Search found 39 matches

Return to advanced search

Re: FLICKR

I have found that Live/Outlook/Hotmail, has photo holding section called One Drive. It works very well and is easier to organize that is Flickr. When I'm sent a photo of the next generation of my family coming along, I can put it one 1 Drive without signing out and signing back in, like you have to ...
by Dog_Papa
Mon Sep 15, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 7
Views: 775

What will work like Travelers Checks did in the past?

TC (Travelers Checks) just don't work like they used to, banks won't cash em and stores don't treat em as cash. Gift Cards are just like cash, in that if you lose one, a person finding it, spend it, before you realize it is gone. GC (Gift Cards) don't allow you to get cash either, or depo leftover v...
by Dog_Papa
Sat Feb 08, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: What will work like Travelers Checks did in the past?
Replies: 15
Views: 1395

Real estate bought nothing down, how have they done?

I remember a Money Magazine issue, which had an article called: Nothing Down Hoedowns. It was a concept where you would pay a fee to attend a seminar on how to buy rental property with no money down. The article suggested this could be risky, to say the least. But, people with no experience would fo...
by Dog_Papa
Sat Sep 14, 2013 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate bought nothing down, how have they done?
Replies: 0
Views: 308

Re: Market cap weighted index mutual funds like VTSMX

Not sure where you are going with the "MBA-types from Harvard" thought.... What I have noticed, in the world I have been living in, is that business management seems to reflect academic theory as opposed to real business experience. Not picking on Harvard, just using it as a metaphor for ...
by Dog_Papa
Sat Aug 24, 2013 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Market cap weighted index mutual funds like VTSMX
Replies: 10
Views: 944

Market cap weighted index mutual funds like VTSMX

I have always wondered if there might be a better way to create a mutual fund. Say, a mix of weight by market cap and simply a fixed dollar amount in all stocks. That way you would avoid having so much of investment in the very large cap stocks. Like Apple, Exxon Mobil, Google, Microsoft, Johnson &a...
by Dog_Papa
Sat Aug 24, 2013 9:29 am
 
Forum: Investing - Theory, News & General
Topic: Market cap weighted index mutual funds like VTSMX
Replies: 10
Views: 944

Re: Best PC storage media, for sharing videos

You didn't ask, but you may want to transfer your older movies on VCR tape to your PC, to keep them safer from tape degradation and obsolescence. Assuming you still have a working VCR, there are pretty cheap devices that let you transfer the video on tape to your PC for safekeeping. Yes, I would li...
by Dog_Papa
Wed Aug 21, 2013 12:52 pm
 
Forum: Personal Consumer Issues
Topic: Best PC storage media, for sharing videos
Replies: 16
Views: 999

Re: Best PC storage media, for sharing videos

YouTube is a good source of entertainment. But, this stuff is new and not on youtube.
by Dog_Papa
Wed Aug 21, 2013 9:54 am
 
Forum: Personal Consumer Issues
Topic: Best PC storage media, for sharing videos
Replies: 16
Views: 999

Best PC storage media, for sharing videos

I have a very large hard drive, but if I load on a few movies, I can no longer do a back-up. What is the best media to store movies on, that I can also share w/friends & family. An external HD would be a possibility, but that does not work well for sharing. Flash drives would work and so would D...
by Dog_Papa
Wed Aug 21, 2013 9:34 am
 
Forum: Personal Consumer Issues
Topic: Best PC storage media, for sharing videos
Replies: 16
Views: 999

Re: The Wilshire 5000 total market historic ups and downs

This is just a thought. If you had a brokerage account, with mutual funds, like Vanguard GNMA. You could put in limit order to buy some VTI, if it drops say 20%. Along with an order to buy even more if it drops 30%. If these events don't take place at least ya get some interest. In the past, it was ...
by Dog_Papa
Mon Aug 19, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: The Wilshire 5000 total market historic ups and downs
Replies: 15
Views: 1282

Re: The Wilshire 5000 total market historic ups and downs

So, I'm wrong the Fed has not stepped in to buy bonds in the US market twice now. Known as quantitative easing. People would invest their saving in say mortgage bonds, at today's rates, without a federal backing? At current rates right now, I would not. My contention is that rates are artificially l...
by Dog_Papa
Sun Aug 18, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: The Wilshire 5000 total market historic ups and downs
Replies: 15
Views: 1282

