Search found 1081 matches

by Nicolas
Tue Oct 23, 2018 12:17 pm
Forum: Personal Consumer Issues
Topic: PSA: Don't buy a big house
Replies: 136
Views: 10061

Re: PSA: Don't buy a big house

Might this prompt a username change? Such as from sunny_socal to something like sunny_sotx? I'm joking of course.
by Nicolas
Tue Oct 23, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: 'Smart money' bailing on the market, time to get out?
Replies: 32
Views: 2951

Re: Smart money bailing on the market, time to get out?

Or you could just channel Osho for advice. :wink: I already did. His advice: invest in Rolls-Royce :wink: Actually it's probably not bad advice - I saw in the Credit Suisse yearbook by Dimson and colleagues that automobiles have been the best investment, historically, after stocks. :wink: historica...
by Nicolas
Tue Oct 23, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX ->VFWAX->80%VTMGX +20%VEMAX. Now what?
Replies: 5
Views: 234

Re: TLH VTIAX ->VFWAX->80%VTMGX +20%VEMAX. Now what?

livesoft wrote:
Tue Oct 23, 2018 11:22 am
Wait 2.5 weeks?
Yes, in order to go back to his original holding without triggering a wash sale. He's already partway through his 31 days.
by Nicolas
Tue Oct 23, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: TLH VTIAX ->VFWAX->80%VTMGX +20%VEMAX. Now what?
Replies: 5
Views: 234

Re: TLH VTIAX ->VFWAX->80%VTMGX +20%VEMAX. Now what?

How about Vanguard International Value Fund (VTRIX)? That would be different enough to not be "substantially identical". You only need to hold it for 2 1/2 weeks.
by Nicolas
Mon Oct 22, 2018 5:59 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 52
Views: 5017

Re: Too Much Apple [AAPL] Stock

20% of my portfolio is in AAPL, most of it is in taxable so I have something of a problem too. It's the only unbogleheadish part of me left. I bought my first chunk in early January 2010 at a split-adjusted price of $28.40/share and've only added to my pile since then, never selling a single share. ...
by Nicolas
Sun Oct 21, 2018 11:20 pm
Forum: Personal Consumer Issues
Topic: Privacy Protections for a Patient Death Preceding Passage of HIPAA
Replies: 7
Views: 708

Re: Privacy Protections for a Patient Death Preceding Passage of HIPPA

The acronym is actually HIPAA.
Health Insurance Portability and Accountability Act.

However I don't know the answer to your question.
by Nicolas
Sun Oct 21, 2018 11:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 880
Views: 95684

Re: [What TV Show Have You Recently Watched?]

My local PBS station started showing the old Doctor Who series beginning with Tom Baker's incarnation. He played the role from 1974-1981. It's very funny and we've been enjoying it. We saw it back in the mid-80s originally.
by Nicolas
Sun Oct 21, 2018 10:50 pm
Forum: Investing - Theory, News & General
Topic: Too Much Apple [AAPL] Stock
Replies: 52
Views: 5017

Re: Too Much APPL Stock

The death knell for Sears was at least a couple of decades ago. Apple is a long way from any death knell at the moment. I agree, but would people who owned a bucket full of Sears have known when to sell? I suspect not. People who sold probably sold at a loss and people who held on now have penny st...
by Nicolas
Sun Oct 21, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Car servicing
Replies: 48
Views: 3311

Re: Car servicing

8foot7 wrote:
Wed Oct 17, 2018 11:29 am
Stop taking the car to the dealer after the warranty is up. Find a local mechanic.
+1, never go to a dealer especially for so simple a car. I found an honest local mechanic 20 or so years ago and I've saved thousands.
by Nicolas
Sun Oct 21, 2018 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 723

Re: American Century Small Cap ASVIX

I don't recommend ASVIX. I owned it for ten years from 2002-2012 and was unhappy with its performance. I sold it in August 2012 and initially bought VIOO (Vanguard S&P Small-Cap 600 ETF, ER 0.15%) and later IJR (iShares S&P Small-Cap 600 Core ETF, ER 0.07%). Both track the Small-Cap Core S&P 600 ind...
by Nicolas
Sun Oct 21, 2018 10:59 am
Forum: Personal Consumer Issues
Topic: What to do with >$1000 in Amazon credits?
Replies: 46
Views: 3637

Re: What to do with >$1000 in Amazon credits?

