Search found 1147 matches

by Nicolas
Mon Dec 10, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 82
Views: 4481

Re: Electric bill with LED

This thread has me wondering: Do some folks turn all their lights on throughout their house and just leave them on all day? Perhaps no windows or little natural light and you spend most time at home? Even if so - why not only use lights in the rooms you are actually in? I only ask because I see fol...
by Nicolas
Mon Dec 10, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 82
Views: 4481

Re: Electric bill with LED

Do you heat and cool your home? Let's assume you have 5000 watts of tungsten bulbs and replace them with 800 watts of LEDs. The 4200 watts difference is all heat. In winter you heat the house, so the 4200 watts tungsten surplus heat is not wasted. In summer you cool the house, so your air condition...
by Nicolas
Sun Dec 09, 2018 11:46 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 82
Views: 4481

Re: Electric bill with LED

CFLs don’t last as long as LEDs do, so there'll be savings in replacement bulb costs as well. And the light is instant-on and more pleasing overall as others have said.
by Nicolas
Sun Dec 09, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: Electric bill with LED
Replies: 82
Views: 4481

Re: Electric bill with LED

Anyone notice a significant savings going from incandescent or CFL to LED? For about $50 in bulbs I switched all the bulbs in my house to LED. I did it to save $ and help the environment. Just wondering if anyone actually noticed a real savings month to month... $50 switched you completely over to ...
by Nicolas
Sun Dec 09, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 3947

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right. I pay $19.95 for car rental property damage coverag...
by Nicolas
Sun Dec 09, 2018 2:30 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 505
Views: 51491

Re: What frugal thing did you do today?

mindgap wrote:
Sun Dec 09, 2018 12:23 pm
Hopefully get a used Ikea couch from Craigslist for around $250 instead of $600 or even more for the better brands.
I won’t buy used furniture due to risk of bedbug infestation. Only new for me.
by Nicolas
Sat Dec 08, 2018 7:31 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 3947

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right. I pay $19.95 for car rental property damage coverag...
by Nicolas
Sat Dec 08, 2018 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Rental Car Damage Issue
Replies: 69
Views: 3947

Re: Rental Car Damage Issue

One of the things I like about Hotwire rentals is the collision damage waver is $9.00/day. I’ve been renting that way for this past year and it’s been great. There are downsides to Hotwire, but I really like getting a CDW, and that price is right. I pay $19.95 for car rental property damage coverag...
by Nicolas
Sat Dec 08, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 119
Views: 14169

Re: LED light bulbs

Frugalinvestor: Something must be wrong there and maybe you should try another bulb or have a professional check your wiring or something. I've been using tons of LEDs from Cree/Phillips/3M and other name brands for 10 years and never found one to be more than barely warm after long use and even in...
by Nicolas
Thu Dec 06, 2018 6:02 pm
Forum: Personal Consumer Issues
Topic: What frugal thing did you do today?
Replies: 505
Views: 51491

Re: What frugal thing did you do today?

I bought 44 LED lightbulbs at my local Ace hardware store, on sale at four for a dollar(!). My outlay was $11 plus tax. I call that a bargain, the best I ever had. They’re mostly 75W incandescent equivalents (1100 lumens) at 2700K color temperature, some 60W equivalents (800 lumens). The efficiency ...
by Nicolas
Tue Dec 04, 2018 8:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8498
Views: 1666565

Re: U.S. stocks in freefall

GoldenFinch wrote:
Tue Dec 04, 2018 8:31 pm
Aren’t we just back to last Tuesday for the S&P? What’s all the commotion about?
The severity or suddenness of the drop could portend further weakness.
by Nicolas
Tue Dec 04, 2018 8:31 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair for IJS (ishares S&P small cap value)
Replies: 21
Views: 1116

Re: TLH pair for IJS (ishares S&P small cap value)

But those ETFs track the same index that IJS does, the S&P Small-Cap 600 Value index. Wouldn’t they be considered “substantially similar” by the IRS? The IRS's phrase is "substantially identical ," and the IRS has never indicated that two funds tracking the same index fit that bill. On this board, ...
by Nicolas
Tue Dec 04, 2018 7:55 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair for IJS (ishares S&P small cap value)
Replies: 21
Views: 1116

Re: TLH pair for IJS (ishares S&P small cap value)

Looking for some help with recommendations on some etf pairs to tax loss harvest IJS with. Please help. SLYV and VIOV would be natural choices. But those ETFs track the same index that IJS does, the S&P Small-Cap 600 Value index. Wouldn’t they be considered “substantially similar identical” by the ...
by Nicolas
Tue Dec 04, 2018 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: TLH pair for IJS (ishares S&P small cap value)
Replies: 21
Views: 1116

Re: TLH pair for IJS (ishares S&P small cap value)

VTWV Vanguard Russell 2000 Value ETF. Different index but it’s still small value and has a 0.2% expense ratio.
by Nicolas
Tue Dec 04, 2018 7:30 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2340

Re: Looking for a nice travel watch... recommendations?

