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Re: FREAK: a new SSL/TLS security hole

jchef wrote:So if you are extremely security conscious and like to log into a lot of financial sites on your Android device, you may want to consider switching to Firefox.

Already did that so I can run AdBlock :happy
by telemark
Wed Mar 04, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 462

Re: New 401k - Fund choices and allocation across accounts

You have some decent choices here. If you want to approximate a three fund portfolio, these are the funds I would use: US stocks: mix these to approximate market weights Transamerica Partners Stock Index Ret Acct - 0.27%, Benchmark Russell 1000 SSgA S&P Mid Cap Index Ret Acct - 0.33%, Benchmark ...
by telemark
Wed Mar 04, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Fund choices and allocation across accounts
Replies: 11
Views: 574

Re: Turbotax 2014: Buyer Beware

This type of Rube Goldberg work around does not speak highly of TT developers. Sending stuff across the web to get it to a local printer suggests an ethos of "get it done" rather than "get it right". Barely competent developers are always a security threat. They've earned ridicu...
by telemark
Tue Mar 03, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5772

Re: Yale U Unconventional -----question on intl. stock holdi

This post states that VG total international stock is basically the same as 15% in Developed market index funds and 5% Emerging markets. Is this true? If "basically the same" is taken to mean roughly equivalent for investing purposes, then yes. I don't think those are the exact proportion...
by telemark
Mon Mar 02, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yale U Unconventional -----question on intl. stock holdings
Replies: 5
Views: 680

Re: You and Your Dumb Money

Oh yes, the "Great Rotation." I'd forgotten about that. Perhaps because that column is two years old now.
by telemark
Sun Mar 01, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: You and Your Dumb Money
Replies: 17
Views: 3197

Re: Turbotax 2014: Buyer Beware

Since they can't distribute the 3rd party library they need, either they are sending your data or they are making an api call to make use of the library. Either way, they are using the security they have set up for online filing. But why did they need a 3rd party library just to print or make a PDF...
by telemark
Sun Mar 01, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5772

Re: Turbotax 2014: Buyer Beware

Any theory that involves Intuit deliberately spying on its customers would have to explain why it is only Macintosh customers, and only this year. To me it makes more sense to blame the App Store: Apple has something of a reputation for surprising developers with new rules for the App Store, and if ...
by telemark
Sun Mar 01, 2015 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5772

Re: Not "Staying the Course"

NeutrinoPerson wrote:Is there anything wrong, per se, with going all-domestic? Defensible?

It's defensible if you can stick with it. What if in 2019 international stocks have a great year and return 35%? Would you be tempted to get back in?
by telemark
Fri Feb 27, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4665

Re: Not "Staying the Course"

I got out of Templeton Global Bonds (TGBAX) in my 401K in January. I've been on the fence about it for several years, but that plan doesn't have any bond funds I actually like. What finally tipped me over was reading that TGBAX has large holdings in Ukrainian bonds. My first thought was "bold m...
by telemark
Fri Feb 27, 2015 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4665

Re: Turbotax 2014: Buyer Beware

I believe this particular issue exists ONLY for Macintosh users of Turbotax. If your PC is a Windows machine, this problem would not apply to you. Here is a Forbes article discussing it: http://www.forbes.com/sites/kellyphillipserb/2015/02/19/intuit-apple-have-changed-the-rules-for-turbotax-users/ ...
by telemark
Fri Feb 27, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 59
Views: 5772

Re: Is it actually impossible to time market crashes?

Word on the street is that the Great Crash of 2016 is coming. http://www.marketwatch.com/story/stock-market-crash-of-2016-the-countdown-begins-2015-02-25 It will definitely be more actionable to focus on that... See also http://www.marketwatch.com/story/crash-of-2014-like-1929-youll-never-hear-it-c...
by telemark
Thu Feb 26, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3011

Re: [Heads up: Lenovo PC security compromised, thanks to adw

Adware like this is also a prime reason I suggest people to use a VPN, certainly more so when they travel or use ANY public wi-fi. Which reminds me of the frog dude here saying... "there's no extra security benefit to a VPN over using an SSL connection." Except in this prime example where...
by telemark
Wed Feb 25, 2015 11:18 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4715

Re: Is the first 100k really the hardest?

