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Re: Are remote starters bad for cars?

The only real arguments against remote start are for environmental (pollution) or monetary (wasting gas) reasons.
by MindBogler
Fri Feb 27, 2015 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 41
Views: 2413

Re: [Heads up: Lenovo PC security compromised, thanks to adw

This kind of man in the middle attack can be performed against any computer platform that uses certificates. So I recommend not resting on your laurels because you're using *nix, Apple, etc. You're just as vulnerable to this kind of attack. If you want to be really alarmed, your IT department might ...
by MindBogler
Wed Feb 25, 2015 1:05 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4680

Re: Poll: Largest fraudulent charge to your credit card(s)?

I've had numerous fraudulent charges, but the charges have never been visible and cards have promptly been closed by the bank. In fact, both our debit cards were just cancelled last week for this very reason. Maybe I need to shop and dine at different establishments...
by MindBogler
Thu Feb 19, 2015 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2360

Re: Do Not Use Lenovo Computers to Shop or Access Finance Si

Step 1 on a new PC should always be to format the drive and reload the OS skipping any manufacturer-specific "utilities" during the reload.
by MindBogler
Thu Feb 19, 2015 9:31 am
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4680

Re: What is the worst financial decision that you've made?

Listening to a financial adviser. I was 100% in an actively managed tech mutual fund through the tech crash. I lost 80% of my retirement savings. The only saving grace is that I was only a few years into the process. I guess that experience brought me to indexing and self-direction, so perhaps it wa...
by MindBogler
Wed Feb 18, 2015 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: What was your dumbest financial decision?
Replies: 172
Views: 14766

Re: What age did you become financially independent of paren

I joined the military 2 months after I turned 18, shipped out 4 months later and was fully independent at 18. I took advantage of the GI Bill and personal savings to get a university degree. I have never gone back to live at home and never taken a dime otherwise. This was sometime in the last millen...
by MindBogler
Fri Feb 13, 2015 11:58 am
 
Forum: Personal Consumer Issues
Topic: What age did you become financially independent of parents?
Replies: 68
Views: 4638

Re: Cutting the cable cord using media center

In all likelihood, you inadvertently bought a card that supports hardware decoding. Your advice, without specifying what feature set to look for in a GPU, is good way to cause others to spend money needlessly. I corrected your error of omission to prevent people throwing parts at problems which aren...
by MindBogler
Tue Feb 03, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 2978

Re: Cutting the cable cord using media center

Anything that you see on your monitor/screen has to do with graphics card/processor. Most budget PCs that you get today will require PSU (power source unit) and Graphics Card update in order to be able to playback HD video such as BluRay players. There is a 1GB Graphics Card for $20 and there is an...
by MindBogler
Tue Feb 03, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Cutting the cable cord using media center
Replies: 27
Views: 2978

Re: HELP! Mortgage company is denying my PMI termination req

Did they order the new appraisal or did you? If you ordered the appraisal it is invalid for these purposes. Is your mortgage 5 years old? If not, you need 75% LTV not 80%. This information is on your link under the heading "Borrower-Initiated Termination of Conventional Mortgage Insurance Based...
by MindBogler
Wed Jan 28, 2015 5:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: HELP! Mortgage company is denying my PMI termination request
Replies: 28
Views: 3394

Re: data mining vs. historical performance

columbia wrote:I'll bite: what is the main point that you wish to make?

Start at my first post and keep reading. Repeat as necessary until understood. :sharebeer
by MindBogler
Tue Jan 27, 2015 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: data mining vs. historical performance

Would "data mining" or the question of "yes, but can history repeat itself" even have been mentioned had the portfolio not contained a position in gold? Yes, definitely. If you had used any other asset with the same combination of very high returns in the last 42 years and low r...
by MindBogler
Tue Jan 27, 2015 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: data mining vs. historical performance

I think there's still some misunderstanding. It is obviously, without reference to data, true that X-2 < X-1. Nobody has to show past data to demonstrate costs matter. Nobody has to show past data to demonstrate T(otal)M(arket)N(et)Return < T(otal)M(arket)G(ross) Return. These truths are truly self...
by MindBogler
Tue Jan 27, 2015 7:36 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: data mining vs. historical performance

