Search found 666 matches

by Ricola
Sat Jun 13, 2020 2:55 pm
Forum: Personal Consumer Issues
Topic: Car maker and car year specific coolant?
Replies: 15
Views: 806

Re: Car maker and car year specific coolant?

Wonder if this is just another gimmick to charge high prices. Volvo specified their Blue coolant, but my Volvo mechanic who usually used only OEM part used Prestone (good for everything) coolant.
by Ricola
Mon May 25, 2020 2:30 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 28
Views: 1834

Re: Robot vacuums

Recently received an Ecovacs Deebot, was on sale at Costco. Simple and works well. Just close off a section of the house, like hallway, room, or office. Let it run in there for an hour or so. Picks up a lot of stuff. Also buzzes around the kitchen on hard floors picking up everything. Happy with it.
by Ricola
Sun May 24, 2020 1:42 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4797

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

I have worked in both brokerage and mutual fund operations. From a operations prospective, ETFs are so much easier and cheaper to run in a customer's account that mutual funds. ETFs work like any other exchange traded stock. It is all beautifully standardized. Every mutual fund family has a slightl...
by Ricola
Wed May 20, 2020 12:43 pm
Forum: Personal Consumer Issues
Topic: Safely disinfecting frozen food packages from corona virus?
Replies: 51
Views: 3773

Re: Safely disinfecting frozen food packages from corona virus?

Seems like overkill. The FDA says it is not needed. We want to reassure consumers that there is currently no evidence of human or animal food or food packaging being associated with transmission of the coronavirus that causes COVID-19,'' the FDA wrote in a news release. "This particular coronavirus...
by Ricola
Tue May 05, 2020 12:49 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212064

What TV Show Have You Recently Watched?

The latest season of BOSCH on Amazon Prime.

https://www.imdb.com/title/tt3502248/

[moved from What movie have you recently watched? - admin alex]
by Ricola
Sat Mar 07, 2020 11:39 am
Forum: Personal Consumer Issues
Topic: How is this possible? Is Alexa spying on me?
Replies: 110
Views: 8183

Re: How is this possible? Is Alexa spying on me?

I unplugged mine after I asked it who was talking in the room, and it identified everyone by name. :shock:
by Ricola
Mon Feb 24, 2020 2:44 pm
Forum: Personal Consumer Issues
Topic: Costco Tires
Replies: 95
Views: 8176

Re: Costco Tires

Have always used Costco for many years and have no issues other a balancing issue once. We have a new Les Schwab close by that did some good brake and shocks work on an older foreign car we have. Don't know how their prices compare, but their convenience and additional services like alignments are t...
by Ricola
Mon Dec 23, 2019 4:19 pm
Forum: Personal Investments
Topic: Best first index investing book recommendation?
Replies: 35
Views: 1886

Re: Best first index investing book recommendation?

Rowan Oak wrote:
Mon Dec 23, 2019 12:23 am
epictetus wrote:
Sun Dec 22, 2019 7:35 pm
The Little Book of Common Sense investing first.
Agree. This is the one.

The Little Book of Common Sense Investing, 10th Anniversary Edition

by John C. Bogle
+1 Read, Re-Read, Re-Read... :mrgreen:
by Ricola
Sun Dec 01, 2019 11:50 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5566
Views: 1361419

Re: What Movie Have You Recently Watched?

[/quote] Speaking of the spirit of Mr. Rogers ... I had an epiphany the other day. Bob Ross was Mr. Rogers for adults. [/quote] Agreed. Rogers, Ross and Steve Irwin make up the holy trinity of attitudes to aspire to IMO. I wish I had their passion, kindness and joy for how they lived their respectiv...
by Ricola
Sat Nov 30, 2019 7:04 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212064

Re: What Movie Have You Recently Watched?

[Post moved into here from: What Movie Have You Recently Watched? --admin LadyGeek] Money Heist (Spanish: La casa de papel, transl. The House of Paper) Netflix, now waiting for the next part due in Jan 2020. I heard this is the most popular program worldwide. High Seas, on Netflix new season just r...
by Ricola
Thu Sep 26, 2019 10:27 am
Forum: Investing - Theory, News & General
Topic: Are Money Market Funds currently at Risk?
Replies: 12
Views: 1690

Are Money Market Funds currently at Risk?

