Search found 616 matches

by dual
Sun Oct 13, 2019 3:05 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 36
Views: 4514

Re: Wild Planet Sardines quality problem [Review of sardine brands]

Some updates: I've taken a liking to Walmart's store brand sardines. Small sardines reminiscent of tiny tots. Firm and tasty. A great deal at only 88¢ a can. Main negative is they are packed in soybean oil instead of olive oil. But the taste is OK. I also like the trader joe's store brand sardines i...
by dual
Sat Oct 05, 2019 5:31 pm
Forum: Investing - Theory, News & General
Topic: Bond Investing when Yield Curve is Flat
Replies: 89
Views: 7028

Re: Bond Investing when Yield Curve is Flat

Treasury and TIPS fund ERs are so low that you probably have higher cost managing a ladder with retail instead of wholesale transaction costs. Why not buy the Treasuries at auction? Most brokers do not charge commission-Vanguard, Fidelity, Schwab, TDAmeritrade, Etrade do not charge but notably Merr...
by dual
Tue Oct 01, 2019 4:59 pm
Forum: Investing - Theory, News & General
Topic: If all brokerages charged zero commission for trades, which brokerage would you pick?
Replies: 75
Views: 6231

Re: If all brokerages charged zero commission for trades, which brokerage would you pick?

I don't trade stocks but I do buy a lot of Treasury securities at auction. A company like Merrill Edge that charges ~$30 to place an order at an auction is a big negative for me.
by dual
Thu Sep 26, 2019 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Financing house after divorce
Replies: 28
Views: 2459

Re: Financing house after divorce

Is buying the house more important or paying for your kids' college education? You cannot afford both. KlangFool False choice. There are plenty of good paying, fulfilling jobs that do not require a college education. See e.g. https://www.amazon.com/Best-Jobs-Without-Four-Year-Degree/dp/1593579284/r...
by dual
Tue Sep 24, 2019 4:38 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 57
Views: 3433

Re: How did your Windows 10 upgrade go?

[quote=dual post_id=4764099 time=1569346024 user_id=408 Wrong. See this very capable Windows 10 Pro computer for $80 including shipping. preview link https://preview.tinyurl.com/y6onqv2l There are many more on Ebay for much less than $129 Ha, good one! "Very capable", lol. It's got an i5-3470, whic...
by dual
Tue Sep 24, 2019 4:35 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 57
Views: 3433

Re: How did your Windows 10 upgrade go?

Buy a used computer from an unknown seller on Ebay that includes a copy of Windows that may, or may not be legitimate, and may or may not have all sorts of nefarious stuff on the hard drive? Or buy a computer from a supposedly legit manufacturer like Lenovo who has been caught three times loading s...
by dual
Tue Sep 24, 2019 12:27 pm
Forum: Personal Consumer Issues
Topic: How did your Windows 10 upgrade go?
Replies: 57
Views: 3433

Re: How did your Windows 10 upgrade go?

Looks like I have to buy the Home edition for $129 Can't one get an entire Windows 10 computer for less than that nowadays? No. Wrong. See this very capable Windows 10 Pro computer for $80 including shipping. preview link https://preview.tinyurl.com/y6onqv2l There are many more on Ebay for much les...
by dual
Wed Sep 18, 2019 1:40 am
Forum: Personal Consumer Issues
Topic: Cleaning up a Windows 10 PC [Removing unwanted features]
Replies: 13
Views: 1125

Re: Cleaning up a Windows 10 PC [Removing unwanted features]

Thanks for the links adamthesmythe and meebers To all regarding updates: note that I wrote how to control when updates are applied to Win10 I did NOT suggest not applying updates. I always apply critical updates to my Win7 system and will continue doing so with Win10. I just want to control when the...
by dual
Tue Sep 17, 2019 5:11 pm
Forum: Personal Consumer Issues
Topic: Cleaning up a Windows 10 PC [Removing unwanted features]
Replies: 13
Views: 1125

Cleaning up a Windows 10 PC [Removing unwanted features]

Many people would like to get rid of the following features on Windows: forced updates, telemetry, Windows Store, and Cortana. I think it would be very helpful to have a thread with links to procedures to correct these that BHers have found to work. As a starter, I found the following description ab...
by dual
Tue Sep 17, 2019 4:59 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6089

Re: Do you trust Microsoft updating your Windows 7 machine?

