Search found 39 matches

by Starting From Scratch
Thu Mar 18, 2021 6:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard 2021 ExDiv. Fund Schedule?
Replies: 19
Views: 1913

Re: Vanguard March 2021 mutual fund distribution dates?

Yeah, I’ve been keeping an eye out for it too. The website is horrendously awful now. I was able to eventually find this (link below) on the Institutional Investors side and if I read the third paragraph correctly, we are on our own to look specifically at the fund profiles over those six listed dat...
by Starting From Scratch
Fri Jan 22, 2021 7:15 am
Forum: Personal Consumer Issues
Topic: Anyone have the new Apple M1 MacBook?
Replies: 28
Views: 2938

Re: Anyone have the new Apple M1 MacBook?

To answer your other question, I use ‘Numbers’ (Apple’s spreadsheet) fairly extensively for personal use and it has allowed me to avoid paying for an Excel license. Straightforward, intuitive UI that syncs seamlessly across Apple devices. That said, it is fine, even better for normal consumer usage...
by Starting From Scratch
Wed Jan 13, 2021 12:32 pm
Forum: Personal Consumer Issues
Topic: Wall Street Journal New Year's Deal
Replies: 8
Views: 917

Re: Wall Street Journal New Year's Deal

Did a very similar WSJ deal a year ago or so. When I went to cancel my subscription at the end of the promotion period, I found they won't let you cancel electronically (through the app or online). They make you call. And sit on hold. And talk to someone and explain. Yeah, it was only about 20 minu...
by Starting From Scratch
Wed Jan 13, 2021 11:02 am
Forum: Personal Consumer Issues
Topic: Cloud storage services recommendation.
Replies: 18
Views: 1038

Re: Cloud storage services recommendation.

Checkout sync.com, end-to-end encryption:

https://www.sync.com/
by Starting From Scratch
Thu Dec 31, 2020 12:42 pm
Forum: Personal Consumer Issues
Topic: "Better" webcam for Mac, under $100?
Replies: 3
Views: 370

Re: "Better" webcam for Mac, under $100?

If you have an iPhone or iPad, highly recommend checking out Camo...

https://reincubate.com/camo/

https://apps.apple.com/app/reincubate-camo/id1514199064

Currently running a special holiday price for the Pro but free option available.
by Starting From Scratch
Thu Dec 31, 2020 11:07 am
Forum: Personal Consumer Issues
Topic: Monitor For a Mac Mini
Replies: 23
Views: 1777

Re: Monitor For a Mac Mini

LifeIsGood wrote: Thu Dec 31, 2020 7:59 am Maybe I'll just cool my jets and wait patiently for the M1 iMac.
Good decision, I think you'll be very glad you waited.
by Starting From Scratch
Wed Dec 30, 2020 6:47 am
Forum: Personal Consumer Issues
Topic: Monitor For a Mac Mini
Replies: 23
Views: 1777

Re: Monitor For a Mac Mini

stimulacra wrote: Tue Dec 29, 2020 7:56 pm LG Ultrafine 4k and 5k were designed specifically for Apple. Pretty decent 1080 camera,
I have tried to verify the camera specs but have not been able to confirm. Even LG's website doesn't list it anywhere.

If it was me (which I'm doing) and you can, I'd wait about 6 months.
by Starting From Scratch
Wed Dec 30, 2020 6:35 am
Forum: Personal Consumer Issues
Topic: Thoughts on iPhone 12? (replacing iPhone 6)
Replies: 62
Views: 4894

Re: Thoughts on iPhone 12? (replacing iPhone 6)

I also just went from iPhone 6 to iPhone 12 Mini. Love it, very pleased!
by Starting From Scratch
Mon Dec 28, 2020 7:20 am
Forum: Personal Consumer Issues
Topic: Feedback on Apple Pro XDR Display
Replies: 4
Views: 556

Re: Feedback on Apple Pro XDR Display

I honestly took a look and then quickly closed my browser. $5,998.00 (pre-tax and including Pro stand) for a monitor with old tech? NOPE! Yes, there is 1 Thunderbolt 3 port but the other 3 USB-C ports are USB 2.0 standard unless you are using MacBook Pro 16” which even then is only USB 3.1 Gen 1. La...
by Starting From Scratch
Wed Jan 29, 2020 1:18 pm
Forum: Personal Consumer Issues
Topic: Cybersecurity and passwords
Replies: 167
Views: 12916

Re: Cybersecurity and passwords

Afty wrote: Wed Jan 29, 2020 12:12 pm and no good iOS app (to my knowledge).
Not true, checkout KeePassium and Strongbox.

