Search found 380 matches

by Jeff Albertson
Tue Oct 17, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6826

Re: Vanguard expects "decent sized correction" soon

McNabb's interview is available on a podcast at the BBC, about 5 minutes long, dated Oct 17.
http://www.bbc.co.uk/programmes/w3cstx31
by Jeff Albertson
Thu Oct 12, 2017 8:47 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2728

Re: Antivirus Software Recommendations

review: Microsoft Windows Defender Security Center
"Windows Defender is better than nothing ..."
https://www.pcmag.com/article2/0,2817,1926596,00.asp
by Jeff Albertson
Thu Oct 12, 2017 8:16 am
Forum: Personal Consumer Issues
Topic: Antivirus Software Recommendations
Replies: 41
Views: 2728

Re: Antivirus Software Recommendations

You may be better served getting an opinion from a professional reviewer.
https://www.pcmag.com/article2/0,2817,2372364,00.asp
or
https://www.pcmag.com/reviews/antivirus
by Jeff Albertson
Wed Oct 11, 2017 7:41 pm
Forum: Personal Consumer Issues
Topic: Pro and cons of the Prime offer by Amazon.......
Replies: 39
Views: 3675

Re: Pro and cons of the Prime offer by Amazon.......

"These 15 little-known perks show why Amazon Prime is so much more than free shipping" http://www.businessinsider.com/amazon-prime-membership-perks-explainer-2016-3/#1-free-same-day-shipping-1 Anyone tried "Wickedly Prime", Amazon's snack food brand? https://www.amazon.com/s/ref=nb_sb_noss/137-21003...
by Jeff Albertson
Mon Oct 09, 2017 3:28 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 80
Views: 6573

Re: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]

Thaler on how he makes practical use of his work: Early in my teaching career I managed to get most of the students in my class mad at me. A midterm exam caused the problem. I wanted the exam to sort out the stars, the average Joes and the duds, so it had to be hard and have a wide dispersion of sco...
by Jeff Albertson
Sat Oct 07, 2017 7:02 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 53
Views: 3242

Re: Password Protection

yea, the boogieman is out there, boooooooo You want credentials, try Steve Gibson. He discusses lastpass price increases in August and also said: For me, what I care most is about the security guarantees that LastPass offers and the quality of their service, that is, going forward. As with the CA bu...
by Jeff Albertson
Sat Oct 07, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 53
Views: 3242

Re: Password Protection

This past post is very helpful, IMHO, especially the part about reducing the risk of keyloggers. https://www.bogleheads.org/forum/viewtopic.php?p=2195927#p2195927 Step 6: Make LastPass master password safer - I stopped typing the whole master password (pass phrase actually) to reduce the risk from k...
by Jeff Albertson
Sat Oct 07, 2017 1:11 pm
Forum: Personal Consumer Issues
Topic: Email Security after equifax breach
Replies: 23
Views: 2592

Re: Email Security after equifax breach

There are also postal mail security concerns associated with the Equifax breech and the post office's 'Informed Delivery' service. Authentication is weak meaning someone could sign up for the service posing as you. A free new service from the U.S. Postal Service that provides scanned images of incom...
by Jeff Albertson
Sat Oct 07, 2017 1:03 pm
Forum: Personal Consumer Issues
Topic: Password Protection
Replies: 53
Views: 3242

Re: Password Protection

from the lastpass.com site: Your sensitive data is encrypted We use the same encryption algorithm that the US Government uses for Top Secret data. (AES256) Only you know the key to decrypt your data We do not store this key anywhere, so the private data that we store in our database is basically mea...
by Jeff Albertson
Thu Sep 21, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Return and Investing Ideas
Replies: 40
Views: 3350

Re: Bitcoin Return and Investing Ideas

Couldn't some well grounded firm (say Citibank, Credit Suisse, Amazon, Google, or some central bank) sponsor a cyber-currency? They could guarantee a fixed price of $1 per coin. Anyone who needed a cyber-currency to trade would surely prefer that coin (safety, stability). The sponsor would gain beca...
by Jeff Albertson
Tue Sep 19, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1415

Re: Time to buy a used VW Diesel?

