Search found 4832 matches

by Browser
Sat Sep 19, 2015 11:52 am
Forum: Personal Finance (Not Investing)
Topic: Am I less protected with chip-and-signature?
Replies: 58
Views: 5239

Re: Am I less protected with chip-and-signature?

Have been using the C&S card at Walmart for awhile, and just recently a couple more merchants started using it: one was Bestbuy and the other I can't remember. At the latter, the thing wouldn't work and the clerk kept telling me to "push until you feel a click". Then she finally did it and I heard a...
by Browser
Fri Sep 18, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 7880

Re: Talk me off the Ledge

Well, not every guru is a stockbug: For one thing, bonds do not need high starting yields to outperform stocks if inflation is lower than expected. For another, the historical average returns that so many rely on as guides to the future are misleading. In a nutshell, the double-digit returns stocks ...
by Browser
Fri Sep 18, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: Talk me off the Ledge
Replies: 73
Views: 7880

Re: Talk me off the Ledge

We diversify because we don't know the future. Has that now changed because bonds have low yields?
by Browser
Thu Sep 17, 2015 6:54 pm
Forum: Investing - Theory, News & General
Topic: Time Series Momentum (TSMOM) calculation?
Replies: 1
Views: 700

Time Series Momentum (TSMOM) calculation?

Is anyone familiar with this concept and how to calculate TSMOM for a given asset based on returns?
by Browser
Thu Sep 17, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 81
Views: 25897

Re: Does anyone like the new Toyota/Lexus grilles?

Graffiti seen on a bathroom wall:

"I like grils"

"That's girls, stupid!"

"What about us grils?"
by Browser
Thu Sep 17, 2015 8:57 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 33619

Re: Aren't we overdoing electronic auto safety features?

Haven't changed my original opinion that current safety electronics are unnecessary at best. Lane keeping assist is an un-needed nuisance; auto-braking crash mitigation actually scares me because I'd be worried the thing would malfunction and brake my car unexpectedly while I'm tooling along at 70 m...
by Browser
Thu Sep 17, 2015 8:47 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 81
Views: 25897

Re: Does anyone like the new Toyota/Lexus grilles?

I'll agree that it seems to be the Japanese brands that have the ugliest styling these days. Europeans are the best-looking and U.S. brands are pretty good too. But Toyota is in an ugly class of it's own nowadays.
by Browser
Thu Sep 17, 2015 8:16 am
Forum: Personal Consumer Issues
Topic: Does anyone like the new Toyota/Lexus grilles?
Replies: 81
Views: 25897

Re: Does anyone like the new Toyota/Lexus grilles?

Over time since I first posted this thread, I've become even more turned off by Toyota/Lexus styling especially the grilles. Off my list.
by Browser
Thu Sep 17, 2015 8:03 am
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 263
Views: 33619

Re: Aren't we overdoing electronic auto safety features?

Don't understand the fascination with adaptive cruise control. Unless your normal driving style is to insist on a 5-foot distance behind the vehicle ahead you don't need it. I generally allow a good distance between my vehicle and the one ahead when driving in traffic. Never seem to have a problem. ...
by Browser
Sun Sep 13, 2015 9:38 am
Forum: Investing - Theory, News & General
Topic: The random road to portfolio returns over your lifetime
Replies: 10
Views: 1378

The random road to portfolio returns over your lifetime

Investors typically have 20 years or so when they are putting most of their hard-earned shekels into their retirement portfolios. Each of us gets to experience just one 20-year period of investment returns, and as this chart from fool.com illustrates there has been quite a range of possible 20-year ...
by Browser
Sat Sep 12, 2015 8:45 am
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Re: Poor man's auto navigation system?

I'm trying out a Garmin with Traffic. There appears to be 3 versions of traffic you can use with a Garmin. First there's Garmin Traffic that comes with a Garmin so-equipped. Second, there's HD Digital Traffic which requires a cable with an HD receiver incorporated that updates traffic every 30 secon...
by Browser
Fri Sep 11, 2015 8:44 am
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Re: Poor man's auto navigation system?

Far as I can tell, in addition to the cost of adding an in-car nav you have to shell out $150 or more each year to update your map with a DVD. A stand-alone Garmin would have free lifetime map updates (if you purchase an LM model) and of course your smartphone map app has free continuous updates. I ...
by Browser
Thu Sep 10, 2015 4:52 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Re: Poor man's auto navigation system?

