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Re: Asness - The Small-Firm Effect Is Real, and It’s Spectac

Don't active managers try to buy "high quality stocks?" How has that turned out?
by Browser
Sat Jan 24, 2015 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Asness - The Small-Firm Effect Is Real, and It’s Spectacular
Replies: 19
Views: 2236

Re: Google Chrome: is this a mega security problem?

Bit of a problem using 2FA on my laptop. I have been using the Windows Live Mail client to retrieve my gmail emails. I have several email accounts and this is much more convenient than logging into each one individually. Unfortunately, I discovered that Live Mail won't work when 2FA is activated. N...
by Browser
Fri Jan 23, 2015 11:02 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

Bit of a problem using 2FA on my laptop. I have been using the Windows Live Mail client to retrieve my gmail emails. I have several email accounts and this is much more convenient than logging into each one individually. Unfortunately, I discovered that Live Mail won't work when 2FA is activated. No...
by Browser
Fri Jan 23, 2015 10:15 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

Yes, with Chrome OS on a Chromebook you don't have the option of whether to sign in to Chrome (and thereby activate sync). You have to sign in order to use the Chromebook at all. You do have the options under People > Advanced Sync Settings of what to sync. It defaults to everything, so if you aren'...
by Browser
Fri Jan 23, 2015 8:41 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

Google has the concept of single use codes. You can print out a list (10) to keep in a safe place (or to carry with you) so that you won't be locked out of your account. Apple has a similar concept, but it is a single code (but is not single use). In either case, if you need to get into your accoun...
by Browser
Fri Jan 23, 2015 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Factors and zero-sum investing

I recently ran across a commentary about investing in "factors" that stuck with me. I went something like this: as soon as you step away from passively holding the total market index; for example by investing in factors such as small, value, quality, MOM, and the rest, you have entered the...
by Browser
Fri Jan 23, 2015 5:54 pm
 
Forum: Investing - Theory, News & General
Topic: Factors and zero-sum investing
Replies: 42
Views: 1740

Re: Google Chrome: is this a mega security problem?

Just a side question: if you are using 2-factor authentication and leave your cellphone somewhere or have it stolen, how can you get onto sites where you're using 2FA? For example, how does Goober handle it?
by Browser
Fri Jan 23, 2015 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

Unfortunately, Google Chrome apparently saves your passwords as well as credit card information unless you turn off that "feature" in the browser settings. And it's trivial for someone to find and display this information if they have access to your computer. If you are syncing to other de...
by Browser
Fri Jan 23, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Malware problem on new PC

tc101 wrote:
However, they had a problem a year or two ago where people running it had their computers bricked.


What does it mean to have a computer bricked?

Have you ever tried to use a brick to access the internet? Then you'd know.
by Browser
Thu Jan 22, 2015 10:25 am
 
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 2540

Re: Retirement in Arizona - Seeking Advice

I second Green Valley. Seemed quite nice when I drove down from Sun City to scope it out back around 2006 in the height of the real estate bubble. It's small, mostly a retirement haven, about 50 miles or so south of Tucson. At that time they were building out a big Robson retirement community and so...
by Browser
Thu Jan 22, 2015 12:44 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4028

Re: Retirement in Arizona - Seeking Advice

You might try this website to see what comes up. Administers a questionnaire and gives you the top 20 retirement spots that fit your tastes. However, I'm not sure how highly I can recommend it - I just took it again and it came up with Phoenix and Tucson as my top 2 picks. I specified a mid-sized to...
by Browser
Thu Jan 22, 2015 12:23 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4028

Re: Retirement in Arizona - Seeking Advice

Sun City area used to be nice -- about 20 years ago. Now it's swallowed up in the metro and there's too much traffic and congestion. You used to be able to do convenient shopping at lots of small close-by grocery stores and you could drive there in your golf cart. Now you can only go to crowded supe...
by Browser
Wed Jan 21, 2015 7:11 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4028

Re: urgent: how to identify top surgeons for a procedure

Just curious. Is the Head or Chief physician at a large and reputable medical facility generally the best, or one of the best, staff doctors? I had surgery at Memorial Sloan Kettering several years ago done by the Chief of Orthopedic Surgery there. I always assumed that he was probably the top guy t...
by Browser
Wed Jan 21, 2015 3:42 pm
 
Forum: Personal Consumer Issues
Topic: urgent: how to identify top surgeons for a procedure
Replies: 49
Views: 3945

Re: Retirement in Arizona - Seeking Advice

Lots of folks obviously live in Phoenix during the hot summer months. Most of them work there or don't have a lot of bucks to afford a summer escape so they don't have a choice. If you have a choice and have the energy to set up a summer household out of the Valley I'm sure you'll want to get out of...
by Browser
Wed Jan 21, 2015 11:24 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 66
Views: 4028

What will happen to international stocks if a Euro breakup?