For starters, all financial transactions I do are done on a sole designated Win7 laptop whose only function is to run Firefox and nothing else. Provided I can update Firefox regularly, my usual procedure will be unchanged. My main PC is Win 7 but I also use a dedicated PC for accessing finance/bank...
by dual
Mon Sep 16, 2019 12:58 pm
Forum: Personal Consumer Issues
Topic: Do you trust Microsoft updating your Windows 7 machine?
Replies: 122
Views: 6089

Re: Do you trust Microsoft updating your Windows 7 machine?

Not sure what I'm going to do in 2020. Perhaps continue to run Win7 as normal and back up my data more frequently, so I can just reformat and re-install if something goes awry. Perhaps dual-boot into Linux for web-browsing and Win7 for gaming. I installed VirtualBox running Bodhi Linux on my Win7 d...
by dual
Mon Sep 09, 2019 1:40 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3558

Re: Going desktop-less?

Again, you can do all of this without an actual desktop computer. Though my Surface dock "only" supports two 4k monitors (the one 49"er is enough for me), the dock for my work laptop supports 3. It actually does have 3 monitors connected, but they are 24" 1920x1200, not 4k. Next upgrade I might go ...
by dual
Mon Sep 09, 2019 12:45 pm
Forum: Personal Consumer Issues
Topic: Going desktop-less?
Replies: 54
Views: 3558

Re: Going desktop-less?

In today's age, desktops seem so bulky/antiquated, but having one seems to give me a sense of security! I could not function without my desktop computer, monitors and keyboard. The ergonomics of a laptop are terrible. You have to balance it on your lap or place it in a non-ergonomic table, hunch ov...
by dual
Fri Sep 06, 2019 12:50 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7186

Re: BofA ShopSafe going away

As I mentioned above, I use Shopsafe (SS) for two cases: 1. High risk transactions. With SS closed I will just tough it out. If my credit card number gets on the dark web, I will trust the credit card issuer to detect the fraud and to close my card. 2. To stop retroactive charges. In this case, I wi...
by dual
Thu Sep 05, 2019 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7186

Re: BofA ShopSafe going away

whodidntante wrote:
Thu Sep 05, 2019 7:56 pm
Now for fraud protection, and for services ... I use virtual gift cards and other gift cards.
Please explain what kind of gift cards. The general purpose VISA and MasterCard gift cards I have seen at drugstores etc have a hefty 5% fee.
by dual
Thu Sep 05, 2019 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7186

Re: BofA ShopSafe going away

Makefile wrote:
Thu Sep 05, 2019 3:05 pm

Interestingly, the new Apple Card offers something equivalent to virtual card numbers for online shopping.
A link to this? I looked on their (worthless) website but could not find anything.
by dual
Thu Sep 05, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: BofA ShopSafe going away
Replies: 109
Views: 7186

Re: BofA ShopSafe going away

I also use ShopSafe frequently although only for high risk situations such as political donations and protection against retroactive charges by landlords for vacation rentals. An internet search for alternatives turned up https://privacy.com/ Their description: Privacy is a service that you can use ...
by dual
Wed Aug 28, 2019 1:51 pm
Forum: Personal Consumer Issues
Topic: New pc, annoying 'buzzing' sound
Replies: 31
Views: 1610

Re: New pc, annoying 'buzzing' sound

I hate PC noise so I cut a hole in my home office wall, put the PC in the next room and fed the monitor cables and a USB connection to a hub that I keep on my desk. I connect my keyboard and mouse to the hub. My monitors are completely silent. This should work depending on the volume and pitch of th...
by dual
Mon Aug 26, 2019 4:46 pm
Forum: Personal Investments
Topic: VTIAX International fund - should I give up on it?
Replies: 297
Views: 25781

Re: VTIAX International fund - should I give up on it?