KeePassium:
https://keepassium.com/
https://apps.apple.com/us/app/id1435127111

Strongbox:
https://strongboxsafe.com/
https://apps.apple.com/us/app/strongbox ... d897283731
by Starting From Scratch
Wed Jun 13, 2018 4:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard - You'll need to sign up for security codes soon
Replies: 189
Views: 29390

Re: Vaguard - You'll need to sign up for security codes soon

Vanguard needs to really add TOTP software security tokens instead of just SMS. +1 Vanguard needs to support TOTP, and they need to disallow bypassing a security key with SMS. YES! YES! YES! PLEASE Vanguard! I've written to Vanguard months ago requesting they move to using TOTP and removing SMS. I ...
by Starting From Scratch
Thu Nov 02, 2017 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 9880

Re: Unable to Escape from Quicken Island ...

I have escaped. After trying a few alternatives, migrated to Moneydance. Not perfect; but there's a lot of untapped power under the hood, and the price is fair. I especially like the extensions capabilities. -- Tet In the attempt to find a Quicken replacement, I’ve been using Mondance for about a w...
by Starting From Scratch
Thu Oct 05, 2017 7:57 am
Forum: Personal Investments
Topic: Urge Vanguard to support better two-factor authentication
Replies: 108
Views: 10948

Re: Urge Vanguard to support better two-factor authentication

This is very important and urge everyone to reach out to Vanguard to improve 2FA, moving away from SMS text and implementing 2FA via Time-based One-time Password Algorithm (TOTP) and HMAC-based One-time Password Algorithm (HOTP) with Google Authenticator or any other authenticator of your choice. I ...
by Starting From Scratch
Sat Aug 05, 2017 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken's future direction - a cause for concern
Replies: 516
Views: 90383

Re: Quicken's future direction - a cause for concern

sketchy9 wrote:I've tried everything else-- nothing does what Quicken does, as well as it does.
Unfortunately, this has been my experience as well.
by Starting From Scratch
Fri Aug 04, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4351

Re: LastPass Premium price increasing

Generator515 wrote:
Jeff Albertson wrote:You knew this would happen when Logmein bought Lastpass a couple of years ago for $110 million.
In fairness since they bought it they made most of the premium features free.
True. Everyone is moving to the subscription based business model and I wonder how long free will last.
by Starting From Scratch
Fri Aug 04, 2017 7:40 am
Forum: Personal Consumer Issues
Topic: LastPass Premium price increasing
Replies: 32
Views: 4351

Re: LastPass Premium price increasing

penumbra wrote:
runner3081 wrote:Well, now that they give you the mobile app in their "free" service, I just don't see a need for premium.
+1. The free service works just fine, including 2 factor authentication. Not sure of the value of the paid version.
Concur. No value in premium.
by Starting From Scratch
Thu Jul 13, 2017 7:00 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 2144

Re: Best way to buy a iPAD

catdude wrote:.Check B&H Photo Video. They had a sale recently on iPads and I got the local Best Buy to match their price on a Mini 4.
Plus, B&H Photo Video doesn't charge sales tax for shoppers outside New York and New Jersey.
by Starting From Scratch
Tue May 16, 2017 9:54 am
Forum: Personal Consumer Issues
Topic: Adblockers
Replies: 14
Views: 2155

Re: Adblockers

Highly recommend 1Blocker for Mac/iOS.

https://1blocker.com/
by Starting From Scratch
Mon Mar 27, 2017 5:21 pm
Forum: Personal Consumer Issues
Topic: Virtual Private Networks (VPNs)
Replies: 158
Views: 22316

Re: Virtual Private Networks (VPNs)

This site may be helpful when comparing VPN services...

https://thatoneprivacysite.net/vpn-section/
by Starting From Scratch
Fri Mar 10, 2017 1:17 pm
Forum: Personal Consumer Issues
Topic: What to do with all these passwords ?
Replies: 125
Views: 20540

Re: What to do with all these passwords ?

LastPass or KeePass. Both are great.
by Starting From Scratch
Fri Nov 04, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: TrueCrypt Alternative
Replies: 15
Views: 2999

Re: TrueCrypt Alternative

VeraCrypt
by Starting From Scratch
Fri Oct 07, 2016 6:47 am
Forum: Personal Consumer Issues
Topic: 1Password on iOS
Replies: 13
Views: 2002

Re: 1Password on iOS

LastPass w/2-Factor Auth
by Starting From Scratch
Mon Jun 27, 2016 12:32 pm
Forum: Personal Consumer Issues
Topic: Recommend Ad Blockers
Replies: 56
Views: 7056

Re: Recommend Ad Blockers

For PCs: uBlock Origin and getting away from IE.

For Macs & iOS: 1Blocker
by Starting From Scratch
Mon Jan 04, 2016 2:42 pm
Forum: Personal Consumer Issues
Topic: VPN Service, personal. suggestions.
Replies: 23
Views: 3411

Re: VPN Service, personal. suggestions.

