Search found 492 matches

by MindBogler
Tue Dec 12, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 44
Views: 2400

Re: Linux based laptop or just a Windows based laptop formatted?

I don't know, but my question is still unanswered. What's the point of a firewall when there are no daemons listening? When through ignorance or malice a process begins to listen on a port without the courtesy of notifying you? How many people know how to identify which processes are listening on a...
by MindBogler
Sun Dec 10, 2017 6:32 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 44
Views: 2400

Re: Linux based laptop or just a Windows based laptop formatted?

unless you understand how to secure a linux laptop, I suggest you purchase a windows laptop with good av, malware and firewall protection. I ran a linux laptop for a while since we were using linux for a client project. In the end, it was more work that it was worth and I went back to windows. Not ...
by MindBogler
Sun Dec 10, 2017 6:23 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 44
Views: 2400

Re: Linux based laptop or just a Windows based laptop formatted?

The two things I use most on my windows computers that I am having trouble with on Linux is a replacement for Excel that works as well (I like the 20% of excel that few people use) and the windows file system, which has an excellent GUI and I'm familiar writing scripts for in the cmd shell. What is...
by MindBogler
Fri Dec 08, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Linux based laptop or just a Windows based laptop formatted?
Replies: 44
Views: 2400

Re: Linux based laptop or just a Windows based laptop formatted?

With this being said and wanting to keep security in mind, I think it would be wise to venture off into a laptop that is Linux based or maybe, *gulp* even IOS. The idea that a Linux machine is inherently more secure than Windows 10 is not based in reality. Unless you know what you're doing the trut...
by MindBogler
Fri Dec 08, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6608

Re: Bitcoin now the largest quantifiable bubble in history?

There are some use cases. People in Europe are working and sending money home via BTC to their families. I bought some meds I want to keep private using BTC just because it seemed like a fun thing to do in 2017. Private from whom? Who would have known about the medication you bought if you had paid...
by MindBogler
Sun Nov 19, 2017 9:10 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3696

Re: Oregon makes you save, unless you object. NYT article

The point is not valid at all. This STAR fund existed with or without those Oregonian investing in this fund. And, the expense rate is below 1%. KlangFool I wholeheartedly agree. The ends don't justify the means. In Oregon's case, while the intentions may be pure, the implementation is highly flawe...
by MindBogler
Sun Nov 19, 2017 4:03 pm
Forum: Investing - Theory, News & General
Topic: Oregon makes you save, unless you object. NYT article
Replies: 50
Views: 3696

Re: Oregon makes you save, unless you object. NYT article

Seems like a bit of the perfect being the enemy of the good in some of these criticisms. Is the OR plan preferable to everyone saving in an IRA with a low cost fund? No. But that isn’t happening. 1% isn’t completely ridiculous if that’s what it takes to nudge folks toward saving, and all the eviden...
by MindBogler
Tue Oct 31, 2017 9:53 am
Forum: Personal Consumer Issues
Topic: Get Lexus service at Toyota and save?
Replies: 29
Views: 1827

Re: Get Lexus service at Toyota and save?

There is no reason to my knowledge. The cars are often materially the same as standard Toyota models with slight alterations in appearance or performance. The same goes for Lincoln/Ford, Infiniti/Nissan and others, probably.
by MindBogler
Mon Sep 04, 2017 12:43 pm
Forum: Investing - Theory, News & General
Topic: China drops the Hammer on Cryptocurrencies
Replies: 23
Views: 3237

Re: China drops the Hammer on Cryptocurrencies

The only thing that surprises me is that China did this before the US. That move won't be far behind, I think.
by MindBogler
Thu Aug 31, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Vehicle Toubleshooting (multiple issues)
Replies: 61
Views: 3386

Re: Vehicle Toubleshooting (multiple issues)

UPDATE: Problem was indeed a dead battery. Thanks all for your help. It takes a village. :D Battery is only 9 months old so that's concerning. But it checked out as still good. There may be something causing a parasitic power drain. You can buy a multimeter and use it to measure the amp draw while ...
by MindBogler
Tue Aug 29, 2017 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Real estate vs stock market returns: some unbiased numbers
Replies: 40
Views: 5534

Re: Real estate vs stock market returns: some unbiased numbers

"Can you help me understand where's the fallacy of my thinking then?" want us to be direct ? you are blinded by greed right now and unable to hear anything that contradicts your fantasy (picked up from biggerpockets or elsewhere). As any other 'wonna be' you will make up every possible mental excus...
by MindBogler
Tue Aug 29, 2017 9:12 pm
Forum: Investing - Theory, News & General
Topic: Can stocks or Bitcoin drop to about zero?
Replies: 45
Views: 4071

Re: Can stocks or Bitcoin drop to about zero?

