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Re: Dell computer warranty upgrades

A low-end desktop computer isn't likely to be worth very much after you've been using it for 3 to 5 years. The $95 warranty cost is probably a very large fraction of what value the computer will have left when it takes effect.
by patrick
Mon Aug 18, 2014 11:48 pm
 
Forum: Personal Consumer Issues
Topic: Dell computer warranty upgrades
Replies: 5
Views: 332

Re: Defined Benefit Plan Costs?

The actual cost of a defined benefit plan is always going to be unknown. The amount of money that actually must go in will depend on how the plan investments perform. For corporate (not government) plans the standard rule is based on bond yields so that more money has to be in the plan for it to be ...
by patrick
Mon Aug 18, 2014 7:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit Plan Costs?
Replies: 36
Views: 1743

Re: Mac Airbook

The Windows version of Safari is not being updated any more -- I wouldn't expect it to match the Mac Safari.
by patrick
Wed Aug 13, 2014 10:33 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3129

Re: Mac Airbook

In general it should be possible to open Word/Excel documents using the usual Mac software, though for some very complex/bizarre documents there may be problems. If you want to check this in advance, you can install LibreOffice or AbiWord/Gnumeric, all of which are free, on your PC now to see how we...
by patrick
Wed Aug 13, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: Mac Airbook
Replies: 38
Views: 3129

Re: Too Good to be True? Universal Life

The insurance policy would not normally be free. There should at least be a cost of insurnce charge which could be higher than the price of purchasing insurance elsewhere.
by patrick
Tue Aug 12, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Too Good to be True? Universal Life
Replies: 11
Views: 1070

Re: Two factor identification and your password safe

It is possible that your password could be cracked more easily than indicated on that site. For example, if your password is qwertyuiopasdfghjklzxcvbnm it will be cracked very quickly even though 26 random lowercase letters would indeed be virtually uncrackable. Beyond that, there are other problems...
by patrick
Sun Aug 10, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 1998

Re: Need for International Investing ?

If needing it means that disaster is likely without it, then (if you are a US investor) you don't need international investing. You will probably come out OK if you have only US investments. But by that definition, you don't need US investments either. You will probably come out OK with non-US inves...
by patrick
Sun Aug 10, 2014 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need for International Investing ?
Replies: 49
Views: 2532

Re: More on Computer Security

Holding computers for ransom first happened over 20 years ago -- see http://en.wikipedia.org/wiki/AIDS_(trojan_horse)
by patrick
Sun Aug 10, 2014 2:00 pm
 
Forum: Personal Consumer Issues
Topic: More on Computer Security
Replies: 17
Views: 1614

Re: Dave Ramsey still defending 12% and still angry at "nerd

Ramsey has been around a long time. There ought to be quite a cohort of bitter and disillusioned broke people to hear from by now. It is not "preposterous" to insist upon a balance of evidence. We have positive affirmations of great actual good, from your fellow Bogleheads no less; and di...
by patrick
Sun Aug 10, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22347

Re: Dave Ramsey still defending 12% and still angry at "nerd

Is anyone aware of actual people who have followed chameleon's scenario and been done to their doom? Sure it could happen that way - but did it? I would actually like to know. In other words, you admit that Ramsey's advice is wrong, but defend him by saying that no one has a actually followed his w...
by patrick
Sun Aug 10, 2014 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey still defending 12% and still angry at "nerds"
Replies: 194
Views: 22347

Re: It won't matter if your password gets stolen

What's the limitation of 2 factor authentication (password + single use key on phone/device)? Seems plenty safe to me for all practical purposes. All the bad guys have to do is take over whatever machine you access the supposedly secure service from. Then they just wait for you to log in (entering ...
by patrick
Sat Aug 09, 2014 6:23 pm
 
Forum: Personal Consumer Issues
Topic: It won't matter if your password gets stolen
Replies: 20
Views: 2371

Re: Intel Core processors - i3 2014 vs older i3 or other?

To see some hard numbers on performance look at http://www.cpubenchmark.net/high_end_cpus.html which has a huge list of CPUs. Note also that in many cases, the CPU is not the main factor determining the computer's performance, and furthermore many tasks won't really use all the cores so the single c...
by patrick
Fri Aug 08, 2014 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Intel Core processors - i3 2014 vs older i3 or other?
Replies: 16
Views: 1405

Re: Recent Barron's Article on Risks of ETFs

1) The arbitrage isn't free but shouldn't cost much in ordinary circumstances. After all, if one AP is offering to sell a basket for 1% more than it costs to create it, another AP can come in and offer for 0.5% more than it costs to create it and still make a profit. This is not hidden since it is r...
by patrick
Wed Aug 06, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Recent Barron's Article on Risks of ETFs
Replies: 10
Views: 1101

