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Re: online shopping for laptop PC

I am going to buy a laptop for my son soon. What I've found helpful is to go to BestBuy.com and look at what the purchaser review profiles are like. For instance, if it is a good seller there might be 100+ reviews. You don't want too many in the 1 star category and most in the 4 or 5 star. Then you ...
by BlueEars
Tue Oct 21, 2014 11:20 am
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1314

Re: how do I find out PE10 of foreign stock markets?

http://www.researchaffiliates.com/AssetAllocation/Pages/Equities.aspx Research Affiliates is now giving CAPE ratios for 25 national stock markets, along with their estimates of expected return. Mebane Faber generously provided the link in his blog. Thanks for mentioning this link. When I downloaded...
by BlueEars
Sat Oct 18, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: how do I find out PE10 of foreign stock markets?
Replies: 80
Views: 14012

Re: Pimco Total Return - Keep or Sell

....(snip)... I don't know much about the leadership team at PIMCO ex-Gross. Some institutions are known for their teams (e.g., TRP), while others are one-person ponys. Which one is PIMCO? Thoughts? I don't think anyone is likely to have a great answer for this one. If there are no tax consequences...
by BlueEars
Fri Sep 26, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2390

Re: Pimco Total Return - Keep or Sell

From M* the 1 year performance numbers are:

4.63% BOND, Pimco Total Return ETF
3.68% PTTRX, Pimco Total Return
3.98% Barclays US Agg Bond
4.00% VBTLX, Vanguard Total Bond Mkt admiral
5.75% DODIX, Dodge and Cox Income fund
by BlueEars
Fri Sep 26, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2390

Re: Pimco Total Return - Keep or Sell

BOND is one of my only two active holdings. It has done quite well since I bought it so no regrets. However, I've sold it this morning. Never have seen anything quite happen like this (in my portfolio) in all my investment years. For me there are no tax consequences and holding the ETF I can just se...
by BlueEars
Fri Sep 26, 2014 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Pimco Total Return - Keep or Sell
Replies: 28
Views: 2390

Re: The Case Against Mid Caps? (Say it ain't so!)

It ain't so :!: DFA's "large-cap" funds look a lot more like mid-cap funds than large-cap funds. I found it interesting that in his latest book Bill Bernstein recommends slice and dicers use mid-cap index funds for their large-cap allocations. I think a few Bogleheads have been doing what...
by BlueEars
Sat Sep 20, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: The Case Against Mid Caps? (Say it ain't so!)
Replies: 23
Views: 2633

Re: plan ahead

davebarnes wrote:8GB
It is only $100 more.

Starting to feel like the straw that is breaking the camel's back, i.e. for my purposes as a present. Odd that Apple chooses to not make memory size upgradeable.
by BlueEars
Thu Sep 18, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Proposed: 35% Maximum Bond Allocation, For Life

FWIW, I'm retired and currently at 65/35. Feels comfortable currently. In the 2008 decline we were at 55/45 going into it. I spent from the FI. Thankfully that tortorous journey was not 15 years. Did not rebalance until markets were moving upward (beginning of July 2009). I still think that rebalanc...
by BlueEars
Wed Sep 17, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Proposed: 35% Maximum Bond Allocation, For Life
Replies: 37
Views: 3799

Re: Macbook Air; how much RAM?

The reason RAM upgrades have traditionally been recommended on computers in general is that, when you run out of RAM, the system uses the hard disk as "extra" RAM, which is significantly and very noticeably slower than RAM. I'm sure everyone has fond memories of trying to do something tax...
by BlueEars
Wed Sep 17, 2014 11:19 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3276

Re: Are Mid Caps the NEW Small Caps

One poster pointed out that Vanguard's LV fund has a negative size loading. So he added more midcaps (probably MV) to reduce that effect. I personnally have a high percentage in MV. For me, 20 years of good data gives me some confidence it might repeat for awhile longer. But I'm willing to change wi...
by BlueEars
Wed Sep 10, 2014 10:52 pm
 
Forum: Investing - Theory, News & General
Topic: Are Mid Caps the NEW Small Caps
Replies: 15
Views: 1740

Re: Drought-tolerant Rosemary

I like Rosemary too. Since we are in an oak woodlands area it grows nicely here. However, I've heard it is somewhat of a fire hazard so won't put too much of it in the yard. It's a challenge to find plants that are drought tolerant, strongly deer resistant, and fire safe. This link has a listing of ...
by BlueEars
Sun Sep 07, 2014 11:18 pm
 
Forum: Personal Consumer Issues
Topic: Drought-tolerant Rosemary
Replies: 5
Views: 599

Re: Recommendations for Cordless Phone System for Home?

Bought that Panasonic above. Works great so far. I recommend buying one extra phone then you need in case one flakes out in a couple of years.
by BlueEars
Fri Aug 29, 2014 11:05 pm
 
Forum: Personal Consumer Issues
Topic: Recommendations for Cordless Phone System for Home?
Replies: 14
Views: 1157

Re: High School Reunions--Have you attended?

