Search found 526 matches

by Ricola
Sat Sep 24, 2016 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: TSP - Surviving spouse should probably move out of the TSP
Replies: 11
Views: 893

Re: TSP - Surviving spouse should probably move out of the TSP

Good Find! If you are not going to use the annuity payout method probably better to do a rollover IRA with another institution.
by Ricola
Sun Sep 18, 2016 2:55 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8736

Re: Disappointing News Wells Fargo

We have our mortgage at WF. I'm a mega corp retiree. I'm amazed and appalled at the WF CEO's statement that it was the employees fault. Where are the controls, where is the cultural ethos for the company. The BOD should fire the CEO. Perhaps the BOD should consider replacing responsible management....
by Ricola
Sun Sep 18, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8736

Re: Disappointing News Wells Fargo

I have several accounts with Wells and a PMA relationship and a big investment account. I have been a customer for 45+ years. Last year I closed a old savings account I had owned for years. I think it had $215 or so in it. There was no service charge. They just closed it. I did get a statement show...
by Ricola
Sun Sep 18, 2016 11:29 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8736

Re: Disappointing News Wells Fargo

jdilla1107 wrote:Nothing at WF has cost me any fees (yet), but it's become obvious that they really base their core metrics on "number of accounts open".

Its a trap, they get you in easy, but punish you hard if you try to leave.
by Ricola
Sun Sep 18, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8736

Re: Disappointing News Wells Fargo

I would like to get my accounts out of there but don't want to pay them over $1000 in punishment fees to move my accounts. :annoyed
by Ricola
Sat Sep 17, 2016 2:37 pm
Forum: Personal Consumer Issues
Topic: Windshield wiper chatter
Replies: 7
Views: 685

Re: Windshield wiper chatter

I've gotten the chatter when replacing the rubber and assembly with aftermarket parts. Going back to the OEM assembly and rubber cured everything. Now I just have the rubber inserts replaced and keeping the OEM assembly, or replacing both assembly and insert with OEM parts.
by Ricola
Sat Sep 17, 2016 10:01 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Where to Invade Next by Michael Moore. I highly recommend everyone watch this movie, a real eye-opener and funny too.
by Ricola
Sat Sep 10, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7880

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Looking at transferring some accounts out of WF and noticed they have the highest of all brokerages' punishment fees to leaving them :oops: .
by Ricola
Sat Sep 10, 2016 12:17 pm
Forum: Investing - Theory, News & General
Topic: ["Wells Fargo Fined for Years of Harm to Customers"]
Replies: 129
Views: 7880

Re: ["Wells Fargo Fined for Years of Harm to Customers"]

Yep. The banks aren't like this anymore. :( https://s11.postimg.org/kn7g0rgwj/121226_wonderful_life1.jpg 20 years ago I belonged to a credit union that was like this. Maybe there are still some of those left. Amazingly, the Bank of North Dakota is the only U.S. public bank. Its only purpose is to s...
by Ricola
Sat Sep 10, 2016 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 93
Views: 12372

Re: Wells Fargo

Bogleheads, An update: Wells Fargo does not change fees to transfer funds to Vanguard. This is great news! I was worried for a bit. To date we are very happy. We are not starting to feel the benefits of simplicity and consolidation with banking for the first time in years/ever. Where is this writte...
by Ricola
Sat Sep 10, 2016 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 93
Views: 12372

Re: Wells Fargo

Bogleheads, An update: Wells Fargo does not change fees to transfer funds to Vanguard. This is great news! I was worried for a bit. To date we are very happy. We are not starting to feel the benefits of simplicity and consolidation with banking for the first time in years/ever. Where is this writte...
by Ricola
Sun Sep 04, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

"The Man Who Knew Infinity" Another vote for this movie. Good summer viewing with a true story as a basis. Wife liked it too. No violence, nudity, foul language or sexual grossness. Dan999 Watched this last night. Loved it! How come I have never heard this history of Srinivasa Ramunujanst...
by Ricola
Sun Sep 04, 2016 10:43 am
Forum: Personal Consumer Issues
Topic: Next Weekend Car - Dodge Viper to What?
Replies: 65
Views: 4597

Re: Next Weekend Car - Dodge Viper to What?

