Search found 4482 matches

by Browser
Thu Jul 30, 2015 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4013

Re: Could John Bogle Be Right About International Stock?

I am not saying that there is no currency risk. But is it a risk that matters? Currency risk is not about the change in currency prices. Most of the change between currency prices are driven by different rates of inflation. From an investor viewpoint this predicable, boring, and does not have any e...
by Browser
Thu Jul 30, 2015 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: So you think 2-factor authentication is safe? Think again.
Replies: 8
Views: 1021

So you think 2-factor authentication is safe? Think again.

It turns out that hackers can defeat your two-factor authentication too, and re-direct your one-time security code text messages to themselves. This can happen if your cellphone service provider does not have two-factor authentication themselves because that's the weak spot. Raise your hand if this ...
by Browser
Thu Jul 30, 2015 5:19 pm
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 970

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

Then there's the old Kingfish restaurant down on the Ohio. Not the newest or the best maybe, but lots of fishy and fried stuff, not pricey, and a good eating place for kids. Here's the view:

Image
by Browser
Thu Jul 30, 2015 2:49 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4013

Re: Could John Bogle Be Right About International Stock?

Of course to be fully accurate, Bogle doesn't say you should avoid foreign stocks completely. Invest in them if you must, but no more than 20% of your equity allocation he says. So perhaps the argument boils down to which number between 20% and 50% seems comfortable to you.
by Browser
Thu Jul 30, 2015 2:46 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD (Vehicle)

Yes. I second the thanks to posters. As I stated upthread this thread has helped me to confirm that all I will need in a new vehicle is FWD -- even if the dealers are stuffing their lots with AWD and pushing customers to buy them. I once had a Honda Accord with FWD and remember one winter in which I...
by Browser
Thu Jul 30, 2015 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4013

Re: Could John Bogle Be Right About International Stock?

U.S. investors who are spending down their portfolios are spending their money in U.S. dollars and should avoid currency risk, IMO. Since global investing exposes one to currency risk, it's probably not as good an idea for retirees as it might be for accumulators. I am going to have to disagree. Eq...
by Browser
Thu Jul 30, 2015 12:05 pm
Forum: Investing - Theory, News & General
Topic: Everybody is sick of gold - Is now the time to buy??
Replies: 5
Views: 555

Everybody is sick of gold - Is now the time to buy??

I just saw this headline: "Investors are sick of gold -- so NOW is the time to buy". Is it really? Thought I'd take a trip down memory lane. Over the last four years, gold has lost 43% since the peak in August, 2011. From the last notable peak in gold prices in 1980, gold lost 46% of it's ...
by Browser
Thu Jul 30, 2015 11:23 am
Forum: Investing - Help with Personal Investments
Topic: Could John Bogle Be Right About International Stock?
Replies: 52
Views: 4013

Re: Could John Bogle Be Right About International Stock?

We always have discussions that don't distinguish between accumulation investors and investors who are living off their portfolio. U.S. investors who are spending down their portfolios are spending their money in U.S. dollars and should avoid currency risk, IMO. Since global investing exposes one to...
by Browser
Thu Jul 30, 2015 9:15 am
Forum: Personal Finance (Not Investing)
Topic: Auto insurance rates are based on your credit score
Replies: 4
Views: 631

Auto insurance rates are based on your credit score

News report on CBS that your auto insurance rates are based more on your credit score than your driving record. This is because people with higher credit scores may be less likely to file claims, not because they may be better drivers. So I guess if you want better rates you should spend more time b...
by Browser
Thu Jul 30, 2015 9:02 am
Forum: Personal Consumer Issues
Topic: Here's another one I just looked at - VW Tiguan
Replies: 7
Views: 681

Re: Here's another one I just looked at - VW Tiguan

I checked Consumer Reports 2015 Annual Auto Issue and they list the VW Tiguan SEL as the most expensive small SUV to own over 5 years, and the Passat SEL listed as the most expensive midsized sedan. Costs are based on depreciation, fuel, loan interest, insurance, sales tax and maintenance and repair...
by Browser
Wed Jul 29, 2015 6:15 pm
Forum: Personal Consumer Issues
Topic: Here's another one I just looked at - VW Tiguan
Replies: 7
Views: 681

Here's another one I just looked at - VW Tiguan

I've added the Volkswagen Tiguan to my growing list of contenders for a new car buy. Seeking opinions, comments from Tiguan owners and shoppers. What do you think of this one?
by Browser
Wed Jul 29, 2015 5:38 pm
Forum: Investing - Theory, News & General
Topic: A look at gold and Peter Schiff's forecasts
Replies: 11
Views: 1191

Re: A look at gold and Peter Schiff's forecasts

I'm shocked that nobody (including Schiff) seems to be able to make accurate predictions about gold and a lot of other stuff. :oops:
by Browser
Wed Jul 29, 2015 5:26 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 42
Views: 2469

