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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: 231

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: 1801

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: 2379

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: 25
Views: 2911

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: 2942

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: 2300

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: 2300

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: 4147

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: 259
Views: 27791

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: 11542

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: 14597

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: 2012

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: 793

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: 1653

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: 5098

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: 2009

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: 8307

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: 8307

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: 8307

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: 14597

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: 9667

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: 6298

Re: What percent "Boglehead" are you?

100%. I understand that costs matter, diversification matters, and staying the course matters, and that everything else falls under "probably doesn't matter very much."
by telemark
Mon Nov 24, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: What percent "Boglehead" are you?
Replies: 120
Views: 7632

Re: Hedge Funds Are Happy to Lose Money for Everyone

Usually marketed as being for suckers only, sorry I mean "sophisticated investors."
by telemark
Mon Nov 24, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge Funds Are Happy to Lose Money for Everyone
Replies: 5
Views: 817

Re: Freakonomics approach to 401(k) choices

Since no one else has mentioned it, I recommend studying the Callan periodic table of investment returns. Large cap U.S. stocks have been the hot asset class in 2014. That isn't always the case.
by telemark
Sun Nov 23, 2014 7:55 pm
 
Forum: Investing - Theory, News & General
Topic: Freakonomics approach to 401(k) choices
Replies: 27
Views: 2670

Re: Light Bulb Question

The National Grid says they can see the impact of the changed lightbulbs in their peak spike (it is lower). UK electricity demand peaks at around 57-58 GW at around 7pm on a weeknight in a cold January and it's the system critical number (we are an island with limited interconnection). So a large n...
by telemark
Sun Nov 23, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Light Bulb Question
Replies: 66
Views: 5269

Re: Does investing in a 401k actually save any money?

When you invest paycheck money in a taxable account you pay taxes twice: first as income tax when you earn the money, and again as dividend and capital gains taxes on the investment returns. In a tax-advantaged account you're only taxed once: as income when you withdraw from a traditional IRA or 401...
by telemark
Fri Nov 21, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Does investing in a 401k actually save any money?
Replies: 75
Views: 9574

Re: Why finance research is often wrong - the jelly bean pro

Leeraar wrote:They seem to think economics and investing are not funny. No articles found.

The joke only works if you start with something that at least appears to be science.
by telemark
Thu Nov 20, 2014 6:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 262
Views: 21821

Re: Help Needed Re: Overhauled 401K Fund Choices

The Vanguard Total Bond Market Index Fund tracks the U.S. Aggregate Float Adjusted Bond Index. I'm not 100% sure, but I'd bet these track the same index and they just left the words float adjusted out in your description. The Float Adjusted index is not the same as the plain U.S. Aggregate index. A...
by telemark
Thu Nov 20, 2014 4:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Needed Re: Overhauled 401K Fund Choices
Replies: 7
Views: 867

Re: Is investing more risky today today than before the inte

We've already seen one flash crash, and with software and people both being what they are there's always the possibility of another. There's not a lot the individual investor can do about it, except maintain a suitable asset allocation.
by telemark
Mon Nov 17, 2014 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Is investing more risky today today than before the internet
Replies: 30
Views: 3442

Re: Help! Need Liquid Cash!

Allan12 wrote:If I make a minimum payment for only 1 month, and pay it back in full the following month will that reflect in my credit report?

Lenders love people who carry large balances, so if anything it may raise your score. But don't miss a payment.
by telemark
Fri Nov 14, 2014 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help! Need Liquid Cash!
Replies: 29
Views: 2692

Re: Food Frugality: Where do you draw the line?

I regard eating good food as a long term investment in quality of life. Who wants to be a rich diabetic? If it saves me some medical expenses down the line, that's a bonus.
by telemark
Tue Nov 11, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 7643

Re: For the next year or so, why shouldn't we be in all-cas

Image

The market doesn't care about your feelings, and neither should you.

* image courtesy of Freefall.
by telemark
Mon Nov 10, 2014 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: For the next year or so, why shouldn't we be in all-cash?
Replies: 54
Views: 7518

Re: What Movie Have You Recently Watched?

Fantastic Voyage, on Netflix. It holds up better than I expected, with a good performance from Donald Pleasence and a nicely atmospheric score.

Next up: Honey, I Shrunk the Kids...
by telemark
Mon Nov 10, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 259
Views: 27791

Re: When do you buy a new home computer?

