Search found 332 matches

by Jeff Albertson
Thu Jun 22, 2017 3:09 pm
Forum: Personal Consumer Issues
Topic: Attention Win XP users
Replies: 19
Views: 1837

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: 73
Views: 4193

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 Renkent...
by Jeff Albertson
Thu Jun 22, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 73
Views: 4193

Re: Your Favorite Portfolio Tilts

James B. Stewart's current article 'An Index-Fund Evangelist Is Straying From His Gospel', on Burton Malkiel's embrace of smart beta. https://www.nytimes.com/2017/06/22/business/burton-malkiel-investment-stock-index-funds.html?ref=business Smart beta has its critics, including Mr. Arnott, viewed by ...
by Jeff Albertson
Wed Jun 21, 2017 6:46 pm
Forum: Personal Consumer Issues
Topic: Google Fi? pros/cons? anyone using it?
Replies: 32
Views: 1887

Re: Google Fi? pros/cons? anyone using it?

It's particularly useful for international travel. Saying that, it worked great for me in Japan, but less so for two European trips. It worked, but it keep losing the network, giving a "No Service" error. I could force it to look for a network, which always solved the problem, but took a f...
by Jeff Albertson
Sun Jun 18, 2017 12:39 pm
Forum: Personal Consumer Issues
Topic: Any alternatives to Tempur-Pedic for memory foam???
Replies: 12
Views: 1065

Re: Any alternatives to Tempur-Pedic for memory foam???

The wirecutter.com website reviewed these. Their advice: Here is the core truth of the mattress market: You’ll find no one mattress that works for everybody. The best any mattress can do, our experts told us, is work great for a small group of people, feel pretty good for some, and do okay for a maj...
by Jeff Albertson
Fri Jun 02, 2017 3:02 pm
Forum: Investing - Theory, News & General
Topic: William Sharpe interview w/ free book & software
Replies: 1
Views: 352

William Sharpe interview w/ free book & software

William Sharpe mentioned this week on Barry Ritholtz's Bloomberg podcast, 'Masters in Business' that he is offering a free book & software on strategies for producing retirement income. It is called 'Retirement Income Scenario Matrices' (RISMAT). The software is MATLAB source code, no executable...
by Jeff Albertson
Thu Jun 01, 2017 7:12 am
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4872

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

This chart shows current Miami real estate prices still 16% below its peak 2008 prices. Biggest loser, Las Vegas -26%, biggest winners, Denver, Dallas, Houston & Nashville.
https://twitter.com/LizAnnSonders/status/870236118796693504
by Jeff Albertson
Wed May 31, 2017 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Relative just bought a house in a hot market. Should I change my investment strategy?
Replies: 53
Views: 4872

Re: Relative just bought a house in a hot market. Should I change my investment strategy?

Yesterday's broadcast of the BBC's Business Daily radio show/podcast was about Miami real estate. http://www.bbc.co.uk/programmes/p053q6x2 Sinking State? Business Daily Ed Butler travels to Florida to assess the impact of rising sea-levels on a booming property market that has more than a million ho...
by Jeff Albertson
Sun May 28, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Why Are U.S. Stocks So Expensive Today?
Replies: 41
Views: 4920

Re: Why Are U.S. Stocks So Expensive Today?

The greater concentration of wealth is certainly a factor. http://www.economist.com/news/finance-and-economics/21631129-it-001-who-are-really-getting-ahead-america-forget-1 Although the article says the proportion of wealth in stocks held by the very wealthy has dropped, the dramatic increase in con...
by Jeff Albertson
Sun May 28, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: Is it investor behavior that dooms Active Mutual Funds?
Replies: 28
Views: 1504

Re: Is it investor behavior that dooms Active Mutual Funds?

This may help your thinking http://www.bloomberg.com/news/articles/2017-04-09/lopsided-stocks-and-the-math-explaining-active-manager-futility Heaton, Polson, and Witte distill the statistical argument into a straightforward five-page paper that uses a simple illustration, adapted here to a bag of p...
by Jeff Albertson
Mon May 22, 2017 11:28 am
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4787

Re: At what point to buy new car for safety

Danger of death! - an Economist.com chart from a few years ago -
http://www.economist.com/node/21571981
by Jeff Albertson
Thu May 04, 2017 8:40 am
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7496

Re: Morgan Stanley drops Vanguard funds

Brokers and consultants said that Morgan Stanley is almost certainly retaliating against Vanguard because of the Valley Forge, Pennsylvania-based firm’s longstanding refusal to pay for brokerage firm “shelf space” as part of its crusade to keep expenses for investors low. The New York-based brokera...
by Jeff Albertson
Mon May 01, 2017 8:39 am
Forum: Investing - Theory, News & General
Topic: AQR/Asness - Factor Timing is Hard
Replies: 16
Views: 1775

Re: AQR/Asness - Factor Timing is Hard

Nobody knew that beating the market could be so complicated. :oops:
by Jeff Albertson
Sat Apr 22, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Why are pensions revered, but annuities reviled?
Replies: 113
Views: 10177

Re: Why are pensions revered, but annuities reviled?

