Search found 1945 matches

by telemark
Tue Aug 22, 2017 9:32 am
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 4771

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

I'm failing to understand one thing about this; why is a long, lowercase, English word only password better than a password of the same length which includes special characters, capitalization, etc.? It isn't. But it can be just as good as a much shorter random password, and easier to remember. The...
by telemark
Sun Aug 20, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: "Forget Tough Passwords: New Guidelines Make It Simple"
Replies: 43
Views: 4771

Re: "Forget Tough Passwords: New Guidelines Make It Simple"

These are not bad suggestions and it's good to see the NIST catching up to the XKCD cartoon, which dates from, what, 2010ish? But many sites don't allow very long passwords and require special characters. And in my opinion not reusing passwords is still the most important thing and I'm not going to ...
by telemark
Sun Aug 20, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: What is Bitcoin?
Replies: 112
Views: 7023

Re: What is Bitcoin?

I myself had never learned about the "tulip bulbs" people sometimes reference as a comparison to the bitcoin scheme. So if you're not familiar with tulip bulbs, you may opt to not take a minute to look up the tulip bulb phenomenon in history. There doesn't seem to be any good argument from the bitc...
by telemark
Fri Aug 18, 2017 12:09 am
Forum: Personal Consumer Issues
Topic: Organ (Music) Question
Replies: 6
Views: 550

Re: Organ (Music) Question

To whom does one donate something like this? My parents have an old Schober, much like the one pictured here that I will eventually be responsible for. Just getting it out of the apartment will be a job.
by telemark
Thu Aug 17, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone planning on never retiring?
Replies: 138
Views: 9465

Re: Anyone planning on never retiring?

No. There are things I am passionate about, things I used to be passionate about and might be again, things I might become passionate about in the future, but my job is not now one of these and I'm too comfortable to switch. Looking forward to having more time to call my own. A bit of napping would ...
by telemark
Wed Aug 16, 2017 3:47 pm
Forum: Personal Consumer Issues
Topic: Why/how can Android web browsers stall the whole OS?
Replies: 8
Views: 806

Re: Why/how can Android web browsers stall the whole OS?

I don't know but will speculate anyway. Even with preemptive multitasking there are going to be critical sections, code that only one thread can execute and resources that only one thread can own. And any time you're using a network there will be code that normally executes very quickly but occasion...
by telemark
Wed Aug 16, 2017 1:36 pm
Forum: Investing - Theory, News & General
Topic: Going passive is an active decision
Replies: 32
Views: 2380

Re: Going passive is an active decision

When you are an active manager you can either talk about your returns or you can play games with redefining words, for example white objects reflect all the light coming at them so they are really black, and so on.
by telemark
Tue Aug 15, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: ipad or tablet for hospital?
Replies: 32
Views: 2119

Re: ipad or tablet for hospital?

Sorry to hear about the hospital stay. If possible, I suggest letting the patient get used to using the device beforehand. You might also consider adding headphones or small bluetooth speakers, the speakers in most tablets are not very good. Charging is a problem but in my experience the nurses are ...
by telemark
Mon Aug 14, 2017 5:39 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 2961

Re: Your Movie Collection?

My collection is small and the choices mostly fall into two categories: impulse buys at the bargain bin, many of them still in the original wrapping (but hey, you don't see Dr. Phibes on sale every day) and obscure movies that I track down and purchase online. I paid an embarassing amount for Saura'...
by telemark
Sun Aug 13, 2017 2:30 pm
Forum: Personal Consumer Issues
Topic: For those switching to Chrome from Firefox
Replies: 31
Views: 2121

Re: For those switching to Chrome from Firefox

I use FF on my mac. But somethings just don't open or appear & I need to use chrome for those. Chrome is also better I think for streaming video. Chrome can be a memory hog on PC's as it opens multiple background sessions for quicker reloading I guess. Check Task Manager when you're running chrome ...
by telemark
Thu Aug 10, 2017 12:57 pm
Forum: Investing - Theory, News & General
Topic: Still Buying As planned Regardless Of The World Situation
Replies: 72
Views: 7660

