Search found 2218 matches

by dumbmoney
Mon Apr 04, 2016 5:32 pm
Forum: Personal Consumer Issues
Topic: led vs cfl
Replies: 102
Views: 6279

Re: led vs cfl

Has anybody found high lumen LED bulbs? With CFL, you can get big cfl bulbs with high lumens. For example, this was a double-d CFL light which I converted in to LED ring. It is nice but still not as bright as the original CFL. Something like this? Feit C4000/5K/LED 300W Replacement 5000K Non-Dimmab...
by dumbmoney
Sat Jan 09, 2016 12:55 pm
Forum: Personal Consumer Issues
Topic: Smartphone security 101?
Replies: 45
Views: 3812

Re: Smartphone security 101?

Set up everything involving payments to require a password or number each time. That protects you not only from strangers, but also from accidental purchasing.
by dumbmoney
Sat Dec 12, 2015 4:11 am
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 9214

Re: [Third Avenue liquidates its high-yield bond fund]

Presumably what happened is that the NAV of the fund became detached from reality, which could happen if the fund holds bonds that don't routinely trade, and aren't very similar to bonds that do routinely trade. This triggered a "run" on the fund by the more engaged/sophisticated investors...
by dumbmoney
Fri Nov 27, 2015 2:38 pm
Forum: Personal Consumer Issues
Topic: Perfectly legal ways you can still get Windows 7 cheap (or even free)
Replies: 15
Views: 2514

Re: Perfectly legal ways you can still get Windows 7 cheap (or even free)

Unfortunately, what my wife and I discovered, when, scared of Vista, when she pounced on one of the last available retail PCs with Windows XP preinstalled... the problem is that Microsoft can make life miserable for anyone running an older version of Windows than Microsoft wants people to use. I am...
by dumbmoney
Sun Nov 15, 2015 9:22 am
Forum: Personal Consumer Issues
Topic: $50 Amazon Fire Tablet (Initial Impressions)
Replies: 33
Views: 6229

Re: $50 Amazon Fire Tablet (Initial Impressions)

I got one of these as a toy. It comes close to being a great device. The screen resolution is a bit low for reading, that's the only problem. I wish they had omitted the two (!) cameras and spent the money on a better screen. For watching videos or playing games, though, the screen is fine.
by dumbmoney
Wed Oct 07, 2015 12:54 am
Forum: Personal Consumer Issues
Topic: Buy a color printer [inkjet] or black and white [laser] for light home use?
Replies: 106
Views: 5997

Re: Should I buy a color printer or black and white for light home use?

Black and white lasers are a good value. Be sure to get one with "duplex" (double sided) printing, that's a great feature.
by dumbmoney
Sun Sep 20, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: Japan vs US stock returns over 30 years - Why So Different?
Replies: 43
Views: 3455

Re: Japan vs US stock returns over 30 years - Why So Different?

I did a quick calculation of what one dollar invested in the Nikkei 225 over 30 years would be. That dollar would be worth something like $1.60 today - obviously a terrible investment The S&P 500 return over the same period has a CAGR of about 8.5% so that dollar would be worth something like $...
by dumbmoney
Thu Sep 17, 2015 7:09 pm
Forum: Investing - Theory, News & General
Topic: NY Times, Fed’s Policy Mechanics Retool for a Rise in Interest Rates
Replies: 35
Views: 1540

Re: NYTimes: Fed will use new tools to try to change interest rates

If in some years they might not transfer a single dollar to the Treasury, that tells me that there might also be some years in which they don't have enough or would they they switch to a different plan? Or aren't they saying? Or don't they know? If the Fed loses money, they won't resume paying divi...
by dumbmoney
Tue Sep 08, 2015 5:46 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 6123

Re: Poor man's auto navigation system?

