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Re: External backup drives - Seagate vs Western Digital

I don't have any personal experience, but I notice the Wirecutter recommends buying an empty NAS enclosure and filling it with drives you buy separately. They explain their reasoning here http://thewirecutter.com/reviews/zyxel-nsa310-best-cheap-nas/
by telemark
Mon Sep 15, 2014 4:03 am
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 26
Views: 1365

Re: Glitchy Web-Browsing

retiredjg wrote:I have a couple of user accounts. I tried them and the guest account - all have the problem.

Ok, that eliminates user settings, so it's probably something with your new ISP, or possibly your wifi network. Did your new provider give you a new router or modem?
by telemark
Sat Sep 13, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 903

Re: Glitchy Web-Browsing

Create a new OS X user account, log in to that, and see if you have the same problems there. This should tell us if the problem is something in your user settings or, as seems more likely, something to do with your new "internet source." To create a new account, go to System Preferences an...
by telemark
Sat Sep 13, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Glitchy Web-Browsing
Replies: 21
Views: 903

Re: Buffett: Modern investment theory is horse-pucky

Did your professor also mention Galloping Gertie ? I don't remember him doing so but I watched a great documentary on it. To be fair to the designers they were really pushing the state of the art at that time, still it stands as a pretty substantial warning not underestimate the value of safety fac...
by telemark
Sat Sep 13, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 8695

Re: Buffett: Modern investment theory is horse-pucky

When I was going to college for engineering back in the early 90s I had a professor who described the profession this way "An engineer is someone who can do for $1 what any idiot could do for $2". His classic example was bridge building since you could build a bridge fairly simply by drop...
by telemark
Fri Sep 12, 2014 7:34 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 8695

Re: The dangerous practice of rebalancing...

The dangerous practice of rebalancing hasn't only been blessed by Congress, but has been mandated by law. The Pension Protection Act of 2006 specifies that those with 401(k)'s who don't make an investment choice are forced into one of the following: These are strange new meanings for mandated and f...
by telemark
Fri Sep 12, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: The dangerous practice of rebalancing...
Replies: 165
Views: 9321

Re: Buffett: Modern investment theory is horse-pucky

MPT is a useful framework for thinking about investments and markets, even though it is almost certainly not correct in every detail. As one speaker at an engineering conference I attended said in a plenary lecture, "A theory doesn't have to be right to be useful." Not completely right, a...
by telemark
Fri Sep 12, 2014 4:17 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 8695

Re: Citi: Just use leverage for 10% bond returns

If you want to see the effects of bond leverage, about 5x or 6x, just follow some mortgage reits. A mortgage reit ETF is MORT. Paul Hilarious ticker symbol if you speak French. :) Made me look :happy According to Google , mortgage derives from the old French for "death pledge." Further br...
by telemark
Thu Sep 11, 2014 9:16 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 2845

Re: Good Modern Science Fiction

Jack Vance is not exactly "modern" -- though he was publishing into the 2000s when he was in his 90s. Still, I cannot recommend him highly enough. He's one of that rare cadre of science fiction writers who are remarkable for their writing ability as well as for their ideas. A unique Engli...
by telemark
Thu Sep 11, 2014 6:44 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 123
Views: 4628

Re: Citi: Just use leverage for 10% bond returns

How do you do that when you invest into (normal) bonds ? Bonds give you some 2-4 % right now - where can you borrow money for less than you get back from a bond.....(and why would the bank not do that on their own) ? I know a guy who used to talk about doing this with credit cards, back when compan...
by telemark
Thu Sep 11, 2014 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 2845

Re: Buffett: Modern investment theory is horse-pucky

"The market" is not perfectly efficient. It tends towards efficiency, but there are also sources of inefficiency. Some parts are more efficient than others. Which market do you mean, anyway? EMH says you can?t beat the broader market because it's always perfectly priced. If that's how they...
by telemark
Thu Sep 11, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett: Modern investment theory is horse-pucky
Replies: 119
Views: 8695

Re: Citi: Just use leverage for 10% bond returns

More precisely, they're saying that if for some reason you insist on leveraging bonds, it's safer to leverage junk bonds than it is to leverage Treasuries or investment grade bonds. A surprising result, as they also mention.
by telemark
Wed Sep 10, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 2845

Re: Bank Closing My Account With No Reason Given

But surely they could've tried to contact me if they had any concerns? Shown some consideration for the fact that I've been banking with them for a decade. It's a bank :( For a worldwide bank with many physical branches in Asia, I like HSBC. For what it's worth, I tried to close my savings account ...
by telemark
Tue Sep 09, 2014 11:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Bank Closing My Account With No Reason Given
Replies: 38
Views: 3866

Re: Should you care about risk-adjusted returns?

