Search found 972 matches

by Nicolas
Mon Jul 16, 2018 7:49 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 33
Views: 3395

Re: Is Tax-Managed Small Cap (VTMSX) an underrated fund?

Before the development of ETFs, it was hard to have tax-efficient small-cap investment. Now, the fund isn't necessary, but if you want to invest in the S&P 600, it is still less expensive than any ETF tracking that index. And given its 100% qualified dividends, it is more tax-efficient than Vanguar...
by Nicolas
Sun Jul 15, 2018 10:54 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 955902

Re: What Book Are You Currently Reading? Part VI

Year of Decision, 1846 , by Bernard DeVoto. This is a very good narrative history of the expansion of the United States into the West. A lot occurred in 1846: Have you read A Country of Vast Designs? It's a biography on Polk that also addresses some of the same events of the time period. I found it...
by Nicolas
Fri Jul 13, 2018 11:27 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027521

Re: What Movie Have You Recently Watched?

Phantom Thread (2017) Daniel Day-Lewis, Vicky Krieps. (DDL announced his retirement after this film was made.) Set in the 1950s, a famous dressmaker woos a waitress much younger than himself. Long and drawn out and mildly interesting with an unbelievable ending. You may wish you'd spent your time d...
by Nicolas
Wed Jul 11, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Suggestions for the Minneapolis Area
Replies: 9
Views: 819

Re: Suggestions for the Minneapolis Area

The Twin City Model Railroad Museum is always fun. http://www.tcmrm.org/
by Nicolas
Wed Jul 11, 2018 3:31 pm
Forum: Personal Consumer Issues
Topic: Suggestions for the Minneapolis Area
Replies: 9
Views: 819

Re: Suggestions for the Minneapolis Area

The American Swedish Institute in Mpls is a nice place to visit for an afternoon. https://www.asimn.org
by Nicolas
Wed Jul 11, 2018 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: free dinner investing seminar
Replies: 318
Views: 26130

Re: free dinner investing seminar

I got a free dinner offer last week where they will show me how to get rid of my timeshare. I don't have a timeshare. I debated going anyway to lick the plate but thought better of it and put it into the recycling bin.
by Nicolas
Wed Jul 11, 2018 12:42 pm
Forum: Personal Consumer Issues
Topic: Anyone take naps at work?
Replies: 93
Views: 5348

Re: Anyone take naps at work?

One of my colleagues did, he kept a dog bed under his desk for this purpose. Also he worked the graveyard shift on weekends, nobody else around.

I did too, once in a while, when I was still in the workforce, out in my car during lunchtime.
by Nicolas
Tue Jul 10, 2018 9:55 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your Emergency Fund?
Replies: 46
Views: 4348

Re: Where do you keep your Emergency Fund?

I keep mine in a high-yield online savings account at Synchrony Bank which is FDIC-insured and pays a higher interest rate than Ally Bank.
by Nicolas
Tue Jul 10, 2018 9:15 pm
Forum: Personal Consumer Issues
Topic: Walking Coast-to-Coast
Replies: 86
Views: 6550

Re: Walking Coast-to-Coast

Here's yesterday's Washington Post article about a guy who just completed a walk from Patagonia to Alaska, almost the entire length of the western hemisphere, 14,481 miles along the Pan-American highway. He slept in drainage pipes and fought a grizzly bear. https://www.washingtonpost.com/amphtml/new...
by Nicolas
Tue Jul 10, 2018 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: looking for a new (online) savings account home
Replies: 23
Views: 1932

Re: looking for a new (online) savings account home

I’m with Synchrony Bank. Their rates are higher than Ally’s. Also FDIC-insured. No problems in the last two and a half years I’ve held the accounts.
by Nicolas
Mon Jul 09, 2018 10:04 pm
Forum: Investing - Help with Personal Investments
Topic: Big expense in 3 mo. Money now. Where to hide money?
Replies: 13
Views: 1524

Re: Big expense in 3 mo. Money now. Where to hide money?

Put it into a high-yield online savings account. Some are yielding 1.8% and are FDIC-insured, Prime MM is not. I’m using Synchrony Bank.

You’ll make roughly a hundred bucks above what you would earn in your checking account, pre-tax. Not a lot of money, I suppose, but every little bit helps.
by Nicolas
Mon Jul 09, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8312

Re: Amazon won't sell this book to me.

