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Re: Online privacy and smartphones

It really astonishes me how much people are allowing their privacy to be invaded. 1984 is here, just a little late. Recording cameras everywhere (I'm on candid camera in my yard, let alone public places, due to the neighbor's outside cameras), all telephone calls recorded, all Internet traffic reco...
by tc101
Sun Sep 28, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1239

Re: Online privacy and smartphones

This article by Clark Howard was very helpful. I am not as alarmed as when I started this thread.

http://www.clarkhoward.com/news/clark-h ... ger/ngzMD/
by tc101
Thu Sep 25, 2014 10:01 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1239

Re: Online privacy and smartphones

I downloaded Facebook, Twitter, etc and they all pretty much have a laundry list of things they access.


So like most everybody, you decided that the convenience of the app outweighed the loss of privacy. I guess I feel the same, until someone convinces me otherwise.
by tc101
Thu Sep 25, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1239

Re: Online privacy and smartphones

So if you use a smart phone there are a lot of corporations out there who know where you are, can look out through your camera, can read all your email, your calender, your contacts, view all your photos, everything. Does this matter? Does it matter enough to stop using smart phones? Who has been hu...
by tc101
Thu Sep 25, 2014 3:03 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1239

Online privacy and smartphones

First I will ask a very specific technical question, and then in the next post I will go into a more general discussion of online privacy When you install uber car on an android smart phone, it asks for permission to access storage and location, which I understand, but also my camera, phone calls, c...
by tc101
Thu Sep 25, 2014 3:00 pm
 
Forum: Personal Consumer Issues
Topic: Online privacy and smartphones
Replies: 20
Views: 1239

Re: What to do with small variable annuity at Vanguard?

If you die at 75, it's a bad deal; if you live to 95, it's great. If the income stream would help make your monthly expenses, it's a safer way to go. I plugged age 65 and $25,000 into http://www.immediateannuities.com and got $139/month for a male and $132/month for a female. Those are both lower t...
by tc101
Thu Sep 25, 2014 2:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with small variable annuity at Vanguard?
Replies: 3
Views: 238

Re: Fed: Do I need long term disability insurance?

Lots has been written here over the years about long term disability insurance. Read some of the old threads. I came to the conclusion that it is not a good idea. I wrote about that in detail in old threads.
by tc101
Thu Sep 25, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fed: Do I need long term disability insurance?
Replies: 9
Views: 505

What to do with small variable annuity at Vanguard?

I am about to turn 65. I have a variable annuity at vanguard with about $25K. This is from an old annuity my father bought for me when I was a kid, that I rolled over to Vanguard 20 years ago. If I annuatized it at 65 I would get about 7.5% return for life. I would be 78 before I even got the princi...
by tc101
Thu Sep 25, 2014 1:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with small variable annuity at Vanguard?
Replies: 3
Views: 238

Re: inherited 500k, still a college student, how to invest??

Warning. Be very careful. I am 64. Everyone I know who inherited large amounts of money in their 20's was hurt by it. They started out with good intentions but eventually they all ended up not working and living off the inheritance. When the money ran out in their 30s or 40s or 50s they had no job e...
by tc101
Mon Sep 22, 2014 12:01 am
 
Forum: Investing - Help with Personal Investments
Topic: inherited 500k, still a college student, how to invest???
Replies: 48
Views: 4106

Re: Professional gambler in unique investment situation

In a worst case scenario, I don’t see myself losing over €80,000 over one year. I spend about €40,000 per year. What if you did lose €80,000 one year, then €70,000 the next year, then €80,000 the following year? Would you keep going? If you put half your money into a target retirement fund and kept...
by tc101
Sun Sep 21, 2014 11:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Professional gambler in unique investment situation
Replies: 22
Views: 3269

Re: how to prevent medical expense catastrophe?

If you have insurance with maximum out of pocket, is this a problem? Not necessarily a problem for your pocket, except that there is a higher out of pocket max for out of network, and in my case, it's tallied separately. In my case, it could mean an additional $7,000. But, the larger picture is the...
by tc101
Sun Sep 21, 2014 9:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7495

Re: how to prevent medical expense catastrophe?

If you have insurance with maximum out of pocket, is this a problem?
by tc101
Sun Sep 21, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: how to prevent medical expense catastrophe?
Replies: 174
Views: 7495

Re: Signing up for medicare Oct 1

Some of them provide some additional extras in addition to what the govt requires them to provide. For example AARP has a free nurse hot line, silver sneakers membership, and some kind of eye care benefit.
by tc101
Fri Sep 19, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: Signing up for medicare Oct 1

I have decided on medicare supplement plan F. In my state the same plan at the same price is sold by AARP, Blue Cross, Humana, and Mutual of Omaha. Which of those would you pick, and why?
by tc101
Fri Sep 19, 2014 2:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: AliBaba

I just put in an order for one share in my Vanguard Roth brokerage account. It will be fun to watch.
The current listed price is 68 but trading is halted. I put in a limit order for $70.
by tc101
Fri Sep 19, 2014 10:10 am
 
Forum: Investing - Theory, News & General
Topic: AliBaba
Replies: 127
Views: 7919

Re: Clean, quiet, safe and cheap. Is there such a travel pla

How about the highland plateau of Colombia. 50-70 daily.


