Search found 706 matches

by Jeff Albertson
Thu Nov 14, 2019 11:16 am
Forum: Personal Consumer Issues
Topic: Personal Cloud Storage NAS - I'm Interestd!
Replies: 17
Views: 1708

Re: Personal Cloud Storage NAS - I'm Interestd!

Wirecutter recommends a Synology DiskStation.

"The Best NAS for Most Home Users"
https://thewirecutter.com/reviews/best- ... d-storage/
by Jeff Albertson
Thu Nov 07, 2019 9:27 pm
Forum: Investing - Theory, News & General
Topic: Cliff Asness: It’s Time For A Venial Value-Timing Sin
Replies: 19
Views: 1871

Re: Cliff Asness: It’s Time For A Venial Value-Timing Sin

Is this the same guy who, in 2010, warned quantitative easing "risk currency debasement and inflation"?
https://blogs.wsj.com/economics/2010/11 ... -bernanke/
by Jeff Albertson
Sat Nov 02, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Folks age between 65-70. What’s your exercise routine
Replies: 44
Views: 4474

Re: Folks age between 65-70. What’s your exercise routine

Here's a nice video that shows what you need to be fit - Meet Memo (age 46), the Marie Kondo of Fitness In a cluttered world of boutique fitness studios and high-end gear, Guillermo Piñeda Morales reminds us that we don’t actually need much to be our best. https://www.nytimes.com/2019/11/01/opinion/...
by Jeff Albertson
Tue Oct 15, 2019 9:31 pm
Forum: Investing - Theory, News & General
Topic: The One-Fund Portfolio as a default suggestion
Replies: 136
Views: 18748

Re: The One-Fund Portfolio as a default suggestion

Mike Piper ( https://www.bogleheads.org/wiki/Mike_Piper ) has written a few articles on changing to a single LifeStrategy fund. https://obliviousinvestor.com/my-portfolio-updated/ https://obliviousinvestor.com/more-on-switching-to-vanguards-lifestrategy-growth-fund/ The primary reason we made the ch...
by Jeff Albertson
Sun Oct 13, 2019 6:01 pm
Forum: Investing - Theory, News & General
Topic: Treasury auction of 5 year TIPS coming up....
Replies: 33
Views: 3192

Re: Treasury auction of 5 year TIPS coming up....

Svensk Anga wrote:
Thu Oct 10, 2019 11:00 am
I-bonds at 0.5% real through the end of the month are a better deal than the 5-year TIPS. On November 1 the real rate for new I bonds will be adjusted, very likely lower.
+1
by Jeff Albertson
Fri Oct 11, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 4114

Re: duckduckgo

Web search is just the tip of the iceberg. Your privacy is being compromised in any number of ways. The Washington Post's tech columnist, Geoffrey A. Fowler, has a number of articles detailing how you are exposed. This one concerns web browser extensions: https://www.washingtonpost.com/technology/20...
by Jeff Albertson
Sat Oct 05, 2019 9:52 pm
Forum: Personal Consumer Issues
Topic: Preparing for 25% tariff on Scotch
Replies: 39
Views: 4592

Re: Preparing for 25% tariff on Scotch

But German whiskey? In fact, Germany is now home to almost twice as many whiskey distilleries as Scotland — around 250 producers, according to a website run by the German government, compared to “over 130” in the land of the wee dram, according to the Scotch Whisky Association. While that might be ...
by Jeff Albertson
Sat Sep 21, 2019 9:19 pm
Forum: Personal Consumer Issues
Topic: Flexible cheap flights
Replies: 6
Views: 703

Re: Flexible cheap flights

Google's 'Matrix Airfare Search' will search for the lowest fares in a 30 day period. Repeat your search for additional periods. Some of the budget airlines might not be included.

http://matrix.itasoftware.com/
by Jeff Albertson
Tue Sep 10, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 116
Views: 9343

Re: Electric Bicycles

"How an E-Bike Changed My Life Riding grew harder as I grew older. Then I got an electric bicycle." https://www.nytimes.com/2019/08/20/opinion/electric-bike-aging.html?searchResultPosition=14 Although they’ve been around since the 1990s, until recently e-bikes were sold mostly in China and in Europe...
by Jeff Albertson
Sat Sep 07, 2019 9:23 pm
Forum: Personal Consumer Issues
Topic: Best college towns in the Southeastern US for retirees?
Replies: 80
Views: 8993

Re: Best college towns in the Southeastern US for retirees?