I understand that there is a Garmin app that will let you link your smartphone to your Garmin and receive continuously updated traffic if you have a Garmin with traffic. Is this correct? Has anybody used this and how well does it work?
by Browser
Thu Sep 10, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Third in the series on Pascal's Wager
Replies: 12
Views: 2383

Re: Third in the series on Pascal's Wager

Larry - Question pertaining to this quote from the article: Even with deflation, as long as you bought the TIPS without any accumulated inflation adjustment, they should do at least as well as inflation because TIPS mature at par. I believe I understand this to mean that when a TIP has accumulated i...
by Browser
Tue Sep 08, 2015 12:15 pm
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Re: Poor man's auto navigation system?

Shows accidents, road construction zones, traffic, etc. You don't get that with a Garmin. You do get that with a Garmin. I use both the phone with Google maps and the Garmin. With the phone I'm always afraid to lose reception and navigation when I need it the most. Well, I think you can store offli...
by Browser
Tue Sep 08, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Re: Poor man's auto navigation system?

One advantage of using Google Maps is that it is up-to-date in real time. Shows accidents, road construction zones, traffic, etc. You don't get that with a Garmin. I think you can get some of that same functionality on some built-in car navs but you have to subscribe to Sirius or something to have i...
by Browser
Tue Sep 08, 2015 10:44 am
Forum: Personal Consumer Issues
Topic: Poor man's auto navigation system?
Replies: 86
Views: 7971

Poor man's auto navigation system?

With the imminent appearance of CarPlay and Android Auto in the auto nav space, people will essentially be connecting their smartphones to their Nav screen in the car and using Google Maps or Apple Maps to navigate. I was wondering - why pay $1K or more for a built-in screen in your car for that fun...
by Browser
Tue Sep 08, 2015 10:30 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3802

Re: What are the most viewed threads ever?

The most viewed threads have at least a dozen about the best credit cards. I didn't add them up, but if they were one thread, best credit cards might be the top most viewed thread even better than Harry Browne. So a new thread: Harry Browne's Permanent Portfolio Best Credit Cards Cashback? I think ...
by Browser
Tue Sep 08, 2015 8:32 am
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3802

Re: What are the most viewed threads ever?

Thanks for the info. Just what I was looking for. It looks like the winner is:

"Updated Modification of Harry Browne Permanent Portfolio" with 1,290,534 views.
by Browser
Mon Sep 07, 2015 10:51 pm
Forum: Investing - Theory, News & General
Topic: Is this a bad time to enter the stock market? (For a Roth IRA)
Replies: 33
Views: 3215

Re: Is this a bad time to enter the stock market? (For a Roth IRA)

As they say, it's not as important when you enter the stock market as when you exit the stock market. Consider the case of Investor Bob. Poor Investor Bob only put money into stocks right before the market crashes in 1973, 1987, 2000, and 2007. Today, Investor Bob's annualized returns have been abou...
by Browser
Mon Sep 07, 2015 10:08 pm
Forum: Forum Issues and Administration
Topic: What are the most viewed threads ever?
Replies: 25
Views: 3802

What are the most viewed threads ever?

Is there any way to know which are the most viewed threads on the forum of all time? Might be interesting see the Top Ten or something like that. Just curious.
by Browser
Mon Sep 07, 2015 2:31 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

And, if you die, there is nothing left.
Quite true. :( I was hoping I'd be left, but that's probably hoping for too much.
by Browser
Mon Sep 07, 2015 2:13 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: "if you don't own gold you don't know history or economics"
Replies: 22
Views: 2834

Re: Ray Dalio: "if you don't own gold you don't know history or economics"

Gold may be "money" or a "currency". But it's certainly not a very good one. Money serves three primary purposes: Store of value - Gold fluctuates in price about as much as the stock market. That's a terrible store of value for any period less than 30+ years. Over a time period of 10,000 years gold...
by Browser
Mon Sep 07, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: Ray Dalio: "if you don't own gold you don't know history or economics"
Replies: 22
Views: 2834

Re: Ray Dalio: "if you don't own gold you don't know history or economics"

As to Dalio's All Weather Portfolio owning gold, I don't see the point. Gold is not an investment "asset" in the usual sense. He seems to view gold as an alternative to "cash"; i.e., fiat currency. Elsewhere he states that over the long run gold will give you the same return as "cash", and he says i...
by Browser
Mon Sep 07, 2015 11:38 am
Forum: Investing - Theory, News & General
Topic: Ray Dalio: "if you don't own gold you don't know history or economics"
Replies: 22
Views: 2834