Re: Still Buying As planned Regardless Of The World Situation

I'm still buying normally, but normal currently means 100% into bonds, to help keep my portfolio near its target allocation. If the market ever drops I'll start buying stocks again, for the same reason.
by telemark
Mon Aug 07, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Santa Fe New Mexico - recommendations
Replies: 26
Views: 1745

Re: Santa Fe New Mexico - recommendations

If I had the opportunity I would visit Meow Wolf.

http://grrm.livejournal.com/527627.html
by telemark
Mon Aug 07, 2017 12:11 pm
Forum: Investing - Theory, News & General
Topic: Greenspan: Look Out When Bonds Pop
Replies: 58
Views: 8213

Re: Greenspan: Look Out When Bonds Pop

Valuethinker, a very good analysis. I pretty much agree with what you said above. Hoping that I can accumulate enough money and retire before the robots take all the jobs! :wink: As far as commercial space, I am waiting for dying shopping malls to be repurposed into Amazon Distribution Centers. :wi...
by telemark
Mon Aug 07, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: Has the "bond bubble" caused you to change your allocation?
Replies: 90
Views: 9055

Re: Has the "bond bubble" caused you to change your allocation?

I did move about a third of my bond allocation to a stable value fund, but that was me trying to compensate for the other two thirds, which is in a managed fund (PICYX) that has a lot of BBB-rated bonds and mortgage-backed securities.

That's my story anyway, and I'm sticking to it :)
by telemark
Sun Aug 06, 2017 11:58 am
Forum: Personal Finance (Not Investing)
Topic: Losing confidence in Ally Bank - what would you do
Replies: 58
Views: 6592

Re: Losing confidence in Ally Bank - what would you do

I think it's a mistake to feel loyalty towards banks. It's not as though they will return it. Get your warm fuzzy feelings somewhere else. One point if you do move and you have an account with Treasury Direct *and* the account you are closing is the one you have linked to Treasury Direct (most of yo...
by telemark
Fri Jul 28, 2017 9:40 am
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 4981

Re: Why is everything done with a mouse?

But keyboard shortcuts use the outlier keys like Ctrl, which causes a touch-typer to stretch their little finger to hit Ctrl. I find that awkward and I usually miss the key. It's way harder than hitting the Shift key. That's why some people remap the Caps Lock key to act as a control key. Especiall...
by telemark
Thu Jul 27, 2017 4:56 pm
Forum: Personal Consumer Issues
Topic: Why is everything done with a mouse?
Replies: 49
Views: 4981

Re: Why is everything done with a mouse?

It's because the browser is fundamentally unsuited for most of the things people want to use it for. Browsers are marvelous tools for viewing hypertext. Doing anything past that is, well, think of a pig in lipstick and a ball gown attempting to dance the Viennese waltz. It's amazing that it works at...
by telemark
Tue Jul 25, 2017 11:38 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15968

Re: Vanguard upgraded my accounts - angry

A curiosity question. If you want to remain on a system like Vanguard's that only deals with mutual funds and is separate from a brokerage account, what financial firms can you look at to see if you like it better? As far as I can tell, the answer is none. Once upon a time, if you wanted to own Van...
by telemark
Mon Jul 24, 2017 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15968

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

... and it is very likely that there is an upgrade button on a Vanguard Mutual Funds "account". I haven't seen it, and I logged in today specifically to find it. I did not see one, neithe on my iPad Vanguard app nor on my Web login. I'm not saying it's not there, but I can't find it. Can ...
by telemark
Mon Jul 24, 2017 10:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 146
Views: 15968

