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Re: RE Social security being taxed--new chart by Scott Burns

Is there any advantage to arranging to receive income as capital gains or qualified dividends, rather than ordinary income?
by telemark
Tue Apr 28, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: RE Social security being taxed--new chart by Scott Burns
Replies: 4
Views: 694

Re: Another reason NOT to use (free) Wifi

How can "they" invade my privacy? Let's say a mall/store uses multiple WiFi access points to triangulate my position. They use my phone's MAC address to distinguish my phone from 100 other phones in the same area. Can they use that info to send me unsolicited email or text messages? No. C...
by telemark
Mon Apr 27, 2015 11:41 am
 
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 51
Views: 5043

Re: Another reason NOT to use (free) Wifi

If you carry a cell phone the service provider always knows approximately where you are, so it can route calls to you. But you can save some battery life by turning off wifi when you're not using it, especially if you're walking around and your phone is constantly scanning for networks.
by telemark
Mon Apr 27, 2015 10:53 am
 
Forum: Personal Consumer Issues
Topic: Another reason NOT to use (free) Wifi
Replies: 51
Views: 5043

Re: New Water Heater

My water heater is under the counter in the bathroom, which is great in terms of getting hot water right away but leaves very little space for the heater. When I had a new one put in two years ago the plumber broke the counter top trying to fit it in. I'm thinking when this one gives out I should ju...
by telemark
Sun Apr 26, 2015 3:13 pm
 
Forum: Personal Consumer Issues
Topic: New Water Heater
Replies: 42
Views: 3220

Re: Opening Online Savings Account with Credit Freeze

It's a known issue with Ally: see here and here and here and here. Easiest solution is to find another bank; no one has reported this problem with any bank but Ally.
by telemark
Fri Apr 24, 2015 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Opening Online Savings Account with Credit Freeze
Replies: 10
Views: 948

Re: Converting 8mm and VHS tapes to digital

I did a bit of this around 2002, also using the ADVC with a Mac, making DVDs to send to family members. It was so time consuming I quickly gave it up, but most of that was the DVD conversion, and I was using a slow computer even for the time. If I try any more I'll probably just convert to a more mo...
by telemark
Fri Apr 24, 2015 12:08 pm
 
Forum: Personal Consumer Issues
Topic: Converting 8mm and VHS tapes to digital
Replies: 11
Views: 928

Re: What Book Are You Currently Reading? Part VI

The Wonderful Wizard of Oz , L. Frank Baum, 1900. Saw the movie (who hasn't?) several times but never read the book. Turns out the book is quite charming. Only about quarter of the way through it so far. The book reads smoothly and naturally without the language seeming to be an artifact of the tim...
by telemark
Mon Apr 20, 2015 7:38 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 662
Views: 93126

Re: What Book Are You Currently Reading? Part VI

Ray Bradbury, The October Country.

I grew up always hearing how great Bradbury was, but never really saw it. I preferred authors like Heinlein and Asimov. Giving him another try now.

What I notice immediately is how many of the stories are about middle-aged, apparently childless married couples.
by telemark
Mon Apr 20, 2015 7:34 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 662
Views: 93126

Re: What Movie Have You Recently Watched?

The problems with The Imitation Game are fairly well known. Another take:

http://www.theregister.co.uk/2015/01/26 ... have_been/
by telemark
Mon Apr 20, 2015 3:47 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 786
Views: 105755

Re: Ameriprise

I contributed to an Ameriprise-run 401K plan for more than twenty years, starting when they were still part of American Express, and I count that as the main reason I'm still not ready to retire :oops: Would you believe 1.5% in expenses for an S&P 500 index fund? And expensive tax-sheltered insu...
by telemark
Sun Apr 19, 2015 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Who is Ameriprise? Got invitation from a financial advisor]
Replies: 32
Views: 2850

Re: New Job, Please Help with 401k Choices

Also, the Stable Value fund *might* be a good choice. What matters there is not the expense ratio but the interest rate, which is normally reported after expenses.
by telemark
Sat Apr 18, 2015 8:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Job, Please Help with 401k Choices
Replies: 5
Views: 568

Re: Is there a good IPOD alternative?

Another vote for the Sansa Clip. It handles all the common audio formats, and if you need more space you can add a microSD card.
by telemark
Sat Apr 18, 2015 12:20 pm
 
Forum: Personal Consumer Issues
Topic: Is there a good IPOD alternative?
Replies: 27
Views: 1752

Re: Proof vinyl has higher music ceiling than mp3?

