Search found 347 matches

by Jeff Albertson
Thu Aug 10, 2017 6:35 pm
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2147

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: 2570

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: 2784

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: 1104

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...
by Jeff Albertson
Sat Jul 22, 2017 6:11 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 202
Views: 23621

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: 1288

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: 1571

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: 57
Views: 4064

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 pane...
by Jeff Albertson
Mon Jul 10, 2017 7:45 am
Forum: Personal Consumer Issues
Topic: Buying house - Very important decision
Replies: 220
Views: 17217

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: 6869

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: 4746

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: 5863

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: 2475

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: 6851

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: 86
Views: 6851

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: 53
Views: 4493

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: 1230

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: 389

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: 5238

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: 5238

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: 5321

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: 1651

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

This may help your thinking m 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 poker chips: Say you have five poker chips, four worth $10 and one worth $100. The five chips have an average val...
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: 5457

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: 7750

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: 1886

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: 10954

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: 2829

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: 2969

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: 2001

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: 3286

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: 6780

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: 8602

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: 3503

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: 3691

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: 3691

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: 154
Views: 12927

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: 2521
Views: 796642

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: 1096

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: 40
Views: 3865

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: 10497

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: 975

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
Sat Feb 25, 2017 9:43 am
Forum: Personal Consumer Issues
Topic: Financial Times subscriptions for less?
Replies: 14
Views: 1423

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.