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

...instead of waiting until Vanguard does it automatically. They can't do it automatically. You can't just open brokerage accounts for people w/o their consent. We have one report in this thread of Vanguard accidentally (and irreversibly) making a conversion without the owner's consent, and the ori...
by telemark
Fri Jul 21, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 2641

Re: Schwab's Modern Approach to Asset Allocation - Comments

Personal Capital suggests something similar. A class of alternatives that includes real estate, energy, gold, commodities and " other." Good old "other". Is there an ETF for that? Trying to figure that one out myself. Can't find the ticker symbol for that. Sadly, ETC already see...
by telemark
Fri Jul 21, 2017 12:27 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3264

Re: Cryptocurrencies

Tangentially: to me, "segue" means "to manipulate turntables and faders so as to cross-fade elegantly from one song to another, without any speaking in between." As in "What are we going to do, the announcer hasn't shown up yet?" "Oh, I'll just do a segue serenade...
by telemark
Fri Jul 21, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Cryptocurrencies
Replies: 45
Views: 3264

Re: Cryptocurrencies

This is not a recommendation, but what I would do if I had more enthusiasm would be to mine some of the newer currencies, the ones new enough that you can still mine them with an ordinary desktop, and then just store them on a USB stick or a hard drive. That would give me some hands-on experience wi...
by telemark
Wed Jul 19, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12015

Re: Books not to read.

qwertyjazz wrote:Necronomicon Ex-mortis

Don't read The King in Yellow either. You'll be sorree...

And never ever rent a haunted videotape.
by telemark
Wed Jul 19, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"
Replies: 15
Views: 1428

Re: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"

On what exchange does Vanguard do its trading, and does it collect kickbacks for using that exchange? Rinse and repeat for Blackrock, Fidelity, Schwab, your favorite ETF provider, etc. And if Vanguard used kickbacks to lower its costs, would that be a good thing or a bad thing?
by telemark
Wed Jul 19, 2017 3:03 pm
Forum: Investing - Theory, News & General
Topic: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"
Replies: 15
Views: 1428

Re: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"

supertreat wrote:
telemark wrote:Shouldn't that read "Wall Street Profits by Putting Traders in the Slow Lane"? How does this affect buy and hold investors?


Did you read the piece?

Yes.
by telemark
Wed Jul 19, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"
Replies: 15
Views: 1428

Re: New Swensen Op Ed "Wall Street Profits by Putting Investors in the Slow Lane"

Shouldn't that read "Wall Street Profits by Putting Traders in the Slow Lane"? How does this affect buy and hold investors?
by telemark
Wed Jul 19, 2017 12:21 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab's Modern Approach to Asset Allocation - Comments
Replies: 28
Views: 2641

Re: Schwab's Modern Approach to Asset Allocation - Comments

Iliketoridemybike wrote:Personal Capital suggests something similar. A class of alternatives that includes real estate, energy, gold, commodities and " other."

Good old "other". Is there an ETF for that?
by telemark
Tue Jul 18, 2017 9:34 am
Forum: Personal Consumer Issues
Topic: Books not to read.
Replies: 155
Views: 12015

Re: Books not to read.

Varney the Vampire; or, the Feast of Blood My university library had this in three fat volumes and I read it all the way to the end, from historical curiosity and because the first chapter is rattlingly good. Unfortunately, the rest of it is uniformly awful. Read the first chapter, look at the illus...
by telemark
Mon Jul 17, 2017 4:29 pm
Forum: Personal Consumer Issues
Topic: kitchen appliance recommendations, esp refrigerator
Replies: 32
Views: 2105

Re: kitchen appliance recommendations, esp refrigerator

Regarding Sub-zero, I can anecdotally report our custom front built-in has performed flawlessly for 24+ years --- not uncommon according to other owners I've known. Guess there's something to be said for Badger craftsmanship. . I have an avocado G.E. model that's at least 33 years old that refuses ...
by telemark
Wed Jul 12, 2017 4:43 pm
Forum: Investing - Theory, News & General
Topic: Anyone else gotten totally bored with investing?
Replies: 127
Views: 13872

Re: Anyone else gotten totally bored with investing?

