Search found 4330 matches

by Browser
Sun Jul 05, 2015 10:03 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3730

Re: Best Cell Plan?

Lots of good suggestions. Adding another. Pay $10 for a $30 preloaded h2o wireless gsm sim card on att network. Look at eBay. You get 1 month unlimited voice/text and 500mb lte. After 1 month, you can extend for $30, or quit. If you use Google voice, then you can do it again with a new mobile numbe...
by Browser
Sun Jul 05, 2015 10:00 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 45
Views: 3022

Re: Aren't we obsessing way too much about our portfolios?

While there is a difference in the terminal value of 60% vs. 40% stocks, the Sharpe ratios are about the same. Ergo, you had to take more risk to get more return -- no free lunch for owning more stocks. Risk giveth and it taketh away.
by Browser
Sat Jul 04, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 45
Views: 3022

Aren't we obsessing way too much about our portfolios?

Many of us obsess endlessly about our asset allocation, rebalancing, and all sorts of things - as if any of this makes much difference in our returns or the route taken to get there. But, unless you are comparing radically different asset recipes, within a moderate spectrum of variations I'm struck ...
by Browser
Sat Jul 04, 2015 8:04 am
Forum: Personal Consumer Issues
Topic: Saving on Golf
Replies: 21
Views: 1390

Re: Saving on Golf

You can play 250 nice golf courses in Phoenix during the summer at very reasonable rates. Bring lots of sun lotion.
by Browser
Fri Jul 03, 2015 7:10 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3730

Re: Best Cell Plan?

babington wrote:I just moved from Verizon to PagePlus (which uses the Verizon network, IMO the best coverage). PagePlus customer service is an absolute nightmare, but not enough to justify paying Verizon 3x time more.

http://www.walmart.com/cp/Total-Wireless/1229576
by Browser
Fri Jul 03, 2015 9:07 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3730

Re: Best Cell Plan?

Project fi seems really interesting. https://fi.google.com/about/faq/ I'm waiting for my invitation. Downside is that you need a nexus 6 phone, which is a nice phone but pricey Google "nexus problems with Android 5.1" and you'll find that the latest android version is a mess with Nexus. I...
by Browser
Fri Jul 03, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

In the Consumer Reports piece linked by Frugal Al, one of the commentors wanted to know why CR has continued to highly recommend Subarus, even though they have been plagued by oil consumption problems for years. I'd like to know also. I frequently find serious problems discussed for various brands o...
by Browser
Fri Jul 03, 2015 8:58 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

If you're considering an older Honda CRV, google "Honda Black Death". Some older models are afflicted with an A/C compressor that implodes and creates an expensive A/C system repair. I know -- I just had it happen with my 2002.
by Browser
Fri Jul 03, 2015 8:54 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3730

Re: Best Cell Plan?

How do I figure out if an MVNO has data roaming? Which other MVNO's offer the same service as the carrier whose network they use? ie will service with Consumer Cellular be as good as service with AT&T? The only AT&T-based prepaid service that offers roaming is Consumer Cellular. Note: (AT&a...
by Browser
Fri Jul 03, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

Oil usage seems to be a problem with quite a few makes, including Honda and Subaru. As we've said many times, almost all makers have a few skeletons in the closet, reliability wise: http://www.consumerreports.org/cro/magazine/2015/06/excessive-oil-consumption/index.htm Thanks for the link. The idea...
by Browser
Thu Jul 02, 2015 9:58 am
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 40
Views: 3730

Re: Best Cell Plan?

If you get your phone unlocked, or it is already, H2O wireless is probably the best AT&T MVNO for you. It has an unlimited talk and text plan with 500 MB of 4g data for $30/month, $27 with autopay. Cricket's plan at a similar price point is $40/month, $35 with autopay. The Cricket plan has more...
by Browser
Thu Jul 02, 2015 7:21 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13850

Re: Aren't we overdoing electronic auto safety features?

