Search found 937 matches

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: 16541

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: 16541

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: 5712

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: 24182

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: 1906

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: 3068
Views: 946026

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: 2083

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: 2083

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: 3575
Views: 1019859

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: 1860

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: 30
Views: 1353

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: 1703

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: 30
Views: 1353

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: 8603

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: 186
Views: 15555

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...
by Nicolas
Mon Jun 04, 2018 9:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1019859

Re: What Movie Have You Recently Watched?

Land of Mine (Danish: Under sandet, lit. 'Under the Sand') (2015 Denmark) Roland Møller, Louis Hofmann, Joel Basman Synopsis from IMDB: "In post-World War II Denmark, a group of young German POWs are forced to clear a beach of thousands of land mines under the watch of a Danish Sergeant who slowly ...
by Nicolas
Sat Jun 02, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5747

Re: Need advice on 1st international vacation

My wife and I are looking to plan our first international trip. We are looking for a 7-10 day vacation in a safe area where English will be commonly spoken. I guess the first place that comes to mind is London, but we are really considering several options such as Rome/Florence/Venice, Cape Town So...
by Nicolas
Sat Jun 02, 2018 6:07 pm
Forum: Personal Consumer Issues
Topic: Need advice on 1st international vacation
Replies: 106
Views: 5747

Re: Need advice on 1st international vacation

London is one of my favorite world capitals. I first visited there at the age of 32 and loved it. (I've been back several times since then). I visited Windsor castle during that trip also, it's a short train-ride from Paddington Station. You could easily spend your whole vacation there.
by Nicolas
Sat Jun 02, 2018 5:51 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1019859

Re: What Movie Have You Recently Watched?

The Big Sleep (1946) Humphrey Bogart, Lauren Bacall, Elisha Cook Jr. Directed by Howard Hawks. Fun to watch film noir but with an incomprehensible plot. Synopsis from IMDB: "Private detective Philip Marlowe is hired by a rich family. Before the complex case is over, he's seen murder, blackmail, and...
by Nicolas
Sat Jun 02, 2018 9:27 am
Forum: Personal Consumer Issues
Topic: Safeco Auto Insurance
Replies: 12
Views: 1060

Re: Safeco Auto Insurance

We've been with Safeco for just over a year. They were the cheapest of about four insurance companies that I compared at the time, including GEICO. They were remarkably cheaper than the others. We insure two cars, a house, and have a 2MM umbrella. We switched from Liberty Mutual because their premiu...
by Nicolas
Fri Jun 01, 2018 10:16 pm
Forum: Investing - Help with Personal Investments
Topic: I didn't tax-loss harvest this month, did you?
Replies: 103
Views: 7585

Re: I didn't tax-loss harvest this month, did you?

Yes, I sold $10K of VWO at a ~7% loss and bought MTUM with the proceeds. (I decided I had too much in emerging markets). Not a lot of money anyway.
by Nicolas
Fri Jun 01, 2018 9:40 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1019859

Re: What Movie Have You Recently Watched?

The Big Sleep (1946) Humphrey Bogart, Lauren Bacall, Elisha Cook Jr. Directed by Howard Hawks. Fun to watch film noir but with an incomprehensible plot. Synopsis from IMDB: "Private detective Philip Marlowe is hired by a rich family. Before the complex case is over, he's seen murder, blackmail, and...
by Nicolas
Fri Jun 01, 2018 9:23 am
Forum: Personal Consumer Issues
Topic: Top Shelf Liquor Overrated?
Replies: 186
Views: 15555

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...
by Nicolas
Thu May 31, 2018 9:55 pm
Forum: Investing - Theory, News & General
Topic: General Electric
Replies: 57
Views: 6720

Re: General Electric

I have held GE personally for the past few months, through the ups and downs. More and more people are telling me to sell and I am not quite convinced yet. On one hand GE is a historically significant company that may just be going through a rough time with regards to profits and publicity. On the ...
by Nicolas
Thu May 31, 2018 9:09 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75209

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

bondsr4me wrote:
Thu May 31, 2018 11:32 am
Gunsmoke; we record it and then watch it every evening.

I also like to watch The Lone Ranger; don't record it tho.

Luv the old-time cowboy stuff....the Good Guy always wins!

Don
Gunsmoke is great. I especially like Chester and Festus.
by Nicolas
Thu May 31, 2018 9:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 694
Views: 75209

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

We're watching all episodes of The Andy Griffith Show starting from day 1 on Netflix Streaming. We're currently in the middle of season 4. It's a lot of fun. I didn't see all the episodes on their original broadcast dates, so the majority of these I've never seen.
by Nicolas
Thu May 31, 2018 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Do you have a monthly household budget?
Replies: 63
Views: 3936

Re: Do you have a monthly household budget?