FWIW, yesterday Bloomberg looked at the “life-cycle” emissions of gas vs electric, concentrating on China due to their recent announcement to end sales of fossil-fuel-powered vehicles. Bloomberg gathered the data and did the calculations comparing gas and electric. Their conclusion - When it comes t...
by Jeff Albertson
Mon Sep 18, 2017 6:57 pm
Forum: Investing - Theory, News & General
Topic: If the US dollar fails, are stocks safe?
Replies: 44
Views: 5781

Re: Collapsing dollar

updating a 2011 thread: read that one and shudder. http://en.wikipedia.org/wiki/Stanislav_Petrov https://paleofuture.gizmodo.com/man-who-saved-the-world-from-nuclear-armageddon-in-1983-1818501062 On September 26, 1983, Soviet military officer Stanislav Petrov received a message that five nuclear mi...
by Jeff Albertson
Mon Sep 18, 2017 3:07 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Return and Investing Ideas
Replies: 40
Views: 3350

Re: Bitcoin Return and Investing Ideas

The WSJ's James Mackintosh take: https://www.wsj.com/articles/bitcoins-wild-ride-shows-the-truth-it-is-probably-worth-zero-1505760623?mod=e2tw So is a single Bitcoin worth $500,000, $5,000, $500 or $0? I’m inclined to say $0, especially if Bitcoin’s value depends on it being adopted as a global digi...
by Jeff Albertson
Sun Sep 17, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27074

Re: What is Bitcoin?

How many cryptos should you hold to get your slice of the market? Consider that "Dogecoin" a totally rubbish product based on little other than an Internet meme is the #35 cryptocurrency by market capitalization. Which makes me question whether the index fund approach is truly the way to go here. I...
by Jeff Albertson
Fri Sep 15, 2017 10:40 am
Forum: Personal Consumer Issues
Topic: blood pressure monitor recommendations?
Replies: 38
Views: 2451

Re: blood pressure monitor recommendations?

more reviews http://thesweethome.com/reviews/best-blood-pressure-monitors-for-home-use/ Of all the models we tested, the Omron Series 10 was the most accurate, had the most comfortable cuff, and possessed the best combination of useful features—a Bluetooth connection to transmit data to your smartph...
by Jeff Albertson
Tue Sep 12, 2017 7:09 pm
Forum: Personal Consumer Issues
Topic: Best Lower Cost USA Cities to Live
Replies: 102
Views: 7551

Re: Best Lower Cost USA Cities to Live

Cost may be a factor, but don't ignore the many other things that determine your quality of life. This list is by state & might be a good place to start.

2017’s Happiest States in America
https://wallethub.com/edu/happiest-states/6959/
by Jeff Albertson
Tue Sep 12, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

For the beanie babies bubble, can you please post the maximum return on a $100? Thanks. Sorry, no idea, not a performance chaser. The Economist's Buttonwood new column is on ICOs. https://www.economist.com/news/business-and-finance/21728791-regulators-signal-alarm-frenzied-investment-craze-ico-stan...
by Jeff Albertson
Tue Sep 12, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: What If U.S. Stocks Stay Expensive For Years?
Replies: 50
Views: 7395

Re: What If U.S. Stocks Stay Expensive For Years?

https://s26.postimg.org/nq1ql8qdl/Untitled.jpg Source: Credit Suisse Buffett talked about this in Fortune magazine in November 1999 (towards the end of the tech boom). You know, someone once told me that New York has more lawyers than people. I think that's the same fellow who thinks profits will b...
by Jeff Albertson
Mon Sep 11, 2017 10:42 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

Wonder why so many who are now "studying" cryptocurrencies fail to recognize the time-tested investment in beanie babies? http://www.slate.com/articles/health_and_science/science/2015/02/beanie_babies_bubble_economics_and_psychology_of_a_plush_toy_investment.html https://secure.marketwatch.com/story...
by Jeff Albertson
Fri Sep 08, 2017 9:15 pm
Forum: Investing - Theory, News & General
Topic: the hurricane damages [Berkshire Hathaway's cash on-hand]
Replies: 25
Views: 3051

Re: the hurricane damages [Berkshire Hathaway's cash on-hand]

Washington Post article, "Warren Buffett’s $100 billion problem" - https://www.washingtonpost.com/business/economy/warren-buffetts-100-billion-problem/2017/09/08/1b4f3a0a-9343-11e7-aace-04b862b2b3f3_story.html? Brandt explains it this way: “There’s a debate to be had about how much of the float can ...
by Jeff Albertson
Fri Sep 08, 2017 7:17 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

Thanks you for the book suggestion. Would you be able to recommend an audbile equivalent book I can listen to? Amazon has a good price on the kindle version - https://www.amazon.com/Financial-Market-History-Reflections-Investors-ebook/dp/B06WVBHK72/ref=tmm_kin_swatch_0?_encoding=UTF8&qid=1504915893...
by Jeff Albertson
Fri Sep 08, 2017 7:33 am
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12399

Re: Bitcoin in 3-fund indexed portfolio?

As for investment planning, if you plan on always buying in on the current hot investment, the one that recently went up a lot, then you need to plan on working to a very old age, out of necessity.
by Jeff Albertson
Wed Sep 06, 2017 7:07 pm
Forum: Personal Consumer Issues
Topic: Do I need an Amazon Echo??.....
Replies: 68
Views: 4908

Re: Do I need an Amazon Echo??.....

