Search found 585 matches

by Ricola
Sun Sep 17, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: What am I missing, Bogle/Buffet investment philosophy
Replies: 19
Views: 1864

Re: What am I missing, Bogle/Buffet investment philosophy

Just pre-order the updated book "The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle. The front cover has the following quote: "Rather than listen to the siren songs from investment managers, investors—large and small—should i...
by Ricola
Sun Sep 17, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1259

Experian takes money but doesn't Freeze

Like others, we are freezing all credit agency accounts. However, Experian web site makes you go through the freezing application, takes your money, and then tells you they cannot freeze your account and that you need to send a bunch of information and a check to them by mail. Are others experiencin...
by Ricola
Mon Sep 04, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

The House starring Will Ferrell. Silly funny. Despite not so good reviews, we enjoyed it. Relax and laugh a little. :)
by Ricola
Sat Sep 02, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4076

Re: Do you know your bond portfolio's REAL 12 month total return?

do [you] have similar data for TSM? Would be nice to have for my two fund portfolio. :) You can find a TSM data series (and much more) in the Simba backtesting spreadsheet . And then you can compare a two fund portfolio with other types of portfolios, and see what happened in various time periods. ...
by Ricola
Sat Sep 02, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4076

Re: Two fund portfolio !!

Taylor, do have similar data for TSM? Would be nice to have for my two fund portfolio. Ricola: Owning only two good funds, I'll guess your avatar is a picture of your yacht. I do not have similar data for Total Stock Market. It should not matter. The 500 Index fund has similar returns as TSM. Best ...
by Ricola
Sat Sep 02, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 4076

Re: Do you know your bond portfolio's REAL 12 month total return?

Bogleheads: Below are two columns: U.S. inflation and Vanguard Total Bond Market returns, since Mr. Bogle introduced TBM in 1986: YEAR..INFLATION....RETURN 1986-------1.1%--------15.2% 1987-------4.4-----------2.8 1988-------4.4-----------7.9 1989-------4.6----------14.5 1990-------6.1-----------8....
by Ricola
Sun Aug 27, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 6798

Re: Crashplan for Home ending service late 2018

Why no mention of IDrive, they are rated number 1 by a few online reviews. According to them IDrive does everything you could imagine and are offering 70 -90% first-year discounts. I tried them but spent way too much time trying to get it to work. Ended up uninstalling, but they don't have a way to ...
by Ricola
Fri Aug 18, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 208
Views: 23279

Re: What is Bitcoin?

Not FDIC insured.
by Ricola
Wed Aug 16, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2209

Re: Backup of Sensitive Information

Will you please answer one other question. If I have to type in the local key does that mean the local key is simply the password used to encrypt the file. When I used Boxcrypter their software said they store the key in the cloud but I still needed a password to open Boxcrypter. I have no familiar...
by Ricola
Sat Aug 05, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Stock market bubble
Replies: 22
Views: 1879

Re: Stock market bubble

Decision making is always relative. In this case, how much money or percentage of your portfolio are you planning to invest? If a large percentage then I say be cautious. If a very small percentage, then take a chance, the downside is not devastating. In 2007, as the Dow crossed 14000 everyone was v...
by Ricola
Fri Jul 21, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2016

Re: Alternatives to Sansa Clip+ MP3 Player

Here's a link to bestbuy.com with sansa clip that show some options at $35, $49 and $59: http://www.bestbuy.com/site/searchpage.jsp?st=sansa+clip&_dyncharset=UTF-8&id=pcat17071&type=page&sc=Global&cp=1&nrp=&sp=&qp=&list=n&af=true&iht=y&usc=All+Categories&ks=960&keys=keys I looked at the manual for ...
by Ricola
Fri Jul 21, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2016

Re: Alternatives to Sansa Clip+ MP3 Player

Me too. I have used it for audiobooks for at least 7 years, takes a beating and keeps working. When looking the reviews for the newer models they all seem to not work as well the old one at least for audiobooks. Before the Sansa Clip I tried the ipod but its was too restrictive as to what could be ...
by Ricola
Fri Jul 21, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2016

Re: Alternatives to Sansa Clip+ MP3 Player

Me too. I have used it for audiobooks for at least 7 years, takes a beating and keeps working. When looking the reviews for the newer models they all seem to not work as well the old one at least for audiobooks. Before the Sansa Clip I tried the ipod but its was too restrictive as to what could be u...
by Ricola
Sun Jul 09, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

"Gold" starring Matthew McConaughey, an American crime drama based on a true story. I think most Bogleheads will really enjoy it.
by Ricola
Fri Jul 07, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Hooked on Great British Baking Show and Great British Baking Show Class. Shows on Netflix and PBS. :)
by Ricola
Mon Jul 03, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: black swan/fooled by randomness
Replies: 11
Views: 2386

Re: black swan/fooled by randomness

I read Black Swan in 2007 and didn't utilize the information. :oops: From what I remember Taleb's investment method is 90% Treasuries and 10% high-risk speculation plays, he doesn't trust the stock market.
by Ricola
Sat Jul 01, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 6841

Re: The Index fund fallacy - what we lost sight of!!

