Search found 708 matches

by anoop
Sat Dec 01, 2018 2:13 am
Forum: Investing - Theory, News & General
Topic: Why don't I read about this strategy more? [12-month moving average, momentum]
Replies: 94
Views: 13116

Re: Why don't I read about this strategy more? [12-month moving average, momentum]

That's why I'm not a huge fan of a simple moving average strategy; they trade too often and experience too many whipsaws for my taste. They have certainly been effective, but I don't like that bug. That's why I employ a two-signal strategy; I only move out of stocks if both signals indicate for me ...
by anoop
Sat Dec 01, 2018 1:04 am
Forum: Investing - Help with Personal Investments
Topic: The Disaster That Is General Electric Company Stock
Replies: 53
Views: 9914

Re: The Disaster That Is General Electric Company Stock

Any chance it will become Government Electric, just like Government Motors? It caught my eye for a while because it was the best valued stock in the Dow with a hefty dividend. I decided against investing when Warren Buffet made a public statement that he wouldn't invest in it at that price (just und...
by anoop
Sat Dec 01, 2018 12:51 am
Forum: Investing - Theory, News & General
Topic: Why don't I read about this strategy more? [12-month moving average, momentum]
Replies: 94
Views: 13116

Re: Why don't I read about this strategy more? [12-month moving average, momentum]

Just had a whipsaw if someone is following this portfolio. Sold on the first trading day following 10/31 and buy back in following 11/30. https://www.advisorperspectives.com/dshort/updates/2018/11/30/moving-averages-november-month-end-update Demonstrates how one loses some gain. I guess that is the ...
by anoop
Fri Nov 30, 2018 5:03 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 15
Views: 1626

Re: Data Breach Litigation - Anthem

If we figure out how to properly value the effect of a data breach, and don't settle for less than that, it may change the equation for businesses. Also, it's not really an oligopoly issue. There were a lot of alternative banks Citibank customers, for example, could have fled to after their 2011 br...
by anoop
Fri Nov 30, 2018 3:20 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 15
Views: 1626

Re: Data Breach Litigation - Anthem

It is going to continue. I recognize data security is challenging, but it's not clear to me many companies are making appropriate efforts to secure personal data collect, nor that they have reasonable needs for all of the information they collect. Numerous companies in the Wikipedia list even have ...
by anoop
Wed Nov 28, 2018 11:00 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 15
Views: 1626

Re: Data Breach Litigation - Anthem

I got a letter the other day. No check but a code to enter to get monitoring. Problem is, the letter is addressed to Amanda Woodward, whoever that is. And it is the second time, I believe. Tried to call the help numbers, but Experian makes it impossible to reach a real person. I plan to send the le...
by anoop
Wed Nov 28, 2018 7:40 pm
Forum: Personal Consumer Issues
Topic: Data Breach Litigation - Anthem
Replies: 15
Views: 1626

Re: Data Breach Litigation - Anthem

I received $50 today for this breach. I had forgotten about this one and I had to look it up. The information compromised in this particular breach was huge. https://en.wikipedia.org/wiki/Anthem_medical_data_breach It made me feel really bad for 2 reasons. 1. Companies don't need to worry too much a...
by anoop
Wed Nov 28, 2018 6:45 pm
Forum: Personal Consumer Issues
Topic: Is good, quality luggage worth the price?
Replies: 88
Views: 5527

Re: Is good, quality luggage worth the price?