Re: Mandatory vehicle collision avoidance systems are coming

The robotic cars are coming! In 10 years I predict: 1. There will be no more taxi drivers, truck drivers, DMV, or traffic lights/regulations. 2. People won't even own cars anymore (no more car loans or dealerships). All cars will be owned and operated by centralized taxi services. If you want to go...
by Browser
Wed Jul 29, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 42
Views: 2469

Re: Mandatory vehicle collision avoidance systems are coming

The NTSB has called for collision avoidance systems to be included in new vehicles at no additional cost to buyers. I just drove a 2016 Honda Pilot and learned that even the base model of this vehicle includes forward collision mitigation as standard equipment. Surprised and pleased, considering th...
by Browser
Tue Jul 28, 2015 7:44 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 42
Views: 2469

Re: Mandatory vehicle collision avoidance systems are coming

Great, more 'nannies' to deal with! :annoyed Try getting on a freeway ramp with my Tundra - the stupid thing has alarms going off, the antilock brakes start shattering (anti roll mechanism), passengers freak out. And of course I'm nowhere near rolling over or losing traction, not even "spririt...
by Browser
Tue Jul 28, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: Mandatory vehicle collision avoidance systems are coming
Replies: 42
Views: 2469

Mandatory vehicle collision avoidance systems are coming

The NTSB has called for collision avoidance systems to be included in new vehicles at no additional cost to buyers. I just drove a 2016 Honda Pilot and learned that even the base model of this vehicle includes forward collision mitigation as standard equipment. Surprised and pleased, considering tha...
by Browser
Tue Jul 28, 2015 4:17 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD (Vehicle)

But the next time I'm driving in the Alaskan Cross Country Winter Auto Race, I'll be sure to use a Subaru with winter tires. :thumbsup If you really, really want/need to drive in the snow and slush, that would be the setup - a Subaru with winter tires. I lived in Flagstaff once, and it was a State ...
by Browser
Tue Jul 28, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

What does the Mr. Number app do for you that the inbuilt "add to auto reject list" feature does not? The latter is still working for me under Android 5.0; hopefully 5.1 won't break it. Not familiar with that, but sounds like you have to create a list of specific phone numbers to be "...
by Browser
Tue Jul 28, 2015 4:08 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD (Vehicle)

I must say that after seeing the linked articles and videos it's clear as crystal to me that I'd be better off saving the $1500 or so added markup for an AWD vs. FWD and putting it toward a good set of winter tires instead. The AWD wouldn't be worth much until I put winter tires on it too so I'm up ...
by Browser
Tue Jul 28, 2015 11:15 am
Forum: Investing - Theory, News & General
Topic: Another look at dividend paying stocks
Replies: 39
Views: 3536

Re: Another look at dividend paying stocks

Maybe dividend investing has something to do with a preference for a "bird in the hand" (dividends) rather than a "bird in the bush" (hoped-for capital gains)? Maybe also it has to do with management having an obligation to share some of their profits with the actual owners of th...
by Browser
Tue Jul 28, 2015 11:09 am
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD (Vehicle)

Can anyone explain just what an AWD vehicle actually does for you? I can see it if you are slogging offroad through mud or snow where having some power to both front and rear might help you get unstuck or where I'm crawling over big rocks. I can see it in vehicles like Audi quattro where things like...
by Browser
Tue Jul 28, 2015 8:41 am
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1952

Re: Edelman -- best days, worst days

Most of the “missing out” calculations show missing only the best days. Those analyses cover only a decade or two. I examined monthly data as far back as 1871 and daily data from1942 to present. I used the S&P500 total return index with dividend reinvestment. I considered three scenarios, namel...
by Browser
Tue Jul 28, 2015 8:27 am
Forum: Investing - Theory, News & General
Topic: Another look at dividend paying stocks
Replies: 39
Views: 3536

Re: Another look at dividend paying stocks

I guess folks can disagree and find data to support their point of view: The returns of the S&P 500 Dividend Aristocrat Index and the S&P 500 Index since 1990 are compared below. At average annual outperformance of 2.62% per annum since 1990, the alpha generated by this strategy is robust. h...
by Browser
Tue Jul 28, 2015 7:00 am
Forum: Investing - Theory, News & General
Topic: Another look at dividend paying stocks
Replies: 39
Views: 3536

Re: Another look at dividend paying stocks

Do the comparisons of div and non-div stocks take account of re-invested dividends in the total returns? I always thought that reinvested dividends were one of the most important drivers of historical equity total returns. And also it seems to be that the volatility and drawdowns of div stocks ought...
by Browser
Tue Jul 28, 2015 6:50 am
Forum: Personal Consumer Issues
Topic: Visiting Northern Kentucky / Mammoth Cave area with kids
Replies: 19
Views: 970

