Search found 598 matches

by Jeff Albertson
Fri Jan 18, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: 11 days in Europe...Budget and logistical advice please
Replies: 90
Views: 4708

Re: 11 days in Europe...Budget and logistical advice please

... eat all the food, drink all the wine, meet/connect with as many locals as possible.... You might enjoy this Parisian food blog , written by an American. He highlights foodie day trips from time to time. Re-calibrate your meal times - http://si.wsj.net/public/resources/images/B3-CX593_Dshot_NS_2...
by Jeff Albertson
Fri Jan 18, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Is the security check website "Have I Been Pwned?" legit?
Replies: 28
Views: 3999

Re: Is the security check website "Have I Been Pwned?" legit?

Lastpass security check will also check all your known email addresses: The following email addresses are associated with sites in your LastPass vault. The next stage of the test is an optional lookup of the email addresses against known security breaches. ... If any security breaches are found, det...
by Jeff Albertson
Thu Jan 17, 2019 10:52 am
Forum: Personal Consumer Issues
Topic: What to do this weekend in Tokyo?
Replies: 17
Views: 1210

Re: What to do this weekend in Tokyo?

If you're going to be in Tokyo for more than a weekend, then an IC card is very handy. https://www.japan-guide.com/e/e2359_003.html What is an IC card? IC cards are rechargeable cards that can be used to conveniently pay fares on public transportation and to make payments at a rapidly increasing num...
by Jeff Albertson
Wed Jan 16, 2019 5:12 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 39
Views: 2810

Re: Netflix Recommendations

jriding wrote:
Wed Jan 16, 2019 12:35 pm
Stranger Things
The Office
Planet Earth
Blue Planet
"The Office" You'll probably like Greg Daniels & Steve Carrell's upcoming series on Netfilix, "Space Force"
https://www.youtube.com/watch?v=5QgJR4pAPlE
by Jeff Albertson
Thu Jan 10, 2019 8:03 pm
Forum: Personal Consumer Issues
Topic: Newspapers / News Subscriptions
Replies: 19
Views: 643

Re: Newspapers / News Subscriptions

The NY Times has discounted introductory subscriptions now, $2/week for one year.
The Washington Post has a deal for Amazon Prime members, $3.99/month.
Both great papers!
by Jeff Albertson
Thu Jan 10, 2019 6:48 pm
Forum: Personal Consumer Issues
Topic: Should I get umbrella liability insurance?
Replies: 56
Views: 4638

Re: Should I get umbrella liability insurance?

Here's what Nolo says: https://www.nolo.com/legal-encyclopedia/can-judgment-creditors-go-after-my-retirement-accounts.html If a creditor gets a judgment against you and you have a retirement account, then the judgment creditor may be able to seize all or part of the account. This will depend on whet...
by Jeff Albertson
Thu Jan 10, 2019 10:38 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110203

Re: [What TV Show Have You Recently Watched?]

The 20 Best TV Dramas Since ‘The Sopranos’ https://www.nytimes.com/interactive/2019/arts/television/best-drama-series.html Before “The Sopranos,” yes, TV dramas could take risks (“Twin Peaks”) and tell stories about difficult people (“NYPD Blue”). But after the ducks landed in Tony’s backyard pool i...
by Jeff Albertson
Wed Jan 09, 2019 10:32 am
Forum: Investing - Theory, News & General
Topic: A Test of Warren Buffett's 90:10 Retirement Portfolio
Replies: 33
Views: 4067

Re: A Test of Warren Buffett's 90:10 Retirement Portfolio

Bananas-Sleeper-Love & Death down to Annie Hall and Manhattan. Of course, now, we wonder at some of the elements which seem quite creepy seen in light of director's personal life. An earlier movie, a favorite, "Take the Money and Run". Even at 1:15 minutes into the movie there is something similar....
by Jeff Albertson
Thu Jan 03, 2019 4:37 pm
Forum: Investing - Theory, News & General
Topic: The Future of Investing & And where the market is going
Replies: 32
Views: 3138

Re: The Future of Investing & And where the market is going

Also, highly recommend the book "Factfulness" by Hans Rosling ... Here's a 4 minute video of a Rosling presentation - https://www.youtube.com/watch?v=jbkSRLYSojo Hans Rosling's famous lectures combine enormous quantities of public data with a sport's commentator's style to reveal the story of the w...
by Jeff Albertson
Tue Jan 01, 2019 10:39 am
Forum: Investing - Help with Personal Investments
Topic: What is the expected real return of S&P 500 for the next 30 years?
Replies: 51
Views: 4322

Re: What is the expected real return of S&P 500 for the next 30 years?