At some point the returns on the money you already have invested start to exceed the new money you are adding. The exact amount will depend on the market and on your savings rate.
by telemark
Wed Feb 25, 2015 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 56
Views: 7932

Re: What age do you guys plan to retire?

60 at the earliest, barring unforeseen events. I started paying into Social Security at 25, so that will give me the requisite 35 years, and I'll be old enough to start tapping my retirement accounts. If necessary, I could retire now at 55, but not at the income level to which I would like to become...
by telemark
Tue Feb 24, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8583

Re: help me speed up my computer

And just to reiterate what has already been said: always identify the problem first. You can spend a lot of time and money fixing the wrong things, and even a brand new computer won't fix a bad network.
by telemark
Tue Feb 24, 2015 3:55 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3512

Re: Value investing doesn't even beat the S&P 500

Ironic. If you believe in the idea behind value investing, a period of underperformance is exactly when you would want to buy more.
by telemark
Mon Feb 23, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 45
Views: 4325

Re: help me speed up my computer

First, I checked my hard drive. It has 75% of its space available so I think that's not the issue - is this what folks mean when they say, "you have have at least 10% free on your boot disk?" I agree, this is not the issue. I confirmed I have 6 GB DDR RAM memory, which seems adequate. May...
by telemark
Sun Feb 22, 2015 1:22 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3512

Re: help me speed up my computer

Before doing a reinstall, try the simple stuff first. This reminds me of when I used HP laptops and called the idiots customer support people in India or wherever they were. After waiting on the phone for a couple of hours, no matter what I said was wrong, their solution was always to do a reinstal...
by telemark
Sat Feb 21, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3512

Re: Is is OK to directly download 1099's in TurbTax?

No more dangerous, in my opinion, than connecting to your bank through the Web to look up the same information: it essentially follows the same process. I can't prove that TurboTax doesn't store your password, but there's no technical reason why they would need to.
by telemark
Sat Feb 21, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is is OK to directly download 1099's in TurbTax?
Replies: 9
Views: 719

Re: help me speed up my computer

PCs can slow down for lots of different reasons. The last time my PC at work got really slow it turned out that the hard drive was 95% used. I got rid of some old files and it went back to normal. The way to check this is to right click on the icon for the C: drive and select Properties. If that isn...
by telemark
Sat Feb 21, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3512

Re: Automatic refresh

If you have nodejs on your computer, you see what headers the server is sending with var https = require("https"); https.get("https://www.bogleheads.org", function(res) { console.log("Got response: " + res.statusCode); console.log('HEADERS: ' + JSON.stringify(res.header...
by telemark
Fri Feb 20, 2015 11:58 am
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 21
Views: 1205

Re: Two Hedge Fund Managers Walk into a Bar...

You've got to love a metric that can't actually be measured.
by telemark
Fri Feb 20, 2015 9:25 am
 
Forum: Investing - Theory, News & General
Topic: Two Hedge Fund Managers Walk into a Bar...
Replies: 10
Views: 1736

Re: Risk of Rebalancing

Once you have enough in bonds you can do whatever you like with the rest. Some people say "why take a chance?" and put everything in bonds. Others say "why not take a chance?" and put it in stocks instead. Both are reasonable choices. Personally I don't expect to reach that point...
by telemark
Fri Feb 20, 2015 8:00 am
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3744

Re: Poll: Largest fraudulent charge to your credit card(s)?

No fraudulent charges. I only have one credit card and routinely use cash for small transactions, so it must be pure luck.
by telemark
Fri Feb 20, 2015 5:29 am
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2422

Re: Risk of Rebalancing

It works in bear markets too. If equities are going up and you're rebalancing, you're dumping stocks. The market goes up. You dump more. All of a sudden your portfolio has done worse than if you had just let it run. a) I thought a bear market meant equities going down, not up. b) By this logic 100%...
by telemark
Thu Feb 19, 2015 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3744

Re: Dave Ramsey Lashes Out at His Financial Critics

crboone wrote:It does seem it should be a little embarrassing to speak so confidently against reasonable dissent -- he doesn't leave room for personal correction.

