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Re: Traveling WiFi

If you have not checked in the last 6 months to a year, check with AT&T on your phones data plans. They made several changes that could give you you double or even quadruple the data for the same price as an older plan. I would continue with the tethering for a couple of months and see how much ...
by vesalius
Sun Mar 22, 2015 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Traveling WiFi
Replies: 17
Views: 2014

Re: Which Asus computer to buy?

DDMP20 wrote:Linux isn't as scary as people make it out to be.

"proprietary screws and all"

Good one! :happy

No Linux isn't. I had my computer illiterate sister using Linux as her primary PC back around 2000.

Glad you took the sarcasm as a joke the way I intended it.
by vesalius
Fri Mar 13, 2015 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2081

Re: Will you buy an Apple Watch?

I don't know. I am one of few people here who always wears a watch, and so I may be more receptive to a smart watch than others. I'll wait until Google or some other non-Apple company offers it. There are several options, but most are bulkier than the apple watch and need time and seasoning through...
by vesalius
Fri Mar 13, 2015 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Wireless Internet Question

f that doesn't work, then buy a cheap router and set it up as an access point by plugging it into an open ethernet connection that is closest to all the dead spots. Very few new routers do not have an access point mode. You should have no real drop off in network speed at the previously well covere...
by vesalius
Fri Mar 13, 2015 3:46 pm
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2423

Re: Wireless Internet Question

Because the OP has Cat 5 run to each room, he would be better served to set up an access point than a wireless repeater. Sometimes people confuse the 2. For the OP in simplified terms: A Wireless repeater connects to your primary wifi router over the air and rebroadcasts the signal to create a secon...
by vesalius
Fri Mar 13, 2015 3:28 pm
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2423

Re: Which Asus computer to buy?

If you get a smaller SSD drive to load the system software on, whether it be a Linux distro or Windows, you will a perceptively faster computer on most common task with the $679 than the $900. Even though the higher priced model has 2x the RAM. Unless you are willing to build you own, which really ...
by vesalius
Fri Mar 13, 2015 3:17 pm
 
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2081

Re: Wireless Internet Question

I agree with the last few post. I would first log into the router and slightly change the SSID name of the 5ghz network. The ipad and everything else wireless will then continue to log into the 2.4 ghz without a discernible network difference that you can tell other than potentially filling in those...
by vesalius
Fri Mar 13, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Wireless Internet Question
Replies: 31
Views: 2423

Re: Which Asus computer to buy?

If you get a smaller SSD drive to load the system software on, whether it be a Linux distro or Windows, you will a perceptively faster computer on most common task with the $679 than the $900. Even though the higher priced model has 2x the RAM. Unless you are willing to build you own, which really i...
by vesalius
Fri Mar 13, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Which Asus computer to buy?
Replies: 24
Views: 2081

Re: Will you buy an Apple Watch?

DDMP20 wrote:
vesalius wrote:Dude just own it and say "Bah Humbug" or "You kids get off my lawn!". We get it, to you apple is the debil! :sharebeer


You're right. No sense in belaboring the point. But just to be clear, Apple is not the devil, Monsanto is.

Ha, good man (or woman). Much respect. :beer
by vesalius
Fri Mar 13, 2015 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

Each generation of the iwatch, like the iphone and ipad, will do more and more. The first gen is just the start. The other products grew in popularity far after the first gen. The service of apple, in several polls, has been exemplary, as has the customer satisfaction. Dont see people waiting in li...
by vesalius
Fri Mar 13, 2015 1:23 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

With regard to Apple's computers and OS. They are not better than everyone else despite the marketing propaganda. That is your opinion only. Some find the fact that they are better integrated and cohesively functioning products across, phone, mp3, tablet, laptop and desktop computer lines, which ar...
by vesalius
Fri Mar 13, 2015 12:41 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

We are going to have to agree to disagree. When MP3 players came out, HUGE obvious improvement over previous products. I was in high school, working a barely over minimum wage job, and saved up money to order a 1st gen Ipod pre-release. When smartphones came out, much the same deal - it was very qu...
by vesalius
Fri Mar 13, 2015 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

Tyrobi wrote:iWatch, no.

iCar, maybe. When will iCar coming out?

somewhere between 5 years to never is the best guess.
by vesalius
Fri Mar 13, 2015 10:45 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

No matter how many times it is asked, nobody here has been able to explain the benefit, functional advancement, or potential use for this device. That was most definitely not the case when the MP3 player, smartphone, or tablet came to market. Really? Then you seriously have only been selectively re...
by vesalius
Fri Mar 13, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

I have all apple products at home and I have slowly but surely bought into their ecosystems of Apps and appreciate the walled gardens help with security; however, until or unless there is a completely waterproof version (or least one that I can take in a 4 meter deep pool), I won't consider buying o...
by vesalius
Wed Mar 11, 2015 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: Will you buy an Apple Watch?