Re: Using a credit card to buy/sell bitcoin, Make $ volatili

Although one of the articles describes this as a fiasco it is not that different from trading stocks. When you trade stocks you need to know the buy and sell price and pay taxes on the gains, just like with bitcoins. Beyond the taxes on bitcoin gains, note there may be additional regulatory requirem...
by patrick
Wed Aug 06, 2014 7:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Using a credit card to buy/sell bitcoin, Make $ volatility
Replies: 7
Views: 741

Re: Stocks: losing money for 20-30 years not uncommon

Note that you can't necessarily seek safety from this possibility in bonds. US bonds, for instance, have had more than 40 year periods of negative returns.
by patrick
Tue Jul 29, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 4282

Re: Is tax deferment overvalued?

It is not a question of ordinary income taxes versus capital gains taxes. It is a question of ordinary income taxes only (if using the traditional IRA/401K) versus ordinary income taxes PLUS capital gains taxes (when using a taxable account you pay ordinary income tax when you receive the income, th...
by patrick
Sat Jul 26, 2014 11:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is tax deferment overvalued?
Replies: 20
Views: 2484

Re: Merton: 401(k) retirement plans face crisis

If I could summarize the majority of the comments on this (and every other board) with regard to the core Merton concept, that retirement investing should be about minimizing the risk of a shortfall, as opposed to building the biggest nest egg, it comes down to this: "Everything I've read says...
by patrick
Thu Jul 10, 2014 1:06 am
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 17518

Re: Transplant hard drive from old to a new laptop?

Here is a tutorial for preparing a Windows 7 installation to run on different hardware: http://www.sevenforums.com/tutorials/135077-windows-7-installation-transfer-new-computer.html I think it should be possible (except perhaps if you are getting an ultra-thin laptop) to move the hard disk, since th...
by patrick
Tue Jul 01, 2014 9:06 pm
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 728

Re: Merton: 401(k) retirement plans face crisis

Thirty years ago, the evidence that stocks outperformed bonds was even weaker than it is today. It was not something one would easily have predicted over bond performance at that time, as you seem to believe. I'm sure you are aware of Robert Shiller's work (Irrational Exuberance), but to reiterate,...
by patrick
Sun Jun 29, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 17518

Re: Merton: 401(k) retirement plans face crisis

Did is surprise you to discover that there had been a 30 year bull market in Treasury bonds only after it was over? Did you even know it was going on? My guess is not, because Wall St. had no interest in telling anybody this, because it couldn't get rich telling people to buy T-bonds through Treasu...
by patrick
Sat Jun 28, 2014 11:35 pm
 
Forum: Investing - Theory, News & General
Topic: Merton: 401(k) retirement plans face crisis
Replies: 188
Views: 17518

Re: Buy A New Windows Computer Now?

Another factor to consider. A desktop running 24/7 uses a lot of electricity. I have a Kill-O-Watt and was shocked at how much electricity a middle powered desktop uses. I had a Windows Home Server running 24/7 to share media. That thing used ~$20 of electricity/month. A laptop that you allow to &q...
by patrick
Wed Jun 25, 2014 7:41 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2957

Re: World Market Cap Representation

For many companies, especially in emerging markets, many of the shares in the hands of large strategic shareholders such as the government or company founders. The Vanguard fund uses a float-adjusted index, which means that the portion of market cap held by the strategic shareholders are not counted...
by patrick
Sun Jun 22, 2014 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: World Market Cap Representation
Replies: 4
Views: 559

Re: Help with fees assessment on 403B

The listed total operating expenses should be the total fee (except that, like everywhere else, it doesn't included trading costs inside the fund). The funds you lists are regular mutual funds so you can look up the returns of the funds themselves and compare that with compare your return inside the...
by patrick
Wed Jun 18, 2014 2:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with fees assessment on 403B
Replies: 3
Views: 241

Re: Should international travel impact your investments?

Dale_G wrote:I hold the market weight in equities in developed and emerging markets, but almost nothing in frontier markets.


For frontier markets, "almost nothing" is the market weight.
by patrick
Tue Jun 17, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Should international travel impact your investments?
Replies: 30
Views: 1889

Re: Would any number make you change your asset allocation?

I don't understand posters who must stay the course regardless of any change in market conditions. Its like not opening an umbrella when the rain and lightning starts because you know the sun will come out eventually. The difference, of course, is that most of us are able to tell whether there is r...
by patrick
Sat Jun 14, 2014 7:27 pm
 
Forum: Investing - Theory, News & General
Topic: Would any number make you change your asset allocation?
Replies: 58
Views: 3501

Re: The Telltale Chart, a terrific tool!