I'll say this much, I read a quote from a high executive in the music industry once that said the vinyl record will outlast the CD. I thought he was nuts at the time, but now it is looking more and more like he was right. You never know. Maybe the hipsters of 2040 will be looking for old CRT TV sets.
by telemark
Fri Apr 17, 2015 8:28 am
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 2521

Re: Proof vinyl has higher music ceiling than mp3?

The amazing thing about vinyl is that it works at all. A couple of ancillary points: I convert everything to FLAC these days, being unable to see any reason not to, but when I was encoding to MP3 I got the best results using variable bit rate (VBR). I think constant bit rate only survives for market...
by telemark
Fri Apr 17, 2015 7:51 am
 
Forum: Personal Consumer Issues
Topic: Proof vinyl has higher music ceiling than mp3?
Replies: 36
Views: 2521

Re: VPN killing my Internet

Using a VPN is a security measure, particularly useful when conducting financial or investing matters over the internet, so it's a issue of interest to many of us.
by telemark
Mon Apr 13, 2015 10:57 pm
 
Forum: Personal Consumer Issues
Topic: VPN killing my Internet
Replies: 31
Views: 2746

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

There is no way to evaluate their performance or risk. You can, however, be sure it has a front end load and high expense ratio.....Gordon Let's not jump to conclusions. There's no evidence of a front end load, and 0.25% is quite reasonable for a managed fund. Vanguard charges more than that for so...
by telemark
Mon Apr 13, 2015 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1066

Re: 401k converting PIMCO Tot Return to Loomis Sayles - advi

Looking at your link, the thing that jumps out at me is the performance in 2008: 1.57% for Loomis vs. 5.24% for the Barclay's index. On the other hand, the following year Loomis made 18.42% :!: vs. 5.93% for the index, and only making 1.57% in 2008 is not too bad in a year when many alternatives to ...
by telemark
Mon Apr 13, 2015 10:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k converting PIMCO Tot Return to Loomis Sayles - advice?
Replies: 13
Views: 1066

Re: 401k bond fund recommendation?

I have the exact same funds in an old 401K. I use the BlackRock fund and have been very happy with that choice. PTTRX is actively managed, so it sometimes outperforms and sometimes underperforms. Its star manager, Bill Gross, was forced out about a year ago, so future performance may differ from the...
by telemark
Sat Apr 11, 2015 8:44 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k bond fund recommendation?
Replies: 8
Views: 788

Re: Year round storage container for CDs in car

Burn copies to keep in your car? This also protects against theft.
by telemark
Wed Apr 08, 2015 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Year round storage container for CDs in car
Replies: 14
Views: 721

Re: Good Modern Science Fiction

'We Can Remember it For you' became Total Recall? I think a lot of people did not understand the movie (by the director of Robocop and Starship Troopers) which I am more and more convinced is a satire. I don't understand that movie either, and your theory is as good as any. Or maybe Verhoeven just ...
by telemark
Wed Apr 08, 2015 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12312

Re: Good Modern Science Fiction

Like many "idea" SF writers, Dick had trouble with longer forms, but novels were where the money was. A lot of his novels are pretty bad, but usually in interesting ways and brilliant in places. In contrast, some of the short stories, like We Can Remember It For You Wholesale, seem perfect...
by telemark
Wed Apr 08, 2015 10:00 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12312

Re: Good Modern Science Fiction

if you go to a book store (remember those) you can see rows of his short story works and some of Dick's lessor known novels like 'Ubik' and some that are not in the Sci-Fi realm. Or, try a library, the man had a tremendous output in his short life - 1928-1982. Don't need to, they're sitting on my b...
by telemark
Wed Apr 08, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12312

Re: Good Modern Science Fiction

Never where to go with the Philip K Dick oeuvre, but The Man in the High Castle (now a TV series, apparently) is pretty good. There is a pilot episode from Amazon. You can stream it for free, even without a Prime membership. It's been a long time since I read the book, but the adaptation seems fait...
by telemark
Tue Apr 07, 2015 8:46 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 182
Views: 12312

Re: Get rid of stocks because you lost faith in company prod

I can't believe no one has posted this link yet. Scott Adams on buying what you hate...

