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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: 903

Re: Air conditioning

When we visited my grandmother's house in Kansas City, she had fans in every room, the kind that automatically swivel back and forth. As a kid, I was fascinated by them.
by telemark
Thu Aug 21, 2014 2:08 am
 
Forum: Personal Consumer Issues
Topic: Air conditioning
Replies: 32
Views: 2033

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: 59
Views: 3975

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: 912

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: 912

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: 1290

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: 1290

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: 669

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: 860

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: 2376

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: 2248

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: 52
Views: 3085

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: 1553

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: 2584

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: 1998

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: 1553

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: 2292

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! [Telemarketing phone calls]
Replies: 97
Views: 5728

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: 3242

Re: GOLDMAN: A 'Dramatic Divergence' Is Coming To Stocks & B

Yawn. What do you call an expert with a prediction?
by telemark
Thu Aug 07, 2014 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: GOLDMAN: A 'Dramatic Divergence' Is Coming To Stocks & Bonds
Replies: 13
Views: 1460

Re: Your opinion of mint.com

I want to say they do not require you to reenter bank passwords after a reset of your Mint password. So that makes your hypothesis less likely. Clearly, they have to have a way to recover the plaintext passwords in order to communicate with the banks. One would hope they are not merely storing the ...
by telemark
Wed Aug 06, 2014 6:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 2929

Re: Your opinion of mint.com

At my big bank, Mint.com claimed that they didn't need to store my password, but I'm not sure what else they're storing instead. If it's a hash of my password, which I've seen mentioned in a few places, then that's not secure even though it may have been secure in the early 2000s for some purposes....
by telemark
Wed Aug 06, 2014 3:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 2929

Re: average American eats out 203 times per year

It's a rare day when I don't eat out at least once. Breakfast is the only meal I always cook at home. Weighed in this morning at 135 lbs :D

If I buy a rotisserie chicken and take it home, is that considered eating out?
by telemark
Tue Aug 05, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: average American eats out 203 times per year
Replies: 105
Views: 6375

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 aga...
by telemark
Tue Aug 05, 2014 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Footwear in Vietnam
Replies: 25
Views: 2112

Re: REITS-worth the time to add 10% into portfolio

U.S. REITs have a decent record of acting as a diversifier, keeping in mind that sometimes diversification works against you. Don't hold them in a taxable account. International REITs are still too new to evaluate.
by telemark
Mon Aug 04, 2014 11:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: REITS-worth the time to add 10% into portfolio
Replies: 33
Views: 2636

Re: Yet another 401k asset allocation question

I find that sorting by expense ratios often clarifies the situation: SPTN TOT MKT IDX INS (FSKTX) 0.07% SPTN US BOND IDX IS (FXSTX) 0.07% VANG INFL PROT INST (VIPIX) 0.07% SPTN INTL INDEX INS (FSPNX) 0.10% FID RET GOVT MM (FGMXX) 0.42% FID FREEDOM K INCOME (FFKAX) 0.44% FID FREEDOM K 2005 (FFKVX) 0....
by telemark
Mon Aug 04, 2014 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yet another 401k asset allocation question
Replies: 9
Views: 465

Re: Fidelity 401k choices

For once I'm going to disagree with livesoft. Costs matter, and ACITX is ten to twenty basis points cheaper than any of the Freedom funds. As long as you can fit it into the rest of your asset allocation I would go with that. If you want a set-and-forget fund, FBALX is still cheaper than most of the...
by telemark
Mon Aug 04, 2014 6:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices
Replies: 8
Views: 829

Re: Lower Expense Ratio vs. Better Diversification

Your four fund portfolio is diversified enough, in my opinion, and it's significantly cheaper. I would go with that. And look into opening a Roth IRA if your income is under the limit for that.
by telemark
Sun Aug 03, 2014 5:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Lower Expense Ratio vs. Better Diversification
Replies: 9
Views: 875

Re: Arthur Murray Dance Lessons

I tried them in about the same era. They were very pushy about sales, and the instructor was a sleazeball who made me uncomfortable. I was there to learn more about how to dance, not to "make a connection." Mm. Some things look deceptively simple. In golf, you hit the ball and it goes in ...
by telemark
Sat Aug 02, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 18
Views: 907

Re: Arthur Murray Dance Lessons

What does the program cost ( we asked and they said it depends) Yes, withholding information is one of the ways they try to manipulate you. They also try to wall their students off from the competition; having a proprietary syllabus helps with that. You can think of them as the Apple of the ballroo...
by telemark
Sat Aug 02, 2014 7:44 pm
 
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 18
Views: 907

Re: Arthur Murray Dance Lessons

My experience with Arthur Murray is fifteen years out of date, but it sounds as if they haven't changed much. They have some very good instructors, and also some kids who have just finished six weeks of instruction. You can probably guess which ones the beginning students get (on the other hand, you...
by telemark
Sat Aug 02, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Arthur Murray Dance Lessons
Replies: 18
Views: 907

Re: Body by Science Workout

Clarence Bass has a good site on the benefits of exercise at older ages. Lots of information and he keeps up with the research.

http://www.cbass.com
by telemark
Fri Jul 25, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Body by Science Workout
Replies: 239
Views: 25154

Re: Tennis Players?

I've never tried tennis, but speaking as a 54-year-old who just took up longboarding, my advice is to pace yourself. Especially at the beginning, which of course is just when your enthusiasm is at its peak. Your body doesn't adapt as easily as it used to, and little pains that you could just train t...
by telemark
Fri Jul 25, 2014 6:28 pm
 
Forum: Personal Consumer Issues
Topic: Tennis Players?
Replies: 5
Views: 738

Re: Computer Fried By Lightning - Security Question

For OS X, you can use FileVault on the whole disk or create encrypted folder images. For details see http://osxdaily.com/2013/05/22/filevault-disk-encryption-mac/ http://osxdaily.com/2012/08/12/encrypt-folders-mac-os-x/ Also consider adding an external drive for your sensitive data (also good for ba...
by telemark
Fri Jul 25, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: Computer Fried By Lightning - Security Question
Replies: 15
Views: 1219

Re: How to interpret the bond news

richard wrote: Ignore the article. It's pure financial porn.

Good entertainment, though. I can't decide which I like better, "pigs at the bond trough" or "mignons of the fed."
by telemark
Fri Jul 25, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: How to interpret the bond news
Replies: 5
Views: 800

Re: Help selecting bond fund for 401k

If neither of those sounds like exactly what you want you can very easily combine them: in your place I'd probably split them 50/50, or maybe 75% PTTRX to 25% stable value. Thanks, I see what you are saying, but would a 0.46 E/R and 0.47 E/R put together not be too high? The way to combine expense ...
by telemark
Thu Jul 24, 2014 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help with 401k
Replies: 17
Views: 1327

Re: Help selecting bond fund for 401k

This looks like a straightforward trade-off between risk and reward. PTTRX has generally produced higher returns than Total Bond but with more volatility. Also, it's an actively managed fund whose manager has a history of making big bets that don't always pay off. In contrast a stable value fund sho...
by telemark
Thu Jul 24, 2014 3:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help with 401k
Replies: 17
Views: 1327

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: 5859

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: 50
Views: 3936

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: 3167

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: 1153

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: 1153

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: 2083

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: 5859

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: 5859

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: 276

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: 7277

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: 9548

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: 25
Views: 2112

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: 4257
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