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Re: Options/guidance for a lazy person to be fit

The OP asked for the community suggestions and he has received a wide range of suggestions. Some suggestions are contradictory, but if at least one of them works for him--or others reading this thread--the community will have succeeded making its members healthier. There are many paths to fitness, ...
by telemark
Wed Jul 23, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5065

Re: Should market valuations be completely disregarded?

Another reason to rebalance: it automatically moves money from asset classes with higher valuations to ones with lower valuations.
by telemark
Wed Jul 23, 2014 4:45 am
 
Forum: Investing - Theory, News & General
Topic: Should market valuations be completely disregarded?
Replies: 21
Views: 1215

Re: AAA worth it? I have Allstate

I know how to change a tire, but I'm also stupid enough to have locked myself out of my car repeatedly. AAA is good for that. I use Allstate for insurance, AAA for roadside assistance. Different things.
by telemark
Tue Jul 22, 2014 1:01 pm
 
Forum: Personal Consumer Issues
Topic: AAA worth it? I have Allstate
Replies: 53
Views: 2963

Re: If you are a winner before fees, why not lower the ER?

I strongly believe the price elasticity of demand is less than 1. Assuming constant cost (which is likely because there's very little variable cost), then lowering the price will increase profit. My experience talking with my co-workers suggests that they're clueless about expense ratios. They comp...
by telemark
Tue Jul 22, 2014 11:40 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1126

Re: If you are a winner before fees, why not lower the ER?

What am I missing?

The part about fleecing investors for all they're worth? Sure, they could lower their prices, but as long as people are willing to pay them, why should they?
by telemark
Tue Jul 22, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: If you consistently outperform (pre-fees), why not lower ER?
Replies: 35
Views: 1126

Re: Help with Title/Author of Science Fiction Novel

I did reread Roger Zelazny's Lord of Light and enjoyed it as much. There's a good essay on Zelazny, masquerading as a book review by the late Sidney Coleman. Fortunately it's reprinted online at http://efanzines.com/EK/eI36/eI36.pdf It starts on page 34 (or just search for Joe Blotz) but the other ...
by telemark
Mon Jul 21, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Help with Title/Author of Science Fiction Novel
Replies: 28
Views: 1852

Re: Options/guidance for a lazy person to be fit

I like to notice what kind of projects other people in the neighborhood are doing: remodeling, landscaping, etc. What service people are they using. What flowers/plants are they growing that I might like to grow. The other day when I was walking home I saw that one of my neighbors has a realistic l...
by telemark
Fri Jul 18, 2014 1:16 pm
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5065

Re: Options/guidance for a lazy person to be fit

First, some general principles: ⋅ Investing should be boring, but exercise should be fun. If it feels like a chore you will start finding ways to avoid it. Look for activities that keep your attention focused, as opposed to ones so mindless that you feel the urge to multitask. ⋅ ...
by telemark
Fri Jul 18, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Options/guidance for a lazy person to be fit
Replies: 79
Views: 5065

Re: Stock Fund 401k Price Difference?

The fund will track the stock minus any expenses, but fund expenses should be very low, on the close order of zero. NAV is such a meaningless number that I'm annoyed at all the web sites that show changes in absolute numbers instead of percentages (looking at you here, Vanguard). Perhaps I'm the onl...
by telemark
Thu Jul 17, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stock Fund 401k Price Difference?
Replies: 8
Views: 271

Re: POLL: Do you have a dedicated REIT allocation?

1) I think I was seduced by Burton Malkiel's praise for REITs in A Random Walk Down Wall Street . Overall, my investments, first in TIAA Real Estate, then in Vanguard REIT Index Fund, did fine, but I don't think I'd do it again. 2) I think that it is a big mistake to lump a) REIT stocks, b) the TIA...
by telemark
Wed Jul 16, 2014 9:06 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 6858

Re: Millennials (with jobs) are super-saving their retiremen

Graduating into a recession will do that to you. I graduated in 1984 and started saving as soon as I could find a job, and 2008-? is a tougher job market than that. And I knew that the Reagan deficits were unsustainable and that social security would never last. Unfortunately I dropped the ball late...
by telemark
Tue Jul 15, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Millennials (with jobs) are super-saving their retirement
Replies: 65
Views: 9056

Re: Footwear in Vietnam

I've done a lot of hiking in Chacos in some fairly rugged places, and the only problem I ever had was convincing skeptical leaders that I'd be OK in them. Blisters were never a problem. I prefer wearing the straps fairly loose. That way if twigs or small rocks get in you can just shake them out again.
by telemark
Tue Jul 15, 2014 12:09 am
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 18
Views: 1400