Media reports describe the Federal Reserve pumping billions of dollars ($400B so far) into the banking system nighly to cover the lack of banking liquidity. Fed anticipating having to continue doing this for months. Indicates that banks do not have enough capacity to cover short term loans which to ...
by Ricola
Sat Sep 14, 2019 1:49 pm
Forum: Personal Consumer Issues
Topic: New key options for Volvo S90
Replies: 4
Views: 512

Re: New key options for Volvo S90

Go to a Locksmith that works with car dealers. Also, look on ebay for a similar used keyfob that can be reprogramed by a locksmith.
by Ricola
Sat Sep 14, 2019 12:21 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 51
Views: 9623

Re: Vanguard Flagship Services -- Another One Bites the Dust

The best personal advisor I have is a little red book that sits near my desk titled Common Sense Investing by John C. Bogle. :)
by Ricola
Sat Sep 14, 2019 11:09 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212064

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

On Netflix currently enjoying Velvet, a made in Spain series. This is our third Spanish series (High Seas, Gran Hotel, and now Velvet) all by the same producer. Fast speaking, fast-paced, lots of twists and turns, good acting and fun.
by Ricola
Thu Aug 15, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212064

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

LadyGeek wrote:
Sat Jun 08, 2019 9:15 am
It reminds me of the pastel color themes used in Dexter (Netflix), which is classic Miami.
And mostly filmed in Long Beach, CA. :)
by Ricola
Thu Aug 15, 2019 3:32 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1953
Views: 212064

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

Enjoyed to eye-openers on Netflix, The Great Hack and The Family.
Also enjoying on Netflix, High Seas and Gran Hotel both Spanish made.
by Ricola
Thu Jul 11, 2019 2:11 pm
Forum: Personal Consumer Issues
Topic: Avoid MD-88s [commercial aircraft]?
Replies: 61
Views: 4067

Re: Avoid MD-88s [commercial aircraft]?

Douglas or McDonnell Douglas commercial aircraft have a long history as being known as very durable workhorses with long-lasting fuselages, e.g. (DC-3, DC-4, DC-8, DC-9...etc). I had a German airline executive tell me that Douglas Aircraft are the Mercedes of aircraft...Boeing the Chevy :)
by Ricola
Fri Jul 05, 2019 2:51 pm
Forum: Personal Consumer Issues
Topic: Have you cleaned your own carpets?
Replies: 26
Views: 2294

Re: Have you cleaned your own carpets?

Anyone tried using Enzymes cleaning. I was told that bacteria grow in the carpet and cause smells to increase when windows are open, thus feeding air to the bacteria. Apparently, the only way to remove the bacteria is with an enzyme cleaner.
by Ricola
Wed Jun 05, 2019 5:57 pm
Forum: Personal Consumer Issues
Topic: Help:Finally cutting the cord with U-verse...
Replies: 14
Views: 1231

Re: Help:Finally cutting the cord with U-verse...

Comast is no great deal either, but I don't think you will be paying $300 a month. Lack of ISP competition is really something, just more Monopolies.
by Ricola
Fri May 17, 2019 8:51 am
Forum: Personal Consumer Issues
Topic: Instant Coffee?
Replies: 67
Views: 4740

Re: Instant Coffee?

by Ricola
Wed Apr 10, 2019 10:43 am
Forum: Personal Investments
Topic: Treating Home as Bonds?
Replies: 15
Views: 843

Treating Home as Bonds?