My 10th was several years ago. Despite constant email and facebook hounding for a year, I did not attend, even though it was free. I didn't like those jerks and the way they treated me back then, I sure as heck don't like them now. Yep, humans can be cruel. Even Bogleheads. What if we were all requ...
by BlueEars
Sun Aug 03, 2014 9:44 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5395

Re: High School Reunions--Have you attended?

HS reunion? No way.

I did enjoy the flick: Romy and Michele's High School Reunion
by BlueEars
Sun Aug 03, 2014 5:03 pm
 
Forum: Personal Consumer Issues
Topic: High School Reunions--Have you attended?
Replies: 79
Views: 5395

Re: Wall Street Journal Subscription Increase

macaroon wrote:If you have some stray expiring airline miles that you'll never use, you can get 304 issues of the WSJ for around 3200 miles. Sure beats wasting the FF miles! I think the website to do this is magsformiles.com

Just did this a few days ago.
by BlueEars
Fri Jul 25, 2014 11:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2419

Re: Retired Bogleheads want to relocate to California

Living right next to the beach is pretty cool but can have its drawbacks. Two I can think of are salt air corrosion and tsunamis. For us it takes maybe 1/2 hour to get to the beach on a beautiful country road through wine country. To find a really good location, good for your lifestyle, requires som...
by BlueEars
Mon Jun 23, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7235

Re: Best Battery Charging Strategy

Easy Rhino wrote:my newish moto x actually scolded me for letting my battery run too low and recommend daily charging and even leaving it plugged in overnight. So that was a surprise. the scolding, I mean.

sounds like the designers included
good usage information.
by BlueEars
Sun Jun 22, 2014 8:03 pm
 
Forum: Personal Consumer Issues
Topic: Best Battery Charging Strategy
Replies: 20
Views: 1838

Re: Best Battery Charging Strategy

Lifespan (a more accurate term is capacity span) has been measured to be 50% higher if you discharge to 50% capacity and slightly better down to about 40%, where it starts to get worse again. For example, a 0% to 100% charge may get 500 cycles, a 90% to 100% charge may get 4750 charges, but a 50% -...
by BlueEars
Sun Jun 22, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: Best Battery Charging Strategy
Replies: 20
Views: 1838

Re: Retired Bogleheads want to relocate to California

Have lived in California for 60+ years. Road the Silicon Valley real estate market but now live in Sonoma County. What about renting a house? You are older now (like me :happy ). Renting could give you some real flexibility but I haven't looked at the economics of it. There are small coastal communi...
by BlueEars
Sun Jun 22, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Retired Bogleheads want to relocate to California
Replies: 109
Views: 7235

Re: Forums like Bogleheads, for Life ?? (other aspects)

VictoriaF wrote:...
Reserved, dull, and conformist.

Victoria

Maybe you indulge in hyperbole just a bit? ;-)
by BlueEars
Fri Jun 20, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 5457

Re: when the rubber hits the road

...(snip)... What is, is. My goal is what you in actuality versus what you would do think you will do once the rubber hits the road versus what you think you will do. The reality hits I take it that you want concrete actions that we would do or have done. Here is what I have done: 1) Set up a revoc...
by BlueEars
Thu Jun 19, 2014 12:11 am
 
Forum: Personal Finance (Not Investing)
Topic: when the rubber hits the road
Replies: 19
Views: 1925

Re: Poll: Do you receive compensation for financial advice?

I asked my wife to pay me but she said "No thanks". So I'm working at this financial stuff for free. :happy
by BlueEars
Wed Jun 18, 2014 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you receive compensation for financial advice?
Replies: 29
Views: 2167

Re: Forums like Bogleheads, for Life ?? (other aspects)

LadyIJ wrote:http://www.early-retirement.org/ - was looking at this before I found bogleheads. of course, Bogleheads is the best, and I do think there's plenty of "life" advice to be found.

+1 ...am on here quite a bit. Look for the blue rabbit.
by BlueEars
Wed Jun 18, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Forums like Bogleheads, for Life ?? (other aspects)
Replies: 56
Views: 5457

Re: Reading Bernstein: Is value overvalued?

Here is another way of looking at growth versus value. They seem to irregularly trade places:

Image

Trend following growth versus value would have been a good strategy in the 1999 to 2003 period. Easy to see in the rear view mirror.
by BlueEars
Sun Jun 15, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Bernstein: Is value overvalued?
Replies: 38
Views: 3734

Re: Do Day traders evidence skill

http://seekingalpha.com/article/2265943-do-day-traders-evidence-skill?v=1402591848 And in games of skill you not only need skill but you need more skill than the competition, which is not individuals like in sports or chess but the collective wisdom of the market, much tougher competitor Larry The ...
by BlueEars
Sun Jun 15, 2014 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: Do Day traders evidence skill
Replies: 12
Views: 1758

Re: Reading Bernstein: Is value overvalued?

