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Re: heartbleed - widespread internet security problem

Something similar to this heartbleed is probably going to be the next black swan event that causes a 50% drop in the market. Imagine if Vanguard, Fidelity, Etrade, etc. were hacked and thousands of users had malicious trades executed. Total chaos and immediate distrust of the internet. It would be ...
by roymeo
Wed Apr 09, 2014 11:27 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 15762

Re: heartbleed - widespread internet security problem

I tested Lastpass.com using their own heartbleed test and it appears that it failed. It also appears to have been possibly compromised by the test of http://possible.lv/ which says it was patched. So if Lastpass could be compromised, would it be advisable to use it? You'll notice LastPass even list...
by roymeo
Wed Apr 09, 2014 11:11 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 15762

Re: heartbleed - widespread internet security problem

The LastPass Vault Security Check feature just told me I have 11 vulnerable sites out of a couple hundred passwords stored, and 2 have now updated their SSL tickets and are ready for be to change my password. I'm not sure that I believe that this lists everything that may have been using OpenSSL, bu...
by roymeo
Wed Apr 09, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 15762

Re: How are you preparing for the coming bear market

Same as it ever was.

I'm still not smarter than the market. I'm not doing anything different for the 'coming bear market' nor the 'coming bull market' that's going to happen both before and after that bear.

roymeo
by roymeo
Sun Apr 06, 2014 12:13 am
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7772

Re: What age did you reach 100K networth?

(please adjust for inflation, report in June 14th, 2013 numbers)
(please adjust for regional CoL differences, set in...Chicago)
by roymeo
Sat Apr 05, 2014 2:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age did you reach 100K networth?
Replies: 264
Views: 31169

Re: best tips for passwords?

telemark wrote:Also exposed a lot of personal information including birth dates. Why Boxee thought they needed that is an interesting question.


COPA.
by roymeo
Thu Apr 03, 2014 12:43 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: best tips for passwords?

See: http://arstechnica.com/security/2013/05/how-crackers-make-minced-meat-out-of-your-passwords/ The howsecureismypassword.net says that the password in the title of that article would take 344 million years to break on a desktop computer. In reality it took a few hours. Awesome article....totally...
by roymeo
Mon Mar 31, 2014 7:11 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: best tips for passwords?

I don't know. I don't "surf" the web. I don't go to sites I do not know. I delete emails from people I do not know without opening them. I do not go to "great link" sites in e-mails from people I do know. I don't click on Facebook links. I have really strong passwords on my e-ma...
by roymeo
Mon Mar 31, 2014 7:03 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: best tips for passwords?

You can test your passwords here. https://howsecureismypassword.net/ Mine all tested that it would take a desktop computer 344,000 years to break it! :shock: That site is pretty terrible, because it only accounts for brute-forcing passwords. In general, the programs out there that try to guess pass...
by roymeo
Sun Mar 30, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: Aargh, investing!!

We eagerly await your proscriptive investment advice.
by roymeo
Fri Mar 28, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 6117

Re: Is there ever a reason to prefer taxable over tax advant

Maybe you're looking at the word "earnings" with a different definition than I'm used to being used when talking about investments. No tax on earnings = "So if I put in $1000 a year for 20 years, I only have to pay taxes on 20,000 when I withdraw 132,164 years later!!!" Turns out...
by roymeo
Thu Mar 27, 2014 11:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: 401K rollover..but told I over contributed after the fac

I had this happen once. I left, I rolled, and then I got hit with the lowered limit for the company and had to pull more out. Vanguard handled it with relatively little problem, took a bit of work on my part, maybe a 3-way call, some paperwork, etc.
by roymeo
Thu Mar 27, 2014 7:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401K rollover..but told I over contributed after the fact??
Replies: 14
Views: 812

Re: Aargh, investing!!

