Search found 629 matches

by Ricola
Thu Oct 04, 2018 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 43
Views: 4673

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: 278
Views: 29904

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: 3503

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: 6156

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: 753
Views: 73748

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: 6942

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: 4058

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: 3759
Views: 1068128

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: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 3748

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: Investing - Help with Personal Investments
Topic: Best buy and hold vanguard fund forever...
Replies: 28
Views: 3748

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: 10014

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: 10014

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: 10014

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: 5596

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: 870
Views: 94851

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: 13574

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: 571
Views: 84786

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: 3759
Views: 1068128

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: 3759
Views: 1068128

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: 10897

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: 1564

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: Investing - Help with Personal Investments
Topic: How to Avoid Selling Depreciated Stocks When Retired
Replies: 48
Views: 2792

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: 43
Views: 9375

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: 10095

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: 3344
Views: 1004198

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: 4511

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: 7942

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: 1381

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: 7253

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: 2259

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: 1767

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: 7850

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: 85
Views: 11873

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.
by Ricola
Fri Dec 01, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Have you moved to ETF's? Why or why not?
Replies: 33
Views: 4680

Re: Have you moved to ETF's? Why or why not?

I used Funds, then went to ETFs when they became available so I could trade a lot. Now, I am moving back to all funds for all the reasons that Nise said and because I trust that Jack Bogle knows best.
by Ricola
Fri Dec 01, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Alternative to Google Finance? [Portfolios feature deprecated]
Replies: 97
Views: 24790

Re: Alternative to Google Finance? [Portfolios feature deprecated]

First Google ruined their fantastic Google News page, I have not found anything yet even close to what it was. Now they have ruined the most concise stock market monitoring site. Both of these changes look similar, i.e., large font, images and white space making them not useful at all. Maybe a type ...
by Ricola
Thu Nov 09, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 209
Views: 19215

Re: Federal Retiree Health Care with/Medicare

I guess I don't understand why one would pay for Part B if you have ongoing FEHB insurance. Doesn't your FEHB insurer cover everything that Part B does?
by Ricola
Sat Oct 28, 2017 12:29 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4650

Re: Revised Version The Little Book of Common Sense...

Amazon says mine shipped and was to arrive on 25th, but failed to deliver...now saying it must have gotten lost in shipment :oops: Had to re-order, no charge though.
by Ricola
Sat Oct 28, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: dishwasher recommendations
Replies: 54
Views: 4543

Re: dishwasher recommendations

Whirlpool for reliability.
by Ricola
Sun Oct 22, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Charles schwab - why so much cheaper?
Replies: 53
Views: 11131

Re: Charles schwab - why so much cheaper?

I left Schwab many years ago when they, at that point in time, their new VP decided to change from low-cost do-it-yourself to more of a higher price full service. When I tried to sell some mutual funds positions at less than 180 day in, they charged me a very large sell fee. I left and never went ba...
by Ricola
Fri Oct 20, 2017 1:49 pm
Forum: Investing - Theory, News & General
Topic: Revised Version The Little Book of Common Sense...
Replies: 31
Views: 4650

Re: Revised Version The Little Book of Common Sense...

Also received the notice and confirmed that I will wait however long it takes. Any way to get a signed copy? :)
by Ricola
Sat Oct 14, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: anyone else not liking the new cars?
Replies: 158
Views: 18082

Re: anyone else not liking the new cars?

[/quote] I just don't see the vast majority of apartment/condo/renter dwellers with the ability to convert to electric. Landlords and leasing companies have no interest in installing/maintaining an electric power supply in their parking lots and garages. This will be a considerable hurdle to the ado...
by Ricola
Sat Oct 14, 2017 10:35 am
Forum: Investing - Help with Personal Investments
Topic: All in with Balanced Index fund
Replies: 44
Views: 7522

Re: All in with Balanced Index fund

I really like the balanced index fund VBIAX for tax-deferred accounts. It will work out nicely when RMDs start. Withdrawals will come out perfectly balanced. Investing to withdrawal, as simple as can be possible.
by Ricola
Sun Oct 08, 2017 1:02 pm
Forum: Personal Consumer Issues
Topic: Lg refrigerator vs Samsung refrigerator.
Replies: 37
Views: 17012

Re: Lg refrigerator vs Samsung refrigerator.

We still have a Sears Kenmore frig that was purchased in 1982. Think it was made by Whirlpool. It has been moved multiple times throughout the years by a variety of people. For the last 20 years, it has been running in the garage as an extra frig. In the summer the garage can get very hot, well over...
by Ricola
Sun Sep 17, 2017 4:04 pm
Forum: Investing - Theory, News & General
Topic: What am I missing, Bogle/Buffet investment philosophy
Replies: 19
Views: 2338

Re: What am I missing, Bogle/Buffet investment philosophy

Just pre-order the updated book "The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns by John C. Bogle. The front cover has the following quote: "Rather than listen to the siren songs from investment managers, investors—large and small—should i...
by Ricola
Sun Sep 17, 2017 10:28 am
Forum: Personal Finance (Not Investing)
Topic: Experian takes money but doesn't Freeze
Replies: 12
Views: 1646

Experian takes money but doesn't Freeze

Like others, we are freezing all credit agency accounts. However, Experian web site makes you go through the freezing application, takes your money, and then tells you they cannot freeze your account and that you need to send a bunch of information and a check to them by mail. Are others experiencin...
by Ricola
Mon Sep 04, 2017 12:46 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3759
Views: 1068128

Re: What Movie Have You Recently Watched?

The House starring Will Ferrell. Silly funny. Despite not so good reviews, we enjoyed it. Relax and laugh a little. :)
by Ricola
Sat Sep 02, 2017 1:32 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 5429

Re: Do you know your bond portfolio's REAL 12 month total return?

do [you] have similar data for TSM? Would be nice to have for my two fund portfolio. :) You can find a TSM data series (and much more) in the Simba backtesting spreadsheet . And then you can compare a two fund portfolio with other types of portfolios, and see what happened in various time periods. ...
by Ricola
Sat Sep 02, 2017 12:10 pm
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 5429

Re: Two fund portfolio !!

Taylor, do have similar data for TSM? Would be nice to have for my two fund portfolio. Ricola: Owning only two good funds, I'll guess your avatar is a picture of your yacht. I do not have similar data for Total Stock Market. It should not matter. The 500 Index fund has similar returns as TSM. Best ...
by Ricola
Sat Sep 02, 2017 11:20 am
Forum: Investing - Theory, News & General
Topic: Do you know your bond portfolio's REAL 12 month total return?
Replies: 61
Views: 5429

Re: Do you know your bond portfolio's REAL 12 month total return?

Bogleheads: Below are two columns: U.S. inflation and Vanguard Total Bond Market returns, since Mr. Bogle introduced TBM in 1986: YEAR..INFLATION....RETURN 1986-------1.1%--------15.2% 1987-------4.4-----------2.8 1988-------4.4-----------7.9 1989-------4.6----------14.5 1990-------6.1-----------8....