The poor man's solution is a $50 smartphone with offline maps.
by dumbmoney
Tue Sep 08, 2015 5:20 am
Forum: Investing - Theory, News & General
Topic: Has the "Equity Premium Puzzle" Been Solved?
Replies: 41
Views: 2933

Re: Has the "Equity Premium Puzzle" Been Solved?

Theory heavy papers should be read as suggestions rather than descriptions. I don't believe for a second that investors are forecasting rare events, but maybe they ought to.
by dumbmoney
Sat Sep 05, 2015 2:22 am
Forum: Personal Consumer Issues
Topic: LED fluorescent tubes
Replies: 11
Views: 1898

Re: LED fluorescent tubes

This site has some information:
http://www.designingwithleds.com/catego ... ineartube/

Most require getting rid of the ballast (that is, direct connection to AC power), but some require it, and others can work with or without. It's best to get rid of it since it's another point of failure.
by dumbmoney
Thu Sep 03, 2015 3:18 pm
Forum: Personal Consumer Issues
Topic: New Google Type Face
Replies: 12
Views: 1605

Re: New Google Type Face

For years, there was the objection that screens didn't have high enough resolution to render serifs well and sans-serif was somewhat better on-screen, but how ironic that we should abandon them just as "retina" and "HD" displays with >200 dpi, which display serifed fonds beautif...
by dumbmoney
Mon Aug 31, 2015 6:10 am
Forum: Personal Consumer Issues
Topic: Watching NFL Games Via Webstream
Replies: 16
Views: 2264

Re: Watching NFL Games Via Webstream

The NFL used to offer delayed streams to U.S. customers for a reasonable $40. This year they jacked up the price to $100, which is too much for me (last year I only watched 3 games this way). The video quality is mediocre, on par with free live streams like NBC Sunday Night Football.
by dumbmoney
Wed Aug 26, 2015 5:49 pm
Forum: Investing - Theory, News & General
Topic: What, exactly, is meant by "the markets" (plural)?
Replies: 9
Views: 731

Re: What, exactly, is meant by "the markets" (plural)?

This thread feels vaguely familiar... https://www.bogleheads.org/forum/viewtopic.php?t=117954 What's meant by "the markets" (plural)? Postby nisiprius » Wed Jun 12, 2013 12:51 pm Very slow double-take... for years I've heard people refer to the markets, plural. I'm pretty clear that when p...
by dumbmoney
Wed Jul 22, 2015 6:16 pm
Forum: Personal Consumer Issues
Topic: Greatest money lesson movie
Replies: 71
Views: 8138

Re: Greatest money lesson movie

Fargo
by dumbmoney
Mon Jul 13, 2015 2:25 am
Forum: Personal Consumer Issues
Topic: Wiring home network cable type?
Replies: 30
Views: 2198

Re: Wiring home network cable type?

Another option is IP over your electrical wiring. I use that to connect my modem/wifi with another wifi in another part of the house. Works great. I have one of those, a recent highly touted model, and in my testing it didn't work well at all. Tried in my home and another building; they worked only...
by dumbmoney
Sat Jul 11, 2015 5:52 am
Forum: Investing - Theory, News & General
Topic: Emerging Markets Index and China A-Shares, 1995-2015
Replies: 4
Views: 635

Re: Emerging Markets Index and China A-Shares, 1995-2015

Are you sure your graph includes dividends?
by dumbmoney
Fri Jul 10, 2015 10:49 pm
Forum: Investing - Theory, News & General
Topic: Why do we care about price movements? Aren't earnings all that matter?
Replies: 44
Views: 3879

Re: Why do we care about price movements? Aren't earnings all that matter?