IMO, this announcement bodes very well for the future of Apple without Mr. Jobs. Not because the watch is anything special, but rather, because it isn't special, yet we're all still talking about it a day later. That takes a certain kind of marketing mastery that Apple somewhat uniquely possesses. ...
by vesalius
Tue Mar 10, 2015 3:25 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17989

Re: What is so intelligent about Schwab Intelligent Portfoli

This is what I got from disclosure brouchure (.pdf file) at the bottom of this link https://intelligent.schwab.com/ looks similar to normal mumbo-jumbo of confusing mutual fund fees.... Fees The Program includes the following services: (i) SWIA’s Program administration services; (ii) CSIA’s portfol...
by vesalius
Tue Mar 10, 2015 2:10 pm
 
Forum: Investing - Theory, News & General
Topic: What is so intelligent about Schwab Intelligent Portfolio??
Replies: 7
Views: 948

Re: What is so intelligent about Schwab Intelligent Portfoli

Where do you get that a 0.30% fee is charged? Do you have a link for that? Schwab clearly states that there are 0 fees at this link: Schwab Intelligent Portfolio fees You are correct that investing in a boglehead or lazy portfolio fashion and rebalancing once a year is intellectually easy. Just like...
by vesalius
Tue Mar 10, 2015 11:18 am
 
Forum: Investing - Theory, News & General
Topic: What is so intelligent about Schwab Intelligent Portfolio??
Replies: 7
Views: 948

Re: Oil & Vinegar

I will throw this out in regards to olive oil. The U.S. does not require foreign or domestic olive oil producers to follow the International Olive Council (IOC) standards to ensure quality and purity of their products. Most foreign olive oil producing countries do and, therefore, their highest quali...
by vesalius
Fri Mar 06, 2015 4:00 pm
 
Forum: Personal Consumer Issues
Topic: Oil & Vinegar
Replies: 52
Views: 4094

Re: How is your Betterment Account performing?

When did you invest with betterment? It should be easy to find out the index funds they actually have you invested in.

You would definitely do better to not listen to the talking heads on TV during both good and bad times. They make things sound better and worse than reality all the time.
by vesalius
Wed Mar 04, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: How is your Betterment Account performing?
Replies: 17
Views: 1704

Re: physicians [Frustrated, considering early retirement]

I am a physician about 3 years out of fellowship (intensive care medicine) employed with a big hospital and so far have been very happy with this career. Maybe I haven't been in the field long enough to be burned out and bitter yet, and hopefully won't ever be. I work very reasonable hours (anywher...
by vesalius
Thu Feb 26, 2015 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: physicians [Frustrated, considering early retirement]
Replies: 132
Views: 9388

Re: Best Small Cap Value Funds

I previously used IJS and DLS. I currently use PXSV and PDN. PXSV currently has a net expense ratio of 0.39%. There is a 0.15% fee waiver in effect until at least August 31. What's a fee waiver? .15% off the 39% for a limited time? Does this come with free siding? I'll take a risk that your entire ...
by vesalius
Tue Feb 10, 2015 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds
Replies: 43
Views: 4389

Re: Focused Larry Portfolio

If the premia are in line with the past.. The biggest mistake investors make is looking backward at performance and thinking it’ll recur in the future . I mentioned earlier the concept of reversion to the mean (in “Achieving Greater Long-Term Wealth Through Index Funds,” AAII Journal, June 2014); i...
by vesalius
Mon Jan 26, 2015 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Focused Larry Portfolio
Replies: 33
Views: 3288

Re: Focused Larry Portfolio

staythecourse, Top portfolio is 15% USSV, 15% ISV, 70% 5YT Bottom portfolio is 100% TSM http://i62.tinypic.com/30w3415.jpg And has been pointed out already this comparison is not even the one that 99% of people here would personally be making as very few are 100% stock invested. Countermein has gon...
by vesalius
Mon Jan 26, 2015 10:58 am
 
Forum: Investing - Theory, News & General
Topic: Focused Larry Portfolio
Replies: 33
Views: 3288

Re: Older Brother is a New MD

I would liquidate some of the inheritance in order to shift it into a ROTH while a resident. Will his residency program give him access to a work place 401k? if so is there a ROTH option? Personal ROTH contributions can be used as all or a portion of his emergency fund, see Roth IRA as an emergency ...
by vesalius
Fri Jan 09, 2015 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Older Brother is a New MD
Replies: 24
Views: 3276

Re: Top-hat 457(b) Plan and FICA?

