Nicolas
Fri Sep 30, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1911
Views: 450489

Re: What Movie Have You Recently Watched?

Embrace of the Serpent (2015, Colombia) From IMDB: The story of the relationship between Karamakate, an Amazonian shaman and last survivor of his people, and two scientists who work together over the course of 40 years to search the Amazon for a sacred healing plant. Nominated for Best Foreign Lang...
by Nicolas
Fri Sep 30, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: How much Umbrella Insurance coverage needed?
Replies: 46
Views: 2928

Re: How much Umbrella Insurance coverage needed?

I have an umbrella policy equal to my net worth, including my home. That's what my agent said that most people get. But the umbrella kicks in after the amount of your underlying coverage is exhausted. So if you had 500K in underlying coverage for example, and you have a 2M net worth, you only need ...
by Nicolas
Fri Sep 30, 2016 7:47 pm
Forum: Personal Consumer Issues
Topic: Where/how do Bogleheads get their tires inflated?
Replies: 60
Views: 2602

Re: Where/how do Bogleheads get their tires inflated?

Free air at the nearby gas station. I refuse to pay for it, and with this gas station nearby, I don't have to. I top them off about every two to three weeks.
by Nicolas
Fri Sep 30, 2016 7:38 pm
Forum: Local Chapters and Bogleheads Community
Topic: Where is Livesoft?
Replies: 31
Views: 3268

Re: Where is Livesoft?

Maybe he's with The Munchkin Man.
by Nicolas
Fri Sep 30, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 1950

Re: Please recommend a new tablet

I'm still using the iPad 3rd gen I am as well, which was why the recent release of ios 10 is irritating me. They've discontinued support for the ipad 3rd gen. Only the model after that and newer work. I think they cut it off because it is the last 32 bit ipad. My ipad works as is, of course, but th...
by Nicolas
Thu Sep 29, 2016 12:50 pm
Forum: Personal Consumer Issues
Topic: Chimney Help, Please
Replies: 26
Views: 1313

Re: Chimney Help, Please

Our fireplace was falling apart in 2010, the bricks in the firebox were losing their mortar and threatening to collapse. So I called in a chimney repair specialist. He gave us an estimate and also ran a video camera up the flue. He found a crack or cracks partway up and evidence of a previous fire. ...
by Nicolas
Wed Sep 28, 2016 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: How closely do you check your credit card statements?
Replies: 58
Views: 2501

Re: How closely do you check your credit card statements?

I check each item on every statement. The only problems I've found are magazine subscriptions auto-renewing against my wishes and one time when a waitress increased her tip!
by Nicolas
Wed Sep 28, 2016 8:10 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 64
Views: 3297

Re: Has anyone been tempted to buy AMZN?

There's a story in today's Wall Street Journal that AMZN is moving heavily into shipping with designs on FedEx's and UPS's markets. They're aiming to deliver everybody's stuff, not just their own.

Google this: "Amazon’s Newest Ambition: Competing Directly With UPS, FedEx"
by Nicolas
Wed Sep 28, 2016 7:51 pm
Forum: Personal Consumer Issues
Topic: Question For Boglehead Coffee Roasters
Replies: 8
Views: 601

Re: Question For Boglehead Coffee Roasters

I've been roasting for 13 years. At first I used Poppery II popcorn poppers. But that took too much time and bother because it required five roasting batches for a pound, which is the amount of coffee I went through per week. It roasted the coffee okay but to have to do five batches was too much. So...
by Nicolas
Wed Sep 28, 2016 6:56 pm
Forum: Personal Consumer Issues
Topic: Please recommend a new tablet
Replies: 26
Views: 1950

Re: Please recommend a new tablet

I'd buy the latest iPad from Apple's certified refurbished list on Apple.com. Just enter "refurbished" in the search window on Apple.com to get there. I'm still using the iPad 3rd gen that I bought new in March 2012, never had a problem with it. While that one was new, next time, if there ...
by Nicolas
Wed Sep 28, 2016 4:17 pm
Forum: Investing - Theory, News & General
Topic: Has anyone been tempted to buy AMZN?
Replies: 64
Views: 3297

Re: Has anyone been tempted to buy AMZN?

Yes I was tempted to buy it when it was $185. I resisted the temptation.
by Nicolas
Tue Sep 27, 2016 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Scottrade FRIP
Replies: 3
Views: 216

Re: Scottrade FRIP

Yes I've been using their dividend reinvestment plan since they introduced it about a year and a half ago if I remember rightly. It works fine. There are no fees. The shares always seem to be purchased around 2PM Eastern Time for some reason, on whatever day you designate ahead of time. You need to ...
by Nicolas
Sat Sep 24, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Invest entire $1M windfall now or over time?
Replies: 39
Views: 4650

Re: Invest entire $1M windfall now or over time?