. I certainly didn't care for the acceleration that took place unexpectedly when the ACC had slowed me down and then I lost the pacecar in front -- as when exiting on the offramp. If one is using ACC it is prudent to adjust the speed setting to not be very much in excess of the actual speed at the ...
by Browser
Wed Jul 01, 2015 9:39 pm
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 3405

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Taken from the Moto X release notes for Android 5.1: Your phone now uses the new Android Runtime to help optimize application performance. After upgrading to Lollipop, your applications will undergo a one-time optimization process . HA HA HA HA HA HA HA HA HA HA!!!!!! It definitely should be a one ...
by Browser
Wed Jul 01, 2015 9:02 pm
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 3405

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Taken from the Moto X release notes for Android 5.1:
Your phone now uses the new Android Runtime to help optimize application performance. After upgrading to Lollipop, your applications will undergo a one-time optimization process.

HA HA HA HA HA HA HA HA HA HA!!!!!!
by Browser
Wed Jul 01, 2015 7:29 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 3405

Re: Annoying problem with Lollipop (new Android 5.1 OS)

After this experience, I can absolutely guarantee you that I'm going over to the dark side and getting an iPhone. Can you imagine the outcry if this happened with Apple? Right -- that's why it won't happen. Android has to work on too many different smartphone platforms and iOS only has to work on Ap...
by Browser
Wed Jul 01, 2015 6:52 am
Forum: Personal Consumer Issues
Topic: Annoying problem with Lollipop (new Android 5.1 OS)
Replies: 52
Views: 3405

Re: Annoying problem with Lollipop (new Android 5.1 OS)

Well, consider yourself lucky Browser. I upgraded lollipop about 2-3 weeks ago. After that, my wifi stopped working. I thought of it as a nuisance but was too busy to delve into it. This weekend I put my phone into airplane mode for a couple days while I went hiking off grid (to keep the battery fr...
by Browser
Wed Jul 01, 2015 6:46 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

I have a 2006 Toyota RAV4 that my college age daughter drives. While I like the car, it burns oil and is now in the middle of an oil consumption test as a part of a Toyota recall. As the owners manual states something like 1 quart of oil every 1500 miles is normal. Though mine burns oil, I don't th...
by Browser
Tue Jun 30, 2015 10:49 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Chart of number of 2% down days in rolling 6-month periods since 2000. Illustrates the clustering of down days and also shows market complacency. Since the beginning of 2012 there hasn't been any 6-month period in which there were more than three 2% down days. How long will that persist? http://s6.p...
by Browser
Tue Jun 30, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

There is clear evidence of the clustering of market losses, shown by looking at the rolling average of down days over given time periods, such as the following: [ chart removed ] I would not be surprised if you made a chart of the rolling average of 3% up days over given time periods if the chart w...
by Browser
Tue Jun 30, 2015 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

They seem to be getting sneakier and sneakier. In the past few weeks I have had: A robo-call from myself (my number showed up on caller-ID) A sales call from someone selling solar panels which showed up on caller-ID as one of our physicians office . Wow, how the heck did the telemarketer do that? I...
by Browser
Tue Jun 30, 2015 5:44 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

FWIW, when I used the Close for ^GSPC (same as the Adj Close) with Yahoo data, I find that the declines for the two dates in dispute were greater than 2%; so using those data this is in agreement with Rick: there have been 6 declines exceeding 2% since 1/1/2014 including the last decline on 6/29/2015.
by Browser
Tue Jun 30, 2015 5:24 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

Maybe I'm just crazy. http://www.usatoday.com/story/money/cars/2014/07/18/subaru-oil-burner-lawsuit/12859865/ What was the verdict? I think Subaru has been using boxer engines for 50+ years. So I personally am not too concerned if a couple models during a couple years burned oil. Also, if you googl...
by Browser
Tue Jun 30, 2015 4:53 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

You used SPY as a proxy for the index benchmark. Maybe that's the difference. I don't see any difference between the Close and Adjusted Close price for ^GSPC. Based on the MoneyWatch.com numbers, there should be a 2% difference. Yahoo's help: About historical prices Looks like ^GSPC is the symbol f...
by Browser
Tue Jun 30, 2015 12:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

... Used both the price and total return data from Yahoo and they agree. What's the Yahoo finance ticker symbol for the S&P 500 Total Return? I couldn't find it. Indexes are highly proprietary, as I couldn't find the S&P 500 total return index on the public S&P 500® website, either. How...
by Browser
Tue Jun 30, 2015 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