Your confusing data mining with evidence that supports a hypothesis or statements that are self evidently true, without regard for historical evidence. It's only obviously true in light of past performance. They didn't call it "Bogle's Folly" for nothing... -Edited with a quote for clarity.
by MindBogler
Tue Jan 27, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: data mining vs. historical performance

Jack Bogle, et al., hypothesized that indexing would lower costs, costs matter, etc. The only observational evidence in support of indexing is based on historical data. There is no way to know with precision going forward that indexing will succeed, but we support that hypothesis using historical pe...
by MindBogler
Tue Jan 27, 2015 6:48 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: Moving up a tax bracket - when to avoid, when to give up

That is an interesting graph, mcrunyan. It would be even more interesting with the addition of 7.65% FICA tax up to $117,000 for 2014.
by MindBogler
Tue Jan 27, 2015 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Moving up a tax bracket - when to avoid, when to give up
Replies: 26
Views: 2619

Re: Where to hold $ for less than 1 year

Unfortunately for the short time frame, Ally is probably about the safest bet. Even if you could get a couple more basis points without increasing your risk, would it be worth the hassle for funds that will be needed in under a year?
by MindBogler
Tue Jan 27, 2015 3:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to hold $ for less than 1 year
Replies: 4
Views: 724

Re: data mining vs. historical performance

You're only allowed to data mine when you're supporting the party line.
by MindBogler
Tue Jan 27, 2015 2:21 pm
 
Forum: Investing - Theory, News & General
Topic: data mining vs. historical performance
Replies: 39
Views: 1644

Re: Scary taxes :(

When I started working the top tax bracket was 70%. It had been 80% when I was in junior high school and did a household budgeting project. I can't say I was actually aware of it, but when I was a little kid it was 90%. This information is essentially useless you put it in context. How many people ...
by MindBogler
Mon Jan 26, 2015 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scary taxes :(
Replies: 18
Views: 3195

Re: 529 Plans in Danager?

It's what they call a trial balloon in Washington for means tested taxation of all tax advantaged space. It should serve as a warning to anyone who thinks Washington is obligated to deliver on "promises" they've made to the people.
by MindBogler
Thu Jan 22, 2015 10:07 am
 
Forum: Investing - Theory, News & General
Topic: 529 Plans in Danger?
Replies: 21
Views: 1556

Re: Eliminating the "Face Palm" Icon

I think we all need to go to sensitivity training. :oops:

People say a lot of things directly that are more offensive than the various times where the use of the face palm emoticon might have been construed in a condescending manner. That's IMO and we all know what those are worth.
by MindBogler
Fri Jan 16, 2015 5:36 pm
 
Forum: Forum Issues and Administration
Topic: Eliminating the "Face Palm" Icon
Replies: 33
Views: 2310

Re: Swiss franc jumps as SNB abandons ceiling versus euro

Caduceus wrote:^ And some who will be buying Lamborghinis :)

I'm placing my order right now! :sharebeer
by MindBogler
Thu Jan 15, 2015 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2292

Re: Swiss franc jumps as SNB abandons ceiling versus euro

There are going to be some leveraged currency speculators eating dog food tomorrow.
by MindBogler
Thu Jan 15, 2015 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: Swiss franc jumps as SNB abandons ceiling versus euro
Replies: 25
Views: 2292

Re: SIMPLE IRA Question

A few years ago I tried to setup a self-directed SIMPLE IRA (5304-SIMPLE) at Vanguard and they were unequivocal through multiple layers of phone support, supervisors, managers, etc. that they would not. I called multiple times and received the same run around each time, as well as the same answer. A...
by MindBogler
Sat Jan 10, 2015 10:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: SIMPLE IRA Question
Replies: 29
Views: 1413

Re: Mice in the house

I agree with some previous sentiments that, because you have cats, the problem of the existing mice will be solved eventually. What you need to do in the interim is figure out how they got in and seal off that access. No amount of traps, poison or predators will solve the underlying problem. Seal of...
by MindBogler
Sat Jan 10, 2015 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5311

Re: The Bond King says cycle closing and Cash is King

abuss368 wrote:Bill Gross and I are neighbors. He explained this is better detail over cold drinks a few nights ago. I moved all my investments as a result.