I use mine a lot to stream internet radio, much more convenient & cheaper than a single-purpose internet radio.
by Jeff Albertson
Mon Sep 04, 2017 7:04 pm
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 238
Views: 27074

Re: What is Bitcoin?

Paris Hilton is backing a new cryptocurrency. Things are looking up. What could go wrong? :wink: She must know what she is doing. She is not only very rich, she also had her own reality teevee series. https://www.theregister.co.uk/2017/09/04/paris_hilton_lydiancoin_ico/ http://www.businessinsider.co...
by Jeff Albertson
Sat Sep 02, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Speaks Softly but Carries a Big Stick
Replies: 29
Views: 3284

Vanguard Speaks Softly but Carries a Big Stick

I'm glad to see that Vanguard is finally taking more seriously their responsibility to hold corporate boards more accountable to owners, the Vanguard investors. https://www.nytimes.com/2017/09/01/business/dealbook/vanguard-speaks-softly-but-carries-a-big-stick.html The giant $4.5 trillion mutual-fun...
by Jeff Albertson
Thu Aug 31, 2017 3:11 pm
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2474

Re: Evaluating risk of flooding in the "new normal"

Not withstanding the media hype when these events occur, the undisputed facts are that there have been increasingly less extreme weather and related events (hurricanes, tornadoes, droughts, wildfires, etc...) Don't where you get your facts, but it is usually best to start with the universally recog...
by Jeff Albertson
Thu Aug 31, 2017 10:31 am
Forum: Personal Consumer Issues
Topic: Evaluating risk of flooding in the "new normal"
Replies: 45
Views: 2474

Re: Evaluating risk of flooding in the "new normal"

Oh please. This is the first major hurricane to make landfall in the US in a dozen years and this is the "new normal" "Houston is experiencing its third ‘500-year’ flood in 3 years." https://www.washingtonpost.com/news/wonk/wp/2017/08/29/houston-is-experiencing-its-third-500-year-flood-in-3-years-h...
by Jeff Albertson
Mon Aug 21, 2017 6:54 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 5517

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

The crooks seem to always be one step ahead - Hackers have discovered that one of the most central elements of online security — the mobile phone number — is also one of the easiest to steal. In a growing number of online attacks, hackers have been calling up Verizon, T-Mobile U.S., Sprint and AT&T ...
by Jeff Albertson
Mon Aug 21, 2017 3:43 pm
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 56
Views: 4456

Re: Soliciting personal recommendations for a Barcelona trip

The Economist's travel section had an article a couple of years ago on the Barcelona tourist hordes. The city’s mayor-elect, Ada Colau Ballano, is looking at ways to stop the influx of visitors because, she thinks, it is in danger of becoming overrun and turning into little more than a theme park. S...
by Jeff Albertson
Sun Aug 20, 2017 7:14 am
Forum: Personal Consumer Issues
Topic: Soliciting personal recommendations for a Barcelona trip
Replies: 56
Views: 4456

Re: Soliciting personal recommendations for a Barcelona trip

I enjoyed the less touristy parts of the city. I suppose you have to do the "must sees", but on any return trip I'd definitely avoid them. Petty crime is an issue, search for "barcelona pickpockets".
by Jeff Albertson
Thu Aug 10, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2393

Re: Laptop suggestions pls

You may get more useful information from a site that professionally reviews laptops. This site has reviews on several types:
http://thewirecutter.com/leaderboard/laptops/
by Jeff Albertson
Sat Aug 05, 2017 10:01 am
Forum: Personal Consumer Issues
Topic: [SOLVED] VG Account Compromised: Please Advise
Replies: 30
Views: 2715

Re: VG Account Compromised: Please Advise

You would think Vanguard would be able to recognize sites like Mint (from the IP) & either ignore it or at least explain to you what the likely problem is. Given the many thousands of Vanguard customers who use these services, it seems unlikely Vanguard would continuously be sending the false alarms...
by Jeff Albertson
Thu Aug 03, 2017 6:44 pm
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 3068

Re: LastPass Premium price increasing

You knew this would happen when Logmein bought Lastpass a couple of years ago for $110 million.
by Jeff Albertson
Mon Jul 31, 2017 9:46 pm
Forum: Personal Consumer Issues
Topic: protecting personal information
Replies: 14
Views: 1177

Re: protecting personal information

Many smart phone apps have permission to access your phone's contact info. So anyone who has your info on their phones may have downloaded a "free" app that sucked their contact info up and is now selling it. About four years ago whitepages (a web company that sells personal info) bought a popular a...
by Jeff Albertson
Sun Jul 30, 2017 6:25 pm
Forum: Personal Consumer Issues
Topic: Questions about prescribed sunglasses
Replies: 14
Views: 1213