Re: Visiting Northern Kentucky / Mammoth Cave area with kids

And you can always take a short riverboat ride on the Ohio out of Louisville and have lunch.
by Browser
Tue Jul 28, 2015 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Help--> Buying car from private seller
Replies: 13
Views: 1045

Re: Help--> Buying car from private seller

Agree on Carfax not always reporting everything. Had my car evaluated at Carmax to sell it to them. They ran the carfax and it didn't report that I had been rear-ended previously and the damage repaired. Don't know why that didn't show up since work was done by a reputable bodyshop, but it didn't. A...
by Browser
Mon Jul 27, 2015 10:18 pm
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 73
Views: 3152

Re: FWD vs AWD (Vehicle)

You might want to consider how much power is transferred from front to rear wheels in you AWD vehicle, unless it is full time 4WD. For example, many AWD vehicles transfer less than 50% of the power to the rear wheels when they kick in. That might help a little bit in slippery conditions, but for my ...
by Browser
Mon Jul 27, 2015 2:26 pm
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

For those interested, here is the official word I just got from Mr. Number support: We apologize that the hang up option is not working for you. With the update to Android 5.0 (Lollipop), Android is not allowing hang up options for caller ID/call blocking apps. Unfortunately, this means that having ...
by Browser
Mon Jul 27, 2015 2:06 pm
Forum: Personal Consumer Issues
Topic: Zion, Bryce, Grand Canyon Late March
Replies: 34
Views: 1727

Re: Zions, Bryce, Grand Canyon Late March

Take your parkas. March can be kinda chilly and even snowy where you're planning on going. Grand Canyon is over 7000 feet altitude, you know. North Rim is closed until May so you would have to go to the South Rim.
by Browser
Mon Jul 27, 2015 11:43 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3018

Re: Is the commodity implosion foretelling a stock market crash?

Well, the real question is how this is actionable. Anyone who can predict in advance what the stock market (meaning primarily for most of us, the U.S. stock market) will do in light of commodity price changes (or anything else) can become unimaginably wealthy. There are multiple extrinsic variables...
by Browser
Mon Jul 27, 2015 9:29 am
Forum: Investing - Theory, News & General
Topic: Should you invest in currency-hedged foreign stock funds?
Replies: 3
Views: 199

Re: Should you invest in currency-hedged foreign stock funds?

Here's a Vanguard paper saying the reverse. Currency management: Considerations for the equity hedging decision https://personal.vanguard.com/pdf/icrcmc.pdf When an investor’s primary motivation is risk management of a global-equity portfolio, applying portfolio theory implies adjusting the currenc...
by Browser
Mon Jul 27, 2015 9:28 am
Forum: Investing - Theory, News & General
Topic: Should you invest in currency-hedged foreign stock funds?
Replies: 3
Views: 199

Re: Should you invest in currency-hedged foreign stock funds?

At no time before the last nano-second do I remember such a proliferation of the "factor investing" thesis either, except for the notion that investing in "small" and "value" stocks was a good idea - but it wasn't called "factor investing" back then. So, does ...
by Browser
Mon Jul 27, 2015 9:01 am
Forum: Investing - Theory, News & General
Topic: Should you invest in currency-hedged foreign stock funds?
Replies: 3
Views: 199

Should you invest in currency-hedged foreign stock funds?

Position paper from Tweedy, Browne regarding the returns of currency hedged vs. unhedged foreign stocks. They basically conclude that volatility-adjusted returns to U.S. investors are superior with currency hedging: In summary, over long measurement periods, studies have generally indicated that the...
by Browser
Mon Jul 27, 2015 8:30 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3018

Re: Is the commodity implosion foretelling a stock market crash?

Well, it looks like the commodity implosion foretold the Chinese stock market crash at any rate. Down about 27% from previous high, 8% drop today. Coming to a theater near you?
by Browser
Sun Jul 26, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1952

Re: Edelman -- best days, worst days

Livesoft wrote: I'm chuckling about the linked Adam Grimes article dated Oct 15, 2015 I'm chuckling too. Oct 15, 2015 . Timing and prediction at it's finest. :happy Paul Not sure what point is being made with point examples. If we're playing that game, let's look at Oct 1, 2008 where we would have ...
by Browser
Sun Jul 26, 2015 1:24 pm
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3018

Re: Is the commodity implosion foretelling a stock market crash?

gkaplan wrote:In the words of that great philosopher, Roseanne Roseannadanna, "It's always something," or to state in other way, my own way, "This is one more thing for me to ignore."

