Search found 1254 matches

by telemark
Mon Aug 24, 2015 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Use the Dip to Clean Up Your Taxable Account
Replies: 17
Views: 2190

Re: Use the Dip to Clean Up Your Taxable Account

I have a smallish (about a year's salary ) investment in a taxable Merriman-style slice and dice account at Vanguard. The US part is all in Admiral funds at 0.09% expenses, but the international part is in managed funds with expenses up to 0.44%. This looks like the perfect opportunity to move the i...
by telemark
Sat Aug 22, 2015 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Transfer money to online bank account
Replies: 16
Views: 1580

Re: Transfer money to online bank account

I've transferred money from a checking account to a number of online savings accounts, some of which had "money market" in their name but were still FDIC insured, without any problem and without needing to pay a fee. Does BOA really charge you to get your own money back? Sounds like a good...
by telemark
Fri Aug 21, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: Greenspan: we've got a bond bubble, Houston
Replies: 71
Views: 6213

Re: Greenspan: we've got a bond bubble, Houston

I won't comment on the premise since I have no special knowledge, but...

Scouring the news looking for evidence that you're right after all is a classic behavioral mistake, one that wise investors try to avoid.
by telemark
Thu Aug 13, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Is 401K Match included when someone asks you how much you make per year?
Replies: 47
Views: 3709

Re: Is 401K Match included when someone asks you how much you make per year?

And to further complicate the question, remember that most matches don't vest fully until you've worked there a few years.
by telemark
Wed Aug 12, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6412

Re: What is going on out there?

Beware of explanations after the fact. They may sound plausible, but that doesn't mean they're right. If you can find someone who predicted what happened in advance, if only by saying "if this happens that will follow", then he or she might be on to something. If they're not just lucky.
by telemark
Sun Aug 09, 2015 1:44 pm
Forum: Personal Consumer Issues
Topic: Anti-smartphone [basic phone + paper planner & address book] anyone??
Replies: 42
Views: 3173

Re: Anti-smartphone [basic phone + paper planner & address book] anyone??

I use an unlocked Palm Centro with a pay-as-you-go plan from T-Mobile. Mostly as a calendar and address book, but it also makes phone calls. I suspect the "smart" features, like a browser and Google Maps, don't work very well these days but since I'm not paying for a data plan I don't care...
by telemark
Tue Aug 04, 2015 1:37 pm
Forum: Personal Consumer Issues
Topic: New Vanguard logout procedure
Replies: 7
Views: 1162

Re: New Vanguard logout procedure

I should have mentioned that I'm running Firefox on Linux, and I have Adblock and Ghostery installed. I just tried opening it in a private window, and all the menus were where I expected to see them. When the extensions are enabled, the black bar across the very top is completely missing on every pa...
by telemark
Tue Aug 04, 2015 8:37 am
Forum: Personal Consumer Issues
Topic: New Vanguard logout procedure
Replies: 7
Views: 1162

New Vanguard logout procedure

This is fairly minor, but I used to be able to log out from Vanguard by using a link at the top of the page and that seems to be gone now. I have to go to the home page and then log out. Am I missing something?
by telemark
Thu Jul 30, 2015 5:10 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 2981

Re: Why is stock market so reactionary to news on daily basis?

Even if the market is perfectly efficient based on the best available information, the best available information doesn't have to be very good. Will Greece abandon the euro? The answer has to be yes or no, but the market can only estimate probabilities and those understandably fluctuate wildly.
by telemark
Thu Jul 30, 2015 3:33 pm
Forum: Personal Consumer Issues
Topic: Fed UP With Fed Ex
Replies: 23
Views: 1925

Re: Fed UP With Fed Ex

I don't know how Fed Ex works, but it wouldn't surprise me to learn that the driver has no authority to return damaged packages, no matter how obvious the damage may be; that decision is left to the recipient. Or maybe not :?: I've had the best luck with the good old U.S. Postal Service, but there a...
by telemark
Mon Jul 27, 2015 6:49 pm
Forum: Personal Consumer Issues
Topic: Apple Music
Replies: 9
Views: 942

