Search found 645 matches

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: 975

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: 3968

Re: Instant Coffee?

by Ricola
Wed Apr 10, 2019 10:43 am
Forum: Personal Investments
Topic: Treating Home as Bonds?
Replies: 15
Views: 701

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: 1719

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: 221
Views: 11484

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: 1475

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: 1763
Views: 277584

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: 4523
Views: 1165605

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: 1098
Views: 153178

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: 94
Views: 22760

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: 94
Views: 22760

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: 94
Views: 22760

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: 94
Views: 22760

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: 25
Views: 3315

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: 160
Views: 11242

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: 6520

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: 289
Views: 35077

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: 3693

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: 6529

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: 807
Views: 86674

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: 7186

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: 4345

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: 4523
Views: 1165605

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: 4791

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: 4791

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: 10718

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: 10718

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...
by Ricola
Sun May 20, 2018 10:48 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 96
Views: 10718

Re: Solar panels

The whole solar panels on houses, makes me think of the old aluminium siding business depicted in the movie Tin Men.

https://www.youtube.com/watch?v=CnvXjCv089s
by Ricola
Thu May 17, 2018 6:40 pm
Forum: Personal Consumer Issues
Topic: New motorcycle rider
Replies: 106
Views: 6286

Re: New motorcycle rider

At this stage, I just watch old Bronson TV episodes and dream about it.

https://www.youtube.com/watch?v=EnPIOH8bCfk
by Ricola
Fri May 04, 2018 6:30 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1280
Views: 130630

Re: Netflix, Your Current Favorite Show

I just got done watching Bosch season 4 on Amazon Prime. This show is by far one of my top 10 shows of all time. High quality police detective drama. If you like this stuff I suggest you check it out. Season 4 was amazing. +1 and I have read all of the Bosch novels too. I thought season 4 Angeles F...
by Ricola
Fri May 04, 2018 6:22 pm
Forum: Personal Consumer Issues
Topic: Warning: avoid Windows 10 update 1803
Replies: 117
Views: 15134

Re: Warning: avoid Windows 10 update 1803

Windows 10 has tried to update my PC every day for the last several weeks (except for a two week long stretch when I disabled the service). In addition my DVD drive disappeared, but is now back. Its also a real pain if I have Excel files open, because it creates recovery versions on restart 2018-03...
by Ricola
Fri Apr 13, 2018 12:03 pm
Forum: Personal Consumer Issues
Topic: My 2017 CRV is a victim of the dreaded oil gas-dilution issue
Replies: 1098
Views: 153178

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

[/quote] No, actually I think it might be a feature rather than a problem. As I said upthread, Honda can now advertise more economical oil changes for the CRV since you can apparently run on 3.5 quarts of oil mixed with 1.2 quarts of gasoline instead of 4.7 quarts of oil. That synthetic is expensive...
by Ricola
Sat Mar 31, 2018 1:11 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4523
Views: 1165605

Re: What Movie Have You Recently Watched?

An Inconvenient Sequel: Truth To Power, this is an update about the global climate issue by Al Gore, and the history of his work and world activities relating to such since the first movie titled, An Inconvenient Truth. I recommend as required watching, you will learn a lot.
by Ricola
Sat Mar 17, 2018 7:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4523
Views: 1165605

Re: What Movie Have You Recently Watched?

"Dirty Money" on Netflix. Revealing, entertaining and very well done.
by Ricola
Sat Mar 03, 2018 6:25 pm
Forum: Investing - Theory, News & General
Topic: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade
Replies: 79
Views: 11233

Re: Harvard blows $1Billion picking stocks, averaged 4.4% returns over last decade

On a positive note, considering that stocks are a zero sum game, somebody benefited from Harvard's losses. Sadly those were funds were acquired by way of taxpayer subsidies and meant for the cause of education.
by Ricola
Sat Mar 03, 2018 3:59 pm
Forum: Personal Consumer Issues
Topic: Medicare Reimbursement Account? (Federal Retiree with Medicare and BCBS Basic Option)
Replies: 10
Views: 3380