I used the returns, after fees, of real Vanguard funds, and I adjusted for inflation using the CPI-U. What's wrong with that? These returns certainly can't be from real Vanguard index funds, since there are no index funds that go all the way back to 1971. If you're willing to use something other th...
by patrick
Sat Jun 14, 2014 6:35 pm
 
Forum: Investing - Theory, News & General
Topic: The Telltale Chart, a terrific tool!
Replies: 38
Views: 3138

Re: Is your computer protected?

Thanks to the OP. I discovered and removed a Java Exploit. I was using Microsoft Security Essentials. I was doing weekly full scans, but recently changed to quick scans because I was worried about wear and tear on my HD. That may be why it was not caught. The tool I downloaded from Microsoft found ...
by patrick
Mon Jun 09, 2014 11:22 pm
 
Forum: Personal Consumer Issues
Topic: Is your computer protected?
Replies: 39
Views: 4392

Re: Why have more than 70% stocks?

The reason for having more than 70% stocks is that you don't trust the chart. The historical equity premium has been much higher than 1.5% both in the US and abroad. More importantly, the worst case for fixed income is much worse than shown in the chart! If bills actually means 3-month treasury bill...
by patrick
Mon Jun 09, 2014 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more than 70% stocks?
Replies: 12
Views: 1498

Re: TIPS, debt as inflation hedge, and international TIPS.

Lending money at a lower interest rate while simultaneously borrowing at a higher rate is indeed usually harmful. But with a mortgage there are some special issues to consider: First, the matter of taxes. Since there is a tax deduction on mortgage interest, the cost of the interest may be less than ...
by patrick
Mon Jun 09, 2014 1:20 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS, debt as inflation hedge, and international TIPS.
Replies: 5
Views: 394

Re: Laptop (Win7 Pro) Remote Lock & Wipe

If you want to protect confidential data, encryption is probably better than remote wiping. The wipe only works after realize what happened and the wipe command gets through. Unlike a phone, there's a good chance the laptop won't be connected to the network continuously, so you may have to wait a lo...
by patrick
Sun Jun 01, 2014 1:58 am
 
Forum: Personal Consumer Issues
Topic: Laptop (Win7 Pro) Remote Lock & Wipe
Replies: 15
Views: 1327

Re: Gold: old vs new theories

As a wild guess I'll say performance chasing. The huge gold price increases during the 1970s made gold popular, so it was recommended in the 1980s magazines. After gold went down for many years it became less popular and so would have eventually been taken out. Of course, now that everyone knows abo...
by patrick
Fri May 30, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: Gold: old vs new theories
Replies: 5
Views: 754

Re: Bitcoins as investment

I'm telling you so now and I'm saying "I told you so" in advance to get it out of the way. Almost up to $600 now. Recommended: http://www.coindesk.com/7-things-every-misinformed-person-says-bitcoin/ Normally saying "I toldo you so" means that you were pproven right and others we...
by patrick
Fri May 30, 2014 9:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 210
Views: 13927

Re: TrueCrypt possibly compromised/unsafe to use.

I suppose the Lavabit scenario would make sense. Would TrueCrypt's founders really just hand over the cryptographic key? It would make sense to shut it down if it really got forced to, perhaps they don't have a legal defense fund. Such a thing shouldn't happen. There's no reason they would need to ...
by patrick
Wed May 28, 2014 10:34 pm
 
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 61
Views: 6006

Re: Need laptop advice. Lenovo IdeaPad S210 59387503?

It should be sufficient for such uses ... provided you don't mind editing your documents on a screen that is only 11.6 inches across.
by patrick
Tue May 27, 2014 10:52 pm
 
Forum: Personal Consumer Issues
Topic: Need laptop advice. Lenovo IdeaPad S210 59387503?
Replies: 10
Views: 514

Re: Jack Bogle - International Bonds

rob: there is one objective factor that makes US stocks better than their foreign counterparts for US investors, and that's currency risk. While averaging to zero, it's still a risk that doesn't get rewarded , or if you prefer it doesn't get rewarded the same for the US investor as for the foreign ...
by patrick
Tue May 27, 2014 10:36 pm
 
Forum: Investing - Theory, News & General
Topic: Jack Bogle - International Bonds
Replies: 57
Views: 3232

Re: Bitcoins as investment

boglerocks wrote:It's back everyone. I'll get this out of the way in advance: I told you so.

EDIT: Up ~30% in the last ~3 days.