Re: Apple Music

4. But when I discovered that iPods don't support Apple Music, I reverted to my skeptic mode and deleted the albums. You cannot sync Apple Music files to any iPod. You can download Apple Music tracks to an iPod Touch over wifi, just as you can with an iPhone, but you can't sync Apple Music files to...
by telemark
Thu Jul 16, 2015 10:13 pm
Forum: Investing - Theory, News & General
Topic: Why Rational People are Risk Averse
Replies: 33
Views: 3707

Re: Why Rational People are Risk Averse

I had a chance to buy a the collectors' edition-boxed set of P. Bernstein's classics at Goodwill. Too risk adverse, besides no money. I regret not buying. :oops: I like the cover art on Against the God s. Bernstein also notes a Italian monk (Purcelli ?,1400's ?) who notices that 20% of the people h...
by telemark
Thu Jul 16, 2015 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax backup to cloud discontinued for desktop version only
Replies: 3
Views: 382

Turbotax backup to cloud discontinued for desktop version only

This probably won't affect many people, but as a heads up. If you ran the desktop version and chose the option to back up to the cloud, that backup is going away as of July 21st. https://ttlc.intuit.com/questions/1917541-backup-to-cloud-service-in-the-turbotax-cd-download-software-to-be-discontinued...
by telemark
Wed Jul 15, 2015 12:45 pm
Forum: Investing - Theory, News & General
Topic: Why Rational People are Risk Averse
Replies: 33
Views: 3707

Re: Why Rational People are Risk Averse

What I was clumsily trying to say is that rational behavior doesn't necessarily imply a rational motive. We are not in general rational creatures, but we can still behave rationally from time to time. Probably by accident. Which doesn't mean that thinking about it can't still be useful, or at least ...
by telemark
Wed Jul 15, 2015 5:59 am
Forum: Investing - Theory, News & General
Topic: Why do we care about price movements? Aren't earnings all that matter?
Replies: 44
Views: 3565

Re: Why do we care about price movements? Aren't earnings all that matter?

I will live only off my earnings. I will never sell. Earnings is earnings. You can have any two of those, but not all three at once. If you never sell then dividends are your only income, and dividends are not earnings. Now if you are blessed with a guaranteed income so that you never have to tap i...
by telemark
Tue Jul 14, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Why Rational People are Risk Averse
Replies: 33
Views: 3707

Re: Why Rational People are Risk Averse

I don't know any rational people, but if I ever meet any I'll ask them what they think of the idea :)
by telemark
Mon Jul 13, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Desktop wifi connection + keyboard
Replies: 9
Views: 648

Re: Desktop wifi connection + keyboard

For real keyboards the way IBM meant for them to be, I recommend Unicomp. http://www.pckeyboard.com/ I have one of the full sized models and love it. The space saver wasn't available when I bought mine, or I probably would have chosen that instead. And no, a wifi connection will never be as fast as ...
by telemark
Mon Jul 13, 2015 11:39 am
Forum: Personal Consumer Issues
Topic: Password Management
Replies: 56
Views: 3152

Re: Password Management

Generally I try to avoid ever entering passwords on Android devices: Android is probably the least secure platform in general use. My tablet does know my Rhapsody and Netflix passwords, but those are low-value targets.
by telemark
Sat Jul 11, 2015 9:07 pm
Forum: Personal Consumer Issues
Topic: Facebook's malware scan- legitimate or malware? Invasive?
Replies: 42
Views: 2901

Re: Facebook's malware scan- legitimate or malware? Invasive?

I don't have a Facebook account, for reasons similar to the ones described previously, but this appears to be as legitimate as anything Facebook ever does. It's not some third party masquerading as Facebook and trying to trick you into clicking on something, and the scan isn't done directly by them....
by telemark
Fri Jul 10, 2015 1:42 pm
Forum: Investing - Theory, News & General
Topic: Are Treasury bonds in a "bubble"?
Replies: 17
Views: 1623

Re: Are Treasury bonds in a "bubble"?

