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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: 44
Views: 3031

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: 57
Views: 4695

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: 4
Views: 470

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: 29
Views: 2557

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: 2407

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: 6153

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: 6682

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: 209
Views: 16383

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: 3988

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: 3294

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: 2847

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: 15
Views: 1949

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: 15
Views: 1949

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: 462

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: 1360

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: 1360

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: 6155

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: 978

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: 708

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: 8554

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: 4512

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: 1086

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: 4512

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: 489

Re: Forbes Article On Active vs Passive Investing

Method 2, Asset Class balancing, is exactly what most of us do here.
by telemark
Wed Oct 22, 2014 2:43 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3968

Re: Windows XP

I do not possess any of your personal data. Nor do I wish to. If your computer is successfully attacked by someone other than me (by using my computer), it would seem to me that it is your computer that is not secure. A denial of service attack isn't something that can be blamed on the victim: it c...
by telemark
Wed Oct 22, 2014 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 3044

Re: What Book Are You Currently Reading? Part VI

nisiprius wrote:"Ornamental daggers fashioned out of Chinese coins strung together?" What on earth were those? Surprisingly hard to find on the Internet.

I assume they mean one of these: http://www.britishmuseum.org/explore/highlights/highlight_objects/cm/c/coin_sword.aspx
by telemark
Tue Oct 21, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 170
Views: 15763

Re: Is it possible to have a favorite movie

My favorite screen adaptation is Tom Jones (Albert Finney and Susannah York), particularly brilliant in capturing the spirit and "tone of voice" as I experienced them, without adhering particularly to the plot. LOVE the fox hunt sequence. My wife hates the movie and if I'm going to watch ...
by telemark
Tue Oct 21, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3275

Re: RMD for my mom

I would look at buying Total Stock Market in taxable and holding bonds or cash in the TSP. See the wiki entry Placing cash needs in a tax-advantaged account for details on this strategy. When you hold stocks in the TSP the gains are taxable as income, but in a taxable account they should be mostly t...
by telemark
Mon Oct 20, 2014 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD for my mom
Replies: 2
Views: 371

Re: Thoughts on Paul Merriman's Portfolio

Yes, he does stick to mostly non-volatile bonds because he feels you take enough risk on the stock side and bonds are there to provide safety, liquidity & dry powder in case of a market debacle. The % of bonds is a personal decision based on a person's risk tollerance and their ability to withs...
by telemark
Sun Oct 19, 2014 8:20 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2334

Re: Treat all accts as 1 BIG account for AA or target 70/30

I've seen comments in the past insisting that you MUST treat everything as one portfolio because it's the only rational approach and we should always be rational. On the other hand, when people complain about what a nightmare rebalancing is, it usually turns out that they have a lot of accounts and ...
by telemark
Sun Oct 19, 2014 8:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 907

Re: Thoughts on Paul Merriman's Portfolio

I own the tax-managed version of that in a taxable account at Vanguard, stocks only so eight funds in all. I rebalance occasionally with new money and haven't noticed any difficulties in doing that. The slices are mostly equal so you don't even need a spreadsheet. If I had it to do over I'd probably...
by telemark
Sun Oct 19, 2014 5:32 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2334

Re: Upgraded to OS X 10.10 Yosemite

I really wish these computer companies would leave things alone for a while. I'm a Mac user, but don't use most of the new features that seem to come and go with all these OS changes and which can have the effect of making some programs stop working. Are consumers really demanding these things? Tha...
by telemark
Sun Oct 19, 2014 5:08 am
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4510

Re: Turning off automatic suggestions for websites in browse

On the menu, select Tools->Options, then choose the Privacy tab on the top of the dialog. Change the Location Bar setting to Nothing.
https://support.mozilla.org/en-US/questions/928166
by telemark
Fri Oct 17, 2014 10:10 am
 
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 381

Re: What happened to the audiophile?[High quality music sour

I saw a movie once, I don't remember the name now, set in Hong Kong, about some immigrants from mainland China and what happened to them. One of their schemes to get rich involved importing cassette tapes with, I think, folk songs or pop songs. It failed and they lost all their money: lots of people...
by telemark
Wed Oct 15, 2014 9:27 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3934

Re: What happened to the audiophile?[High quality music sour

On the “low end” of higher resolution music (CD lossless, 44.1kHz/16 bit), PonoMusic files have about 6 times more musical information than a typical mp3. With ultra-high resolution recordings (192kHz/24 bit), the difference between a PonoMusic digital file and an mp3 is about 30 times more data fr...
by telemark
Wed Oct 15, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3934

Re: Security Alert

Correction to my previous comment. It's a MITM attack. A fake hotspot is the easiest way to do this, but it could also happen through almost any connection, though it isn't likely. In Firefox you can type about:config, find the entry for security.tls.version.min, and change that from 0 to 1. Any val...
by telemark
Wed Oct 15, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Security Alert [SSL "Poodle" attack]
Replies: 9
Views: 1124

Re: Security Alert

2bitwise wrote:I don't know if this means just WIFI or also your ISP.

