Search found 1352 matches

by Nicolas
Fri Jun 07, 2019 4:19 pm
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3189

Re: Chewy IPO

Take this thing for instance. The cheapest equivalent on Amazon that I can find is about $20. https://www.chewy.com/tidy-cats-instant-action-immediate/dp/105875 What do you do with those big plastic pails? I buy the 10 lb Tidy Cat as it exactly fills one litter box and is easier to handle. It comes...
by Nicolas
Fri Jun 07, 2019 2:45 pm
Forum: Personal Investments
Topic: $10,200 Gross commission Check... What would you do with it?
Replies: 31
Views: 3210

Re: $10,200 Gross commission Check... What would you do with it?

Be careful with #1. If with the additional money you hit the max legally allowed annual contribution for 401Ks before the end of the year you’ll then forfeit your employer’s match afterward till 2020 and you will be out some money.
by Nicolas
Fri Jun 07, 2019 11:09 am
Forum: Personal Investments
Topic: Chewy IPO
Replies: 43
Views: 3189

Re: Chewy IPO

We love Chewy. Prices are lowest we’ve seen. Purchases over $50 ship free. Their shipping is very fast, like next day in some cases. We told them a brand of cat food we bought was not favored by our cats, cats are finicky so it can be expected. They refunded our money. We donated the ill-favored foo...
by Nicolas
Wed Jun 05, 2019 9:39 pm
Forum: Personal Investments
Topic: Thinking about moving away from a TD fund to pure stocks for now
Replies: 8
Views: 640

Re: Thinking about moving away from a TD fund to pure stocks for now

I've been investing for about five months now (at Vanguard) and I'm quite disappointed in my Target Date (TD) fund's performance, when comparing it to one of S&P 500. A quick comparison shows that a Vanguard S&P 500-based index fund typically generates 2-3x of my TD's returns (with approximately th...
by Nicolas
Mon Jun 03, 2019 10:34 pm
Forum: Personal Consumer Issues
Topic: Amazon free shipping, bait-and-switch?
Replies: 46
Views: 4264

Re: Amazon free shipping, bait-and-switch?

emoore wrote:
Mon Jun 03, 2019 10:28 pm
I thought Amazon raised the minimum to $35 dollars to get free shipping?
They did but they backed off and made it $25 again after Walmart made its minimum $25. That was a while ago. Nothing like competition in the marketplace.
by Nicolas
Tue May 28, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64055

Re: Name something you had to have and now you regret purchasing it?n.

Air compressor - Only being used as a tire inflator and takes up a lot more space than our other one which is the size of a toaster and fits nicely on a shelf. And we like the small one more because you can set the desired PSI and it stops running when it reaches that PSI. Actually, I found an air ...
by Nicolas
Tue May 28, 2019 6:40 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64055

Re: Name something you had to have and now you regret purchasing it?

Firsthand Funds and afterward, Fairholme Fund. I got caught up in the mania and lost a bundle.
by Nicolas
Tue May 28, 2019 5:49 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 505
Views: 64055

Re: Name something you had to have and now you regret purchasing it?n.

Air compressor - Only being used as a tire inflator and takes up a lot more space than our other one which is the size of a toaster and fits nicely on a shelf. And we like the small one more because you can set the desired PSI and it stops running when it reaches that PSI. Actually, I found an air ...
by Nicolas
Sun May 26, 2019 5:30 pm
Forum: Personal Consumer Issues
Topic: Finally broke down and bought a new ipad....
Replies: 20
Views: 2872

Re: Finally broke down and bought a new ipad....

I convinced my wife to upgrade her tablet from an Amazon Kindle Fire to the latest iPad Mini that just came out and she loves it. She had two Fires during the time that I had one iPad3 and she had problems with both of them.
by Nicolas
Sun May 26, 2019 5:17 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 179
Views: 16593

Re: Are you on Facebook?

No, I'm not on Facebook 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 just want to be left alone.
by Nicolas
Sat May 25, 2019 6:04 pm
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7134

Re: Rethinking Individual Stocks

At the present time,if you buy mutual fund shares from such as Vanguard or T. Rowe Price,does the fund company make it easier for you to keep track of the "basis" (as defined by IRS) than if you buy individual stock shares? That is more the company and their Web site, not funds vs stocks. Vanguard ...
by Nicolas
Sat May 25, 2019 1:12 pm
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 7134

Re: Rethinking Individual Stocks

Before I became an Index Investor, I mainly invested in dividend champions. Now that I have been retired a couple of years, I really appreciate my remaining individual stocks. I preferred to invest in publicly visible stocks, so that I could see a CSX train or a Waste Management or Sysco truck on t...
by Nicolas
Fri May 24, 2019 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Are there unique benefits to Amex or Discover cards?
Replies: 21
Views: 1950

Re: Are there unique benefits to Amex or Discover cards?