Image
by Browser
Sun Jul 26, 2015 1:17 pm
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1952

Re: Edleman -- best days, worst days

Not only are the best days and the worst days close together in time, but they tend to occur when the market is already downtrending. That's because the market tends to be more volatile when it's going down than when it's going up. If fact, a large proportion of the best and worst days have occurre...
by Browser
Sun Jul 26, 2015 11:24 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

I rarely get spam calls, so I didn't realize that Mr. Number wasn't working properly with the Lollipop update. I've been busy with an issue between Google Play Services and my Battery Saver thanks to the Lollipop update. But, that's another story. Have you looked at the WhitePages Caller ID and Blo...
by Browser
Sun Jul 26, 2015 11:06 am
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1952

Re: Edleman -- best days, worst days

Not only are the best days and the worst days close together in time, but they tend to occur when the market is already downtrending. That's because the market tends to be more volatile when it's going down than when it's going up. If fact, a large proportion of the best and worst days have occurred...
by Browser
Sun Jul 26, 2015 10:39 am
Forum: Investing - Theory, News & General
Topic: Edelman -- best days, worst days
Replies: 26
Views: 1952

Re: Edleman -- best days, worst days

I'm not a big fan of Ric Edelman, but this short article makes a good point. In the four years ending Dec. 31, 2014 the stock market earned 13% a year. Those four years covered over 1000 days of trading. If you had missed the best 14 days, your return would have been zero! If you missed the worst 1...
by Browser
Sun Jul 26, 2015 8:31 am
Forum: Investing - Theory, News & General
Topic: Is the commodity implosion foretelling a stock market crash?
Replies: 28
Views: 3018

Is the commodity implosion foretelling a stock market crash?

Over the last 12 months, the Bloomberg Commodity Index has absolutely fallen out of bed. It has lost over 25% in the last 12 months alone and is now actually lower than it was at the bottom of the 2008 market crash, and has not been this low since 2002. There is a dramatic discrepancy between the pr...
by Browser
Sat Jul 25, 2015 11:05 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

And I found this: I used to use MR NUMBER app to get the calls blocked and hung up. Seems to be the latest thing that doesnt work with Lolliop because now the phone still rings and it goes to voice mail. MR NUMBER says this is an Android feature and you can no longer block and hang up on people . TH...
by Browser
Sat Jul 25, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

From some recent reviews on Playstore of Mr Number: Doesn't work right anymore Used to pick up and hang up calls on block list. Now it just let's them ring continuously. Please fix. Samsung galaxy s4. I'm now seeing this is a common issue. Not working Calls use to be blocked but were still able to l...
by Browser
Sat Jul 25, 2015 8:24 am
Forum: Investing - Help with Personal Investments
Topic: going to cash
Replies: 33
Views: 4793

Re: going to cash

If you're worried about rising interest rates and bonds, then go to CDs or a bond ladder. I went to a "no bonds" portfolio and moved my fixed income allocation to credit union CDs.
by Browser
Sat Jul 25, 2015 8:18 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

I've been using Mr. Number for several years. I upgraded to a Galaxy S6 about two weeks ago and it works normally on it with the latest Android version. Strange. Are you using 5.1? On my phone all the call blockers now do is to silence the ring for blocked numbers. Otherwise, those calls are just l...
by Browser
Fri Jul 24, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

I realize I'm having this conversation with myself, but in case some random person reads this thread I've tried a bunch of different call blockers and done a lot of searching on the internet. None of the call blockers does anything but silence the ring for blocked calls. They are then sent to voicem...
by Browser
Fri Jul 24, 2015 9:25 am
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Re: Anyone using Mr Number cellphone call blocker? Stopped working

I think the problem has to do with upgrading my OS to Android 5.1. Mr Number seemed to work OK with KitKat. In searching for solutions, I ran across some posts that Mr Number actually leaks your phone number to the internet. Sounds weird, but interestingly I got two strange calls from France and Cyp...
by Browser
Thu Jul 23, 2015 6:21 pm
Forum: Personal Consumer Issues
Topic: Anyone using Mr Number cellphone call blocker? Stopped working
Replies: 15
Views: 1413

Anyone using Mr Number cellphone call blocker? Stopped working

Thought I finally had my spoof call spamming under control on my cellphone using Mr Number app. But it has up and stopped working. All it does is kill the ringtone but the "blocked" spam calls are getting through again. Can't find a replacement app that allows me to handle blocked calls in...
by Browser
Thu Jul 23, 2015 11:50 am
Forum: Personal Consumer Issues
Topic: Is there a service that will email you with each credit card purchase?
Replies: 34
Views: 2059

Re: Is there a service that will email you with each credit card purchase?

I use the alerts with my US Bank Visa Card. Something has always puzzled me. When paying my bill with the card, I immediately get notification of the charge. However, this doesn't include the tip, which I add before signing the receipt - making the final amount larger. So, how is it that the initial...

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