Good quality for anything is worth it. How to gauge good quality is becoming a lot harder. Brand, price, design, type of materials, quality of materials, country of manufacture--all of these used to mean something, but not anymore. Even the very same product that was being sold 5 years ago is likely...
by anoop
Wed Nov 28, 2018 6:35 pm
Forum: Investing - Help with Personal Investments
Topic: Future of Stock Market - Less IPO's
Replies: 5
Views: 614

Re: Future of Stock Market - Less IPO's

Could this pose a risk to the long term growth of the stock market? I realize that large companies end up buying up a lot of these now versus them going public but does that necessarily absolve that risk? Why do you think it would pose a risk? It's the number of buyers of stocks that matters, not t...
by anoop
Mon Nov 19, 2018 12:14 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2759

Re: Laptop security - Mac OS or Windows

I have been using an HP laptop running Win7 since 2010. My general impression is that windows is like driving a Toyota, pretty reliable, but the bootup time is long, and the updates are a pain, and there are security concerns. Switching to a Mac would be like upgrading to a Lexus or a BMW? Can expe...
by anoop
Sun Nov 18, 2018 10:18 pm
Forum: Personal Consumer Issues
Topic: Men's crew neck t-shirts
Replies: 47
Views: 3706

Re: Men's crew neck t-shirts

If you're looking for luxury you could try Zimmerli or Hanro. I've noticed that over time the very soft cotton fabric (when new) becomes stiff, regardless of the washing technique. I've always been curious about that--is calcium or other minerals in the water building up in the cotton fabric, or is ...
by anoop
Sun Nov 18, 2018 5:49 pm
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2759

Re: Laptop security - Mac OS or Windows

With Windows, freezes/BSODs, unscheduled reboots, etc. are all an accepted part of life. Are you speaking from recent experience with Windows 10 or from back in the day of earlier OS's? I've been using a Windows 10 desktop for more than a couple of years now and, while my usage has been light, I've...
by anoop
Sun Nov 18, 2018 11:36 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2759

Re: Laptop security - Mac OS or Windows

If you're concerned about security, Chromebooks (at any price) are a more secure computing platform than Macs or PCs. The security hierarchy goes something like iOS devices (iPhones, iPads) > Chromebooks > Macs/PCs, with iOS devices and Chromebooks taking a very strong lead over general-purpose com...
by anoop
Sun Nov 18, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2759

Re: Laptop security - Mac OS or Windows

Long time Apple user here. My MacBook Pro is getting old so I am starting to research a replacement. My needs are modest as I have a Windows 10 desktop for heavy lifting but would like it to be capable of doing occasional photo editing. I'd like to stay with Apple but as time goes by I am less and ...
by anoop
Sun Nov 18, 2018 11:06 am
Forum: Personal Consumer Issues
Topic: Laptop security - Mac OS or Windows
Replies: 42
Views: 2759

Re: Laptop security - Mac OS or Windows

For $1,200 the new MacBook Air strikes me as a good value for Apple users. I don't view it as a good value given the 128 GB storage of the base model. I'd have to go with the 256 GB SSD option and buy some dongles so we're now talking about $1450 for what I've read is a somewhat underpowered machin...
by anoop
Fri Nov 16, 2018 4:25 am
Forum: Investing - Help with Personal Investments
Topic: Are We In A Real Estate Bubble?
Replies: 112
Views: 13606

Re: Are We In A Real Estate Bubble?

For real-estate there is only one place to consult: CalculatedRisk. https://www.calculatedriskblog.com/2017/10/are-house-prices-new-bubble.html https://www.calculatedriskblog.com/2018/09/merrill-existing-home-sales-have-peaked.html https://www.calculatedriskblog.com/2018/10/q3-review-ten-economic-qu...
by anoop
Mon Nov 05, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Time to splurge. MB E class, BMW 5 or Audi 6?
Replies: 70
Views: 6042

Re: Time to splurge. MB E class, BMW 5 or Audi 6?