Re: In a crash, will you re-balance to maintain your target

I'm reminded of an old Peanuts cartoon where Lucy is writing on a chalk board I WILL NOT TALK IN CLASS. I WILL NOT TALK IN CLASS. I WILL NOT TALK IN CLASS. and then at the end she adds ON THE OTHER HAND, WHO KNOWS WHAT I MAY DO? In 2007-2009 the only investments I had direct control over were in Van...
by telemark
Mon Jul 14, 2014 4:24 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4116

Re: Larry: 20 Dollar Bills and Factor Persistence

Telemark First I would never say what you put in quotations "I have a model that says this can't happen, therefore it will never happen." In fact I've written often that just because something hasn't happened doesn't mean it cannot or will not. I've also written often about not confusing ...
by telemark
Mon Jul 14, 2014 12:47 pm
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 82
Views: 6735

Re: Larry: 20 Dollar Bills and Factor Persistence

Questions like this make me wish I'd spent less time studying abstract algebra and computability theory and more time on plain old statistics. Without the necessary background to check Larry's work, I can only say that one should always be careful of arguments that say "I have a model that says...
by telemark
Mon Jul 14, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Larry: 20 Dollar Bills and Factor Persistence
Replies: 82
Views: 6735

Re: POLL: Walmart vs Amazon

I avoid both as much as possible.

Every time you click on the add to cart button, an Amazon warehouse worker gets an electric shock...
by telemark
Sat Jul 12, 2014 11:37 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 7960

Re: How I look at $ in the real world vs my retirement accou

It is all a matter of perspective. It is weird how I react to a fluctuation of $10 in the prices of, say, clothing or groceries when, comparatively, if I pay $100 for a car repair bill, it appears like I came away a winner. Just ask VictoriaF who recently rejigged her car ;-) Spending $100 to get a...
by telemark
Fri Jul 11, 2014 3:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5633

Re: Kiplinger: Why You Should Avoid Most Bond Index Funds

It's certainly true that the Barclay's index contains a lot of Treasuries, but the author makes no effort to explain why this is a bad thing, or how to decide how much is too much. On mortgage-backed securities he may have a point.
by telemark
Thu Jul 10, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Kiplinger: Why You Should Avoid Most Bond Index Funds
Replies: 32
Views: 6336

Re: How I look at $ in the real world vs my retirement accou

The title says it all. You don't actually have $ in your retirement accounts, you have shares in various funds. Do you have your house appraised every day to see how its value has changed?
by telemark
Thu Jul 10, 2014 4:34 am
 
Forum: Personal Finance (Not Investing)
Topic: How I look at $ in the real world vs my retirement accounts
Replies: 45
Views: 5633

Re: How many veteran investor have LARGE MAJORITY in three-f

My current 401K allocation resembles the Coffeehouse Portfolio , because that turns out to fit the funds available. I didn't plan it that way, but after I finished I looked at it and said "hey, guess what?" I do use a TSM index, POMIX, for the U.S. equities part, but the international allo...
by telemark
Wed Jul 09, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: How many veteran investor have LARGE MAJORITY in three-fund?
Replies: 56
Views: 3785

Re: List of Worst financial advice (what not to do):

If you can't afford it, take out a loan. It's the American way.

Bonds are just a drag on your portfolio.
by telemark
Wed Jul 09, 2014 5:52 am
 
Forum: Personal Finance (Not Investing)
Topic: List of Worst financial advice (what not to do):
Replies: 126
Views: 13611

Re: One Total Stock Market Index Fund or 3-4 Sub-Funds?

Wall Street's sales and marketing departments are there to convince you a non TSM portfolio - any non TSM portfolio - is sure to beat the market somehow. Really? Brokers want you to churn individual stocks, because that's where they get their commisions. Fund managers want to charge high expense ra...
by telemark
Wed Jul 09, 2014 5:04 am
 
Forum: Investing - Theory, News & General
Topic: One Total Stock Market Index Fund or 3-4 Sub-Funds?
Replies: 19
Views: 3372

Re: In Which Theories Should I Have Confidence?

In another thread I said the big mistakes in investing are failing to save, failing to diversify, and paying too much in fees. On reflection I want to add another one: getting too emotionally invested in your current approach. Signs of this are when you start feeling threatened when someone else mak...
by telemark
Tue Jul 08, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: In Which Theories Should I Have Confidence?
Replies: 43
Views: 4193

Re: Retiring without any Direction

My plan is to develop new interests as the years go by. I don't know what they'll be, but so far it's always worked.