I read somewhere that there is a lot of kidnapping in Columbia. Is that not true?
by tc101
Fri Sep 12, 2014 9:53 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5744

Re: Signing up for medicare Oct 1

"Do agents get more for selling medicare supplement than medicare advantage" ? I know for a fact that with UHC they do. In fact, this has been a sticking point in some places. Under the agreement with AARP, agents get a payment for every single Medigap UHC policy they sell; they get nothi...
by tc101
Fri Sep 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: Signing up for medicare Oct 1

This will make you cry but must tell you - here in Maryland I am paying $1,884 yearly for Plan F. (BlueCross-BlueShield) It is not much different in Georgia. $168/month, which is $2016/year. Some companies list outrageous prices. I can't imagine anyone paying $5K for plan F unless they were older a...
by tc101
Fri Sep 12, 2014 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: Signing up for medicare Oct 1

Your best bet is to avoid the agents/brokers and go straight to the GA Office of Insurance Commissioner. Hopefully, that office will be like Illinois, Maryland, and many other states where each company's Medigap current premiums are posted online, along with other information as to which plans they...
by tc101
Fri Sep 12, 2014 12:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Faith20879 wrote:Not sure what kind of cleanness is being sought here - air, scenery, drinking water, food (either manufactured or agriculture), living environment, and etc.? Please define!


First priority is that I don't get sick. This is a big problem in India.
by tc101
Fri Sep 12, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5744

Re: Clean, quiet, safe and cheap. Is there such a travel pla

There are a bazillion places that are clean, quiet, safe, and cheap. Few of them are interesting however. Are you also looking for interesting? Silly me. Yes, of course, interesting. I especially want the chance to meet other travelers from other parts of the world. In India and Guatemala I met lot...
by tc101
Fri Sep 12, 2014 12:19 am
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5744

Re: Clean, quiet, safe and cheap. Is there such a travel pla

Little Corn Island off the coast of Nicaragua


Sounds interesting. Any problems with mosquito born illness like dengue or malaria?
Is there internet access?
by tc101
Thu Sep 11, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5744

Clean, quiet, safe and cheap. Is there such a travel place?

I would like to go to some other country and spend a few months. I am 64, retired, no longer a back packer, but comfortably middle class. Places I have done this in the last 10 years: India is very cheap, a fascinating place and pretty safe except for the diseases, but very noisy and dirty. Lake Ati...
by tc101
Thu Sep 11, 2014 9:32 pm
 
Forum: Personal Consumer Issues
Topic: Clean, quiet, safe and cheap. Is there such a travel place?
Replies: 75
Views: 5744

Re: Good Modern Science Fiction

Childhood's End by Arthur C. Clarke
by tc101
Thu Sep 11, 2014 12:53 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5378

Re: Signing up for medicare Oct 1

Where I am, near Atlanta Ga., only Mutual of Omaha sells plan G. The rate is $116/month. Many companies sell plan F. The lowest rate is Humana at $168/month. The only difference in the two plans is $145/year deductible. My insurance agent says Mutual of Omaha has a terrible record of jacking up pric...
by tc101
Wed Sep 10, 2014 3:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: Signing up for medicare Oct 1

What about medicare part G vs F?

There must be some catch to this. I just read that the only difference is that part G has a $147 yearly deductable, but it costs about $40/month less. That can't be correct.
by tc101
Tue Sep 09, 2014 9:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Signing up for medicare Oct 1
Replies: 34
Views: 2849

Re: V6 or V8 engine for new Chrysler 300

I test drove a Chrysler 300 and liked the feel. I have been driving Crown Vics for years. They don't make Crown Vics anymore and I guess the Chrysler had a similar feel and that is why I liked it. I am tall and have long legs and want a car with lots of driver leg room. The Chrysler 300 had that, an...
by tc101
Mon Sep 08, 2014 3:43 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1685

V6 or V8 engine for new Chrysler 300

I am thinking about buying a Chrysler 300, which comes with either a V6 or V8 engine. The V8 costs a little more and uses a little more gas and I don't really need that extra power, but will the V8 last much longer than the V6?
by tc101
Sun Sep 07, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: V6 or V8 engine for new Chrysler 300
Replies: 25
Views: 1685

Re: Why is REIT only sector fund recommended in slice & dice

I note that if I were to sell all my REITS there are no assets that look all that great into which to put the proceeds


That is the best counter argument I have seen. I think maybe international real estate might be a better asset.
by tc101
Sat Sep 06, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Looking at REIT expected returns in isolation is exactly the opposite of what I'm doing. I'm noting that the expected returns are similar to corporate bonds and well below stocks-- all for a volatility that's stock-like and drawdowns that are even worse. The "grave mistake" IMO is not dem...
by tc101
Sat Sep 06, 2014 7:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Technologist to IT Sales Transition