Time for a new car and have decided to splurge a little in our old age. We currently have a BMW series 3 with 110K miles and like it a lot. May even be doing European Delivery. Your take on 2019 MB E Class or BMW Series 5 or Audi 6?Just doing research now and will buy some time after the New Year. ...
by anoop
Mon Jun 25, 2018 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best Online Bank for parking cash?
Replies: 13
Views: 1686

Re: Best Online Bank for parking cash?

you can just buy a 1-month or 3-month t-bill with autoroll.
https://www.treasury.gov/resource-cente ... data=yield
by anoop
Mon Jun 25, 2018 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: Double Digits years of living expenses in Fixed Income
Replies: 29
Views: 2611

Re: Double Digits years of living expenses in Fixed Income

It has nothing to with sanity (or lack thereof), more to do with what you are comfortable with. I'm 47 and aside from a small position in INTC and the equity of the house I live in, I'm 100% fixed income. The overwhelming majority of bogleheads think it's better to be in stocks for the long run, but...
by anoop
Sat Jun 23, 2018 2:24 am
Forum: Personal Finance (Not Investing)
Topic: Moving Cash to Fido Cash Management Account
Replies: 13
Views: 1634

Re: Moving Cash to Fido Cash Management Account

arf30 wrote:
Fri Jun 22, 2018 2:38 pm
They don't accept money orders. If Fidelity ever decides to run their own bank like Schwab instead of the weird system they have now they'll be the ultimate one stop solution.
I though Schwab was cashless too.
by anoop
Sat Jun 23, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: Is Amazon Prime worth it?
Replies: 146
Views: 15595

Re: Is Amazon Prime worth it?

I don't have it because shopping at amazon is my last choice. Their business practices are predatory. https://www.thestreet.com/opinion/amazon-is-losing-money-from-retail-operations-14571703 https://www.wsj.com/articles/how-amazon-became-one-of-washingtons-most-powerful-players-1529509628 But if you...
by anoop
Tue Jun 12, 2018 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Should I contribute to this ESPP?
Replies: 21
Views: 1424

Re: Should I contribute to this ESPP?

Thanks everyone for the feedback. I've decided to contribute the max ($6250 per quarter) and treat is as deferred compensation. I will probably sell at 1 year (which is the earliest I can) and take some of the difference in price as ordinary income rather than tie it up another year for slightly be...
by anoop
Mon Jun 11, 2018 11:42 pm
Forum: Personal Finance (Not Investing)
Topic: Why do we work?
Replies: 121
Views: 11233

Re: Why do we work?

Like many have said already, I too work because I need to.

If I didn't need to, I might still work, but my attitude to it would be very different.

Also, this question becomes very interesting in the context of no dependents.
by anoop
Mon Jun 11, 2018 11:30 pm
Forum: Investing - Help with Personal Investments
Topic: Mea culpa - market-timing with REITs - what to do now?
Replies: 25
Views: 3100

Re: Mea culpa - market-timing with REITs - what to do now?

REIT index funds as measured by VNQ / VGSIX are up about 9% since I last dissed them, so your perception of them not performing well of late is terribly wrong. A lot of other things are up in the 5% to 8% range since then. Maybe it is time to rebalance out of REITs now? Interesting. Ivy portfolio r...
by anoop
Thu Jun 07, 2018 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 4362

Re: Fixed Income investments too conservative?

I'm 47 and close to 100% fixed income. I have been earning < 1% most of the last few years on my 401k... Ouch. Over the last few years like 2016 and 2017, the inflation rate for both years was 2.1% , so, unfortunately no earnings, but rather losses in purchasing power :? Fully aware of that and it ...
by anoop
Thu Jun 07, 2018 1:06 am
Forum: Personal Finance (Not Investing)
Topic: Can a Retired 60 yo MD, MBA Start a Law Career?
Replies: 276
Views: 15449

Re: Can a Retired 60 yo MD, MBA Start a Law Career?

Sure you've done this already, but... http://lmgtfy.com/?q=law+school+at+age+60 Also, to all those who think OP is too old to start a new career, consider this: https://blog.adioma.com/wp-content/uploads/2014/06/never-too-late-when-companies-started-infographic.png Or even this: https://www.slidesha...
by anoop
Wed Jun 06, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income investments too conservative?
Replies: 59
Views: 4362

Re: Fixed Income investments too conservative?