I think that is right, but it is counterbalanced by a decrease in income tax on that $18,000 (new 2015 Max) from their current year marginal rate at $150,000 to potentially 0% on the first $18,000 of earned income during withdrawal.
by vesalius
Thu Dec 18, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: 457(b) Plan and FICA?
Replies: 5
Views: 726

Re: Send text messages from PC to Cell Phone

For this to work you actually need an iPhone in the mix. The SMS Relay feature does just that. It relays SMS (text) messages via your iPhone. So, if are using your Mac and you want to send a message to someone without an Apple product, you type and send your message like normal. The message is rela...
by vesalius
Wed Dec 10, 2014 10:33 am
 
Forum: Personal Consumer Issues
Topic: Send text messages from PC to Cell Phone
Replies: 25
Views: 3468

Re: Any regrets going from iOS to Android phone?

Also, does anyone have any advice about transferring content? I currently plan on using Samsung's Smart Switch App. Thanks. If you have any contacts that have also have iPhones they may have been using iMessage instead of SMS to text you. You will want to research the issue and turn off iMessage be...
by vesalius
Fri Dec 05, 2014 11:00 am
 
Forum: Personal Consumer Issues
Topic: Any regrets going from iOS to Android phone?
Replies: 27
Views: 3507

Re: Does investing in a 401k actually save any money?

The Case Against Roth 401(k)
Can you save too much, pre-tax?
Try these articles. The tax brackets in the chart are outdated, but the message is still applicable.
by vesalius
Fri Nov 21, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 75
Views: 10729

Re: "Smart" Beta - general consensus?

I think there's general consensus that smart beta is a dumb name. That's because good old-fashioned dumb beta is guaranteed to beat (before fees) at least half of those that try to tilt their beta to something smarter. Is your "smart" beta going to be in the minority that's smarter than d...
by vesalius
Mon Nov 03, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: "Smart" Beta - general consensus?
Replies: 17
Views: 1565

Re: Apple Pay, Google Wallet, credit, and us

CurrentC sounds like a clunky mess, but it's hard to fault retailers for being reluctant to sign on to Apple Pay. They have wanted to eliminate the swipe fee middle man forever, and now they are being asked to adopt a next gen payment system that not only cements credit cards but adds yet another m...
by vesalius
Fri Oct 31, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 10313

Re: Apple Pay, Google Wallet, credit, and us

I didn't see this already posted - several big chains aren't going to use ApplePay. http://www.businessinsider.com/walmart-war-against-apple-pay-the-iphone-payments-system-2014-10 It's not only the chains that aren't signing up. Apple charges 0.15% of each purchase to use ApplePay. I'm not sure who...
by vesalius
Wed Oct 29, 2014 8:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 10313

Re: Upgraded to OS X 10.10 Yosemite

Late 2011 iMac. Updated my iPhone 5S to latest as well. Was hoping to be able to answer my phone with the iMac, but apparently my iMac is just barely too old for that. I can make calls with it though - pretty cool! I also like seeing incoming text messages appear at the upper right as well as on my...
by vesalius
Mon Oct 20, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4884

Re: Upgraded to OS X 10.10 Yosemite

2007 iMac updated with no issues. My machine and safari actually seem a little faster, which may be placebo. So again Thank You Apple for Supporting such out of date, but still adequate hardware. I am a fan of the new Dark Mode appearance. I will also be happy when I install 8.1 to be able to send a...
by vesalius
Mon Oct 20, 2014 1:03 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4884

Re: Market corrections and rebalancing band

I look forward to the day when one of these roboadvisors allow for customized fund selection and rebalancing based off of the criteria I input into the system. Hell throw custom TLH Fund selection in there too. This is likely only a few years away at most. I enjoy the research and setting things up,...
by vesalius
Mon Oct 13, 2014 8:43 am
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4492

Re: Due diligence on RAFI Pure Small Value

I have a question. Many factor investors on this board believe that, other than DFA funds, PXSV is perhaps the best way to get small value factor exposure. According to Morningstar charts, PXSV has been around for almost 10 years and during that time it has underperformed VB, Vanguard's cap weighte...
by vesalius
Tue Sep 30, 2014 9:27 am
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 189
Views: 18889

Re: Answer to Most Physician/High Net Worth Questions:

That's not a bad list, and anyone who can follow it will do quite well. But the obvious bullet point may have to be #0: " Plan to live on half your salary, and save/invest the rest ". And as others on this board, including myself has advised, "live like a resident" [Edit: letsgo...
by vesalius
Sat Sep 27, 2014 5:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2590

Re: Answer to Most Physician/High Net Worth Questions:

I agree that 8 years is a long time to live like a resident. Personally, I lived a lifestyle about 1.5-2X what I had as a resident for 4 years, then moved into the lifestyle I intend to continue indefinitely. That was plenty for me. Someone with a lower income to debt ratio may need to be more aggr...
by vesalius
Sat Sep 27, 2014 3:32 pm
 
Forum: Personal Finance (Not Investing)
Topic: Answer to Most Physician/High Income Job Questions:
Replies: 31
Views: 2590

Re: Due diligence on RAFI Pure Small Value

Johnny, if you have not already, check out these 2 threads for some data as to why incorporating momentum as opposed to using only value may help bolster and diversify your returns.