Someone or other described war as long periods of boredom punctuated by brief moments of terror. Perhaps the same applies to investing?
by telemark
Tue Jul 11, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: Have you switched from Total International to Slice & Dice or vice versa?
Replies: 28
Views: 2064

Re: Have you switched from Total International to Slice & Dice or vice versa?

I started my taxable portfolio with a slice and dice portfolio modelled after the Ultimate Buy and Hold, using 10% Vanguard Developed Market VDMIX 20% Vanguard International Value VTRIX 10% Vanguard FTSE All-World ex-US Small Cap Index VFSVX 10% Vanguard Emerging Markets Index VEIEX A few years ago ...
by telemark
Fri Jul 07, 2017 3:34 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4899

Re: Better hurry if you want a gas-engine Volvo

Show of hands....how many people here (1) own a car AND (2) rely exclusively on public street parking? I don't park on the street. I have a reserved spot in my condominium's parking lot and no obvious way to add a charging station (and I have researched this at least somewhat). We did get fiber int...
by telemark
Fri Jul 07, 2017 2:16 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4899

Re: Better hurry if you want a gas-engine Volvo

I doubt a renter will be setting up a charging station in the apartment parking lot. I doubt condo associations will allow owners to install personal charging stations in public spaces (outdoor parking/parking garages/ect.). These are just a few examples of why your idea is not feasible. It's being...
by telemark
Fri Jul 07, 2017 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 28
Views: 2332

Re: Unable to Escape from Quicken Island ...

3) Likewise I have followed with interest the exploration of Quicken alternatives. Like many I reject out-of-hand, any "solution" that puts my data in the cloud. 7) In reflecting on all this, I continue to be amazed that there is not a genuinely viable Quicken alternative. One quote proba...
by telemark
Thu Jul 06, 2017 2:04 pm
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4899

Re: Better hurry if you want a gas-engine Volvo

This was a stupid move by Volvo. Their low sales are going to tank now that they have announced all their products are effective end of life. Why would I buy a car that I know will be discontinued in 2 years? I'll keep my current car for 2 more years and see what electric vehicles are around then. ...
by telemark
Thu Jul 06, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Better hurry if you want a gas-engine Volvo
Replies: 96
Views: 4899

Re: Better hurry if you want a gas-engine Volvo

There is some ambiguity in the articles I've read. The press release states Volvo Cars, the premium car maker, has announced that every Volvo it launches from 2019 will have an electric motor... The key word here is launch. Plainly every new model introduced from 2019 onward will include an electric...
by telemark
Tue Jul 04, 2017 12:19 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11812

Re: Paul Merriman: The One Fund Every Investor Should Own

Note Merriman does opt for a highly suspect 1/n fallacy where n = 10. Sorry if this is clear to everyone else, but I'm not familiar with this terminology. Please help me out here ... what does this mean? It means that a person makes up a recipe that has ten funds in it and just says put 1/10th in e...
by telemark
Mon Jul 03, 2017 12:19 pm
Forum: Personal Consumer Issues
Topic: Does anybody else out there still pay for an email address?
Replies: 73
Views: 7408

Re: Thanks, everybody!

PS: remember the sound a modem made when it dialed up and went through that long noisy hand-shake protocol? Remember how cool and futuristic and advanced and plugged-in you felt? Wow, Star Trek right there in your own house! I heard that there were people who could whistle to talk to a modem. Yes, ...
by telemark
Mon Jul 03, 2017 10:57 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman: The One Fund Every Investor Should Own
Replies: 89
Views: 11812

Re: Paul Merriman: The One Fund Every Investor Should Own

Since this particular recommendation is now four years old it's now possible to back check how it turned out. Past results don't necessarily indicate future performance, but sometimes they do. The more subtle question is whether there is a benefit after adjusting for risk. If it's only a risk story,...
by telemark
Sat Jul 01, 2017 2:26 pm
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4232