On Thursday I sold $715K of a single stock that I held for 38 years, it was my former employer's stock. I immediately reinvested the entire amount into equity index funds. After 38 years it was hard to let go. But lately I became very nervous holding that much of a single issue so I feel a great sen...
by Nicolas
Tue Sep 20, 2016 1:39 pm
Forum: Personal Consumer Issues
Topic: The Bogleheads' "100 Things Worth Every Penny" List
Replies: 227
Views: 22093

Re: The Bogleheads' "100 Things Worth Every Penny" List

Pelikan fountain pens & Pelikan 4001 Blau Schwarz ink
Hamilton wristwatches
Leatherman multitools
Green coffee beans
by Nicolas
Mon Sep 19, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: what to do with old ipad?
Replies: 16
Views: 2030

Re: what to do with old ipad?

Take it to an Apple store genius bar and see if they can do anything with it.
by Nicolas
Wed Sep 14, 2016 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38320

Re: Do you really need 2.5 million to retire well?

I've seen $75k / year discussed a lot as the point where more money doesn't equal more happiness or less stress. Let's use that as a starting point. If you have 2 SS payments where both earners hit the 2nd inflection point, they can expect $24k each at full retirement age. That leaves a gap of $27k...
by Nicolas
Wed Sep 14, 2016 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38320

Re: Do you really need 2.5 million to retire well?

Not to be a downer but... using history as a guide, what impact would a catastrophic event - stock market crash, world war, 9-point quake in major U.S. city, terrorist attack, etc - have on those in retirement? If these things were to happen then a lot of us would die sooner, then no more money wor...
by Nicolas
Wed Sep 14, 2016 8:49 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 137
Views: 8108

Re: Favorite Coffee

Pluses: Rather inexpensive coffee (Average $5/lb) that is fresher and tastes better than almost anything I can get at a store or coffee shop. Always roasted exactly to my taste, as appropriate to the cultivar. It should be noted that unroasted green beans weigh much more than already roasted beans ...
by Nicolas
Wed Sep 14, 2016 8:40 pm
Forum: Personal Consumer Issues
Topic: Favorite Coffee
Replies: 137
Views: 8108

Re: Favorite Coffee

I've been roasting my own since April 2003. This week it's Kenya Nyeri Othaya peaberry! I never buy preroasted beans, only green.
by Nicolas
Wed Sep 14, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13904

Re: Retirement: Where $200K Will Last 30 Years

BlueCable wrote:
Nicolas wrote:I won't even visit Latin America, much less retire there, until a vaccine is available for the Zika virus.


Unless you are planning on conceiving a child in retirement, why do you care about Zika?


Because it can result in Guillain-Barre syndrome.
by Nicolas
Wed Sep 14, 2016 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement: Where $200K Will Last 30 Years
Replies: 93
Views: 13904

Re: Retirement: Where $200K Will Last 30 Years

\ For those interested in a warmer climate and water, Croatia is an option. Victoria Hi, Victoria. I would think that Croatia would get quite chilly in the winter, no? Italy and even Greece do. I was in Bulgaria during the Brezhnev era....1978 I believe. Very beautiful country. Latin America has ma...
by Nicolas
Wed Sep 14, 2016 1:42 pm
Forum: Personal Consumer Issues
Topic: 16 GB or 64 GB? [for iPhone SE]
Replies: 25
Views: 1675

Re: 16 GB or 64 GB?

Get the 64, no question. I had a company-mandated 16 GB iPhone 4S and later an iPhone 6 and was always short of space. If it'd been my own phone I would've paid for the extra memory.
by Nicolas
Wed Aug 31, 2016 4:02 pm
Forum: Personal Consumer Issues
Topic: Frugality regret: What thing do you regret not spending on?
Replies: 176
Views: 33260

Re: Frugality regret: What thing do you regret not spending on?

