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Re: Is Stopping SPAM on Yahoo Possible?

Yes, they do appear in the special SPAM folder, but it is in such quantity that it makes me think I am doing something wrong. Nowadays I just wait until they build up a few days. Scan the subject headers and only very occasionally I find something that does not belong in spam. Then I delete them all.
by BlueEars
Sun Apr 20, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Is Stopping SPAM on Yahoo Possible?
Replies: 17
Views: 859

Re: KeePass vs LastPass

When I ran the LastPass security check and read the report carefully, I found one nasty hole in my security. So I'd highly recommend doing this. In setting up my Netgear router it has the default password (for the web login) as "password". I thought I had lost my assigned password and so c...
by BlueEars
Wed Apr 16, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6040

Re: Does android tablet need strong password?

Thanks for this info Jeffy. As a test I used Android Device Manager to ring my tablet and it worked easily.
by BlueEars
Tue Apr 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Does android tablet need strong password?
Replies: 3
Views: 371

Does android tablet need strong password?

I have a Nexus 7 tablet with currently a very short screen entry password. I'm wondering how many characters must be used in such a password? Regarding this, don't the bad guys have to use the same manual entry technique I use to gain access? Or is there an automated way? If this can be easily autom...
by BlueEars
Mon Apr 14, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Does android tablet need strong password?
Replies: 3
Views: 371

Re: KeePass vs LastPass

jackpullo997 wrote:...(snip)...
If you use this program, make sure to write down ON PAPER every single password it creates,
or you will probably be sorry one day.

One can create a CSV file that contains the (now easy to read) passwords: Tools->Advanced Tools -> Export to -> LastPast CSV file
by BlueEars
Mon Apr 14, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6040

Re: What % of stock market "drive" is gambling?

I'm wondering whether there's any way to approach the question objectively. I don't think this can be measured because it is so fuzzy. So the short answer would be "no". So, speaking strictly from personal opinion, I would grade these activities in order of decreasing extent to which the ...
by BlueEars
Sun Apr 13, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: What % of stock market "drive" is gambling?
Replies: 42
Views: 3932

Re: KeePass vs LastPass

I've just started using LastPass on my PC and like it. It occurs to me that it opens up my financial sites too easily. Suppose I walk away from my computer and leave the browser up. Anyone could get into any financial accounts in that case. So I'm not including financial accounts in my LastPass vaul...
by BlueEars
Fri Apr 11, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: KeePass vs LastPass
Replies: 105
Views: 6040

Re: heartbleed - widespread internet security problem

This security issue has convinced me to go with a password manager like maybe Lastpass.

Will Lastpass users have to go to each site and rework their password? I would imagine the answer is yes. If yes, is the process easier for them?
by BlueEars
Wed Apr 09, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16606

Re: Why is ordered filled at a split penny price point ?

Sounds like if it's price improvement, it will be a bit different each time. You note that It always seems to get filled at something like 75.5099 i.e. .0001 under the ask - if there's some rounding pattern, it's likely something else. It so happens that I had to do some trades today according to m...
by BlueEars
Mon Mar 31, 2014 8:30 pm
 
Forum: Investing - Theory, News & General
Topic: Why is ordered filled at a split penny price point ?
Replies: 15
Views: 886

Re: Why is ordered filled at a split penny price point ?

If I cannot trade in increments smaller then 1.0 cent (I've asked about doing this), how can the fill be done at a tiny fraction below the ask? Orders cannot be placed in subpenny increments, but the person handling the other side of the trade can offer what's called "price improvement", ...
by BlueEars
Mon Mar 31, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Why is ordered filled at a split penny price point ?
Replies: 15
Views: 886

Re: Why is ordered filled at a split penny price point ?

Sounds like we suspect HF trading. Maybe HF trading is good for something?

The order was not a partial order and the broker is Vanguard VBS. I've seen this on almost 100% of (limit) orders.
by BlueEars
Mon Mar 31, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Why is ordered filled at a split penny price point ?
Replies: 15
Views: 886

Why is ordered filled at a split penny price point ?

I find that when I buy a good size chunk of a Vanguard ETF like maybe VTV the order is filled favorably at a small fraction below the ask. For instance, the ask is 75.51 and I put in a BUY order at 75.52 (1 cent above the ask to get a fast execution). It always seems to get filled at something like ...
by BlueEars
Sun Mar 30, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Why is ordered filled at a split penny price point ?
Replies: 15
Views: 886

Re: How much water do you drink every day?

