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Re: LED bulb prices

LED bulbs can get noticeably warm around the base, but the bulb itself is only slightly warmer than the surrounding temperature. You can turn one off and immediately unscrew it. Nothing like incandescent bulbs, where you could easily burn yourself if you weren't careful.
by telemark
Tue Apr 22, 2014 6:59 pm
 
Forum: Personal Consumer Issues
Topic: LED bulb prices
Replies: 111
Views: 8596

Re: Blog:William Bernstein’s Coward’s Portfolio

In the worst case, we all realize that these are unanswerable questions and stop debating them. About the same time the whole market switches to index funds.

Until then, there will be many roads to Dublin...
by telemark
Mon Apr 21, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Blog:William Bernstein’s Coward’s Portfolio
Replies: 30
Views: 4630

Re: POLL: what's the deal with Tuna Fish?

Just looked in my kitchen cabinet and found sardine fish, packed in olive oil :wink:
by telemark
Sun Apr 20, 2014 6:42 pm
 
Forum: Personal Consumer Issues
Topic: POLL: what's the deal with Tuna Fish?
Replies: 48
Views: 3014

Re: NYT: Re-education of a Brash Young Stock Picker

If his investments underperformed the Standard & Poor’s 500-stock index, they would pay him nothing. Nothing, that is, beyond what they have already lost relative to the index. But if he beat it, they would pay him a fee equal to one-third of the money they had made beyond what the index had re...
by telemark
Sun Apr 20, 2014 5:13 am
 
Forum: Investing - Theory, News & General
Topic: NYT: Re-education of a Brash Young Stock Picker
Replies: 23
Views: 2843

Re: 401k options

This is why I think the three fund portfolio is oversold on this forum. It's a decent starting point, yes, but not somehow magically better than any number of similar allocations. In this case the LIFEPATH funds look like the clear winners for cost and simplicity. But you could also do something lik...
by telemark
Fri Apr 18, 2014 5:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k options
Replies: 5
Views: 330

Re: Fidelity Full View

Note that if you forget your LastPass master password, you are well and truly out of luck. LastPass can't help you: they don't know it either and no one can read your data without it. In contrast, if you forget your Yodlee password, you just need to talk a representative into resetting your password...
by telemark
Thu Apr 17, 2014 5:20 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Full View
Replies: 23
Views: 2662

Re: Fidelity Full View

If you don't want to "disclose" a password to an aggregation service, don't use an aggregation service. Similarly, you'll also need to refrain from using password lockers with cloud storage. Your choice. Not at all similar, in fact completely different. A properly designed password locker...
by telemark
Thu Apr 17, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Full View
Replies: 23
Views: 2662

Re: Stock markets in free fall?

Why even index? All those losing stocks in the index are a drag on returns. Just pick the right stocks and you can retire even earlier! :wink:

P.S. for anyone who missed it, :wink:
by telemark
Sat Apr 12, 2014 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Stock markets in free fall?
Replies: 92
Views: 6564

Re: Some websites are.......

The Wizard wrote:Market corrections are completely normal.


And predictions of market corrections are even more normal :D
by telemark
Fri Apr 11, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Some websites are.......[predicting stock market correction]
Replies: 22
Views: 2379

Re: heartbleed - widespread internet security problem

However, can't sites update their certificates without it changing the certificate date: Gmail's cert shows - "Not valid before Wednesday, March 12, 2014 at 5:44:52 AM Eastern Daylight Time" . Facebook shows February 7, 2010. Both sites are on the Mashable hit list - http://mashable.com/2...
by telemark
Thu Apr 10, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16510

Re: heartbleed - widespread internet security problem

The Vanguard statement shows some confusion. OpenSSL is not a standard. SSL is a standard. OpenSSL is one implementation of that standard, and there are other implementations that don't have the bug. Most likely, Vanguard has never used OpenSSL but some other vendor's implementation (possibly IBM). ...
by telemark
Thu Apr 10, 2014 1:17 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16510

Re: heartbleed - widespread internet security problem

If you have an email account with Yahoo you should change the password--especially if you've given it as the email address for a password reset from any other sites.
by telemark
Wed Apr 09, 2014 6:38 pm
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16510

Re: heartbleed - widespread internet security problem

The LastPass heartbleed checker indicated that Vanguard.com might be vulnerable. Have any of our tech-savvy Forum members checked with Vanguard on this? If so, I'd be very grateful if you would post what you learn here on the site (e.g. was there any vulnerability; if so, when can we check accounts...
by telemark
Wed Apr 09, 2014 4:40 am
 