Here we go again with another interminable thread on international investing where no one leaves with a changed mind. :P

As for me, to paraphrase Samuel Johnson, international investing is like a second marriage: the triumph of hope over experience.
by dual
Wed Aug 21, 2019 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)
Replies: 19
Views: 1809

Re: American Express Personal Savings rate dropping from 2.10% to 1.90% tomorrow (08.22.19)

Vanguard prime money market VMMXX still yielding 2.15%.
7 day SEC yield 2.15% C
as of 08/20/2019

Compound yield 2.17%
Go 25 basis points--rah. :!:
by dual
Tue Aug 20, 2019 7:18 pm
Forum: Personal Consumer Issues
Topic: DSL Advice
Replies: 29
Views: 1656

Re: DSL Advice

what you should worry about is thinking you are connecting to something that appears to be a portal or a vpn signon that is really some sort of fake site that will appear to be something its not and will steal your userid/pw. That raises the question of what domain name server is used and when duri...
by dual
Sun Aug 11, 2019 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: Are you a "solo ager?"
Replies: 133
Views: 17892

Re: Are you a "solo ager?"

Dude2 wrote:
Fri Aug 09, 2019 8:42 am
Alexa will always be there for me.
https://www.youtube.com/watch?v=nwPtcqcqz00
by dual
Sat Jul 20, 2019 1:57 pm
Forum: Personal Consumer Issues
Topic: Which Kindle do I need?
Replies: 32
Views: 1209

Re: Which Kindle do I need?

Does the oasis have the annoying "waking..." delay on power up like the new paperwhite does?
by dual
Wed Jul 17, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: Sustainability of State and Local Government Pensions
Replies: 9
Views: 1411

Re: Sustainability of State and Local Government Pensions

The NYTimes presents a real world application of these numbers: Puerto Rico’s Bankruptcy Plan Is Almost Done, and It Could Start a Fight https://www.nytimes.com/2019/07/14/business/puerto-rico-bankruptcy-promesa.html After three years of negotiations, Puerto Rico’s federal overseers are at last fini...
by dual
Tue Jul 16, 2019 1:27 pm
Forum: Forum Issues and Administration
Topic: Quote only the part that you are responding to
Replies: 11
Views: 1041

Quote only the part that you are responding to

Posts that quote a complete thread of posts in order to respond to a single point make this board hard to read. Particularly since the software does not have a quick scroll feature for portable devices like tablets and smartphones. Suggestion: excerpt the part that interests you and include that in ...
by dual
Fri Jul 12, 2019 2:12 am
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3845

Re: How to encrypt Cloud backups?

get_g0ing wrote:
Thu Jul 11, 2019 6:16 pm
Hi,

So if you need to recover a single file from the cloud copy, I am assuming you'd need to download the whole container right?
Yes, that is correct. I use online backup as a contingency in case the backups on external hard drives at my home are destroyed or stolen.
by dual
Thu Jul 11, 2019 1:02 pm
Forum: Personal Consumer Issues
Topic: How to encrypt Cloud backups?
Replies: 54
Views: 3845

Re: How to encrypt Cloud backups?

I use Veracrypt to create an encrypted archive file that is then accessed as if it were a letter drive partition on your disk. Copy the files that you want to archive to the drive including a directory tree to organize them. Then close Veracrypt and upload the archive to the cloud storage. Since you...
by dual
Sun Jul 07, 2019 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: used car buying
Replies: 20
Views: 1847

Re: used car buying

My suggestion is to analyze the use for the car first: short drives in town, long distance commuting. How many passengers? How many miles per year do you drive? Do you want a multi-use car like a minivan that can haul passengers or cargo? Do you drive in heavy metro traffic or suburbs or countryside...
by dual
Thu Jun 13, 2019 12:26 pm
Forum: Investing - Theory, News & General
Topic: How Bad was 2008, really?
Replies: 355
Views: 43588

Re: How Bad was 2008, really?