Hmm. Reducing a complex problem to a single number (which happens to be conveniently easy to measure) and then focusing exclusively on maximizing that number. Is this ever a good idea?

See also maximizing expected return.
by telemark
Mon Sep 08, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Should you care about risk-adjusted returns?
Replies: 13
Views: 796

Re: Proper Way To Wear Suspenders

Phineas J. Whoopee wrote:In the words of the late Justin Wilson, Cajun chef and professional member of the American Society of Safety Engineers:
I wear a belt and suspenders. I take no chances, I guarantee.

Here's to you, Justin, wherever you are. :sharebeer

PJW


:thumbsup The right kind of engineer.
by telemark
Sat Sep 06, 2014 8:42 pm
 
Forum: Personal Consumer Issues
Topic: Proper Way To Wear Suspenders
Replies: 27
Views: 1590

Re: Six-Figure Incomes—and Facing Financial Ruin [WSJ articl

My point is that computers did not have bad days when credit card companies extended credit to Flores after her first bankruptcy. The creditors took a calculated risk that the fees they would collect from Flores and other borrowers like her would exceed losses from occasional bankruptcies. And the ...
by telemark
Sat Sep 06, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Six-Figure Incomes—and Facing Financial Ruin [WSJ article]
Replies: 59
Views: 9173

Sweeping generalizations

I think it's more useful to focus on what lazy portfolios and the three fund portfolio have in common -- diversification, low costs, using index funds where practical, not timing the market -- than it is to speculate on the motives of people who were, in many cases, writing years before the three fu...
by telemark
Thu Sep 04, 2014 3:35 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6489

Re: Home Depot Breach - zip codes revealed

The code to check is the one for the store you go to, this may be different than your home zip code (it is in my case).
by telemark
Thu Sep 04, 2014 3:14 pm
 
Forum: Personal Consumer Issues
Topic: Home Depot Breach - zip codes revealed
Replies: 36
Views: 4644

Re: General Direction & Help

The Core Plus Bond Fund is probably PIMCO Total Return, PTTRX. We kick it around here from time to time but it's a decent choice. You won't go very wrong with it and you might do very well. Besides, it's the only bond fund in the plan. You might move a portion of that to the Stable Value Fund, depen...
by telemark
Wed Sep 03, 2014 6:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: General Direction & Help
Replies: 4
Views: 419

Re: Coin Counting Machines

I just use the coins I have the next time i go to the store. That way I never have more than $1 in coins. This of course is only for two places, Aldi is one, that don't take credit cards. Me too, though I've noticed lately that a lot of cashiers get confused when you give them extra coins. I always...
by telemark
Wed Sep 03, 2014 3:36 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4033

Re: Determining who makes it past age 90?

This is another case where a good process doesn't guarantee a good outcome. It's not good to be skinny when you're old. You need enough strength to be able to move around and do ordinary things easily. Too much or too little weight can interfere with that. And maintaining muscle mass gives your body...
by telemark
Tue Sep 02, 2014 12:09 pm
 
Forum: Personal Consumer Issues
Topic: Determining who makes it past age 90?
Replies: 32
Views: 1904

Re: Will Bill Gross beat the Total Bond Market Index?

"Everyone knows" that interest rates must go up real soon now. They still haven't, years after Everyone Knew they had to, but that's beside the point: since everyone knows it, it's already priced into the market and hence the index. To beat the index a manager has to know, or guess, someth...
by telemark
Mon Sep 01, 2014 8:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 31
Views: 2792

Re: Online Security: Are there any sites you do not trust?

Any cloud service, including but not limited to Apple's iCloud.
by telemark
Mon Sep 01, 2014 7:06 pm
 
Forum: Personal Consumer Issues
Topic: Online Security: Are there any sites you do not trust?
Replies: 14
Views: 1500

Re: Will Bill Gross beat the Total Bond Market Index?

Will Gross beat the index? I don't know, tune in next decade to find out. What I do know is that the fund will collect its expenses either way.
by telemark
Mon Sep 01, 2014 7:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 31
Views: 2792

Re: Does anyone have 'Lazy Portfolios'?