Save it for when you need to replace a major appliance like a refrigerator. As long as the credits don't expire you should be able to wait that long.
by Nicolas
Sun Oct 21, 2018 10:37 am
Forum: Personal Finance (Not Investing)
Topic: 8 reasons why pensions are [good]
Replies: 67
Views: 5248

Re: 8 reasons why pensions are [good]

I've got a nice pension too, but not as nice as yours. It provides for all our need, but it's from a megacorp (not as secure as yours) and is not indexed to inflation. It will gradually erode until my SS kicks in, then we'll be okay again. But even if we lost the pension, no worries, since our retir...
by Nicolas
Sun Oct 21, 2018 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Where would you go for financial guidance if you win the Megamillions?
Replies: 157
Views: 13062

Re: Where would you go for financial guidance if you win the Megamillions?

Megamillions is a misnomer. It's really centamillions hectomillions, or now, in this case, kilomillion (singular). Megamillions means trillions. It's not even a trillion pennies. Sorry, just had to get that off my chest. Edit: replaced centamillions, which is incorrect, with hectomillions, the corre...
by Nicolas
Wed Oct 17, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1536

Re: Tax loss harvesting question

Thank you, since this was new money (not TLH sourced purchase) I can sell it whenever there are losses and buy something else; How about if I sell this VTI at a loss, buy VV (for example) and VV loses another $600 tomorrow in one day, Can I sell VV and buy something else and then have another $600 ...
by Nicolas
Wed Oct 17, 2018 7:43 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Prepare For The Bear
Replies: 74
Views: 9631

Re: Larry Swedroe: Prepare For The Bear

If you are thinking about selling, you might ask yourself what you know that Buffett doesn’t. Why is Buffett sitting on ~$110B in cash? Perhaps because he's "won the game" and doesn't need to take so much risk? If I had $110B to my name, it certainly would not be in the stock market. But it's not r...
by Nicolas
Tue Oct 16, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2780

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

Masterblaster wrote:
Tue Oct 16, 2018 5:50 pm
And just what would one do with a billion dollars - really.
Exactly, it's much too much money. It has the potential to thoroughly ruin your lfe. Remember Jack Whittaker.... https://en.m.wikipedia.org/wiki/Jack_Wh ... ry_winner)
by Nicolas
Tue Oct 16, 2018 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?
Replies: 55
Views: 2780

Re: "MegaMillions and Powerball jackpots combined are now $1B" - Good investment?

Why buy so many tickets? Just buy one for each drawing if you must. This will raise your chances of winning to just above zero. That’s all you need to win. If luck is a lady you’ll win. Me? I won’t be buying.
by Nicolas
Tue Oct 16, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Sears, a 125 year old company is now a penny stock.
Replies: 123
Views: 14527

Re: Sears, a 125 year old company is now a penny stock.

Sears Holdings is up 50% today at 45.4 cents, why? It's bankrupt soon and the shares will be delisted and worthless so why does anyone buy?
by Nicolas
Mon Oct 15, 2018 1:46 pm
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5119

Re: Need new email address. Gmail or ???

The problem is that most everyone else that you correspond with uses gmail. So regardless of which email provider you use your conversation is still exposed to Google. The point is that all of this information cannot be associated with you. Google may know xxx@outlook.com sends few emails to few gm...
by Nicolas
Mon Oct 15, 2018 7:51 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5119

Re: Need new email address. Gmail or ???