Agreed. I funded an indiegogo project that went south, seemingly everyone lost their money, not me. I paid with AmEx and filed a dispute about seven months after the fact. I didn’t think I would get anything by that late date but I got back every penny. I don’t know how they did it. I assume that A...
by Nicolas
Fri May 24, 2019 2:38 pm
Forum: Personal Finance (Not Investing)
Topic: Are there unique benefits to Amex or Discover cards?
Replies: 21
Views: 1950

Re: Are there unique benefits to Amex or Discover cards?

American Express has the best customer service of any credit card I have ever had. Agreed. I funded an indiegogo project that went south, seemingly everyone lost their money, not me. I paid with AmEx and filed a dispute about seven months after the fact. I didn’t think I would get anything by that ...
by Nicolas
Thu May 23, 2019 8:57 am
Forum: Investing - Theory, News & General
Topic: How to "lie" with Personal Finance
Replies: 28
Views: 5159

Re: How to "lie" with Personal Finance

Good post, interesting article, thanks.
by Nicolas
Thu May 23, 2019 8:10 am
Forum: Personal Consumer Issues
Topic: Rolex
Replies: 75
Views: 10539

Re: Rolex

BanquetBeer wrote:
Mon May 06, 2019 10:25 pm
I don’t plan on using it for the next 15 years or so - just don’t want to damage it by doing nothing.

I believe a relative just bought a (new) steel Rolex in Europe for significantly cheaper than can here. Also tax free.
Wouldn’t your relative need to declare and pay a duty upon reentry into USA?
by Nicolas
Tue May 21, 2019 9:09 am
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 56
Views: 9302

Re: Signed up for American Express - "Premium" car rental insurance

In case anyone was wondering like I was if it is good out of the country: "Coverage is worldwide, except for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand." Their website also says "A rate of $12.25 - $24.95 per rental covers up to 42 consecutive days" and not a fla...
by Nicolas
Sun May 19, 2019 10:27 pm
Forum: Personal Consumer Issues
Topic: Signed up for American Express - "Premium" car rental insurance
Replies: 56
Views: 9302

Re: Signed up for American Express - "Premium" car rental insurance

I’ve been using this (primary) insurance for several years now and so far haven’t needed to file a claim. No, in the event of an accident you pay nothing. Just contact AE and they take it from there, they handle everything with the rental company, no further involvement on your part.
by Nicolas
Wed May 15, 2019 6:07 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

I don't answer calls from people that aren't in my contact list. In fact, my phone sends them right to voicemail. If it is something "important", they can leave a message. I'm also tired of being asked as a customer if I want to make a donation in the checkout line at retail stores and restaurants....
by Nicolas
Wed May 15, 2019 4:37 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84900

Re: What frugal thing did you do today?

Bought a $100 gift card from my barber which comes with a $25 bonus gift card, so my haircuts will now be effectively 25% off for awhile. Also clipped a $2 coupon from the same place. And I only get my hair cut on Tuesdays when the price is always $2 off. And no, I won’t consider cutting my own hai...
by Nicolas
Wed May 15, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: mechanics of paying taxes on a Roth Conversion
Replies: 26
Views: 1878

Re: mechanics of paying taxes on a Roth Conversion

I just do a “what if” calculation in Turbotax and pay the full amount due for that conversion versus what I would’ve owed without the conversion in one estimated tax payment to both federal & state for the quarter that I did the conversion in. If you pay in a later quarter or at the time of tax fili...
by Nicolas
Wed May 15, 2019 12:44 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84900

Re: What frugal thing did you do today?

Bought a $100 gift card from my barber which comes with a $25 bonus gift card, so my haircuts will now be effectively 25% off for awhile. Also clipped a $2 coupon from the same place. And I only get my hair cut on Tuesdays when the price is always $2 off. And no, I won’t consider cutting my own hair!
by Nicolas
Wed May 15, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: PSA: Do you have working carbon monoxide detectors?
Replies: 44
Views: 2352

Re: PSA: Do you have working carbon monoxide detectors?

Yes, three. One for each floor.
by Nicolas
Wed May 15, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

I answer the calls to my cell phone. It really does not take much time and effort for me to say, "NO" and "Goodbye". Several times - the call was actually from someone I know or otherwise valid. Lots of calls for health insurance, medicare alternatives, fix my roof, extend my car warranty, etc. The...
by Nicolas
Tue May 14, 2019 12:49 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3158

Re: Police and Troopers fund.