Ray Dalio: "if you don't own gold you don't know history or economics"

Dalio believes it's a real mistake NOT to own some gold in your portfolio, but I don't think he's a goldbug. Anyway, some might be interested in what he has to say.

https://www.youtube.com/watch?v=nS4x0LuSoIs
by Browser
Mon Sep 07, 2015 9:08 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

cfs wrote:Reality check time

At times the US Market will go Up

At times the US Market will go Down

At times the US Market will go Sideways

. . . And that's the way it its . . .
Is this your prediction? :confused
by Browser
Mon Sep 07, 2015 9:07 am
Forum: Investing - Theory, News & General
Topic: Is this a bad time to enter the stock market? (For a Roth IRA)
Replies: 33
Views: 3215

Re: Is this a bad time to enter the stock market?

In order to determine if this is a bad time to enter the market, you have to determine when there has been a good time to enter the market that was known at the time the market was entered (ex ante, not ex post). Then you can compare the present time to that time and you'll have your answer.
by Browser
Mon Sep 07, 2015 9:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

I predict that the market will go down by 50% sometime between now and 2025. Wait. Are you sticking by your last prediction? A -49% loss from the 2,134.72 high before we get back to 2,134.72. This is my back up prediction. As a talking head, I want to be sure I've predicted something that I can poi...
by Browser
Mon Sep 07, 2015 8:59 am
Forum: Investing - Theory, News & General
Topic: Do market "crashes" always correspond with high stock valuations?
Replies: 10
Views: 1867

Do market "crashes" always correspond with high stock valuations?

Got to wondering about historical market "crashes" and whether they all started in times when stocks valuations were unusually high and ended with low stock valuations. I define a "crash" as a drawdown of roughly 30% or more. On an year-by-year basis since 1972, there seems to be a mixed record. The...
by Browser
Mon Sep 07, 2015 8:18 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

I predict that the market will go down by 50% sometime between now and 2025.
by Browser
Mon Sep 07, 2015 8:16 am
Forum: Investing - Theory, News & General
Topic: Shiller: He's anxious about the next bubble
Replies: 91
Views: 10081

Re: Shiller: He's anxious about the next bubble

I often see bubbles in random cloud formations. So far though, no-one has offered me a Nobel Prize. :(
by Browser
Mon Sep 07, 2015 8:07 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 22811

Re: New SUV, $50G, Pilot/Highlander/Other

Well, it could have been 2 or 3 inches high. I had the same suspension problem with a Honda Accord coupe that I owned a few years ago. Really liked the car but just couldn't stand the hard ride over rough or uneven pavement. Finally traded the thing off because of that way sooner then I usually like...
by Browser
Sun Sep 06, 2015 10:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

Asia is down. How it trades today will tell the tale for Tuesday's U.S. market.
by Browser
Sun Sep 06, 2015 9:54 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

Tuesday morning ought to be a fun day. When they sell off going into a holiday weekend there are some weak hands at the helm, so I'm betting they'll be primed to bail if the market sells off at the open.
by Browser
Sun Sep 06, 2015 9:51 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 22811

Re: New SUV, $50G, Pilot/Highlander/Other

I'm afraid the XC-60 failed my crummy test road evaluation. When I feel like I'm doing a bad imitation of a bobble-head while driving that's the tip-off. But what really did it was when I took a quick left into the dealer lot and there was a little ledge I had to go up and over that was about an inc...
by Browser
Sun Sep 06, 2015 9:00 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 22811

Re: New SUV, $50G, Pilot/Highlander/Other

Yeh, I really liked the XC60 except for that ride. If I were younger it wouldn't have factored in. From what I can tell, the 2017 XC60 will be even sportier, moving toward Audi and BMW, so the ride probably won't be much different. I'll bet it will be a pretty nice vehicle though.
by Browser
Sat Sep 05, 2015 3:50 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

While granted I was a newbie investor back in 2008 - 2009 - I recall feeling that there could be massive bank failures and complete collapse of the financial system was possible. This correction simply doesn't feel as ominous to me - so I will continue to buy equities little bit at a time. We shall...
by Browser
Sat Sep 05, 2015 3:05 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

While granted I was a newbie investor back in 2008 - 2009 - I recall feeling that there could be massive bank failures and complete collapse of the financial system was possible. This correction simply doesn't feel as ominous to me - so I will continue to buy equities little bit at a time. We shall...
by Browser
Sat Sep 05, 2015 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: Moving from Canada to California with substantial RRSPs
Replies: 23
Views: 2180