The firewall on your router should protect you from other users on your ISP. Assuming you have it turned on, of course.

EDIT to correct: this is not true. See following messages for details.
by telemark
Wed Oct 15, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Security Alert [SSL "Poodle" attack]
Replies: 9
Views: 1124

Re: What happened to the audiophile?

Try a double blind test sometime. It might come as a surprise how hard it is to tell a good compressed file from its master when you're not told which is which, even with really good headphones let alone speakers. And after that, convenience wins. Key word here is "good". MP3s compressed ...
by telemark
Tue Oct 14, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3934

Re: Want to Convert Tape and Vinyl to Digital

Audacity runs on a MacBook AIr, and the headphone jack also works as a line in jack. See http://support.apple.com/kb/ht3625

I believe there are ways in Audacity to clean up noise, but I've never tried using them.
by telemark
Mon Oct 13, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Want to Convert Tape and Vinyl to Digital
Replies: 23
Views: 1006

Re: You may be getting charged rent for a router/modem you o

So don't blame Comcast if you get invalid charges on your bill. It's not their fault. They just have no idea what's going on. The problem with companies like Comcast is that they're assembled out of the parts of other dead companies. A little stitching, a jolt of electricity, and off they lurch to ...
by telemark
Sun Oct 12, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3950

Re: Please help go over my 401(k) options

Tricky question. Even in a large cap index, most of the dividends should be qualified and thus taxed at a lower rate. I don't know if it makes sense to pay a higher expense ratio in the 401K to avoid that. Also, I overlooked this thread the first time around, but in your situation I would also look ...
by telemark
Sun Oct 12, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help go over my 401(k) options
Replies: 15
Views: 1433

Re: Best solution for clouded auto headlight lens?

Also look for ways to park so the headlights are less exposed to direct sunlight.
by telemark
Sun Oct 12, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2752

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

It's a market, kind of like the stock market. But not as efficient. Every share of XYZZY megacorp is interchangeable with every other share, but houses are mostly unique. And there are no high frequency traders or market makers. You can get a good deal on a house by being in the right place at the ...
by telemark
Sat Oct 11, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 8778

Re: Market corrections and rebalancing band

In the distribution phase you can partially rebalance with withdrawals. When stocks are up take withdrawals from stocks, when they're down withdraw from bonds instead. I'm still accumulating (and rebalancing with contributions), so I have no direct experience with this.
by telemark
Sat Oct 11, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4199

Re: Critically Acclaimed Movies you did not like

Which is to say I thought Indiana Jones might be the counterexample, but in fact it has a huge plot flaw, so I am hoisted on my own petard on that one . I thought Close Encounters was pretty good. I like Indiana Jones. In a classic example of confirmation bias I'd forgotten it was a Spielberg movie...
by telemark
Fri Oct 10, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9090

Re: New tires, where to buy

I don't think tirerack is worth the effort for most tires for typical cars. Although I used to buy the least expensive tires, I'm not sure it's worth saving a couple of hundred dollars not to buy better tires, even for what you're currently planning to be just a year. It depends partly on the condi...
by telemark
Fri Oct 10, 2014 8:08 pm
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2798

Re: Market corrections and rebalancing band

This is contrary to the established wisdom, but I rebalance when I feel like it: I freely let my emotions dictate the decision. I justify this by saying that investing is about avoiding the big mistakes, and rebalancing at the wrong time is at worst a small mistake. I probably rebalance too often, b...
by telemark
Fri Oct 10, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4199

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

Buffett is smart, but he isn't giving out investment advice out of the goodness of his heart. "Buffett, 84, whose Omaha, Nebraska-based company has units that build houses and make carpet, paint and bricks, reiterated today that he expects home building to pick up as the market rebounds from t...
by telemark
Fri Oct 10, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9709

Re: Critically Acclaimed Movies you did not like

I'd probably be more fascinated by people revealing which movies are commonly considered absolute garbage but are nevertheless beloved. I'll go first: Billy Madison. The 1967 version of Casino Royale, the one with David Niven and Peter Sellers and John Huston and Ursula Andress and Orson Welles and...
by telemark
Fri Oct 10, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 9090
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