Although I don't really agree with his approach either. Letting your emotions guide your investing is a mistake.
by telemark
Tue Apr 07, 2015 11:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Get rid of stocks because you lost faith in company product
Replies: 29
Views: 2135

Re: Help Picking from horrible choices:

I took the liberty of reformatting your list and sorting the sections by expense ratio, as I find that makes it easier for me to spot the cheap/expensive funds. I also shortened some of the fund names so they wouldn't wrap and eliminated the tax-exempt section since it doesn't make sense in an IRA. ...
by telemark
Sat Apr 04, 2015 8:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Picking from horrible choices:
Replies: 14
Views: 1255

Re: How does one invest without rebalancing?

What to do with new money if you don't rebalance? I think it would depend on why you have chosen not to rebalance, and it's clear from previous threads that people have different reasons for not rebalancing. If you worry that rebalancing lowers your expected return, you should put new money into sto...
by telemark
Fri Apr 03, 2015 3:49 pm
 
Forum: Investing - Theory, News & General
Topic: How does one invest without rebalancing?
Replies: 17
Views: 1662

Re: Why Mac only has online version of WillMaker and Turbo T

Those programs are written by Quicken and Intuit, so the decision isn't Apple's to make, and using the online versions doesn't give Apple any access to the data, so that particular reason seems unlikely. It is true that Apple seems to be steering its customers away from traditional desktop systems, ...
by telemark
Tue Mar 31, 2015 3:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why Mac only has online version of WillMaker and Turbo Tax?
Replies: 14
Views: 836

Re: Retiring June 2015 - Fed Rate Increase

If you roll over to the same allocation you had in the 401K, the effect is entirely neutral. Unless the market happens to move in the time it takes to do the transfer, and there's no way to predict that.
by telemark
Mon Mar 30, 2015 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring June 2015 - Fed Rate Increase
Replies: 4
Views: 621

Re: Does rebalancing make sense for guaranteed assets?

telemark, your comment is interesting. Do you think that the bond index has a bigger chance of being less than 3.10% vs. more than 3.10% in the next year? No, not really. I was just expressing jealousy at anyone being able to get that rate in a fixed account. There's a long thread on the subject so...
by telemark
Sat Mar 28, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does rebalancing make sense for guaranteed assets?
Replies: 8
Views: 787

Re: Does rebalancing make sense for guaranteed assets?

It isn't crazy. You're rebalancing to manage risk, and there is some risk in the bond market, although not very much. Seems unlikely to make much difference either way. If I could get 3% guaranteed, I'd be tempted to put as much of my bond allocation into that as I could, but that's a different ques...
by telemark
Sat Mar 28, 2015 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does rebalancing make sense for guaranteed assets?
Replies: 8
Views: 787

Re: Bonds: Bernstein vs. Swedroe and Ferri

In retirement I think Bill hit the right note. Bottom up approach i.e. what is the funding I need each year from my nest egg. Keep 20-25 years worth "safe". Do what you want with the excess. Makes more sense than trying to figure out your risk tolerance and translating that into a top dow...
by telemark
Fri Mar 27, 2015 4:44 am
 
Forum: Investing - Theory, News & General
Topic: Bonds: Bernstein vs. Swedroe and Ferri
Replies: 96
Views: 10596

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

Memo: new scare word To: bond bears everywhere Blandly referring to "the current rising-rate environment" as if it were an established fact has gotten old now, especially with people noticing that it didn't actually happen. Henceforward all fables stories about rising interest rates will i...
by telemark
Thu Mar 26, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2698

Re: Need a new sub-forum for guns?

Most of us, with some exceptions, use computers to manage our investments, if not to play with spreadsheets then at least to connect to web sites at Vanguard and elsewhere. Using a computer is nearly a requirement for investing these days, so talking about them on an investment forum naturally follo...
by telemark
Sat Mar 21, 2015 4:41 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 25
Views: 2308

Re: Automatic refresh

I just noticed that this is no longer happening to me, using Firefox 36.0.1 on Linux. My most recent FIrefox update was on March 10. I didn't notice exactly when it stopped.
by telemark
Fri Mar 20, 2015 8:36 pm
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 22
Views: 1573

Re: Cryptocurrency

the process, banks, and costs involved in every point of sale credit card transaction. The amount of money earned by banks in the middle of these transactions is staggering. The key phrase here is "point of sale." I can pull a credit card out of my wallet and use it to buy something almos...
by telemark
Fri Mar 20, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cryptocurrency
Replies: 8
Views: 995

Re: New washing machine won't fit down basement steps.

Sheepdog wrote:Or buy 2 washers to increase capacity...one white....one color. :shock:

Actually not a bad idea, since you can run multiple loads and possibly finish sooner. The laundry room in my condo has two machines and I find this very handy.
by telemark
Fri Mar 20, 2015 4:08 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 3017

Re: Anyone concerned about their bond holdings?