You can't strictly speaking live off earnings because you don't know what the future holds. You can sell your stocks based on an earnings forecast (which may indeed ignore stock prices). However, this doesn't make you immune to stock price movements. What is true is that planning to die rich is a mo...
by dumbmoney
Wed Jul 08, 2015 10:20 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 5304

Re: Bloomberg Article: The Hugely Profitable, Wholly Legal Way to Game the Stock Market

Gus Sauter of Vanguard has acknowledged that the S&P500 index probably suffers from 25 bps of front running Does this suggest an offsetting benefit to the Extended Market Index? If so, since the market cap of the S&P 500 is 4 times the market cap of the Extended Market Index, does that mean...
by dumbmoney
Wed Jul 08, 2015 6:40 am
Forum: Investing - Theory, News & General
Topic: Half of China Major Stocks Cease Trading. Impact Globally?
Replies: 36
Views: 3882

Re: Half of China Major Stocks Cease Trading. Impact Globally?

Doesn't it kind of defeat the purpose of having a stock market, if you can't sell when you like?
by dumbmoney
Wed Jul 08, 2015 5:26 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 5304

Re: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)

You might enjoy this article: "Where Bloomberg Discovers That Large Orders Have Market Impact" http://kiddynamitesworld.com/where-bloomberg-discovers-that-large-orders-have-market-impact/ The short version is that the price changes (to the disadvantage of index investors) are not caused by...
by dumbmoney
Mon Jun 15, 2015 2:12 am
Forum: Investing - Theory, News & General
Topic: What if you could invest directly in the HML "factor?"
Replies: 18
Views: 3281

Re: What if you could invest directly in the HML "factor?"

Do these factor returns include the return on cash? Because a hypothetical costless HML hedge fund would deliver the return on cash plus the HML return. If you put $1 into the hedge fund, it would invest $1 in treasury bills, short $1 of stocks, and with the cash from the short invest $1 in stocks.
by dumbmoney
Mon Jun 01, 2015 10:48 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 526
Views: 57864

Re: Free Windows 10 Upgrade, Yes or No?

I've been using the pre-release Win10 and either I'm very unlucky or it's got a frightening number of bugs. So my advice is to wait at least a few months before upgrading.
by dumbmoney
Mon Jun 01, 2015 12:00 am
Forum: Personal Consumer Issues
Topic: SSD + HDD good option for upgrading desktop PC?
Replies: 47
Views: 5226

Re: SSD + HDD good option for upgrading desktop PC?

When I installed an SSD my boot time went from 30 seconds to 15 seconds, or something like that. Half the time anyway (not including initial BIOS throat clearing, though).
by dumbmoney
Thu May 14, 2015 3:58 pm
Forum: Investing - Theory, News & General
Topic: At what point would you want "capped" indices?
Replies: 17
Views: 1532

Re: At what point would you want "capped" indices?

You can always de-concentrate your stock portfolio by adding mid/small cap funds, so I'm not sure a cap is necessary.
by dumbmoney
Thu May 14, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Home Internet - Cat 5e or Cat 6
Replies: 49
Views: 4442

Re: Home Internet - Cat 5e or Cat 6

FYI, a forthcoming standard will allow 2.5 or 5 gigabits over Cat5 (they have belatedly realized that jumping from 1G to 10G was a mistake). You won't regret wiring the house. Even if you end up using mainly WiFi, you can put WiFi access points anywhere you like, without using kludges like repeaters...
by dumbmoney
Wed May 13, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: The BIG problem with the S&P 500 index?
Replies: 37
Views: 6749

Re: The BIG problem with the S&P 500 index?

If you compare large cap or total market indexes, they are all quite similar. As they must be, since they all include the same ultra large stocks that make up a large percentage of the (cap weighted) indexes.
by dumbmoney
Wed Apr 29, 2015 9:47 pm
Forum: Investing - Theory, News & General
Topic: US stocks returned "just 0.6%" 1915-1982
Replies: 56
Views: 6373

Re: US stocks returned "just 0.6%" 1915-1984

Excluding dividends and capital gains, the stock market hardly returns anything.

