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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: 6841

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: 1793

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: 1793

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: 6841

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: 4261

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: 1836

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: 2073

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: 4261

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: 3585

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: 1680

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: 3585

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: 6040

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: 3585

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: 1383

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: 1383

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: 3674

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: 3674

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: 3674

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: 4601

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: 858

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: 858

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: 1677

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: 1677

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: 5236

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: 1254

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: 8517

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: 418

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: 418

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: 8517

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: 5065

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: 8517

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: 22269

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: 948

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: 948

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: 948

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: 948

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: 3445

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: 3816

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: 451

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: 451

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: 3674

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: 7157

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: 7157

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: 2877

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: 1597

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: 1597

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: 3252

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: 3252

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: 22054
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