I'm told he's a good salesman, so perhaps he understands the marketing value of a good controversy.
by telemark
Thu Feb 19, 2015 7:34 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9669

Re: Recommend a general U.S. history book

Thank you for wanting to learn some history. More people should do this (myself included). I'll second the recommendation for the Cartoon History series. I haven't read the one on the United States, but I like his Cartoon History of the Universe. A great way to get a broad outline of the subject, an...
by telemark
Thu Feb 19, 2015 7:30 am
 
Forum: Personal Consumer Issues
Topic: Recommend a general U.S. history book
Replies: 22
Views: 1110

Re: target date fund or coffeehouse portfolio?

I happen to like the coffeehouse approach, but agree that splitting half and half makes no particular sense. Pick one or the other and go with it.
by telemark
Wed Feb 18, 2015 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: target date fund or coffeehouse portfolio?
Replies: 7
Views: 756

Re: Dave Ramsey Lashes Out at His Financial Critics

Here is the problem: telling people they can get a 12% return simply by Googling for the right funds isn't actually doing them any favors. Because it isn't true.
by telemark
Wed Feb 18, 2015 12:29 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9669

Re: Dave Ramsey Lashes Out at His Financial Critics

Hmm. I looked in the Google Advanced Search options for a checkbox labeled "Future results only", but there didn't seem to be one. :confused
by telemark
Tue Feb 17, 2015 6:05 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9669

Re: Bond investors...is there a crash on the horizon..!!

But Shill-ING says buy more bonds! http://www.advisorperspectives.com/newsletters15/Why_You_Should_Own_Bonds.php Two very smart, knowledgable people making opposite predictions. They can't both be right. Am I smarter or do I know more than one of them? Which one? Maybe I'll just stick with my curre...
by telemark
Tue Feb 17, 2015 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bond investors...is there a crash on the horizon..!!
Replies: 43
Views: 3097

Re: TreasuryDirect.gov is down Huh?

Doc wrote:Is it closed for snow? OMG

Well, the Guardian is reporting widespread power outages, so I suppose it's possible.
by telemark
Tue Feb 17, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: TreasuryDirect.gov is down Huh?
Replies: 4
Views: 542

Re: Is your hedge fund run by a werewolf?

I thought they all were. It would explain a lot.
by telemark
Sat Feb 14, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Is your hedge fund run by a werewolf?
Replies: 10
Views: 922

Re: How do you rent new release movies?

There are lots of streaming rental services now. I usually start looking at http://www.canistream.it. If they don't show it I try Amazon, because sometimes Amazon will have a movie for streaming even when canistream.it doesn't think so.
by telemark
Fri Feb 13, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: How do you rent new release movies?
Replies: 20
Views: 1271

Re: Advisors: should clients expect you to waive sales charg

afan wrote:No reason to buy a load fund. Ever.

:thumbsup "Best load funds" is a bit like "nicest serial killers."

But if you can get a fund without paying the load, is it still a load fund?
by telemark
Fri Feb 13, 2015 4:09 am
 
Forum: Personal Finance (Not Investing)
Topic: Advisors: should clients expect you to waive sales charges?
Replies: 10
Views: 1452

Re: Tolerance for "rebalancing risk" in retirement

I would expect that most investors with 80/20 or 70/30 allocations are still a long way from retirement. If not, the risk comes not from rebalancing but from being too heavy in stocks.
by telemark
Fri Feb 13, 2015 3:49 am
 
Forum: Investing - Theory, News & General
Topic: Tolerance for "rebalancing risk" in retirement
Replies: 29
Views: 1576

Re: Is "Financial Independence" the new "Retirement?"

VictoriaF wrote:The first computer therapist ELIZA was developed fifty years ago.

You have your mind on computers, it seems.
by telemark
Thu Feb 12, 2015 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is "Financial Independence" the new "Retirement?"
Replies: 52
Views: 6740

Re: Are the expensive air purifiers worth the money?

Even HEPA filters are ineffective against smoke particles. The latter are just too small. There is a company that lets you swap in different filters for different needs: smoke, pollen, dust, chemicals. But I can't remember if it was Rabbit, Blue Air, or something else. Anyone remember? I don't know...
by telemark
Thu Feb 12, 2015 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Are the expensive air purifiers worth the money?
Replies: 29
Views: 1901

Re: What does it mean to buy or sell a stock?