When do I replace a computer? Which part? My current desktop is a Linux MintBox that I bought to follow a Mac mini, but I still use the same keyboard, monitor, and external DVD drive that I used with the mini, and the monitor alone was more than half the price of the computer. And I still have the M...
by telemark
Sat Nov 08, 2014 6:29 pm
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 4572

2014 not a year for stock pickers

http://www.bloomberg.com/news/2014-11-03/record-s-p-500-runs-away-from-mutual-funds-trailing-index.html While the advance to an all-time high is good news if you own index funds tracking the S&P 500, clients of active managers are trailing. More than 75 percent of funds that spread purchases am...
by telemark
Tue Nov 04, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 not a year for stock pickers
Replies: 24
Views: 3693

Re: Getting sued over a car accident two years ago

I was in a similar situation about ten years ago, and it went as far as a jury trial. My insurance company handled the defense. I did have to testify in court, but since the facts of the accident were not in dispute most of the focus was on the plaintiff's claims of damage. The jury did award some m...
by telemark
Mon Nov 03, 2014 11:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Getting sued over a car accident two years ago
Replies: 7
Views: 2870

Re: LED Christmas lights?

lululu wrote:I got some hallway night lights with white LEDs, and they were like an white blue ice pick in the eye.

It's not so annoying when they're outdoors, especially with some newly fallen snow on them...
by telemark
Mon Nov 03, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3183

Re: LED Christmas lights?

I like to put Christmas lights on my balcony, but there isn't a power outlet available so my choices are limited. I tried the solar powered lights from GE for a couple of years and never was happy with them: they weren't very bright at the best of times, and as the evening went on they just looked s...
by telemark
Mon Nov 03, 2014 4:30 pm
 
Forum: Personal Consumer Issues
Topic: LED Christmas lights?
Replies: 19
Views: 3183

Re: Help with 401k fund selection and overall portfolio

For approximating Total Stock Market, see the wiki entry . For international stock I would use the SSgA EAFE Index Fund. This is developed markets only: for some discussion of that see this thread . All of the bond funds are too expensive for my taste. I would use some mix of Amer Cent Infl-Adjust B...
by telemark
Fri Oct 31, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k fund selection and overall portfolio
Replies: 8
Views: 475

Re: Good active funds to use in 401ks w/o index funds?

One needs to be careful with e/r and turnover criteria. Reducing the e/r by 50% starting at 100 bps gets you 50 bps but that same 50% reduction starting at 50 bps only gets you 25 bps. If you start making decisions based on the difference between an e/r of 0.10 and 0.20 you are kidding yourself. In...
by telemark
Thu Oct 30, 2014 3:16 pm
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 16
Views: 1418

Re: Good active funds to use in 401ks w/o index funds?

You already mentioned expense ratio and turnover, but those are the first things I consider and they're usually enough to narrow the field to one or two obvious winners. For bond funds I also look at the standard deviation. Sometimes a fund that sounds conservative turns out to be risky, and vice ve...
by telemark
Thu Oct 30, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 16
Views: 1418

Re: Getting another key made for my car

On the positive side, car theft is down, and people are crediting more secure keys and locking systems.
http://www.nytimes.com/2014/08/12/upsho ... shion.html
http://www.startribune.com/local/minnea ... 62931.html
by telemark
Thu Oct 30, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 52
Views: 6359

Re: Lightweight Electric Blanket.

Related threads here and here.
by telemark
Tue Oct 28, 2014 7:12 am
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 1006

Re: Buying CDs with locked credit

It depends on the bank, and the ones that do pull your report may be secretive about it. Ally in particular is known for requiring a credit score before you can buy CDs or open a savings account. You may just have to apply and see what happens.
by telemark
Mon Oct 27, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs with locked credit
Replies: 5
Views: 725

Re: Apple Pay, Google Wallet, credit, and us

I have a transit pass that works with NFC, and that's a huge time saver just when I need it most, running to catch a train. At the checkout counter I don't see much room for improvement. By the time I've stood in line and waited for the cashier to ring up all the items, I usually have my wallet out ...
by telemark
Mon Oct 27, 2014 9:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 108
Views: 9084

Re: LASTPASS Password Program

Lastpass is great. It's amazing what you can learn when, instead of bloviating, you read the manual: https://helpdesk.lastpass.com/getting-started/introduction/why-is-lastpass-safe/ Are we to believe that none of the systems that were breached took these measures? The important point is this: encry...
by telemark
Fri Oct 24, 2014 6:52 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4678

Re: Lower Expenses vs Consolidation

I absolutely would not roll a good 401K into a more expensive one. If you want to consolidate, roll it into an IRA or wait until you have a good 401K.
by telemark
Fri Oct 24, 2014 4:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lower Expenses vs Consolidation
Replies: 7
Views: 1117

Re: LASTPASS Password Program

There are good reasons why we can expect companies like LastPass to have better security than companies like Target. At Target, security is an annoying cost of doing business. It produces no revenue and pulls money from the bottom line, so the tendency is always to spend as little as they can get aw...
by telemark
Fri Oct 24, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4678

Re: Would you consider this a conservative portfolio?

I own some TGBAX in my current 401k, allocated as 25% of the bond portion. I would never consider using it for all of my bond allocation: too much manager risk, and international bonds are questionable anyway due to currency risk and the costs of hedging it. If I ever reorganize my portfolio, I'll p...
by telemark
Thu Oct 23, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Would you consider this a conservative portfolio?
Replies: 6
Views: 493
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