It is literally impossible to look at the blockchain and determine who owns what. Where the IRS and other governmental agencies have nabbed folks is when they exchange dollars for bitcoin or working directly with the exchange to find a particular bitcoin owner. Determining possession by inference i...
by MindBogler
Mon Aug 28, 2017 8:57 pm
Forum: Investing - Theory, News & General
Topic: Can stocks or Bitcoin drop to about zero?
Replies: 45
Views: 4071

Re: Can stocks or Bitcoin drop to about zero?

The problem for governments trying to do that is they don't know who is and isn't holding bitcoins. You might want to do some more research. The government has nabbed people using bitcoin and confiscated their assets. Are they going to expend the effort for every single bitcoin holder? Probably not...
by MindBogler
Thu Aug 24, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sigh...I'm ready for criticism...how am I doing?
Replies: 50
Views: 7026

Re: Sigh...I'm ready for criticism...how am I doing?

I guess I'll be the first one to say that you have a shoestring savings compared to your obligatory expenses. You need to get 4-6 months of expenses saved up, stat. Sell that 2nd house if you can, rent it if you can't. Get a property manager if you must because as another poster said, you're in the ...
by MindBogler
Thu Aug 24, 2017 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6266

Re: Why do we consider cash flow from rentals but not our own homes?

I find that interesting, I think the (far) more prevalent view here (and elsewhere) is that home ownership is the panacea and renting is always the wrong choice. Perhaps I frequent the wrong threads or somehow find all the ones vehemently opposed to buying. :shock: I think we're saying mostly the s...
by MindBogler
Wed Aug 23, 2017 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6266

Re: Why do we consider cash flow from rentals but not our own homes?

My rent includes rent, that is all. If property taxes go up mid-lease my rent doesn't go up, if maintenance goes up my rent doesn't go up. If my landlord has interest expense but the other 10 renting the same units don't or didn't challenge his property tax increase as the others did he shouldn't e...
by MindBogler
Wed Aug 23, 2017 7:16 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6266

Re: Why do we consider cash flow from rentals but not our own homes?

They aren't paying for those things, at least not any more than someone who purchases a car is paying for crash tests, factory emissions testing and manufacturing line maintenance. You are paying rent, that is it - what the landlord does with that income to cover their costs is a distraction at bes...
by MindBogler
Wed Aug 23, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6266

Re: Why do we consider cash flow from rentals but not our own homes?

I'll repeat, the phrase 'renting is throwing away money' is outright wrong and only confuses rational decision making. You shouldn't concern yourself with the landlords cost base and how you cover that - all you should concern yourself with is what it costs you and what it would cost you (not the l...
by MindBogler
Wed Aug 23, 2017 6:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we consider cash flow from rentals but not our own homes?
Replies: 89
Views: 6266

Re: Why do we consider cash flow from rentals but not our own homes?

Still, the "renting is throwing money" phrase is misleading as only a fraction of that rental payment is the savings you would achieve if you had owned that same property. That phrase is misleading because it is outright wrong and serves only to confuse rational decision making. Renting isn't throw...
by MindBogler
Mon Aug 21, 2017 4:03 pm
Forum: Personal Finance (Not Investing)
Topic: Jobs that pay over $100,000
Replies: 157
Views: 17046

Re: Jobs that pay over $100,000

There are some professions where you don't have to be in the upper echelon to make $100k+ in a corporate environment. Sales, engineering, IT/computer/ middle management, sometimes factory supervisors & workers who put in a lot of overtime. I wouldn't call $100k+ common for IT but it is possible. Pe...
by MindBogler
Mon Aug 21, 2017 3:21 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14646

Re: I own no international stocks. Can you guess why?