The mechanics of a short sale are that the actual share is borrowed. A buys a share of stock, which is held in a margin account at a brokerage. B wants to sell the stock short. B borrows one share from the brokerage, and sells it to C. Thus C holds the stock, and doesn't know that it was bought fro...
by telemark
Tue Feb 10, 2015 10:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1560

Re: I'm not a bad Boglehead

I think the discounted tickets provide better value.
by telemark
Tue Feb 10, 2015 10:07 pm
 
Forum: Personal Consumer Issues
Topic: I'm not a bad Boglehead [buying Powerball ticket]
Replies: 101
Views: 6156

Re: What does it mean to buy or sell a stock?

Buying is always a choice. Selling may not be. If you're shorting a stock -- if you borrowed the stock and sold it, and now the time to return it has arrived -- then you have to buy at whatever price the market will give you, whether you like it or not. So there may not be a choice on either side o...
by telemark
Tue Feb 10, 2015 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1560

Re: What does it mean to buy or sell a stock?

Something to keep in mind is that when a buyer and a seller (or the market) agree on a price both think they have gotten the best side of the deal. Usually. Sometimes people have to sell to raise money, even when no one particularly wants to buy. This drives down the price and in the worst case lea...
by telemark
Tue Feb 10, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1560

Re: TIPS - Right Priced but Right Investment?

Perhaps I'm still groggy without my coffee so please forgive me, but could you please elucidate how one has a TIP for each asset class? What might be examples of an asset classes you would have a TIP for? Ok, looking at my post again I can see how you got that idea. Someday I will learn how to writ...
by telemark
Tue Feb 10, 2015 12:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - Right Priced but Right Investment?
Replies: 14
Views: 1449

Re: Careful what you say around your Samsung Smart TV!

Hmm. A phone with no microphone. I'm going to leave that one unedited, as a warning to myself :oops:
by telemark
Mon Feb 09, 2015 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: Careful what you say around your Samsung Smart TV!

Obviously I don't represent the public as a whole, but I would happily buy a phone or tablet with no camera or microphone, if such were available. That goes double for a TV set.

But hey, I'm sure there's no way one of those could ever be hacked.
by telemark
Mon Feb 09, 2015 2:31 pm
 
Forum: Personal Consumer Issues
Topic: Samsung Strikes Again .. Ad Injection
Replies: 17
Views: 524

Re: What does it mean to buy or sell a stock?

Is it possible to want to sell, but not find a buyer? As I understand it, sure. You (or more likely, your broker) submit a bid at a particular price on an exchange, for example the New York Stock Exchange, and either someone else accepts it or they don't. If no one accepts it you can try again with...
by telemark
Mon Feb 09, 2015 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What does it mean to buy or sell a stock?
Replies: 26
Views: 1560

Re: TIPS - Right Priced but Right Investment?

When you mention you keep TIPS as a diversifier how much of your portfolio do you dedicate to TIPS? 1% 3% It's complicated. I have an old 401K plan with a TIPS fund in it. 40% of that plan is in bonds, with 30% in an index fund (Barclay's U.S. Aggregate) and 10% in the TIPS fund, so TIPS are 25% of...
by telemark
Mon Feb 09, 2015 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - Right Priced but Right Investment?
Replies: 14
Views: 1449

Re: TIPS - Right Priced but Right Investment?

TIPS are like bonds but with different behavior under certain circumstances. That leads me to keep part of my bond allocation, not too much, in TIPS, as a diversifier. And when you own something as a diversifier, you don't need to care whether the price is "right" or not. Just rebalance in...
by telemark
Mon Feb 09, 2015 11:38 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS - Right Priced but Right Investment?
Replies: 14
Views: 1449

Re: What Movie Have You Recently Watched?

Stonehearst Asylum, on Netflix. This came out in 2014 and somehow I missed it completely. It starts with the idea from an Edgar Allen Poe story and takes it in a longer and rather different direction. Excellent casting with Ben Kingsley as the standout.
by telemark
Sun Feb 08, 2015 9:46 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 573
Views: 70611

Re: What's the scoop on all these advisor newsletters?

If I knew a way to generate market-beating returns, the last thing I would do is publish a newletter about it. I'd invest my own money and get quietly rich. But that's just selfish me. These people are not like that. They want everyone to share the benefits of their wonderful discoveries, for only a...
by telemark
Sun Feb 08, 2015 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the scoop on all these advisor newsletters?
Replies: 11
Views: 740
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