I read lots of stuff about the good old days when everyone had a pension, but at the same time whenever anyone brings up annuities people's blood starts to boil. I don't get it. It seems to me that upon retirement, converting some portion of your retirement account into an single-premium immediate ...
by Jeff Albertson
Wed Apr 19, 2017 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Financial Armageddon Insurance - how to spend $100k
Replies: 29
Views: 2670

Re: Financial Armageddon Insurance - how to spend $100k

Just curious, who's peddling these fears to you?
by Jeff Albertson
Sun Apr 16, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: Grass is always greener!
Replies: 16
Views: 2876

Re: Grass is always greener!

An easier alternative, just buy a small bag of lime & put it on a small part of the lawn & see what happens.
by Jeff Albertson
Sun Apr 16, 2017 5:45 pm
Forum: Personal Consumer Issues
Topic: Best way to book travel
Replies: 12
Views: 1913

Re: Best way to book travel

Recently in the Washington Post, 'How I regularly book round-trip international flights for less than $400'. https://www.washingtonpost.com/news/get-there/wp/2017/04/06/how-i-regularly-book-round-trip-international-flights-for-less-than-400/?tid=hybrid_mostsharedarticles_2_na for a quick price check...
by Jeff Albertson
Sun Apr 09, 2017 12:01 pm
Forum: Investing - Theory, News & General
Topic: FT - Ed Thorp: the man who beat the casinos, then the markets
Replies: 12
Views: 3139

Re: FT - Ed Thorp: the man who beat the casinos, then the markets

His recent book is pretty good. As you might expect, he says most investors are better off by indexing, but then outlines what he thinks you need to beat the market, an area where he definitely has a well-deserved reputation.
by Jeff Albertson
Sun Apr 09, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Economics of Charging an Electric Car
Replies: 85
Views: 6298

Re: Economics of Charging an Electric Car

This 94-year old inventor may be "good enough" to join Salk & Sabin. https://news.utexas.edu/2017/02/28/goodenough-introduces-new-battery-technology https://www.nytimes.com/2017/04/07/opinion/sunday/to-be-a-genius-think-like-a-94-year-old.html https://www.bloomberg.com/news/articles/20...
by Jeff Albertson
Fri Apr 07, 2017 6:55 pm
Forum: Investing - Theory, News & General
Topic: Bankruptcy of Westinghouse Electric
Replies: 79
Views: 8044

Re: Bankruptcy of Westinghouse Electric

The NY Times has a recent story on electric utilities replacing coal-fired power plants with ones using natural gas, wind & solar. https://www.nytimes.com/2017/04/05/business/dealbook/coal-utilities-regulation-trump.html?ref=business “For us, it really doesn’t change anything,” said Jeff Burleso...
by Jeff Albertson
Thu Apr 06, 2017 6:47 pm
Forum: Personal Consumer Issues
Topic: STEM & "coding" toys for little ones ?
Replies: 41
Views: 3398

Re: STEM & "coding" toys for little ones ?

'Learning Toys and STEM Toys We Love'
http://thewirecutter.com/reviews/learning-toys-and-stem-toys-we-love/

No expert, but might be best to encourage them to spend more time outside playing and much, much less time indoors in front of a screen.
by Jeff Albertson
Sun Apr 02, 2017 4:34 pm
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 35
Views: 3472

Re: Nespresso capsules

Competition is a good thing. In Europe other companies have been able to produce the pods based on some license deal that Nespresso opposed and has so far avoided in the US. More competition, lower prices. Who knew? There are cheaper U.S. knockoffs now - https://www.hilinecoffee.com/ https://www.go...
by Jeff Albertson
Sun Apr 02, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: Nespresso capsules
Replies: 35
Views: 3472

