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Re: Is social security a good investment?

Yes, it is a good investment as a country. PRESIDENTIAL STATEMENT SIGNING THE SOCIAL SECURITY ACT. AUGUST 14,1935 Today a hope of many years' standing is in large part fulfilled. The civilization of the past hundred years, with its startling industrial changes, has tended more and more to make life ...
by Ricola
Tue Apr 22, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Is social security a good investment?
Replies: 33
Views: 1382

Re: What if a municipality invested

What would be better is a public bank, like the only one in the U.S., 100 year old Bank of North Dakota. see http://banknd.nd.gov/ http://www.nytimes.com/roomfordebate/2013/10/01/should-states-operate-public-banks/why-public-banking-works-in-north-dakota For purposes of the thread, would you mind d...
by Ricola
Tue Apr 22, 2014 2:09 pm
 
Forum: Investing - Theory, News & General
Topic: What if a state invested
Replies: 39
Views: 1009

Re: What if a municipality invested

What would be better is a public bank, like the only one in the U.S., 100 year old Bank of North Dakota. see http://banknd.nd.gov/
http://www.nytimes.com/roomfordebate/20 ... rth-dakota
by Ricola
Tue Apr 22, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: What if a state invested
Replies: 39
Views: 1009

Re: Google Voice Not Supported on OBi Devices After May 15 2

I'll again suggest looking through the other providers you can use with an Obi. OBiTALK Compatible Service Providers: Anveo Broadvoice Callcentric CallWithUs Localphone OneSuite Phone Power Vitelity VoIP.ms VOIPo If you already have an Obi my opinion would be to switch to one above. We use voip.ms,...
by Ricola
Sat Apr 19, 2014 12:07 pm
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2903

Re: Google Voice Not Supported on OBi Devices After May 15 2

runner9 wrote:Lots of voip.ms help on their wiki:

http://wiki.voip.ms/article/Welcome

I did several chat sessions with them from the voip.ms page and they were very helpful and with very limited wait times.


Is this the setup guide you used? http://wiki.voip.ms/article/OBi_100/110 :oops:
by Ricola
Sat Apr 19, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2903

Re: Google Voice Not Supported on OBi Devices After May 15 2

I added voip.ms as a 2nd provider and will ride google voice to its end on my obi. Afterwards will still keep my main number on GV and just forward it to the new number on voip.ms It is not free but cheap enough. We are not using our land line too much so per minute costs don't play a huge role. We...
by Ricola
Sat Apr 19, 2014 2:48 am
 
Forum: Personal Consumer Issues
Topic: Google Voice Not Supported on OBi Devices After May 15 2014
Replies: 57
Views: 2903

Should I be afraid to upgrade from windows 8.0 to 8.1?

We have a couple of new window 8.0 desktop machines that keep asking to be upgraded to 8.1. Web investigations indicate others have experienced problems during the upgrading process and had to revert back to 8.0. This means we will need a couple of 32GB flash drives to copy the 8.0 OS in case we get...
by Ricola
Tue Apr 08, 2014 4:54 pm
 
Forum: Personal Consumer Issues
Topic: Should I be afraid to upgrade from windows 8.0 to 8.1?
Replies: 6
Views: 427

Re: U.S. stocks in freefall

I dropped some coin into the market today, that's a buy signal for me. :sharebeer
by Ricola
Mon Apr 07, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 742
Views: 122891

Re: Why is Joe Brennan defending high frequency trading?

Just stumpled upon this article, and was surprised to see Joe Brennan's position: http://www.bloomberg.com/news/2014-04-03/vanguard-says-minority-of-high-speed-traders-may-abuse.html Regulators should seek ways to prevent abuses without blocking high-speed firms that may actually benefit investors ...
by Ricola
Sat Apr 05, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: Why is Joe Brennan defending high frequency trading?
Replies: 54
Views: 3592

Re: Buying first home in SF - gut check

I may be moving back to SF and have been looking at places to live. As an out of state rental property owner I have a slightly different perspective on property than a home owner. A rule of thumb for valuing a rental property is that the monthly rent should be at least 1% of the purchase price (2% ...
by Ricola
Sat Apr 05, 2014 1:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buying first home in SF - gut check
Replies: 87
Views: 7101

Re: Auto repair - "Threads getting thin in oil pan drain plu

I use Fumoto valves on all of my cars and install them as soon as I get a car. I have a car that is over 20 years old, still be driven with the original Fumoto value, never had a problem. :)

http://www.fumotousa.com/
by Ricola
Sat Mar 29, 2014 12:29 pm
 
Forum: Personal Consumer Issues
Topic: Auto repair - "Threads getting thin in oil pan drain plug"
Replies: 40
Views: 1779

Re: [High-frequency trading hurts regular customers]

I can Suggest the following books: Dark Pool and Quants by Scott Patterson. Real eye-openers. Artificial intelligent algorithms or bots searching for and taking advantage of large fund company trades and lots of other shenanigans. I' am looking forward to watching the Michael Lewis interview. http:/...
by Ricola
Sat Mar 29, 2014 12:15 am
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6255

Re: What's your dream car?

