Search found 593 matches

by Ricola
Thu Nov 09, 2017 8:29 pm
Forum: Personal Finance (Not Investing)
Topic: Federal Retiree Health Care with/Medicare
Replies: 150
Views: 9477

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: 3902

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: 2915

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: 7687

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: 3902

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: 135
Views: 10720

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: 41
Views: 5136

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: 6467

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: 2045

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: 1394

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: 3063
Views: 904313

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: 4480

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: 4480

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: 4480

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....
by Ricola
Sun Aug 27, 2017 12:58 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 100
Views: 8577

Re: Crashplan for Home ending service late 2018

Why no mention of IDrive, they are rated number 1 by a few online reviews. According to them IDrive does everything you could imagine and are offering 70 -90% first-year discounts. I tried them but spent way too much time trying to get it to work. Ended up uninstalling, but they don't have a way to ...
by Ricola
Fri Aug 18, 2017 6:45 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 242
Views: 31041

Re: What is Bitcoin?

Not FDIC insured.
by Ricola
Wed Aug 16, 2017 10:49 am
Forum: Personal Consumer Issues
Topic: Backup of Sensitive Information
Replies: 32
Views: 2396

Re: Backup of Sensitive Information

Will you please answer one other question. If I have to type in the local key does that mean the local key is simply the password used to encrypt the file. When I used Boxcrypter their software said they store the key in the cloud but I still needed a password to open Boxcrypter. I have no familiar...
by Ricola
Sat Aug 05, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Stock market bubble
Replies: 22
Views: 2048

Re: Stock market bubble

Decision making is always relative. In this case, how much money or percentage of your portfolio are you planning to invest? If a large percentage then I say be cautious. If a very small percentage, then take a chance, the downside is not devastating. In 2007, as the Dow crossed 14000 everyone was v...
by Ricola
Fri Jul 21, 2017 10:18 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2320

Re: Alternatives to Sansa Clip+ MP3 Player

Here's a link to bestbuy.com with sansa clip that show some options at $35, $49 and $59: http://www.bestbuy.com/site/searchpage.jsp?st=sansa+clip&_dyncharset=UTF-8&id=pcat17071&type=page&sc=Global&cp=1&nrp=&sp=&qp=&list=n&af=true&iht=y&usc=All+Categories&ks=960&keys=keys I looked at the manual for ...
by Ricola
Fri Jul 21, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2320

Re: Alternatives to Sansa Clip+ MP3 Player

Me too. I have used it for audiobooks for at least 7 years, takes a beating and keeps working. When looking the reviews for the newer models they all seem to not work as well the old one at least for audiobooks. Before the Sansa Clip I tried the ipod but its was too restrictive as to what could be ...
by Ricola
Fri Jul 21, 2017 9:01 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Sansa Clip+ MP3 Player
Replies: 29
Views: 2320

Re: Alternatives to Sansa Clip+ MP3 Player

Me too. I have used it for audiobooks for at least 7 years, takes a beating and keeps working. When looking the reviews for the newer models they all seem to not work as well the old one at least for audiobooks. Before the Sansa Clip I tried the ipod but its was too restrictive as to what could be u...
by Ricola
Sun Jul 09, 2017 1:48 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

"Gold" starring Matthew McConaughey, an American crime drama based on a true story. I think most Bogleheads will really enjoy it.
by Ricola
Fri Jul 07, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Hooked on Great British Baking Show and Great British Baking Show Class. Shows on Netflix and PBS. :)
by Ricola
Mon Jul 03, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: black swan/fooled by randomness
Replies: 11
Views: 2428

Re: black swan/fooled by randomness

I read Black Swan in 2007 and didn't utilize the information. :oops: From what I remember Taleb's investment method is 90% Treasuries and 10% high-risk speculation plays, he doesn't trust the stock market.
by Ricola
Sat Jul 01, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 7132

Re: The Index fund fallacy - what we lost sight of!!

Could we have some discussion on this please? The biggest problem is I see with what the OP is proposing is the confusion between becoming an active, enterprising investor (who analyzes and selects individual stocks) and a passive, defensive investor (who is content with the market return). From Be...
by Ricola
Fri Jun 30, 2017 10:55 am
Forum: Investing - Theory, News & General
Topic: The Index fund fallacy - what we lost sight of!!
Replies: 55
Views: 7132

Re: The Index fund fallacy - what we lost sight of!!

Remember the old saying "don't fall in love with your stocks".
by Ricola
Wed Jun 21, 2017 11:09 am
Forum: Personal Consumer Issues
Topic: Help with Guns in Estate [how to sell]
Replies: 56
Views: 5364

Re: Help with Guns in Estate [how to sell]

To get rid of them, give them to your local Police Department.
by Ricola
Sat Jun 17, 2017 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: The terrible things I have done--I wish to come clean
Replies: 24
Views: 2869

Re: The terrible things I have done--I wish to come clean

Wonderful humor, nice to lighten up a little. :D
by Ricola
Sat Jun 17, 2017 10:06 am
Forum: Investing - Theory, News & General
Topic: Favorite Feature of Vanguard Website?
Replies: 67
Views: 6533

Re: Favorite Feature of Vanguard Website?