We saw Coco (Pixar animated movie) in Bluray format for sale at Amazon, but only for Prime members. My wife wanted it. No problem, I picked it up at my local Target instead, I was going that way anyway! It may have been cheaper at Target anyway, but for future reference if there's one near you: Bes...
by Nicolas
Mon Jul 09, 2018 5:21 pm
Forum: Personal Consumer Issues
Topic: Amazon won't sell this book to me.
Replies: 68
Views: 8312

Re: Amazon won't sell this book to me.

We saw Coco (Pixar animated movie) in Bluray format for sale at Amazon, but only for Prime members. My wife wanted it. No problem, I picked it up at my local Target instead, I was going that way anyway!
by Nicolas
Sat Jul 07, 2018 10:26 pm
Forum: Personal Consumer Issues
Topic: Tipping in a hotel room/cruise ship room
Replies: 57
Views: 3981

Re: Tipping in a hotel room/cruise ship room

I don't tip hotel rooms. I've only been on one cruise and at the end I tipped the waitstaff $80 cash and this was because we felt a lot of pressure to tip, but it made me feel bad. It wasn't mandated but we received psychological pressure to tip. I don't want to do that again. It's probably just me ...
by Nicolas
Sat Jul 07, 2018 4:03 pm
Forum: Investing - Help with Personal Investments
Topic: Question on best discount brokage firm
Replies: 7
Views: 623

Re: Question on best discount brokage firm

Yes I didn’t like that they removed Vanguard. I was absorbed into TDA with their purchase of Scottrade. But I recently moved in additional funds to get a $650 bonus and free trades for two years! And thereafter trades will be $4.45 forever. After the two years is up I’ll see what I can get elsewher...
by Nicolas
Sat Jul 07, 2018 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to hit grand slam with small % portfolio?
Replies: 49
Views: 3225

Re: Trying to hit grand slam with small % portfolio?

I have about a hundred thousand dollars in Apple and Google stock that that I bought several years ago that did very well and turned out to be the best part of my portfolio, but it was just a lucky guess that made me buy them. I still have it and plan on using Mr. Bogle's advice on these that the c...
by Nicolas
Sat Jul 07, 2018 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Question on best discount brokage firm
Replies: 7
Views: 623

Re: Question on best discount brokage firm

TDA has a good bonus offer currently. For some us, they took a step down with the revision to the commission-free ETF list, removing Vanguard products. Yes I didn’t like that they removed Vanguard. I was absorbed into TDA with their purchase of Scottrade. But I recently moved in additional funds to...
by Nicolas
Sat Jul 07, 2018 1:49 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49189

Re: The Spend More Thread

You should travel internationally, perhaps take in a cruise if so inclined. My interests in material things lie in the area of watches and fountain pens, so I would buy more of those.
by Nicolas
Fri Jul 06, 2018 3:39 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5301

Re: How to tip

I also think tipping culture is out of control in the USA. I agree, and I love traveling abroad where I don't have to worry about it. I'd have to disagree - I've traveled abroad quite a bit, and one thing that bugs me is that service at restaurants is generally very slow compared to the US. It's no...
by Nicolas
Thu Jul 05, 2018 7:29 pm
Forum: Personal Consumer Issues
Topic: Coffee Grinder recommendations
Replies: 56
Views: 2902

Re: Coffee Grinder recommendations

We've been using a Baratza for more than ten years. I refurbished it once with a kit of parts that I bought from the manufacturer. I did the work while watching one of their guys show me what to do on YouTube. Great company.
by Nicolas
Wed Jul 04, 2018 11:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: favorite bogleheads posts?
Replies: 110
Views: 22489

Re: favorite bogleheads posts?

Anything by The Munchkin Man.
by Nicolas
Wed Jul 04, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Where do I hold $250K?
Replies: 11
Views: 1823

Re: Where do I hold $250K?

You could open a high yield account at an online bank FDIC-insured currently paying around 1.8% interest, which is close to inflation. It would be rock-solid safe, well, as safe as the FDIC anyway. I'm using Synchrony myself.
by Nicolas
Wed Jul 04, 2018 5:52 pm
Forum: Personal Consumer Issues
Topic: Rodents ate my car!
Replies: 61
Views: 5380

Re: Rodents ate my car!