One thing I'm curious about is the core portfolios the site recommends have TIPS instead of Total Bond Market. Can someone explain why this may or may not be a better allocation to the portfolio? [Edited] to clarify my question? The only reference I can find on that is an article by Scott Burns fro...
by telemark
Sun Aug 31, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Does anyone have 'Lazy Portfolios'?
Replies: 85
Views: 6489

Re: Editing files stored on a Mac from a Chromebook - Dual b

For an old school approach install a secure shell client on the Chromebook, log into the Mac, and edit your files with emacs or vi.
by telemark
Sun Aug 31, 2014 11:23 am
 
Forum: Personal Consumer Issues
Topic: Editing files stored on a Mac from a Chromebook - Dual boot?
Replies: 14
Views: 591

Re: Trip to the Caribbean - Suggestions

There are two kinds of islands in the Caribbean: coral reefs and volcanos. As you might guess, the coral islands are flat while the volcanic islands often have some respectable heights inland. I've been to Aruba, which is coral and barely rises above sea level. My personal opinion: after seven days ...
by telemark
Fri Aug 29, 2014 3:52 pm
 
Forum: Personal Consumer Issues
Topic: Trip to the Caribbean - Suggestions
Replies: 39
Views: 2585

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

There's some room for interpretation in the quoted example, but as I read it any additional payment goes into what amounts to a separate holding account. The money in the holding account is applied to future payments as they come due, unless it exceeds 3 * the payment amount and then any excess is u...
by telemark
Wed Aug 27, 2014 4:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 1036

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

If I make a payment for more than my monthly payment, how will the additional amount be applied to my account? Any additional amount is applied to future payments, up to the next 3 payments, unless otherwise required by law. Any remaining amounts will be applied to the principal balance owed on you...
by telemark
Wed Aug 27, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 1036

Re: Savers vs. Spenders: Default Mode

Money's purpose (or telos, in the philosophical sense) is to be spent. I want to "enjoy" every dollar that I spend, because I use it to provide for my needs and to give me the pleasure of the things that I want. If I don't enjoy spending my money, then the money hasn't served its purpose....
by telemark
Wed Aug 27, 2014 11:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Savers vs. Spenders: Default Mode
Replies: 34
Views: 2233

Re: What Book Are You Currently Reading? Part V

Friday , by Robert A. Heinlein. I already had it in paperback, so I thought it was worth a try. The opening was interesting, but then he dropped down to the stereotypical female attitudes that I despised in I Will Fear No Evil . That's the usual pattern for late Heinlein. A rattlingly good start, e...
by telemark
Tue Aug 26, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3338
Views: 1143984

Re: Juice up your cash returns (!) [What do you consider cas

My mix of I Bonds and FDIC insured savings accounts yields over 1% with no default risk. If I wanted to juice that up I'd start shopping for CDs. He's right that money market funds are a good thing to avoid.
by telemark
Tue Aug 26, 2014 11:35 am
 
Forum: Investing - Theory, News & General
Topic: Juice up your cash returns (!) [What do you consider cash?]
Replies: 11
Views: 2199

Re: "including the possible loss of the money you invest"

As part of Vanguard's program of cost cutting, they are replacing five dollar words with shorter, less expensive ones :happy
by telemark
Thu Aug 21, 2014 6:14 pm
 
Forum: Investing - Theory, News & General
Topic: "including the possible loss of the money you invest"
Replies: 4
Views: 958

Re: Subaru Blues

Toons wrote:Consider a Toyota or Honda :happy

Sudden acceleration? Transmission failures? Some auto makers are better than others, but none of them is perfect.
by telemark
Thu Aug 21, 2014 2:04 am
 
Forum: Personal Consumer Issues
Topic: Subaru Blues
Replies: 87
Views: 7942

Re: Do-It-Yourself Waxing (Hair Removal) [help needed]

I used it a few years ago and then got lazy and stopped. It's a pretty tedious process; I can see why people pay salons to have it done. I used to figure one and a half jars to do everything, but your mileage may vary. Moom keeps forever, so I'd buy in bulk to get free shipping. For those of us with...
by telemark
Tue Aug 19, 2014 11:06 am
 
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 941

Re: Do-It-Yourself Waxing (Hair Removal) [help needed]

Look into Moom. Trade Secret carries it, or you can order it online. You can warm it in a microwave or use a hot plate.
by telemark
Tue Aug 19, 2014 5:03 am
 
Forum: Personal Consumer Issues
Topic: Do-It-Yourself Waxing (Hair Removal) [help needed]
Replies: 6
Views: 941

Re: Home audio system -- bluetooth speakers vs Sonos

sunnyday wrote: Can the Sonos app play music from pretty much any app including Songza and YouTube?

Songza yes, YouTube no*. The list of supported services is at http://www.sonos.com/music.