I see what you did there. :D :sharebeer
by MindBogler
Wed Jan 07, 2015 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3794

Re: The Bond King says cycle closing and Cash is King

Current valuations agree with his analysis, except no one knows the timing. Expected returns should be lower going forward until earnings grow or prices drop. Let's not ignore the message to spite the messenger.
by MindBogler
Wed Jan 07, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: The Bond King says cycle closing and Cash is King
Replies: 22
Views: 3794

Re: Do commodities provide a real return?

Commodities have no expected real return unless you're an FX trader skilled in front-running orders through clandestine chat rooms.
by MindBogler
Wed Dec 31, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Do commodities provide a real return?
Replies: 25
Views: 1023

Re: How to make more money?

I'm sure they also were in med school when it wasn't as expensive as it is now and at a time when there was more certainty about the industry. I have a few friends my age (same age as the OP, 33) just starting or even trying to get into med school; crazy to think they'll be 40 before they are actua...
by MindBogler
Wed Dec 31, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5591

Re: How to make more money?

At 33, you can still go to medical school, or nursing school - CRNAs for example make good money, like $100k-$200k. Need to take all pre-requisite classes though. This is horrible advice for several reasons. First, look at the AAMC admission statistics sorted by age at matriculation. Over 30 is som...
by MindBogler
Wed Dec 31, 2014 12:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to make more money?
Replies: 53
Views: 5591

Re: Protecting your Windows system from malware

VictoriaF wrote:The linked article is dated 2011-09-27. Many new exploits have been invented since then.

Victoria

-Virtually eliminating virtual risks since 9-27-2011.
by MindBogler
Fri Dec 26, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5215

Re: Square pegs won't go in round holes! Net Worth and Cash

On the contrary, a square peg will fit in a round hole whose diameter is greater than or equal to the length of the hypotenuse bisecting the square into two opposing right triangles.
by MindBogler
Fri Dec 26, 2014 2:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Square pegs won't go in round holes! Net Worth and Cash flow
Replies: 83
Views: 7168

Re: Camcorder vs. iPhone vs. DSLR Camera

I have yet to see a cell phone that could be relied upon for any motion in the frame. Typically you end up with a smear instead of a picture. DSLRs are excellent, even on automatic settings, at capturing objects that refuse to sit still.
by MindBogler
Wed Dec 17, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 39
Views: 2636

Re: What causes NAV to fall?

Year end capital gains distributions.
by MindBogler
Tue Dec 16, 2014 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: What causes NAV to fall?
Replies: 5
Views: 439

Re: "Small-Cap Performance Edge on the Wane"

We were discussing the failure of the "small-cap" premium over the 30 years following Banz's paper. But we're reminded that like the "Dogs of the Dow", when the original strategy wasn't working, they changed the story... Now the premium is only in "small-cap value"... ...
by MindBogler
Fri Dec 05, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7370

Re: "Small-Cap Performance Edge on the Wane"

What are a few good choices accessible to the regular investor?
by MindBogler
Tue Dec 02, 2014 1:05 pm
 
Forum: Investing - Theory, News & General
Topic: "Small-Cap Performance Edge on the Wane"
Replies: 99
Views: 7370

Re: 30% In International Stocks?

I split my stocks 50/50 US and International. It is close to cap weighted but I don't think it really matters in the end. Country risk is the best argument to hold international stocks in such proportions, with Japan as exhibit A. As a side benefit, it is very easy to maintain.
by MindBogler
Sun Nov 23, 2014 4:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: 30% In International Stocks?
Replies: 59
Views: 7096

Re: GAO Concerned your IRA may be too big!

Because he started in 1750 and the investor had over 200 years? I'm guessing that's a typo and he started in 1950. Let's also set aside that someone who was 20 in 1950 is 81 in 2011 and for some reason still not retired despite a theoretical $5M IRA. According to Wikipedia and other sources, IRAs d...
by MindBogler
Fri Nov 21, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 5301

Re: GAO Concerned your IRA may be too big!