Not 30 years, but two shorter term estimates from Vanguard & one from Bogle: Interestingly, Vanguard CEO Tim Buckley told CNBC recently that he expects a balanced portfolio will return about 5 percent annually in the coming years. Vanguard CIO Davis predicted globally diversified stocks will earn be...
by Jeff Albertson
Mon Dec 31, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Will the real contrarians please stand up?
Replies: 58
Views: 3963

Re: Will the real contrarians please stand up?

Here's a recent article William Bernstein wrote related to this, on hedge fund manger Bill Broder. https://blogs.cfainstitute.org/investor/2018/12/18/investing-lessons-from-bill-browder/ Browder, it turns out, inadvertently followed in the footsteps of Benjamin Graham, John Templeton, and David Swen...
by Jeff Albertson
Fri Dec 28, 2018 4:49 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey [“good growth mutual fund”]
Replies: 54
Views: 5207

Re: Dave Ramsey [“good growth mutual fund”]

It's remarkable how much credibility the public puts in these tv and radio actors. Whether the subject is cooking, personal finance, travel or business management, the primary reason these actors are on tv is not necessarily that they are knowledgeable in that subject, but because they know how to e...
by Jeff Albertson
Wed Dec 26, 2018 3:08 pm
Forum: Investing - Theory, News & General
Topic: Enjoy a lump of KOL
Replies: 14
Views: 1971

Re: Enjoy a lump of KOL

The NY Times charted the changes in how each US state generates electricity, from 2001 to 2017. https://www.nytimes.com/interactive/2018/12/24/climate/how-electricity-generation-changed-in-your-state.html US all states: coal 51% in 2001 & 30% in 2017, natural gas produces 32% in 2017 Nevada: coal 52...
by Jeff Albertson
Tue Dec 25, 2018 2:10 pm
Forum: Investing - Theory, News & General
Topic: Are we officially in bear market ?
Replies: 79
Views: 9733

Re: Are we officially in bear market ?

Really? The headlines are interesting. The facts are more interesting. Right now there are less than 5% of federal workers not working. Many of them are seasonal, part time, and/or vacant positions. That’s like an average week where people took vacation. The Washington Post's White House Bureau Chi...
by Jeff Albertson
Thu Dec 20, 2018 1:00 pm
Forum: Personal Consumer Issues
Topic: Do I need Norton Virus Protection?
Replies: 30
Views: 2832

Re: Do I need Norton Virus Protection?

Recent PC Magazine reviews: The Best Mac Antivirus Protection of 2018 The Best Antivirus Protection for 2019 (Windows) We call it antivirus, but in truth it's unlikely you'll get hit with an actual computer virus. Malware these days is about making money, and there's no easy way to cash in on spread...
by Jeff Albertson
Wed Dec 19, 2018 9:29 am
Forum: Investing - Theory, News & General
Topic: Bull market is over, run for cover says Alan Greenspan
Replies: 41
Views: 6108

Re: Bull market is over, run for cover says Alan Greenspan

from the Economist, on Paul Samuelson's death: As for Mr Samuelson's friend of 50 years, Alan Greenspan, once chairman of the Federal Reserve, “the trouble is that he had been an Ayn Rander”—a devotee of laissez-faire capitalism. “You can take the boy out of the cult but you can't take the cult out ...
by Jeff Albertson
Thu Dec 13, 2018 6:14 pm
Forum: Personal Consumer Issues
Topic: portable jump starters
Replies: 58
Views: 4158

Re: portable jump starters

The Wirecutter's top pick went on sale at Amazon, "Weego 22s Jump Starter 1700 Peak 300 Cranking Amps", was $65, now $50. https://thewirecutter.com/deals/#deal-75868 https://www.amazon.com/Weego-Cranking-Resistant-Designed-Engineered/dp/B01MSAXF03?tag=thewire06-20&linkCode=xm2&ascsubtag=edtest https...
by Jeff Albertson
Wed Dec 12, 2018 1:50 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7343

Re: Article: Your love of index funds is terrible for our economy

Bloomberg columnist Barry Ritholtz takes that article apart "Index-Investing Critic Takes Aim, Fires, Misses".
https://www.bloomberg.com/opinion/artic ... res-misses
note Bloomberg limits the number of free articles you can access (ten)
by Jeff Albertson
Wed Dec 12, 2018 7:54 am
Forum: Investing - Theory, News & General
Topic: What Happened to you during the Financial crisis of 2007–2008
Replies: 249
Views: 20311