We saw a big divergence in growth/value in the 2000 time period. But in recent years growth and value seem to have done about the same. Here is a 22 year chart that illustrates what I'm referring to (for large caps): Valuation is one thing and returns are another though right? ... Just me but I wou...
by BlueEars
Sun Jun 15, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Bernstein: Is value overvalued?
Replies: 38
Views: 3734

Re: A Look at Current P/E Ratios

Here is a few years of Vanguard data:

Image
by BlueEars
Sun Jun 15, 2014 5:35 pm
 
Forum: Investing - Theory, News & General
Topic: A Look at Current P/E Ratios
Replies: 54
Views: 7055

Re: Reading Bernstein: Is value overvalued?

It's probably also worth looking at other metrics. The Russell 3000 Value trades at 20.98 times earnings while 3000 Growth trades at 25.65. I don't know how that compares to history, but it doesn't seem like a huge gap. Good point. I'll take a look at French's earnings breakpoint series and report ...
by BlueEars
Sun Jun 15, 2014 5:12 pm
 
Forum: Investing - Theory, News & General
Topic: Reading Bernstein: Is value overvalued?
Replies: 38
Views: 3734

Re: Is LTE needed? Depends on the carrier I guess.

Now I'm confused by what is meant by LTE? Is it data or data+voice ? LTE, in its current implementation, is all about data. In the future, this might change (voice becoming voice-over-IP), but we're not there yet. If you only use data via WiFi, then you have no use for LTE (and its drain on the bat...
by BlueEars
Fri Jun 13, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Is LTE needed? Depends on the carrier I guess.
Replies: 17
Views: 1491

Re: Is LTE needed? Depends on the carrier I guess.

Now I'm confused by what is meant by LTE? Is it data or data+voice ? I'm interested because I turn off the data to use wifi (when available). From above comments this apparently also extends battery life. Maybe this is all I have to do to get the better battery life? Would battery life be further ex...
by BlueEars
Thu Jun 12, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Is LTE needed? Depends on the carrier I guess.
Replies: 17
Views: 1491

Re: New Google Moto-E smartphone for $129

Amazon says June 3 availability for the Moto g with LTE at $219.
by BlueEars
Fri May 16, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 3988

Re: New Google Moto-E smartphone for $129

From what I have read, it does seem that not having LTE is a drawback when needing to access web data. Thoughts on this ? Yes, depending on what you're using the data for. Most LTE plans are either expensive or limited or both. Low cost 3G plans or pay as you go are available, and by nature of usag...
by BlueEars
Fri May 16, 2014 9:11 am
 
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 3988

Re: New Google Moto-E smartphone for $129

From what I have read, it does seem that not having LTE is a drawback when needing to access web data. Thoughts on this ?
by BlueEars
Thu May 15, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: New Google Moto-E smartphone for $129
Replies: 42
Views: 3988

Re: Computer security -- a paradigm shift?

You obviously have to pick the right corporation with whom to entrust your data. Maybe I haven't quite woken up this morning (8:30am PST) but isn't the true data just login's and passwords? My banks and Vanguard house the critical data. I doubt the hackers want to steal my spreadsheets although I'm...
by BlueEars
Tue May 06, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4837

Re: Black & Decker Batteries

FWIW, I just purchased a new B&D drill that uses a 20v Lithium battery. Works really great and only $80 now: http://www.amazon.com/gp/product/B008YSHD0K/ref=oh_details_o00_s01_i01?ie=UTF8&psc=1 Other B&D cordless units have worked out well for me. I'll keep that in mind. My current batt...
by BlueEars
Mon May 05, 2014 1:26 pm
 
Forum: Personal Consumer Issues
Topic: Black & Decker Batteries
Replies: 7
Views: 897

Re: Black & Decker Batteries

FWIW, I just purchased a new B&D drill that uses a 20v Lithium battery. Works really great and only $80 now: http://www.amazon.com/gp/product/B008YSHD0K/ref=oh_details_o00_s01_i01?ie=UTF8&psc=1

Other B&D cordless units have worked out well for me.
by BlueEars
Mon May 05, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Black & Decker Batteries
Replies: 7
Views: 897

Re: Do you overweight International Small?

M* shows Vinex as mid blend, not small. ER=0.36% . It's my only international currently. 'Tis true, but there isn't much difference in market cap between the two Vanguard funds. VSS is 1.57b USD median market cap, VINEX 1.87b. For comparison, Vanguard Small-Cap Index (NAESX) has a median market cap...
by BlueEars
Fri May 02, 2014 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Do you overweight International Small?
Replies: 32
Views: 1766

Re: Do you overweight International Small?

M* shows Vinex as mid blend, not small. ER=0.36% .

It's my only international currently.
by BlueEars
Thu May 01, 2014 11:44 pm
 
Forum: Investing - Theory, News & General
Topic: Do you overweight International Small?
Replies: 32
Views: 1766

Re: Malwarebytes Anti-malware advises it will expire shortly

FWIW, some years ago I purchased a Malwarebytes license for $25 (I think it was annual). They've never asked me to renew it. Seems like cheap insurance and I almost never purchase software.
by BlueEars
Mon Apr 28, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-malware advises it will expire shortly
Replies: 22
Views: 5412

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: 16
Views: 1362

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: 12740

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: 428

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: 428

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: 12740

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: 44
Views: 5669

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: 12740

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: 27576

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: 970

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: 970

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: 970
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