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Re: Bitcoins as investment

Another thing, the end of Mt Gox is far from the first time bitcoins have been lost to fraud or hacking, it's only unique due to its scale. There's an extensive, but incomplete, list at https://bitcointalk.org/index.php?topic=83794.0 which details 11 losses of more than 10,000 bitcoin. To which you ...
by Alex Frakt
Sat Mar 01, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10549

Re: Poll: Which car loan?

I'd look for a 0% rate from a manufacturer, several are offering them. Here's a sampling: http://usnews.rankingsandreviews.com/cars-trucks/Best-Car-Deals/ . I got a 5-year 0% from Toyota last year. I priced it through TruCar and was planning on paying cash, so I know taking the deal when they offere...
by Alex Frakt
Fri Feb 28, 2014 12:04 am
 
Forum: Personal Consumer Issues
Topic: Poll: Which car loan?
Replies: 17
Views: 1041

Re: Bitcoin price plunges

When does the patent on the algorithm is expire? If the algorithm is unique and the only way create a good virtual currency, wouldn't the value plummet once the patent has expired? Mathematical algorithms are not generally not patentable and bitcoin's anonymous founder didn't even try. Anyone can c...
by Alex Frakt
Thu Feb 27, 2014 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Concerns re: Relocating to Illinois (Chicago)

I do not see a rational connection between your concerns and the decision to buy or rent. If income taxes increase, it obviously doesn't make a difference. If property taxes increase, you will end up paying either way, whether it is directly or through rental increases. At least if you own, they are...
by Alex Frakt
Thu Feb 27, 2014 11:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concerns re: Relocating to Illinois (Chicago)
Replies: 40
Views: 2689

Re: Stocks that Don't Pay Dividends - Greater Fool Driven?

Let's not forget the obvious. Stocks are ownership. If a company's stock value drops enough below its fair market value, some other company or group of investors will buy up the stocks so they can get control of the company's income and assets. This will drive prices up somewhere around fair value. ...
by Alex Frakt
Thu Feb 27, 2014 11:05 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks that Don't Pay Dividends - Greater Fool Driven?
Replies: 73
Views: 4283

Re: Recognizing losses in a sole proprietor

The short answer is:

1) No.
2) No.

You are getting good advice to your identical post at fatwallet - http://www.fatwallet.com/forums/finance/1345872/
by Alex Frakt
Thu Feb 27, 2014 1:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Recognizing losses in a sole proprietor
Replies: 4
Views: 270

Re: California vs. Texas

Locked. Comments are getting increasingly off topic, probably because there is no clear personal and actionable question in the original post.

Note to the OP. You may repost if there is a specific question you want the answer to.
by Alex Frakt
Thu Feb 27, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: California vs. Texas
Replies: 32
Views: 2814

Re: Bitcoin price plunges

FNK wrote:Sigh.

May I suggest that we ban bitcoin discussions at this forum?

If you'll admit that they are not investment products :-)
by Alex Frakt
Wed Feb 26, 2014 5:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Does Vanguard spend "our" money on Lobbying activities?

The only real practical way is to leverage the expertise that will reside in industry. Vanguard can do this on their own, or even more efficienly through lobbying groups that can represent the interests of a broad number of industry players. I hope they don't automatically throw in with their indus...
by Alex Frakt
Wed Feb 26, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 3471

Re: How to backup TrueCrypt

I've never heard of Time Machine (when I've used TrueCrypt, I backed up by mounting both master and backup and then synching), but it looks like you can google for an answer. Perhaps this one? http://www.tspike.com/blog/145/time-machine-truecrypt Here is the solution that worked for me for getting T...
by Alex Frakt
Wed Feb 26, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: How to backup TrueCrypt
Replies: 11
Views: 1031

Re: (possible) malware hosted on www.bogleheads.org

Someone included a couple of (now defunct) image links to smileys that were hosted on the site in question. The links can't hurt you, but I removed them anyway. Try again, the error message should be gone.
by Alex Frakt
Wed Feb 26, 2014 4:18 pm
 
Forum: Forum Issues and Administration
Topic: (possible) malware hosted on bogleheads.org [FIXED]
Replies: 1
Views: 673

Re: Bitcoin price plunges

The lesson learned from Mt Gox is that if you do not keep your bitcoins in a bitcoin wallet that you alone control, you are forfeiting Bitcoin's inherent protection and are depending on some other entity to keep it safe. Remember this guy? http://www.zdnet.com/black-friday-for-owner-after-8m-in-bit...
by Alex Frakt
Tue Feb 25, 2014 11:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Bitcoin price plunges