RandomPointer wrote:
Mon Oct 15, 2018 1:16 am
If you value your privacy, you should not use gmail.

outlook.com is a decent option.
The problem is that most everyone else that you correspond with uses gmail. So regardless of which email provider you use your conversation is still exposed to Google.
by Nicolas
Sun Oct 14, 2018 12:22 pm
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5547

Re: Proton Mail

It doesn't appear that you can add ProtonMail as an email account in IOS yet, it uses its own dedicated app. The app seems to work well and it's free, but I would like to be able to read and send from ProtonMail using "All Inboxes" on my iPhone. Right now I can't do that unless I'm misinformed. Cor...
by Nicolas
Sun Oct 14, 2018 11:51 am
Forum: Personal Consumer Issues
Topic: Proton Mail
Replies: 35
Views: 5547

Re: Proton Mail

It doesn't appear that you can add ProtonMail as an email account in IOS yet, it uses its own dedicated app. The app seems to work well and it's free, but I would like to be able to read and send from ProtonMail using "All Inboxes" on my iPhone. Right now I can't do that unless I'm misinformed.
by Nicolas
Sun Oct 14, 2018 11:43 am
Forum: Personal Consumer Issues
Topic: Need new email address. Gmail or ???
Replies: 70
Views: 5119

Re: Need new email address. Gmail or ???

You can’t go wrong with Gmail however if privacy is a major concern I second ProtonMail. ProtonMail’s data centers are based in Switzerland, and Swiss privacy law is considered among the strongest in the world. https://venturebeat.com/2018/05/13/how-protonmail-is-pushing-email-privacy-standards/ It...
by Nicolas
Sat Oct 13, 2018 9:25 pm
Forum: Personal Consumer Issues
Topic: Cancun in a few weeks
Replies: 48
Views: 3065

Re: Cancun in a few weeks

Cuidado with the tainted drinks: https://www.google.com/search?q=tainted+cancun+drinks&oq=tainted+cancun+drinks&ie=UTF-8 http://www.startribune.com/cancun-area-trip-in-face-of-tainted-alcohol-gang-violence-concerns/456481053/ Thanks for the info, I'll probably just have a bottle of beer. :sharebeer...
by Nicolas
Fri Oct 12, 2018 8:15 am
Forum: Personal Finance (Not Investing)
Topic: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing?
Replies: 103
Views: 9638

Re: “$1000/month job is worth $300k in retirement funds” // What are some retirement jobs you would actually enjoy doing

linenfort wrote:
Thu Oct 11, 2018 11:37 pm
Animal shelter assistant, but I don’t think it would pay anywhere near 1K.
My wife does this for free.
by Nicolas
Fri Oct 12, 2018 7:30 am
Forum: Personal Consumer Issues
Topic: TV recommendation for my father
Replies: 55
Views: 2623

Re: TV recommendation for my father

Once the TV is programmed onto the cable remote, there is no need for 2 remotes. The nail polish Is a good idea. The problem my mother had was occasionally pushing the source button and changing the source. And then no picture. And she would assume then that the TV wasn’t working or that the cable ...
by Nicolas
Thu Oct 11, 2018 11:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3346
Views: 1005486

Re: What Book Are You Currently Reading? Part VI

Just started The Daughter of Time (1951) by Josephine Tey. The book has the following: A thousand people drowned in floods in China are news: a solitary child drowned in a pond is tragedy. That sounds very familiar but I have never read this book before. Is it a common observation? Is there an orig...
by Nicolas
Thu Oct 11, 2018 11:09 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3138

Re: Budget Coffee

What do you all like for coffee say under $10 / lb? I buy from this place for $1.50/pound: http://www.cafenguyenchatgiare.com/robusta If I'm feeling fancy I'll splurge on this for $2.70/pound: http://thegioicafesach.com/san-pham/1476/cafe-sua-cho-quan-1kg.html But isn’t this robusta coffee from Vie...
by Nicolas
Thu Oct 11, 2018 5:29 pm
Forum: Local Chapters and Bogleheads Community
Topic: livesoft is almost at 50,000 posts...
Replies: 75
Views: 9621