Forum: Personal Consumer Issues
Topic: heartbleed - widespread internet security problem
Replies: 175
Views: 16510

Re: How are you preparing for the coming bear market

Keeping fixed expenses low so that I can get by on relatively little if necessary.
by telemark
Sun Apr 06, 2014 6:12 am
 
Forum: Investing - Theory, News & General
Topic: How are you preparing for the coming bear market
Replies: 104
Views: 7855

Re: Two Apartments, One FiOS Account

Get a couple directional wifi antennas, you should easily be able to establish a link with the right equipment. You'll have to do some setup to get the antennas aligned but companies do this all the time. Through a couple of floors and who knows how many other apartments, many running their own wif...
by telemark
Fri Apr 04, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Two Apartments, One FiOS Account
Replies: 15
Views: 1181

Re: Rebalancing restricts vanguard funds?

abuss368 wrote: To me that is a little to much. A year suspension? While they continue to hold your account and collect fees?


I think one year was the worst case, and there were some lesser penalties they would apply first. It was long enough ago that I'm hazy on the details.
by telemark
Fri Apr 04, 2014 5:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing restricts vanguard funds?
Replies: 18
Views: 865

Re: Rebalancing restricts vanguard funds?

It isn't just Vanguard that does this. I got a nastygram once from my Fidelity-managed 401K plan saying there was a cycle in my recent activity, and that if I did it again my trading privileges would be suspended for a year. (I rebalanced into a bond fund, and then a few weeks later decided I wanted...
by telemark
Fri Apr 04, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing restricts vanguard funds?
Replies: 18
Views: 865

Re: Laziest of the Lazy

The No Brainer is 75% stocks and the Second Grader's Starter is 90% stocks. Notice that the S&P 500 beat all the lazy portfolios, for the intervals reported.

Margaritaville is also simple, with only three funds, but did rather less well, probably because TIPS have underperformed recently.
by telemark
Fri Apr 04, 2014 12:44 am
 
Forum: Investing - Theory, News & General
Topic: Laziest of the Lazy
Replies: 3
Views: 985

Re: Bogleheads/Paul Merriman

Vanguard has made some changes to their funds in recent years that make the total market indexes more attractive. They dropped the minimum for Admiral shares to $10,000, making it easier to reach for small investors, and they changed the Total International is defined (something about a fund of fund...
by telemark
Thu Apr 03, 2014 10:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogleheads/Paul Merriman
Replies: 33
Views: 3125

Re: Consolidating 401K - WWYD ?

For best results you should post the expense ratio for each fund, but the relevant wiki entry is http://www.bogleheads.org/wiki/Approximating_Total_Stock_Market Applying that to your desired weighting produces 39.5% large cap 3% mid cap 6.5% small cap 21% international which adds up to 70%. Or you c...
by telemark
Wed Apr 02, 2014 6:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating 401K - WWYD ?
Replies: 8
Views: 461

Re: Bailing On Pimco Bond?

I swapped PTTRX for a much cheaper bond index fund in 2011, have slept better ever since.
by telemark
Wed Apr 02, 2014 5:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bailing On Pimco Bond?
Replies: 19
Views: 1978

Re: Consolidating 401K - WWYD ?

I'm quite sure I would leave the old 401K where it is, because I already do exactly that with one of my own.

Pros: access to better funds
Cons: forces you to own more than one fund
by telemark
Wed Apr 02, 2014 4:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating 401K - WWYD ?
Replies: 8
Views: 461

Re: best tips for passwords?

So a strong password can protect you even when the password file is stolen, something that happens all too often these days. Such as, for example, this one: Hack of Boxee.tv exposes password data, messages for 158,000 users Also exposed a lot of personal information including birth dates. Why Boxee...
by telemark
Wed Apr 02, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: [High-frequency trading hurts regular customers]

This has really come full circle. Back in 2009, Goldman sicked the FBI on one of it's former employees claiming he stole their secret HFT code. The punchline in the whole case is that now that this code is in the wild, as opposed to residing with Goldman Sachs, it could be used "to manipulate ...
by telemark
Tue Apr 01, 2014 2:45 pm
 
Forum: Investing - Theory, News & General
Topic: [High-frequency trading hurts regular customers]
Replies: 107
Views: 6260

Re: Receiving junk texts and cell phone messages

Forward the text message to 7726 (spells SPAM). You should get a reply from your carrier asking for the phone number that sent it. For details, see http://www.cnn.com/2012/03/19/tech/mobile/text-spam-gahran/index.html
by telemark
Mon Mar 31, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Receiving junk texts and cell phone messages
Replies: 14
Views: 721

Re: Lazy portfolios: no returns or risk information

What I find interesting about the lazy portfolios is that they were developed independently by different people over a period of ten to twenty years, and yet they have a lot in common: using low cost, diversified funds (often but not always index funds), diversification across asset classes, and an ...
by telemark
Sun Mar 30, 2014 10:38 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6645

Re: best tips for passwords?