DFA-RAFI & factor diversification within 30:30:40 portfolio
A close look at value and momentum
by vesalius
Thu Sep 25, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 189
Views: 18889

Re: iOS 8 update available today

iOS 8.0.1 is available now. "This release contains improvements and bug fixes." Apparently iOS 8.0.1 may break more than it fixes: Apple Releases iOS 8.0.1 With Fixes for HealthKit, Keyboards, and More [WARNING: iOS 8.0.1 Causing Issues With Cell Service, Touch ID] (http://www.macrumors.c...
by vesalius
Wed Sep 24, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6147

Re: iOS 8 update available today

For those that that run into issues, check here for a solution.
The Most Common iOS 8 Upgrade Problems You'll Meet and Solutions
by vesalius
Mon Sep 22, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6147

Re: Due diligence on RAFI Pure Small Value

JohnnyFive wrote:Looks like PXSV is now offered commission free on Schwab as of VERY recently. Great news.

Glad you brought that here. Schwab just expanded their lineup of free to trade ETFs 2 days ago I think. There is your free trades and no fee account Johnny.
by vesalius
Sat Sep 20, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 189
Views: 18889

Re: Macbook Air; how much RAM?

Must we devolve into a PC versus apple debate? This wasn't really meant to be a PC vs Apple debate - I'm mainly commenting about the hardware features and cost. The computer hardware in Macs used to be widely different than PCs, but nowadays, the current Macs are really just PC hardware with an App...
by vesalius
Fri Sep 19, 2014 1:54 am
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3684

Re: Macbook Air; how much RAM?

You'd be crazy to spend over $1,000 just for the name brand. I agree wholeheartedly. But since there are more things the OP will get for the extra money than just name brand, I don't really see how that's a relevant point. Like the soldered RAM? Seriously that is a deal killer for me right there. Y...
by vesalius
Thu Sep 18, 2014 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3684

Re: Macbook Air; how much RAM?

Quick update: girlfriend's co-worker is selling her his 2011 Macbook Air 4gb/256 for $400. I took a look at it, and it looks like it's barely been used. Probably won't have the longevity of a brand new Air with 8gb, but at 400 bucks it's a steal. If the battery is working well, that is a steal. I w...
by vesalius
Thu Sep 18, 2014 3:01 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3684

Re: iOS 8 update available today

Wait a bit on the update! ------- .... Also using iTunes just to move pics around is incredibly Stone-Age... Anakin What do you mean "using iTunes just to move pics around"? What pics are you "moving around" and why do you need iTunes to do it? I think he's probably talking abou...
by vesalius
Thu Sep 18, 2014 12:42 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6147

Re: iOS 8 update available today

JamesSFO wrote:So 5 total devices migrated: 3 total success, 2 lost data (needed to use backup).
Well that sucks. I hope all is well now. I went 4 for 4 total success,
by vesalius
Thu Sep 18, 2014 12:40 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 6147

Re: IPhone 6 and AT&T Contract Extension

I am in a similar situation. I did the math and found that it is a better deal to do the "AT&T NEXT" or just buy the phone outright. With the 2 year commitment they get you by increasing the monthly fee on the family plan from $15 to $40. Plus the $40 activation fee (which is waved fo...
by vesalius
Wed Sep 17, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1314

Re: How much value can an advisor add for the average invest

Now a key here is that I'm referring to the AVERAGE investor. Not the average Boglehead. An advisor provides very little for a Boglehead. But for someone who knows literally nothing about investment, about stocks, bonds etc except what they read in the headlines, what value can an advisor provide? ...
by vesalius
Wed Sep 17, 2014 8:21 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 71
Views: 5280

Re: IPhone 6 and AT&T Contract Extension

I think you might have changed data plans. I went in there and asked them about buying the phone on the two year contract and you can't do that and get the family shared data plan for $130, that also comes with unlimited talk and text. That $130 plan is for people that buy the phone on the next/ste...
by vesalius
Wed Sep 17, 2014 7:43 am
 
Forum: Personal Consumer Issues
Topic: IPhone 6 and AT&T Contract Extension
Replies: 14
Views: 1314
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