Search found 1221 matches

by telemark
Tue Jun 30, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 57
Views: 2959

Re: TIPS - Did you give up?

TIPS are intended to protect against unexpected inflation, I keep seeing this statement.To me,TIPS are intended to keep pace with actual Inflation.All future inflation is unpredictable. Yes, but expected inflation is priced in, so in an efficient market you would do as well in nominal bonds. I own ...
by telemark
Tue Jun 30, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 22
Views: 1793

Re: How to use SSD computer

I use a desktop at work with a 100GB SSD, and I spend a lot of time looking for old files to delete. It's very fast, at least until the drive fills up, but I wish they'd included another slower drive with more capacity. The point is that SSD is expensive. Some people pay extra for the speed, and oth...
by telemark
Mon Jun 29, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 12
Views: 1077

Re: Can you simply change the music file structure in iTunes?

If this is on Windows, I believe that mp3tag can do the rearranging for you. To rebuild the index afterwards, you should be able to point your player at your new directory structure and tell it to index everything it finds. By default iTunes will want to rearrange everything again, but there are som...
by telemark
Sun Jun 28, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 813
Views: 136020

Re: What Book Are You Currently Reading? Part VI

Terry Pratchett's _Raising Steam_. I'm not a Pratchett completist (unlike some members of my family), but I've read enough to understand that he uses the Discworld as a platform for whatever he wants to write about. In this case what he wanted to write about seems to be mostly politics. I don't part...
by telemark
Sun Jun 28, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 146774

Re: What Movie Have You Recently Watched?

Hansel and Gretel: Witch Hunters. I watched this one because it disappears from Netflix in a few days, and it was better than I expected. I think it would have been better with a little less emphasis on all the action scenes. There's a decent story there, but it needs more room to breathe.
by telemark
Sat Jun 27, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 2896

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Set it out on the curb and put a large sign on it that says "Still works -- FREE!" May or may not work, but worth a try. There's been one of those, including the "still works" part, on the opposite side of my street for at least three weeks now. I just checked: it's still there....
by telemark
Sat Jun 27, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5171

Re: Squirrel nemesis

If all else fails, I suggest watching https://www.youtube.com/watch?v=gtI1pWkHto0 and reflecting on how much worse things could be.
by telemark
Wed Jun 24, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6277

Re: Do I need to keep my landline number?

I'm wearing a heart monitor this week, and it requires a landline to transmit the data to the monitoring company. It uses an acoustic coupler, with a little speaker that squeals into the microphone, so digital lines won't work. Not a problem for most people, but something to be aware of.
by telemark
Tue Jun 23, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 13310

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

To be precise, owning REIT stock is an unleveraged investment in a leveraged business. You may lose everything you invested, but not everything you borrowed, because you didn't borrow anything. It isn't comparable to leveraging stocks, where you can easily lose more than you started with. But you do...
by telemark
Tue Jun 16, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 2520

Re: Call from debt collector, should I follow up

I get calls like this from time to time (I have no debt) and when I do a web search on them they always appear to be scams. As does this one.

Block the number, if your carrier supports that, and get on with your life.
by telemark
Sun Jun 14, 2015 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Value Tilt Portfolio Allocation
Replies: 11
Views: 1326

Re: Value Tilt Portfolio Allocation

The author's conclusions are false because his 3 assumptions are not quite true. Anomalies exist. All you would need to do is screen out IPOs and very small growth stocks and you have a more-efficient-than-TSM portfolio. If you assume a perfectly efficient market than it naturally follows that TSM ...
by telemark
Sat Jun 13, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 41
Views: 3914

Re: Rebalancing

I started saving and investing for retirement c. 1980. I based my strategy on Malkiel's book A Random Walk Down Wall Street , which I read c. 1981-82. I think I had the first edition from 1973. I don't recall anything in the book about rebalancing. Malkiel said invest on the S&P500 Index or equ...
by telemark
Fri Jun 12, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 2955

Re: Which is a best place to start learning yoga?

A good teacher is better than a video because the teacher can make corrections, offer suggestions, answer questions, etc. People study yoga for many reasons. A good teacher will understand this, work with you, and accomodate any physical limitations you may have. Sadly, some teachers are not good, b...
by telemark
Fri Jun 12, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401K's and Expense ratio's
Replies: 8
Views: 726

Re: 401K's and Expense ratio's

The total expense ratio is the weighted average of the individual ratios. See https://en.wikipedia.org/wiki/Weighted_arithmetic_mean I set up a spreadsheet for this when I'm exploring different fund choices. P.S. The match you're getting makes higher expenses more tolerable, but lower is still better.
by telemark
Thu Jun 11, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 7791

Re: Chromebooks- What is the lure?