Curious if others consider treating their home (providing it is paid-off) as part of their Bond allocation. True it doesn't provide any liquid dividends, but it should appreciate at about the inflation rate and can be liquidated or borrowed from if necessary.
by Ricola
Thu Mar 28, 2019 2:30 pm
Forum: Personal Consumer Issues
Topic: router internet parental controls
Replies: 28
Views: 2122

Re: router internet parental controls

Best solution I found was Router Limits with or without a subscription, your choice.
by Ricola
Sat Mar 16, 2019 11:23 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 330
Views: 25965

Re: Customer Service with Vanguard

My opinion of their service is deteriorating. Helped a young family member start a first time Trad IRA with Vanguard. It has been a month and half since we started and the account is still not established and the deposit funds have not been transfered. Started by setting up an account online. Comple...
by Ricola
Fri Jan 18, 2019 12:32 pm
Forum: Investing - Theory, News & General
Topic: If Everyone Did The 3 Fund Vanguard Strategy, Would Vanguard Be Controlling US Companies?
Replies: 10
Views: 1511

Re: If Everyone Did The 3 Fund Vanguard Strategy, Would Vanguard Be Controlling US Companies?

To my mind stockholders have never been able to control companies except for rare instances like the Ford family. The Board of Directors controls the company and the Board is many times rigged by the CEO or Chairman. Stockholders have been, and most likely will always be at the mercy of a few people...
by Ricola
Sat Jan 12, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: The Final, Definitive Thread on Brokerage Transfer Bonuses
Replies: 2168
Views: 378892

Re: The Final, Definitive Thread on Brokerage Transfer Bonuses

Anyway, Wells Fargo charges $95 to transfer out an account, and I would be moving three accounts. I seem to remember that in the past it was common for receving brokerages to reimburse these fees. Is that still a thing, or have the cash bonuses largely replaced it? Unfortunately, Wells Fargo has th...
by Ricola
Wed Jan 02, 2019 7:52 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5566
Views: 1361419

Re: What Movie Have You Recently Watched?

Fahrenheit 11/9, great! Michael Moore still fighting for Flint Mich.
by Ricola
Wed Jan 02, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1173
Views: 186710

Re: My 2017 CRV is a victim of the dreaded oil gas-dilution issue

Admire your tenaciousness, but at some point, it is just a car and they make and crush thousands of them continually. Honda does not deserve your loyalty, consider trading it for RAV4 and turning this over to some Class Action lawyers. Your health will benefit and you might get a $1.99 back some day...
by Ricola
Sun Dec 30, 2018 2:54 pm
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 141
Views: 33395

Re: Is the Vanguard Balanced Index Fund all you need?

[/quote] The answer is that the fund would continue to sell bonds and buy stocks, or at least place redemptions out of bonds and contributions into stocks, as the stock market continues to move down. Whether or not one would call this rebalancing a "lot" is open to interpretation. The market has not...
by Ricola
Sun Dec 30, 2018 1:56 pm
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 141
Views: 33395

Re: Is the Vanguard Balanced Index Fund all you need?

Thanks! Well, it must be rebalancing a lot in the last few weeks. If the total stk mkt if down 20%, it must be selling bonds to keep buying stocks all the way down, correct? Not correct. You can do the math yourself. The total stk market is NOT down 20% in the last few weeks. The process for rebala...
by Ricola
Sun Dec 30, 2018 1:36 pm
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 141
Views: 33395

Re: Is the Vanguard Balanced Index Fund all you need?

How often does the fund rebalance? it is every day, week, month etc. I think it rebalances essentially continually as it needs to. Think about it: There probably is not a day that goes by without somebody selling shares and somebody buying shares. Also I don't think the 60/40 needs to be precise. P...
by Ricola
Sun Dec 30, 2018 1:23 pm
Forum: Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 141
Views: 33395

Re: Is the Vanguard Balanced Index Fund all you need?

How often does the fund rebalance? it is every day, week, month etc.
by Ricola
Sat Dec 29, 2018 2:48 pm
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 121
Views: 7090

Re: Fidelity beating vanguard now? switch to Fidelity?

The cost difference is not worth switching everything over. I will say that Vanguard now has very poor customer service. You usually feel like you're talking to a robot instead of a person, and it seems to get a little worse every year. New to Vanguard this year and I have no complaints about their...
by Ricola
Thu Dec 13, 2018 7:43 pm
Forum: Investing - Theory, News & General
Topic: [Robinhood to offer 3% cash management program, not a bank account]
Replies: 153
Views: 12360

Re: Robinhood to launch 3% Checking & Savings Accounts

Good for competition, the extremely low bank savings and checking interest has gone on way too long.
by Ricola
Thu Oct 04, 2018 7:13 pm
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 8179

Re: Vanguard Balanced Index Fund Lovers?