Presently, international developed market index funds have about 61% in Europe, and total international has about 45%. With the warning shot fired by the Swiss, can the breakup of the Euro be far behind? What is likely to happen to European stocks if (when) this happens, and is it maybe a good idea ...
by Browser
Wed Jan 21, 2015 10:43 am
 
Forum: Investing - Theory, News & General
Topic: What will happen to international stocks if a Euro breakup?
Replies: 23
Views: 1555

Re: Google Chrome: is this a mega security problem?

Yes. I may be speaking for the typical computer user, even though I've used them for years and consider myself to be much more sophisticated than the majority. Some years ago I opened a Google Mail account for my email. Then a couple years ago I moved to the Chrome browser on my laptop. Finally, I s...
by Browser
Wed Jan 21, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

I just discovered that the new Chromebook has all the contents of my Google Drive on it also. I guess that got synced over as well. I really don't know how that happened since I thought you could protect access to it. That means that anybody getting hold of my GMail password also got access to all t...
by Browser
Tue Jan 20, 2015 6:22 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Microsoft Money Plus Sunset

Have used Money Sunset for years and works just like Money. I always downloaded my financial data myself by going to the websites so nothing really changed for me. You should be able to just download and install it and it can read your existing Money file (make sure you have a backup). I use it to k...
by Browser
Tue Jan 20, 2015 6:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1297

Re: Google Chrome: is this a mega security problem?

That will only work for computers they have access to. That's what he's asking to do, with the 14-day trial. It will also delete all additional apps/extensions that have been loaded since initial start-up. - Ron Correct. This should delete everything I've done and restore the Chromebook to it's ori...
by Browser
Tue Jan 20, 2015 2:46 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Bernstein article:How to tell if your nest egg is big en

A good rule of thumb is to have, at the very least, 25 years of RLE saved up to retire at 60, 20 years to retire at 65, and 17 years to retire at 70 Wonder where these figures come from in the article? He's estimating life expectancy to be 85 at age 60 and 65, and 87 at age 70. In the article RLE i...
by Browser
Tue Jan 20, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8238

Re: Google Chrome: is this a mega security problem?

Is there any way to disable Chrome remotely? That is, I can see in my history that i'm signed in elsewhere (a shared word computer), but don't know how to specifically disable that computer. I assume that people can see my bookmarks? There are relatively innocuous, but do give people an idea of wha...
by Browser
Tue Jan 20, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Bernstein article:How to tell if your nest egg is big en

A good rule of thumb is to have, at the very least, 25 years of RLE saved up to retire at 60, 20 years to retire at 65, and 17 years to retire at 70

Wonder where these figures come from in the article? He's estimating life expectancy to be 85 at age 60 and 65, and 87 at age 70.
by Browser
Tue Jan 20, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: "When you've won the game, stop playing"
Replies: 83
Views: 8238

Re: Google Chrome: is this a mega security problem?

It's just that the model a lot of people have in their heads is that your stuff is locally stored on the computer you have physically in front of you. The only way your privacy can be breached is if someone physically gets hold of your computer, or you are not careful or are unlucky and some interne...
by Browser
Tue Jan 20, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Treasury Direct Question

I've had minimal problems getting on the TD website. In some ways it's convenient to have digital bonds instead of the paper ones. However, it won't be so convenient for my beneficiaries unless I leave a pirate treasure map with all the directions to where my I-bonds are buried. I'd really rather ha...
by Browser
Tue Jan 20, 2015 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Question
Replies: 6
Views: 526

Re: Google Chrome: is this a mega security problem?

OK. I signed in and got it. It looks like the best thing to do is simply Disconnect Google Accounts. Then you should not be able to sync to another computer at all, correct? I really don't know how I got signed in on the laptop in the first place, so it would sync to the Chromebook. It was inadverte...
by Browser
Tue Jan 20, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

As with almost all aspects of computer security, there is a tradeoff with convenience. Unless the version of Chrome on the Chromebook is different, this is all configurable in the synchronization settings which can be found in chrome://settings, then Sign In | Advanced Sync Settings. I choose to no...
by Browser
Tue Jan 20, 2015 9:43 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Google Chrome: is this a mega security problem?