Let me throw this out for some tech guru to answer (hopefully). I have a Google Voice phone number that is the only number I use. I have a VOIP phone at home using an Obi device, and I have a smartphone. I have Google Voice configured to ring both phones simultaneously. Let's say that I sign up my V...
by Browser
Tue Jun 30, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

Don't speak if you pick up the phone as many of these calls are voice activated by you. If you don't speak, they supposedly register your phone number as inactive. Has worked for me so far. What about voicemail? If I don't answer the call goes over to my voicemail where my greeting is played. Appar...
by Browser
Tue Jun 30, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: On your deathbed will you say "darn, I wish I had invested in smart-beta"?
Replies: 11
Views: 1369

Re: On your deathbed will you say "darn, I wish I had invested in smart-beta"?

I guess nobody has ever heard the "on your deathbed will you say..." satire used to point out the insignificance of all the krap we obsess about all the time. For example: "On your deathbed will you say - I wish I had spent more time in the office?" Maybe that will help explain t...
by Browser
Tue Jun 30, 2015 11:31 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

Now if we just had a version of Nomorobo for cellphones. That's all I have and what many people have. Not a big problem for me, but also recommended on a previous thread, I'm using Mr. Number (android) https://play.google.com/store/apps/details?id=com.mrnumber.blocker&hl=en The recent reviews s...
by Browser
Tue Jun 30, 2015 11:21 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Those occurred on 1/24/2014, 2/2/2014, and 4/10/2014, which illustrates the fact that bad days tend to cluster. What? No, those dates do NOT illustrate any tendency to cluster. There may be other dates that illustrate that, but not those dates. There is clear evidence of the clustering of market lo...
by Browser
Tue Jun 30, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

I downloaded the return data for SPY, the S&P 500 ETF. Perhaps there is a slight discrepancy between the index and SPY which would account for the disagreement since we're very close to -2% on the two days in question. Used both the price and total return data from Yahoo and they agree.
by Browser
Tue Jun 30, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

Japan's first aircraft manufacturer, it was founded in 1918 by a naval engineer, Chikuhei Nakajima, and a textile manufacturer, Seibei Kawanishi as Nihon Hikoki (Nippon Aircraft). In 1919, the two founders split and Nakajima bought out Nihon Aircraft's factory with tacit help from the Imperial Japa...
by Browser
Tue Jun 30, 2015 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

Now if we just had a version of Nomorobo for cellphones. That's all I have and what many people have.
by Browser
Tue Jun 30, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Question: How many daily declines of 1.5% or more have occurred in the S&P 500 since January 1, 2014? Answer: 13 Question: How many daily declines of 2.0% or more have occurred in the S&P 500 since January 1, 2014? Answer: 6 Don't jump out a window. Rick Ferri In the interests of complete a...
by Browser
Tue Jun 30, 2015 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Unknown phone calls
Replies: 54
Views: 3520

Re: Unknown phone calls

Maybe it's been said, but Nomorobo only works with a VOIP phone, not a traditional landline.
by Browser
Tue Jun 30, 2015 9:17 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Question: How many daily declines of 1.5% or more have occurred in the S&P 500 since January 1, 2014? Answer: 13 Question: How many daily declines of 2.0% or more have occurred in the S&P 500 since January 1, 2014? Answer: 6 Don't jump out a window. Rick Ferri In the interests of complete a...
by Browser
Tue Jun 30, 2015 8:46 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

Well, we know that Subaru can actually manufacture a dependable vehicle that doesn't leak oil, at least when they're building it for someone else:-)
From Cars.com:
...Camry, which is assembled at Toyota's Georgetown, Ky., plant as well as in Lafayette, Ind., through a partnership with Subaru.
by Browser
Tue Jun 30, 2015 8:39 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Greece GDP: $241 billion. Walmart Revenue: $485 billion. L. That is brill. Really puts it in perspective. I often wonder why a small country who has a long history of not collecting taxes or paying their bills should rock the world economy. Like one small company defaulting on a loan imploding the ...
by Browser
Tue Jun 30, 2015 7:43 am
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

Most common complaint about Foresters -- oil consumption and leaking:

http://www.carcomplaints.com/Subaru/Forester/
by Browser
Mon Jun 29, 2015 10:39 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 197
Views: 13850

Re: Aren't we overdoing electronic auto safety features?