No, we've never had one, we just wing it. But, both of us being frugal, we've never had a problem, always living below our means. Except when we were young and poor, then we lived at our means, out of necessity. There was a time we brought a calculator to the grocery store so we wouldn't overdraw th...
by Nicolas
Thu May 31, 2018 10:00 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8766

Re: Router hack, have you acted?

To those who are switching away from Linksys or Netgear or TP-Link or any old equipment, can I recommend Asus? I still have an old RT-N66U from around 2013 that is still operational 24/7. I only use it for Wi-Fi not for routing, but it's been rock solid, and Asus still provides firmware and securit...
by Nicolas
Wed May 30, 2018 8:41 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8766

Re: Router hack, have you acted?

We turn ours off every night before going to bed. Hopefully, that provides us with some protection... Why would folks leave it on if you are sleeping? Sometimes I awaken in the dead of night to check what's happening on Bogleheads :) and also our TiVo connects then to update its programming schedul...
by Nicolas
Tue May 29, 2018 10:28 pm
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 8766

Re: Router hack, have you acted?

Yes I updated firmware and tightened security by disabling WPS. I changed the admin password to the maximum number of chars using a totally random password generated by LastPass. Then I rebooted and set it up for twice-weekly auto reboots to take place in the wee hours. I told members of my family t...
by Nicolas
Tue May 29, 2018 10:20 pm
Forum: Personal Finance (Not Investing)
Topic: get sued for posting nagative online review?
Replies: 64
Views: 6939

Re: get sued for posting nagative online review?

To paraphrase Henry Ford, online reviews are bunk!
by Nicolas
Sun May 27, 2018 1:34 pm
Forum: Personal Consumer Issues
Topic: Water Heater Install $1,800!
Replies: 94
Views: 17607

Re: Water Heater Install $1,800!

The last time our water heater failed in 2009 I called around for pricing and ultimately hired Sears. I think I paid about $700 for a new 40 gallon natural gas unit, installed. He hauled away the old unit. Our plumber said at the time that he couldn't match that price. I had to replace the tank pres...
by Nicolas
Fri May 25, 2018 10:14 am
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 23944

Re: Do people still use AAA?

There will always be something special about paper maps which some people have problems reading. Reminder: too completely rely on your GPS can be a big mistake since many parts in our country don’t offer WiFi service. But dedicated GPS devices do not need or use WiFi, they receive satellite-based r...
by Nicolas
Thu May 24, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Do people still use AAA?
Replies: 293
Views: 23944

Re: Do people still use AAA?

There will always be something special about paper maps which some people have problems reading. Reminder: too completely rely on your GPS can be a big mistake since many parts in our country don’t offer WiFi service. But dedicated GPS devices do not need or use WiFi, they receive satellite-based r...
by Nicolas
Mon May 21, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Where Should I Invest 3k in Taxable Account? 100% VTSMX?
Replies: 11
Views: 1277

Re: Where Should I Invest 3k in Taxable Account? 100% VTSMX?

What is VTSMX? Answer: Vanguard Total Stock Mkt Idx Investor Shares
by Nicolas
Sat May 19, 2018 9:59 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard iPad App
Replies: 7
Views: 1045

Re: Vanguard iPad App

Is anyone seeing the same issue as me? The Vanguard iPad app home page has a video entitled "The role of bonds in today's interest rate environment." This title hasn't been changed in many, many months. You would think Vanguard would want to rotate video subjects on the home page. Also, when you cl...
by Nicolas
Mon May 14, 2018 11:17 pm
Forum: Local Chapters and Bogleheads Community
Topic: How did you fall in love with investing?
Replies: 49
Views: 2945

Re: How did you fall in love with investing?

What's love got to do with it? My parents bought me a few shares of a big lumber company when I was a kid and I watched the dividends roll in, but that wasn't what did it for me. (Later when I was a teenager I was shocked when they told me they'd lost $2K on an oil stock. That was when $2K was reall...
by Nicolas
Mon May 14, 2018 10:56 pm
Forum: Personal Consumer Issues
Topic: Bed Bugs
Replies: 42
Views: 4506

Re: Bed Bugs

Pigeon wrote:
Mon May 14, 2018 8:56 pm
You also may never know where they came from. They have been found in public buildings, dressing rooms at stores, government offices, buses, etc.