Looking at concentrations of the 'creative class' rather than 'college towns' might be more useful.
Image
https://www.citylab.com/life/2019/07/ci ... ap/593416/
by Jeff Albertson
Sat Sep 07, 2019 8:10 pm
Forum: Personal Consumer Issues
Topic: Financial Movies and Shows
Replies: 80
Views: 7672

Re: Financial Movies and Shows

Terry Jones' "Boom Bust Boom", on Amazon Prime. https://www.youtube.com/watch?v=7XtnZDNXCKM or https://www.amazon.com/Boom-Bust-Terry-Jones/dp/B01CUSYVJK "Terry Jones guides us through the history and the nature of the economic boom-bust cycle and why people repeatedly ignore it to their sorrow." al...
by Jeff Albertson
Sat Sep 07, 2019 10:00 am
Forum: Investing - Theory, News & General
Topic: Trouble logging on to Vanguard in the last week...
Replies: 14
Views: 1389

Re: Trouble logging on to Vanguard in the last week...

My yubikey hasn't been accepted the last two weeks. It may be related to the Windows 1903 update.
by Jeff Albertson
Wed Sep 04, 2019 6:56 pm
Forum: Personal Consumer Issues
Topic: "Home" Cell Phone
Replies: 40
Views: 3495

Re: "Home" Cell Phone

another option, move to France (or open the local market to more competition): @upgradeseattle I live in France. For 29.99€, I have a landline, fiber optic Internet connection with unlimited up and download, incl. TV and streaming. Toss 16.99€ on top of that for a cell connection with unlimited data...
by Jeff Albertson
Fri Aug 30, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Looking to buy a Patagonia jacket. Which are your favorites?
Replies: 27
Views: 2996

Re: Looking to buy a Patagonia jacket. Which are your favorites?

At the highest levels of power in the finance and tech industries, there is one gold standard, one unifying symbol that binds together all self-styled masters of the universe, all the titans of industry: the Patagonia Nano Puff vest with an embroidered corporate logo, also know as the Power Vest. h...
by Jeff Albertson
Sat Aug 17, 2019 12:56 pm
Forum: Personal Consumer Issues
Topic: Book or documentary recommendations on American economic dominance
Replies: 26
Views: 1854

Re: Book or documentary recommendations on American economic dominance

somewhat related, on BBC Radio 4, 'World War 2: The Economic Battle' (available next week) https://www.bbc.co.uk/programmes/m0007qbh/episodes/guide Five episodes: France - War and the French Economy from 1920 – 1940. The Soviet Union - War and the Soviet economy from 1920 – 1940 China and Japan - Ch...
by Jeff Albertson
Sun Aug 04, 2019 9:30 pm
Forum: Personal Consumer Issues
Topic: Travel German alpine and Swiss Alp. Please review
Replies: 22
Views: 1520

Re: Travel German alpine and Swiss Alp. Please review

I really enjoyed the Grossglockner High Alpine Road. I was there just after they opened it in the spring, lots of snow. The most unexpected feature was the almost total silence, just an occasional drop of melted snow hitting the road. The experience might be totally different in the more touristy ti...
by Jeff Albertson
Thu Aug 01, 2019 9:58 pm
Forum: Personal Consumer Issues
Topic: Gifts to Bring when Traveling Overseas
Replies: 72
Views: 3477

Re: Gifts to Bring when Traveling Overseas

I'd bring some food or drink unique to your city or state. There's a high probability any trinket you bring will get tossed as soon as you leave.
by Jeff Albertson
Wed Jul 31, 2019 9:31 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4794
Views: 1249754

Re: What Movie Have You Recently Watched?

