Search found 830 matches

Return to advanced search

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: 71
Views: 3768

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: 507

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: 31
Views: 1660

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: 1004

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: 1004

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: 2182

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: 3267
Views: 1113230

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: 2171

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: 953

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: 85
Views: 7161

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: 928

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: 928

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: 1316

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: 1316

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: 692

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: 869

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: 2417

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: 2262

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: 3699

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: 1635

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: 2637

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: 2030

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: 1635

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: 2374

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: 100
Views: 6275

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: 3252

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: 1466

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: 3017

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: 3017

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: 6427

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: 2126

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: 2653

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: 473

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: 836

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: 878

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: 912

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: 912

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: 912

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: 25296

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: 1228

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: 1329

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: 1329

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: 5912

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: 3946

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: 3207

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: 1155

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: 1155

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: 2098
Next

Return to advanced search