I'm 47 and close to 100% fixed income. I have been earning < 1% most of the last few years on my 401k. Outside 401k it has been a bit better at < 2%. So I think it all boils down to what you are comfortable with. There are others here (a minority for sure) that are also close to or 100% fixed income...
by anoop
Sun May 27, 2018 12:45 pm
Forum: Personal Consumer Issues
Topic: Re: done with Gmail
Replies: 114
Views: 13348

Re: done with Gmail

I've heard good things about proton mail This is from the Proton mail website... ProtonMail's zero access architecture means that your data is encrypted in a way that makes it inaccessible to us. Data is encrypted on the client side using an encryption key that we do not have access to. This means ...
by anoop
Sun May 27, 2018 11:46 am
Forum: Investing - Theory, News & General
Topic: US T bills - first time user
Replies: 138
Views: 13399

Re: US T bills - first time user

This might merit its own post, but I have some of the same questions about T Bills. However, I wonder about using Merrill Edge. I have seen recommendations in the past for Fidelity for this, but have incentive to keep transactions at Merrill Edge for Preferred Rewards. Any pros/cons to using Merril...
by anoop
Tue May 22, 2018 6:59 pm
Forum: Personal Consumer Issues
Topic: Tesla Autopilot, worth it?
Replies: 113
Views: 8741

Re: Tesla Autopilot, worth it?

This is my view on Tesla's implementation of autopilot.
http://anoopsplace.blogspot.com/2018/04 ... pilot.html
by anoop
Tue May 22, 2018 4:11 am
Forum: Personal Consumer Issues
Topic: Is there a boglehead muscle car?
Replies: 140
Views: 9836

Re: Is there a boglehead muscle car?

https://www.caranddriver.com/honda/civic-type-r

Costs about 10K more than your budget but it will more economical than most in the long run and also likely to retain its value.
by anoop
Tue May 22, 2018 3:45 am
Forum: Personal Finance (Not Investing)
Topic: Buy this home?
Replies: 39
Views: 4405

Re: Buy this home?

The house price is a little on the high side for your income, but still manageable. Normally, I would be comfortable with price/income = 2.5 to 3.5. In your case, it's about 4. Here are some general thoughts on affordability. http://anoopsplace.blogspot.com/2010/08/useful-rules-of-thumb-for-home-buy...
by anoop
Tue May 22, 2018 1:44 am
Forum: Personal Finance (Not Investing)
Topic: Is it time for me to change jobs or should I stay put?
Replies: 70
Views: 7260

Re: Is it time for me to change jobs or should I stay put?

Linked in....what's that? Just kidding....but I do not have a linked in, never really had much use for it. I wonder if merely creating an accout at this stage would be a giveaway. LinkedIn is useful as a rolodex, to stay in touch with people you know, and nothing more. They are people that actually...
by anoop
Tue May 22, 2018 1:21 am
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12023

Re: Career planning in IT/software development when over 40

It's a dead end for a career in the US. May be a good idea if you're in Asia. We need shoes, but they come from Asia. Nobody is saying we won't need shoes in the future. Likewise, we will need technology, but it will come from Asia. It is already impossible to do high tech manufacturing in the US b...
by anoop
Mon May 21, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50993

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I will never use a 529 plan because of simplicity. Imagine I have two kids so I have two 529 plans, a 401K (at least 1), a ROTH, HSA, taxable (maybe more than 1), etc. Too much for me. I like simplicity . I like to have as few accounts as possible. It keeps my money more focused. Hurray for simplic...
by anoop
Mon May 21, 2018 9:23 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50993

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I will never use a 529 plan because of simplicity. Imagine I have two kids so I have two 529 plans, a 401K (at least 1), a ROTH, HSA, taxable (maybe more than 1), etc. Too much for me. I like simplicity . I like to have as few accounts as possible. It keeps my money more focused. Hurray for simplic...
by anoop
Mon May 21, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50993

Re: "Why 97% of People Don't Use 529 College Savings Plans."