No, you don't know that. You think that. No, I know that. If you think otherwise, then just have the Fed remove its support and let's bet on what happens. I'll even give you good odds. Right now, there's been no signal from the Fed that they're going to stop support in the forseeable future (that I...
by roymeo
Thu Mar 27, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 6117

Re: Is there ever a reason to prefer taxable over tax advant

I'll admit I may have a complete fundamental misunderstanding of the Traditional IRA that I've carried around for 20 years. You are not alone. Many have the same misconception. The Bogleheads book had a table comparing ROTH and tIRA that had unequal starting amounts. Vanguard had an online calculat...
by roymeo
Thu Mar 27, 2014 6:47 pm
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: Is there ever a reason to prefer taxable over tax advant

No, you're not wrong. Traditional IRA's are taxed at withdrawal. Any earnings, dividends, etc. aren't taxed UNTIL withdrawal, though, so the money is able to compound without taxation until withdrawal, so it is a smaller bite, but it's not as if all earnings are tax free. Yes he is wrong. Earnings ...
by roymeo
Wed Mar 26, 2014 5:36 pm
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: Is there ever a reason to prefer taxable over tax advant

No, you're not wrong. Traditional IRA's are taxed at withdrawal. Any earnings, dividends, etc. aren't taxed UNTIL withdrawal, though, so the money is able to compound without taxation until withdrawal, so it is a smaller bite, but it's not as if all earnings are tax free. Yes he is wrong. Earnings ...
by roymeo
Wed Mar 26, 2014 5:08 pm
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: Is there ever a reason to prefer taxable over tax advant

No, you're not wrong. Traditional IRA's are taxed at withdrawal. Any earnings, dividends, etc. aren't taxed UNTIL withdrawal, though, so the money is able to compound without taxation until withdrawal, so it is a smaller bite, but it's not as if all earnings are tax free.
by roymeo
Wed Mar 26, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: Load-Waived A-Share Funds Better Than Indexing?

Of course the active vs passive debate is well known. WITH a load, I understand why active loses to passive every time. But when the load is waived, it seems like actively managed funds actually do better... I was not aware, nor do I believe, that the passive vs. active debate was ever based on gia...
by roymeo
Wed Mar 26, 2014 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Load-Waived A-Share Funds Better Than Indexing?
Replies: 30
Views: 1146

Re: Is there ever a reason to prefer taxable over tax advant

You can't deduct your capital losses in a tax-advantaged account.
by roymeo
Mon Mar 24, 2014 1:42 am
 
Forum: Investing - Theory, News & General
Topic: Is there ever a reason to prefer taxable over tax advantaged
Replies: 48
Views: 4522

Re: Aargh, investing!!

You're talking a huge artificial bubble right now, I'm not sure that "we" are. I think it's sort of undeniable that there's a bubble, but maybe that's just me. The bubble "in the bond market that's going to pop tomorrow" that we've been hearing about for 3 years, or in the equit...
by roymeo
Mon Mar 24, 2014 1:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 6117

Re: Car buying experience. Do I have a case to sue the deal

Check out whether or not your state has a "lemon law". Those generally give car buyers a bit of time to discover problems of that sort and do a return.
by roymeo
Sun Mar 23, 2014 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Car buying experience. Do I have a case to sue the dealer?
Replies: 40
Views: 4404

Re: Aargh, investing!!

That's a lot of wondering for someone who is simultaneously thinking that they're going to be smarter than the market and sell out at the right time (not too soon so you miss out on further gains; not too late that you lose to a fall that really keeps going this time) and then also smarter than the ...
by roymeo
Sun Mar 23, 2014 1:07 am
 
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 6117

Re: Grandmother's trust is being pillaged, as far as I can t

The next question to answer is to find out whether there's been much/any churn on the account. Has someone been chasing returns and/or generating more commissions by moving the money around.
by roymeo
Wed Mar 19, 2014 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Grandmother's trust is being pillaged, as far as I can tell.
Replies: 11
Views: 2492

Re: Aargh, investing!!

1) Once you have enough money in your magical index funds, you can go to upper minimum funds (Vanguard Admiral, Fidelity Advantage) and get even lower ERs in the same fund. This may be a stupid question, but what's the advantage of getting other different index funds? I mean, aren't they all index ...
by roymeo
Wed Mar 19, 2014 6:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Aargh, investing!!
Replies: 79
Views: 6117

Re: Why is index investing better considering these funds

Expenses are important, so is comparing similar funds. If you can find some ticker symbols for those, you can check out what each holds on the Morningstar Instant X-ray. Just enter one symbol for 100% of the portfolio and hit the go button to see what a fund really has in it so you can make sure you...
by roymeo
Tue Mar 11, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Why is index investing better considering these funds
Replies: 23
Views: 3024

Re: non-compete

Back in the paper days, it was relatively easy to say "I'll have to have my attorney look this over" and that was the end of it. With electronic processes (fancy Acrobat workflows, etc.) it can be a lot harder to get your non-compliance overlooked. But, that sounds pretty standard, the poi...
by roymeo
Tue Mar 11, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: non-compete [Employer NDA and Non-Compete agreements]
Replies: 35
Views: 1560

Re: How do I stop worrying about money?