Since driving the Acura with adaptive cruise control, I've been conducting "thought experiments" as I drive around, imagining I have ACC in my vehicle and if and when I'd set the cruise control. With ACC, you set your cruise control as you usually do. It's just that your cruise control wil...
by Browser
Mon Jun 29, 2015 9:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

I love these days when this old friend thread gets all stirred up again. It makes me feel so A-L-I-V-E :!:
by Browser
Mon Jun 29, 2015 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: What happens when Admiral Shares drop below $50K?
Replies: 22
Views: 3292

Re: What happens when Admiral Shares drop below $50K?

I think knocking you off Admiral status for dropping below the minimum is something they reserve the right to do, but rarely if ever do. https://personal.vanguard.com/us/content/Funds/FundsVGFundsWhatAreAdmiralSharesJSP.jsp If the balance in an Admiral Shares account drops below the minimum, Vangua...
by Browser
Mon Jun 29, 2015 9:46 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

What was notable to me was that my mechanic steadfastly refused to recommend or not recommend any brand until we came to Subaru. His general view was that every brand has it's issues, so you should buy the brand you feel the most comfortable with because it will be easier to weather the flaws. Howev...
by Browser
Mon Jun 29, 2015 9:35 pm
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 61
Views: 4686

Re: An Argument for Long Term Treasury Bonds

Browser: there now exist TIPS. It's no accident that they appeared after the big inflation crisis, plus a long customary gestation period. They give you inflation adjustment without any wild uncertainties of the kind you'd see in gold and commodities (particularly the bad incarnations of the commod...
by Browser
Mon Jun 29, 2015 7:51 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9057

Re: dow futures down 200+ points

If I were to "buy the dip" and add more money to Vanguard Total International now (after the close of market) when does that transaction happen? If the market were to shoot up tomorrow morning, would I get in ahead of that or afterwards? Wall Street is only place in the world where the la...
by Browser
Mon Jun 29, 2015 7:49 pm
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 61
Views: 4686

Re: An Argument for Long Term Treasury Bonds

Of course, the weakness of long bonds as a hedge for stock losses is that inflation will kill them both. In the 10 high inflation years from 1972-1981, a portfolio split between stocks and long treasuries lost over 3% annualized in real, inflation-adjusted, dollars. You ended up with 30% less purcha...
by Browser
Mon Jun 29, 2015 7:32 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

My mechanic advised not touching the Subaru boxer engine with a pole of any length. Said he's seen a slew of them and they have a big oil leakage problem. Said that Subaru should have been able to fix this engine as long as they have been making it. Like most anecdotal information, this lacks persp...
by Browser
Mon Jun 29, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9057

Re: dow futures down 200+ points

A couple of days ago, I almost posted a photo of a black swan that I saw on a small park lake near me. Now I wish I had, but since then it's gotten erased on my smartphone. You'll just have to imagine it. :P
by Browser
Mon Jun 29, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1362
Views: 267064

Re: U.S. stocks in freefall

Whoops! Down 350. Buy, sell, or hide?
by Browser
Mon Jun 29, 2015 3:26 pm
Forum: Investing - Theory, News & General
Topic: dow futures down 200+ points
Replies: 84
Views: 9057

Re: dow futures down 200+ points

It's a sort of quantum uncertainty of asset pricing If Greece stays in, stocks are currently underpriced - if it leaves, they're probably overpriced Since no one's seen the result of the vote yet, stocks exist in a superposition of being simultaneously too expensive and too cheap If you believe in ...
by Browser
Mon Jun 29, 2015 3:23 pm
Forum: Personal Consumer Issues
Topic: Used, Reliable, Safe, Financially Sound cars
Replies: 56
Views: 4333

Re: Used, Reliable, Safe, Financially Sound cars

FWIW, I changed from a large SUV to a Honda Civic. I spent $400 on a nice set of racks, and the civic now holds just as much as the SUV ever did, for practical purposes. When I moved I put my Road Bike, Mountain Bike, and 3 surfboards on top all at the same time. So, for outdoor gear and trips I fi...

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