I think what happened is this. I never set up my laptop to sync anything. I believe what happened is that I logged into my GMail account on the laptop and when I was finished I didn't log out (which I'm sure is commonly done). Then apparently, Chrome decided to sync to that account, me being unaware...
by Browser
Tue Jan 20, 2015 9:41 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Google Chrome: is this a mega security problem?

Like to share my recent experience with Chrome, both as a heads-up to others and to find out more about it. I have a Windows laptop running Chrome and a Gmail account. I just bought a Google Chromebook to try it out. To start using it you have to log on to your Google account, so I logged on to my e...
by Browser
Tue Jan 20, 2015 9:12 am
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 101
Views: 5774

Re: Lenovo Yoga (& sudden shut down?)

What makes you think the Geek Squad knows anything?
by Browser
Sat Jan 17, 2015 10:03 am
 
Forum: Personal Consumer Issues
Topic: Lenovo Yoga (& sudden shut down?)
Replies: 27
Views: 2084

Re: Tobias Moskowitz on value and momentum

We need a movalue index fund.
by Browser
Sat Jan 17, 2015 9:26 am
 
Forum: Investing - Theory, News & General
Topic: Tobias Moskowitz on value and momentum
Replies: 19
Views: 2073

Re: US Social security and Canada Pension Plan

I don't have a specific answer to your question, but I worked in Canada for several years as well. I'm now retired and collecting US social security benefits and I am also receiving CPP benefits. The CPP benefits must be combined with SS benefits for tax filing. So, your CPP benefits will not be los...
by Browser
Fri Jan 16, 2015 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: US Social security and Canada Pension Plan
Replies: 4
Views: 496

Re: ATT wireless announces data rollover plan

We got an announcement a few days ago that starting in late January ATT will do a one month rollover of unused data for certain wireless plans. This should help us a lot. My wife and I share 1 GB of data, but most months stay under 500 MB. http://www.att.com/shop/wireless/rollover-data.html?source=...
by Browser
Fri Jan 16, 2015 2:49 pm
 
Forum: Personal Consumer Issues
Topic: ATT wireless announces data rollover plan
Replies: 8
Views: 1134

Re: Why invest in International funds? It's a mystery

Vanguard recommends about 20% in foreign equities, and Bogle also suggests no more than 20%. So they agree, but for different reasons: Vanguard says that 20% is about optimal. Bogle says that, if you insist on having international, 20% is about right because it won't do much of anything; it won't he...
by Browser
Fri Jan 16, 2015 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in International funds? It's a mystery
Replies: 121
Views: 10374

Re: T-Mobile to Launch New 'Simply Prepaid' Plans

Reading the linked article it's hard to see why most people would opt for these plans, since there are better ones out there that don't require actually using T-Mobile. :(
by Browser
Thu Jan 15, 2015 9:16 pm
 
Forum: Personal Consumer Issues
Topic: T-Mobile to Launch New 'Simply Prepaid' Plans
Replies: 4
Views: 1042

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

been using hangouts on droid and laptop for quite a few months, now. get some complaints about clarity of calls from the other end, from one party that i call. been about as reliable as cell connections for not losing calls (maybe slightly better). certainly saving minutes/$ on my cell bill, though...
by Browser
Thu Jan 15, 2015 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1770

Re: H2O Wireless to get 4G LTE in January 2015

I wonder if Cricket will lower their price in response to H2O, now that both offer LTE? Stay tuned.
by Browser
Thu Jan 15, 2015 10:42 am
 
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 7
Views: 1329

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

Just tried again to make a hangouts call using WiFi. Two minutes it, the call was dropped. The phone stayed on this time -- previous two times the phone turned off. First time it stayed off and the second time it rebooted on it's own. I have a very good home WiFi connection so that's not the problem...
by Browser
Thu Jan 15, 2015 10:37 am
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1770

Re: U.S. stocks in freefall

Jim Rickards is the guy's name. You can google it on your own - lot's of political stuff so won't post any links here. Guess what he recommends investors do -- buy energy and other commodity stocks! Hey, the market is down by 70% but this sector will make you rich (unless you become poor in the mean...
by Browser
Wed Jan 14, 2015 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221097