I know medical advice is a no-no on this forum, but - all that extra water you drink does you zero good. You pee out all the extra water you drink. Your thirst is HIGHLY accurate unless you have kidney disease, and the amount of water you drink will depend both on activity/sweat as well as salt int...
by BlueEars
Fri Mar 28, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2858

Re: explaining the MOM premium

Here's the risk When you get reversals like in March of 2009 MOM gets CRUSHED , losing massive amounts Now the good news is that loss comes from the short side mostly. So being short the small growth stocks in March 2009 means you lost like 100%. But most funds are long only , so you just screen ou...
by BlueEars
Thu Mar 27, 2014 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: explaining the MOM premium
Replies: 25
Views: 3352

Re: Budget app for young adult

Thanks to all who responded. Since it is free and popular, I'll suggest Mint to my son. Hopefully he will give it a try.
by BlueEars
Tue Mar 11, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Budget app for young adult
Replies: 5
Views: 415

Budget app for young adult

I'm wondering if there is an Iphone budget app that I could mention to my son. It would have to be really easy to use. He has the usual young adult expenses like apartment rent, utilities, etc. He would definitely not want something that you had input a lot of data continuously like every $2 item bo...
by BlueEars
Mon Mar 10, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Budget app for young adult
Replies: 5
Views: 415

Re: Is there Software for one's car maintenance schedule

If you are using Excel (or equivalent) you could add to your spreadsheet with conditional formatting. For instance, I have 3 columns for a given car task: the frequency to check, the last time checked and the next to check. The "last time" cell is just a date. Then "next check" c...
by BlueEars
Fri Mar 07, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Is there Software for one's car maintenance schedule
Replies: 49
Views: 3063

Re: Benjamin Graham thinks current S&P valuations are reason

Coincidentally I was looking at the Fed Model a few weeks ago and noticed this is one of the few indicators that was really flashing red before the October 1987 crash. That is, PE1 yield - 10 yr Treasury = -4.6% in Sept 1987 was highly negative at that time. The current value is +2.6%. Moving some ...
by BlueEars
Mon Mar 03, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Benjamin Graham thinks current S&P valuations are reasonable
Replies: 54
Views: 5862

Re: Benjamin Graham thinks current S&P valuations are reason

Coincidentally I was looking at the Fed Model a few weeks ago and noticed this is one of the few indicators that was really flashing red before the October 1987 crash. That is, PE1 yield - 10 yr Treasury = -4.6% in Sept 1987 was highly negative at that time. The current value is +2.6%. Moving some t...
by BlueEars
Mon Mar 03, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Benjamin Graham thinks current S&P valuations are reasonable
Replies: 54
Views: 5862

Re: Cheap reading for a senior - Kindle or regular books?

I have a friend who's a senior and an avid reader. She would like to read a lot of the NYT best sellers but is on tight budget so can't afford buying all of them new. She's also not able to get to the library very easily. I've thought about getting her a Kindle so she could download books from her ...
by BlueEars
Fri Feb 14, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Cheap reading for a senior - Kindle or regular books?
Replies: 43
Views: 2419

Re: Confused by Cell Phone Plans

Thanks DSInvestor. I added an edit to my post because I wanted to make it clear that I'm asking in relation to smartphone mobile use. My future needs as I see them would be for some data like a street map or Yelp restaurant review. Most times I would not look at long video until I get to a wifi sour...
by BlueEars
Wed Feb 05, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Confused by Cell Phone Plans
Replies: 19
Views: 1529

Re: Confused by Cell Phone Plans

When does the speed become an issue? I assume this is only with web use. Is the slower data speed a problem for somewhat static reading like Bogleheads or email? Is the faster speed only really needed for things like video and maybe music? With regard to video, is it only with long videos or are sho...
by BlueEars
Wed Feb 05, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Confused by Cell Phone Plans
Replies: 19
Views: 1529

Re: How do you benchmark your portfolio.

Thanks for the reply Doc. You are lucky to have a Mrs. Doc that asks good questions and even corrects your punctuation. I'm not sure I'd trust you with a 20 year old woman though. :wink:
by BlueEars
Thu Jan 23, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3011

Re: How do you benchmark your portfolio.

So the key is to pick a benchmark that approximates what you are tying to achieve. That is where being an index investor is useful. It is easier to find the appropriate benchmark index in its weighted averages to see how close you are to their returns. If you are close then you are minimizing activ...
by BlueEars
Thu Jan 23, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3011

Re: TAYLOR'S UPCOMING 90th BIRTHDAY

Happy birthday Taylor. And thanks for your very gentlemanly posts of the past (and future).

Les
by BlueEars
Thu Jan 23, 2014 1:12 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Taylor's 90th Birthday
Replies: 272
Views: 12687

Re: How do you benchmark your portfolio.