I use and would recommend Private Tunnel...

https://www.privatetunnel.com/home/

Pricing structure is great! Basically, pay for what you use vs monthly (or yearly) fee.
by Starting From Scratch
Mon Jan 04, 2016 12:46 pm
Forum: Personal Consumer Issues
Topic: WSJ having New Year subscription sale today
Replies: 2
Views: 778

Re: WSJ having New Year subscription sale today

Why subscribe when you can Google the article and get it for free??
by Starting From Scratch
Fri Oct 23, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 75
Views: 8569

Re: Password Management

1Password fans and users, I would encourage you to read the transcript from the latest Security Now! podcast, #530. Specifically, starting at the bottom of page 19 through three-quarters of page 21 of the pdf (https://www.grc.com/securitynow.htm) for detail but the executive summary from Steve Gibso...
by Starting From Scratch
Sat Oct 10, 2015 7:31 am
Forum: Personal Consumer Issues
Topic: LogMeIn to acquire LastPass
Replies: 46
Views: 4757

Re: LogMeIn to acquire LastPass

Anyone know about or use Encryptr (link below) as an alternative? I know a lot of people use and like Keepass but from what I understand, KeePass is desktop only.?

https://encryptr.org/
by Starting From Scratch
Thu Oct 08, 2015 6:59 am
Forum: Personal Consumer Issues
Topic: TrueCrypt possibly compromised/unsafe to use.
Replies: 72
Views: 13290

Re: TrueCrypt possibly compromised/unsafe to use.

You should listen to the latest podcast (#528, Oct 6) before doing so. Steve has changed to waiting a bit longer.
by Starting From Scratch
Sat Jun 28, 2014 5:44 am
Forum: Personal Consumer Issues
Topic: N+ Routers
Replies: 27
Views: 2581

Re: N+ Routers

I would highly recommend the Netgear R7000 with third-party DD-WRT firmware (Specifically, KONG build 24345M). Fast, stable, secure and configurable.
by Starting From Scratch
Sun Feb 16, 2014 7:30 am
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 17654

Re: best tips for passwords?

+1 for LastPass and TrueCrypt!
by Starting From Scratch
Sat Jan 18, 2014 6:39 am
Forum: Personal Investments
Topic: Is my return correct?
Replies: 6
Views: 1063

Re: Is my return correct?

Also, XIRR is an annualized number so data less than 12 months would need to be adjusted. In this case, I get 19.40%. Correct?
by Starting From Scratch
Wed Dec 04, 2013 7:36 pm
Forum: US Chapters
Topic: Louisville, Ky. chapter
Replies: 40
Views: 4991

Re: Louisville, Ky. chapter

I would be interested in joining.
by Starting From Scratch
Thu Aug 22, 2013 2:53 pm
Forum: Investing - Theory, News & General
Topic: The Basics of Factor Investing
Replies: 19
Views: 2511

Re: The Basics of Factor Investing

In your article you mention a pricing model that compares cost per using of factor risk. Could you elaborate on this and give a calculated example? Maybe using PXSV (Invesco PowerShares Fundamental Pure Small Value) vs IJS (S&P 600 Value) since PXSV has been receiving some airtime recently. Is i...
by Starting From Scratch
Thu Aug 01, 2013 8:57 am
Forum: Investing - Theory, News & General
Topic: RAFI Fundamental Indexes(FI) vs. Russell FIs
Replies: 41
Views: 4483

Re: RAFI Fundamental Indexes(FI) vs. Russell FIs

Ah! Forgot about the index change, makes sense now.

Thanks to all!

It will be interesting to see if the fee waiver continues past Aug 31.
by Starting From Scratch
Thu Aug 01, 2013 7:46 am
Forum: Investing - Theory, News & General
Topic: RAFI Fundamental Indexes(FI) vs. Russell FIs
Replies: 41
Views: 4483

Re: RAFI Fundamental Indexes(FI) vs. Russell FIs

How can PXSV have 100% QDI for 2012 (according to InvescoPowershare) when 5% of portfolio is in real estate (according to M*)? Also, turnover is high, relative to IJS. PXSV 2006: 118 2007: 86 2008: 98 2009: 86 2010: 116 2011: 90 2012: 109 YTD: 31 IJS 2008: 23 2009: 34 2010: 52 2011: 31 2012: 30 YTD:...
by Starting From Scratch
Tue Dec 28, 2010 12:05 pm
Forum: Personal Investments
Topic: Tax-Managed vs. Non Tax-Managed Funds
Replies: 2
Views: 556

Tax-Managed vs. Non Tax-Managed Funds

I must be missing something. When comparing after-tax returns of Vanguard Small-Cap Value Index (VISVX) to the Tax-Manged Small-Cap Fund (VTMSX) for a taxable account, it makes me question the purpose of tax-managed funds. Average annual total return—after taxes on distributions (VISVX) (VTMSX) 1-ye...
by Starting From Scratch
Sun Jul 26, 2009 7:24 am
Forum: Personal Investments
Topic: What's the TSM 500/small&med.: 80/20 or 70/30?
Replies: 13
Views: 2812

Why would someone not allocate 40% VFINX, 20% VIMSX and 40% NAESX in order to achieve equal weightings (as much as possible) within the style box? With 71% allocated to Large-Cap for TSM seems to me you are missing out on mid and small-caps which would not be the total market. Allocating into the 3 ...