I'm concerned that I don't hold enough bonds, so I go on buying them as fast as I can. Except when stocks happen to be on sale.
by telemark
Fri Mar 20, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5938

Re: IBonds - now or later in the year?

I bought my 2015 allocation in January, not seeing any point in trying to outguess the Treasury. The sooner you buy, the sooner you get past the twelve-month waiting period before you can access the money again. To put it another way, to me the main benefits of I bonds are safety and liquidity. A fe...
by telemark
Fri Mar 20, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 39
Views: 3734

Re: When will / did you claim Social Security benefits?

ObliviousInvestor wrote:You cannot suspend until you reach your full retirement age.

Ah, thank you. I wondered why more people weren't planning to do that...
by telemark
Thu Mar 19, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12251

Re: Qualms about Market Predictions

I predict that most of these predictions will turn out to be wildly wrong. No disrespect to anyone involved, it's just that predicting is so hard that no one does well at it. Also note that Bernstein is talking about expected return in the statistical sense, the weighted average of all possible outc...
by telemark
Thu Mar 19, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Qualms about Market Predictions
Replies: 15
Views: 1032

Re: When will / did you claim Social Security benefits?

I plan to file and suspend at 62, and then play it by ear. The actual time will depend on the the state of the market, the state of my health, and maybe how many of my friends I see dying.
by telemark
Thu Mar 19, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 152
Views: 12251

Re: Will you buy an Apple Watch?

No iphone = iwatch wasnt made for you. No ipad, but you have a surface and lenovo. I doubt you are apple's target customer. I understand now that you dont see the benefits - you are mostly a windows/lenovo/android user. If you get back into an iphone then maybe that would be the time to consider th...
by telemark
Sat Mar 14, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 378
Views: 23787

Re: Will you buy an Apple Watch?

pretty much everything they do is proprietary right down to the screws and screwdrivers used with their product. So if you buy an iMac and something goes wrong with it you can't even attempt to fix it yourself. No, you have to bring it into an official Apple store, be condescended to buy an Apple &...
by telemark
Sat Mar 14, 2015 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 378
Views: 23787

Re: Adding REITs to Roth?

You may want to look at this thread, but my guess is that this only applies to MLPs and that VGSLX (Vanguard REIT index fund) is not a MLP (Master Limited Partnership).

Disclosure: I own VGSLX in my Roth IRA and have never worried about it.
by telemark
Sat Mar 14, 2015 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding REITs to Roth?
Replies: 2
Views: 507

Re: 401(K) Bond Options

My instinct would be to go with WFBIX because of the lower expense ratio, but you raise an interesting question. Turnover is normal for a bond fund, because bonds are continually maturing and needing to be replaced, but over 400% seems unusually high. I notice that the total assets for WFBIX are abo...
by telemark
Tue Mar 10, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(K) Bond Options
Replies: 4
Views: 328

Re: Bernstein: 2% investment returns over next 20 years

Well, if he's right I'll have to lower my sights considerably. Now please excuse me while I go curl into a ball and start chanting "nobody knows nuthin'".
by telemark
Mon Mar 09, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 23635

Re: Best Classical Music Box Sets?

The Bernstein collection looks incredible! Lots of great stuff. The only advise I would give folks is this covers MANY different periods and style of music so I wouldn't spend the $200+ unless you are open to a very wide variety of classical music or are sure you will like a number of the various c...
by telemark
Mon Mar 09, 2015 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2377

Re: Best Classical Music Box Sets?

I use Spotify but find it cumbersome (and dangerous) to use in my car through bluetooth. It is far easier to load music on to an iPod and then select tracks through the central display. That makes sense to me. Buying by conductor will get you different performances, but some overlap in the standard...
by telemark
Mon Mar 09, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2377

Re: Best Classical Music Box Sets?

Overlapping isn't necessarily a bad thing; one of the great things about music, in any genre, is the way different performers will approach the same work. But I agree with Petrocelli that if your intent is to explore the internet is your best friend, both the streaming services and the many radio st...
by telemark
Sun Mar 08, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 31
Views: 2377

Re: Wait till June Fed meeting before adding to VBTLX?

My feeling is that the market has already overreacted to a faint hint that someday rates might go up a bit, possibly, and that now is therefore a good time to buy. But some feel that my feelings are only feelings :D
by telemark
Sat Mar 07, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1180
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