I consider that something is in a bubble when ⋅  the price has recently gone up dramatically (in 1999 the NASDAQ doubled in six months). ⋅  people are buying it because the price keeps going up and they're afraid of missing out. ⋅  the buzz in the media is all about how...
by telemark
Fri Jul 10, 2015 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Does Anyone Plan to Work Past 70 years of Age
Replies: 63
Views: 5934

Re: Does Anyone Plan to Work Past 70 years of Age

Conversely, you might be denying a job to someone younger who needs it more. Personally, there are things I love doing and I hope to still be doing them at 70, but I don't plan on collecting a paycheck at that age.
by telemark
Fri Jul 10, 2015 11:38 am
Forum: Personal Consumer Issues
Topic: Good Low ER Fidelity Indexes
Replies: 16
Views: 734

Re: Good Low ER Fidelity Indexes

FSTVX is a total market index. It includes small and mid cap in their market weights, so including FSEVX is redundant unless you want to tilt to small/mid caps.
by telemark
Thu Jul 09, 2015 9:49 pm
Forum: Investing - Theory, News & General
Topic: John Bogle vs. the Bogleheads
Replies: 49
Views: 4129

Re: John Bogle vs. the Bogleheads

stemikger wrote:Just wondering if we should make a sub genre of the Boglheads that follow Jack to the letter

What would you argue about?
by telemark
Tue Jul 07, 2015 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Why US market is falling due to Greece crisis?
Replies: 14
Views: 1431

Re: Why US market is falling due to Greece crisis?

⋅ Ever notice that when a car in the right lane slows down to turn off the highway, the cars in the adjacent lane will slow down too, even though it makes no sense? Behavior doesn't have to be rational and usually isn't. ⋅ An efficient market has correctly priced the chances of ...
by telemark
Mon Jul 06, 2015 9:40 pm
Forum: Personal Consumer Issues
Topic: Chromebook: WiFi Monochrome Laser for Google Cloud Print
Replies: 17
Views: 2037

Re: Chromebook: WiFi Monochrome Laser for Google Cloud Print

Good news. :D

If your printing is infrequent enough, you might consider leaving it unplugged when not in use, just in case lightning strikes twice.
by telemark
Sun Jul 05, 2015 12:56 pm
Forum: Personal Consumer Issues
Topic: Internet storage and backup for Mac. Dropbox, iCloud, others?
Replies: 54
Views: 3287

Re: Internet storage and backup for Mac. Dropbox, iCloud, others?

Tarsnap is probably the most secure option, although it has an interface that only Unix command line users will like.

https://www.tarsnap.com/
by telemark
Sat Jul 04, 2015 11:27 am
Forum: Personal Consumer Issues
Topic: Chromebook: WiFi Monochrome Laser for Google Cloud Print
Replies: 17
Views: 2037

Re: Chromebook: WiFi Monochrome Laser for Google Cloud Print

The question there is whether you can find a driver for XP that will work with the printer. You might have to check the manufacturer's web site to see if they have XP drivers. It's also possible that the drivers for an older model would work. Cloud printing avoids the problems with drivers, but it d...
by telemark
Sat Jul 04, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: Aren't we obsessing way too much about our portfolios?
Replies: 84
Views: 6897

Re: Aren't we obsessing way too much about our portfolios?

Some says yes and some says absolutely :D
by telemark
Sat Jul 04, 2015 10:39 am
Forum: Personal Consumer Issues
Topic: Chromebook: WiFi Monochrome Laser for Google Cloud Print
Replies: 17
Views: 2037

Re: Chromebook: WiFi Monochrome Laser for Google Cloud Print

All good points. The HL-L2360DW is the same as the L2340DW but does include the ethernet port. Interestingly, one reviewer on amazon mentioned it was hell to setup via ethernet as opposed to initial setup via USB. http://www.amazon.com/Brother-Hl-l2360d ... B00LEA5EJM Oh, I see. But here's the thin...
by telemark
Sat Jul 04, 2015 9:13 am
Forum: Personal Consumer Issues
Topic: Chromebook: WiFi Monochrome Laser for Google Cloud Print
Replies: 17
Views: 2037