For commuting I dream of driving a CHP car. I wouldn't have to abide by any speed limits or any other mortal driving rules, and the intimidation factor cannot be beat. :)

Image
by Ricola
Mon Mar 17, 2014 12:32 pm
 
Forum: Personal Consumer Issues
Topic: What's your dream car?
Replies: 177
Views: 8955

Re: What Book Are You Currently Reading? Part V

Biocentrism: How Life and Consciousness are the Keys to Understanding the True Nature of the Universe, by Robert Lanza The Fabric of the Cosmos: Space, Time, and the Texture of Reality, by Brian Greene Quantum: Einstein, Bohr, and the Great Debate about the Nature of Reality "Quantum theory is ...
by Ricola
Wed Mar 12, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602762

Re: Market Crash Stategies?

Understand first that the stock market is risky. Meaning it is full of the possibility of danger, failure, or loss. Assume the stock market will crash at some unknown time. The depth and breadth will be unknown. Also, realize that the stock market can produce higher returns than most other passive i...
by Ricola
Thu Feb 20, 2014 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3138

Re: Met a guy at an HFT firm - keeps all his money in cash!?

Not sure if I understand. He makes his money from HFT trades, or he makes his money from his HFT business? If it's just his business, well that could be something like a fund or hedge manager making money from clients, not investments. If he makes his money from using "very low-volatility, high...
by Ricola
Fri Feb 07, 2014 12:34 pm
 
Forum: Investing - Theory, News & General
Topic: Met a guy at an HFT firm - keeps all his money in cash!?
Replies: 26
Views: 2744

Re: The inevitability of rising inflation--is it so?

Inflation seems unlikely or at least unlikely to sustain itself for any significant period when reading articles such as this:
http://www.nytimes.com/2014/01/03/world ... world&_r=0
by Ricola
Sat Jan 04, 2014 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: The inevitability of rising inflation--is it so?
Replies: 130
Views: 7129

Re: Invest all at once or DCA-one of most asked questions I

I followed this advice as well and went all in. It was summer of 2007. One of the worst times ever to follow this advice. All I can say is that even though lump sum has a higher probability over DCA, you better make sure you can tolerate the losses if it doesn't. Because there are times when it doe...
by Ricola
Fri Jan 03, 2014 4:48 pm
 
Forum: Investing - Theory, News & General
Topic: Invest all at once or DCA-one of most asked questions I get
Replies: 125
Views: 5469

Re: Frugal suit purchase options--need, but don't want

Aesthetics, ethics, and many good things in humans are contagious.”
― Nassim Nicholas Taleb
by Ricola
Thu Jan 02, 2014 6:13 pm
 
Forum: Personal Consumer Issues
Topic: Frugal suit purchase options--need, but don't want
Replies: 52
Views: 4201

Re: The inevitability of rising inflation--is it so?

I liked Larry's article. Personally, with poor Jobs growth and Real Income of the labor force continuing to decline I am not worried about inflation.

http://go.bloomberg.com/market-now/2013 ... ng-income/
by Ricola
Wed Jan 01, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: The inevitability of rising inflation--is it so?
Replies: 130
Views: 7129

Re: Just returned new laptop with Window 8.1

Similarly, I replaced my desktop last week with a new dell which has windows 8. As with our other windows 8 computer, I immediately downloaded ClassicShell and configured so I never see the metro screen. However after reading about windows 8.1 upgrade comments I am going to stick with 8 until I hear...
by Ricola
Fri Dec 27, 2013 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Just returned new laptop with Window 8.1
Replies: 104
Views: 7826

Re: Best Human Capital investment

"daughter #1 just finished her PhD in molecular biochemistry. at a Top Ranked University. She was on a full ride so no tuition." Congratulations Dad and Daughter :sharebeer With the money you saved and the lifetime accomplishment she has earned, why are you even thinking about lost opportu...
by Ricola
Thu Dec 19, 2013 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Human Capital investment
Replies: 9
Views: 789

Re: “The Queen of Versailles"

Agree this movie should be mandatory financial education. I suppose what really struck me among other things was the filth tolerated in the house, their business sales hype, the poor servants, and the wink & nod comment about swaying the election. Embarrassing too that the characters encapsulate...
by Ricola
Thu Dec 19, 2013 12:43 pm
 
Forum: Personal Consumer Issues
Topic: “The Queen of Versailles"
Replies: 32
Views: 2148

Re: Life after Windows XP?