How about an Alfa Romeo.
https://www.alfaromeousa.com/cars/alfa-romeo-4c-coupe
I saw one yesterday drive by a group of Porsche's (probably a club event) parked downtown, was quite unique compared to the line of parked Porsche's.
by Ricola
Sat Sep 03, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11452

Re: Who is ready for iphone 7?

Never owned an Apple product, but my index includes Apple stock...so go for it! :sharebeer
by Ricola
Fri Sep 02, 2016 1:38 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Finest Hours, story from Michael J. Tougias, who spent years researching and writing the definitive account of the Coast Guard's greatest small-boat rescue, he said the movie got it right. Spotlight, with Michael Keaton, excellent movie. Underground: The Julian Assange Story, early life story, how t...
by Ricola
Sat Aug 27, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Any Porsche 911 owners here?
Replies: 118
Views: 11251

Re: Any Porsche 911 owners here?

Unless you are planning to take to the track, don't understand how it is going to be fun. As Jay Leno said, with laws we have the only fun you can have in a car is between 40 and 80 mph. A more under powered car can be more fun in those ranges.
by Ricola
Fri Aug 26, 2016 7:38 pm
Forum: Investing - Theory, News & General
Topic: "Are Index Funds Eating the World?"
Replies: 38
Views: 4036

Re: "Are Index Funds Eating the World?"

Never happen; people always think they are smarter, and this time is different, Illusory superiority.
by Ricola
Sat Aug 20, 2016 9:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

A Hologram for the King, with Tom Hanks starring. Had some funny parts and Tom Hanks is always good.
by Ricola
Sat Aug 20, 2016 9:16 pm
Forum: Personal Consumer Issues
Topic: New Cars and Safety upgrades
Replies: 31
Views: 1727

Re: New Cars and Safety upgrades

Generally yes, but we still have a 24 year old volvo that has air bag, ABS, side impact protection, rollgage, etc.,...safety wise ahead of its time. I still think it is safer than some of the newer cars.
by Ricola
Sun Aug 14, 2016 12:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Eddie the Eagle from Netflix DVDs. Based on the true story of Eddie Edwards, British Ski Jumper. With the Olympics on the movie is quite fitting. Great entertainment and motivational.
by Ricola
Fri Aug 12, 2016 7:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone else noticing the economy improving?
Replies: 78
Views: 4407

Re: Anyone else noticing the economy improving?

what happens when there are no more good wages and few jobs to continue to purchase the goods that these business produce. if robots are doing everything than maybe we won't have to work. Sure some people will have to fix the robots or maybe we could just get some other robots to do that for us. We...
by Ricola
Fri Aug 12, 2016 4:28 pm
Forum: Investing - Theory, News & General
Topic: Anyone else noticing the economy improving?
Replies: 78
Views: 4407

Re: Anyone else noticing the economy improving?

From what I am seeing; yes and no, but I think the macro long term trend is a bumpy ride down. With our current economic system, that is not concerned about improving the wages of the general population, the long term trend will inevitably be down. It is a race to the bottom, an evolutionary process...
by Ricola
Sat Jul 16, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 88
Views: 10531

Re: Got a Question for Jack Bogle? Post it Here.

What is Jack's opinion about the validity of the 4% SWR in today's low interest rate and post 2008 non recovery economic environment?
by Ricola
Sat Jul 09, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Costco Tires - Anyone ever frustrated?
Replies: 86
Views: 6055

Re: Costco Tires - Anyone ever frustrated?

