Search found 407 matches

by Jeff Albertson
Sun Dec 10, 2017 8:16 pm
Forum: Personal Consumer Issues
Topic: Espresso Machine suggestions?
Replies: 38
Views: 2118

Re: Espresso Machine suggestions?

Nespresso compatible capsules are available from Amazon and Aldi. The Amazon ones are from the Bestpresso brand from Spain, about 33 cents per pod. The Aldi version, $3.59 for ten pods. Original Nespresso pods are about 70 cents. You can probably find a blend at each of these companies that you like...
by Jeff Albertson
Fri Dec 08, 2017 8:47 am
Forum: Investing - Theory, News & General
Topic: When Bitcoin blows-up
Replies: 55
Views: 4116

Re: When Bitcoin blows-up

Anyone have any idea what percentage of bitcoin holdings are in the US? Is there any way to even know? You can see the trading volume, by currency, here - https://www.cryptocompare.com/coins/btc/analysis/USD Holdings, rather than trading volume, is harder, maybe impossible, to know. The Bitcoin Wha...
by Jeff Albertson
Thu Dec 07, 2017 12:24 pm
Forum: Personal Consumer Issues
Topic: Safest roomy luxury suv?
Replies: 58
Views: 5063

Re: Safest roomy luxury suv?

The Insurance Institute for Highway Safety’s list of top picks for 2018 - http://www.iihs.org/iihs/news/desktopnews/higher-standards-62-models-meet-tougher-criteria-to-earn-iihs-awards The 15 TOP SAFETY PICK+ winners include four small cars, three midsize cars, five large luxury cars, two midsize no...
by Jeff Albertson
Wed Dec 06, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Didn't buy Bitcoin at $4600
Replies: 138
Views: 10602

Re: Didn't buy Bitcoin at $4600

The U.S. may be just a small part of the crypo-craze. And last week, trading between the Korean currency, the won, and Ether, the most valuable Bitcoin competitor, was nearly as active as trading between the dollar and Ether — despite the fact that Korea’s population is one-sixth that of the United ...
by Jeff Albertson
Sun Dec 03, 2017 5:46 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 230
Views: 17232

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Bloomberg has summarized the bitcoin opinions of about three dozen business celebs in this article, "Bitcoin Bulls and Bears - Who's Hot, Who's Not on Crypto"
https://www.bloomberg.com/features/bitcoin-bulls-bears/
by Jeff Albertson
Tue Nov 28, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Vanguard seeks SEC relief for US active ETFs:
Replies: 14
Views: 1955

Re: Vanguard seeks SEC relief for US active ETFs:

VALLEY FORGE, Pa., Nov. 28, 2017 /PRNewswire/ -- Vanguard today filed a registration statement for six new factor-based ETFs and one factor-based mutual fund, representing Vanguard's first introduction of actively managed ETFs in the U.S. The company currently offers suites of active factor ETFs in...
by Jeff Albertson
Mon Nov 27, 2017 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Interesting ride so far - Crypto-curriencies
Replies: 86
Views: 5538

Re: Interesting ride so far - Crypto-curriencies

I think I'm going to have to go get a shoe shine and see if they have any tips about which of these cryptocurrencies to invest in. Given their clientele, shoeshiners have access to some pretty good inside information, I wager ;-). I think you want Johnny the Shoeshine Guy from 1982 ABC tv series Po...
by Jeff Albertson
Sun Nov 19, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 100
Views: 8710

Re: Crashplan for Home ending service late 2018

PC Mag has a list of services and lists I-Drive and SOS-Online as excellent. The description seems to indicate I-Drive would work like an encrypted, backup with up to 10 versions, and concurrently be like a synced cloud drive, so I would have access to 100% of my personal files online even if trave...
by Jeff Albertson
Fri Nov 17, 2017 8:04 pm
Forum: Personal Consumer Issues
Topic: BMW to Chevy Bolt?
Replies: 30
Views: 2428

Re: BMW to Chevy Bolt?