But seriously, does he think that the long term shift from dividends to buybacks is a bad omen or something? Is Warren Buffet's company a Ponzi scheme because it doesn't pay dividends?
by dumbmoney
Sun Apr 05, 2015 6:36 pm
Forum: Personal Consumer Issues
Topic: smartphones
Replies: 24
Views: 2796

Re: smartphones

Smartphones are cheap enough (my last one cost $50, not including the add-on memory card) that they're pretty easy to justify for a traditional dumbphone user. There are plenty of uses that don't involve communications: offline maps/GPS, music, books, games, etc. Since I don't have a GPS unit in my ...
by dumbmoney
Fri Mar 06, 2015 4:14 pm
Forum: Personal Consumer Issues
Topic: Archival CD - MDisc
Replies: 25
Views: 2004

Re: Archival CD - MDisc

I suspect many people underestimate the life of ordinary media. I've recently gone back through old media in my personal possession and had generally good results. The vast majority of decade-old optical discs are fully readable now, and for the ones that aren't, I'm not sure if they were good when...
by dumbmoney
Sat Jan 24, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: Factors and zero-sum investing
Replies: 58
Views: 3761

Re: Factors and zero-sum investing

For some reason, people who practice factor investing are reluctant to say they can beat their fellow, less factor enlightened, investors. Beating the market is gauche. It's much cooler to say that one is diversifying among asset classes.
by dumbmoney
Thu Jan 22, 2015 3:39 pm
Forum: Personal Consumer Issues
Topic: Malware problem on new PC
Replies: 42
Views: 3044

Re: Malware problem on new PC

A few years ago you would have had to do something boneheaded to get malware, but now it's such a jungle...even legit programs come bundled with "optional" malware (optional in the sense that if you read everything carefully and click/unclick the right boxes, you can avoid installing it. B...
by dumbmoney
Thu Jan 22, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Does securities lending matter more than expense ratios?
Replies: 29
Views: 2386

Re: Does securities lending matter more than expense ratios?

I wouldn't exactly call it free money. A lot of the hard to borrow, high rebate stocks are eventually headed to zero. Yeah. It might actually be better to sell such stocks than to lend them at exorbitant rates. Even an index fund can do this, provided that sampling is acceptable. As for not-hard-to...
by dumbmoney
Thu Jan 22, 2015 12:40 pm
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3872

Re: How to get things wrong - Swiss Franc (CHF)

How can a central bank, with the capacity to create an unlimited amount of money, become insolvent in any meaningful sense? It's insolvent if it can't main price stability (i.e. a constant rate of inflation). That does not make sense, at least under standard definitions and practices. Central banks...
by dumbmoney
Thu Jan 22, 2015 9:05 am
Forum: Investing - Theory, News & General
Topic: How to get things wrong - Swiss Franc (CHF)
Replies: 32
Views: 3872

Re: How to get things wrong - Swiss Franc (CHF)

richard wrote:How can a central bank, with the capacity to create an unlimited amount of money, become insolvent in any meaningful sense?


It's insolvent if it can't main price stability (i.e. a constant rate of inflation).
by dumbmoney
Thu Jan 22, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: Non Dividend Paying Stocks in Index Mutual Funds?
Replies: 6
Views: 949

Re: Non Dividend Paying Stocks in Index Mutual Funds?

darrellr wrote:But lack of a dividend can be a yellow flag. Some say dividends prove the company has real cash. I don't believe Enron had dividends.


It did.
by dumbmoney
Mon Jan 05, 2015 7:28 pm
Forum: Investing - Theory, News & General
Topic: Time to sell international bonds?
Replies: 23
Views: 1807

Time to sell international bonds?

