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Re: Proof vinyl has higher music ceiling than mp3?

Edison cylinder records have a higher dynamic range than vinyl, because they are recorded in the hill-and-dale direction and allow unlimited excursion without any adjacent groove interference. And they have a cleaner, purer, warmer sound because they are totally acoustic from start to finish, withou...
by nisiprius
Fri Apr 17, 2015 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 35
Views: 2230

Re: Proof vinyl has higher music ceiling than mp3?

Why are you comparing vinyl to mp3, when mp3 is significantly lossy? (MP3 is explicitly designed to throw away that part of the music that it is assumed you cannot hear). The debate is usually vinyl vs a lossless digital format, such as what is on CDs. Everything is lossy. For some reason people fi...
by nisiprius
Fri Apr 17, 2015 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 35
Views: 2230

Re: M* Article today 4/17 on ATT's shaky dividend

Not sure who is saying what, but I believe the shares would be held at "Computershare," not "Comp-U-Serve."

(I remember Compuserve Information Service--"affectionately," CI$--with a mixture of feelings, mostly good).
by nisiprius
Fri Apr 17, 2015 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: M* Article today 4/17 on ATT's shaky dividend
Replies: 12
Views: 963

Re: Abbreviation: "OP"[? = "Original Poster"]

FUNEM? VFM. FUNEX? VFX. OKMNX.
by nisiprius
Fri Apr 17, 2015 12:13 pm
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1065

Re: Abbreviation: "OP"

http://www.google.com makes one smart, but read this about that: http://www.telegraph.co.uk/news/science/science-news/11507200/Google-makes-people-think-they-are-smarter-than-they-are.html Interesting article. By the way, what does "how does a zip work" mean? Google finds me explanations ...
by nisiprius
Fri Apr 17, 2015 6:24 am
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1065

Re: Abbreviation: "OP"

When I am not being lazy, I try to avoid that abbreviation, and use the actual screen name of the original poster. It's not that hard. Generally speaking... personally... I often fail to review previous postings in a thread as carefully as I should, but I at least do try to read the original post. I...
by nisiprius
Fri Apr 17, 2015 6:19 am
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1065

Re: yea or nay to 5 years CDs

...From my phone call with Ally, they will ask for a "reason" why breaking the account but will not deny my ability to do so based on that reason. I remain skeptical as always but we'll have to see how that plays out... The problem is that the terms and conditions probably could change. T...
by nisiprius
Thu Apr 16, 2015 3:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2267

Re: yea or nay to 5 years CDs

For the last fifteen years, I've been trying to cut down on the number of different financial institutions I use. It is an amazingly difficult struggle. It's two steps forward, one step back; the last step back occurred when the Treasury discontinues paper I bonds and I "needed" to add a T...
by nisiprius
Thu Apr 16, 2015 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: yea or nay to 5 years CDs
Replies: 21
Views: 2267

Re: Proof vinyl has higher music ceiling than mp3?

The best analog sound system I ever listened to belonged to two brothers who were purists. It was installed in a specially built, acoustically treated room of their house. It had a 16" transcription turntable with the longest tone arm I've ever seen (to minimize tracking error). I believe the t...
by nisiprius
Thu Apr 16, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 35
Views: 2230

Re: Humorous Investing are Videos are Back Up!

I'm glad to see them back. I particularly like Market Pundits Making Predictions although I don't think they really do that.

(What they really do is broadcast all of them and let people remember the right one and forget the wrong ones!)
by nisiprius
Thu Apr 16, 2015 8:47 am
 
Forum: Investing - Theory, News & General
Topic: Humorous Investing are Videos are Back Up!
Replies: 8
Views: 1308

Re: Anxiety about market fluctuations

If you believe all of these three things: 1) it is important to stay the course, 2) part of staying the course includes maintaining a stable, planned savings rate, but 3) market fluctuations are making you nervous enough that you think that with your present asset allocation, a sharp drop would be s...
by nisiprius
Thu Apr 16, 2015 8:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Anxiety about market fluctuations
Replies: 13
Views: 1085

Re: Favorite Boglehead Avatar?

Yes, I do like sheepdog's, and VictoriaF's. She hasn't posted in a while but I always liked interplanetjanet's: http://www.bogleheads.org/forum/download/file.php?avatar=23728.jpg and an interesting comparison to the "real" Interplanet Janet: http://www.filmwise.com/visual/bobblehead_01/ima...
by nisiprius
Thu Apr 16, 2015 5:40 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 84
Views: 4299

Re: Favorite Boglehead Avatar?