I had a chance to see Jimi Hendrix in concert, in 1970, but I passed it up, though not for financial reasons. He died soon after....
by Nicolas
Mon Aug 29, 2016 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 75
Views: 7916

Re: Advice for unemployed 64-year old broke friend

I would take any job, whether it be for a temp agency or greeter at Walmart or whatever before I would ever consider asking friends/relatives for money. If you can't get the job you want, then take the job you can get. I agree so much. I would hate taking money from others. Me too. I was out of wor...
by Nicolas
Sun Aug 28, 2016 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: Advice for unemployed 64-year old broke friend
Replies: 75
Views: 7916

Re: Advice for unemployed 64-year old broke friend

I would take any job, whether it be for a temp agency or greeter at Walmart or whatever before I would ever consider asking friends/relatives for money. If you can't get the job you want, then take the job you can get. I agree so much. I would hate taking money from others. Me too. I was out of wor...
by Nicolas
Sun Aug 28, 2016 10:52 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1911
Views: 450489

Re: What Movie Have You Recently Watched?

Joy (2015) Jennifer Lawrence, Robt. De Niro. Mildly interesting. Glad I didn't pay to see it. Just OK. But I will say this: My wife is going to buy that mop!
by Nicolas
Sat Aug 27, 2016 1:58 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 455022

Re: What Book Are You Currently Reading? Part VI

Viking Art by James Graham-Campbell (2013), a part of the Thames & Hudson World of Art series. I find art from the Viking age to be beautiful and the subject interesting. This is a delightful book. I recommend it.
http://www.thamesandhudson.com/Viking_Art/9780500204191
by Nicolas
Thu Aug 25, 2016 9:45 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 455022

Re: What Book Are You Currently Reading? Part VI

How to Read a Book by Mortimer J. Adler & Charles Van Doren, (1940, revised 1972).
by Nicolas
Mon Aug 22, 2016 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank now allows you to submit wire transfers online
Replies: 8
Views: 1224

Re: Ally Bank now allows you to submit wire transfers online

Does Ally do foreign wire transfers, or only domestic?

Edit: Never mind. I just looked it up: They accept incoming foreign wire transfers but no outgoing.
by Nicolas
Wed Aug 17, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3387

Re: Gutters and gutter guards

Church Lady wrote:
I've toyed with the idea of using a drone to peer down into the gutters from above, or a GoPro on a stick.



Hand mirror from Dollar Tree on a stick!


Thanks but the gutters I need to check are pretty far up there, not sure I could see that. But I can try it.
by Nicolas
Wed Aug 17, 2016 7:30 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 40
Views: 3387

Re: Gutters and gutter guards

Use PVC pipes connected to a large shop vac bought from the local big box shop. Been doing it for decades, works great, and we live next to a large woods lots of leaves. Do it twice a year, once in spring and fall. Keep both feet on the ground, and push the pipes up, turn on the vac suck out all th...
by Nicolas
Sun Aug 14, 2016 7:36 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 8365

Re: Are you on Facebook?

No, I'm not on FB or any other social media. I shun it. I don't want to find anyone from my past and I don't want anyone to find me. I have nothing to share with anyone. I just want to be left alone.
by Nicolas
Fri Aug 05, 2016 8:44 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 455022

Re: What Book Are You Currently Reading? Part VI

Just finished "Classic Feynman". A collection of vignettes from a wonderful, amazing character. Nobel laureate, iconoclast, irrepressible questioner: Richard P. Feynman, an MIT/Princeton trained Los Alamos theoretical physicist, Cal Tech professor, Challenger space shuttle investigator, o...
by Nicolas
Fri Aug 05, 2016 8:30 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4477

Re: Where to find common items that last "forever"

I don't have personal experience with this company but it sounds like what you are looking for: http://www.bbc.com/news/business-34290597 Silence, thanks for the link. I'd love to have their appliances. When it comes time to replace, I'll look them up. As for the automobile depicted in the article,...
by Nicolas
Fri Aug 05, 2016 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: 19yr - Put savings into Roth IRA?
Replies: 23
Views: 1511

Re: 19yr - Put savings into Roth IRA?

I've been with Scottrade for a dozen or more years and like them. It's nice having a local office, though not absolutely necessary. It does give you some confidence that they're not going to disappear. I just visited them today, as a matter of fact, to transfer some IRAs from another company. (Two h...
by Nicolas
Fri Aug 05, 2016 7:07 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4477

Re: Where to find common items that last "forever"

Diamonds. They are forever.
Also Leatherman multi-tools and Cross pens. Both companies guarantee them for life. You can even abuse them and they will still replace them, no questions asked. I own the multi-tools and pens, no diamonds.
by Nicolas
Sat Jul 30, 2016 4:04 pm
Forum: Personal Consumer Issues
Topic: Old School alarm/table clock
Replies: 15
Views: 997

Re: Old School alarm/table clock

I bet you could find a dozen or more of these at your local Goodwill or Salvation Army for $1.99 each.
by Nicolas
Sat Jul 30, 2016 1:15 pm
Forum: Personal Consumer Issues
Topic: Timeshares, again
Replies: 57
Views: 4651

Re: Timeshares, again

We did the timeshare presentation twice, just for the free hotel nights. We never bought anything. But we won't do it again as it's just not worth the unpleasant scene when we refuse to buy. I can afford to pay the full price of a hotel stay now anyway.
by Nicolas
Sat Jul 30, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: New Tipping Practice?
Replies: 130
Views: 6592

Re: New Tipping Practice?

