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Re: Is it time to give-up on TIPS?

On the flip-side, the contrarion side of me is screaming to stay in them, Right. and selling them now would be poor timing. Right. I've read that a diversified investor should have one part of their portfolio that they absolutely hate. Right now, that's TIPS for me----I'm okay with everything else ...
by telemark
Mon Jan 26, 2015 8:22 am
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 17
Views: 1473

Re: Recommend a clickless mouse

The click is a result of providing tactile feedback, so that people definitely know whether they've pressed hard enough or not. It's the same reason some of us love the old IBM keyboards, and why almost every mouse you try will make some sound when you click it. I regret not having any recommendatio...
by telemark
Mon Jan 26, 2015 8:01 am
 
Forum: Personal Consumer Issues
Topic: Recommend a clickless mouse
Replies: 32
Views: 2044

Re: Anyone still keep DVDs?

I keep the ones I have, but I notice that the last time I actually watched one was October of 2013. Hmm...
by telemark
Sun Jan 25, 2015 7:55 pm
 
Forum: Personal Consumer Issues
Topic: Anyone still keep DVDs?
Replies: 25
Views: 1424

Re: Vanguard too successful?

Good analogy with grocery stores. Grocery stores now compete mostly on price and operate on very thin margins. No one wants to see that happen to their business, so we can expect the finance industry to continue resisting this trend in highly imaginative ways. Even if other companies start to offer ...
by telemark
Wed Jan 21, 2015 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard too successful?
Replies: 13
Views: 2117

Re: $7 gas - what would you do?

Last summer I started taking public transportation to work, not every day, but a few days a week, and I found that I really like not having to drive on the freeway. So I plan to continue doing that no matter what happens to gas prices.
by telemark
Wed Jan 21, 2015 1:16 pm
 
Forum: Personal Consumer Issues
Topic: $7 gas - what would you do?
Replies: 125
Views: 18570

Re: Google Chrome: is this a mega security problem?

In the same vein, by default Android saves your wifi passwords in the cloud , because gosh, isn't that the way you would want it? But your email password is particularly important, even without the cloud. When a hacker calls the friendly rep at any place you have an account and asks for a password r...
by telemark
Tue Jan 20, 2015 3:39 pm
 
Forum: Personal Consumer Issues
Topic: Google Chrome: is this a mega security problem?
Replies: 111
Views: 6493

Re: Moca Adapters

What this does is transmit a separate signal over your coax cable, in somewhat the same way that DSL can carry networking data and voice over the same copper wire. I don't know the details but assume they use different frequencies and filters to maintain the separation. You still need an internet pr...
by telemark
Mon Jan 19, 2015 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Moca Adapters
Replies: 12
Views: 906

Re: ROTH as a Emergency Fund Vehicle

Those in favor are most likely recommending it as a temporary step, until there is enough to fund an EF and IRA. Exactly. The presumption is that in the future your cash flow will improve to the point where contribution limits become a problem. This doesn't apply to everyone, and won't always work ...
by telemark
Sun Jan 18, 2015 10:18 am
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1950

Re: Can't purchase Index funds at Ameriprise?

When my 401K was managed by Ameriprise, some of the money was in an S&P 500 index fund. The expense ratio was a mere 1.50%, quite reasonable in comparison to most of the other available funds. I met with the advisor once and his only suggestion was to get rid of the index fund. I don't think muc...
by telemark
Sat Jan 17, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can't purchase Index funds at Ameriprise?
Replies: 11
Views: 948

Re: ROTH as a Emergency Fund Vehicle

If you have to choose between building an emergency fund or investing in a Roth IRA, then putting the emergency fund in a Roth is a good idea. You can always withdraw the basis if you need it, but since true emergencies are (or should be) rare, you're opening up tax advantaged space that you can use...
by telemark
Sat Jan 17, 2015 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: ROTH as a Emergency Fund Vehicle
Replies: 19
Views: 1950

Re: Wall Street Rises Again- Atlantic Monthly

I expect investing in the next five years to be dominated by events that "no one could possibly have foreseen", and that may well include another financial crisis. My only plan is to stay diversified and avoid making big bets. Especially big bets on sure things...
by telemark
Thu Jan 15, 2015 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: Wall Street Rises Again- Atlantic Monthly
Replies: 9
Views: 1488

Re: Scott Burns Couch Potato Cookbook

You can read Burns' own explanation here . This is from 2002, if he's said anything more recently I've overlooked it. In general I would say that inflation protection is not a free extra but is included in the purchase price. TIPS have lagged a bit in the past few years, perhaps because the much-pre...
by telemark
Tue Jan 13, 2015 2:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Scott Burns Couch Potato Cookbook
Replies: 1
Views: 398