Could we have some discussion on this please? The biggest problem is I see with what the OP is proposing is the confusion between becoming an active, enterprising investor (who analyzes and selects individual stocks) and a passive, defensive investor (who is content with the market return). From Be...
by Ricola
Fri Jun 30, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 6841

Re: The Index fund fallacy - what we lost sight of!!

Remember the old saying "don't fall in love with your stocks".
by Ricola
Wed Jun 21, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5065

Re: Help with Guns in Estate [how to sell]

To get rid of them, give them to your local Police Department.
by Ricola
Sat Jun 17, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: The terrible things I have done--I wish to come clean
Replies: 24
Views: 2716

Re: The terrible things I have done--I wish to come clean

Wonderful humor, nice to lighten up a little. :D
by Ricola
Sat Jun 17, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 5970

Re: Favorite Feature of Vanguard Website?

Wells VG's is much better than Wells Trade's (Wells Fargo). WT went to a new improved version that is worse than their old version; big font, large open white spaces, difficult to find anything, just horrible.
by Ricola
Sat Jun 10, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 11365

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Needs the publicity for his new book, newsletter, interviews, etc.
by Ricola
Sat Jun 10, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 8290

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

“There seems to be some perverse human characteristic that likes to make easy things difficult. ” ― Warren Buffett :D
by Ricola
Sat Jun 03, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819871

Re: What Book Are You Currently Reading? Part VI

Just finished "The Undoing Project" by Michael Lewis. Ok...I struggled with this book. I kept waiting for the Michael Lewis to kick in. It did at the end, but quite frankly I referred to this book (to my wife) as the "nap book". After reading 5 pages, I would put the book down a...
by Ricola
Sat Jun 03, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819871

Re: What Book Are You Currently Reading? Part VI

Most Dangerous: Daniel Ellsberg and the Secret History of the Vietnam War, really enjoyed the detailed timeline of events, most revealing. Has there been a movie or series made this? If not it would be very good.
by Ricola
Wed May 24, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1542

Re: Ally Self-Directed Trading

Are they offering any incentives to ACAT existing accounts over the them?
by Ricola
Sun May 14, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819871

Re: What Book Are You Currently Reading? Part VI

Last three that I really enjoyed: Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future Hardcover by Ashlee Vance The Infiltrator: My Secret Life Inside the Dirty Banks Behind Pablo Escobar's Medellín Cartel by Robert Mazur....saw the movie first and the book is much better at providing the...
by Ricola
Sat Apr 15, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5489

Re: Larry Swedroe on Understanding Different Types of Risk

Reminds me of: The problem with thinking you know more than the experts. That was the title of a segment on the PBS Newshour last night. "More and more, people don't care about expert views. That's according to Tom Nichols, author of "The Death of Expertise," who says Americans have b...
by Ricola
Fri Mar 17, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3725

Re: Schwab: Is There Ever a Bad Time to Invest?

Yes, but is this just selective data. Could some find other time frames and prove just the opposite?
by Ricola
Sun Feb 19, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Inside Job on Netflix. Excellent and alarming.
by Ricola
Sat Feb 11, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating to Wells Fargo?
Replies: 18
Views: 1426

Re: Consolidating to Wells Fargo?

Beware of WF. They have some of the highest fees in the industry. If you have multiple accounts understand that WF will charge you, I believe it is now up to $125 per account to transfer out of WF say to some other brokerage. Also will charge fees to close each account. This includes PMA accounts. A...
by Ricola
Sat Feb 04, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Starting watching the series Oliver Stone’s Untold History of the United States'. Interesting to watch and learn some new through a new lens.
by Ricola
Sun Jan 29, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Game won with market up and retire or Not Yet?
Replies: 33
Views: 5176

Re: Game won with market up and retire or Not Yet?

Thanks everyone for all of your replies. Yes, I am a physician as well and miss the old way of delivering responsible medicine and now cannot halt the fragmentation of today's care. Despite my contributions my director told me he no longer can accommodate my concerns. Everyone's input here helps dr...
by Ricola
Fri Jan 27, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819871

Re: What Book Are You Currently Reading? Part VI

How Everything Became War and the Military Became Everything: Tales from the Pentagon by Rosa Brooks. Our new Secretary of Defense recommends : “One of the most thought-provoking books I’ve ever read. It’s as if we have been sleep walking into this new world and Rosa has turned on a flashlight to sh...
by Ricola
Wed Jan 25, 2017 6:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 10495

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

When Taylor speaks, people (especially me) LISTEN!