Sorry, guys, Nisi's avatar is not a monarch. It's an American copper. Chris Thank you. I knew it wasn't a monarch--the one in the photograph is about 2 cm in size, by the way--but didn't know what it was. Before I switched to that one, I was using a cropped image of Martyn Green's head from this im...
by nisiprius
Wed Apr 15, 2015 8:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Favorite Boglehead Avatar?
Replies: 84
Views: 4299

Re: [retired guy said] terrible crash is coming

Speaking strictly hypothetically, one might expect politicians at one end of the political spectrum to be predicting economic disaster whenever politicians at the other end of the spectrum are in power. I'm too lazy to look up an example involving Whigs and Democratic-Republicans but I'm sure one co...
by nisiprius
Wed Apr 15, 2015 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 64
Views: 6477

Re: How Many Credit Cards Do You Have Open?

Two, between my wife and I. I'm not sure why we'd need more--two is enough to have a backup e.g. when traveling if there's one of those temporary glitches or if one is compromised or stolen. My wife and I find that it is extremely important to our spending regulation to maintain constant "situa...
by nisiprius
Wed Apr 15, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards Do You Have Open?
Replies: 25
Views: 1476

Re: Is it ok to NOT have significant taxable investments?

I currently have no significant taxable investments. I don't know if that's OK or not!
by nisiprius
Wed Apr 15, 2015 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it ok to NOT have significant taxable investments?
Replies: 48
Views: 4531

Re: Very Few Soothsayers are Truth Sayers

You would have never believed it if, in 1997, someone told you that the biggest threat to Microsoft were two Stanford students working out of a garage on a search engine with an odd, misspelled name. Very shortly after it launched, when it wasn't famous yet, I actually emailed Google asking them wh...
by nisiprius
Tue Apr 14, 2015 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Very Few Soothsayers are Truth Sayers
Replies: 3
Views: 500

Re: How do you valuate a pension?

You don't need to. Since a pension can't be marketed, bought, sold, or rebalanced, it's not clear why you would want to calculate the present value. For planning purposes, you take your retirement income requirements and subtract the guaranteed income provided by Social Security, pensions, and incom...
by nisiprius
Tue Apr 14, 2015 6:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you value a pension?
Replies: 18
Views: 1539

Re: FDIC Insured Emerging Market Currency Indexed CD? Would

Other than being a better gamble than playing ski-ball, can you articulate a coherent reason for wanting emerging markets currencies in your investment portfolio? Where's the evidence that you'd expect it to improve a portfolio... in particular, to be better than the Vanguard Emerging Markets Govern...
by nisiprius
Tue Apr 14, 2015 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: FDIC Insured Emerging Market Currency Indexed CD? Would u?
Replies: 5
Views: 547

Re: Can nursing homes evict Medicaid patients?

I'm not an expert, but I think two different things are being mixed up. There's "rehab" and there is "long-term-care." Both kinds may be provided by a "nursing home" but they are different things. Where I live, some "rehab" facilities are connected with a hosp...
by nisiprius
Tue Apr 14, 2015 2:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can nursing homes evict Medicaid patients?
Replies: 19
Views: 2383

Re: Can I incorporate stop loss into this investment philoso

The phrase "stop-loss order" sounds wonderful, but you have to think about it. Do you really believe that there is an easy way to get the return of the stock market without actually taking the risk... and that there's an easy way to do it that everybody knows about? There might be, in smal...
by nisiprius
Tue Apr 14, 2015 9:41 am
 
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1544

Re: would "flight to safety" go to bonds after all?

...On one hand people say, "bonds are safe" -- but isn't that based on past history just as much as the concept that stocks outperform, SCV outperforms, etc... No, it's not. It's based on the nature of the beast and the fundamental difference between debt and equity. It's really important...
by nisiprius
Mon Apr 13, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2518

Re: Getting married-do I really need a will?

...However, the probability of such a situation happening is rather low... You might be surprised. I'd be curious to hear from lawyers, but this seems to me like a perfect example of "black swan" territory. WIthin my extended circle of acquaintances, the number of weird, seemingly-low-pro...
by nisiprius
Mon Apr 13, 2015 1:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 1986

Re: would "flight to safety" go to bonds after all?

It's a flight to safety, not a flight to high return. It is really important to separate the idea of risk from the idea of return. Low return is not a kind of risk, it's low return. If you want a certain degree of safety, and you can get that degree of safety and still get 5% returns (money market f...
by nisiprius
Mon Apr 13, 2015 11:47 am
 
Forum: Investing - Theory, News & General
Topic: would "flight to safety" go to bonds after all?
Replies: 32
Views: 2518

Re: New York Times article on bond funds

Can someone give a layman's explanation of in-kind redemptions? With a stock or an ETF you are actually selling shares. With a mutual fund you don't actually "sell" shares of a mutual fund, you "redeem" them (even though everything on the website says "sell.") Let's pr...
by nisiprius
Mon Apr 13, 2015 9:21 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3315

Re: Saving for next car...stash cash in VTSMX?