The intention here is a better look in the mirror. It is all too easy to deceive oneself about their performance. We beat the benchmarks in 2012 and 2013 but lost to them in 2011. The problem that caused me to start this post is that if you have say a three fund portfolio and benchmark against a si...
by BlueEars
Wed Jan 22, 2014 4:06 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3011

Re: El-Erian out at Pimco - WSJ

Why do Bogleheads care? I heard that some BHs secretly own actively managed funds in addition to secretly engage in market timing. :) What makes you think that Bogleheads don't engage openly in active management. Ten out of the 21 taxable bond funds in the house that Jack built are actively managed...
by BlueEars
Wed Jan 22, 2014 3:10 pm
 
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3220

Re: El-Erian out at Pimco - WSJ

I like him. He is fun to listen to, but my gosh, the guy loves to make predictions and for those of us counting, it makes him look stupid. He brilliantly describes *the* scenario that will never happen. He's never even close. Rinse lather repeat. He's not a broken clock, he isn't right twice a day....
by BlueEars
Wed Jan 22, 2014 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: El-Erian out at Pimco - WSJ
Replies: 28
Views: 3220

Re: How do you benchmark your portfolio.

I currently have 2 benchmark alternative portfolios. The first is a passive mix of index funds that have an AA similar to ours. I also add to this FI components that would be present because they are semi-permanently in our portfolio. Thus it becomes a portfolio I could move to if I chose. The secon...
by BlueEars
Wed Jan 22, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: How do you benchmark your portfolio.
Replies: 65
Views: 3011

Re: Calculating the "return" of a bond (GS10)?

Thanks, it looks like the DURATION function in Excel with the same arguments gives the same values.
by BlueEars
Wed Jan 08, 2014 1:35 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the "return" of a bond (GS10)?
Replies: 34
Views: 1071

Re: Calculating the "return" of a bond (GS10)?

That is interesting about duration being a function of the Treasury rates. I imagine it is simple enough that a lookup table could be used. Any ideas how to assemble one for a simple case like the 10year Treasury?
by BlueEars
Wed Jan 08, 2014 12:08 am
 
Forum: Investing - Theory, News & General
Topic: Calculating the "return" of a bond (GS10)?
Replies: 34
Views: 1071

Re: Correct my misunderstanding of funds vs CDs (please)

I think Grayfox brings up some good points. It's true that sometimes information gets rehashed, but I for one do not think this discussion is tiresome. Also, I think having a pragmatic approach to investing is healthy. That's the market economy, people on all sides of an issue. Trying to pin this si...
by BlueEars
Wed Jan 01, 2014 6:54 pm
 
Forum: Investing - Theory, News & General
Topic: Correct my misunderstanding of funds vs CDs (please)
Replies: 33
Views: 2450

Re: International Explorer vs International small cap index

That link didn't work for me.

VINEX has done better then VFSVX this year. Over 5 years they are almost identical. My guess is the EM in VFSVX held it back this year.
by BlueEars
Mon Dec 30, 2013 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: International Explorer vs International small cap index
Replies: 22
Views: 1849

Re: Correct my misunderstanding of funds vs CDs (please)

I'm a bit skeptical that the SEC yield gives a good approximation of a fund's ultimate return for the fund's duration. First, many active bond funds change their duration as they change strategies. Some bond funds change the amount of bonds they have in the various categories (foreign, mortgaged bac...
by BlueEars
Mon Dec 30, 2013 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Correct my misunderstanding of funds vs CDs (please)
Replies: 33
Views: 2450

Re: Correct my misunderstanding of funds vs CDs (please)

I do not think long term brokered CD's are a good idea. Suppose it were 1972 and you bought a 5 year brokered CD. It might be a painful ride. At least with PenFed you could get out of it. With a brokered CD most likely you would have to stick with it. Short term brokered CD's are probably OK. BTW, I...
by BlueEars
Mon Dec 30, 2013 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Correct my misunderstanding of funds vs CDs (please)
Replies: 33
Views: 2450

Re: Commodities Funds: A Decade of Disaster

If you lived through the 1970's, you knew it wasn't just about oil & gold i.e. inflation wasn't just commodity based. Plenty of politics and agendas to go around then. It's very hard to separate out cause and effect.
by BlueEars
Wed Dec 25, 2013 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Commodities Funds: A Decade of Disaster

.... So over the past 10-15 years, this combination of PCRIX, GLD, and REITs has offered a costless insurance policy. Over the last 5 years, when stocks were on fire, the insurance policy cost me a couple dozen basis points. Jim, for most people here wouldn't it be more appropriate to compare a bal...
by BlueEars
Sun Dec 22, 2013 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Commodities Funds: A Decade of Disaster
Replies: 196
Views: 11549