I would pay the professional to get them taken care of asap.
Even movie theaters and public libraries have been infested.
by Nicolas
Sun May 13, 2018 11:29 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3068
Views: 946026

Re: What Book Are You Currently Reading? Part VI

goodbye, things — The New Japanese Mininalism by Fumio Sasaki. How (and why) to get rid of your stuff to simplify life and increase happiness. I just started it but so far it's promising. I checked it out of my public library. My wife is always after me to get rid of my stuff and so far I’ve been r...
by Nicolas
Sun May 13, 2018 7:48 pm
Forum: Investing - Theory, News & General
Topic: What Percentage CASH are you?
Replies: 168
Views: 17441

Re: What Percentage CASH are you?

I'm no percentage CASH. I'm 100% human. However I'm currently holding about 2.8% cash.
by Nicolas
Sun May 13, 2018 5:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3575
Views: 1019859

Re: What Movie Have You Recently Watched?

Kansas City Confidential (1952) with John Payne, Coleen Gray, Preston Foster, Lee Van Cleef, Jack Elam, Neville Brand. Synopsis from IMDB: "An ex-con trying to go straight is framed for a million dollar armored car robbery and must go to Mexico in order to unmask the real culprits." This is a reall...
by Nicolas
Sat May 12, 2018 3:30 pm
Forum: Personal Consumer Issues
Topic: Getting Bombarded With Medicare Mailings!
Replies: 16
Views: 959

Re: Getting Bombarded With Medicare Mailings!

Quite normal. Just ignore them all.
by Nicolas
Thu May 10, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: AAPL - Great Investment or Value Trap
Replies: 62
Views: 8306

Re: AAPL - Great Investment or Value Trap

Heads up! Apple is going to decline today, as I have an open order to sell half my Apple stock IF it reaches $190/share. :D If it hits $190, that is about a doubling of my purchase price of $93.55 in 2016. Might continue up even more, might go down. Unlike Mr Buffett and Berkshire Hathaway, my hold...
by Nicolas
Wed May 09, 2018 1:57 pm
Forum: Personal Consumer Issues
Topic: Florida road trip - what towns to stay in?
Replies: 28
Views: 1828

Re: Florida road trip - what towns to stay in?

No Florida expert but just stayed in St Augustine and passed through DeLand which are both nice. Be sure to visit the manatees in Blue Springs State Park near DeLand and take the boat ride through the St John’s River. In March, there were many alligators and birds to view - really nice ride! +1 for...
by Nicolas
Tue May 08, 2018 8:03 pm
Forum: Personal Consumer Issues
Topic: Hawaii vacation suggestions
Replies: 40
Views: 4727

Re: Hawaii vacation suggestions

I'm just now booking my first trip to the Islands in March of 2019. I'll be on the big island for 6 days and then 4 days on Maui. I am a fan of outdoor stuff... Hiking up to 20 miles a day, I tired surfing on the west coast a few times(but I stick to snow sports now) Scuba diving, running, cycling,...
by Nicolas
Tue May 08, 2018 7:36 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16557

Re: most compelling TV character ever

Hyacinth Bucket, pronounced "Bouquet" and don't you ever forget it, as played unforgettably by Patricia Routledge on "Keeping Up Appearances". Routledge is a such a great singer that she's able to sing off-key so hilariously as Hyacinth. Great show, I prefer Onslow over Hyacinth. I identify with hi...
by Nicolas
Tue May 08, 2018 7:31 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16557

Re: most compelling TV character ever

Doctor Who -- specifically the incarnation portrayed by Tom Baker, the "scarf doctor", 1974-81. (I saw him in wax at Madame Tussaud's in London).

And who can forget Basil Fawlty and Manuel, of Fawlty Towers?
by Nicolas
Mon May 07, 2018 8:15 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16557

Re: most compelling TV character ever

Moe, Larry, Curly
by Nicolas
Mon May 07, 2018 7:37 pm
Forum: Personal Consumer Issues
Topic: Bucket List Adventures/Activities
Replies: 110
Views: 8238

Re: Bucket List Adventures/Activities

I’d like to walk across Scotland via legal rights-of-way, staying in inns along the way, either west-to-east or the reverse. Not sure I’ll ever do it. I knew someone once who took this route with his son. He said it can get quite chilly in the highlands, even in summer.
by Nicolas
Mon May 07, 2018 7:20 pm
Forum: Personal Consumer Issues
Topic: most compelling TV character ever
Replies: 175
Views: 16557

Re: most compelling TV character ever

Percy Dovetonsils
Crabby Appleton