Re: livesoft is almost at 50,000 posts...

abuss368 wrote:
Wed Oct 03, 2018 9:17 pm
At the current rate, when will livesoft hit 500,000 posts?
If his first 50 took ten years then the next 450 will take another 90 years. And since he’s at 62 now I estimate it will take place in the year 2107.
by Nicolas
Thu Oct 11, 2018 5:16 pm
Forum: Personal Consumer Issues
Topic: Budget Coffee
Replies: 51
Views: 3138

Re: Budget Coffee

I roast my own and pay $4 to $5 a pound. I haven’t bought roasted coffee since early 2003, only green. I'm currently drinking the Monsooned Malabar (from India) beans that I roasted the day before yesterday. Always fresh and delicious!
by Nicolas
Thu Oct 11, 2018 10:39 am
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2001

Re: Route-66 trip recommendations

The Northeast is very pretty. As others have said it might be preferable to a route 66 trip. I recently completed a driving trip through New England. We drove the Mohawk Trail in Massachusetts (so beautiful), Vermont, and the White Mountains of New Hampshire. I could easily do it all again.
by Nicolas
Thu Oct 11, 2018 10:30 am
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4719

Re: Keep a backup hot water heater?

If it fails order a replacement and heat water on the stove for sponge baths and wash your clothes in cold water until it's installed, or just wear different clothes. Sounds rough but you will survive. Also "hot water heater" is a redundant misnomer. Why would you have a device to heat water that's...
by Nicolas
Wed Oct 10, 2018 10:13 pm
Forum: Personal Consumer Issues
Topic: Route-66 trip recommendations
Replies: 39
Views: 2001

Re: Route-66 trip recommendations

Not a scenic route anymore. The Nat King Cole song is great though. Any drive in the mountains out west would be preferable. The Rolling Stones covered the song too which I like a lot, also by many others. There was a popular documentary about route 66 on British television in 2011 which might've h...
by Nicolas
Wed Oct 10, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: Keep a backup hot water heater?
Replies: 97
Views: 4719

Re: Keep a backup hot water heater?

If it fails order a replacement and heat water on the stove for sponge baths and wash your clothes in cold water until it's installed, or just wear different clothes. Sounds rough but you will survive. Also "hot water heater" is a redundant misnomer. Why would you have a device to heat water that's ...
by Nicolas
Tue Oct 09, 2018 7:43 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12685

Re: What purchase saved you the most money?

I'm going to be contrarian here. Things that saved you money but aren't really comparable - i.e. buying a Honda over a BMW. People who shop for one tend not to shop for the other. Buying a Honda gets you reliability. Buying a BMW gets you thrills. Thrills are much more subjective in value. I tried ...
by Nicolas
Mon Oct 08, 2018 9:30 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12685

Re: What purchase saved you the most money?

I'm going to be contrarian here. Things that saved you money but aren't really comparable - i.e. buying a Honda over a BMW. People who shop for one tend not to shop for the other. Buying a Honda gets you reliability. Buying a BMW gets you thrills. Thrills are much more subjective in value. I tried ...
by Nicolas
Sat Oct 06, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12685

Re: What purchase saved you the most money?

Parts to build a cheap home coffee-roaster and green coffee beans from a local co-op. I've saved $10 a week for the 15 1/2 years (so far) that I've been roasting, or $8000 after subtracting the roaster parts, plus I always drink great coffee! What sort of home built coffee-roaster? Must know more! ...
by Nicolas
Sat Oct 06, 2018 1:47 pm
Forum: Personal Consumer Issues
Topic: What purchase saved you the most money?
Replies: 136
Views: 12685

Re: What purchase saved you the most money?