Foyle’s War! This week it was voted the show viewers most miss from the past 20 years, with a message as relevant as ever - that’s why our TV critic says the greatest Foyle mystery of all is his own disappearance. Author Anthony Horowitz puts it succinctly: ‘Why would anyone be interested in one sol...
by Jeff Albertson
Thu Jul 18, 2019 6:19 pm
Forum: Personal Investments
Topic: US citizen retiring in Spain - portfolio concern
Replies: 25
Views: 2382

Re: US citizen retiring in Spain - portfolio concern

This guy, Martin Varsavsky, seems to like Madrid somewhat more than San Francisco. Have a good retirement!
https://mobile.twitter.com/martinvars/s ... 1647830022
by Jeff Albertson
Mon Jul 15, 2019 10:08 am
Forum: Personal Consumer Issues
Topic: Anyone buy the Nissan Rogue over the Honda CRV???
Replies: 86
Views: 6125

Re: Anyone buy the Nissan Rogue over the Honda CRV???

PBS Motorweek program recently reviewed small SUVs.
by Jeff Albertson
Mon Jun 24, 2019 8:57 pm
Forum: Personal Consumer Issues
Topic: hybrid or plug-in electric car
Replies: 106
Views: 9521

Re: hybrid or plug-in electric car

Somewhat negatively, I am also increasingly convinced this sucker is going to blow, it's going to be very bad, and survival of western civilisation is not certain. Human extinction is not likely (bar a nuclear war & associated nuclear winter) but it's indeed possible. Recent events have convinced m...
by Jeff Albertson
Mon Jun 24, 2019 8:53 pm
Forum: Investing - Theory, News & General
Topic: FT article: "Pension funds raise concern over index manager stewardship"
Replies: 21
Views: 2088

Re: FT article: "Pension funds raise concern over index manager stewardship"

This question is probably above the pay grade of 100% of the people on this board, but in my lowly opinion should set alarms among regulators. See "The Specter of the Giant Three", by Lucian Bebchuk (Harvard Law School) and Scott Hirst (Boston University) https://corpgov.law.harvard.edu/2019/05/21/t...
by Jeff Albertson
Sun Jun 23, 2019 7:10 pm
Forum: Personal Consumer Issues
Topic: Protecting personal privacy on-line - CBS News
Replies: 29
Views: 3365

Re: Protecting personal privacy on-line - CBS News

restart of a 2018 thread --- You may want to ditch your Chrome browser also. My tests of Chrome vs. Firefox unearthed a personal data caper of absurd proportions. In a week of Web surfing on my desktop, I discovered 11,189 requests for tracker “cookies” that Chrome would have ushered right onto my c...
by Jeff Albertson
Sat Jun 15, 2019 7:07 pm
Forum: Personal Investments
Topic: Should I leave Betterment?
Replies: 33
Views: 6644

Re: Should I leave Betterment?

Betterment founder, Jonathan Stein, is guest on Bloomberg's 'Masters in Business' podcast. https://ritholtz.com/2019/06/mib-jonathan-stein/?utm_source=dlvr.it&utm_medium=twitter This week, we speak with Jonathan Stein, founder and CEO of Betterment, an online automated firm with $16.4 billion dollar...
by Jeff Albertson
Thu Jun 13, 2019 10:05 pm
Forum: Investing - Theory, News & General
Topic: John Bogle gives tips for life on Father’s Day
Replies: 20
Views: 4140

John Bogle gives tips for life on Father’s Day

An updated article from the Philly Inquirer: https://www.inquirer.com/business/vanguard-john-bogle-fathers-day-happiness-20190612.html Five years ago, in the midst of an existential crisis, I called Jack Bogle and asked if we could talk. Bogle, the founder of Vanguard, the Malvern-based mutual fund ...
by Jeff Albertson
Wed Jun 12, 2019 5:34 pm
Forum: Investing - Theory, News & General
Topic: The impact of Baby Boomers on the Future of U.S. Stocks
Replies: 41
Views: 5650

Re: The impact of Baby Boomers on the Future of U.S. Stocks

Totally ignored is the fact that 10% of households own 84% of stocks. Most of those households can live on dividends & don't need to sell many/any stocks in retirement. What the other 90% of households do, with 16% of stocks, may be relatively insignificant. National Bureau of Economic Research, fig...
by Jeff Albertson
Fri Jun 07, 2019 9:34 pm
Forum: Investing - Theory, News & General
Topic: The Economist: "Picking managers on the basis of past performance is a mug’s game."
Replies: 7
Views: 1193

Re: The Economist: "Picking managers on the basis of past performance is a mug’s game."