I suspect the only way it can survive is if someone can convince a national regulator to oversee their trading and storage platform, Government regulation did not protect anyone from Madoff. Madoff's theft did not stop people from using dollars. It did not even stop people from using stock brokers....
by Alex Frakt
Tue Feb 25, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Bitcoin price plunges

I "It hasn't shaken my trust in Bitcoin, but it has shaken my trust in bitcoin exchanges." Indeed! I think this is probably the end, not just for bitcoin, but for all similar cryptocurrencies. Up to now, I imagine that most participants operated on the theory that "Mt. Gox must be OK...
by Alex Frakt
Tue Feb 25, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Bitcoin price plunges

I have now heard the comments that bitcoin is not really a "currency" in the true sense but more like a commodity (gold). With the volatility it has shown over the past year, that is still an understatement. It might be a better analogy-- I like that. Bitcoin is a commodity not a currency...
by Alex Frakt
Tue Feb 25, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: Bitcoin price plunges

From the New York TImes - http://nyti.ms/1fAbGBT - "Apparent Theft at Mt. Gox Shakes Bitcoin World" The most prominent Bitcoin exchange appeared to be on the verge of collapse late Monday, raising questions about the future of a volatile marketplace. On Monday night, a number of leading Bi...
by Alex Frakt
Tue Feb 25, 2014 3:26 am
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17956

Re: KissTrust--trust accounts for the middle class?

They responded: Thank you for contacting us. Notwithstanding our belief that the content is in the public domain, our intent is not to misuse your site. All references to your site are scheduled to be removed from http://www.kisstrust.com .. This should be resolved by weeks end. Regards, Ned Armand ...
by Alex Frakt
Mon Feb 24, 2014 3:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 30
Views: 9564

Re: How long before a new post is approved?

I approved your first post a few minutes ago.

To answer your question, it can take up to a day. Currently there are only three people that approve first posts and two of us work full-time so we don't always get to them right away.
by Alex Frakt
Mon Feb 24, 2014 3:42 pm
 
Forum: Forum Issues and Administration
Topic: How long before a new post is approved?
Replies: 2
Views: 359

Re: Why do the Roth IRA backdoor?

bump following delayed mod approval
by Alex Frakt
Mon Feb 24, 2014 3:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why do the Roth IRA backdoor?
Replies: 3
Views: 506

Re: Here's What Bad Estate Planning Can Cause

Locked. This subforum is for personal issues only. Celebrity financial screwups are off-topic.
by Alex Frakt
Mon Feb 24, 2014 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Here's What Bad Estate Planning Can Cause
Replies: 7
Views: 1235

Re: The Jack Bogle Dime

Locked. Off topic.
by Alex Frakt
Mon Feb 24, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: The Jack Bogle Dime
Replies: 17
Views: 1424

Re: Does Vanguard spend "our" money on Lobbying activities?

A quick note. Vanguard is not a non-profit, but it is a mutual organization, owned by the fund investors. In practice this means Vanguard provides its management services at cost, there are no individual shareholders who receive dividends (or have the ability to sell shares). If Vanguard consistentl...
by Alex Frakt
Mon Feb 24, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 3471

Re: Does Vanguard spend "our" money on Lobbying activities?

I'm unlocking the thread, but I do want to note the following: - The thread has been moved to the Personal Consumer Issues forum, since it is a question about a company, not about investing. - Several posts have been removed. Political preferences and arguments over the general effectiveness of adv...
by Alex Frakt
Mon Feb 24, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 3471

Re: KissTrust--trust accounts for the middle class?

I agree posting snips from Bogleheads threads along side the Bogleheads logo and presenting them as "reviews" is definitely unseemly. It would make me steer away from these guys. I don't think they will include this post in their "reviews". I am advising admin, but I don't know ...
by Alex Frakt
Mon Feb 24, 2014 4:25 am
 
Forum: Personal Finance (Not Investing)
Topic: KissTrust--trust accounts for the middle class?
Replies: 30
Views: 9564

Re: Why Own Bonds at All?

Locked. From the forum policies: "Occasionally [...] a topic will reach a point where the information content of the discussion has been essentially exhausted and further replies are much more likely to cause distress to the community than add anything of value."
by Alex Frakt
Sun Feb 23, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Why Own Bonds at All?
Replies: 492
Views: 28285

Re: Bogleheads 13 Convention?