Re: Interesting article about CAPE/ PE10

Also the standard deviation of 10 year earnings (yellow line) has gotten really high in recent years:


Image
by BlueEars
Sat Dec 21, 2013 6:09 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting article about CAPE/ PE10
Replies: 16
Views: 1838

Re: What matters over long haul is factor exposure and expen

Thanks for your reply Robert. It feels like all one can do is buy a ticket to the show and root for one's heroes. In my case they are MV, SV, and then LV.
by BlueEars
Sat Dec 14, 2013 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: What matters over long haul is factor exposure and expense
Replies: 37
Views: 3543

Re: What matters over long haul is factor exposure and expen

. US annualized market, size, and value premiums (%) July 1926 - Oct. 2013 Market premium = 6.1 Size premium = 2.2 Value premium = 4.1 Jan 2003 - Oct. 2013 Market premium = 8.0 Size premium = 4.0 Value premium = 1.6 Looking at Vanguard data (MSCI indexes and then CRSP recently) for Jan 2003- Nov 20...
by BlueEars
Fri Dec 13, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: What matters over long haul is factor exposure and expense
Replies: 37
Views: 3543

Re: trend following

Data speaks for itself. This is TSM for commodity, equity, bond and currencies with little correlations to traditional asset classes I may be the only one not following a lot of this. What is TSM (assuming it is not Total Stock Mkt)? What is the data in your chart saying? We have not all read the p...
by BlueEars
Fri Dec 06, 2013 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 72
Views: 3531

Re: trend following

...(snip)... This graph is a bit of cheap shot against momentum investing, but it's at least an interesting cheap shot. If I cover up the forward chart and move my hand to the right, the chart seems to diverge from the previous data around 2008. So is this just a reflection that momentum did not do...
by BlueEars
Thu Dec 05, 2013 8:10 pm
 
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 72
Views: 3531

Re: trend following

Just a little more noise for thought... http://www.google.co.uk/trends/explore#q=stock%20bubble&cmpt=q ... Interesting link, thanks. Click on a region like United States and you see the states that rank highest. New Jersey and New York are tops, California is up there too. Probably no way to no...
by BlueEars
Wed Dec 04, 2013 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: trend following
Replies: 72
Views: 3531

Re: Stock investing and the fear of flying

...(snip)... Why do so many people believe there is long-term risk in the stock market when there hasn’t been any? I'm a long time equity investor. I would add one word to the sentence: There hasn't been any real long-term risk yet . On the other hand, the 1930's on into the WW2 years were kind of ...
by BlueEars
Wed Dec 04, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Stock investing and the fear of flying
Replies: 57
Views: 3077

Re: Foreign Stocks For The Long Run

Since 1970, the dollar has declined versus most major currencies except the British Pound. This helped the return of foreign stocks relative to US stocks, yet they still underperformed over the 43 year period. Rick Ferri That is exactly the sort of thing I was going to mention -- the currency issue...
by BlueEars
Wed Dec 04, 2013 12:13 pm
 
Forum: Investing - Theory, News & General
Topic: Foreign Stocks For The Long Run
Replies: 63
Views: 4946

Re: Math question about Rick Ferri's efficient frontier curv

Rick Ferri wrote:FWIW, I used monthly index return data and rebalanced annually in January. There were no fees included in the analysis.

My intent was to show that 30% in international stocks is a reasonable allocation. I see nothing in the above posts that refute this idea.

Rick Ferri
Nice article Rick, thanks.
by BlueEars
Wed Dec 04, 2013 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Math question about Rick Ferri's efficient frontier curve
Replies: 45
Views: 2896

Re: Investor Intelligence Bearish Sentiment Very Low

Very cool, thanks for showing us this PriceOfFreedom. Just eyeballing this chart, it kind of looks like some key lows just show a continuing rising equity market afterwords. I'm referring to the points like: around the 1992 low, the mid-2003 low, early 2010 low. Of course, there are other points whi...
by BlueEars
Sun Dec 01, 2013 5:32 pm
 
Forum: Investing - Theory, News & General
Topic: Investor Intelligence Bearish Sentiment Very Low
Replies: 26
Views: 2837

Re: Canon S110 Digital Camera - $219

Maybe I'm wrong but I bought this Canon Elph 330 for my wife for Xmas. At Amazon it is currently 129 to 169 depending on color.
Seems like much better price and quite good specs (10x zoom, wifi)

Let me know please if I made a mistake.
by BlueEars
Sun Dec 01, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Canon S110 Digital Camera - $219
Replies: 19
Views: 1200
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