I have a Samsung Chromebook that I take with me when traveling. It's perfect for that: small and light and if I lose it somehow it's no great loss. Other than that I don't use it much. I don't like the screen and I have a better computer at home.
by telemark
Thu Jun 11, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 4861

Re: Non-Bogleheads approach to changing cars?

I think your approach is perfectly reasonable. Keep a car until it no longer meets your needs, either because it has become unreliable or because your needs have changed.

Trying to anticipate your needs years in advance would be akin to market timing :)
by telemark
Wed Jun 10, 2015 9:51 am
Forum: Investing - Theory, News & General
Topic: Why Stocks are not "cheap" relative to bonds
Replies: 17
Views: 2445

Re: Why Stocks are not "cheap" relative to bonds

JoMoney wrote:I find it difficult to call Hussman a "contrarian".
It was a careless choice of words on my part. But he does seem to be disagreeing with *someone*, and I'm always interested on counter-arguments.
by telemark
Wed Jun 10, 2015 4:17 am
Forum: Investing - Theory, News & General
Topic: Why Stocks are not "cheap" relative to bonds
Replies: 17
Views: 2445

Re: Why Stocks are not "cheap" relative to bonds

Jcraz13 wrote:Certainly he is selling something, I think he just makes a point for having diversification and a good AA.

He's explaining why he missed the runup since 2009. But a contrarian view is always welcome, especially when you hear someone saying "all the experts agree."
by telemark
Mon Jun 08, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 280
Views: 40334

Re: William Bernstein-When you've won the game, why keep playing

[Note: I don't like the gambling analogy entirely because in gambling the house has the odds on its side, and is guaranteed to take more money from gamblers than they win, on average, while investors can all get wealthy slowly and together.] There are other differences. In a casino game the odds ca...
by telemark
Mon Jun 08, 2015 10:53 am
Forum: Investing - Help with Personal Investments
Topic: REIT Index Fund - Is Now a Good Time?
Replies: 14
Views: 1985

Re: REIT Index Fund - Is Now a Good Time?

I rebalanced out of REIT in January, and new money since then has been mostly going back into REIT, at progressively lower prices. I'm OK with that, but some people would talk about falling knives. You need to decide what kind of investor you are. How will you feel if you buy and the price goes lower?
by telemark
Sat Jun 06, 2015 11:37 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein-When you've won the game, why keep playing
Replies: 280
Views: 40334

Re: William Bernstein-When you've won the game, why keep pla

I dislike this phrase, "won the game." First, it's overused. Second, and more problematic, it doesn't work. And it makes me cringe. "Winning" denotes victory in a contest against others -- competition is explicit in the words and the phrase. The phrase doesn't work in the invest...
by telemark
Sat Jun 06, 2015 8:44 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 146774

Re: What Movie Have You Recently Watched?

Roundabout wuxia. I wondered if How to Train Your Dragon is on Netflix. It isn't, but I did find Flying Swords of Dragon Gate, a Tsui Hark movie with Jet Li. Not very far in I found myself thinking "I've seen this story before", and I had: it's a remake of a 1992 movie also produced by Tsu...
by telemark
Sat Jun 06, 2015 11:44 am
Forum: Personal Consumer Issues
Topic: Paypal and robocalls & texts
Replies: 7
Views: 661

Re: Paypal and robocalls & texts

In the specific case of Rachel, she just dials numbers at random. This is illegal but Rachel* doesn't care. But yeah, this is pretty egregious. I especially like the bit about any telephone number that you have provided us or that we have otherwise obtained Personally I've found that not having a Pa...
by telemark
Thu Jun 04, 2015 10:57 am
Forum: Personal Consumer Issues
Topic: Home Network Security - Minecraft
Replies: 12
Views: 1197

Re: Home Network Security - Minecraft

Interesting question. Warning: I am not a network administrator, though I've picked up enough to be occasionally dangerous. One thing you might try is to configure router 2, or a third router you just use for this, not as an access point but as a router downstream from router 1. Ideally, computers c...
by telemark
Wed Jun 03, 2015 3:35 am
Forum: Investing - Theory, News & General
Topic: Global Market is the optimal portfolio. Do you follow that rule?
Replies: 43
Views: 3223

Re: Global Market is the optimal portfolio. Do you follow that rule?