Mel will post once it's arranged.
by Alex Frakt
Sun Feb 23, 2014 4:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads 13 Convention?
Replies: 6
Views: 738

Re: Google Chrome: All sites show "insecure"?

Is your computers date set correctly? I've seen issues where the computers date was set incorrectly and this caused problems when validating the authenticity of certificates used for secure connections. Do check your system date. I once spent a couple of hours trying to figure out what was wrong wi...
by Alex Frakt
Sun Feb 23, 2014 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: All sites show "insecure"?
Replies: 10
Views: 557

Re: Mouse over thread title to see content?

That's a good idea. We'll look into adding it. (Note to self - here's one mod to do it - https://www.phpbb.com/customise/db/mod/topic_preview/ )
by Alex Frakt
Sun Feb 23, 2014 3:26 pm
 
Forum: Forum Issues and Administration
Topic: Mouse over thread title to see content?
Replies: 21
Views: 1475

Re: Google Chrome: All sites show "insecure"?

If it happens on all https sites, either your computer has been infected by malware or, more likely, It's an extension issue. Chrome will show that message if there is any non-secured content on an otherwise secured page. If you have an extension or malware that inserts some kind of outward call int...
by Alex Frakt
Sun Feb 23, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: All sites show "insecure"?
Replies: 10
Views: 557

Re: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)

Since people keep PM'ing me about this, I'll update. This is an excerpt from a Washington Post article - http://www.washingtonpost.com/national/obama-touts-wage-hike-creates-myra-savings-plan/2014/01/29/f3468766-895a-11e3-a760-a86415d0944d_story.html At a U.S. Steel Corp. plant outside Pittsburgh, h...
by Alex Frakt
Thu Jan 30, 2014 3:23 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4059

Re: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)

Bump. You can read what the Treasury is saying about this here: http://www.treasurydirect.gov/readysavegrow/. Note that they "expect to begin rolling out myRAs in late 2014" and that it will have to be offered by your employer.
by Alex Frakt
Thu Jan 30, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4059

Re: Advice and next steps for 28 y/o?

bump following delayed approval
by Alex Frakt
Wed Jan 29, 2014 4:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice and next steps for 28 y/o?
Replies: 6
Views: 795

Re: Beginner Investor with $100K

If I've read your question correctly, you are asking about what to with your taxable funds (i.e., those outside of your Roth and 401(k))? Based on what you have told us, you are in very good financial shape. There's no need for a major makeover, so we can concentrate on things that look small now, b...
by Alex Frakt
Wed Jan 29, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Beginner Investor with $100K
Replies: 2
Views: 554

Re: The Renter From.............

Locked. Threads on this subforum must be both personal and actionable, for more details see viewtopic.php?f=3&t=112988
by Alex Frakt
Wed Jan 29, 2014 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Renter From.............
Replies: 6
Views: 1498

Re: myRA accounts - more info anywhere?

We'll leave this locked until this is enacted (or created or whatever the process is). If more threads show up, we'll merge them here so everyone gets the message.
by Alex Frakt
Wed Jan 29, 2014 1:02 am
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4059

Re: SUV Vs Sedan

I will grant you that the average rating for small cars is probably lower than other classes, but you don't buy an average, you buy one car. Those tests only simulate collision with a fixed object or vehicle of similar weight. But here we are discussing vehicle classes - mid-size sedans against sma...
by Alex Frakt
Mon Jan 27, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: SUV Vs Sedan
Replies: 50
Views: 3566

Re: [Need help finding health insurance in CA]

boglerocks wrote:Alex, thank you for unlocking this thread. I need this information.

That's why I unlocked it. Note that I just changed the thread title. Hopefully it will help in keeping responses on topic.
by Alex Frakt
Mon Jan 27, 2014 7:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Need help finding health insurance in CA]
Replies: 54
Views: 1948

Re: Most expensive [coverdca.com plan] & no doctors accept i

Alex Frakt wrote:topic locked for moderator review.


Topic unlocked. But note that general political policy comments are not acceptable here, nor are attacks on other posters. If you are not trying to help the OP find suitable coverage, they you probably should not be posting on this thread.
by Alex Frakt
Mon Jan 27, 2014 7:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Need help finding health insurance in CA]
Replies: 54
Views: 1948

Re: "Oldies" for young people - what's popular?