If you happen to get to Istanbul on your travels recommend the Grand Bazaar for travel watch. I got a fake Rolex Submariner, looked like the real thing, for $80. Figured it would be great travel watch. It said was good to depth of 100 meters, silly me wore it scuba diving in Santorini, though only ...
by Nicolas
Tue Dec 04, 2018 6:15 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2340

Re: Looking for a nice travel watch... recommendations?

Hamiltons are nice - not too blingy, not too expensive. And they come with straps or bracelets. My DH has a Hamilton, and also has a Raymond Weil watch that was ~ $1k, and is lovely. +1, I also have a Hamilton which I like quite well. I got it from my employer for my 35th anniversary with the compa...
by Nicolas
Sun Dec 02, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8498
Views: 1666565

Re: U.S. stocks in freefall

harmoniousmonk wrote:
Sun Dec 02, 2018 6:23 pm
S and P futures up near 2% for tomorrow.
Huzzah! Must be due to easing trade tensions with China. Glad I did my TLH during the correction which now appears to be over.
by Nicolas
Sun Dec 02, 2018 6:35 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8498
Views: 1666565

Re: U.S. stocks in freefall

gilgamesh wrote:
Sun Dec 02, 2018 6:30 pm
harmoniousmonk wrote:
Sun Dec 02, 2018 6:23 pm
S and P futures up near 2% for tomorrow.
I’m fairly sure the stock market is closed tomorrow in honor of George H W Bush.
The markets are closed Wednesday for the national day of mourning, open tomorrow.
by Nicolas
Sun Dec 02, 2018 5:32 pm
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 149
Views: 15708

Re: Best values at Costco? Honestly, a little disappointed...

Gasoline
Maple syrup
Wine — especially what’s recommended here —> https://costcowineblog.com
by Nicolas
Sat Dec 01, 2018 11:55 am
Forum: Investing - Help with Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 49
Views: 8964

Re: The Disaster That Is General Electric Company Stock

The lesson should be that buying individual stocks takes uncompensated risk. An individual stock can go to zero. While that could happen to the entire stock market, it is dramatically less likely than it happening to an individual stock. I'm not sure what you mean by "uncompensated risk". People ha...
by Nicolas
Sat Dec 01, 2018 12:43 am
Forum: Investing - Help with Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 49
Views: 8964

Re: The Disaster That Is General Electric Company Stock

GE down another 6% today. Glad I didn't buy at $10. Here is a fun fact about the stock. Since the bottom of the financial crisis, GE actually outperformed TSM all the way until 2017, after which it has been dropping like a rock: https://i.imgur.com/2c4Kfic.png So “the disaster that is GE stock” is ...
by Nicolas
Fri Nov 30, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: Cancun in January
Replies: 13
Views: 1115

Re: Cancun in January

Be wary of adulterated alcohol in Mexico.
http://milwaukeejournalsentinel.wi.news ... =05c4f4bd6
by Nicolas
Thu Nov 29, 2018 11:42 am
Forum: Investing - Theory, News & General
Topic: First Crypto ETF Index Fund launched!!! $HODL
Replies: 67
Views: 5524

Re: First Crypto ETF Index Fund launched!!! $HODL

White Coat Investor wrote:
Thu Nov 29, 2018 11:31 am
The whole thing is just a big joke, even the name of the ETF. I feel badly for anyone putting serious money into the entire asset class.
What is the joke with the ticker? It’s probably obvious but I don’t get it.
by Nicolas
Thu Nov 29, 2018 10:25 am
Forum: Personal Consumer Issues
Topic: Gutters and gutter guards
Replies: 64
Views: 9917

Re: Gutters and gutter guards

Excellent advice. I may try this. Do you have a 2-story house (my gutters are about 18 feet up). I concerned about whether the shop vac suction will be strong enough ( a post a few up mentions this was a problem ). That was my post but I wasn't using my shop vac as suction , I was using it for blow...
by Nicolas
Tue Nov 27, 2018 3:06 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 444
Views: 54347

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

My Breville Juicer. I saw a documentary called 'fat, sick, and nearly dead', which was fantastic. I made veggie juice every day for 2 weeks, it was going to change my life.....then it was a couple of times a week, then a few times a month...and now it's been about 3 years. I saw this documentary to...
by Nicolas
Wed Nov 21, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 397
Views: 44949

Re: U.S. stocks continue to soar!