I'd rather know why you feel like that position is a gamble worth making? . MindBogler: Read my latest post (it's 2 posts above yours). Best wishes. Taylor Well that is a fair position, it sounds like you've already won the game. I, on the other hand, have at least another 15 years before I could e...
by MindBogler
Mon Aug 21, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: I own no international stocks. Can you guess why?
Replies: 167
Views: 14646

Re: I own no international stocks. Can you guess why?

I once allocated over 30% of my equity in international stocks. I have gradually reduced my international allocation to 00% . Can you guess why? I'd rather know why you feel like that position is a gamble worth making? Even if there had been a drastic difference in total return over the last 30 yea...
by MindBogler
Sun Aug 20, 2017 9:04 pm
Forum: Investing - Theory, News & General
Topic: Japanese Bubble Burst 1989
Replies: 78
Views: 7888

Re: Japanese Bubble Burst 1989

Valuethinker wrote:
Sun Aug 20, 2017 9:58 am
The lesson there is that if you are close to retirement you need to have a decent chunk of bonds to survive a long bear market.
If that is half of the lesson then the other is that one cannot afford to hold equities from a single country.
by MindBogler
Tue Aug 15, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: Plan for making child pay for part of college
Replies: 111
Views: 6450

Re: Plan for making child pay for part of college

KlangFool wrote:
Mon Aug 14, 2017 8:04 pm
OP,

What is the question? You just need to tell this to your children and make sure that you can hold your ground. It is your money. You get to choose how to spend it.

KlangFool
This. I also think young kids having some skin in the game is a valuable life lesson.
by MindBogler
Tue Aug 15, 2017 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: 27y/o w/ 150k debt buying 685k house
Replies: 41
Views: 4824

Re: 27y/o w/ 150k debt buying 685k house

2012heel wrote:
Tue Aug 15, 2017 1:18 pm
I have. Don't think he listened.
At a certain point you have to stop worrying about your friend's finances. People need to learn and make their own mistakes. They aren't under your control and you shouldn't be worrying about them.
by MindBogler
Tue Aug 08, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 9239

Re: news yesterday that Buffett has $100,000,000,000 in cash now

Im not sure he needs that much money. Sometimes, we have someone who posts, that they want to have 10M or 12M, and it seems like a lot of people get upset. Then, when it is Mr. Buffet, the negativity doesnt come out. It seems odd that he has that much money at his age. People get upset when someone...
by MindBogler
Tue Aug 08, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: news yesterday that Buffett has $100,000,000,000 in cash now
Replies: 65
Views: 9239

Re: news yesterday that Buffett has 100,000,000,000 in cash now

new2bogle wrote:Well, that's what you get for reading drudgereport - "news" that is almost entirely wrong.

I forget, what's the reasoning on why Buffett doesn't pay dividends?
It's a news aggregator. It still requires that you put forth effort to read the underlying article.

:beer
by MindBogler
Mon Jul 24, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Investing Education and Mansplaining
Replies: 128
Views: 9340

Re: Investing Education and Mansplaining

I could explain mansplaining but then you wouldn't understand. :beer /sarc Humor aside (everything is better with humor, of course): We've arrived at a point in time where it is becoming socially unacceptable to talk about subjects without wearing credentials on one's sleeve. It does not logically f...
by MindBogler
Fri Jul 14, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: Why Does The 60/40 Work So Well?
Replies: 81
Views: 13146

Re: Why Does The 60/40 Work So Well?