Re: Looking for a small cap fund in my 401k

One is tilted toward "the black hole of investing" (small cap growth). The other also has some small cap value in it.
by telemark
Tue Jan 13, 2015 8:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a small cap fund in my 401k
Replies: 4
Views: 299

Re: Was it a mistake to move into PenFed 5-year CDs a year a

I think Kevin M has the right of it. We should not confuse strategy with outcome, but the same decision may be the result of a good process or a very flawed one. If you make decisions based on a rational analysis of your own need and tolerance for risk, understanding that any strategy may underperfo...
by telemark
Thu Jan 08, 2015 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 4857

Re: Buffett quote of the day: Market is a "Drunken Psycho"

Not so many years ago we were seeing daily swings of 3 to 5 percent. Based on that, I'd say Mr. Market isn't even staggering yet, just a little unsteady on his feet.
by telemark
Wed Jan 07, 2015 8:41 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett quote of the day: Market is a "Drunken Psycho"
Replies: 12
Views: 2811

Re: WEP Wifi when travelling

so using a VPN, like at a starbucks, or a hotel, doesn't increase security? whether its WEP or WPA2 , etc ? It's more that they protect different things. I'll explain as best I can, and perhaps someone else can correct any mistakes. Information almost never travels directly anywhere on the internet...
by telemark
Wed Jan 07, 2015 2:43 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1984

Re: WEP Wifi when travelling

Given the way email is transmitted, you should never assume that it's anything but public. For banking, nothing is completely secure, but a VPN is probably as good or better than your home connection. Even https is probably good enough. Do make sure your firewall is active with no incoming connectio...
by telemark
Tue Jan 06, 2015 11:33 pm
 
Forum: Personal Consumer Issues
Topic: WEP Wifi when travelling
Replies: 21
Views: 1984

Re: How Many Credit Cards do you have?

One, and I even use it occasionally, but you should really have an option for zero :wink:
by telemark
Tue Jan 06, 2015 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: How Many Credit Cards do you have?
Replies: 99
Views: 13485

Re: Poll: Do you own I Bonds?

I'm gradually moving my emergency fund into I bonds. This year's installment goes in at the end of the month. "High yield" savings accounts just don't cut it any more.
by telemark
Tue Jan 06, 2015 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5449

Re: 20% to REITs?

We have many insightful comments on REITs held in isolation, but this is almost always the answer to the wrong question, for any asset class. The more useful question is how an asset class works with the rest of a portfolio. Dropping 20% of REIT into a standard three-fund portfolio would almost cert...
by telemark
Sun Jan 04, 2015 7:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2639

Re: Should I be slightly worried (401k bond choices)

Let me phrase a different question: Is there anyone who believes it a bad idea to slightly drop equity exposure on the basis that this bond fund will behave more like equity than a "safer" bond fund? I was just thinking about suggesting that when I reached your post. Remembering that none...
by telemark
Sun Jan 04, 2015 7:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I be slightly worried (401k bond choices)
Replies: 19
Views: 949

Re: Replacing rented Comcast cable modem?

And Comcast just raised the price again, to $120/year. You can buy a pretty decent modem for that.

http://arstechnica.com/business/2014/12 ... per-month/
by telemark
Fri Jan 02, 2015 5:26 pm
 
Forum: Personal Consumer Issues
Topic: Replacing rented Comcast cable modem?
Replies: 58
Views: 17333

Re: 20% to REITs?

I'm using the same allocation in my Roth IRA, although the amounts are not a large part of my portfolio. I think 20% is not too much in the context of this portfolio, bearing in mind that it is unconventional: more like a Permanent Portfolio without the gold. You can expect REIT to have very bad yea...
by telemark
Thu Jan 01, 2015 7:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: 20% to REITs?
Replies: 22
Views: 2639

Re: Dual Boot Mac Mni

Personally I never go below 8 gigs, although that isn't quite the question you asked. The latest incarnation of the Mini has the RAM soldered in place, which is possibly a reason to look for a used model. On the older models you could just open the back, didn't even need tools.
by telemark
Mon Dec 29, 2014 10:24 pm
 
Forum: Personal Consumer Issues
Topic: Dual Boot Mac Mni
Replies: 17
Views: 1215

Re: Maxing out 401k and compensating from savings

When you increase your 401k contribution you get more tax deferral on your current earned income. I don't think your analysis takes that into account.
by telemark
Sun Dec 28, 2014 9:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Maxing out 401k and compensating from savings
Replies: 11
Views: 1095

Re: Do you have or recommend a Financial Only PC?