I will never use a 529 plan because of simplicity. Imagine I have two kids so I have two 529 plans, a 401K (at least 1), a ROTH, HSA, taxable (maybe more than 1), etc. Too much for me. I like simplicity . I like to have as few accounts as possible. It keeps my money more focused. Hurray for simplic...
by anoop
Mon May 21, 2018 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12023

Re: Career planning in IT/software development when over 40

Oh, come on. STEM isn't a dead end. Possibly reduced importance or income possibilities, but the world is still constantly moving towards a technological future. Insurance and real estate is the future? C'mon. Those things are automated much more easily than most of tech. It's a dead end for a care...
by anoop
Mon May 21, 2018 4:01 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12023

Re: Career planning in IT/software development when over 40

The system admin thing (and other support jobs) are significantly less prone to outsourcing or offshoring I have seen anecdotally. This is not true. A good chunk of IT support is now done from off shore locations. Only things like replacing hardware are done locally. As far as enterprises go, publi...
by anoop
Sun May 20, 2018 12:27 am
Forum: Personal Consumer Issues
Topic: New 2018 Nissan Leaf (with 150 mi range)
Replies: 52
Views: 5887

Re: New 2018 Nissan Leaf (with 150 mi range)

Congratulations.

There are some incredible deals to be had on electric cars.
https://www.bloomberg.com/news/articles ... ubway-pass

2019 Leaf will have longer range.
https://electrek.co/2018/01/04/nissan-l ... -charging/
by anoop
Sat May 19, 2018 11:47 pm
Forum: Personal Finance (Not Investing)
Topic: Career planning in IT/software development when over 40
Replies: 118
Views: 12023

Re: Career planning in IT/software development when over 40

Think of coding as manufacturing of yore. Hardware jobs are shrinking like crazy because most companies source everything from ODMs in Asia. Moving forward, software is headed in that direction too. I would recommend getting an MBA or a masters in financial engineering. That is the future. All compa...
by anoop
Fri May 18, 2018 9:36 am
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4370

Re: Should I have my new garage floor coated with Epoxy?

naples09 wrote:
Fri May 18, 2018 9:33 am
anoop wrote:
Thu May 17, 2018 11:08 pm
BobTexas wrote:
Thu May 17, 2018 6:51 pm
A point to remember is that it is much easier to do before you move in. I would do it again
Why is it easier?
The smell is really bad too for a couple days.
Are there any options where the smell is not too bad. Perhaps low/zero VOC product or some other alternatives?
by anoop
Fri May 18, 2018 9:17 am
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4370

Re: Should I have my new garage floor coated with Epoxy?

ddurrett896 wrote:
Fri May 18, 2018 9:13 am
anoop wrote:
Thu May 17, 2018 11:08 pm
Why is it easier?
There is nothing to move out...
OK. In my case, the only things there are my car and a doormat.
by anoop
Thu May 17, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Unique Phone Apps that you find yourself using most often?
Replies: 46
Views: 8093

Re: Unique Phone Apps that you find yourself using most often?

To the extent possible, I avoid using apps other than those from Apple. This is because apps do weird things like run in the backrground consuming battery and also try to be smart by wanting to know your location and possibly other info. So there's a trust issue. Instead, I access most services thro...
by anoop
Thu May 17, 2018 11:08 pm
Forum: Personal Consumer Issues
Topic: Should I have my new garage floor coated with Epoxy?
Replies: 30
Views: 4370

Re: Should I have my new garage floor coated with Epoxy?

BobTexas wrote:
Thu May 17, 2018 6:51 pm
A point to remember is that it is much easier to do before you move in. I would do it again
Why is it easier?
by anoop
Sun May 13, 2018 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: CA muni bonds v US bonds in taxable account?
Replies: 38
Views: 3804

Re: CA muni bonds v US bonds in taxable account?

The thing that bothers me about munis is they don't carry the same guarantee as a treasury. What happens if a city declares bankruptcy? http://www.sacbee.com/news/politics-government/capitol-alert/article45376695.html https://www.gobankingrates.com/net-worth/bankruptcy/us-cities-bankrupt/ Your assu...