The enemy of a good plan is the dream of an optimal plan. The one I have now is good enough, and it uses the funds available to me.
by telemark
Mon Jun 01, 2015 11:19 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers
Replies: 41
Views: 3256

Re: Ad Blockers

I switched to ublock after reading this thread, and I've been happy with it. However, it appears as if they have just changed some settings that now allow it to alter privacy settings. So google has flagged it. However, reading the developers explanation, it sounds like these features have been the...
by telemark
Sun May 31, 2015 1:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 931
Views: 146774

Re: What Movie Have You Recently Watched?

Tomorrowland reminds me a bit of Philip Dick. Not as overtly as the Matrix movies did, but it has the same wild originality, disdain for scientific credibility, and ability to get you halfway or more into the story without having the slightest idea what is going on or even what kind of story it's go...
by telemark
Sun May 31, 2015 11:25 am
Forum: Investing - Theory, News & General
Topic: Paul Farrell`s 8 lazy portfolios
Replies: 16
Views: 3424

Re: Paul Farrell`s 8 lazy portfolios

Scott Burns tracks some of the same portfolios at http://assetbuilder.com/lazy_portfolios/ . The main page covers his Couch Potato series, but you can click on the "More Portfolios" menu to find the others. It doesn't update as often as the Marketwatch page did but it includes standard dev...
by telemark
Sun May 31, 2015 3:20 am
Forum: Investing - Theory, News & General
Topic: Paul Farrell`s 8 lazy portfolios
Replies: 16
Views: 3424

Re: Paul Farrell`s 8 lazy portfolios

The thing I always notice, looking at those portfolios, is that almost all the performance can be explained by looking at the stock/bond mix. When you're five years into a huge bull market the allocations with more stocks will naturally look better.
by telemark
Sun May 31, 2015 3:10 am
Forum: Personal Consumer Issues
Topic: All-in-one Printer Recommendation
Replies: 41
Views: 2852

Re: All-in-one Printer Recommendation

For what it's worth, I once fixed a misbehaving HP all in one printer by removing the ink cartridge, glaring at it, and putting it back in (the glaring part was probably unnecessary). I got the idea by doing a Google search on the printer model and the exact error message, so that's what I suggest h...
by telemark
Sun May 31, 2015 2:48 am
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

What Fischer Black was referring to in his statement was that a decision to overweight or underweight certain subsets of the market carries the risk that your portfolio will underperform the market. You have thereby added that risk to your portfolio. With any allocation one chooses there is the pos...
by telemark
Sat May 30, 2015 2:34 pm
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

There seems to be an idea floating around that holding market weights somehow minimizes risk. I don't think this holds up under examination and counterexamples are not hard to find. In stocks you can reduce volatility by eliminating small caps. In bonds you can easily adjust risk up or down by looki...
by telemark
Sat May 30, 2015 11:33 am
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Couple of points. First, it costs more to invest in niche asset classes. How much more depends on which investment vehicles you decide to use. And management fees aren't the only cost factor; there is the matter of turnover and trading costs which can be considerably more than the management fees. ...
by telemark
Fri May 29, 2015 11:39 pm
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Couple of points. First, it costs more to invest in niche asset classes. How much more depends on which investment vehicles you decide to use. And management fees aren't the only cost factor; there is the matter of turnover and trading costs which can be considerably more than the management fees. ...
by telemark
Fri May 29, 2015 6:47 pm
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

"To capture gains, you have to spend money on active management and you must bear the risks of a less-than-fully-diversified portfolio". It seems about that simple, doesn't it? You can implement a slice and dice portfolio with index funds very cheaply, so the first part isn't true. For th...
by telemark
Fri May 29, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"
Replies: 61
Views: 5587

Re: "Are You Devoting Too Much Time (and Money) to Niche Asset Classes?"

Just for the sake of argument... 6% of the total stock market is still 6% of a very large and diversified market, far better than owning individual stocks. How much diversification do you need? Also note that even the total market indexes don't own every stock in the market. They sample it with a mu...
by telemark
Thu May 28, 2015 9:17 pm
Forum: Personal Consumer Issues
Topic: portable oxygen concentrator
Replies: 4
Views: 530

Re: portable oxygen concentrator

My mother has one and it's made a big difference in her ability to get out and do things. She isn't strong enough to carry cylinders, so she had to drag them around in a cart, but the concentrator is light enough she can carry it. You might find this link interesting, if you haven't already seen it....
by telemark
Thu May 28, 2015 1:43 pm
Forum: Investing - Help with Personal Investments
Topic: Slicing and Dicing: Time to Rebalance Toward International?
Replies: 5
Views: 731

Re: Slicing and Dicing: Time to Rebalance Toward International?