Re: Advice on Desktop PC

I'm very happy watching streaming video on my Dell Ultrasharp U2412. This is a 24 inch monitor with 1920 x 1200 resolution: I prefer this to the more common 1920 x 1080 for desktop use because it gives me more height. I bought it in 2012 and it's still going strong. but I won't recommend it because ...
by telemark
Fri Jun 30, 2017 5:44 pm
Forum: Personal Finance (Not Investing)
Topic: Those who max 401k
Replies: 55
Views: 6861

Re: Those who max 401k

I divide the max (24K for me) by the number of pay periods. But I also check each deposit, especially near the end of the year, because mistakes sometimes happen. Fortunately the HR office is always happy to fix them.
by telemark
Mon Jun 26, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3130

Re: Surge Protector for Refrigerator

nisiprius wrote:I find it distracting that people in this thread are abbreviating "refrigerator" to four letters instead of the customary "fridge."

Lightening is a word also, but not one related to electrical discharges.

Are any of these whole-house protectors usable in an apartment building?
by telemark
Fri Jun 23, 2017 11:15 pm
Forum: Investing - Theory, News & General
Topic: Advantages of Indexing Besides Low Cost
Replies: 14
Views: 1391

Re: Advantages of Indexing Besides Low Cost

Given the choice between an expensive index fund (and they do exist) and a low cost managed fund (these exist also), I will go for the lower cost every time.
by telemark
Fri Jun 23, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 36
Views: 3130

Re: Surge Protector for Refrigerator

Refrigerators don't draw that much current. I have my ancient fridge on a Kill-a-Watt, and it uses 120 watts max. So
an ordinary surge protector should be fine.
by telemark
Fri Jun 23, 2017 11:01 am
Forum: Investing - Theory, News & General
Topic: [NY Times: Index fund evangelist is straying From His Gospel]
Replies: 32
Views: 3683

Re: [NY Times: Index fund evangelist is straying From His Gospel]

The article seems to take as given, without ever quite saying it, that only a cap-weighted total-market index is indexing, and that everything else is not indexing. But the first publically traded index fund, VFINX, is not a total-market index, and neither are all the small-cap, mid-cap, value, and ...
by telemark
Wed Jun 21, 2017 3:23 pm
Forum: Personal Consumer Issues
Topic: How many tech devices do you have?
Replies: 75
Views: 3673

Re: How many tech devices do you have?

My skateboard bearings are lubed with a nanoceramic grease that fixes problems on the roll, as it were. Or does it have to be internet connected? Does my heart rate monitor count? It does Bluetooth.

Almost every appliance sold in the last thirty years has at least one microprocessor in it.
by telemark
Tue Jun 20, 2017 1:04 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5606

Re: Alternatives to Amazon

I disagree. Even if they know the neighborhood, deliveries can be wrong. Our letter carrier delivers someone else's mail to our house about once a week and I see neighbors running some of their mail to other houses. I talked to the carrier yesterday to find out what's going on. I asked if the mail ...
by telemark
Tue Jun 20, 2017 11:38 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5606

Re: Alternatives to Amazon

Jeez, these are people just trying to make a buck. It's not entirely their fault customers don't like them. For example, my local mailman, Fedex and UPS drive know I have small children and never ring the doorbell because of the potential naps. The Amazon Flex people ring, bang on the storm door a ...
by telemark
Tue Jun 20, 2017 10:10 am
Forum: Personal Consumer Issues
Topic: Alternatives to Amazon
Replies: 76
Views: 5606

Re: Alternatives to Amazon

I like Newegg and try to throw business their way when I can. But in my state they use Ontrac for the lowest cost shipping, so I usually pay a little more for UPS or USPS, both of which are now fine at my address.