Bolt is Motor Trend's 2017 car of the year - http://www.motortrend.com/news/chevrolet-bolt-ev-2017-car-of-the-year/ Perhaps the most impressive thing about the Bolt EV is there are no caveats, no “for an electric car” qualifiers needed in any discussion. It is, simply, a world-class small car, and t...
by Jeff Albertson
Fri Nov 17, 2017 2:51 pm
Forum: Investing - Theory, News & General
Topic: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.
Replies: 50
Views: 4607

Re: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.

Read William Bernstein's five part series on the "Retirement Calculator from Hell." Wade Pfau provides links and a summary here: https://www.mcleanam.com/william-bernsteins-the-retirement-calculator-from-hell/ from part three: ... Consider the implications of the above 97% success rate at a withdraw...
by Jeff Albertson
Fri Nov 17, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.
Replies: 50
Views: 4607

Re: Should we be using high equity retirement portfolios? - Some cFIREsim scenarios.

"I believe that economists put decimal points in their forecasts to show they have a sense of humor." - William Gilmore Simms
We're talking history here, not science. Future returns are unlikely to look like those from the past.
by Jeff Albertson
Sun Nov 12, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Do telecom stocks have a future?
Replies: 64
Views: 3470

Re: Do telecom stocks have a future?

Forbes cover 10 years ago.
"Nokia - 10 billion customers - can anyone catch the cell phone king?"
https://twitter.com/mikko/status/929740438294204416
by Jeff Albertson
Thu Nov 09, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 116
Views: 26480

Re: Vanguard's new security key option

Fintechnick wrote:
Tue Nov 07, 2017 10:52 pm
Yubikey unfortunately is a desktop only approach, so I personally use Google Auth whenever it's an option.
Yubico does have a device for mobile devices, yubikey neo.
https://www.yubico.com/solutions/yubikey-for-mobile/
by Jeff Albertson
Wed Nov 08, 2017 4:29 pm
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4188

Re: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

I suspect the remark is being interpreted different than his intent. The newspaper only reported a summary of a longer interview. Also note the reporter was not the one doing the interview.
by Jeff Albertson
Wed Nov 08, 2017 9:37 am
Forum: Investing - Theory, News & General
Topic: New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'
Replies: 24
Views: 4188

New CEO Tim Buckley: To run Vanguard, 'you have to be willing not to be a billionaire'

Mortimer “Tim” Buckley takes over in December, 2017 as Vanguard Group’s fourth chief executive since John C. Bogle started the Malvern investment group 42 years ago. In one of his first public appearances since he was named to the top job, Buckley stopped by Ritholtz Asset Management’s Evidence-Bas...
by Jeff Albertson
Wed Nov 08, 2017 7:25 am
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 4949

Re: What do you do to keep your mind sharp?

This process of creating new neurons, called neurogenesis, can be altered by lifestyle, including physical activity. Many past studies have shown that in laboratory rodents, exercise doubles or even triples the number of new cells produced in adult animals’ brains compared to the brains of animals ...
by Jeff Albertson
Tue Nov 07, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 75
Views: 18683

Re: WSJ Digital Subscription - a bargain!

There seems to be a pretty big firewall between the news and editorial teams at WSJ, with the news side seemingly much less slanted. OTOH, there's been almost no coverage of the "Paradise Papers" yet, and I find that interesting. You'll find a number of stories that say the opposite - https://www.g...
by Jeff Albertson
Tue Nov 07, 2017 2:05 pm
Forum: Personal Consumer Issues
Topic: Coffee makers: Moka, French Press, etc.
Replies: 64
Views: 5099

Re: Coffee makers: Moka, French Press, etc.