European bond yields are crazy low. Japanese bond yields are (still) crazy low. Diversification is good all things being equal, but this asset class seems like a sure loser. Anyone disagree?
by dumbmoney
Mon Dec 22, 2014 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 3269

Re: How to make a long bet on Crude Oil

You can't make a direct bet on oil, for the simple reason that storing oil is expensive (unlike, say, gold). Well (pun intended), you can store oil. Just leave it in the ground where nature has been storing it for millions of years. If you want to know really accurately how much you've got, drill s...
by dumbmoney
Mon Dec 22, 2014 2:37 am
Forum: Investing - Theory, News & General
Topic: Do Companies Index Their Profits?
Replies: 15
Views: 1418

Re: Do Companies Index Their Profits?

I've wondered why companies that retain earnings purely for tax reasons don't invest in stock indexes.
by dumbmoney
Mon Dec 22, 2014 2:27 am
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 3269

Re: How to make a long bet on Crude Oil

You can't make a direct bet on oil, for the simple reason that storing oil is expensive (unlike, say, gold). If you buy oil futures or oil stocks, your investment will do better if oil goes up than if it doesn't, but that's not the same thing as an investment that profits if oil goes up by any amount.
by dumbmoney
Tue Dec 09, 2014 7:04 am
Forum: Investing - Theory, News & General
Topic: Update: 6 years into Buffett's Bet With Hedge Funds
Replies: 24
Views: 3306

Re: Update: 6 years into Buffett's Bet With Hedge Funds

Did anyone go to the Morningstar article linked to in the OP's link? (That is confusing, here is the link) http://www.morningstar.in/posts/27750/will-warren-buffett-win-this-bet.aspx This part was shocking to me. I knew it was bad, but I didn't think it was this bad: When hedge-fund managers do gen...
by dumbmoney
Tue Dec 02, 2014 10:12 am
Forum: Investing - Theory, News & General
Topic: Understanding why we market weight
Replies: 18
Views: 1811

Re: Understanding why we market weight

a zero turnover fund might be even better, and it would necessarily not be market weighted (or anything-weighted). Just buy the very best single company stock. No turnover you don't control. Problem solved. Of course, some investors live in a more realistic world. There used to be a zero turnover E...
by dumbmoney
Mon Dec 01, 2014 4:55 am
Forum: Investing - Theory, News & General
Topic: Understanding why we market weight
Replies: 18
Views: 1811

Re: Understanding why we market weight

Wish peter71 were still active in the forum; he was something of a fan of equal weighting (or at least didn't dislike it). I like market weighted stock funds because of the low turnover. But a zero turnover fund might be even better, and it would necessarily not be market weighted (or anything-weigh...
by dumbmoney
Sat Nov 29, 2014 12:50 am
Forum: Investing - Help with Personal Investments
Topic: My MMF just distributed a LTCG
Replies: 10
Views: 1529

Re: My MMF just distributed a LTCG

Uncle Pennybags wrote:How can a MM fund have a LTCG? I thought they held very short term securities, nothing close to a year.


Ordinary bonds are limited to 397 days, but certain types of variable rate bonds have no maturity limit.
by dumbmoney
Thu Nov 27, 2014 10:17 pm
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 321
Views: 49217

Re: An alternative to alternative investments [QSPIX]

This reminds me of ishares Diversified Alternatives Trust (ALT):

viewtopic.php?t=46143

which during its 3.5 year existence didn't do much of anything (good or bad).
by dumbmoney
Mon Oct 27, 2014 6:32 pm
Forum: Personal Consumer Issues
Topic: DVD-R, RW and VHS Player
Replies: 13
Views: 1567

Re: DVD-R, RW and VHS Player

I just threw away a couple of VHS units because I haven't used them for 15 years.

Still have an analog Tivo that I don't use, and will probably throw away also.

What exactly do you want to record?
by dumbmoney
Wed Oct 15, 2014 5:51 am
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 4884

Re: What happened to the audiophile?

Bad sounding MP3s existed for a blip of time, and disappeared 10 years ago. The baseline standard these days is perfection. So I can't relate to complaints about the purely technical aspects of music. Everything is so good, it's boring. There's no excitement in a mature, stagnant technology.

Go to advanced search