Parts to build a cheap home coffee-roaster and green coffee beans from a local co-op. I've saved $10 a week for the 15 1/2 years (so far) that I've been roasting, or $8000 after subtracting the roaster parts, plus I always drink great coffee! Cutting the cord in May 2010 and substituting a Tivo w/li...
by Nicolas
Sat Sep 29, 2018 12:54 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2397

Re: Amex premium car rental insurance not kicking in

Yes this has been happening to me too. I haven't been charged for the last couple of years, although previous to that I was charged for every rental. I rented a car last week from Enterprise after confirming with Amex that I had premium car rental insurance and so far no charge from Amex though the...
by Nicolas
Sat Sep 29, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2397

Re: Amex premium car rental insurance not kicking in

For the $20 or $25 (depending on what you choose), it seems like a real bargain - ? If you rent at least twice a year and have full coverage on your primary car, it likely isn't. I added a UNOC (Unlimited Non-Owned Car) rider to my existing policy, which I think costs me about $25-30 every six mont...
by Nicolas
Thu Sep 27, 2018 5:30 pm
Forum: Investing - Theory, News & General
Topic: SEC charges Musk with Fraud!
Replies: 117
Views: 10700

Re: SEC charges Musk with Fraud!!!

Maybe TSLA will prosper without him. AAPL is doing okay with Tim Cook.
by Nicolas
Thu Sep 27, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2397

Re: Amex premium car rental insurance not kicking in

Even if the insurance kicks in, they are unreliable, although liars and crooks would be better terms. A few years ago, I rented a car and had an accident. They took their $25 premium with the rental, but refused to both pay for the accident and return my premium (after they argued that I had moved ...
by Nicolas
Thu Sep 27, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2397

Re: Amex premium car rental insurance not kicking in

Yes this has been happening to me too. I haven't been charged for the last couple of years, although previous to that I was charged for every rental. I rented a car last week from Enterprise after confirming with Amex that I had premium car rental insurance and so far no charge from Amex though the...
by Nicolas
Thu Sep 27, 2018 12:52 pm
Forum: Personal Consumer Issues
Topic: cleaning lady stealing
Replies: 49
Views: 7426

Re: cleaning lady stealing

I have friends who will go through the medicine cabinet of any house they happen to be in for any reason. Seems it's just second nature for them. If you have good stuff, you have to hide it or keep it locked up, otherwise it's considered up for grabs just like the cheese plate on the kitchen counte...
by Nicolas
Thu Sep 27, 2018 12:48 pm
Forum: Personal Consumer Issues
Topic: Amex premium car rental insurance not kicking in
Replies: 31
Views: 2397

Re: Amex premium car rental insurance not kicking in

Yes this has been happening to me too. I haven't been charged for the last couple of years, although previous to that I was charged for every rental. I rented a car last week from Enterprise after confirming with Amex that I had premium car rental insurance and so far no charge from Amex though the ...
by Nicolas
Wed Sep 26, 2018 9:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069422

Re: What Movie Have You Recently Watched?

Requiem for a Heavyweight (1962) Anthony Quinn, Jackie Gleason, Julie Harris, Mickey Rooney, & cameos by Cassius Clay (as he was then known) and Jack Dempsey playing themselves. Written by Rod Serling. Directed by Ralph Nelson. A prize fighter at the end of his career faces cold reality. A truly gr...
by Nicolas
Wed Sep 26, 2018 7:41 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069422

Re: What Movie Have You Recently Watched?

khh wrote:
Tue Sep 25, 2018 12:10 am
The Nutty Professor (1963).

The bold colors are striking, especially the beginning scene. Howie Morris and Kathleen Freeman are hilarious. You can also see a young Greg Morris in the class at the beginning.
I like it too, Jerry's masterpiece.
by Nicolas
Wed Sep 26, 2018 7:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3761
Views: 1069422

Re: What Movie Have You Recently Watched?

barnaclebob wrote:
Tue Sep 25, 2018 3:10 pm
Watched "The Shape of Water" on Saturday, was pretty underwhelmed. Super simple plot half full of stereotypical characters. Yawn. Maybe it was supposed to be kind of like starship troopers which is very good.
Agreed, I didn't like it either.