The question isn't active vs passive. Instead it's low cost & diversification vs high cost & not diversified. I prefer Vanguard's "total-type" index funds, but wouldn't mind that much if I had to use their active funds instead. The biggest difference would probably be at tax time.
by Jeff Albertson
Fri Jun 07, 2019 8:50 pm
Forum: Personal Investments
Topic: new here, best fund advice
Replies: 5
Views: 564

Re: new here, best fund advice

I guess you have two choices, take advice over the internet from anonymous strangers or educate yourself by reading some decent books on the subject. There is a suggested book list on this site: https://www.bogleheads.org/wiki/Books:_recommendations_and_reviews Note that one of the better books is f...
by Jeff Albertson
Fri Jun 07, 2019 4:32 pm
Forum: Personal Consumer Issues
Topic: Preventing Identity Theft
Replies: 46
Views: 4192

Re: Preventing Identity Theft

the https://www.ftc.gov/ website has some info
by Jeff Albertson
Fri Jun 07, 2019 9:38 am
Forum: Personal Investments
Topic: very concerned about stock and bond movement
Replies: 26
Views: 2246

Re: very concerned about stock and bond movement

Do you want to go thru life constantly worrying about something you have no control over? There are at least four options, (1) sell down to the sleeping point, or (2) find something else to occupy your time and stop checking on your investments, (3) put your money in one of the target retirement fun...
by Jeff Albertson
Thu Jun 06, 2019 6:18 pm
Forum: Investing - Theory, News & General
Topic: US stocks still look better than anywhere else
Replies: 100
Views: 8322

Re: US stocks still look better than anywhere else

True, and the talent flows to Silicon Valley from all over the world, which is a particularly amazing self-perpetuating success story of immigration. No other country has such a powerful talent magnet. The US in general has been the beneficiary of a global brain drain to a degree that no other coun...
by Jeff Albertson
Wed Jun 05, 2019 5:47 pm
Forum: Investing - Theory, News & General
Topic: How do you talk to investment advisors socially?
Replies: 31
Views: 2255

Re: How do you talk to investment advisors socially?

It is difficult to get a man to understand something when his salary depends upon his not understanding it. - Upton Sinclair
by Jeff Albertson
Tue Jun 04, 2019 11:13 am
Forum: Investing - Theory, News & General
Topic: TSP RMD's
Replies: 38
Views: 3945

Re: TSP RMD's

Even more changes pending with bills in congress to extend RMD's to 72. Any more news on this? The proposed changes are part of H.R. 1994, the Setting Every Community Up for Retirement Enhancement Act of 2019, which passed the House with an overwhelming bipartisan majority on May 23. The bill would...
by Jeff Albertson
Sun Jun 02, 2019 9:11 pm
Forum: Personal Consumer Issues
Topic: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best
Replies: 35
Views: 4039

Re: Now that we know we're just digital prey, tell me about ad blockers and other apps and which ones are best

don't forget your mobile devices - https://www.washingtonpost.com/technology/2019/05/28/its-middle-night-do-you-know-who-your-iphone-is-talking/?utm_term=.f771edb1f22b Apple says, “What happens on your iPhone stays on your iPhone.” Our privacy experiment showed 5,400 hidden app trackers guzzled our ...
by Jeff Albertson
Wed May 29, 2019 3:36 pm
Forum: Personal Consumer Issues
Topic: Looking for initerary recommendation-driving from Munich
Replies: 11
Views: 422

Re: Looking for initerary recommendation-driving from Munich

Spend time learning how to drive, then spend some more time. Search for at least a couple of sites like this: http://www.gettingaroundgermany.info/auto.shtml
by Jeff Albertson
Tue May 28, 2019 12:37 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

- You could easily spend 7 days in London and not get bored. "Why, Sir, you find no man, at all intellectual, who is willing to leave London. No, Sir, when a man is tired of London, he is tired of life; for there is in London all that life can afford." - Samuel Johnson http://www.samueljohnson.com/...
by Jeff Albertson
Tue May 28, 2019 12:00 pm
Forum: Personal Consumer Issues
Topic: Finally broke down and bought a new ipad....
Replies: 20
Views: 3009