Re: H2O Wireless to get 4G LTE in January 2015

Thanks for the extensive post, protagonist. I don't think that's my problem however. I only get the delay with H2O wireless but not with Consumer Cellular. Both are on the AT&T network. I would think I'd have the problem with both of them. There are two differences between H2O and CC that I know...
by Browser
Wed Jan 14, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 7
Views: 1329

Re: U.S. stocks in freefall

At least one guy (former CIA agent or something) is forecasting that the market could drop 70% in one day. That would be a doozy wouldn't it? I think the biggest one-day drop in history was about 25% back in 1987. I guess anything is possible. I wonder what most of us would do if that actually happe...
by Browser
Wed Jan 14, 2015 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 221097

Re: Anybody use Google Hangouts on cellphone to make WiFi ca

I use Hangouts for voice calls. The first issue, that it uses your data when you're not connected to wifi, is just how it works. It's Voice over IP, so you need some kind of IP (Internet Protocol) connection to use it. I have not seen the second issue. I do notice that my phone gets quite hot when ...
by Browser
Wed Jan 14, 2015 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1770

Anybody use Google Hangouts on cellphone to make WiFi calls?

I found out that Google Hangouts can be used to make free WiFi calls on my android cellphone with the Hangouts Dialer app. However, I've run into a couple problems that I wonder if any other users have experienced. First, when you are not connected to WiFi to make calls Hangouts appears to use your ...
by Browser
Wed Jan 14, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: Anybody use Google Hangouts on cellphone to make WiFi calls?
Replies: 18
Views: 1770

Re: H2O Wireless to get 4G LTE in January 2015

Interesting. I've been an H2O Wireless user and liked their plans. However, I had a unique problem I could never solve with it. I use Google Voice with my phone and for some reason I experienced a ring lag with incoming calls using H2O. My phone didn't start to ring until the caller's fourth ring an...
by Browser
Wed Jan 14, 2015 9:44 am
 
Forum: Personal Consumer Issues
Topic: H2O Wireless to get 4G LTE in January 2015
Replies: 7
Views: 1329

Re: Looking for low cost cell phone plans...

Thanks for your help. I downloaded and installed the Hangouts and Hangoutsdialer apps. I was able to make a call just fine. I've tried several different Voip apps before and none of them worked very well, but this was fine. I haven't received a call yet, so I don't know how that will work. I'm not ...
by Browser
Tue Jan 13, 2015 8:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3958

Re: Looking for low cost cell phone plans...

Can you provide a little detail about how you can set this up on a cellphone? I have a google voice number that I use as my primary number on my cellphone but I'm using voice minutes on my plan for calls. Don't know how to make and receive calls via WiFi. I'm baffled by the google hangouts stuff. I...
by Browser
Mon Jan 12, 2015 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3958

Re: Looking for low cost cell phone plans...

On a general note: google voice is now integrated with google hangouts (you don't need to be signed up for g+ though). This means that you can use it for free calling (and receiving) via Wifi on your smartphone. I do this, and 95% of the time, don't use cell minutes because of this. It's been compl...
by Browser
Mon Jan 12, 2015 11:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3958

Re: Rick Ferri looking to internationalize his portfolio

After pondering this whole discussion for the past week or so, I've decided not to make any changes to my international allocation (leaving it at 1/3 of equities). I'm just not seeing any evidence that anything is out-of-whack by enough to warrant any portfolio action aside from periodic rebalancin...
by Browser
Sun Jan 11, 2015 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 224
Views: 24696

Question about AxCrypt (file encryption)

I decided to try out using file encryption to improve security of my financial files. I used AxCrypt to encrypt my files, but am puzzled by something. If I try to open an encrypted file with the related application (e.g. Excel) I can't do it -- so far so good. However, when I click directly on the f...
by Browser
Sun Jan 11, 2015 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Question about AxCrypt (file encryption)
Replies: 4
Views: 406

Re: "Vanguard Group execs say deflation a real risk..."

Deflation isn't just a "risk" - it's an actuality in terms of falling energy and commodity prices. That's sorta what deflation is, correct?
by Browser
Fri Jan 09, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard Group execs say deflation a real risk..."
Replies: 61
Views: 6215

Re: Can you make money betting on random coin flips?

This, of course, relates to Samuelson's paper: Risk and Uncertainty: A Fallacy of Large Numbers . In that paper he shows that if you would not accept a single bet based on the odds of winning, then you should not accept a series of such bets no matter how long. This applies when you are betting you...
by Browser
Fri Jan 09, 2015 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Can you make money betting on random coin flips?
Replies: 295
Views: 16496
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