Ten years ago I didn't know what an index fund was...
by telemark
Mon Jul 07, 2014 4:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Retiring without any Direction
Replies: 26
Views: 2036

Re: burning 1 lb is how many calories?

Cross country cyclists are not asking for weight loss advice here :) People debate the science of intense cardio vs. slow cardio, but for me intense cardio wins simply on grounds of time efficiency. Who has the time to do hours of anything? But there are simple ways to get your heart rate up for a f...
by telemark
Thu Jul 03, 2014 3:30 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5553

Re: burning 1 lb is how many calories?

I don't know if you will find this helpful, but I think looking at exercise as a way to burn calories is going at it the wrong way. Exercise produces beneficial changes in the body that contribute indirectly to losing weight, but it takes a dismaying amount of work to burn even a small number of cal...
by telemark
Thu Jul 03, 2014 9:43 am
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5553

Re: I am looking to switch IP providers.

You should also be aware that if you use a Comcast modem, by default Comcast will also operate it as a public wifi hotspot. That isn't necessarily a bad thing, but if you don't like the idea you will have to tell them to turn it off.

How do I disable/enable the XFINITY WiFi Home Hotspot feature?
by telemark
Wed Jul 02, 2014 9:23 pm
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 881

Re: Super Portfolio for Mum!

First, since I had to look it up, I'll say that this is presumably a reference to Superannuation in Australia : Superannuation in Australia refers to the arrangements which people make in Australia to have funds available for them in retirement. Superannuation in Australia is government-supported an...
by telemark
Wed Jul 02, 2014 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Super Portfolio for Mum!
Replies: 2
Views: 574

Re: Eneloop batteries in smoke detectors

bhsince87 wrote:Under the lithium type, the "small risk of explosion" part sounds a bit ominous....


Erm, yes. In the worst case, your smoke detector has just stopped working and your house is on fire :shock:

I have no idea how likely this is.
by telemark
Tue Jul 01, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1744

Re: Eneloop batteries in smoke detectors

When I was researching battery types I found the chart here very helpful.

http://michaelbluejay.com/batteries/
by telemark
Tue Jul 01, 2014 12:13 pm
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1744

Re: The IPO is dying - Marc Andreessen

And AOL bought Netscape. Is AOL still around? Not sure I'd count that as a missed opportunity.
by telemark
Tue Jul 01, 2014 11:44 am
 
Forum: Investing - Theory, News & General
Topic: The IPO is dying - Marc Andreessen
Replies: 16
Views: 1392

Re: burning 1 lb is how many calories?

In a community of body builders, people who are already pushing the limits of their ability to exercise, who monitor their diets closely, and where all other factors are probably being held constant, you are indeed going to see a very direct relationship between calories consumed and weight gained o...
by telemark
Tue Jul 01, 2014 11:43 am
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5553

Re: What is simple enough to understand, and therefore inves

The big mistakes in investing are failing to save, failing to diversify, and paying too much in fees. Avoid those and you'll probably be OK. The rest is stuff we argue about endlessly because the data is too noisy to provide clear answers.
by telemark
Mon Jun 30, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: What is simple enough to understand, and therefore invest in
Replies: 27
Views: 1889

Re: 401k help!

I find that sorting by expense ratios helps to clarify the choices: Morley Stable Value Fund - $23.63 - N/A - N/A Columbia Large Cap Index Z - $38.09 - 9.05% - 0.2 Fidelity Adv Freedom Income I - $11.22 - 4.43% - 0.51 Invesco Growth and Income Fund Y - $28.68 - 8.54% - 0.57 American Funds Balncd A -...
by telemark
Mon Jun 30, 2014 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k help!
Replies: 6
Views: 351

Re: burning 1 lb is how many calories?

The question is based on the flawed assumption of a linear relationship between calories burned and weight lost. The reality is more complicated than that. All models are wrong, but this one isn't even useful.
by telemark
Sat Jun 28, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5553

Re: Low Exp. Ratio 0.0018% - Am I missing something

Not out of line for company stock. The company stock fund in my old 401K is listed at 0.0077%. They probably don't have any expenses to speak of. But owning stock where you work is usually a bad idea. If they go bankrupt you're out of a job and you've lost your savings too.
by telemark
Thu Jun 26, 2014 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Exp. Ratio 0.0018% - Am I missing something
Replies: 23
Views: 2496

Re: What Book Are You Currently Reading? Part V

The Menace from Earth is a personal favourite-- ability to get into the mind of a smart ass (female) teenager. You have to go to Alexei Panshin Rite of Passage for rival (ROP is a homage to Heinlein, and a riposte- -to the extent that if fits as an essential part of the Heinlein canon). Fritz Leibe...
by telemark
Tue Jun 24, 2014 8:11 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 994394

Re: An Argument for Long Term Treasury Bonds

They also do well in panics of all kinds. When S&P downgraded U.S. debt in 2011, the market reacted by buying more treasuries. The main problem is probably that if the people who predict that interest rates will rise ever turn out to be right, long term bonds of all types will be the hardest hit...
by telemark
Tue Jun 24, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: An Argument for Long Term Treasury Bonds
Replies: 35
Views: 1844

Re: Are small and mid caps necessary?