Part of me is wondering if a tablet using the institutions financial apps might not be the safest way to go. No! No no no no no. Use XP before you do that. Not only is the operating system not very secure, as Ged already mentioned, but the quality of many apps is barely above execrable. If you do u...
by telemark
Mon Dec 22, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Do you have or recommend a Financial Only PC?
Replies: 84
Views: 7309

Re: Laptop as a hard drive

When my desktop died around, I think, 2003 I hooked up my laptop instead, and it worked so well I just used it that way for a few years. the only disadvantage I can think of is that you will probably pay more for the laptop than a comparable desktop. But the laptop will be quieter and you can always...
by telemark
Sun Dec 21, 2014 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Laptop as a hard drive [Laptop as a desktop]
Replies: 29
Views: 1974

Re: Ski questions from a Southerner

I've never tried downhill skiing, but I used to do a lot of cross country. With that in mind I recommend polypropylene long underwear. No cotton, unless you are looking for a Jack London experience. Look for synthetics or wool. You can expect to fall down a lot, so the outer layer should be water re...
by telemark
Sat Dec 20, 2014 5:11 am
 
Forum: Personal Consumer Issues
Topic: Ski questions from a Southerner
Replies: 42
Views: 4930

Re: Agent authorization vs Beneficiary

As I understand it, beneficiary designation overrides any will or other considerations, so probate should not be involved. But agent authorization ends with the death of the primary, so your wife would have to wait for Vanguard to distribute the money to her, and there would be some delay even witho...
by telemark
Thu Dec 18, 2014 2:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Agent authorization vs Beneficiary
Replies: 2
Views: 252

Re: Comcast Performance 25 Mbps vs Blast 105 MBps

If the Blast package includes a higher upload speed and you're doing backups to a cloud service, you might see some benefit from that.
by telemark
Thu Dec 18, 2014 12:35 pm
 
Forum: Personal Consumer Issues
Topic: Comcast Performance 25 Mbps vs Blast 105 MBps
Replies: 17
Views: 2236

Re: What desktop should I buy.

This is probably over your stated price range, but Compulab makes a line of small desktop PCs they warrant for 60 months, excluding the hard drive. http://www.compulab.co.il/products/embedded-pcs/ I have a fit-PC3 running Linux I'm pretty happy with: low power and completely quiet, so I don't mind l...
by telemark
Wed Dec 17, 2014 8:35 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2714

Re: Went "all in" Nov 17-21 in VTTHX (2035) - worried...

I suggest reading this: They're all making it up.

Short form: the stock market and oil prices are uncorrelated, except in the headlines.
by telemark
Mon Dec 15, 2014 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Went "all in" Nov 17-21 in VTTHX (2035) - worried...
Replies: 26
Views: 3451

Re: Dilbert's View of Financial Advisors

No man is wiser than Socrates :wink:
by telemark
Mon Dec 15, 2014 9:23 am
 
Forum: Investing - Theory, News & General
Topic: Dilbert: Everything you need to know
Replies: 20
Views: 2998

Re: Comcast's XFINITIWIFI

If you don't use their voice service then just buy your own cable modem and router. In the long run it will be cheaper and they can't run any of their extra services on your hardware. Yes, this is better than the advice I offered (I'd forgotten that cable modems are easy to find). Longtime comcast ...
by telemark
Sat Dec 13, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2388

Re: Comcast's XFINITIWIFI

3. What is to keep some slimeball parked outside my house from using my gateway to upload/download kiddie porn? Would it take a lawyer, expert witnesses and 100K to absolve me? In theory this shouldn't be a problem. It's not really open wifi, anyone using it is diverted to a login page where they h...
by telemark
Fri Dec 12, 2014 9:20 pm
 
Forum: Personal Consumer Issues
Topic: Comcast's XFINITIWIFI
Replies: 29
Views: 2388

Re: New HTTPS security bug, Vanguard servers vulnerable

Not doing anything important over public wifi networks is a good idea in any case. Seriously, you don't know where those things have been.
by telemark
Tue Dec 09, 2014 10:11 am
 
Forum: Investing - Theory, News & General
Topic: New HTTPS security bug, Vanguard servers vulnerable[Patched]
Replies: 39
Views: 4492

Re: What Movie Have You Recently Watched?

Dirty Rotten Scoundrels, one of my all time favorites, now streaming on Netflix.