Anything to do with veterans is a big moneymaker. After all, who can refuse them? We were getting pitches for paralyzed veterans, blind veterans, PTSD veterans, wounded veterans, lonely veterans, anything veterans!
by Nicolas
Sat May 11, 2019 7:37 am
Forum: Personal Consumer Issues
Topic: Computer issues, fix vs replace
Replies: 33
Views: 1972

Re: Computer issues, fix vs replace

Sounds like an iMac would be perfect for you, if you ultimately replace. You can get a 27” monitor, excellent keyboard, no tower (CPU is built into the monitor), and Apple reliability. That’s what we did. We bought refurbished from the Apple Store to save some :moneybag
by Nicolas
Fri May 10, 2019 9:40 am
Forum: Personal Consumer Issues
Topic: Prepaid iPhone for Light User
Replies: 12
Views: 1187

Re: Prepaid iPhone for Light User

What is using an iPhone SE or 6S like compared to this Samsung? Are there under $100 a year phone/text/data plans available with an iPhone similar to the HSN Tracfone deals? The service on my Tracfone ends soon and I don't know whether to renew it or switch to an iPhone with a inexpensive light dut...
by Nicolas
Thu May 09, 2019 11:17 pm
Forum: Personal Consumer Issues
Topic: Prepaid iPhone for Light User
Replies: 12
Views: 1187

Re: Prepaid iPhone for Light User

What is using an iPhone SE or 6S like compared to this Samsung? Are there under $100 a year phone/text/data plans available with an iPhone similar to the HSN Tracfone deals? The service on my Tracfone ends soon and I don't know whether to renew it or switch to an iPhone with a inexpensive light dut...
by Nicolas
Wed May 08, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: Island life?
Replies: 54
Views: 6916

Re: Island life?

The last time we visited Hawaii I thought it was comical when I saw a contest being advertised where the prize was a trip to Las Vegas. Why would anyone want to win that when they’re already in paradise?
by Nicolas
Tue May 07, 2019 10:56 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 1912

Re: TD Ameritrade Commission free ETF list expanding June 3rd, 2019

bargainhuntingking wrote:
Tue May 07, 2019 9:22 pm
More than 550+ ETFs will be available.

https://www.tdameritrade.com/retail-en_ ... 000835.pdf
I was hoping IJR & IJS would be on the list but they’re not.
IJR: iShares Core S&P 600 Small-Cap ETF
IJS: iShares S&P 600 Small-Cap Value ETF
by Nicolas
Tue May 07, 2019 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Business shows up at my residence address online
Replies: 2
Views: 396

Re: Business shows up at my residence address online

I would freeze my credit at all credit bureaus. It’s free to do this now.
by Nicolas
Mon May 06, 2019 3:34 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 1912

Re: TD Ameritrade Expanding List of Commission-Free ETFs

gilgamesh wrote:
Mon May 06, 2019 3:32 pm
Looks like they are not bringing back the vanguard options?
No it appears they are not. :annoyed
by Nicolas
Mon May 06, 2019 2:27 pm
Forum: Investing - Theory, News & General
Topic: TD Ameritrade Expanding List of Commission-Free ETFs
Replies: 17
Views: 1912

TD Ameritrade Expanding List of Commission-Free ETFs

TD Ameritrade Goes Commission-Free on Nearly 570 ETFs from 21 Providers Covering 90 Morningstar Categories. Only the ETF providers are listed, not the individual ETFs. I’ll be most interested in the iShares and possibly Wisdom Tree ETFs. https://finance.yahoo.com/news/td-ameritrade-goes-commission-f...
by Nicolas
Sat May 04, 2019 10:39 am
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84900

Re: What frugal thing did you do today?

Today I cleaned my refrigerator coils. I pulled the fridge away from the wall and cleaned off the thick layer of lint over the back grill, then I removed that grill and using a brush attachment I vacuumed off the coils behind the grill after removing the screws to gain access. Then I reassembled the...
by Nicolas
Wed May 01, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: [How to evaluate getting rid of items?]
Replies: 9
Views: 781

Re: [How to evaluate getting rid of items?]

Read this book, you can get it from your public library. It talks about how to deal with sentimentality.
Goodbye, Things: The New Japanese Minimalism – April 11, 2017
by Fumio Sasaki
by Nicolas
Mon Apr 29, 2019 8:57 am
Forum: Personal Consumer Issues
Topic: EXTREMELY frugal things from our parents and grandparents
Replies: 110
Views: 9464

Re: EXTREMELY frugal things from our parents and grandparents

- Keep soap remnants, all held together with elastic bands. Don't know how he combined them later. If you take the old small piece of soap, you can attach it to the new bar when they're both wet, and it will stay attached. That's what we do. I never did figure out what he did with the stack of tiny...
by Nicolas
Thu Apr 18, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6673

Re: What is your hobby and how did it come to be your hobby?