Re: Finally broke down and bought a new ipad....

just be careful what you install! Apple says, “What happens on your iPhone stays on your iPhone.” Our privacy experiment showed 5,400 hidden app trackers guzzled our data — in a single week. https://www.washingtonpost.com/technology/2019/05/28/its-middle-night-do-you-know-who-your-iphone-is-talking/...
by Jeff Albertson
Sun May 26, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

Some universities rent dorm rooms when school is not in session. Here's the London School of Economics site: https://www.lsevacations.co.uk/home.aspx
by Jeff Albertson
Sun May 26, 2019 7:21 pm
Forum: Investing - Theory, News & General
Topic: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks
Replies: 58
Views: 5349

Re: WSJ Article: Think Before You Fish for Bargains in Chinese Stocks

I really enjoyed this interview with Mr Zweig. http://jasonzweig.com/a-conversation-with-david-perell/ There's probably more time spent on writing than on investments. Like he says, you can only say so much about the secret to successful investing, diversify & watch costs. My guest today is Jason Zw...
by Jeff Albertson
Sat May 25, 2019 1:03 pm
Forum: Personal Consumer Issues
Topic: London / UK Summer Trip
Replies: 57
Views: 3568

Re: London / UK Summer Trip

A walking tour is the most efficient way to see a lot in a little time. This company has a tour for about every interest, including tours of nearby towns: http://www.walks.com/
by Jeff Albertson
Tue May 21, 2019 8:13 am
Forum: Investing - Theory, News & General
Topic: TSP modernization implementation date: 9/15/2019
Replies: 24
Views: 2870

Re: TSP modernization implementation date: 9/15/2019

I am watching this very closely. I don't like the Government putting any restrictions on the accessibility of my money. My ONLY issue should be paying the taxes, nothing else. I don' t like what I am seeing so far. They still put restrictions on your money, although it is better than it was. The cu...
by Jeff Albertson
Sun May 19, 2019 7:46 am
Forum: Personal Consumer Issues
Topic: Last Pass with Vanguard and USAA
Replies: 38
Views: 4095

Re: Last Pass with Vanguard and USAA

@keyfort You can reset each site's password individually if you forget your LastPass master password. You just won't be able to access your LastPass vault and all your stored passwords will be erased. There are ways to recover your account. Read the lastpass blog: "Never Lose Access to LastPass wit...
by Jeff Albertson
Sun May 19, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: Good quality sneakers for someone with foot issues?
Replies: 37
Views: 3295

Re: Good quality sneakers for someone with foot issues?

I listened to this podcast this morning. It may be of interest to you: https://www.bbc.co.uk/programmes/w3csz4bd Feet The CompassChanging World, Changing Bodies Episode 1 of 3 For nearly two million years we evolved in close sync with our environment but 250 years ago the industrial revolution happe...
by Jeff Albertson
Wed May 15, 2019 8:48 pm
Forum: Personal Consumer Issues
Topic: Last Pass with Vanguard and USAA
Replies: 38
Views: 4095

Re: Last Pass with Vanguard and USAA

Lastpass is a reasonable, commonly-used cloud-based password manager. That implies some things: If you forget your Master Password to Lastpass, there are very limited (potentially no) ways of recovering your other passwords. Some of these recovery methods may require prior configuration. You should...
by Jeff Albertson
Tue May 14, 2019 12:28 pm
Forum: Personal Consumer Issues
Topic: Police and Troopers fund.
Replies: 77
Views: 3556

Re: Police and Troopers fund.

Advice from the Federal Trade Commission:
https://www.consumer.ftc.gov/articles/0 ... refighters
by Jeff Albertson
Sat May 11, 2019 2:00 pm
Forum: Personal Consumer Issues
Topic: Summer Vacation UK vs. Spain
Replies: 41
Views: 3228

Re: Summer Vacation UK vs. Spain

First question is the Gracia district a good place to stay for our "primary" hub during the first week? I'm thinking we will stay 4 nights in Barcelona then go out to some surrounding areas. I need to figure out the best location for that first "Barcelona proper" hotel or airbnb. Then I need to fig...