Relevant to Bogleheads in that it shows how willing we all are to fool ourselves, with only the slightest encouragement.
by telemark
Sun Dec 07, 2014 9:42 am
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 468
Views: 54617

Re: Bill Gross moving from PIMCO to Janus, Monday

Results have largely been disappointing, with none of the three central banks able to guide their preferred measures of inflation to their target levels of around 2 percent. "It has been a nursery rhyme experience for sure, but more than likely without a fairy tale ending," Gross said. He...
by telemark
Thu Dec 04, 2014 4:07 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 12193

Re: How long did your IT career last? At what age did it en

The main problem with .NET is it just FEELS antiquated. The syntax is far too structured and verbose and it's more difficult to write readable, elegant code in C# than, say, Ruby or Scala. I just plain have to write a lot more code to say the same thing in C# vs Ruby. Meh. As it happens, I've just ...
by telemark
Thu Dec 04, 2014 1:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15058

Re: Exercise machine for small apartment?

A kettlebell is perfect for a small apartment. I think I've dropped mine about three times in the last five years. Cardio and strength training both.

My second choice would be a door mounted pullup bar and a Lifeline Jungle Gym.
by telemark
Thu Dec 04, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: Exercise machine for small apartment?
Replies: 21
Views: 2075

Re: How to you assess your rate of return?

Sometime around 2010 I calculated that a 7% rate of return yearly on what I had currently invested would get me to a number I felt comfortable retiring on, so anything above that is great. 7%/year over a ten year period is optimistic, so I'm also saving aggressively. What's the point of comparing ag...
by telemark
Tue Dec 02, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: How to you assess your rate of return?
Replies: 12
Views: 813

Re: Does the market ever err?

The market is always wrong; we just don't know by how much.
by telemark
Tue Dec 02, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Does the market ever err?
Replies: 23
Views: 1710

Re: Fidelity's retirement savings guideline-Only need 8x sal

Projected expenses at retirement are better than current salary, but everyone knows their current salary. Which is what you want for a rule of thumb. And as a rough measure--are you way behind, way ahead, somewhere in the ballpark?--it isn't bad. I'm at 9x salary at 55, and I could retire now and no...
by telemark
Sun Nov 30, 2014 12:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity's retirement savings guideline-Only need 8x salary?
Replies: 45
Views: 5163

Re: Cramer says bye-bye to bonds for retirement, sort of?

Headlines are normally written by someone other than the author. Sometimes those people don't read carefully, and sometimes they do read carefully but prefer to lead with something more sensational. Amazing but true :wink:
by telemark
Sat Nov 29, 2014 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Cramer says bye-bye to bonds for retirement, sort of?
Replies: 5
Views: 2020

Re: Why do we like dividends?

The way you said that sounds like it is something someone can "do" to the price of a stock. But the price is set by what buyers and sellers agree to in the market, so what can that mean? This is in the context of the original post, assuming that any dividend payment is accompanied by a co...
by telemark
Sat Nov 29, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 114
Views: 8703

Re: Why do we like dividends?

A random thought: lowering the price of a stock automatically improves its PE ratio, or its price-to-anything-else ratio. If you believe that fundamentals matter, isn't that a good thing?

(It seems to me there's something wrong with this, but I can't put my finger on it)
by telemark
Sat Nov 29, 2014 7:37 am
 
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 114
Views: 8703

Re: Why do we like dividends?

If I remember a Buffet quote correctly, he asked the question as "if you trust a company with 90% of their earnings, why would you not trust them with the remaining 10?" That makes sense if a company can grow efficiently without limit, but some industries have naturally limited markets. U...
by telemark
Sat Nov 29, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: Why do we like dividends?
Replies: 114
Views: 8703

Re: How long did your IT career last? At what age did it en

I started at 27. Still working at 55 and plan to continue at least to 60. On the subject of keeping up to date, probably the best thing I did was to get interested in Lisp sometime in the 1990s. Never did any actual work in Lisp, but since then so-called new technologies have held very few surprises...
by telemark
Thu Nov 27, 2014 9:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 15058

Re: Favorite nonfiction books

If you're interested in climbing, I recommend Arthur Roth's Eiger: Wall of Death. The title sounds overly dramatic, but isn't.
steve roy wrote:"Life on the Mississippi" by Mark Twain.

:thumbsup "Roughing It" is good too, especially the parts in Hawaii. Both available in Gutenberg editions.
by telemark
Thu Nov 27, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Favorite nonfiction books
Replies: 117
Views: 10323

Re: Being woken up by neighbors above me

I wouldn't recommend buying one just for this, but I own an air purifier from IQAir, and even on the lowest setting it's pretty good at covering up background noises.
by telemark
Wed Nov 26, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Being woken up by neighbors above me
Replies: 79
Views: 6389
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