I do not think we have recovered. The Fed's quantitative easing ballooned the money supply with a lot of it ending up in financial assets thus driving their prices up. That is what makes things seem OK to investors like BHs. The Fed still owns $trillions of Treasuries but also other securities with ...
by dual
Sat Jun 08, 2019 3:47 pm
Forum: Investing - Theory, News & General
Topic: indexers buying negative interest bonds
Replies: 26
Views: 2672

Re: indexers buying negative interest bonds

X528 wrote:
Sat Jun 08, 2019 1:17 pm
What's the point of negative interest bonds? Who invests in this stuff?
See the quote in the OP. You might own some if you hold a bond index fund or a target date fund that invests in the Bloomberg Barclays Global Aggregate Bond Index.
by dual
Sat Jun 08, 2019 2:57 pm
Forum: Investing - Theory, News & General
Topic: indexers buying negative interest bonds
Replies: 26
Views: 2672

Re: indexers buying negative interest bonds

What's the point of negative interest bonds? Who invests in this stuff? Institutions who wants to keep their money safe. If you have 10 million Euros you are not willing to risk, what are your alternatives? ... Buy foreign denominated debt: The cost to hedge the currency fluctuations exceeds the in...
by dual
Sat Jun 08, 2019 12:28 pm
Forum: Investing - Theory, News & General
Topic: indexers buying negative interest bonds
Replies: 26
Views: 2672

indexers buying negative interest bonds

James Grant considers negative-yielding debt again in his column in Barrons: https://www.barrons.com/articles/jim-grant-negative-interest-rates-51558719657 In the column he asks the interesting question of who is buying the over $10.6 trillion that is currently on the market? He points out that much...
by dual
Thu Jun 06, 2019 7:16 pm
Forum: Personal Investments
Topic: How is Merrill Edge?
Replies: 51
Views: 4358

Re: How is Merrill Edge?

One problem with ME is that they charge a commission to buy treasuries at auction. Both Vanguard and Fidelity do not. I keep a taxable account with them with buy and hold ETFs to qualify for increased rebates from my BofA credit card as well as no fees on a checking account. I transfer dividend cash...
by dual
Wed May 29, 2019 5:58 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 7559

Re: Financial Movies and Shows

LadyGeek wrote:
Wed May 29, 2019 3:40 pm
Page received, but the wiki editors are the ones who make the decision.
The website software for some sites I frequent implements a wiki post at the start of each thread. I think it would be a good idea to have that implemented on Bogleheads.
by dual
Tue May 28, 2019 1:54 pm
Forum: Personal Consumer Issues
Topic: What has changed in new home construction over the years?
Replies: 49
Views: 6363

Re: What has changed in new home construction over the years?

Construction industry group has shown no increase in productivity since the 1950's: The remarkable productivity stagnation of the US construction ... https://ftalphaville.ft.com/2014/04/15/1821522/the-remarkable-productivity-stagnation-of-the-us-construction-sector/ Construction Productivity in Decl...
by dual
Fri May 24, 2019 6:18 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3059

Re: Should I go to a Fidelity Office to Set up Account?

PatrickA5 wrote:
Fri May 24, 2019 5:17 pm
We checked everything while he was typing it in and after he was done he had us double check everything before submitting. No problems.
Congratulations on being served by a good rep :D
by dual
Fri May 24, 2019 4:51 pm
Forum: Personal Investments
Topic: Should I go to a Fidelity Office to Set up Account?
Replies: 39
Views: 3059

Re: Should I go to a Fidelity Office to Set up Account?