Re: Nespresso capsules

The capsules are half the price in Europe ($0.70 vs €0.35). Plus the capsules are more widely sold in retail stores, Nespresso boutiques and department stores. I mostly get the Fortissio Lungo blend.
by Jeff Albertson
Wed Mar 29, 2017 6:55 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 149
Views: 11184

Re: Virtual Private Networks (VPNs)

PC Magazine recently reviewed 'The Best VPN Services of 2017'. Their Editor's Choice selections are: NordVPN, Private Internet Access VPN, and KeepSolid VPN Unlimited. http://www.pcmag.com/article2/0,2817,2403388,00.asp I used PIA on a couple of long trips in the past several months, including Spain...
by Jeff Albertson
Sun Mar 26, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2356
Views: 714352

Re: What Book Are You Currently Reading? Part VI

I'm rereading Sapiens and it's even better the 2nd time around. It's about "us"- where we've been and where we might be headed. If you liked Bryson's A Short History of Nearly Everything and Diamond's Guns, Germs, and Steel you'll find even greater understanding of our species in Sapiens ...
by Jeff Albertson
Wed Mar 22, 2017 6:42 pm
Forum: Personal Consumer Issues
Topic: How to pay my first Medicare payment?
Replies: 10
Views: 1010

Re: How to pay my first Medicare payment?

Federal retiree? The easiest is to have it withheld from your monthly pension check. If not, you can probably have it taken from your paycheck.
by Jeff Albertson
Fri Mar 17, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: PayPal - Any Disadvantages?
Replies: 28
Views: 2520

Re: PayPal - Any Disadvantages?

An ebay seller started using my email address. I received his ebay sell proceeds into my paypal account & instructions to send merchandise. I don't know if it was his error or a scam, but it took way to long to correct. I canceled the account after that.
by Jeff Albertson
Mon Mar 06, 2017 8:59 am
Forum: Investing - Theory, News & General
Topic: Does anyone own gold?
Replies: 114
Views: 9821

Re: Does anyone own gold?

Jonathan Clement's take:
https://twitter.com/ClementsMoney/status/838727158017196032
Gold is like your crazy uncle at the wedding: He dances wildly—and he dances alone.
by Jeff Albertson
Thu Mar 02, 2017 5:58 pm
Forum: Personal Consumer Issues
Topic: Cheapest hotspot option
Replies: 10
Views: 907

Re: Cheapest hotspot option

I bought this mobile hotspot plan several years ago from Walmart.
http://www.internet-go.com/
You'll need to buy a portable hotspot device to use this service.
There may be better plans, shop around.
by Jeff Albertson
Wed Mar 01, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: Arlo Pro Security System (wireless/WiFi)
Replies: 16
Views: 1346

Re: Arlo Pro Security System (wireless/WiFi)

The Arlo Pro was the first choice of the reviewer at wirecutter.com.
http://thewirecutter.com/reviews/best-wireless-outdoor-home-security-camera/
by Jeff Albertson
Sat Feb 25, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Financial Times subscriptions for less?
Replies: 14
Views: 1334

Re: Financial Times subscriptions for less?

They had a special in 2013, $125 per year for digital only. I think it was their 125th year. That increased to $149/year for the next three years & then to $179 this year. I didn't renew, didn't have time to use it much.
by Jeff Albertson
Fri Feb 17, 2017 12:36 pm
Forum: Personal Consumer Issues
Topic: Planning for a long term trip
Replies: 20
Views: 1575

Re: Planning for a long term trip

You should be able to get your insurance to approve additional days supply, if you ask.
by Jeff Albertson
Mon Feb 13, 2017 8:06 am
Forum: Personal Consumer Issues
Topic: Luck with DirectTV Now?
Replies: 35
Views: 4639

Re: Luck with DirectTV Now?

I was able to use 'Direct TV Now' recently while in Europe, on my ipad. I was using a VPN. Very useful!
by Jeff Albertson
Sun Jan 01, 2017 2:35 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3541

Re: Vacationing in Spain - how to pay for things?