Hold the press, I better get my eyes re-examined. I'm off by an order of magnitude: decimals don't equal commas...
by MindBogler
Fri Nov 21, 2014 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 5301

Re: GAO Concerned your IRA may be too big!

There is too much snarky political comments and opinion in this thread, if that is all you have to add then don't bother. Now, I checked the dubious claim that: Large individual and employer contributions sustained over decades and rolled over from an employer plan would be necessary to accumulate a...
by MindBogler
Fri Nov 21, 2014 1:16 pm
 
Forum: Personal Finance (Not Investing)
Topic: GAO Concerned your IRA may be too big!
Replies: 25
Views: 5301

Re: Waitress giving me discount - ethical question

I wouldn't worry about it at all. Unless this is a perm and paper establishment, the house knows about it. On another note, I always give at least a 20 dollar tip per person for home deliveries. Think about it, you're letting a stranger into your home who can case the whole joint. Is rather they lea...
by MindBogler
Sat Nov 15, 2014 7:43 pm
 
Forum: Personal Consumer Issues
Topic: Waitress giving me discount - ethical question
Replies: 62
Views: 9090

Re: Father of eight hasn’t saved a penny for college

I paid for my own college. It builds character.
by MindBogler
Fri Nov 14, 2014 9:52 am
 
Forum: Personal Consumer Issues
Topic: Father of eight hasn’t saved a penny for college
Replies: 47
Views: 2874

Re: TWO home internet connections with two ISPs

DSL is carried on the phone line and Comcast is cable so they will not interfere with one another. You're not going to be able to load share or balance the connections. Set each up with a separate wireless network and swap back and forth as needed. Comcast is hit or miss and I think it just depends ...
by MindBogler
Wed Nov 12, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: TWO home internet connections with two ISPs
Replies: 19
Views: 1416

Re: Trying to add Vanguard index funds to government 457b pl

They didn't charge any extra for the Vanguard funds but the majority of the active funds had an additional amount for Mass Mutual, often around .2%. There were only 2, maybe 3 Vanguard choices (500 index and SC index for sure).
by MindBogler
Tue Nov 04, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Trying to add Vanguard index funds to government 457b plan.
Replies: 11
Views: 1266

Re: Trying to add Vanguard index funds to government 457b pl

For what it is worth, I have at one time or another been covered by a Mass Mutual 457b that contained several Vanguard index funds at the institutional ER%.
by MindBogler
Tue Nov 04, 2014 11:38 am
 
Forum: Investing - Theory, News & General
Topic: Trying to add Vanguard index funds to government 457b plan.
Replies: 11
Views: 1266

Re: A Backtest of the Dividend Growth Model, 1871-2010

TJSI you need to go back and review your notes from algebra and calculus. The Gordon model incorporates dividend yield and you can determine that by looking up its derivation: One of the terms: dividend yield = earnings yield * dividend payout ratio = (EPS / Price per share) * (Dividends / net incom...
by MindBogler
Wed Oct 29, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: A Backtest of the Dividend Growth Model, 1871-2010
Replies: 70
Views: 5020

Re: Marginal Tax Rate on Dual Income Couple

I think the distinction between these two lines of thought falls under the "agree to disagree" column. They're both valid ways of observing the same painting. The glass is half full and empty at the same time.
by MindBogler
Fri Oct 24, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Marginal Tax Rate on Dual Income Couple
Replies: 13
Views: 1278

Re: Which 4 door with 250+ hp

The g35x or the newer g37s are a safe bet. I've had one for 8 years that I purchased 1 year old/slightly used and haven't had a single mechanical problem. Sure I've changed brakes and changed fluids but nothing unexpected has cropped up. It's comfortable and probably too fast but it is very surefoot...
by MindBogler
Sat Aug 09, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Which 4 door with 250+ hp
Replies: 104
Views: 8776

Re: Is 30% SCV/ 70% Bonds really a good idea?

I'm still looking for the answer to the question.
by MindBogler
Wed Aug 06, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Is 30% SCV/ 70% Bonds really a good idea?
Replies: 21
Views: 1992
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