It's amazing that so many smart people can see the facts and not even mention the other solution. It's past time to retire NTLM. Breakable password hashes can be solved by either telling the user to add 10 bits of entropy or telling the sys admins to make the hash function 1000 times harder. Appare...
by telemark
Sat Mar 29, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: best tips for passwords?

Once you're using a password manager, why not make your usernames completely random too? You could, but if you're not reusing passwords, I'm not sure what it would accomplish. It will accomplish everything that a random password accomplishes, times two. Well, no. The point of using randomly generat...
by telemark
Sat Mar 29, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: Lazy portfolios: no returns or risk information

You can find 1, 3, 5, and 10-year returns for a number of portfolios at http://www.marketwatch.com/lazyportfolio And you can find standard deviation and returns for more portfolios at http://assetbuilder.com/lazy_portfolios/group/dr_bernsteins http://assetbuilder.com/lazy_portfolios/group/coffeehou...
by telemark
Sat Mar 29, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6645

Re: Lazy portfolios: no returns or risk information

You can find 1, 3, 5, and 10-year returns for a number of portfolios at http://www.marketwatch.com/lazyportfolio
by telemark
Fri Mar 28, 2014 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Lazy portfolios: no returns or risk information
Replies: 132
Views: 6645

Re: best tips for passwords?

Sunny Sarkar wrote:Once you're using a password manager, why not make your usernames completely random too?


You could, but if you're not reusing passwords, I'm not sure what it would accomplish.
by telemark
Thu Mar 27, 2014 11:47 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: best tips for passwords?

The developer of Diceware now recommends generating six word passwords. http://diceware.blogspot.com/2014/03/time-to-add-word.html with some additional commentary at http://arstechnica.com/information-technology/2014/03/diceware-passwords-now-need-six-random-words-to-thwart-hackers/ Practices that w...
by telemark
Thu Mar 27, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: Cash in Roth

Cash in a Roth IRA is not ideal, but it's still useful as a way to expand your tax-advantaged space. You may get a windfall someday and be glad to have a place to invest it. On the other hand, if you expect your taxes to rise in the future, now would be a good time to sell the stocks in taxable. You...
by telemark
Wed Mar 26, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Cash in Roth
Replies: 12
Views: 1579

Re: New Printer/Scanner

The one I have refuses to print black and white without the colour cartridges This is maddening but pretty common for color inkjets, Epson does the same thing. For one possible explanation, see http://ccs-digital.com/caring-for-epson-printers.asp (you need to read to the bottom). In any case, one m...
by telemark
Tue Mar 25, 2014 2:52 pm
 
Forum: Personal Consumer Issues
Topic: New Printer/Scanner
Replies: 13
Views: 1395

Re: Old ROTH 401k to new plan, better fees than IRA, concern

Since Fidelity doesn't really have a way to control what money on the 401k is traditional or ROTH (ie. you just have one account with all money, and they somehow know which is which in the background) I would check on that again. My current 401k is managed by Fidelity, and from what I've heard the ...
by telemark
Mon Mar 24, 2014 5:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Old ROTH 401k to new plan, better fees than IRA, concerns?
Replies: 4
Views: 305

Re: Should I contribute to a bad 401k or to a Roth IRA

With no employer match, I would probably max out a Roth IRA first and then put any remaining money into the 401k. It's worth remembering that for small balances the expenses don't matter as much, because the growth is dominated by new contributions anyway. And you can roll the balance into an IRA wh...
by telemark
Sat Mar 22, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I contribute to a bad 401k or to a Roth IRA
Replies: 7
Views: 640

Re: Tax software not working on my old mac

If your Mac is a Power Mac, then 10.4 is the latest OS it can run (outside of Linux). In that case you may want to look into TenFourFox, a fork of FireFox for PowerPC based Macs. I haven't tried the online versions of any tax software, so I don't know what they require, but the last version of Safar...
by telemark
Thu Mar 20, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax software not working on my old mac
Replies: 11
Views: 440

Re: HOA lawyer sends threatening letter, need advice

There's a lack of communication here that could lead to more problems in the future. Absolutely do contact the HOA committee, if only to find out what the trash can thing is about and why you didn't hear about it before. You have every right to do that, it's what they're for. Why would the property ...
by telemark
Wed Mar 19, 2014 7:10 pm
 
Forum: Personal Consumer Issues
Topic: HOA lawyer sends threatening letter, need advice
Replies: 46
Views: 4236

Re: What premium items are least worth it?

