Search found 1068 matches

by Nicolas
Wed Oct 17, 2018 1:12 pm
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting question
Replies: 19
Views: 1468

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: 9494

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: 2717

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: 2717

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: 14437

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: 5075

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: 5075

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: 5537

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: 5537

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: 5075

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: 3037

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: 9592

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: 50
Views: 1982

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: 3344
Views: 1004564

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: 3120

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: 9600

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: 3120

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: 38
Views: 1821

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: 4694

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: 38
Views: 1821

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: 4694

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: 12661

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: 12661

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: 12661

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: 12661

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: 30
Views: 2209

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: 30
Views: 2209

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: 10641

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: 30
Views: 2209

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: 30
Views: 2209

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: 7422

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: 30
Views: 2209

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: 1068618

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: 1068618

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: 1068618

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.
by Nicolas
Wed Sep 26, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Am I using facebook correctly?
Replies: 43
Views: 3336

Re: Am I using facebook correctly?

Jack FFR1846 wrote:
Wed Sep 26, 2018 12:22 pm
I found the correct way to use both failbook and LinkedIn. I deleted my accounts.
+1, just quit Facebook cold turkey and never go back, it's the best solution.
by Nicolas
Tue Sep 25, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: How to buy a mattress
Replies: 46
Views: 3361

Re: How to buy a mattress

We used to always buy at Costco and before that Sam’s Club, but last time we needed one we bought a Leesa online and so far we are happy with it.
by Nicolas
Tue Sep 25, 2018 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is the sentence for laminating a Medicare Card?
Replies: 38
Views: 8423

Re: What is the sentence for laminating a Medicare Card?

It’s the same sentence you get for ripping those white tags off of mattresses.
by Nicolas
Tue Sep 25, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: New Facebook group for Vanguard investors!
Replies: 22
Views: 2152

Re: New Facebook group for Vanguard investors!

ResearchMed wrote:
Tue Sep 25, 2018 8:25 am
edheath wrote:
Tue Sep 25, 2018 8:17 am
Do you invest with Vanguard and like talking investing and the markets, then join Friends of Vanguard: https://www.facebook.com/groups/2103720316328402/
Zero interest in anything related to Facebook.

RM
+1, I won't go near Facebook or anything else it owns such as WhatsApp and Instagram.
by Nicolas
Tue Sep 25, 2018 5:10 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 310
Views: 43641

Re: Roll Call for the Retirement Class of 2018!

wwhan wrote:
Wed Sep 19, 2018 5:57 pm
Retired at age 64.

Now, everyday is Saturday.

I used to look forward to the weekend, now I look forward to the weekday when everything is open and less crowded.
Me too, I now dislike weekends and love Mondays.
by Nicolas
Tue Sep 25, 2018 4:59 pm
Forum: Personal Consumer Issues
Topic: What is your single most expensive mistake?
Replies: 293
Views: 25228

Re: What is your single most expensive mistake?

Sadly, my biggest single investing mistakes have all been investing in friends' startups. I've done this 5 times now, but the worst one was a guy I had considered a trusted friend who was starting his own "E-Learning" business in a major East-Asian city. Turns out he didn't like the city because it...
by Nicolas
Fri Sep 14, 2018 6:29 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2894

Re: Picking a Charity

I've found that many charities are scams. Go to charitynavigator.org and check them out. Many military veteran, police, and firefighter charities are out-and-out scams, also those that promise to be seeking cures for specific diseases. You can see what they pay their directors there too. Even well-...
by Nicolas
Fri Sep 14, 2018 6:09 pm
Forum: Personal Consumer Issues
Topic: Can I buy a Tesla?
Replies: 121
Views: 9612

Re: Can I buy a Tesla?

Congrats! Go for it.
by Nicolas
Wed Sep 12, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Buying a house 1 mile away from a municipal landfill
Replies: 43
Views: 3486

Re: Buying a house 1 mile away from a municipal landfill

If it's an old landfill who knows what's in it? Remember Love Canal? If not, look it up. I wouldn't buy.
by Nicolas
Wed Sep 12, 2018 7:18 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2894

Re: Picking a Charity

I've found that many charities are scams. Go to charitynavigator.org and check them out. Many military veteran, police, and firefighter charities are out-and-out scams. Also those that promise to be seeking cures for specific diseases. You can see what they pay their directors there too. Even well-...
by Nicolas
Wed Sep 12, 2018 6:55 pm
Forum: Personal Consumer Issues
Topic: Picking a Charity
Replies: 69
Views: 2894

Re: Picking a Charity

I've found that many charities are scams. Go to charitynavigator.org and check them out. Many military veteran, police, and firefighter charities are out-and-out scams, also those that promise to be seeking cures for specific diseases. You can see what they pay their directors there too. Even well-k...
by Nicolas
Wed Sep 12, 2018 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: Seeking Advice
Replies: 6
Views: 629

Re: Seeking Advice

If you need this money late next year keep it safe! Don't invest it in a mutual fund of any type, the time is too short. A 13-month CD, FDIC-insured, at Synchrony Bank yields 2.65%. That's $2870.33 interest on your $100K. https://www.synchronybank.com (Ally's equivalent rate is only 2.5%, they don't...
by Nicolas
Wed Sep 12, 2018 3:18 pm
Forum: Personal Consumer Issues
Topic: iPhone XS Max
Replies: 231
Views: 15788

Re: iPhone XS Max

Just buy it - it's only money and life is short! (Full disclosure: Apple stockholder)