Agree, I switched from an aeropress to a clever dripper a few years ago. Both have similar brewing methods & results, the dripper is a little easier to use. Washington Post agrees - How to brew better coffee at home https://www.washingtonpost.com/lifestyle/food/how-to-brew-better-coffee-at-home-and-...
by Jeff Albertson
Sat Nov 04, 2017 6:31 pm
Forum: Investing - Theory, News & General
Topic: And the Nobel Memorial Prize in Economic Sciences goes to [Richard Thaler]
Replies: 97
Views: 8884

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

Thaler has two articles in the current NY Times: If you get health insurance from your employer, you have to make decision every year about which coverage to choose. ... But the mistake I am referring to is different. Because of human quirks, lack of understanding and overly complicated plans, many ...
by Jeff Albertson
Thu Nov 02, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Volvo "Overseas Delivery"
Replies: 14
Views: 1916

Re: Volvo "Overseas Delivery"

Also, doesn't Volvo build some cars in China? That would make Swedish delivery a little tough. Volvo is owned by the Chinese firm Geely Holding Group. You can check where each model is made here: https://en.wikipedia.org/wiki/Volvo_Cars#Production_locations https://en.wikipedia.org/wiki/List_of_Vol...
by Jeff Albertson
Tue Oct 31, 2017 6:43 pm
Forum: Personal Consumer Issues
Topic: Barcelona Trip
Replies: 23
Views: 1676

Re: Barcelona Trip

Your biggest concern should probably be petty crime, especially pickpocketing, especially in the areas with a lot of tourists.
https://www.google.com/search?source=hp ... lona+crime
by Jeff Albertson
Sat Oct 28, 2017 7:30 am
Forum: Investing - Theory, News & General
Topic: Why do I need bonds? (I'm 30)
Replies: 70
Views: 6633

Re: Why do I need bonds? (I'm 30)

from this guy named John Bogle: https://www.nytimes.com/2017/10/27/business/why-bonds-are-not-boring-now.html?rref=collection%2Fsectioncollection%2Fbusiness&action=click&contentCollection=business®ion=rank&module=package&version=highlights&contentPlacement=10&pgtype=sectionfront&_r=0 Prudent peop...
by Jeff Albertson
Fri Oct 27, 2017 2:28 pm
Forum: Personal Consumer Issues
Topic: Limit on carrying physical cash during domestic US flights
Replies: 35
Views: 3374

Re: Limit on carrying physical cash during domestic US flights

lot's of info out there Law enforcement took more stuff from people than burglars did last year https://www.washingtonpost.com/news/wonk/wp/2015/11/23/cops-took-more-stuff-from-people-than-burglars-did-last-year/ Jeff Sessions’s Justice Department turns a $65 million asset forfeiture spigot back on ...
by Jeff Albertson
Thu Oct 26, 2017 4:14 am
Forum: Investing - Theory, News & General
Topic: 5-year T-note yield rising, compare to Ally CD
Replies: 5
Views: 1399

Re: 5-year T-note yield rising, compare to Ally CD

Regarding taxes, in taxable accounts treasuries are exempt from state and local tax, but not federal.
by Jeff Albertson
Wed Oct 25, 2017 7:04 pm
Forum: Personal Consumer Issues
Topic: Planing Europe trip during Christmas, Eurorail pass or car rental
Replies: 16
Views: 882

Re: Planing Europe trip during Christmas, Eurorail pass or car rental

The rome2rio web site may be helpful in identifying transportation alternatives.
https://www.rome2rio.com/

If you only have two weeks, I would cut back the destinations to either one or two countries.
by Jeff Albertson
Tue Oct 24, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: What is a virtual private network (VPN) and how will it help me?
Replies: 14
Views: 1471

Re: What is a virtual private network (VPN) and how will it help me?

Some day some one will invent a way to search the internet for commonly asked questions. I bet that guy will make a fortune.
by Jeff Albertson
Mon Oct 23, 2017 11:40 am
Forum: Personal Consumer Issues
Topic: Running shoes/insoles
Replies: 35
Views: 2213

Re: Running shoes/insoles

Here's a lengthy review of insoles.
http://thesweethome.com/reviews/best-in ... d-walking/
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: 7419

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: 44
Views: 3679

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: 44
Views: 3679

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: 3945

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: 97
Views: 8884

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: 83
Views: 6216

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: 83
Views: 6216

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: 2843

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: 83
Views: 6216

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: 3592

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: 1494

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: 5943

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: 3592

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: 262
Views: 34875

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: 2588

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: 8143

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: 191
Views: 16664

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: 7900

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: 191
Views: 16664

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: 3218

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 ...