You can do what makes sense to you. A sane person could certainly choose to take the risk. Just be sure you really accept the risk, and are not kidding yourself about it. 1) I don't think you should do this if you find that you are using the word "saving" and "stash of cash" to d...
by nisiprius
Mon Apr 13, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Saving for next car...stash cash in VTSMX?
Replies: 14
Views: 1589

Re: Poll: do you own individual international stocks?

I corrected question #4 to make it clear that I meant international stocks. It now reads: "I live in the U.S. I own one or more individual international stocks, using a brokerage that charged me a low commission." Please change your answer if you need to. Uh oh.... I don't see a way to ch...
by nisiprius
Mon Apr 13, 2015 7:27 am
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1710

Re: What Book Are You Currently Reading? Part VI

Wow. Look at Upton Sinclair's The Metropolis , go to chapter 14 if this link doesn't take you there, and read it. Caveats: a) it's a work of fiction, b) I have no idea whether Sinclair knew what he was talking about, c) Sinclair was one of the people Teddy Roosevelt called "muckrakers." Ne...
by nisiprius
Mon Apr 13, 2015 7:20 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 626
Views: 88058

Re: How much riskier are munis than treasuries?

1) Unless you are personally able to read balance sheets and immerse yourself in an assessment of city economies and politics, the best most of us can do is to rely on the ratings agencies--with all their imperfections. 2) Municipal bonds do default and investors holding individual municipal bonds h...
by nisiprius
Mon Apr 13, 2015 7:01 am
 
Forum: Investing - Theory, News & General
Topic: How much riskier are munis than treasuries?
Replies: 32
Views: 3702

Re: Converting ETF to mutual fund while managing volatility

:oops: As others have said, if they're Vanguard ETFs, don't buy or sell, have Vanguard convert them. Wrong about that, sorry. :oops: 1) I don't know how much weirdness there is close to the end of the day, but since the mutual fund price and redemption are based on the end-of-day NAV it makes sense ...
by nisiprius
Mon Apr 13, 2015 4:59 am
 
Forum: Investing - Theory, News & General
Topic: Converting ETF to mutual fund while managing volatility
Replies: 18
Views: 908

Re: What Book Are You Currently Reading? Part VI

The Metropolis , by Upton Sinclair (best known for The Jungle and The Octopus , and frequently quoted in this forum for having said "It is difficult to get a man to understand something when his job depends on not understanding it.") It's available online here . I'm about halfway through....
by nisiprius
Sun Apr 12, 2015 8:44 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 626
Views: 88058

Re: New York Times article on bond funds

Thanks for your insightful comment, ogd. And they do have a last-resort option, which is to force redemptions in-kind making the accuracy of the NAV irrelevant. A well-informed correspondent told me that as far as he knows redemptions in kind have only occurred when the fund shareholder was a) a lar...
by nisiprius
Sun Apr 12, 2015 5:57 pm
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3315

Re: What Movie Have You Recently Watched?

Tycoon wrote:This Island Earth
Is that the one with the interrociter?
by nisiprius
Sun Apr 12, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 725
Views: 96746

Re: Poll: do you own individual international stocks?

I corrected question #4 to make it clear that I meant international stocks. It now reads:

"I live in the U.S. I own one or more individual international stocks, using a brokerage that charged me a low commission."

Please change your answer if you need to.
by nisiprius
Sun Apr 12, 2015 5:38 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1710

Re: What Movie Have You Recently Watched?

The Sound of Music , 1965, Julie Andrews, based on the Rodgers and Hammerstein musical. Yep. I've seen it a few times and I've seen amateur presentations of the stage version a few times, but there's a lot of publicity because of it being the 50th anniversary and now that I have a 40" flat-scr...
by nisiprius
Sun Apr 12, 2015 11:35 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 725
Views: 96746

Re: New York Times article on bond funds

I mentioned concern by the SEC and the IMF in my earlier post, here are some sources: CNBC, 16 Jun 2014: Fed looks at exit fees on bond funds Federal Reserve officials have discussed whether regulators should impose exit fees on bond funds to avert a potential run by investors, underlining concern a...
by nisiprius
Sun Apr 12, 2015 11:14 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3315

Re: Household Gross Income Poll

A poll like this one really makes me feel poor. And based on postings we occasionally get, I imagine it makes many lower-income and lower-net-worth forum readers feel poor, and feel bad, and feel that they are outsiders who aren't welcome in the forum. I agree with ninegrams, I don't see what's act...
by nisiprius
Sun Apr 12, 2015 11:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Household Gross Income Poll
Replies: 134
Views: 12394

Re: Poll: do you own individual international stocks?

ResearchMed wrote:Nisi, did you mean for choice #4 to be for international stocks, with low-costs?