Re: What Happened to you during the Financial crisis of 2007–2008

@Valuethinker: My copy of Adam Tooze's book just arrived and I look forward to reading about what actually happened in this formative period. I've heard great things about it. BBC recently interviewed Tooze (17 minutes) https://www.bbc.co.uk/programmes/w3cswgfd Ed Butler talks to historian Adam Too...
by Jeff Albertson
Mon Dec 10, 2018 6:53 pm
Forum: Investing - Theory, News & General
Topic: Article: Your love of index funds is terrible for our economy
Replies: 62
Views: 7343

Re: Article: Your love of index funds is terrible for our economy

The opinion cites three reasons: 1) Index funds contribute to market melt-ups and meltdowns, 2) Index funds reduce the quality of stock analysis, and 3) Index funds contribute to poor corporate governance. " 2) Index funds reduce the quality of stock analysis" Why would an active manager complain t...
by Jeff Albertson
Mon Dec 10, 2018 11:16 am
Forum: Investing - Theory, News & General
Topic: "STAY THE COURSE" by John C. Bogle -- A Gem
Replies: 15
Views: 4347

Re: "STAY THE COURSE" by John C. Bogle -- A Gem

Here's an interview with Bogle, promoting the new book. John Bogle: RIAs Are the Future; Trading Is Investors’ Enemy The Vanguard founder tells ThinkAdvisor about Vanguard's tech glitches, Fidelity's no-fee funds and what's in his portfolio. https://www.thinkadvisor.com/2018/11/27/john-bogle-rias-ar...
by Jeff Albertson
Sat Dec 08, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7154

Re: Anybody Miss the Crypto Rage on BH Forums

rates for Sotheby's & Christie's Christie's: For all collecting categories except wine, the new buyer's premium rate will be an amount equal to 25% of the hammer price of each lot up to and including £175,000/US$250,000; plus 20% of the hammer price from £175,001/US$250,001 up to and including £3,00...
by Jeff Albertson
Sat Dec 08, 2018 12:27 pm
Forum: Investing - Theory, News & General
Topic: Why Retirement Is Broken And Needs To Be Reinvented
Replies: 174
Views: 12431

Re: Why Retirement Is Broken And Needs To Be Reinvented

Here's Bernstein's 2001 article "Riding for a Fall - The 401(k) is likely to turn out to be a defined-chaos retirement plan", from Barron's. http://www.efficientfrontier.com/ef/102/401.htm "Although the current system seems robust, the exodus from traditional defined-benefit plans to the employee-ma...
by Jeff Albertson
Fri Dec 07, 2018 6:50 pm
Forum: Investing - Theory, News & General
Topic: Anybody Miss the Crypto Rage on BH Forums
Replies: 96
Views: 7154

Re: Anybody Miss the Crypto Rage on BH Forums

John McAfee one year ago today, Dec 7, 2017 Bitcoin now at $16,600.00. Those of you in the old school who believe this is a bubble simply have not understood the new mathematics of the Blockchain, or you did not cared enough to try. Bubbles are mathematically impossible in this new paradigm. So are ...
by Jeff Albertson
Fri Dec 07, 2018 12:52 pm
Forum: Personal Finance (Not Investing)
Topic: Climate Concerns re: small Jersey Shore Vacation Home
Replies: 54
Views: 3016

Re: Climate Concerns re: small Jersey Shore Vacation Home

PBS recently aired a very good series, "Sinking Cities". Four episodes, one for each of these cities, New York, Toyko, London & Miami . As the earth warms, sea levels rise and super-storms become more frequent and intense, many of the world’s major coastal cities may soon be under water. This series...
by Jeff Albertson
Wed Dec 05, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Young EU investor long term portfolio feedback
Replies: 33
Views: 2015

Re: Young EU investor long term portfolio feedback

Adam Tooze has written an excellent new history of the time - and the absolutely critical role of the US Fed in lending dollars to European banks to fund their Eurodollar deposits. Had the US Central Bank taken a more America-first type of view, we could have had a 1930s level of crisis in European...
by Jeff Albertson
Tue Dec 04, 2018 7:42 pm
Forum: Personal Consumer Issues
Topic: Looking for a nice travel watch... recommendations?
Replies: 41
Views: 2428

Re: Looking for a nice travel watch... recommendations?