Looks like we're up so far today. Is it for real, or is it just a "dead turkey bounce"? :wink: I think it’s for real and the correction is behind us. The stock market will now zig-zag in an upward trajectory through the end of the year. But this is just my opinion and since I know nothing it’s wort...
by Nicolas
Wed Nov 21, 2018 7:29 am
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 37970

Re: Anyone tired of the stock market going up?

Well with the ongoing crash aka "correction" everyone who was so tired of the market going up can now be happy and rest. Foe me I am very unnerved by the downturn as I just retired and now watch my account shrink by over 50K. Not happy! Nick I’m losing that much every day, sad to say, but this too ...
by Nicolas
Tue Nov 20, 2018 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 338
Views: 37970

Re: Anyone tired of the stock market going up?

What happened to the OP, TheTimeLord? Not online since July 15.
Maybe he finally retired.
by Nicolas
Tue Nov 20, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 8498
Views: 1666565

Re: U.S. stocks in freefall

I’m retired and 100% in equities, besides my EF and part of my HSA. I live on my pension. S&P500 futures up 0.3% right now! I’ve been forgetting what green looks like. I bet Mr. Buffett has been aggressively adding to his AAPL holdings, what do you think? He’s been sitting on $110 billion in cash, p...
by Nicolas
Mon Nov 19, 2018 11:45 pm
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8226

Re: Current Retirees: Do you touch your principal?

If you don't (or do not plan to) spend the principal ever, why bother to have saved so much in the first place? It just feels good knowing it's there if the unknown happens. Anyway I didn't know at the time that I wasn't going to need it. My company kicked in 50% for 38 years, how was I going to re...
by Nicolas
Mon Nov 19, 2018 7:23 pm
Forum: Personal Consumer Issues
Topic: Coffee tablebooks??
Replies: 21
Views: 1463

Re: Coffee tablebooks??

http://cmzone.vzbqbxhynotw9ion96xv.netdna-cdn.com/wp-content/uploads/2018/04/Through-a-Different-Lens-Stanley-Kubrick-Photographs.jpg In 1945, at just 17 years old, Stanley Kubrick became a staff photographer for Look magazine. His humanist slice-of-life features celebrate his native New York City ...
by Nicolas
Mon Nov 19, 2018 3:22 pm
Forum: Personal Consumer Issues
Topic: Correct oil for snowblower
Replies: 9
Views: 536

Re: Correct oil for snowblower

SN is higher than SL so yes it’s ok
by Nicolas
Mon Nov 19, 2018 7:24 am
Forum: Investing - Help with Personal Investments
Topic: Current Retirees: Do you touch your principal?
Replies: 79
Views: 8226

Re: Current Retirees: Do you touch your principal?

bearcub wrote:
Mon Nov 19, 2018 4:46 am
Principle. Between 3-4%.
Actually it’s principal.
https://www.thoughtco.com/principal-and ... le-1692772
by Nicolas
Fri Nov 16, 2018 9:07 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19729

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

Not quite sure if I follow, you say you've lost (according to your math) about 6.6 months of your hard work in terms of dollars in your bond allocation (BIV) since you've started your portfolio and you want to sell your equities at a loss to buy more? If I were in your position I would consider dir...
by Nicolas
Fri Nov 16, 2018 8:03 am
Forum: Personal Consumer Issues
Topic: Need advice on (2) jackets.
Replies: 32
Views: 2560

Re: Need advice on (2) jackets.

The top one
by Nicolas
Thu Nov 15, 2018 11:29 pm
Forum: Forum Issues and Administration
Topic: How do I make a avatar
Replies: 3
Views: 433

Re: How do I make a avatar

I use Image Optimizer, and set my desired output to be 100x100 pixels. But even then it isn't accepted by Bogleheads, so I crop a bit off the edges and then it's always accepted. http://www.imageoptimizer.net/Pages/Home.aspx
by Nicolas
Thu Nov 15, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: I can't take this anymore=) I'm selling stocks and buying bonds!
Replies: 129
Views: 19729

Re: I can't take this anymore=) I'm selling stocks and buying bonds!