I've been vacationing in Europe the past two weeks, currently in Paris. The tipping practices here are pure joy. You don't tip unless you want to, because of some exceptional service, and then it's only a one euro coin, or less, on the table near the edge of your plate. Usually you don't leave anyth...
by Nicolas
Sat Jul 16, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: What's up with 4K tv? Should I buy one?
Replies: 101
Views: 6672

Re: What's up with 4K tv? Should I buy one?

I'm waiting for holographic TVs before I upgrade. Currently I have a Panasonic plasma, superior to LCD, and nobody makes them anymore. Also one TV is enough for me. Since I've retired I don't watch it much.
by Nicolas
Fri Jul 15, 2016 8:41 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 5049

Re: Retired a year - big loss [ :) ]

A couple of years ago The Munchkin Man was celebrating a weight loss here, not sure if he was retired or not, I think he was. He even got a special dispensation from the moderators to share his diet.
by Nicolas
Tue Jul 12, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 2048

Re: Vanguard broken this morning?

It's very slow for me today. I'm not trying to trade anything, just reviewing my accounts. It eventually displays but only after a long wait.
by Nicolas
Sun Jul 10, 2016 8:25 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 455022

Re: What Book Are You Currently Reading? Part VI

Under the Stars: How America Fell in Love With Camping, by Dan White, 2016. Halfway through it and so far it's been informative and enjoyable. I just finished the chapter about when John Muir camped with Teddy Roosevelt under a sequoia.
by Nicolas
Wed Jul 06, 2016 7:40 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1860
Views: 455022

Re: What Book Are You Currently Reading? Part VI

The Lord of the Rings by J.R.R. Tolkien, 1954, reading it for the fifth time, but the last time was 36 years ago.

Their Finest Hour by Winston Churchill, 1949.
by Nicolas
Wed Jul 06, 2016 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: Please help! Buyer's remorse, need advice
Replies: 104
Views: 10963

Re: Please help! Buyer's remorse, need advice

Half the battle is knowing you made a mistake. Think of all those people out there who do what you did every couple of years and think it is OK. I am prone to making purchases like you did from time to time, though this site has really helped me so it is rare I "fall off the wagon." My ad...
by Nicolas
Tue Jul 05, 2016 10:23 pm
Forum: Personal Consumer Issues
Topic: Anyone else make things for their own use?
Replies: 42
Views: 3722

Re: Anyone else make things for their own use?

I've been roasting my own coffee since April 2003. I built my own coffee roaster. My wife used to make cat food, but she stopped doing that after awhile. Sometimes we make our own soy and almond milk. I built a work bench from an old wooden packing crate (from the USSR) that I found 44 years ago, st...
by Nicolas
Sat Jul 02, 2016 7:21 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9721

Re: How many of you have cut cord?

I cut the cord years ago. I don't like to watch many shows. I watch some travel shows and some classic star trek once in a while. No way would I pay for TV. What is like now is to play christian music I like it better than TV. I found out that as you grow older TV does not interest me much anymore....
by Nicolas
Fri Jul 01, 2016 5:27 pm
Forum: Personal Consumer Issues
Topic: How many of you have cut cord?
Replies: 148
Views: 9721

Re: How many of you have cut cord?

Cord cut in May 2010. We don't miss it at all. Now using OTA antenna, Tivo, and Netflix. We get great HD reception, better than cable due to no compression. We don't watch commercials (and other uninteresting material) as we skip them with our Tivo, though we mostly just watch PBS anyway. Never care...
by Nicolas
Sat Jun 25, 2016 12:11 am
Forum: Investing - Theory, News & General
Topic: BREXIT - Whats the big deal?
Replies: 108
Views: 10833

Re: BREXIT - Whats the big deal?

The implication is total breakdown of the EU. That could have a big impact on the USA. Also the market hates uncertainty, and going into the weekend nobody wanted to be long.

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