The Wilshire 5000 total market historic ups and downs

If you take a look at this chart of Wiki: http://en.wikipedia.org/wiki/Wilshire_5000 . I believe we could see some very big dips again. Like in 2002 and 2009. It would appear, that the total stock market has had trouble holding on to big gains made in the past. There are clearly two spikes, followed...
by Dog_Papa
Sun Aug 18, 2013 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Wilshire 5000 total market historic ups and downs
Replies: 15
Views: 1282

Re: If I had retirement accounts to asset allocate over agai

Just looking at your P/E ratio idea: I used Robert Shiller's spreadsheet which he provides on his website for his CAPE data in the book Irrational Exuberance . But I downloaded it a while ago, so it only had complete data up to 2011. Lets say you retired in 2011 (because that is where my data ends)...
by Dog_Papa
Fri Jul 26, 2013 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: If I had retirement accounts to asset allocate over again
Replies: 7
Views: 1346

Re: If I had retirement accounts to asset allocate over agai

Before the efficient portfolio hypothesis concept, many people would put half in bonds & the other half in stocks. International investing with mutual funds was unknown or little known. So, there were only two choices. I don't know who came up with the efficient portfolio hypothesis, or when the...
by Dog_Papa
Fri Jul 26, 2013 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: If I had retirement accounts to asset allocate over again
Replies: 7
Views: 1346

If I had retirement accounts to asset allocate over again

I would take a look at historic norms. For instance, the S & P 500 has had an average P/E of about 16.5 during the 20 Century. When stocks went above that, or say 2 percentages points above the norm. I would put my monthly amount into bonds, money markets, REITs and other types of assets. Stayin...
by Dog_Papa
Wed Jul 24, 2013 6:16 pm
 
Forum: Investing - Theory, News & General
Topic: If I had retirement accounts to asset allocate over again
Replies: 7
Views: 1346

Re: Cost of auto ownership & driving, used car vs new

I would have to agree that the real conflict here was Toyota vs Chrysler as opposed to New vs Used. The engine was the most expensive thing that went out was made by Mitsubishi. In later yrs the suspension springs were much heavier and covered by a plastic coating to prevent rust. Chrysler started ...
by Dog_Papa
Tue Jul 16, 2013 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Cost of auto ownership & driving, used car vs new
Replies: 9
Views: 1352

Cost of auto ownership & driving, used car vs new

I stopped buying used cars back in 1993. When I bought a new Toyota base pickup. After a disastrous used mini van purchase in 1991. An 1987 4-cly Chrysler, with about 60K miles on it. I paid $5K w/taxes. In the first yr I drove about 15K miles and had the following repairs: front springs & strut...
by Dog_Papa
Mon Jul 15, 2013 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Cost of auto ownership & driving, used car vs new
Replies: 9
Views: 1352

Re: Current interest rates, housing & the US economy

I think it may have the reverse effect on housing, at least initially. When and "if" our financial leaders decide to come back to interest rate reality, people will "rush" in to beat the rate rise. house prices will spike, then come back to a normal 3 - 5% per year increase. I c...
by Dog_Papa
Sun Jul 14, 2013 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Current interest rates, housing & the US economy
Replies: 9
Views: 1266

Current interest rates, housing & the US economy

In business school, I was taught interest rates had component parts. A real rate of return, a figure for inflation and a part to pay taxes on the interest bondholders rec'd. At the time the 30 yr Treasury was paying about 7.5%. It all made sense, 3% real rate of return, 2-3% for inflation and 2-3% t...
by Dog_Papa
Sun Jul 07, 2013 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Current interest rates, housing & the US economy
Replies: 9
Views: 1266

Re: Special Needs Trust

Some states do have a pooled special needs trusts available, these may simplify the process and reduce the legal fees. A search for "florida pooled special needs trust", may provide some leads. There's an organization that offers pooled trusts. However, they have a money mgr, I have never...
by Dog_Papa
Mon Jan 07, 2013 9:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust
Replies: 8
Views: 1022