Re: Moving from Canada to California with substantial RRSPs

I cannot understand why California thinks it can tax your RRSP. Are you a Canadian citizen who intends to remain a Canadian citizen? If so, do you not pay tax to the Canadian government? When I was in the reverse situation (an American citizen living and working in Canada), I had to file and pay tax...
by Browser
Sat Sep 05, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 22811

Re: New SUV, $50G, Pilot/Highlander/Other

Volvo has a "European" ride. Tends more toward better handling and cornering but rather harsh on bumpy roads. When I test drove the 2016 XC-60 I lost a kidney on the pretty rough street that I use to give vehicles the acid test. Drove a 2015.5 last summer and was hoping the 2016 had an improved ride...
by Browser
Sat Sep 05, 2015 10:33 am
Forum: Personal Consumer Issues
Topic: How to avoid losing a cell phone
Replies: 57
Views: 4740

Re: How to avoid losing a cell phone

You could just have your cellphone implanted in your body somewhere, and that way it would be with you 24/7 whatever you are doing. And -- you can facebook everyone instantly to keep them updated on your every move.
by Browser
Sat Sep 05, 2015 10:29 am
Forum: Investing - Theory, News & General
Topic: Bill Gross: cash is your best investment right now
Replies: 63
Views: 10225

Re: Bill Gross: cash is your best investment right now

Can you remind me again why I should pay attention to him? his net worth according to forbes is 2.3 billion. he's doing something right. Yes, but nobody can predict the direction of interest rates or near-term direction of the stock or bond markets. That is not true. If half the people are predicti...
by Browser
Sat Sep 05, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: New SUV, $50G, Pilot/Highlander/Other
Replies: 146
Views: 22811

Re: New SUV, $50G, Pilot/Highlander/Other

The more I've shopped SUVs in the same price range, the more I'm coming to believe this is true: Let’s be clearheaded: As much as car companies would like you to believe the products and brands are all different and special, they are, functionally, mostly not, at least insofar as most consumers woul...
by Browser
Fri Sep 04, 2015 1:32 pm
Forum: Investing - Theory, News & General
Topic: Beware of the Death Cross
Replies: 17
Views: 3594

Re: Beware of the Death Cross

Had another thread like this way back.

viewtopic.php?f=10&t=57434
by Browser
Fri Sep 04, 2015 1:30 pm
Forum: Personal Consumer Issues
Topic: How to avoid losing a cell phone
Replies: 57
Views: 4740

Re: How to avoid losing a cell phone

Need an app that chirps at you whenever you cell phone falls out of your pants. :D
by Browser
Fri Sep 04, 2015 1:27 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 6550
Views: 1405507

Re: U.S. stocks in freefall

flyingaway wrote:I have been waiting for this thread to get revived so that I can do some buying.
Always good to buy on dips. A time-proven strategy.
by Browser
Fri Sep 04, 2015 12:52 pm
Forum: Investing - Theory, News & General
Topic: Article: The Argument About Time Diversification
Replies: 8
Views: 983

Re: Article: The Argument About Time Diversification

Heads you win $1,200, tails you lose $1,000. Perhaps you would accept that bet; perhaps you would not. If the offer is extended so that it becomes that gamble repeated 800 times, with no money being exchanged until all the gambles are completed, you would have a 99.99999% chance of landing in the b...
by Browser
Fri Sep 04, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross: cash is your best investment right now
Replies: 63
Views: 10225

Re: Bill Gross: cash is your best investment right now

Why anybody thinks that it's possible to get a higher return from ST corporates than from cash without assuming commensurately higher risk completely eludes me.
by Browser
Fri Sep 04, 2015 11:57 am
Forum: Investing - Theory, News & General
Topic: Article: The Argument About Time Diversification
Replies: 8
Views: 983

Re: Article: The Argument About Time Diversification

Heads you win $1,200, tails you lose $1,000. Perhaps you would accept that bet; perhaps you would not. If the offer is extended so that it becomes that gamble repeated 800 times, with no money being exchanged until all the gambles are completed, you would have a 99.99999% chance of landing in the b...
by Browser
Fri Sep 04, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Article: The Argument About Time Diversification
Replies: 8
Views: 983

Re: Article: The Argument About Time Diversification

All I can say is that if Paul Samuelson were around to respond to Rekanthaler he wouldn't agree with his conclusion. Despite the very low joint probability of losing after a long series of bets, the amount you could lose would be astronomical. Expected utility is exactly the same as for a single bet...