Did you tell us so? Which one of your posts contain the advance prediction that is specific enough that its accuracy can be verified?
by patrick
Sun May 25, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bitcoins as investment
Replies: 210
Views: 13927

Re: Jefferson National VA now charging for Low Cost Funds

Adding .35 seems to be fairly close to the Vanguard annuity costs. For smaller balances it comes out cheaper than 20 a month.
by patrick
Sat May 24, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: Jefferson National VA now charging for Low Cost Funds
Replies: 12
Views: 1464

Re: New Boglehead'er - Investment Critique

You could lower your costs by not using the high cost international fund in the 401k. You could still have plenty of investments in international stocks if you used low cost international funds outside the 401K instead.
by patrick
Sat May 24, 2014 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Portfolio Layout?
Replies: 15
Views: 1869

Re: cable cutting questions

After reading all this I've never felt so far behind the technology curve :confused You may not be as far behind as you think. Whatever device -- whether PC, Mac, tablet, or smartphone -- you use to post on bogleheads is probably also capable of streaming video off Netflix, Amazon, and Hulu, among ...
by patrick
Fri May 23, 2014 7:42 pm
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 5092

Re: 401K offering VAIPX soon. Good news or yawn?

If you are going to hold for 30 years, interest rate increases would be a good thing for you. The initial capital loss would be more than outweighed by higher interest payments later.
by patrick
Fri May 23, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K offering VAIPX soon. Good news or yawn?
Replies: 3
Views: 540

Re: Fidelity Brokerage Link

I have used Fideliy Brokeragelink. It works about the same as a regular retail Fidelity account. This means a large commission to trade Vanguard mutual funds. However it also allows commission free trades of Fidelity funds including there index funds, as well as some low cost ETFs.
by patrick
Fri May 23, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Brokerage Link
Replies: 12
Views: 898

Re: eBay Hit with Security Breach, Change Password!

And if you used the same login and password on multiple sites, as many people do, the badguys would get access to your other accounts too. [honest, serious question] How do they know what other sites I use? They don't, but they can try your login and password at a bunch of different places, such as...
by patrick
Thu May 22, 2014 7:21 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1570

Re: eBay Hit with Security Breach, Change Password!

if the encrypted passwords were stolen wouldn't the hackers need to decrypt them first? Yes, but if hackers can get the passwords they might be able to get the means to decrypt. Encryption is not a recommended way to secure passwords for a web site, they should be hashing and salting. There's a lot...
by patrick
Thu May 22, 2014 7:08 pm
 
Forum: Personal Consumer Issues
Topic: eBay Hit with Security Breach, Change Password!
Replies: 19
Views: 1570

Re: cable cutting questions

For those of you who cut cable did you have both Tivo and Hulu Plus or one of them. I am trying to understand why I should keep either of them or both. I don't want to store the shows on media center pc or apple tv. Thanks I have done it without either of those devices, just using the PC. If using ...
by patrick
Thu May 22, 2014 12:37 am
 
Forum: Personal Consumer Issues
Topic: cable cutting questions
Replies: 49
Views: 5092

Re: Help with Adjustable Life Policy

Some further details to note: It looks like this policy has a loss since the premiums paid over 12 years are much higher than the cash value, so there should be no taxes due on surrendering this particular policy. If you really want to keep a policy that is headed for a crash, you can usually do so ...
by patrick
Wed May 21, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Adjustable Life Policy
Replies: 4
Views: 183

Re: Help with Adjustable Life Policy

There are various kinds of cash value life insurance, each of which has its own quirks. The general way that they can provide permanent insurance for a "low" premium is that the "low" premium is actually high at young ages. The chance of an initially healthy young person dying in...
by patrick
Wed May 21, 2014 7:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with Adjustable Life Policy
Replies: 4
Views: 183

Re: More evidence of the predicted bond apocalypse

Let me put it another way: If I have a 1 year $10,000 treasury that returns 4%, I will have $10,400 after one year. So far, so good. If inflation was 2%, I will have come out $200 ahead. Almost right, though actually only $196.08 ahead since all of your $10400 is subject to inflation, not just the ...
by patrick
Sun May 18, 2014 1:53 am
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4042

Re: More evidence of the predicted bond apocalypse

I am sorry but I don't think your analysis is useful. I do want to understand this correctly so please kindly be sure to point out how I am wrong if that is the case. Thanks for your help understanding. If I were to buy a $10k worth of treasuries in 1941, in 1951 I'd have $12763.43. (10 years compo...
by patrick
Sun May 18, 2014 1:31 am
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4042

Re: More evidence of the predicted bond apocalypse

Think about the situation of someone who had invested in 10-year US treasury bonds from the end of 1940 to 1981. From the data on http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html you see that an initial investment of $10,000 would have become $29,685, not accounting for tr...
by patrick
Sat May 17, 2014 10:18 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4042

Re: More evidence of the predicted bond apocalypse

Think about the situation of someone who had invested in 10-year US treasury bonds from the end of 1940 to 1981. From the data on http://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html you see that an initial investment of $10,000 would have become $29,685, not accounting for tra...
by patrick
Fri May 16, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: More evidence of the predicted bond apocalypse
Replies: 38
Views: 4042
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