Special Needs Trust

Does Vanguard offer a Special Needs Trust? If so is it available in all states? This would be for a person in the state of FL, who's disabled.
by Dog_Papa
Sun Jan 06, 2013 5:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Special Needs Trust
Replies: 8
Views: 1022

Re: Purchase New Car

What is the best approach to saleman when purchasing a new car???? How can I find out the actual cost to the dealership? This information will allow me to negotiate from that price. Before I buy a new car or light truck, I do my own market analysis of the current market price of the car. Edmund's o...
by Dog_Papa
Thu Dec 27, 2012 10:31 pm
 
Forum: Personal Consumer Issues
Topic: Purchase New Car
Replies: 15
Views: 2335

Re: Notice of adverse action on a loan application

Couldn't they have just dropped the application, instead of this action denying me credit? This can't be good for my credit report. What appears on your credit report is just the inquiry, which already happened; this indicates that the credit union looked at your credit file as part of an auto loan...
by Dog_Papa
Thu Dec 20, 2012 10:21 am
 
Forum: Personal Consumer Issues
Topic: Notice of adverse action on a loan application
Replies: 8
Views: 1834

Notice of adverse action on a loan application

I went to 3 different lending institutions about a auto loan. Two approved the loan and one wanted more info than I was comfortable giving them. I have had other problems with this Credit Union as well. Like them making simple transactions complex, when they should not be. During the application pro...
by Dog_Papa
Wed Dec 19, 2012 3:11 pm
 
Forum: Personal Consumer Issues
Topic: Notice of adverse action on a loan application
Replies: 8
Views: 1834

Re: Things to consider before buying a used car

I have never really found a good way to buy a used car. I seen a lot of info on doing it, but it is just not all that easy. There really is now way I have ever found to lower auto ownership costs. Used cars have never done that for me. Used cars just don't last as long and have more repair bills dow...
by Dog_Papa
Thu Nov 15, 2012 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Things to consider before buying a used car
Replies: 17
Views: 1815

Re: Extended Warranties & Service Plans. Do they work?

It's interesting to read all the experiences people have had. Often the commission paid to the sales person is so high that there is no way it can make sense for the consumer. The other major problem with electronics, is the product maybe covered but's still obsolete when it does go bad. Also, many ...
by Dog_Papa
Thu Nov 15, 2012 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Extended Warranties & Service Plans. Do they work?
Replies: 26
Views: 1734

GC (Gift Cards) and TC (Travelers Checks)

Amex (American Express) TCs seem to be going the way of the Dinosaur. Many places will not take em any more. Many banks don't issue them either. The new thing seems to be GCs. They come from Walmart, Visa & Amex. I'm sure there are many others as well. Anybody have the lowdown on these new instr...
by Dog_Papa
Wed Nov 14, 2012 2:40 pm
 
Forum: Personal Consumer Issues
Topic: GC (Gift Cards) and TC (Travelers Checks)
Replies: 1
Views: 179

Extended Warranties & Service Plans. Do they work?

I'm wondering if any member has an idea if these work for people or not really. It depends I'm sure of the type of product you're buying. That is for sure one major factor. Electronics have such rapidly changing technology, that a plan longer than about 2 yrs is very questionable. In automotive, the...
by Dog_Papa
Sat Nov 10, 2012 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Extended Warranties & Service Plans. Do they work?
Replies: 26
Views: 1734

Picking a new HD TV

I don't have cable or an outside antenna. I never bought one of those converter boxes. So, I'm just going to get whatever I can with the built-in tuner. People in my building say I can get the local stations pretty well. I watch a lot of documentary videos on YouTube. Sports is the reason I would li...
by Dog_Papa
Fri Oct 26, 2012 11:41 pm
 
Forum: Personal Consumer Issues
Topic: Picking a new HD TV
Replies: 19
Views: 1973

Re: Used pickup truck advice

In my view, the problem when buying a used truck. Is that often they were worked very hard, and this is the reason they are for sale. I also never saved money buying used. They just don't last as long and have more repair costs. 4 wheel drive is of some help in the snow, but adds complexity and high...
by Dog_Papa
Tue Oct 02, 2012 10:44 pm
 
Forum: Personal Consumer Issues
Topic: Used pickup truck advice
Replies: 17
Views: 1073

A High Security Personal Check?