Yes, moving towards tax-advantaged all in the balanced fund.
by Ricola
Sun Sep 02, 2018 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: Do you have an umbrella policy?
Replies: 295
Views: 42567

Re: Umbrella insurance..who has it? Is it recommended?

Are there any sources that report or measure the real-life performance of these policies? We had the occasion to read a rental property insurance policy in detail and found it contained enough non-coverage and weasel statements that if it were ever to really be called upon, it could almost be called...
by Ricola
Wed Aug 15, 2018 2:16 pm
Forum: Personal Consumer Issues
Topic: Best consumer products - made in USA
Replies: 62
Views: 4047

Re: Best consumer products - made in USA

Whirlpool appliances
California agriculture; fruits, vegetables, dairy, meat, nuts, grains, cotton, garlic, wine, olive oil, juices...
by Ricola
Fri Aug 03, 2018 12:28 pm
Forum: Investing - Theory, News & General
Topic: Will dividend spending only portfolio last forever ?
Replies: 90
Views: 7078

Re: Will dividend spending only portfolio last forever ?

Hypothetically, yes dividend spending will last for forever. Unfortunately, human beings most certainly will not. Fun to think about setting up a trust that pays the dividends to a particular cause forever. Something like a $100,000 portfolio that donates the dividends to the library, in perpetuity....
by Ricola
Thu Aug 02, 2018 10:41 am
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 814
Views: 97304

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

1030danielle wrote:
Wed Aug 01, 2018 10:12 pm
Do you think this no-fee index fund will lure you away from Vanguard? The numbers are sort of compelling.

Image
Any competition for Vanguard's Balanced Index Fund Adm (VBIAX)?
by Ricola
Thu Jul 05, 2018 11:29 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000
Replies: 48
Views: 7743

Re: Jack Bogle is not a "buy&hold at any price goose", he looks at valuations, he sold his stocks in year 2000

Well, how did that decision play out...75% vs 35% stock allocation from 2000 to 2018? I am guessing, but thinking stay-the-course won.
by Ricola
Sat Jun 09, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Upgrade to SSD for 5-year old desktop?
Replies: 64
Views: 4815

Re: Upgrade to SSD for 5-year old desktop?

I upgraded an ancient Dell laptop from 2007 (SATA-2 160GB 5400 HDD) to a Samsung 840 EVO 256GB SSD, and it was night and day difference on that old beast. Still using it as my daily driver. Even running in SATA-2, the SSD is lightning fast with bootup and launching apps. And swapping in and out wit...
by Ricola
Wed May 30, 2018 3:14 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5566
Views: 1361419

Re: What Movie Have You Recently Watched?

Solo: A Star Wars Story...pleasantly surprised how much we liked it.
by Ricola
Wed May 23, 2018 5:38 pm
Forum: Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 5590

Re: Best buy and hold vanguard fund forever...

+1
[/quote]
Out of curiosity - why not the LifeStrategy Fund that provides the right stock/bond mix? That will provide international exposure as well.
[/quote]

Total Stock and Total Bond have enough diversification for me, so I like to keep it simple and reduce ER.
by Ricola
Wed May 23, 2018 4:21 pm
Forum: Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 5590

Re: Best buy and hold vanguard fund forever...

Toons wrote:
Wed May 23, 2018 3:23 pm
Vanguard Balanced Index Fund -Admiral.
:happy
+1
by Ricola
Sun May 20, 2018 1:24 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 11663

Re: Solar panels

I am a huge advocate for solar but do encourage people to do their own math. Unfortunately some installers show a much more attractive payback by including an overly aggressive "inflation" rate for traditional power costs. I do not think this is good for the industry as a whole but the public is by...
by Ricola
Sun May 20, 2018 1:13 pm
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 11663

Re: Solar panels

For about $50 extra per month or so, based on your average usage, my utility is offering to provide all solar-derived energy. So if you feel environmentally conscious and want to get all of your energy from solar, you can do it without actually adding any real hardware on your part. Where they are g...