Personally I would not bother trying to upgrade the OS. We had one of our home pc's getting too old and purchased a little 2 core Gateway (see link) at Walmart. It has windows 8 and just download Classic Shell to make it work like XP. It's smooth as silk and easy to use. :D http://www.walmart.com/ip...
by Ricola
Tue Dec 17, 2013 7:26 pm
 
Forum: Personal Consumer Issues
Topic: Life after Windows XP?
Replies: 117
Views: 6066

Re: What's your definition of "drive it into the ground?"

He has done it! - Irv Gordon reaches 3 million miles in his 1966 Volvo 1800S https://www.media.volvocars.com/global/en-gb/media/pressreleases/132627/he-has-done-it-irv-gordon-reaches-3-million-miles-in-his-1966-volvo-1800s Irv's not into the ground yet. I hear he's willing to sell for $1 per mile. :D
by Ricola
Wed Dec 11, 2013 3:37 pm
 
Forum: Personal Consumer Issues
Topic: What's your definition of "drive it into the ground?"
Replies: 50
Views: 3299

Re: Windows desktop recommendations

You may want to look at Costco and Costco online. They have a Dell XPS i7 4th generation desktop for $699. Costco also warranties for 2 years. Also a Dell 660 i5 3rd gen for $499, and Dell 660 i3 for $399.
by Ricola
Sun Dec 01, 2013 3:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Windows desktop recommendations
Replies: 13
Views: 787

Re: Shiller P/E 10 hits 25

This has got to be the biggest market timing thread on this forum. I'm surprised that market timing has this much support here! This would look more normal on any number of trading forums but not this one. +1 Trees don't grow to the sky, so fear is setting-in. Discussion is all about how thin the a...
by Ricola
Sun Dec 01, 2013 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Shiller P/E 10 hits 25
Replies: 268
Views: 15766

Re: New PenFed CD rates!

Note the early withdrawal penalties: Certificates with a term of 5 years or greater; (applies only to certificates issued or rolled over on 3/15/11 or later) If redeemed within 365 days of the issue date or any renewal date, all dividends will be forfeited. If redeemed thereafter, but before the mat...
by Ricola
Sun Dec 01, 2013 3:22 am
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33198

Re: New Member but Old Investor - Case For Cash

Not an issue...Cash is a Position. I agree with your concern. Conventional wisdom or noise anticipates everything going back to normal since 2008, thus the continued discussion of planning for higher interest rates. I remember 2008 way too clearly. This economy is still on life support. The damage d...
by Ricola
Fri Nov 29, 2013 8:11 pm
 
Forum: Investing - Theory, News & General
Topic: New Member but Old Investor - Case For Cash
Replies: 19
Views: 1568

Re: intermediate corporates as bond strategy?

I guess when it comes down to it, choosing between TBM or an intermediate investment-grade bond fund doesn't really matter much, short of something like the Great Depression happening again. Conventional wisdom or noise anticipates everything going back to normal since 2008, thus the continued disc...
by Ricola
Fri Nov 29, 2013 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: intermediate corporates as bond strategy?
Replies: 25
Views: 2140

Re: What Book Are You Currently Reading? Part V

Getting ready to read Biocentrism by Dr. Robert Lanza. Have been reading reviews and commentary about this book online and also some youtube videos explaining Biocentrism. Really makes one re-think their understanding of our existence, the universe, and what is being learned in modern day physics.
by Ricola
Fri Nov 29, 2013 1:13 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602762

Re: Eyeglass Lenses @ Costco

Highly recommend Costco eyeglasses. Experience, price, and quality have been great. :D
by Ricola
Thu Nov 28, 2013 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 3175

Re: Lease or buy a car?

Leasing is just another form of financing. I done both leasing and purchasing new/used. Something to consider is the type of car. I purchased a used European car once that by the time I sold it I felt like i had purchased the car twice due to repairs and maintenance. Afterward I calculation my total...
by Ricola
Sat Nov 23, 2013 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lease or buy a car?
Replies: 33
Views: 2963

Re: Casio G-Shock

Still wearing by Casio 2608 G-Shock solar powered, atomic time, world time watch that I received sometime in the 1990's. Only problem is I have to button long sleeve shirts above the watch due to its size, but not a problem as I am conditioned to do this without even thinking about it. Highly Recomm...
by Ricola
Sat Nov 23, 2013 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Casio G-Shock
Replies: 22
Views: 1161

Re: Important Change to Ally CDs [turned into search tips]

I am good with the topic, first I've heard of Ally CD changes.
by Ricola
Mon Nov 11, 2013 2:06 pm
 
Forum: Forum Issues and Administration
Topic: Important Change to Ally CDs [turned into search tips]
Replies: 23
Views: 2055

Re: Suze Orman on NBC Nightly News

Anyone remember Elaine Garzarelli?...believe she won the "One Hit Wonder Award". Was correct on the 1987 crash and then was amazingly bullish right up to every other major downturn afterword. :oops:
by Ricola
Wed Oct 16, 2013 3:46 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman on NBC Nightly News [doesn't like bond funds]
Replies: 46
Views: 6966

Re: iGoogle alternatives?