They vary over the years, but canoeing (less whitewater these days), tennis, now learning pickleball, electronics and programming, and lockpicking. Got into canoeing way back through boy scouts. Tennis off and on since high school (not very good), electronics and programming since an early age. I s...
by Nicolas
Thu Apr 18, 2019 7:58 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 843
Views: 84900

Re: What frugal thing did you do today?

I like the samples as well. One reason to go to Costco more often. I suppose the free samples must increase business - or they would not do it. However, I cannot recall that I ever actually purchased something because of the free samples. We’ve purchased items at Costco several times because of how...
by Nicolas
Wed Apr 17, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12183

Re: What Are Your Simple Pleasures?

Listening to Apple Music on my new iPad beamed to my Mass Fidelity Core Bluetooth speaker and subwoofer... and coffee.
by Nicolas
Fri Apr 12, 2019 5:31 pm
Forum: Forum Issues and Administration
Topic: Uploading an image
Replies: 8
Views: 531

Re: Uploading an image

arcticpineapplecorp. wrote:
Fri Apr 12, 2019 4:59 pm
I used to use tinypic, now I use www.postimages.org. It's easier, quicker.
Thanks, it was quicker, I bookmarked it. But my link came with a spam link attached to the end which I had to remove, “find gas stations near me”, maybe that’s how they pay for it.
by Nicolas
Fri Apr 12, 2019 5:26 pm
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 257
Views: 222696

Re: Please Try Out Test Posts Here

[ Embedded distracting animated GIF removed by admin LadyGeek. Here's the link: https://i.postimg.cc/Gm37gBCT/DE778797- ... 989-D9.gif
by Nicolas
Fri Apr 12, 2019 2:12 pm
Forum: Forum Issues and Administration
Topic: Uploading an image
Replies: 8
Views: 531

Re: Uploading an image

I think the image is just too big for this forum. Try cropping it or try a different smaller image. You could also try using TinyPic to create a postable image. http://tinypic.com/?t=postupload Select your image, upload it, then copy and paste the URL found under IMG Code for Forums & Message Boards...
by Nicolas
Fri Apr 12, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Tax help! How do I tax foreign tax credit using Turbo Tax?
Replies: 4
Views: 182

Re: Tax help! How do I tax foreign tax credit using Turbo Tax?

Isn’t there a checkbox when you’re entering your 1099-DIV “My form has info in more than just these boxes”? Check that box!
This will make Box 7 appear “ Foreign Tax Paid”
by Nicolas
Wed Apr 10, 2019 11:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4513
Views: 1163670

Re: What Movie Have You Recently Watched?

Saw Shoplifters recently. Excellent movie about an unconventional family living in near poverty in Japan. Maintains sympathy for the subjects even while peeling back layers that reveal circumstances that wouldn't ordinarily evoke it. It shares some thematic elements with Leave No Trace from last ye...
by Nicolas
Wed Apr 10, 2019 11:06 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4513
Views: 1163670

Re: What Movie Have You Recently Watched?

Free Solo (2018) Oscar-winning documentary of Alex Honnold’s insane free-climb of El Capitan, pretty scary stuff. More than half the film is about Alex’s psychology and preparation. Recommended. I saw it in a free showing in our public library.
by Nicolas
Wed Apr 10, 2019 11:00 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4513
Views: 1163670

Re: What Movie Have You Recently Watched?

DrGoogle2017 wrote:
Wed Apr 10, 2019 12:17 am
The Outlaw of Josef Wales, another Clint Eastwood movie.
Is Josef any relation to Josey? His brother perhaps? :mrgreen:
Wondering if you’ve seen The Mule, Clint’s latest? I have not as yet. He’ll be 89 on May 31st.
by Nicolas
Wed Apr 10, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Remote control solution for my parents.
Replies: 38
Views: 2355

Re: Remote control solution for my parents.

I took photos of their remotes so I could refer to them while talking them through a phone fix.
by Nicolas
Thu Apr 04, 2019 8:42 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2125

Re: French movies on Netflix

The 400 Blows originally Les quatre cents coups (1959) Debut by director François Truffaut. From Wikipedia: “It is widely considered one of the best French films in the history of cinema.” Not rated, but I would guess G or at most, PG-13. A young boy, left without attention, delves into a life of p...
by Nicolas
Fri Mar 29, 2019 10:56 am
Forum: Personal Finance (Not Investing)
Topic: How often do you check your net worth?
Replies: 257
Views: 14670

Re: How often do you check your net worth?

Quarterly. I’ll be tabulating it this weekend.