If you're that far from your target allocation it must be a long time since you rebalanced, which means that U.S. stocks had a big runup while international grew much less. So is now a good time to move some of that gain into assets with lower prices? Absolutely. If you're asking what stock prices w...
by telemark
Thu May 28, 2015 1:52 am
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 152
Views: 10007

Re: Stemikger "Volatility is far from synonymous with risk."

Even deflation can be a risk if you're carrying debt or just hoping for a raise. Not to mention its effect on the economy. Fortunately different types of risk tend to show up at different times. If you're worried about interest rate risk then call risk probably isn't a problem, and vice versa. But n...
by telemark
Tue May 26, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 86
Views: 9708

Re: Not your father's Total Bond Market Fund anymore

Standard & Poor's did famously downgrade US government debt in 2011, although I don't know what effect that would have on Morningstar's charts. After the problems with securitised mortgages it isn't clear how reliable credit rating are anyway.
by telemark
Sun May 24, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: Stemikger "Volatility is far from synonymous with risk."
Replies: 152
Views: 10007

Re: Stemikger "Volatility is far from synonymous with risk."

We can agree on what volatility means. It's well defined, easy to measure, and has nice statistical properties. Risk is a lot more complicated. Even with something as simple as bonds we can identify many different risks: default risk, interest rate risk, liquidity risk, inflation risk, etc. Buffett ...
by telemark
Sat May 23, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Most effective wifi upgrade for range/speed?
Replies: 27
Views: 2568

Re: Most effective wifi upgrade for range/speed?

lightheir wrote:We'll see if the new router makes my repeater superfluous.

The N and C standards both use multiple antennas, so there's reason to think this might happen. If nothing else, you should get better performance in the areas near the router.
by telemark
Sat May 23, 2015 3:44 pm
Forum: Personal Consumer Issues
Topic: Most effective wifi upgrade for range/speed?
Replies: 27
Views: 2568

Re: Most effective wifi upgrade for range/speed?

I also am embarrassed to admit that I've been using Wireless G all along because my laptops are all wireless-G era. However, out of sheer frustration, I bought an excellent NetGear 5mHz wifi repeater and found that it could actually repeat signal on the opposite side of my house into the garage. He...
by telemark
Fri May 22, 2015 8:32 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross Thinks the End Is Near
Replies: 54
Views: 7305

Re: Bill Gross Thinks the End Is Near

I prefer to get my predictions from people who show some willingness to learn from experience. On the other hand, the tie is pretty cool.
by telemark
Fri May 22, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Symbol for Blackrock US Debt (BTC)
Replies: 4
Views: 395

Re: Symbol for Blackrock US Debt (BTC)

If it doesn't trade publically there won't be a ticker symbol. It may be a Collective Investment Trust. These are common in 401K plans and Blackrock runs a lot of them. In that case you won't see dividends reported separately, because they're automatically rolled into the NAV.
by telemark
Fri May 22, 2015 8:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 69
Views: 11674

Re: Vanguard implements 20 character passwords

You can put the entire contents of this Web page in there and it will be the same length hash output. . There is a trivially higher amount of computation involved, but it's really trivial. . Your smart phone could hash millions of passwords a day. Which is why MD5 is no longer considered acceptable...
by telemark
Thu May 21, 2015 1:47 pm
Forum: Investing - Theory, News & General
Topic: W. Buffett can earn 50% return, why don't you?
Replies: 31
Views: 3349

Re: W. Buffett can earn 50% return, why don't you?

1999 was shall we say an interesting year for the stock market. I don't know if Mr. Buffett would promise the same thing in 2015. He usually counsels patience.
by telemark
Tue May 19, 2015 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Estimating Portfolio Return
Replies: 13
Views: 1239

Re: Estimating Portfolio Return

Mathematically the correct formula is to calculate the 12th root of the annual return and multiply by that. But market returns are so variable that your method is more than close enough. Even for simple interest the difference is pretty small.
by telemark
Tue May 19, 2015 10:00 am
Forum: Personal Consumer Issues
Topic: passport card faster than passport?
Replies: 34
Views: 2710

Re: passport card faster than passport?

We're allowed to talk about the stupid things we've done, so... The last time I flew somewhere, there was no human agent at the check in desk. We had to check in with a machine I had never seen before. At some point it asked me to put either my driver's license or my passport in a slot. I already ha...

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