I use igoogle daily and looking into alternatives believe I will go with ighome. Pretty close to igoogle and hopefully they will get more apps soon. I am still not convinced about the safety of giving ighome my google email password, but I would really like to incorporate my email and calendar into ...
by Ricola
Sat Oct 05, 2013 12:49 pm
 
Forum: Personal Consumer Issues
Topic: iGoogle alternatives?
Replies: 21
Views: 2407

Re: Job and hour loss starting October 1st.

Sad to say but this is the new norm for our economy. ref:

http://www.epi.org/publication/time-per ... ss-todays/
by Ricola
Fri Oct 04, 2013 12:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Job and hour loss starting October 1st.
Replies: 14
Views: 2680

Re: The Eisenhower Recovery

Fooled by randomness :wink:
by Ricola
Thu Oct 03, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: The Eisenhower Recovery
Replies: 26
Views: 2624

Re: Most Americans Consider Themselves to be Middle Class (W

This subject gets into the economics area of class theory, which unfortunately many cannot discuss without making it political. So I will just say the perception of the middle class of today is much different and deflated from the middle class of say the 1950's.
by Ricola
Fri Sep 13, 2013 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most Americans Consider Themselves to be Middle Class (WSJ)
Replies: 9
Views: 1503

Re: What is the current equity risk premium, and how calcula

The ERP is routinely reported in the Economist magazine, believe author is Aswath Damodaran, and most recently reported as historically high.
by Ricola
Fri Sep 13, 2013 11:45 am
 
Forum: Investing - Theory, News & General
Topic: What is the current equity risk premium, and how calculated?
Replies: 31
Views: 1874

Re: Are you an Iphone or Android guy?

Symbian "dare to be different"
by Ricola
Wed Sep 11, 2013 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Are you an Iphone or Android guy?
Replies: 112
Views: 6602

Re: PenFed Visa card for Gas program changing, now with a fe

Even if keeping the card it is basically just a gas card now that they removed all other incentives. Amex looking better now.
by Ricola
Sat Sep 07, 2013 3:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: PenFed Visa card for Gas program changing, now with a fee.
Replies: 115
Views: 9976

Re: I just don't get this rise in interest rates

I' am guessing the Banks just want to charge higher interest rates while continuing to lower what they are paying in savings rates, and firing their mortgage brokers ...thus increasing profits.
by Ricola
Thu Sep 05, 2013 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: I just don't get this rise in interest rates
Replies: 104
Views: 6878

Re: Inherited House w/ Mortgage. Rental Property?

You could hire a property management company but you will still be responsible for expenses. From everything I have read so far, my vote would be to sell it.
by Ricola
Mon Sep 02, 2013 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Inherited House w/ Mortgage. Rental Property?
Replies: 66
Views: 4528

Re: What Book Are You Currently Reading? Part V

After seeing the Jack Reacher movie I had to read one of the Lee Child novels. Finished Killing Floor, then 61 Hours and Worth Dying For. Very entertaining and will be adding some more of this series. I've read most of the Lee Child novels. Did you like Tom Cruise as Jack Reacher? Not having read t...
by Ricola
Thu Aug 29, 2013 4:07 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602762

Re: What Book Are You Currently Reading? Part V

After seeing the Jack Reacher movie I had to read one of the Lee Child novels. Finished Killing Floor, then 61 Hours and Worth Dying For. Very entertaining and will be adding some more of this series.
by Ricola
Thu Aug 29, 2013 3:23 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 2633
Views: 602762

Re: the state of unfunded state pension obligations

These are merely symptoms of the larger systemic problems we are experiencing with our economic system.
by Ricola
Thu Aug 29, 2013 11:35 am
 
Forum: Investing - Theory, News & General
Topic: the state of unfunded state pension obligations
Replies: 90
Views: 5206

Re: Best online values for new laptops?

Costco or Walmart for convenience or return if necessary.
by Ricola
Sat Aug 17, 2013 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Best online values for new laptops?
Replies: 18
Views: 1690
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