Wells VG's is much better than Wells Trade's (Wells Fargo). WT went to a new improved version that is worse than their old version; big font, large open white spaces, difficult to find anything, just horrible.
by Ricola
Sat Jun 10, 2017 1:22 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 12182

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Needs the publicity for his new book, newsletter, interviews, etc.
by Ricola
Sat Jun 10, 2017 1:08 pm
Forum: Investing - Theory, News & General
Topic: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake
Replies: 139
Views: 9108

Re: HEHR-tolerance versus Loss Aversion--why setting and maintaining your own AA might be a mistake

“There seems to be some perverse human characteristic that likes to make easy things difficult. ” ― Warren Buffett :D
by Ricola
Sat Jun 03, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2659
Views: 851390

Re: What Book Are You Currently Reading? Part VI

Just finished "The Undoing Project" by Michael Lewis. Ok...I struggled with this book. I kept waiting for the Michael Lewis to kick in. It did at the end, but quite frankly I referred to this book (to my wife) as the "nap book". After reading 5 pages, I would put the book down and enjoy a nice nap....
by Ricola
Sat Jun 03, 2017 2:48 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2659
Views: 851390

Re: What Book Are You Currently Reading? Part VI

Most Dangerous: Daniel Ellsberg and the Secret History of the Vietnam War, really enjoyed the detailed timeline of events, most revealing. Has there been a movie or series made this? If not it would be very good.
by Ricola
Wed May 24, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Ally Self-Directed Trading
Replies: 11
Views: 1674

Re: Ally Self-Directed Trading

Are they offering any incentives to ACAT existing accounts over the them?
by Ricola
Sun May 14, 2017 1:15 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2659
Views: 851390

Re: What Book Are You Currently Reading? Part VI

Last three that I really enjoyed: Elon Musk: Tesla, SpaceX, and the Quest for a Fantastic Future Hardcover by Ashlee Vance The Infiltrator: My Secret Life Inside the Dirty Banks Behind Pablo Escobar's Medellín Cartel by Robert Mazur....saw the movie first and the book is much better at providing the...
by Ricola
Sat Apr 15, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5730

Re: Larry Swedroe on Understanding Different Types of Risk

Reminds me of: The problem with thinking you know more than the experts. That was the title of a segment on the PBS Newshour last night. "More and more, people don't care about expert views. That's according to Tom Nichols, author of "The Death of Expertise," who says Americans have become insuffera...
by Ricola
Fri Mar 17, 2017 8:23 pm
Forum: Investing - Theory, News & General
Topic: Schwab: Is There Ever a Bad Time to Invest?
Replies: 22
Views: 3814

Re: Schwab: Is There Ever a Bad Time to Invest?

Yes, but is this just selective data. Could some find other time frames and prove just the opposite?
by Ricola
Sun Feb 19, 2017 3:25 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Inside Job on Netflix. Excellent and alarming.
by Ricola
Sat Feb 11, 2017 12:35 pm
Forum: Personal Finance (Not Investing)
Topic: Consolidating to Wells Fargo?
Replies: 18
Views: 1530

Re: Consolidating to Wells Fargo?

Beware of WF. They have some of the highest fees in the industry. If you have multiple accounts understand that WF will charge you, I believe it is now up to $125 per account to transfer out of WF say to some other brokerage. Also will charge fees to close each account. This includes PMA accounts. A...
by Ricola
Sat Feb 04, 2017 10:54 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Starting watching the series Oliver Stone’s Untold History of the United States'. Interesting to watch and learn some new through a new lens.
by Ricola
Sun Jan 29, 2017 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: Game won with market up and retire or Not Yet?
Replies: 33
Views: 5208

Re: Game won with market up and retire or Not Yet?

Thanks everyone for all of your replies. Yes, I am a physician as well and miss the old way of delivering responsible medicine and now cannot halt the fragmentation of today's care. Despite my contributions my director told me he no longer can accommodate my concerns. Everyone's input here helps dr...
by Ricola
Fri Jan 27, 2017 8:14 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2659
Views: 851390

Re: What Book Are You Currently Reading? Part VI

How Everything Became War and the Military Became Everything: Tales from the Pentagon by Rosa Brooks. Our new Secretary of Defense recommends : “One of the most thought-provoking books I’ve ever read. It’s as if we have been sleep walking into this new world and Rosa has turned on a flashlight to sh...
by Ricola
Wed Jan 25, 2017 6:33 pm
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 11068

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

When Taylor speaks, people (especially me) LISTEN!

Wishing all the best on you Birthday! Cheers :sharebeer
by Ricola
Mon Jan 16, 2017 3:36 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Goldman Sachs, The Bank that Runs The World on Netflix. Excellent look at this mega bank.
by Ricola
Mon Jan 16, 2017 3:33 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Tokyo Trial on Netflix, about the International Military Tribunal for the Far East after Japan's surrender in World War II. And also on Netflix Nuremberg: NAZIS on Trial. Both great historical series from WWII with detail not normally provided.
by Ricola
Sun Jan 15, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Lo and Behold: Reveries of the Connected World on Netflix. Amazingly informative and well done.
by Ricola
Sun Jan 08, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Hell or High Water, American neo-western heist-crime. Staring Jeff Bridges, Chris Pine, Ben Foster. Really enjoyable...two thumbs up. :)
by Ricola
Sat Jan 07, 2017 5:07 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3063
Views: 904313

Re: What Movie Have You Recently Watched?

Killswitch,on Netflix, it is a documentary film about the battle for control over the Internet. Makes you think a little :)
by Ricola
Sat Dec 24, 2016 1:30 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2659
Views: 851390

Re: What Book Are You Currently Reading? Part VI

Killing the Rising Sun: How America Vanquished World War II Japan by Bill O'Reilly and Martin Dugard
Just starting but so far an easy and interesting read, a quick summary of the key battles and events of the war with Japan.
by Ricola
Sat Dec 24, 2016 1:12 pm
Forum: Personal Finance (Not Investing)
Topic: Want my employees to take over my company
Replies: 20
Views: 4386

Re: Want my employees to take over my company

Yes, make it a Worker's Self-Directed Enterprise (WSDE) or COOP. The Mondragon corporation in Spain is one of the biggest, with over 100,000 employees. Professor and Economist Professor Richard Wolff has written books about going to this type of businesses model. He even has contacts with Attorney's...