I rec'd an offer for the "New High Security Personal Check". It came in the mail, along with my monthly statement. I was not aware there was such an animal. I have never had a problem with checks. Well, with personal checks, I had some business checks stolen and then cashed, many years ago...
by Dog_Papa
Tue Oct 02, 2012 10:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: A High Security Personal Check?
Replies: 2
Views: 1089

Buying a single family home a good investment?

Is buying a home to live in still a good investment? The prices in some areas went up so much, from 2000 to 2007, that I would question if they have corrected enough, to make buying a single family home a good investment. I also feel interest rates are so low, that prices are being artificially prop...
by Dog_Papa
Fri Sep 07, 2012 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying a single family home a good investment?
Replies: 16
Views: 2312

Renting a car, which credit card to use?

I often rent weekend specials, because the cost is low and I can rent a car, that gets better MPG, than the truck I own. I have Visa, MasterCard, Discover and Amex. They all offer protection, in case of an accident, and/or some other types of problems. I just wonder, if anyone has any idea, which is...
by Dog_Papa
Wed Sep 05, 2012 7:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting a car, which credit card to use?
Replies: 10
Views: 1665

Career Change from Engineering to Finance

Like one of the post said, there is extreme competition for jobs in finance. The CFA is a very hard test, but even with that credential you are not necessarily in demand. I can see getting an MBA, if you could get one from a top school. Then with both a technical background and an understanding of b...
by Dog_Papa
Tue Jun 05, 2012 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Career Change from Engineering to Finance
Replies: 40
Views: 5686

Re: Advice Needed: Career Change from Engineering to Finance

I would not give up a career in engineering for one in finance. Anyone can work in finance, with or without a college degree. Plus a college degree in business is much easier to get. You will have a lot more competition in finance for jobs than you would in engineering. Also, concepts like costs, pr...
by Dog_Papa
Tue May 29, 2012 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice Needed: Career Change from Engineering to Finance
Replies: 40
Views: 5686

Honda dealers and other auto dealers

Honda, Toyota & Nissan have done a good job, making cars & light trucks for the America consumer. However, their dealers are still auto dealers and no better than any other auto dealer. I call them dealer-chiselers, no matter what brand they sell. They look to get all the money from you they...
by Dog_Papa
Sun Oct 18, 2009 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Honda dealers
Replies: 29
Views: 4218

Is low P/E of 12, on SP 500 suggestive of slower growth

Are lower p/e ratios (right now about 12) of VTI & SPY, suggesting slower growth, for the stock market. This is what I learned in business school. Are high debt loads (no chart to blame, or very commonly economic indicator to attack), one reason for this? I think that's the current situation. Si...
by Dog_Papa
Sun Aug 23, 2009 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Is low P/E of 12, on SP 500 suggestive of slower growth
Replies: 13
Views: 1619

I purchased a Toyota pick-up in 93 & it held its value

I only paid $7,000 for it and that included the shell. I took out two deer with it in 1998, which totaled the truck. I rec'd $6,000 in an insurance settlement. I owned it over 5 yrs and put about 80,000 miles on it. I purchased a used car, after that, but it needed repairs and it ended up costing mo...
by Dog_Papa
Sat Aug 22, 2009 12:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: New vs. Used Cars
Replies: 50
Views: 6302

Is there a way to look at newsletter from the last 10 yrs?

If memory serves me, Vanguard warned of the high level of US stocks,
back in 1999. This was based on GDP vs the total market value of US stocks.
by Dog_Papa
Mon Aug 17, 2009 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way to look at newsletter from the last 10 yrs?
Replies: 1
Views: 685

Check out their web sites and see which one you like better

You also have other alternatives, like Vanguard, Scott Trade & Fidelity. What type of investing or trading, are you planning?
by Dog_Papa
Mon Jan 26, 2009 6:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Ameritrade v. Schwab
Replies: 7
Views: 1819

Return to advanced search