Wishing all the best on you Birthday! Cheers :sharebeer
by Ricola
Mon Jan 16, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Goldman Sachs, The Bank that Runs The World on Netflix. Excellent look at this mega bank.
by Ricola
Mon Jan 16, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Tokyo Trial on Netflix, about the International Military Tribunal for the Far East after Japan's surrender in World War II. And also on Netflix Nuremberg: NAZIS on Trial. Both great historical series from WWII with detail not normally provided.
by Ricola
Sun Jan 15, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Lo and Behold: Reveries of the Connected World on Netflix. Amazingly informative and well done.
by Ricola
Sun Jan 08, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Hell or High Water, American neo-western heist-crime. Staring Jeff Bridges, Chris Pine, Ben Foster. Really enjoyable...two thumbs up. :)
by Ricola
Sat Jan 07, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Killswitch,on Netflix, it is a documentary film about the battle for control over the Internet. Makes you think a little :)
by Ricola
Sat Dec 24, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2587
Views: 819871

Re: What Book Are You Currently Reading? Part VI

Killing the Rising Sun: How America Vanquished World War II Japan by Bill O'Reilly and Martin Dugard
Just starting but so far an easy and interesting read, a quick summary of the key battles and events of the war with Japan.
by Ricola
Sat Dec 24, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Want my employees to take over my company
Replies: 20
Views: 4271

Re: Want my employees to take over my company

Yes, make it a Worker's Self-Directed Enterprise (WSDE) or COOP. The Mondragon corporation in Spain is one of the biggest, with over 100,000 employees. Professor and Economist Professor Richard Wolff has written books about going to this type of businesses model. He even has contacts with Attorney's...
by Ricola
Sun Dec 11, 2016 2:33 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Jack Reacher: Never Go Back starring Tom Cruise. Having read many of the novels and seen the first movie version I thought this was much better than the first movie. They did wonders with this movie in making Tom Cruise into the Jack Reacher character. IMHO it was terrific. :)
by Ricola
Sat Dec 03, 2016 12:00 pm
Forum: Personal Consumer Issues
Topic: Gooligan?
Replies: 6
Views: 754

Re: Gooligan?

123 wrote:Perhaps they're ashamed.

Yea, I am sure. Hope somebody here knows the full scope and can explain.
by Ricola
Sat Dec 03, 2016 11:49 am
Forum: Personal Consumer Issues
Topic: Gooligan?
Replies: 6
Views: 754

Gooligan?

I am hearing news stories about Gooligan an Android Hack but have not seen anything official from Google itself. Some articles from computer magazines reference a site called Check Point to verify if your account is on the hacked list. Without anything official from Google how are we to know if the ...
by Ricola
Sun Nov 27, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: I'm calling a bond bottom.
Replies: 31
Views: 7480

Re: I'm calling a bond bottom.

Fred, I think your on to something. We are also due for a cyclical recession anytime now. A rise in interest rates may be the catalyst for the recession. I walked through a Walmart on Black Friday and there were no crowds. Stacks of so called super bargain items remained pretty much untouched. Maybe...
by Ricola
Sat Nov 12, 2016 8:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

All The Way, based on events of the presidency of Lyndon B. Johnson and staring Bryan Cranston. Really well done and enjoyable.
by Ricola
Sat Nov 12, 2016 4:08 pm
Forum: Personal Consumer Issues
Topic: Experience selling car to Carmax?
Replies: 82
Views: 60195

Re: Experience selling car to Carmax?

+1 Excellent experience, no shenanigans, fast, fair, and courteous. As good as the selling experience was, I would now consider buying from them.
by Ricola
Fri Nov 04, 2016 6:11 pm
Forum: Personal Consumer Issues
Topic: New Dentist - Lots of Recommended Work
Replies: 55
Views: 6801

Re: New Dentist - Lots of Recommended Work

Had my son in for cleaning and exam in his teens. Prior 6 mos visit he had no issues. This visit dentist says he has 7 cavities one side. We wait and have a different dentist as same facility check, and he say no, he has 5 cavities on the Opposite Side! How can this be science? :oops:
by Ricola
Sun Oct 30, 2016 3:01 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2939
Views: 864522

Re: What Movie Have You Recently Watched?

Jason Bourne. To me this is the best Bourne movie yet. High tech, fast moving, and of course the chase scenes are amazing. :)