Hedge funds.
by telemark
Mon Mar 17, 2014 6:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: What premium items are least worth it?
Replies: 105
Views: 5652

Re: XP to 7--please spell out what I buy, where, how much

And this just showed up today in The Register: PC users are scouring auction sites and licence brokers to obtain copies of Windows 7 for their upgrades to Windows XP, rather than buying Windows 8. Sales of Windows 7 on eBay have more than doubled during the last seven months as people scramble to be...
by telemark
Mon Mar 17, 2014 3:45 pm
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2265

Re: LED lights currently worth it personal financewise?

My advice to you would be to not replace preemptively BUT when you do replace a bulb, go with the LED-- the additional cost justified by the longer life span. Also, the CFLs that burn out early are probably in locations where they get turned on and off frequently, and LEDs should do better with tha...
by telemark
Sat Mar 15, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2498

Re: I don't want to upgrade XP just yet, is that ok?

Just to put this in context, you can find a summary of Microsoft's latest security fixes at http://www.theregister.co.uk/2014/03/11/microsoft_adobe_patch_tuesday/ This one is particularly interesting Patch bulletin MS14-013 sorts out a flaw in the Windows DirectShow component, which incorrectly proc...
by telemark
Fri Mar 14, 2014 5:01 pm
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6362

Re: How many Bogleheads are Wishy Washy?

I know my current allocation isn't perfect, and every now and then I get some idea about changing it, but then I start wondering if the change would really be an improvement, and I end up leaving things the way they are. Is that wishy-washy? I can't quite decide...
by telemark
Fri Mar 14, 2014 12:29 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4111

Re: best tips for passwords?

How many passwords do you really need to remember if you use a password manager? I have my master password, my operating system root password, and my iTunes/iCloud password. Pretty much all others (including bogleheads) are in my password manager. That was my point: for most people, the xkcd techni...
by telemark
Tue Mar 11, 2014 5:30 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: best tips for passwords?

Your math only works for 6 random words. But your post said nothing about random and your example was not only not random, it was an English sentence. You are correct. the words do need to be random. I should have used a better example sentence. dogskypersontrayapple. This should be very secure. No...
by telemark
Tue Mar 11, 2014 4:34 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8516

Re: Benjamin Graham thinks current S&P valuations are reason

staythecourse wrote:Why do folks constantly think they will figure out something that no one else has when it comes to finance when ALL the information is readily available and been rehashed over and over and over and...


I always understand something better when I go through the work myself.
by telemark
Fri Feb 28, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Benjamin Graham thinks current S&P valuations are reasonable
Replies: 54
Views: 5836

Re: Indoor Plants - Recommendations?

Plants grow in the wild where the conditions are right for them, and wrong for their competitors. Some are fairly adaptable, others need to have everything just right. One trick for watering: if you let the water sit by the plant for an hour or longer, it will be at room temperature when you put it ...
by telemark
Fri Feb 28, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Indoor Plants - Recommendations?
Replies: 21
Views: 1428

Re: Snow Removal Service Surcharge?

I remember one winter when I returned from Christmas vacation to find the driveway to my condominium covered in 4 inches of ice. I had to use a pick and shovel before I could get my car up it. There'd been an unusually heavy snowfall and the contractor just quit. By the time they found a replacement...
by telemark
Thu Feb 27, 2014 6:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Snow Removal Service Surcharge?
Replies: 5
Views: 390

Re: Indoor Plants - Recommendations?

Rubber plants drop their leaves and die if you water them too much. They also do this if you water them too little, so it's hard to know exactly where the problem lies. I've had the best luck with palms, which don't seem to mind if you overwater them. Ferns aren't too bad, either, but they keep grow...
by telemark
Thu Feb 27, 2014 5:43 pm
 
Forum: Personal Consumer Issues
Topic: Indoor Plants - Recommendations?
Replies: 21
Views: 1428

Re: Would you buy Total World index if it had Admiral Shares

No. Once you're reasonably diversified across asset classes, I'm not convinced that faithfully mirroring the exact market weights from day to day provides any measurable benefit. Is 47/53 really that different from, say 50/50?
by telemark
Thu Feb 27, 2014 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 40
Views: 3436
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