Invest in a small basket of well diversified, low cost, broad based, index mutual funds.
by roymeo
Mon Mar 10, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I stop worrying about money?
Replies: 66
Views: 5574

Re: OMG, There Goes Coinstar?

A couple months ago while traveling in BeNeLux, I discovered that my "get it out of my pockets!" coin-reduction techniques were confusing the tellers. If a bill came to 6,90 and I gave them 8,40 because I was trying to get rid of a bunch of 0,05 or 0,10 pieces, the teller was perplexed and...
by roymeo
Mon Mar 10, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3833

Re: OMG, There Goes Coinstar?

I can't fathom that anyone would pay nearly 10% for this service - but then I'm a Frugal Investor. :wink: If you exchange your coins for gift cards, there is no fee. For example Home Depot, Staples, Sears, JCPenny, Amazon, iTunes, etc. May be handier than finding a bank that will take your coins. I...
by roymeo
Sat Mar 08, 2014 6:56 pm
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3833

Safeway ownership change affects Coinstar? NO.

My local credit union accepts coins, and doesn't take a huge % of it like the grocery store coinstars... ...which are a completely different company. Selling Safeway isn't going to put all the little businesses that sell goods and services inside Safeway out of business. No, Western Union, Red Box V...
by roymeo
Sat Mar 08, 2014 6:16 pm
 
Forum: Personal Consumer Issues
Topic: OMG, There Goes Coinstar?
Replies: 38
Views: 3833

Re: Managing physical checks after mobile deposit

Our credit union says to keep for "only" two weeks. I write the confirmation code-thing on the front of the check in red pen after it goes through. Hasn't caused problems and makes it easy to cross reference when it comes through in checkbook-software downloads. Last week one got rejected ...
by roymeo
Fri Mar 07, 2014 6:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Managing physical checks after mobile deposit
Replies: 7
Views: 616

Re: Understanding credit score

You're not supposed to definitely 'understand' your credit score, the formulas are secret. And when a company is offering tips for what you can do, or what factors may lower your score, they just take whatever things may be impacting you the most and highlight them, even if the reality is something ...
by roymeo
Fri Mar 07, 2014 6:39 pm
 
Forum: Personal Consumer Issues
Topic: Understanding credit score
Replies: 15
Views: 1193

Re: How much is a fair hourly fee?

Seattle, Great explanation. Thanks for getting that part of the discussion back into reality. Man, You should care what the ER doc bills. You pay for it in your insurance premium. The price of insurance depends on the price of medical services. The hospital and doctors negotiate with the insurance ...
by roymeo
Wed Mar 05, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4837

Re: Want to buy but can't find the "right" vehicle - what to

What's the main purpose of the vehicle? Driving conditions? Weather? Cargo needs? Other vehicles? Max distance to travel? Fuel restrictions? Want vs. Need? --- OT: Living in a dense urban environment with no snow, I find it odd that people seem to have a paucity of imagination when considering their...
by roymeo
Wed Mar 05, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Want to buy but can't find the "right" vehicle - what to do?
Replies: 74
Views: 3386

Re: My 401k match

Not a bad match at all, as the others have said, the % match matters only when you take into account the % max. In the software development world I've generally seen 1/1 or 1/2 matches, and usually only up to 3 or 6%. Hopefully the plan is with a company that isn't running away with a lot of it. Tha...
by roymeo
Wed Mar 05, 2014 8:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: My 401k match
Replies: 24
Views: 1410

Re: Why do investors prefer cash dividends?

As people have posted, previously there have been even larger impediments to 'capturing' the supposed dividend bonus (such as a 70% tax rate). So when exactly is it that this 'dividend bonus' became feasible to capture? If today there is indeed a tiny bonus that is hard to capture because of all the...
by roymeo
Wed Mar 05, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5553

Re: best tips for passwords?

You apparently missed the entire discussion about how the "correcthorsebatterystaple" technique has been attacked. Try re-reading the thread. When you start using dictionary words, you don't always have 26 possible characters to follow, messes with the easy 26^ math there. those 10,000 dic...
by roymeo
Wed Mar 05, 2014 7:50 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: best tips for passwords?