... just be aware around the city: do not put your wallet in the back pocket, do not leave your purse in another chair while you are sitting, basically keep valuables close to your body. Those people are "artists". ... A post today from Barcelona: https://community.ricksteves.com/travel-f...
by Jeff Albertson
Thu Dec 29, 2016 7:44 am
Forum: Personal Consumer Issues
Topic: France or Switzerland
Replies: 52
Views: 5493

Re: France or Switzerland

People are not very good in evaluating risk. from Bill Gate's blog: https://www.gatesnotes.com/Health/Most-Lethal-Animal-Mosquito-Week https://www.gatesnotes.com/~/media/Images/Articles/Health/Most-Lethal-Animal-Mosquito-Week/BiggestKillers_final_v8_no-logo.jpg?la=en&hash=6F947593F748D318F5AA194...
by Jeff Albertson
Fri Dec 23, 2016 7:24 pm
Forum: Personal Consumer Issues
Topic: Vacationing in Spain - how to pay for things?
Replies: 42
Views: 3541

Re: Vacationing in Spain - how to pay for things?

You should be aware of "dynamic currency conversion" (DCC) & refuse it if offered.
by Jeff Albertson
Thu Dec 22, 2016 8:52 pm
Forum: Personal Consumer Issues
Topic: Cappuccino/Espresso machine recommendations?
Replies: 39
Views: 3074

Re: Cappuccino/Espresso machine recommendations?

I look forward to a Nespresso 'fortissio lungo' first thing in the morning. It's kind of hard to pay $0.70 per capsule plus $5.95 shipping when Nestle charges only €0.37 ($0.386) in Europe with free pickup in most larger cities.
by Jeff Albertson
Sun Nov 06, 2016 9:58 pm
Forum: Investing - Theory, News & General
Topic: S&P500 current (over)valuation
Replies: 34
Views: 4439

Re: S&P500 current (over)valuation

FWIW, Bill Miller discussed stock valuations on the current Bloomberg 'Masters in Business' podcast.
He recently said that “stocks are stupidly cheap but bonds are ridiculously over-priced.”

http://ritholtz.com/2016/11/mib-bill-miller-cio-legg-mason/
by Jeff Albertson
Sun Nov 06, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: google phone project fi
Replies: 37
Views: 4682

Re: google phone project fi

bberris wrote: Have you tried calling their support?

+1
by Jeff Albertson
Fri Nov 04, 2016 12:35 pm
Forum: Personal Consumer Issues
Topic: Buying an Audi A4
Replies: 73
Views: 6865

Re: Buying an Audi A4

If it were me i would do the following: 1 - Buy a used car with the lowest miles you can afford. Deprecation will destroy you for a new car. Unless you really NEED a new car then by all means, go for it! :) The wife wants a new car. As the wise Tom Magliozzi frequently advised on Car Talk: ‘Would y...
by Jeff Albertson
Wed Oct 26, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 7608

Re: What podcasts do you listen to?

I watched the first one last night, thanks to Jeff's and your post. Yes, very enjoyable. And a great satirical dig on contemporary society. I laughed out loud at the ending. Anywow, that's TV, not a podcast, so I should not derail this thread any further. Another Brooker interview on BBC's Newsnigh...
by Jeff Albertson
Fri Oct 21, 2016 10:37 pm
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 7608

Re: What podcasts do you listen to?

Barry Ritholtz interviewed Bill McNabb again this week in his Bloomberg's 'Masters in Business' podcast.
Terry Gross interviewed Charlie Brooker on the third season of Black Mirror (Netflix), on NPR's Fresh Air.
by Jeff Albertson
Fri Oct 21, 2016 10:03 pm
Forum: Personal Consumer Issues
Topic: Best Albums of 2016
Replies: 90
Views: 7754

Re: Best Albums of 2016

Mercedes Benz used to published a mix tape periodically. Depends on your taste, but generally excellent music. They stopped about 18 months ago. An archive of 63 mix tapes (790+ tracks) is still available on iTunes, or here (only the first 59 tapes, 670+ tracks): http://www.elias-lange.de/mercedes-b...
by Jeff Albertson
Tue Oct 18, 2016 7:09 am
Forum: Investing - Theory, News & General
Topic: Can gold and real estate grow in real terms in the very long run?
Replies: 32
Views: 2858

Re: Can gold and real estate grow in real terms in the very long run?

The Economist's Buttonwood posted this yesterday:
Interesting chart from Michael Hartnett at BAML. Real assets (property, commods) are at a 90-yr low rel to financial assets (stocks, bonds)

https://twitter.com/econbuttonwood/status/788008168651644928
by Jeff Albertson
Wed Oct 12, 2016 11:13 am
Forum: Personal Consumer Issues
Topic: What podcasts do you listen to?
Replies: 67
Views: 7608

Re: What podcasts do you listen to?

'The Writer's Almanac with Garrison Keillor' every day, five minutes
http://writersalmanac.org/

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