There is always another person on the other side of a trade. Right? So while one person feels like it is time to get sell the other person thinks it is time to buy. Why do people see the same information yet come to different conclusions? I guess If I knew that I would have gold carpets. :D I do fe...
by Nicolas
Tue Nov 13, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: Best Gutter Guard?
Replies: 15
Views: 1190

Re: Best Gutter Guard?

There is already a long thread on this topic here: viewtopic.php?t=197579
by Nicolas
Tue Nov 13, 2018 9:28 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4085

Re: tipping for grocery delivery

I've ordered a couple of times from Safeway home delivery. Their site prominently says that their drivers don't accept tips, so I haven't tipped them yet. I live in a multi-story condo building with an elevator. offtopic, but I agree with others in this thread. Tipping in this country is out of con...
by Nicolas
Sun Nov 11, 2018 12:23 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3884
Views: 1085868

Re: What Movie Have You Recently Watched?

It's a Gift (1934) W.C. Fields, Baby LeRoy. A bumbling henpecked grocer receives an inheritance, sells the grocery store, buys an orange grove sight unseen and moves the family to California to run it. Not my first viewing. I like this film, it's a comedic masterpiece.
by Nicolas
Fri Nov 09, 2018 11:19 am
Forum: Forum Issues and Administration
Topic: User surge at 3:07AM?
Replies: 5
Views: 1407

Re: User surge at 3:07AM?

Yes, very curious. But what time zone is being reported, your own or GMT? If GMT that’s 9pm Friday night on the east coast.
by Nicolas
Fri Nov 09, 2018 12:01 am
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4085

Re: tipping for grocery delivery

This also reduces my inclination to eat out in restaurants, use the shuttle service for airport parking, etc. Tipping works through shaming, and has no place in what should be routine consumer transactions. I have never seen anyone tip the shuttle driver. At my major airport people frequently tip t...
by Nicolas
Thu Nov 08, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: tipping for grocery delivery
Replies: 53
Views: 4085

Re: tipping for grocery delivery

Why don’t we tip the people who bag our groceries at the grocery store? They’re low-paid employees performing a personal service similar to the people who bag our takeout food or make our lattes. No one tips them. There seems to be little logic around the custom of tipping. My family member used to ...
by Nicolas
Thu Nov 08, 2018 11:24 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 137
Views: 10879

Re: Favorite "free stuff"?

Libraries are not free to get books, you're paying for them with your property taxes. I moved to an unincorporated area where the library is not a line item on the property tax bill. To get access to the local library they would require an annual payment equal to what that tax would be, and in my c...
by Nicolas
Tue Nov 06, 2018 11:06 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1719

Re: Need ideas for unusual gifts for preteen boy

A share of stock like Disney or something of interest to them. Or computer/video game anything. I bought my kids Disney shares in 1990. I even got them the paper certificates with Walt, Mickey, & Donald on the front. But they found it uninspiring. They’d had rather I bought Microsoft, I wish I had ...
by Nicolas
Tue Nov 06, 2018 7:32 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3447
Views: 1021689

Re: What Book Are You Currently Reading? Part VI

Born a Crime , by Trevor Noah (2016). I enjoyed this book! It’s the interesting account of the trials, tribulations, joys, and sorrows, of growing up as mixed-race under apartheid, and afterward under democracy with the repeal of apartheid, in South Africa. Being of mixed race his parents’ union wa...
by Nicolas
Tue Nov 06, 2018 4:54 pm
Forum: Personal Consumer Issues
Topic: Need ideas for unusual gifts for preteen boy
Replies: 27
Views: 1719

Re: Need ideas for unusual gifts for preteen boy

A gyroscope. It’s fun to watch and play with and can be educational.
https://en.m.wikipedia.org/wiki/Gyroscope
by Nicolas
Tue Nov 06, 2018 11:58 am
Forum: Investing - Help with Personal Investments
Topic: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative
Replies: 16
Views: 1215

Re: Too Mid Cap Heavy in My Small Cap Funds--Best Alternative

Trading volume for VIOO is too thin, IJR is much more liquid. When facing this question I opted for IJR. Trading volume is not an indicator of liquidity for index ETFs. The lower cost of IJR is a good reason to choose it: average daily volume is not. This thread is kind of winding, but it covers th...