I was a programmer. They gave me fancier titles but I always thought of myself as a programmer. I thought of getting into software sales. It seemed interesting and different and I thought I could make more money. I talked to some knowledgeable people and realized sales required a totally different s...
by tc101
Sat Sep 06, 2014 10:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Technologist to IT Sales Transition
Replies: 14
Views: 849

Re: Poll: Cash Holdings

I have chosen to count series I savings bonds, money market mutual funds, and short term bond mutual funds, as "cash." There have been several similar replies. Savings bonds, CDs and short term bond mutual funds are not normally classified as cash, but as bonds. If you change the definiti...
by tc101
Fri Sep 05, 2014 11:04 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Cash Holdings
Replies: 65
Views: 3637

Re: Why is REIT only sector fund recommended in slice & dice

I am curious about your thoughts on the Vanguard international real estate fund and ETF.
by tc101
Fri Sep 05, 2014 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

All of the sector funds had lower correlation to TSM than the SCV fund over this time period.


Thanks for posting that. The lower correlation means that in a slice and dice portfolio the rebalancing bonus would be higher. So I wonder why this is not suggested more often?
by tc101
Thu Sep 04, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Any thoughts on VNQI ANGUARD GLOBAL EX U S REAL ESTATE INDEX FD ETF ?
Does this have all the problems, and advantages that people have mentioned here for USA REITs?
by tc101
Thu Sep 04, 2014 2:48 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Isn't there something like a calculator somewhere on line that lets you test correlations of different indexes? Yes. One is Portfolio Visualizer . It's what I used to provide the correlations and regression coefficients above. Kevin That is just what I needed Kevin. It answers most of my questions....
by tc101
Thu Sep 04, 2014 2:07 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Kevin M wrote:
tc101 wrote:What are the 3 sectors suggested by Bernstein?

I told you in my first post in your thread!

Kevin


Thanks Kevin. I see it now.
by tc101
Thu Sep 04, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Before I switched to my current four fund portfolio my previous portfolio had about thirty different asset types grouped into three broad categories (equity like, debt like, alternatives). I had allocations to things like preferred shares, MLPs, REITs, commodities, etc. As it turned out most of the...
by tc101
Wed Sep 03, 2014 10:55 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Isn't there something like a calculator somewhere on line that lets you test correlations of different indexes?
by tc101
Wed Sep 03, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

However, the notion that REITs are the the only sub-sector of the overall market that offer potential low correlation to the overall index is of course silly. Thanks. That is what I was asking about. Do any of the other sectors like health, technology, consumer cyclicals and so on have a lower corr...
by tc101
Wed Sep 03, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

And to repeat, Bernstein calls out three sectors, not just REITs. So although REITs are a common denominator among the authors I mentioned, it is not the only "sector" some recommend considering as a separate asset class. What are the 3 sectors suggested by Bernstein? What other sectors h...
by tc101
Wed Sep 03, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

If you do hold other sector funds, you're choosing to hold them at greater than their market weighting - and if you subscribe to the efficient market hypothesis, they're already at the correct weight. But isn't this what you do with any slice and dice portfolio? You over weight small caps for examp...
by tc101
Wed Sep 03, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

I appreciate the discussion so far, but I wasn't really asking about why to hold REITs. I was asking why not hold other sector funds also.
by tc101
Wed Sep 03, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: Why is REIT only sector fund recommended in slice & dice

Generally sector funds decrease diversity rather than increase it.


Why? I don't understand how that could be.
by tc101
Wed Sep 03, 2014 12:37 am
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Why is REIT only sector fund recommended in slice & dice?

In all the slice and dice portfolios I have seen, the recommended funds are limited to large and small, large value and small value, REIT, international, international small and sometimes emerging markets. Why are REITS the only sector ever recommended? Why not health care, technology, consumer stap...
by tc101
Tue Sep 02, 2014 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7887

Re: 100% Stock Thread Collection

by tc101
Mon Sep 01, 2014 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: 100% Stock Thread Collection
Replies: 93
Views: 5381

Re: Why invest in bonds?

Read some of the threads from 2009 about the all bond portfolio
by tc101
Sun Aug 31, 2014 11:13 pm
 
Forum: Investing - Theory, News & General
Topic: Why invest in bonds?
Replies: 103
Views: 6302

Re: I need "Ultra High Net Worth" investing advice please

Toto238 sums it up so well in just a few sentences that I don't have much to add, other than to repost what he said below. More words do not translate into more useful knowledge. My one disagreement is his saying to us all munis for bonds. I would say that just in case you have the black swan event ...
by tc101
Tue Aug 26, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: I need "Ultra High Net Worth" investing advice please
Replies: 225
Views: 18692

Re: Best iPhone deal for light user

What are some of the main points to consider when deciding between and iPhone and a Samsung Galaxy? I am probably going to get an iPhone since I already have an iPad and an iPod touch, but I am curious about the pros and cons of other phones.
by tc101
Sun Aug 24, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2447

Re: Best iPhone deal for light user

I want to be able to change providers. I don't want to be locked into a long term contract.
by tc101
Sat Aug 23, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: Best iPhone deal for light user
Replies: 30
Views: 2447
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