Lessig was sitting to my immediate left, and he started to laugh as he looked at my wrist. What he saw is below, photographed just now after I took it off. (Not that easy, I discover, to take an acceptable picture of a watch while you're wearing it.) Yes, it's my beloved $25 Timex Indiglo watch, mo...
by Jeff Albertson
Fri Nov 30, 2018 9:41 pm
Forum: Investing - Theory, News & General
Topic: What do bogleheads think of small cap value?
Replies: 37
Views: 3301

Re: What do bogleheads think of small cap value?

What do bogleheads think of Paul Merriman’s recommendation of putting 10% of funds in small cap value? Maybe you'll get lucky & beat a simple market portfolio, but keep in mind "Not One Ivy League Endowment Beat a Simple U.S. 60-40 Portfolio Over Ten Years" . What advantage do you have over the man...
by Jeff Albertson
Fri Nov 30, 2018 8:08 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 91
Views: 4952

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Fi is a service for adults who dislike idiotic marketing games. Marylander1 Unlikely any phone service has done anything as idiotic as what Google did Wednesday. My email receipt from Google acknowledging the Pixel purchase was dated 10:01 EST, no mention of the travel promo. After numerous attempt...
by Jeff Albertson
Wed Nov 28, 2018 8:40 am
Forum: Investing - Theory, News & General
Topic: What do bogleheads think of small cap value?
Replies: 37
Views: 3301

Re: What do bogleheads think of small cap value?

A small stock example from Michael Batnick. The bear market of 1969 absolutely wrecked small stocks. In just 17 months, they lost 56% of their value, leaving investors once bitten, twice shy. https://theirrelevantinvestor.com/2018/11/26/the-nifty-fifty/ https://theirrelevantinvestor.com/wp-content/u...
by Jeff Albertson
Fri Nov 23, 2018 9:37 am
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15217

Re: Black Friday 2018

Hulu subscription - $0.99 per month for 1 year. New and eligible returning customers only. Ends 11/26. Hulu is offering a 12-month subscription to its Limited Commercials plan for $0.99 / month. Plan returns to $7.99/month after one year. Cancel anytime. https://bensbargains.com/bargain/one-year-hul...
by Jeff Albertson
Thu Nov 22, 2018 7:28 pm
Forum: Personal Consumer Issues
Topic: LastPass vs BitWarden
Replies: 44
Views: 4704

Re: LastPass vs BitWarden

I've been a Roboform user for many years, starting back when it was considered a top choice, and I've just kept using it. But, now I've also been considering switching to either LastPass or BitWarden (or others), mostly because I'm thinking of adding a YubiKey for 2FA and Roboform doesn't support i...
by Jeff Albertson
Mon Nov 19, 2018 11:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18419

Re: Vanguard lowering Admiral level to $3,000?

Reducing the fees might not be such a big deal. There might be more small investors, but the bulk of the money is from larger ones. Take the S&P 500 index funds. Just 7.4% in the investor shares.

Code: Select all

VFINX	$26,856,327	7.4%
VOO     $90,593,894	24.9%
VFIAX	$245,825,839	67.7%
Total	363,276,060	100.0%
by Jeff Albertson
Mon Nov 19, 2018 10:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18419

Re: Vanguard lowering Admiral level to $3,000?

FWIW, here's part of the SEC Edgar filing - https://www.sec.gov/Archives/edgar/data/36405/000093247118007441/ps_adm112018final.htm Supplement to the Prospectuses and Summary Prospectuses for Investor Shares and Admiral"Shares Effective November 19, 2018, (i) Admiral Shares have an investment minimum...
by Jeff Albertson
Sat Nov 17, 2018 7:05 pm
Forum: Investing - Help with Personal Investments
Topic: Comment from Bogleheads book about future market gains
Replies: 10
Views: 1333

Re: Comment from Bogleheads book about future market gains

The chart below ilustrates Valuethinker point: http://www.efficientfrontier.com/t4poi/1-15.gif The chart is from this site: http://www.efficientfrontier.com/t4poi/Ch1.htm Be especially wary of data demonstrating the superior long-term performance of U.S. stocks. For most of its history, the U.S. was...
by Jeff Albertson
Fri Nov 16, 2018 5:34 pm
Forum: Personal Consumer Issues
Topic: Foreign Currency
Replies: 24
Views: 1059

Re: Foreign Currency

It appears most of the above posters have never been to Japan or else things have changed in the last couple of years. Bank ATMs probably won't accept a US ATM card. The ATMs at the post offices and 7-Elevens probably will. You can find 7-Elevens at the Narita airport, probably at other airports als...
by Jeff Albertson
Thu Nov 15, 2018 9:38 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1028
Views: 110203

Re: [What TV Show Have You Recently Watched?]

