Search found 1165 matches

by Tortoise
Tue Sep 17, 2019 3:24 am
Forum: Other Discussions
Topic: Service economy inspires crappy design
Replies: 24
Views: 908

Re: Service economy inspires crappy design

Aerodynamics are an important part of fuel efficiency, but if you drastically reduce maintenance costs with a simplified, standardized, modular design it might be worth losing some aerodynamics. Worth it to the car companies? How would they profit from easier maintenance? The service center mechani...
by Tortoise
Mon Sep 16, 2019 3:28 pm
Forum: Other Discussions
Topic: Service economy inspires crappy design
Replies: 24
Views: 908

Re: Service economy inspires crappy design

I'm guessing that the lack of ease in home maintenance is a trade off the car companies make in order to achieve optimized aerodynamics and weight. That would help explain why back when people worked on their own cars, they were landboats. And some of those landboats looked really cool! Aerodynamic...
by Tortoise
Sat Sep 14, 2019 4:55 pm
Forum: Other Discussions
Topic: Service economy inspires crappy design
Replies: 24
Views: 908

Re: Service economy inspires crappy design

Xan wrote:
Sat Sep 14, 2019 3:15 pm
Sounds great to me. Would it be legal?
Sure, why wouldn’t it be?
by Tortoise
Sat Sep 14, 2019 3:08 pm
Forum: Other Discussions
Topic: Service economy inspires crappy design
Replies: 24
Views: 908

Re: Service economy inspires crappy design

I agree, doodle, and the maintenance costs are climbing even higher as more and more expensive electronic parts and computers are added to modern cars and trucks. An automobile design focused on simplicity and ease of maintenance does seem like an untapped niche market. It would be great not only fo...
by Tortoise
Fri Sep 13, 2019 6:02 pm
Forum: Permanent Portfolio Discussion
Topic: Indexing overtakes Active Investing
Replies: 4
Views: 405

Re: Indexing overtakes Active Investing

Don’t forget that even if all investors were 100% indexed someday, a bunch of them would still actively trade their index funds by trying to time the market. Index investing and passive investing aren’t necessarily the same thing. It’s possible to actively invest in passive (index) funds and passive...
by Tortoise
Wed Sep 11, 2019 3:14 pm
Forum: Permanent Portfolio Discussion
Topic: How many brokerage firms are you using?
Replies: 40
Views: 2002

Re: How many brokerage firms are you using?

To just get started, I am thinking of fulfilling as much of the Permanent Portfolio investing through my present Vanguard accounts. Then later I may transfer some of the investments to Fidelity. But to just immediately become a full fledged Level 4 Permanent Portfolio investor seems too consuming. ...
by Tortoise
Wed Sep 11, 2019 2:52 pm
Forum: Gold
Topic: Better to hold two gold funds?
Replies: 6
Views: 1584

Re: Better to hold two gold funds?

I use IAU and SGOL.
by Tortoise
Wed Aug 14, 2019 6:24 pm
Forum: Bonds
Topic: The Bond Dream Room
Replies: 458
Views: 115745

Re: The Bond Dream Room

Since 2010 when I started investing in the 4x25 PP, long-term Treasuries have been the most surprising asset by far. It’s my least favorite PP asset that’s always the hardest for me to buy, but it keeps surprising me by swooping in to buoy the portfolio at unexpected times. It seems to perform the b...
by Tortoise
Wed Aug 14, 2019 6:07 pm
Forum: Permanent Portfolio Discussion
Topic: I'm feeling some paralysis about new money
Replies: 27
Views: 9586

Re: I'm feeling some paralysis about new money

I understand your hesitation, ds. A few months ago I realized that I was very overweight in cash in my taxable accounts, so I closed my eyes, clenched my fists, and bought a bunch of stocks, bonds, and gold on the same day to bring everything to a 4x25 PP. Pulling the trigger was tough, but I’m glad...
by Tortoise
Thu Aug 01, 2019 8:54 pm
Forum: Other Discussions
Topic: Data Breach Omnibus Thread
Replies: 28
Views: 4360

Re: Data Breach Omnibus Thread

You know what’s funny, though? All the stuff that is a pain in the butt for law-abiding citizens is a walk in the park for slick criminals. My folks were asked to bring in paperwork no fewer than three times to renew their drivers’ licenses, but the crook got a copy of my dad’s just like that. Prob...
by Tortoise
Thu Aug 01, 2019 6:19 pm
Forum: Other Discussions
Topic: Data Breach Omnibus Thread
Replies: 28
Views: 4360

Re: Data Breach Omnibus Thread

I have to file my Federal tax returns using an annually-provisioned IRS PIN. Read this . No one can steal my refund. Do you know if anyone using an IRS PIN has still gotten their refund stolen? If not, that sounds promising. There’s probably still a way for a determined thief to “recover a lost IRS...
by Tortoise
Wed Jul 31, 2019 10:32 pm
Forum: Other Discussions
Topic: Data Breach Omnibus Thread
Replies: 28
Views: 4360

Re: Data Breach Omnibus Thread

dualstow wrote:
Wed Jul 31, 2019 5:42 pm
...and one of my cards was hacked. That was fast. Could just be plain vanilla fraud and not part of the breach, but...I tend to think it's part of it.
“What’s in your wallet?”

Someone else’s Capital One card! >:D