I get all my tires at Costco. No frustration, just long wait times of usually 2 hours, but the hot dogs and pizza make up for it. :)
by Ricola
Sat Jul 09, 2016 2:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Embrace of the Serpent...in a way like Theeb, a memorizing and different type of movie.

https://en.wikipedia.org/wiki/Embrace_of_the_Serpent
by Ricola
Sat Jul 02, 2016 5:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

bertilak wrote:You know T.L.Jones stole the show when he's the one to get the sequel.


"What I want out of each and every one of you is a hard target search of every gas station, residence, warehouse, farmhouse, henhouse, outhouse and doghouse in that area." Never gets old. :)
by Ricola
Sat Jul 02, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Theeb...a mesmerizing experience. Also, The Fugitive, again for the upteenth time, great drama and actors, Harrison Ford and Tommy Lee Jones.
by Ricola
Fri Jun 24, 2016 4:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735236

Re: U.S. stocks in freefall

When DJ was down about 680 I took it as a bit of a buying opportunity. :D
by Ricola
Sat Jun 18, 2016 5:23 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Creed - Apollo's son, with Sylvester Stallone reprising the role of Rocky Balboa. Enjoyed the boxing and energy. Stallone as an old man was great. A Royal Night Out - Young Princess Elizabeth, who with Princess Margaret ventures out of Buckingham Palace to enjoy the VE Day celebrations. Enjoyable an...
by Ricola
Sat Jun 11, 2016 10:02 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

In the Heart of the Sea directed by Ron Howard. Enjoyable.
by Ricola
Sat Jun 11, 2016 9:51 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449827

Re: What Book Are You Currently Reading? Part VI

Currently reading; Treat Your Own Back by Robin McKenzie, The Mindbody Prescription by Dr John Sarno, and The Divided Mind, The Epidemic of Mindbody Disorders by Dr John Sarno. You can guess why I am ready these books, and if you don't know who Dr Sarno is see the link. http://www.tmswiki.org/ppd/Jo...
by Ricola
Sat Jun 11, 2016 8:28 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449827

Re: What Book Are You Currently Reading? Part VI

Re-reading Tinker, Tailor, Soldier, Spy by John le Carré. I don't remember the last time I read it and think it's possible I didn't even make it through. It takes some concentration to keep up with the different characters and their stories. Some characters have multiple names (fake spy identities)...
by Ricola
Sat May 28, 2016 9:47 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

The Revenant. We were totally engrossed in the movie, the photography was amazing.
by Ricola
Fri May 27, 2016 10:26 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449827

Re: What Book Are You Currently Reading? Part VI

Rogue Lawyer by John Grisham. Grisham for me has always an enjoyable read. Main character has similarities to John Connelly's Mickey Haller character.
by Ricola
Sun May 15, 2016 4:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Just watched Steve Jobs: The Man in the Machine. I really like this version of the Jobs Apple story. Real footage and interviews and telling it like it is.
by Ricola
Mon May 09, 2016 11:55 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Just watched Steve Jobs with Michael Fassbender as Steve Jobs. To me it was, different, more sophisticated movie watchers seem to like it a lot. I prefer some of the other movies that have been made about Jobs and Apple, even better I prefer the book Steve Jobs by Walter Isaacson.
by Ricola
Mon May 09, 2016 11:03 am
Forum: Personal Consumer Issues
Topic: I bought the wrong car - know it after 15 days
Replies: 156
Views: 23132

Re: I bought the wrong car - know it after 15 days

These work for me, huge difference on the back: Aerocore Seat Pad and Lumbar Support. Got mine at costco about $15
by Ricola
Sat Apr 30, 2016 11:44 am
Forum: Personal Finance (Not Investing)
Topic: Converting landline phone to Google Voice
Replies: 16
Views: 1730