I was always a little dubious about the math there...assuming each character had to be randomly cracked, when you just as well could dictionary attack and just need 4 hits in the right order to nail correcthorsebatterystaple. I think you may be misunderstanding how hashes work. You cannot guess a p...
by roymeo
Tue Mar 04, 2014 9:09 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: Why do investors prefer cash dividends?

As people have posted, previously there have been even larger impediments to 'capturing' the supposed dividend bonus (such as a 70% tax rate). So when exactly is it that this 'dividend bonus' became feasible to capture? If today there is indeed a tiny bonus that is hard to capture because of all the...
by roymeo
Tue Mar 04, 2014 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: Why do investors prefer cash dividends?
Replies: 126
Views: 5553

Re: The market is on fire

How many days between those posts about ups have you looked at VTI's price?

(I'll give you a break and not make you count checking on Sat & Sun or other days the market's closed, even if you went and checked.)
by roymeo
Tue Mar 04, 2014 5:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: The market is on fire
Replies: 127
Views: 12458

Re: Banning +1 in Boglehead forums

I've occasionally posted +1's (or other 'noisy' bits) on topics that I'm interested in following via my [View My Posts] because I like that much more than [Subscribe topic] sending me email about a topic.
by roymeo
Tue Mar 04, 2014 4:07 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 2154

Re: How much is a fair hourly fee?

I recall back in the mid 90's seeing conversations about hourly rates being shut down quickly to avoid any sense of 'collusion' on prices (generally on fora for discussing particular programming languages).
by roymeo
Tue Mar 04, 2014 2:22 am
 
Forum: Investing - Theory, News & General
Topic: How much is a fair hourly fee?
Replies: 86
Views: 4837

Re: best tips for passwords?

I was always a little dubious about the math there...assuming each character had to be randomly cracked, when you just as well could dictionary attack and just need 4 hits in the right order to nail correcthorsebatterystaple.
by roymeo
Mon Mar 03, 2014 11:41 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8408

Re: What to say to Non-Savers

2. My mom says "why increase my saving above the company match, I want to enjoy life now", "why save all the money for you and your siblings to fight over". She recently went in her 401k to purchase $49k truck.She says she wants to spend her money anytime she wants. I'd tell my ...
by roymeo
Mon Mar 03, 2014 10:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to say to Non-Savers
Replies: 71
Views: 5177

Re: Can my grandfather take out his IRA and buy a house to r

What are the laws around rent control and renter protection for the area? Wouldn't it be nice to leave a fully paid for house to your heirs that has renters that you have almost no recourse and/or a huge head-ache (and possibly heart-ache) to remove the renters so it can be sold for fair market valu...
by roymeo
Sat Mar 01, 2014 9:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can my grandfather take out his IRA and buy a house to rent?
Replies: 42
Views: 2441

Re: Advice needed on problem neighbors

Anonymously call the cops on yourself sometime there's a wild party that you can hear.

Then you can rightfully tell them "someone called the cops on us."
by roymeo
Sat Mar 01, 2014 9:10 pm
 
Forum: Personal Consumer Issues
Topic: Advice needed on problem neighbors
Replies: 30
Views: 3138

Re: Bitcoin price plunges

...And after spending 5 minutes reading the top hits for MtGox, I see that the flaw in the system appears to be that you could fool their system into duplicating a withdrawl transaction... Which is exactly what all of the bitcoin advocates assured us was impossible . If I recall correctly, we were ...
by roymeo
Thu Feb 27, 2014 9:04 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17953

Re: Should I Get Cheap Personal Loan & Invest It?

+1 on the "high risk tolerance" != "Marc Cuban said it wasn't a good place for reg people"
by roymeo
Wed Feb 26, 2014 9:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Get Cheap Personal Loan & Invest It?
Replies: 72
Views: 3678

Re: Bitcoin price plunges

Bitcoin believers.....ever start to think that Mt. Gox was just a giant scam? Prices were higher on their exchange because they were trying to lure in deposits? They weren't robbed by hackers, instead they just robbed the depositors. I'm not a 'believer', though I'm not a 'denier' either. I don't b...
by roymeo
Wed Feb 26, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Bitcoin price plunges
Replies: 246
Views: 17953
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