PBS - Sinking Cities https://www.pbs.org/video/sinking-cities-preview-ryfkhh/ As the earth warms, sea levels rise and super-storms become more frequent and intense, many of the world’s major coastal cities may soon be under water. This series explores how four global cities are coming to grips with ...
by Jeff Albertson
Wed Nov 14, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: World GDP by country 1960-2018 Video
Replies: 7
Views: 681

Re: World GDP by country 1960-2018 Video

You can create similar, custom charts on the web site gapminder.org. The site was established by the amazing
Hans Rosling.
by Jeff Albertson
Sat Nov 10, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4051
Views: 1102284

Re: What Movie Have You Recently Watched?

Looking forward to the Coen Brothers new movie, "Ballad of Buster Scruggs", on Netflix starting Nov 16. trailers https://www.netflix.com/title/80200267 The Ballad of Buster Scruggs is an American western anthology film written, directed, and produced by the Coen brothers. It stars Tim Blake Nelson, ...
by Jeff Albertson
Sun Nov 04, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Name the Top 5 investment books you've read
Replies: 46
Views: 11186

Re: Name the Top 5 investment books you've read

The Only Investment Guide You'll Ever Need, Andrew Tobias A Random Walk Down Wall Street, Burton G. Malkiel Intelligent Asset Allocator, William Bernstein Bogle on Mutual Funds I'm surprised so many mentioned Taleb. Surely something by Thaler, Kahneman or maybe even Michael Lewis would be more usefu...
by Jeff Albertson
Sun Nov 04, 2018 8:52 pm
Forum: Investing - Theory, News & General
Topic: Name the Top 5 investment books you've read
Replies: 46
Views: 11186

Re: Name the Top 5 investment books you've read

I will add: Berkshire Hathaway Letters to Shareholders Sure you can download them free. But better. You can buy a paperback on Amazon with all the letters to date though the most recent one may be gone. Seriously great to read them, from the beginning, so much wisdom. Buffet's letters also get high...
by Jeff Albertson
Sun Nov 04, 2018 7:13 pm
Forum: Investing - Theory, News & General
Topic: Buy Unpopular Stocks?
Replies: 9
Views: 1145

Re: Buy Unpopular Stocks?

By unpopular, I presume you mean value stocks. Jonathan Clement has a new article on the Money Magazine web site, "The Stock Market Just Had Its Worst Month Since 2011. Here’s What You Should Do Now". http://time.com/money/5441834/stock-market-october/ Among other things he asks if it's time for val...
by Jeff Albertson
Fri Nov 02, 2018 5:25 pm
Forum: Personal Consumer Issues
Topic: Model 3 Mid-Range or Volt
Replies: 27
Views: 2326

Re: Model 3 Mid-Range or Volt

You may want to get the current, Dec 2018, Consumer Reports. They summarize the user-reported reliability of their cars. The article is "Cars you can count on". None of the cars mentioned above did very well. revised: Not all were at the bottom. The Bolt and Tesla M3 were in the middle ratings. The ...
by Jeff Albertson
Thu Nov 01, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard chairman Bill McNabb to step down, replaced by chief exec
Replies: 0
Views: 649

Vanguard chairman Bill McNabb to step down, replaced by chief exec

On January 1, 2019, Vanguard President and CEO Tim Buckley will assume the role as Chairman of Vanguard. Succeeding Bill McNabb, Mr. Buckley will serve as the fourth Chairman in the firm’s 43-year history. “Tim has been a strong, focused leader at Vanguard during times of tremendous company growth,...
by Jeff Albertson
Wed Oct 31, 2018 6:47 pm
Forum: Investing - Theory, News & General
Topic: Is Small Value Still A Winner?
Replies: 96
Views: 7115

Re: Is Small Value Still A Winner?

michaeljc70 wrote:
Wed Oct 31, 2018 6:38 pm
I feel about as confident chiming in on this as posting lottery numbers.
+1
by Jeff Albertson
Sat Oct 27, 2018 6:51 pm
Forum: Personal Consumer Issues
Topic: Talk me out of buying a Tesla Model 3
Replies: 338
Views: 23566

Re: Talk me out of buying a Tesla Model 3

another price change: The Tesla Model 3 Performance sedan got a $5,000 price cut on Friday. The electric-car company originally offered this version of its entry-level sedan with the option of a "performance upgrade" package, which was priced at $5,000. The performance upgrade package includes 20-in...