* There are work-arounds, but they're a lot of trouble.
by telemark
Mon Aug 18, 2014 12:03 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1333

Re: Home audio system -- bluetooth speakers vs Sonos

You're comparing two very different things, so the question of which is better depends on what you plan to do with it. Sonos is very good at what it does (I love my system), but not everyone needs what it does best. I haven't listened to the Anker speaker, but the price is definitely right and even ...
by telemark
Sun Aug 17, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Home audio system -- bluetooth speakers vs Sonos
Replies: 15
Views: 1333

Re: Help selecting a bond fund from my 401k

Another option: a mixture of short and long government bonds in account 1 that averages to an immediate duration. I'm not sure exactly how to do the arithmetic on this, but that's how Total Bond works: it's classified as intermediate duration but actually contains a mixture of durations.
by telemark
Sat Aug 16, 2014 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 703

Re: [Help with I-bonds vs. TIPS]

It may be a good idea but I don't think it fits with the principles behind Swensen's portfolio design. The price of TIPS fluctuates in response to market conditions: I-bonds do not exhibit this behavior. You'll have to decide if this matters to you. I'm following Swensen's Yale U allocation in my Ro...
by telemark
Thu Aug 14, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Help with I-bonds vs. TIPS]
Replies: 7
Views: 874

Re: Why is Bank of America so hated?

Some of it follows from BOA's acquisition of Countrywide and the subsequent foreclosure practices that might be politely described as aggressive. They also have a habit of reordering transactions to generate overdraft fees; if you deposit money and then make a withdrawal on the same day they might c...
by telemark
Wed Aug 13, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2447

Re: Principles for Changing Asset Allocation & Splicing

I went through a series of portfolios in the last five years, in response to improving knowledge (I started out knowing nothing), changes in my plan at work (switched from Ameriprise, yay cubed!), and a certain amount of fad chasing. One of the problems with tax advantaged accounts is how easy they ...
by telemark
Wed Aug 13, 2014 11:21 am
 
Forum: Investing - Theory, News & General
Topic: Principles for Changing Asset Allocation & Splicing
Replies: 29
Views: 2320

Re: Motorcycle for short commute?

The heat will presumably solve itself in a few months, so maybe look at renting a beater for that period? Something cheap, but with air conditioning. I have no idea what that might cost, so it's just a thought.
by telemark
Tue Aug 12, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Motorcycle for short commute?
Replies: 63
Views: 3748

Re: Post interleaving

Son't, please just don't, put responses inline in somebody else's quote, even if using a different color or size or whatever. Doing so makes it much more difficult to write a post referring to the response using correct attribution. I suppose if somebody were trying to limit responses it might be a...
by telemark
Tue Aug 12, 2014 4:02 am
 
Forum: Forum Issues and Administration
Topic: Post interleaving
Replies: 33
Views: 1714

Re: Help with massive debt repayment

yo gabbapentin wrote: I've read all the Ramsey stuff, and it just seems backwards to my thinking to pay off little loans first, as they accrue so much less interest.

I think Ramsey's advice is mostly behavioral, but paying off a loan completely also improves your liquidity. Probably neither of
these applies to you.
by telemark
Mon Aug 11, 2014 10:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Help with massive debt repayment
Replies: 27
Views: 2710

Re: Two factor identification and your password safe

There have been attacks on two-factor authentication that involve installing malware on your phone. I don't recall if they were proof of concept or actual bad guys in the wild. There is no complete safety, but I think a random 24-character password is pretty safe, if it is truly random. Do you reall...
by telemark
Mon Aug 11, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Two factor identification and your password safe
Replies: 31
Views: 2058

Re: Post interleaving

I find that point-by-point-by-point-by-point comments tend to be unnecessarily argumentive*, and besides I'm lazy. When I'm replying to a specific message I try to quote enough to provide context, but I prefer general comments in most cases. * And if the guy's really wrong about that many things it ...
by telemark
Sat Aug 09, 2014 8:29 pm
 
Forum: Forum Issues and Administration
Topic: Post interleaving
Replies: 33
Views: 1714

Re: Poll: What's the name of Argentina's stock market?

You may select 1 option

As an indexer my preference would be to choose all of them...
by telemark
Sat Aug 09, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What's the name of Argentina's stock market?
Replies: 37
Views: 2446

Re: Telephone Calls! Help!

At one time (I don't know if it still exists now), there was an answering machine product that would automatically play the tri-tone for a disconnected number (called SIT) at a low volume (supposedly low enough that a human caller would not notice but a machine would notice). I can't recall what th...
by telemark
Fri Aug 08, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7132

Re: Dilbert Creator: If everyone indexed...

You didn't quote the part where he says If everyone bid up the price of stocks and agreed to keep them high, prices could stay there indefinitely. and then proceeds to reason (if reason is the operative word) his way to But your potential stock gains are suppressed because so many other people are u...
by telemark
Thu Aug 07, 2014 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dilbert Creator: If everyone indexed...
Replies: 28
Views: 3271
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