And if not, should you have? :twisted:

RM
Yes :oops: , and yes :oops:
by nisiprius
Sun Apr 12, 2015 9:44 am
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1710

Re: New York Times article on bond funds

OTOH how worried should I be about the liquidity of a fund or ETF I am not going to sell? You could theoretically have reason to worry if situations arose that created the equivalent of a "run" on a bond fund. Before continuing I note that the cure, of course, is to pay attention to the l...
by nisiprius
Sun Apr 12, 2015 9:37 am
 
Forum: Investing - Theory, News & General
Topic: New York Times article on bond funds
Replies: 24
Views: 3315

Re: Poll: do you own individual international stocks?

stlutz wrote:The Fidelity commissions are in local currency. So 3000 yen not dollars.
:oops:
by nisiprius
Sun Apr 12, 2015 6:53 am
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1710

Poll: do you own individual international stocks?

:!: :!: :!: :!: :!: :!: :!: :!: :!: :!: NOTE I corrected question #4 to make it clear that I meant international stocks. It now reads: "I live in the U.S. I own one or more individual international stocks, using a brokerage that charged me a low commission." Please change your answer if yo...
by nisiprius
Sun Apr 12, 2015 5:59 am
 
Forum: Investing - Theory, News & General
Topic: Poll: do you own individual international stocks?
Replies: 25
Views: 1710

Re: International Investing

"Diversification" isn't the ultimate answer to everything any more than "low cost" is the ultimate answer to everything. There's always a point of diminishing returns. There is such a thing as "lost in the noise." Logically, you can improve your car's gas mileage by fil...
by nisiprius
Sun Apr 12, 2015 5:45 am
 
Forum: Investing - Theory, News & General
Topic: International Investing
Replies: 65
Views: 4243

Re: International Investing

This is a completely unsophisticated observation that has no figures whatsoever to back it up. I just got back from a vacation to New Zealand and Australia. While there I read the business and real estate sections of the local papers, kept an eye out for the amount of new commercial construction un...
by nisiprius
Sat Apr 11, 2015 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: International Investing
Replies: 65
Views: 4243

Re: Engineering as a career for a graduating HS student ?

My youngest thinks he wants to study engineering. "Choose a job you love, and you will never have to work a day in your life." He likes Physics class, and participated in the FIRST robotics competition, performing some of the mechanical design of a robot (not the electrical nor programmin...
by nisiprius
Sat Apr 11, 2015 4:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Engineering as a career for a graduating HS student ?
Replies: 60
Views: 4306

Re: Ethnobotany as career choice

...Side note: from a purely financial standpoint, graduating in 3 years is wise. From a personal standpoint, IMO it isn't. College is a great time of life. It's fun. It also is a big time for maturing and personal growth. I wouldn't have wanted to cut that short by one year. It might seem like that...
by nisiprius
Sat Apr 11, 2015 2:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Ethnobotany as career choice
Replies: 40
Views: 3204

Re: Getting married-do I really need a will?

Common sense says that if you die without a will, the question "was there a will?" needs to be settled, and I don't see how it can be quick or easy to prove to a court that there isn't one. Proving the absence is difficult if not impossible. But a similarly difficult question is "was...
by nisiprius
Sat Apr 11, 2015 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 1986

Re: Getting married-do I really need a will?

The catch-22 is that you'd need to be a lawyer, knowledgeable in the estate law of your own state--because estate law is state law and different in every state--to know whether you really need a will. Of course a lawyer is likely to say you do, and my belief is the lawyer would be right. "Every...
by nisiprius
Sat Apr 11, 2015 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Getting married-do I really need a will?
Replies: 26
Views: 1986

Re: TurboTax states "New York has no income tax"?

livesoft, your Mission Impossible, should you choose to accept it, is to call Intuit and attempt to report the bug. I hate to ask you to wait on hold when it won't help you personally, and when--given my past experience with Intuit--probably won't help anyone else either. (When I once tried to repor...
by nisiprius
Fri Apr 10, 2015 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax states "New York has no income tax"?
Replies: 16
Views: 1367

Re: Planning Washington DC Sightseeing

The only comment I have to make is: what a liberating experience it is to have a big old bunch of museums (the Smithsonian's museums) that have free admission. That means you can take the kids into one of the museums for just an hour or even a half hour... get a peek at the National Portrait Gallery...
by nisiprius
Fri Apr 10, 2015 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Planning Washington DC Sightseeing
Replies: 58
Views: 2782

Re: Declining to continue Interview Process

I think the essence of courtesy here is the act itself: letting them know... as early as possible so they can get on with scheduling other candidates... and that within very broad limits the exact form of the words used is not hugely important.
by nisiprius
Fri Apr 10, 2015 11:13 am
 
Forum: Personal Consumer Issues
Topic: Declining to continue Interview Process
Replies: 26
Views: 3121
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