Re: Chromebook: WiFi Monochrome Laser for Google Cloud Print

Wireless performance is going to vary widely because it depends so much on circumstance. Some people live in big houses with thick walls, some live in small apartments with lots of interference with neighboring routers, some printers may have trouble connecting to some wifi routers. If you can run a...
by telemark
Fri Jul 03, 2015 8:36 pm
Forum: Personal Consumer Issues
Topic: Chromebook: WiFi Monochrome Laser for Google Cloud Print
Replies: 17
Views: 2037

Re: Chromebook: WiFi Monochrome Laser for Google Cloud Print

Sorry about the lightning strike. Most of my electronics are on surge protectors, but not the laser printer (or the microwave oven, for that matter). Anyway, I see that the WireCutter is now recommending the Brother HL-L2340DW, along with a few alternates. The Brother does Google Cloud Print, so sho...
by telemark
Wed Jul 01, 2015 11:47 pm
Forum: Investing - Help with Personal Investments
Topic: How do you Lazy portfolio funders deal with dips in the market?
Replies: 61
Views: 7029

Re: How do you Lazy portfolio funders deal with dips in the market?

What constitutes the "Lazy portfolio" exactly? Sounds intriguing. Any portfolio qualifies as lazy when it eschews stock picking and market timing in favor of maintaining a fixed asset allocation, using index funds when available, and infrequent rebalancing. Set it once, check it yearly, a...
by telemark
Tue Jun 30, 2015 8:36 pm
Forum: Investing - Theory, News & General
Topic: TIPS - Did you give up?
Replies: 113
Views: 12288

Re: TIPS - Did you give up?

TIPS are intended to protect against unexpected inflation, I keep seeing this statement.To me,TIPS are intended to keep pace with actual Inflation.All future inflation is unpredictable. Yes, but expected inflation is priced in, so in an efficient market you would do as well in nominal bonds. I own ...
by telemark
Tue Jun 30, 2015 2:04 pm
Forum: Personal Consumer Issues
Topic: How to use SSD computer
Replies: 24
Views: 2652

Re: How to use SSD computer

I use a desktop at work with a 100GB SSD, and I spend a lot of time looking for old files to delete. It's very fast, at least until the drive fills up, but I wish they'd included another slower drive with more capacity. The point is that SSD is expensive. Some people pay extra for the speed, and oth...
by telemark
Mon Jun 29, 2015 3:14 pm
Forum: Personal Consumer Issues
Topic: Can you simply change the music file structure in iTunes?
Replies: 13
Views: 1648

Re: Can you simply change the music file structure in iTunes?

If this is on Windows, I believe that mp3tag can do the rearranging for you. To rebuild the index afterwards, you should be able to point your player at your new directory structure and tell it to index everything it finds. By default iTunes will want to rearrange everything again, but there are som...
by telemark
Sun Jun 28, 2015 12:03 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 965
Views: 191203

Re: What Book Are You Currently Reading? Part VI

Terry Pratchett's _Raising Steam_. I'm not a Pratchett completist (unlike some members of my family), but I've read enough to understand that he uses the Discworld as a platform for whatever he wants to write about. In this case what he wanted to write about seems to be mostly politics. I don't part...
by telemark
Sun Jun 28, 2015 10:49 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1049
Views: 177207

Re: What Movie Have You Recently Watched?

Hansel and Gretel: Witch Hunters. I watched this one because it disappears from Netflix in a few days, and it was better than I expected. I think it would have been better with a little less emphasis on all the action scenes. There's a decent story there, but it needs more room to breathe.
by telemark
Sat Jun 27, 2015 4:07 pm
Forum: Personal Consumer Issues
Topic: Need to dispose tube TV in Pennsylvania. Township won't pick up.
Replies: 37
Views: 3323

Re: Need to dispose tube TV in Pennsylvania. Township won't pick up.

Set it out on the curb and put a large sign on it that says "Still works -- FREE!" May or may not work, but worth a try. There's been one of those, including the "still works" part, on the opposite side of my street for at least three weeks now. I just checked: it's still there....
by telemark
Sat Jun 27, 2015 9:15 am
Forum: Personal Consumer Issues
Topic: Squirrel nemesis
Replies: 60
Views: 5982

Re: Squirrel nemesis

If all else fails, I suggest watching https://www.youtube.com/watch?v=gtI1pWkHto0 and reflecting on how much worse things could be.
by telemark
Wed Jun 24, 2015 12:48 pm
Forum: Personal Consumer Issues
Topic: Do I need to keep my landline number?
Replies: 58
Views: 6852

Re: Do I need to keep my landline number?