Re: Medicare Reimbursement Account? (Federal Retiree with Medicare and BCBS Basic Option)

Not any help to answering your question, just a comment as to why someone would pay for part B when they are already paying for BCBS Basic.
by Ricola
Thu Mar 01, 2018 12:28 pm
Forum: Personal Investments
Topic: How to Avoid Selling Depreciated Stocks When Retired
Replies: 48
Views: 2998

Re: How to Avoid Selling Depreciated Stocks When Retired

As one who also has IRAs in Balanced Index fund, I have thought about this question too. But the strategies of taking from one side or the other of the AA still seems like marketing timing, there is always some forward assumption about how the market will behave.
by Ricola
Thu Mar 01, 2018 11:01 am
Forum: Personal Consumer Issues
Topic: Costco 'Goodyear' wiper blades
Replies: 51
Views: 13839

Re: Costco 'Goodyear' wiper blades

For Honda, Nissan (and I suspect Toyota too but I don't have personal experience) get the OEM rubber inserts for your OEM blade. It is somewhat of a pain to thread the rubber inserts with two metal spline on side it but there is nothing better in consumer world. You essentially get your brand new w...
by Ricola
Sat Feb 24, 2018 7:38 pm
Forum: Personal Finance (Not Investing)
Topic: Just had our offer accepted on a $1.4 Million House
Replies: 90
Views: 10688

Re: Just had our offer accepted on a $1.4 Million House

The first thing that comes to my mind is your 1st year of Calif property tax at 1.5%, i.e., $21,000...and starts climbing from there. That would just stop me right there. :D
by Ricola
Sat Feb 10, 2018 6:17 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3784
Views: 1090672

Re: What Book Are You Currently Reading? Part VI

The Rooster Bar by John Grisham, I really enjoyed it.
by Ricola
Sat Feb 10, 2018 1:27 pm
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 5514

Re: Black Theme for Site?

I try to use dark backgrounds on cell phones as it saves energy. I heard in the past that green was the easiest color on the eye.
by Ricola
Sat Feb 10, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Suggest coffee maker please
Replies: 113
Views: 8471

Re: Suggest coffee maker please

Nescafe Classico Dark Instant, no coffee maker necessary.
by Ricola
Sun Feb 04, 2018 2:17 pm
Forum: Personal Consumer Issues
Topic: Is VPN needed on a home desktop PC?
Replies: 18
Views: 1598

Re: Is VPN needed on a home desktop PC?

Can you trust the VPN itself? their servers will log everything you do. At the very least you should use HTTPS Everywhere on your browser.
by Ricola
Fri Jan 26, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: Robert Shiller: Stock Market Like 1928
Replies: 57
Views: 7430

Robert Shiller: Stock Market Like 1928

Irrational Exuberance...is this phase II coming ??? or is this just Noise.

https://finance.yahoo.com/news/robert-s ... 53341.html
by Ricola
Sat Jan 13, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: wireless dead again - router suggestions?
Replies: 35
Views: 2405

Re: wireless dead again - router suggestions?

I had a high-end Netgear Nighthawk for about 2 weeks. It acted strange and uncontrollable from the beginning. Took it back and am now trying a TP-Links, so far so good.
by Ricola
Sat Jan 13, 2018 1:03 pm
Forum: Personal Consumer Issues
Topic: Storing Important Documents Online
Replies: 27
Views: 2019

Re: Storing Important Documents Online

You might want to look at Crytomator https://cryptomator.org
by Ricola
Sat Dec 30, 2017 3:41 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.
Replies: 39
Views: 8124

Re: Jack Bogle’s 5 bold investment predictions for 2018 and beyond.

Problem with any predictions is how to adjust for RTM. We are high now, by most anyone's standards. RTM is the unknown and it would be interesting to see some computations that take that into effect.
by Ricola
Mon Dec 25, 2017 12:41 pm
Forum: Personal Consumer Issues
Topic: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help
Replies: 87
Views: 13539

Re: Ford Fusion under Safety Recall for 2 Years - Ford Can't Fix - help

We got a similar recall notice for one of our Toyotas and the dealer replaced the pax airbag this summer.