When my daughter was still in high school, I had her go to the local Fidelity office to open a Roth IRA. She was successful, but the Fidelity rep messes of the spelling of a very common name. After checking online, she had to go back and get the spelling corrected. I had a similar experience. Went ...
by dual
Thu May 23, 2019 12:20 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

With a closed source app like Onenote, trust is definitely required. How do you know M$ft does not keep a copy of your encryption code? Based on your comments, I doubt anyone will convince you... I would say the same about you. In my previous answer to you I listed many differences between Standard...
by dual
Wed May 22, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

Trust isn't required. OneNote supports encryption of notes both locally and in the cloud. With a closed source app like Onenote, trust is definitely required. How do you know M$ft does not keep a copy of your encryption code? I don't think open source automatically implies regular security audits, ...
by dual
Tue May 21, 2019 5:13 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

It has the exact opposite incentive with its business apps, where trust and data privacy are EVERYTHING. Plus, the people who ran the company back then aren't around anymore. Making a few billion dollars in the short term by doing that just doesn't make business sense. They charge for Office direct...
by dual
Tue May 21, 2019 11:24 am
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

Microsoft also doesn’t need to advertise, as their revenue is from software and service sales. Bing and Windows ads would like to have a word. 🙂 Which has nothing to do with its Office suite, of course, which is what OneNote is a part of. With all due respect, the two apps have a lot to do with eac...
by dual
Mon May 20, 2019 2:14 am
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

Read it yourself. https://evernote.com/privacy I am concerned about the company accessing my information. Evernote states at the link above: Our systems automatically analyze your data in order to power Evernote features, such as search and related notes, and to tell you about important features an...
by dual
Sun May 19, 2019 6:34 pm
Forum: Personal Consumer Issues
Topic: Replace possible failing tv or not (solved)
Replies: 33
Views: 2588

Re: Replace possible failing tv or not

My 2007 32" Olevia is still going strong and I cannot make myself replace it unless I find it a new home. But no one wants it. :(
by dual
Sun May 19, 2019 4:00 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

harrychan wrote:
Sun May 19, 2019 2:30 pm
I use Evernote and seems to fit the bill.
What measures does Evernote take to safeguard your data?

Can the people in the company access/read it?
by dual
Sun May 19, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

Short of running (and securing) your own server(s) or setting up some sort of local sync process - so you don't need ANYONE in the middle, there's some level of trust required... Standard notes does the following to ensure security https://standardnotes.org/privacy End to End Privacy: All your data...
by dual
Sat May 18, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

OneNote with password protected (encrypted) sections for those things that you think require extra privacy. https://support.office.com/en-us/article/Password-protect-your-notes-E5FFD8FD-E811-441A-AA02-E13F0F445933 I looked at Onenote. I use it on my desktop PC as a lab notebook but with no personal...
by dual
Sat May 18, 2019 5:05 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

Re: de-googling my life: Keep Notes alternatives

Does Standard allow for offline storage of notes? I think so. Here are the features of the free version Always Free AES-256 encryption. No one but you can read your notes. Easy to use, open-source apps on Mac, Windows, iOS, Android, and Linux Automatic sync with no limit on data capacity Unlimited ...
by dual
Sat May 18, 2019 4:17 pm
Forum: Personal Consumer Issues
Topic: de-googling my life: Keep Notes alternatives
Replies: 46
Views: 6790

de-googling my life: Keep Notes alternatives

I am a big fan of notes programs. I use them to keep track of financial and other information instead of little scraps of paper or notebooks that get lost and are not searchable. At home I use a notes program (Infoselect) that is deliberately not internet connected. For on the go, I started using Go...
by dual
Sat May 04, 2019 6:07 pm
Forum: Investing - Theory, News & General
Topic: Can muni funds fail like MBSes?
Replies: 6
Views: 707

Re: Can muni funds fail like MBSes?

Local and state governments across the country have huge amounts of unfunded liabilities to pay current and retired employees retirement pensions and medical insurance. Unlike the federal government, they cannot print/create fiat money to pay off their debts. In many localities paying for the unfund...