They're nice to have if you can get them, but no, they're not necessary. There's a school of thought that maintains that investing in the total market at its exact capitalization will produce the best risk-adjusted return, if not in the past then certainly in the future. This may or may not be true,...
by telemark
Tue Jun 24, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are small and mid caps necessary?
Replies: 35
Views: 2369

Re: New 401k and not too thrilled with my options...

Good choice. Notice that total expense ratio as a weighted average is slightly over 0.20%, which is not bad at all.
by telemark
Tue Jun 24, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k and not too thrilled with my options...
Replies: 7
Views: 792

Re: [Poll] If all active funds have ER= 0.05%, will you buy

The goal is diversification at low cost. If a managed fund can give me that I will consider owning it. What I end up choosing will depend on what else is available. I own managed funds with much higher expenses because, well, you should see the other choices. But hypothetical questions are not very ...
by telemark
Mon Jun 23, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2660

Re: Cost of car compared to Gross Income

I'd guess around 23% (don't remember my income in 2006) but I had a check from the other driver's insurance company to cover about half of that. My first car was a ten year old VW my parents gave me, and I drove that another seven years until the brake lines rusted out. I've never taken out a car lo...
by telemark
Fri Jun 20, 2014 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4599

Re: The Death of Savings Bonds

"Nicest," no. I've done multiple rounds of medallion signatures and attempts to purchase bonds for both myself and my parents, and they still make it next to impossible. The returns just aren't enough to justify the hassle, cross-country trips to get documents signed, time waiting on hold...
by telemark
Tue Jun 17, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3460

Re: The Death of Savings Bonds

I haven't found the TD web site to be that difficult to use; certainly not a reason to avoid buying savings bonds. They do warn you not to use the back button, right on the opening page.

Making investment decisions based on who has the nicest web site doesn't seem like a very rational approach.
by telemark
Tue Jun 17, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3460

Re: Expense Ratio - what's too high?

The magic number is 0.06143%: anything below that will make you rich beyond your wildest dreams, but if you have to pay more you might just as well take your money out and burn it :) In reality it depends on a lot of things, including what other choices are available and how long you expect to hold ...
by telemark
Mon Jun 16, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2747

Re: Help with smoky condo sought

Another potential issue is if a neighboring condo dweller is still a smoker and there is air movement between units. I had this issue at one place I rented. You could tell when they lit up by the strength of smoke smell in the bathrooms (the bathrooms were along the shared wall). The owner/landlord...
by telemark
Sun Jun 15, 2014 12:01 am
 
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1462

Re: Help with smoky condo sought

I've had good results with an ozone generator, but I suspect my situation was less severe than yours. If you try this I'd suggest treating one room at a time. Run the generator on full for an hour or two and then let the room air out completely. Rinse and repeat as necessary... Cigarette smoke produ...
by telemark
Sat Jun 14, 2014 10:37 am
 
Forum: Personal Consumer Issues
Topic: Help with smoky condo sought
Replies: 15
Views: 1462

Re: Is the first million really the hardest?

At some point the gains and losses in your portfolio will start to outweigh your contributions. Where that point occurs depends on how early you start and how much you can afford to save. It also depends on the portfolio return. Not so much. Most people will be twenty to twenty-five years in before...
by telemark
Thu Jun 12, 2014 10:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7755

Re: What Book Are You Currently Reading? Part V

I won't defend Burroughs on literary grounds, but I'll admit that the disembodied heads in Chessmen of Mars still give me the creeps. The Barsoom books are interesting to read side by side with the Oz books: they were both written around the same time and with the same complete disregard for anythin...
by telemark
Thu Jun 12, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3098
Views: 994394

Re: Is the first million really the hardest?

At some point the gains and losses in your portfolio will start to outweigh your contributions. Where that point occurs depends on how early you start and how much you can afford to save. For me the first half million was the hardest. I'm still working on the second.
by telemark
Thu Jun 12, 2014 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Is the first million really the hardest?
Replies: 64
Views: 7755
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