I noticed the often recommended 60/40 split in a three fund portfolio is : 40% U.S. Stocks 20% International Stocks 40% Total (U.S.) Bonds Yet why no international bonds? Maybe because no one has presented a compelling case as to why people should take on the currency risk of international bonds. B...
by MindBogler
Fri Jul 14, 2017 7:49 am
Forum: Personal Finance (Not Investing)
Topic: When to max out 401k (Aspiring Early Retiree)
Replies: 89
Views: 5605

Re: When to max out 401k (Aspiring Early Retiree)

You can not afford a $450k+ mortgage on a salary of $76k. How do you figure you can afford it? Agreed. We don't know anything about fiancée's potential income but I don't think that matters at this early stage. Add more to the 401k. Don't rush into a mortgage until you and your spouse are settled. ...
by MindBogler
Wed Jul 12, 2017 9:28 pm
Forum: Personal Finance (Not Investing)
Topic: Possible Relocation to Portland, OR
Replies: 26
Views: 2527

Re: Possible Relocation to Portland, OR

+1 on renting at first. If you do buy a house in Portland then getting earthquake insurance is a good idea since there is a fair amount of earthquake risk. +2 on renting at first. Housing in Portland is a little frothy anyway and the various areas east vs west side are so different that it wouldn't...
by MindBogler
Sun Jul 02, 2017 9:06 pm
Forum: Personal Consumer Issues
Topic: Cat teeth cleaning costs
Replies: 36
Views: 3901

Re: Cat teeth cleaning costs

Basic old school question here: Why the heck does a cat need its teeth cleaned? It's a Cat! What shape would your teeth be in if you never had them cleaned and never brushed? Animals in the wild never see a vet, let alone a dentist. And their teeth don't fall out. Threads like these make me glad I ...
by MindBogler
Sat Jul 01, 2017 4:14 pm
Forum: Investing - Help with Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 5564

Re: Beginner needs sanity check moving a lot of cash to market.

He is young. His debt is consolidated in a "single,nondiversified illiquid asset". If the house is in a high demand part of the country, such as the West Coast, it is money in the bank. I agree to disagree. I'm sorry but your advice is not ideal for this couple. Removing debt is a noble goal, but i...
by MindBogler
Sat Jul 01, 2017 2:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 139
Views: 19673

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

VMMXX now beats Ally online savings. Now Ally jumped from 1.05% to 1.15% ahead of VMMXX 1.07%. VMMXX had gone from 0.01% to 1.00% in 2 years, while online savings accounts had barely budged, but now it looks like competition is finally picking up between the banks, so we are seeing those rates fina...
by MindBogler
Sat Jul 01, 2017 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else got all their eggs in only the Vanguard basket?
Replies: 41
Views: 4619

Re: Anyone else got all their eggs in only the Vanguard basket?

I would say about 3/4 of my investments are in Vanguard funds but only about 1/3 are invested directly through Vanguard. The remaining 1/4 are in various Fidelity offerings that are in my current 401k. I always roll my 401ks over to Vanguard when changing jobs. But I also have a government 457 which...
by MindBogler
Fri Jun 30, 2017 11:07 pm
Forum: Investing - Theory, News & General
Topic: Why is it ok to avoid Chinese A Shares?
Replies: 41
Views: 3115

Re: Why is it ok to avoid Chinese A Shares?

China A shares are not transparent enough yet. The whole market is too nebulous to recommend anyone invest in. What do you really own?
by MindBogler
Thu Jun 29, 2017 9:03 pm
Forum: Personal Finance (Not Investing)
Topic: Familiar w/ DocuSign? Secure?
Replies: 13
Views: 1119

Re: Familiar w/ DocuSign? Secure?

I completed every document for new construction except final closing via Docusign. I also sold my last property via Docusign (also minus closing). I believe they are trustworthy.
by MindBogler
Thu Jun 29, 2017 6:30 pm
Forum: Investing - Theory, News & General
Topic: Time in the market is more important, But seriously ?
Replies: 60
Views: 8333

Re: Time in the market is more important, But seriously ?