My five-year-old's favorite songs are Led Zeppelin's Black Dog and Bob Seger's Fire Down Below. I hope he moves on to something else before he figures out the lyrics :-)
by Alex Frakt
Mon Jan 27, 2014 4:00 pm
 
Forum: Personal Consumer Issues
Topic: .....
Replies: 38
Views: 3198

Re: LIFE WITHOUT XP (Part 2): Replacing Outlook Express

What I didn't like about Gmail and it was significantly different from either OE or Thunderbird was the ability to organize messages into folders\sub-folders\sub-folders\etc. That was crucial for me and Gmail wouldn't let me do it. Gmail uses "Labels" instead. You can create as many label...
by Alex Frakt
Mon Jan 27, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: LIFE WITHOUT XP (Part 2): Replacing Outlook Express
Replies: 34
Views: 1768

Re: Roth IRA [basic questions]

Ok I'm a newbie from my understanding a Roth IRA is fuel by post tax money and I can access it without paying a penalty.... [W]here can I get one? You can open a Roth IRA account at pretty much any brokerage, bank or mutual fund company. I'd suggest using Vanguard: https://personal.vanguard.com/us/...
by Alex Frakt
Mon Jan 27, 2014 2:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any ideas? Not sure how to make it work for my family
Replies: 7
Views: 1097

Re: Private School Funding

Posts and comments that are not responsive to the OP's question have been removed. General discussions about private versus public education (as opposed to questions about your specific situation) are off-topic on this site. This is the third time a moderator has had to step in on this thread. Furt...
by Alex Frakt
Thu Jan 23, 2014 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Tax Advantaged] Private School Funding [Options]
Replies: 26
Views: 4490

Re: A Modest Proposal [adding off-topic board]

It is not going to happen under the name bogleheads or bogleheads.org. I have no interest in creating or maintaining such a forum. If someone else wants to try, be my guest. We will let you post announcements about it here.

It has happened at least twice before. both new forums failed.
by Alex Frakt
Sun Nov 17, 2013 1:52 pm
 
Forum: Forum Issues and Administration
Topic: A Modest Proposal [adding off-topic board]
Replies: 76
Views: 4398

Re: Bitcoins as investment

As a medium of exchange, it's main value is being able to make financial transactions semi-anonymous for criminal elements. The more popular it becomes for that purpose, the more I expect it will be on the government's radar screen as something to eventually outlaw. The victims of Cryptolocker - ma...
by Alex Frakt
Fri Nov 15, 2013 8:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10549

Re: RMD from IRA Rollover/Employer Plan - Tax Mistake?

A reminder from the forum policies: We expect this forum to be a place where people can feel comfortable asking questions and where debates and discussions are conducted in civil tones. Respect your debating opponents. Debates are about issues, not people. If you disagree with an idea, go ahead and...
by Alex Frakt
Wed Nov 13, 2013 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD from IRA Rollover/Employer Plan - Tax Mistake?
Replies: 23
Views: 1140

Re: Bitcoins as investment

I'm often asked to explain bitcoins so I've been trying to come up with the best metaphor. To me the keys are that it's not legal tender (so it's not currency), has a finite supply (so it's not beanie babies), and no material value (not gold or precious metals). So far I've come up with collectible ...
by Alex Frakt
Tue Nov 12, 2013 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 190
Views: 10549

Re: A thank-you to veterans

[moved to the Bogleheads Community forum]
by Alex Frakt
Mon Nov 11, 2013 4:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: A thank-you to veterans
Replies: 32
Views: 1036

Re: Important Change to Ally CDs

What is this like the fifth time this "news" has been posted over the past few weeks? I'm kind of offended that there seems to be an expectation that no one can open their mouths unless they've thoroughly searched every thread ever posted. IMO, you should check to see if a news item has a...
by Alex Frakt
Mon Nov 11, 2013 3:29 pm
 
Forum: Forum Issues and Administration
Topic: Important Change to Ally CDs [turned into search tips]
Replies: 23
Views: 2043

Re: Important Change to Ally CDs [turned into search tips]

The forum search is not very good for queries of a couple of keywords. That's what Google is traditionally the best at, so that's where you should perform those searches. Note that once you do the search on google, you can use their tools to, for example, limit the results to just the last month. He...
by Alex Frakt
Mon Nov 11, 2013 1:01 pm
 
Forum: Forum Issues and Administration
Topic: Important Change to Ally CDs [turned into search tips]
Replies: 23
Views: 2043
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