I'm wearing a heart monitor this week, and it requires a landline to transmit the data to the monitoring company. It uses an acoustic coupler, with a little speaker that squeals into the microphone, so digital lines won't work. Not a problem for most people, but something to be aware of.
by telemark
Tue Jun 23, 2015 12:37 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14698

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

To be precise, owning REIT stock is an unleveraged investment in a leveraged business. You may lose everything you invested, but not everything you borrowed, because you didn't borrow anything. It isn't comparable to leveraging stocks, where you can easily lose more than you started with. But you do...
by telemark
Tue Jun 16, 2015 9:02 pm
Forum: Personal Finance (Not Investing)
Topic: Call from debt collector, should I follow up
Replies: 19
Views: 2694

Re: Call from debt collector, should I follow up

I get calls like this from time to time (I have no debt) and when I do a web search on them they always appear to be scams. As does this one.

Block the number, if your carrier supports that, and get on with your life.
by telemark
Sun Jun 14, 2015 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Value Tilt Portfolio Allocation
Replies: 11
Views: 1442

Re: Value Tilt Portfolio Allocation

The author's conclusions are false because his 3 assumptions are not quite true. Anomalies exist. All you would need to do is screen out IPOs and very small growth stocks and you have a more-efficient-than-TSM portfolio. If you assume a perfectly efficient market than it naturally follows that TSM ...
by telemark
Sat Jun 13, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: Rebalancing
Replies: 41
Views: 4103

Re: Rebalancing

I started saving and investing for retirement c. 1980. I based my strategy on Malkiel's book A Random Walk Down Wall Street , which I read c. 1981-82. I think I had the first edition from 1973. I don't recall anything in the book about rebalancing. Malkiel said invest on the S&P500 Index or equ...
by telemark
Fri Jun 12, 2015 1:50 pm
Forum: Personal Consumer Issues
Topic: Which is a best place to start learning yoga?
Replies: 31
Views: 3264

Re: Which is a best place to start learning yoga?

A good teacher is better than a video because the teacher can make corrections, offer suggestions, answer questions, etc. People study yoga for many reasons. A good teacher will understand this, work with you, and accomodate any physical limitations you may have. Sadly, some teachers are not good, b...
by telemark
Fri Jun 12, 2015 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: 401K's and Expense ratio's
Replies: 8
Views: 788

Re: 401K's and Expense ratio's

The total expense ratio is the weighted average of the individual ratios. See https://en.wikipedia.org/wiki/Weighted_arithmetic_mean I set up a spreadsheet for this when I'm exploring different fund choices. P.S. The match you're getting makes higher expenses more tolerable, but lower is still better.
by telemark
Thu Jun 11, 2015 10:37 pm
Forum: Personal Consumer Issues
Topic: Chromebooks- What is the lure?
Replies: 104
Views: 8772

Re: Chromebooks- What is the lure?

I have a Samsung Chromebook that I take with me when traveling. It's perfect for that: small and light and if I lose it somehow it's no great loss. Other than that I don't use it much. I don't like the screen and I have a better computer at home.
by telemark
Thu Jun 11, 2015 12:14 pm
Forum: Personal Consumer Issues
Topic: Non-Bogleheads approach to changing cars?
Replies: 44
Views: 5145

Re: Non-Bogleheads approach to changing cars?

I think your approach is perfectly reasonable. Keep a car until it no longer meets your needs, either because it has become unreliable or because your needs have changed.

Trying to anticipate your needs years in advance would be akin to market timing :)
by telemark
Wed Jun 10, 2015 9:51 am
Forum: Investing - Theory, News & General
Topic: Why Stocks are not "cheap" relative to bonds
Replies: 17
Views: 2583

Re: Why Stocks are not "cheap" relative to bonds

JoMoney wrote:I find it difficult to call Hussman a "contrarian".
It was a careless choice of words on my part. But he does seem to be disagreeing with *someone*, and I'm always interested on counter-arguments.

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