Re: Converting landline phone to Google Voice

Been very happy with such a setup for ~5 years. When GV changed their protocol (Obi devices stopped working for a while), I went to PhonePower for a VOIP provider. Also fine. Nice that the Obi gives you options. Probably should go back and save ~$30 / year, but I like having E911 service on the lan...
by Ricola
Sun Apr 24, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: Do you think this is a bad time to enter the market? With the dow at 18,000
Replies: 89
Views: 8745

Re: Do you think this is a bad time to enter the market? With the dow at 18,000

To me it is a legitimate question. Anybody that bought a large position in 2007 would probably agree. Gut wrenching losses can be disastrous to your health and family. If investing a large portion of your portfolio, I would recommend buying incrementally at your personal comfort level. If a small am...
by Ricola
Sat Apr 02, 2016 12:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449827

Re: What Book Are You Currently Reading? Part VI

jdb wrote:Just finished A Splendid Savage by Steve Kemper


Thanks for the description, it's going on my to-read list.
by Ricola
Sun Mar 20, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Just watched The Big Short. I had already read the book and really enjoyed the movie.

Also, for any Harry Bosch fans, the second season of Bosch has been released on Amazon. Really terrific and hard to stop watching the entire season in one setting.
by Ricola
Sat Mar 12, 2016 10:04 pm
Forum: Personal Consumer Issues
Topic: Audiobooks performed by the author
Replies: 12
Views: 946

Re: Audiobooks performed by the author

Pentagons Brain and Operation Paperclip by Annie Jacobsen
by Ricola
Sat Mar 12, 2016 4:55 pm
Forum: Personal Consumer Issues
Topic: Concierge medicine Worth It????
Replies: 115
Views: 10289

Re: Concierge medicine Worth It????

My family doctor did the same thing, dumped everyone for MDVIP franchise. I did'nt bite. How can I justify paying $1800 a year for each family member, plus the $15k insurance company cost, without even getting any medical treatment. :oops: Then add on the actual expenses that would occur if we do ne...
by Ricola
Sat Mar 12, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Costco and AMEX
Replies: 69
Views: 18454

Re: Costco and AMEX

We just received a new Costco Amex Card in the mail, which we did not ask for. Current card has not expired. It is a Costco Platinum card, has a chip, and is not our usual True Earning card. No letter explaining what is going on, or if the intention is that it replace the old card. Card numbers are ...
by Ricola
Sat Mar 12, 2016 2:47 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 447526

Re: What Movie Have You Recently Watched?

Just watched Truth, a re-creation of news anchor Dan Rather's fall from grace. Very revealing about the events of that time.
by Ricola
Fri Mar 11, 2016 5:58 pm
Forum: Personal Consumer Issues
Topic: Upping my mileage/points game
Replies: 72
Views: 6981

Re: Upping my mileage/points game

Does anyone know of a list of point programs that retain your points forever? I have been burned too many times by having all of my points lost because I didn't do any business with them for awhile. Recently had Hilton Honors wipe out over 100k of points because I didn't stay within the last 12 mont...
by Ricola
Fri Mar 11, 2016 5:33 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 1857
Views: 449827

Re: What Book Are You Currently Reading? Part VI

Enemies: How America's Foes Steal Our Vital Secrets--and How We Let It Happen, by Bill Gertz
Can be upsetting to see how vulnerable we have been, and a good reminder of Jefferson quote "The price of liberty is eternal vigilance".
by Ricola
Sat Mar 05, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Pessimist trying to get into Stock Investing
Replies: 35
Views: 3164

Re: Pessimist trying to get into Stock Investing

-Paydown Mortgage Even Faster If you are not able at this point in time to invest in the stock market in low cost index funds,, fully realizing it is about company earnings and the economy, then,there are a lot worse things you could do with your money than pay down and pay off your mortgage. Food ...
by Ricola
Fri Feb 12, 2016 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3145
Views: 735236

Re: U.S. stocks in freefall

broadstone wrote:S&P on its way to 1600. I'm still 100% cash.


I'm %100 equities for NEW money. :D

"There are many roads to Dublin" - Taylor Larimore

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