A family of mice moved into the trunk of my old Ford Probe once, after I hadn't driven it in a couple of months, but they didn't do any damage that I know of.
by Nicolas
Wed Jul 04, 2018 5:37 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 955902

Re: What Book Are You Currently Reading? Part VI

Samuel Pepys - The Unequalled Self by Claire Tomalin (2002). A biography of the famous English diarist.
by Nicolas
Wed Jul 04, 2018 5:33 pm
Forum: Personal Consumer Issues
Topic: Tipping at non sit down places
Replies: 94
Views: 7776

Re: Tipping at non sit down places

I don't tip at such places.
by Nicolas
Wed Jul 04, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: How to tip
Replies: 87
Views: 5301

Re: How to tip

15% pretax. But if terrible service -- nothing.
If the waitress is pretty and smiles at me, a little bit more.
by Nicolas
Wed Jul 04, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?
Replies: 62
Views: 4871

Re: Thinking about moving to Madison, WI or Minneapolis, MN..Any advice?

Edward Joseph wrote:
Wed Jul 04, 2018 10:19 am
...
As a side note, if you're single and like tall blondes, the heavy Nordic ancestry in Mpls certainly seemed to provide alot of that. ;)
There are many beautiful Somali women there too.
by Nicolas
Mon Jul 02, 2018 7:18 am
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 49
Views: 5735

Re: Roadside assistance Programs

If you live out west, a five mile tow is nothing. Might not even get you to an exit on the interstate. Does anyone here know the actual cost for a 100 mile tow? That would put an annual cost in perspective. According to costaide.com, "For a 100 mile tow, the cost is higher which may range from $250...
by Nicolas
Sat Jun 30, 2018 11:01 pm
Forum: Personal Consumer Issues
Topic: Roadside assistance Programs
Replies: 49
Views: 5735

Re: Roadside assistance Programs

AAA Premier level will tow you up to 200 miles and any trailer you may be towing at the time. Since we pull a popup in the summertime I upgraded to Premier. They will haul me down from Pike's Peak if necessary.
by Nicolas
Sat Jun 30, 2018 5:02 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1934
Views: 349673

Re: What are you up YTD? [Year To Date]

TravelforFun wrote:
Wed Jun 27, 2018 10:15 pm
Up 7.9% to date. At one point this year, I was up near 13%. Portfolio includes a mixture of individual stocks, stock and nob mutual funds, and money market.

TravelforFun
Nob mutual funds :confused
by Nicolas
Sat Jun 30, 2018 3:18 pm
Forum: Investing - Help with Personal Investments
Topic: Private Label Blackrock Index Funds?
Replies: 28
Views: 1849

Re: Private Label Blackrock Index Funds?

My 401k also offers Blackrock index funds with no ticker, this is because they are actually CITs (Collective Investment Trust) which aren't traded on the exchanges. The ERs are rock-bottom, currently 0.01% for their S&P500, S&P400, Russell 2000, and AGG bond index funds. And only 0.04% for the inter...
by Nicolas
Fri Jun 29, 2018 6:12 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027521

Re: What Movie Have You Recently Watched?

Into The Wild (2007) Emile Hirsch, Vince Vaughn, Hal Holbrook. Directed by Sean Penn. Mostly true story of Christopher McCandless (AKA Alexander Supertramp) who drops out, abandons his family, gives away and burns all of his money, and hitchhikes to Alaska where he takes up residence in an abandone...
by Nicolas
Wed Jun 27, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: Vintage brands
Replies: 15
Views: 1446

Re: Vintage brands

Here are some vintage brands that I use, some daily. Stella Artois (beer) - Leuven, Belgium, 1366 Twinings of London (tea) - London, England, 1706 Levi Strauss & Co. (jeans) - San Francisco, California, 1853 Waterman S.A. (fountain pens) - New York, NY, 1884 (my pen was made in the 1930s) Hamilton W...
by Nicolas
Wed Jun 13, 2018 11:04 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17436

Re: Life in retirement - what did you do today?

Woke up, fell out of bed
Dragged a comb across my head
Found my way downstairs and drank a cup
And looking up I noticed I was late
Found my coat and grabbed my hat
Made the bus in seconds flat
Found my way upstairs and had a smoke
And somebody spoke and I went into a dream
by Nicolas
Wed Jun 13, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17436

Re: Life in retirement - what did you do today?

Very interesting to hear what folks are doing. Wonder what age most of you are. I have the the feeling that the 60s are pretty good with activities and maybe early 70s. How many are still on the move older than that? Seems like the mid-70s are the watershed and things slow down a lot then. sheepdog...
by Nicolas
Tue Jun 12, 2018 5:46 pm
Forum: Personal Consumer Issues
Topic: Anyone with a paid off house drop homeowners insurance
Replies: 79
Views: 5926

Re: Anyone with a paid off house drop homeowners insurance

We paid off our mortgage 15 years ago. Rebuilding would cost perhaps 7% of net worth. Dropping homeowners never occurred to me. (Also it's lose, not loose).
by Nicolas
Fri Jun 08, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 25014

Re: Anyone Deleting Facebook?