I understand the concept of hedging -- meaning as the markets fall you buy more and buy less when its as its peak -- however i am buying my entire investment into index funds at a known peak period . What would be your suggestion? I think one thing this post lacks is context. Are you early 20s and ...
by MindBogler
Thu Jun 29, 2017 8:46 am
Forum: Personal Finance (Not Investing)
Topic: Negotiating a House Using Seller's Agent (opinions wanted)
Replies: 101
Views: 6530

Re: Negotiating a House Using Seller's Agent (opinions wanted)

livesoft wrote:Add a bank appraisal / loan contingency to your offer.
Always!
by MindBogler
Wed Jun 28, 2017 11:17 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 11417

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

Contradictions all around. You don't predict return, but you do assume long-term positive returns. You don't predict return, but you do predict risk, as if the two aren't related. You set AA for risk management, and the value of the portfolio and your personal circumstances, but the value of the po...
by MindBogler
Wed Jun 28, 2017 9:41 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 11417

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

Setting one's asset allocation is a market-independent decision, at least it's supposed to be. But don't suppose that just because someone might abuse the practice of setting up (and sticking to ) their IPS and asset allocation you get to impugn us all. You're proposing changing your asset allocati...
by MindBogler
Wed Jun 28, 2017 7:50 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 11417

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

Do you think we should follow their advice today and go 0% stocks for the next ten years? Even though there is no way to prove or disprove their model? Changing your AA based on market conditions (valuations) is absolutely market-timing. It's the DEFINITION of market-timing. You are changing your A...
by MindBogler
Wed Jun 28, 2017 6:36 pm
Forum: Investing - Theory, News & General
Topic: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry
Replies: 142
Views: 11417

Re: Yes, This Is Market Timing: If the CAPE Goes Above 30, Bring on the Larry

Do you think we should follow their advice today and go 0% stocks for the next ten years? Even though there is no way to prove or disprove their model? It doesn't mean you should be at 100% stocks either. I think it is fairly obvious that valuations matter. The problem with this forum is that whene...
by MindBogler
Tue Jun 27, 2017 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 2818

Re: Realtor fee negotiations

Goal33 wrote:Sorry for stealing your thread, but my point is, don't have a family / friend realtor represent you. And make sure any deal is in writing.
This is strong advice in general. Family and business are two things best left unmixed.
by MindBogler
Tue Jun 27, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Realtor fee negotiations
Replies: 27
Views: 2818

Re: Realtor fee negotiations

I've had luck getting 1% knocked off both as a buyer and a seller. I would be surprised by any agent that wouldn't accept a 5% sale.
by MindBogler
Tue Jun 27, 2017 6:15 pm
Forum: Personal Finance (Not Investing)
Topic: Middle age job blues
Replies: 86
Views: 9673

Re: Middle age job blues

There is nothing scary about this thread. I know plenty of 50+ tech people that can find jobs easily. One of my colleague (around 50 year old) was laid off this year 2017, went for 3 interviews and all 3 companies want to hire him. He is pretty good at programming and has no problem writting code o...
by MindBogler
Sun Jun 25, 2017 3:29 pm
Forum: Personal Consumer Issues
Topic: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????
Replies: 10
Views: 1099

Re: Auto Throttle Body Servicing & Injector Flush: 2017 Equivalent to Strut Scam????

Scam... People LOVE injector cleaning, which is a joke since gasoline IS an excellent solvent. Add to the fact that 10% ethanol is even better of a cleaning solvent. No, it's not a scam. The scam is paying someone to clean your injectors. All they do is dump a can of BG-44K or similar into the fuel...
by MindBogler
Sun Jun 25, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 7359

Re: International Stocks - New thoughts

I haven't seen any compelling reason to hold bonds denominated in another currency. More to the point, is there a compelling reason to avoid such bonds? The real return of bonds is such that the majority of the return is likely to be dominated by currency fluctuation. A declining dollar will have t...
by MindBogler
Sun Jun 25, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 7359

Re: International Stocks - New thoughts

Nobody has mentioned " total international bond index funds" in their folios on this post. I reduced mine gradually from 30% to ZERO in the past year because I prefer USA centric bond funds with the same, or less, risk characteristics. No hedging to contend with or exchange rates.. Am I right? (I c...
by MindBogler
Sat Jun 24, 2017 8:04 pm
Forum: Investing - Help with Personal Investments
Topic: 20 Years To Med School: Saving For Tuition Math
Replies: 28
Views: 2560

Re: 20 Years To Med School: Saving For Tuition Math

I realize this; I figure we can still use the savings for other purposes. Somehow I feel that I'd rather have the money ready for Med or any other professional school (college already funded via prepaid tuition) and the child not go that route than the opposite: the child wanting and being able to ...