Re: Questions about prescribed sunglasses

You'll want to read this recent thread
viewtopic.php?t=219259
by Jeff Albertson
Sat Jul 22, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 24269

Re: Netflix, Your Current Favorite Show

The 105 best movies on Netflix right now: https://www.dailydot.com/upstream/best-movies-netflix/ 1) Boyhood 2) Zodiac 3) Full Metal Jacket 4) Chasing Amy 5) Million Dollar Baby (2004) 6) The Sixth Sense 7) Schindler’s List 8) Inglourious Basterds 9) Moana 10) The Shining ... 105) Rogue One: A Star W...
by Jeff Albertson
Tue Jul 18, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: "The Benefits of Elegantly Simple Portfolio Construction"
Replies: 7
Views: 1356

Re: "The Benefits of Elegantly Simple Portfolio Construction"

Jonathan Clements says it best -
http://www.humbledollar.com/2017/07/fooled-you/
WANT TO EARN the derision of the so-called smart money? Here are 12 ways to get yourself labeled a financial rube:
by Jeff Albertson
Wed Jul 12, 2017 9:32 am
Forum: Investing - Theory, News & General
Topic: Online Trading Academy
Replies: 26
Views: 1759

Re: Online Trading Academy

In a recent conversation with Meb Faber, William Bernstein discussed how his criteria for seeing a bubble has more to do with sociological factors than econometric indicators. Here are his four signs of a financial market bubble: (1) Everyone around you is talking about stocks (or real estate or wh...
by Jeff Albertson
Tue Jul 11, 2017 7:06 am
Forum: Personal Consumer Issues
Topic: Solar panels
Replies: 56
Views: 4445

Re: Solar panels

"Rooftop Solar Dims Under Pressure From Utility Lobbyists" But the decline has also coincided with a concerted and well-funded lobbying campaign by traditional utilities, which have been working in state capitals across the country to reverse incentives for homeowners to install solar panels. ... Th...
by Jeff Albertson
Mon Jul 10, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 228
Views: 20146

Re: Buying house - Very important decision

According to this survey in Business Insider, '10 US cities where it's becoming more expensive to live comfortably', Nashville topped the list by a wide margin. (#2-Seattle, #3-Louisville, #4-Austin) http://www.businessinsider.com/us-cities-where-cost-of-living-is-rising-the-fastest-2017-6/#1-nashvi...
by Jeff Albertson
Sat Jul 08, 2017 11:09 am
Forum: Investing - Theory, News & General
Topic: Boglehead mentality re todays oil price
Replies: 85
Views: 7195

Re: Boglehead mentality re todays oil price

Long term we will get to much higher numbers. Storage (besides pumped storage which is 100+ years old) is an area making huge leaps and bounds. NY Times had a recent article on 'The Biggest, Strangest ‘Batteries’'. They described several large-scale alternative energy storage schemes. https://www.n...
by Jeff Albertson
Tue Jul 04, 2017 7:44 pm
Forum: Investing - Theory, News & General
Topic: Fairholme-FAIRX
Replies: 22
Views: 4829

Re: Fairholme-FAIRX

- - - old thread ---- Bruce Berkowitz, the famed fund manager of Fairholme Fund, was adjudged Morningstar’s fund manager of the decade in 2010. However, his fund has lost nearly 89 per cent of its assets in the last six years because Berkowitz didn’t adhere to the basic rule of investment, ‘diversif...
by Jeff Albertson
Sun Jul 02, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Robocalls! -- current best call blocker?
Replies: 58
Views: 6301

Re: Robocalls! -- current best call blocker?

'Krebs on Security' had a recent write-up on the robocall industry - https://krebsonsecurity.com/2017/06/got-robocalled-dont-get-mad-get-busy/#more-39489 Washington Post had a recent article on the newest irritant, ringless voicemail. https://www.washingtonpost.com/news/the-switch/wp/2017/05/25/repu...
by Jeff Albertson
Thu Jun 22, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 20
Views: 2687

Re: Attention Win XP users

With more NSA attack tools out in the wild, the internet is a very, very dangerous place for everyone. Public services are especially at risk. “The world is burning about WannaCry, but this is a nuclear bomb compared to WannaCry,” Mr. Ben-Oni said. “This is different. It’s a lot worse. It steals cre...
by Jeff Albertson
Thu Jun 22, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 7550

Re: Your Favorite Portfolio Tilts

I think that is Arnott's point. When a lot of money flows into an asset class, the future returns likely suffer. William Bernstein's ebook, 'Skating Where the Puck Was', discusses this. Renkenthaler's Rule: "If the bozos know about it, it doesn't work anymore." The one exception to Renkenthaler's Ru...