Never had it, never will.
by Nicolas
Fri Jun 08, 2018 6:37 pm
Forum: Personal Consumer Issues
Topic: Tipping HVAC installers?
Replies: 22
Views: 1984

Re: Tipping HVAC installers?

No way would I tip them. I don't even like to tip waiters. Tipping culture is out of control.
by Nicolas
Thu Jun 07, 2018 10:53 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3128
Views: 955902

Re: What Book Are You Currently Reading? Part VI

Rebuilding Russia by Aleksandr Solzhenitsyn, famous Soviet dissident and winner of the Nobel Prize in Literature in 1970, maybe you’ve heard of him. :) Written and published in Pravda in 1990 as “How to Revitalize Russia”, it was translated by Alexis Klimoff. In this volume Solzhenitsyn gives advic...
by Nicolas
Tue Jun 05, 2018 3:51 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2148

Re: Water Heaters

livesoft wrote:
Tue Jun 05, 2018 3:50 pm
Nicolas wrote:
Tue Jun 05, 2018 3:48 pm
I had the bottom drop out of one of my heaters unexpectedly, I wouldn't want to repeat that experience.
Maybe it was leaking for a week or month before that and you didn't notice?
Could be, I suppose. I don't remember anymore, it was 35 years ago.
by Nicolas
Tue Jun 05, 2018 3:48 pm
Forum: Personal Consumer Issues
Topic: Water Heaters
Replies: 27
Views: 2148

Re: Water Heaters

I would do nothing. We've replaced both of our heaters over the years when they stopped working without issues. Our home is 24 years old so that's an average of 12 years per heater. I think they can go many years more. Replacing a heater is generally a bread-and-butter job for any plumber or HomeDe...
by Nicolas
Tue Jun 05, 2018 3:45 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027521

Re: What Movie Have You Recently Watched?

Shoplifters (万引き家族, Manbiki Kazoku). Watched because it won the Palme d’Or at Cannes for its director, Kore-eda, this year. And it was, indeed, very good. I’ve never seen any Kore-eda films before, but he brought out remarkably realistic performances from all the actors and actresses, including the...
by Nicolas
Tue Jun 05, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Tool board for basement - plywood or pegboard?
Replies: 30
Views: 1911

Re: Tool board for basement - plywood or pegboard?

I would use pegboard, in fact that is what I’ve been using the last 15+ years.
by Nicolas
Tue Jun 05, 2018 2:21 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3069

Re: Should I replace my water heater?

wilked wrote:
Tue Jun 05, 2018 2:15 pm
replace

and for everyone reading this - don't forget to replace your anodes every 5-10 years. Just replaced mine on my gas water heater, anode had only 20% left. Cost me $20 and supposedly doubles life of unit
Also a drain a bucket of water out of the bottom about once a month.
by Nicolas
Tue Jun 05, 2018 2:18 pm
Forum: Personal Consumer Issues
Topic: New Medicare card
Replies: 28
Views: 1794

Re: New Medicare card

I wouldn’t worry about concealing the new number, I don’t think you’re running any risks with it. I don’t black out any numbers on any of my cards. However I do put a small strip of black electrical tape over all forward-facing camera lenses on my devices 😀
by Nicolas
Tue Jun 05, 2018 2:13 pm
Forum: Personal Consumer Issues
Topic: Should I replace my water heater?
Replies: 50
Views: 3069

Re: Should I replace my water heater?

15 years? I think you should replace it. I had the bottom drop out of a water heater once, water everywhere.
by Nicolas
Tue Jun 05, 2018 2:10 pm
Forum: Personal Consumer Issues
Topic: Don't make the mistake I made (Telemarketing hell)
Replies: 67
Views: 8770

Re: Don't make the mistake I made (Telemarketing hell)

piperkub wrote:
Tue Jun 05, 2018 12:34 pm
Caution...NOMOROBO is not the panacea you might think. It brings its own set of additional issues.
I’ve been using Nomorobo for quite some time and am having no “issues”.
by Nicolas
Mon Jun 04, 2018 10:42 pm
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 191
Views: 16792

Re: Top Shelf Liquor Overrated?

I bought a bottle and discovered that it was a typical wholesale bourbon sold by many distilleries to commercial bottlers. There are many more labels for booze than there are distilleries. DMW Yes, this is a huge trap to watch out for. Always read the label of a new bottle you are buying, especiall...