Search found 1903 matches

by telemark
Mon Jun 26, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: Surge Protector for Refrigerator
Replies: 28
Views: 2026

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: 1237

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: 28
Views: 2026

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: 3358

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: 3120

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: 4986

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: 4986

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: 4986

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.
by telemark
Tue Jun 20, 2017 10:03 am
Forum: Investing - Help with Personal Investments
Topic: Has Vanguard gotten too big?
Replies: 30
Views: 4047

Re: Has Vanguard gotten too big?

Online chat is also an efficient way for customer representatives to operate. It's more precise than trying to trying to spell things out over the phone (alpha bravo foxtrot) and you can see the history of the conversation. And when I've used it, I had the impression the rep was managing a number of...
by telemark
Mon Jun 19, 2017 4:48 pm
Forum: Investing - Theory, News & General
Topic: is offering this [Vanguard] website feature feasible?
Replies: 29
Views: 1925

Re: is offering this [Vanguard] website feature feasible?

This is trivial to implement as a private spreadsheet or add-on, where if it stops working you can tweak it until it works again. Offering the same through the Vanguard web site means it would have to be designed, debugged, tested (ideally by writing regression tests), and maintained by the same sta...
by telemark
Wed Jun 07, 2017 9:41 am
Forum: Personal Consumer Issues
Topic: Black and white laser printers
Replies: 43
Views: 2208

Re: Black and white laser printers

For Chromebooks, look for a printer that supports Google Cloud print. There's a partial list at https://www.google.com/cloudprint/learn/printers/ For Apple products you can use either Google Cloud print or Apple's Airprint. Brother printers that support Airprint are at http://www.brother-usa.com/con...
by telemark
Tue Jun 06, 2017 10:25 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2715
Views: 764044

Re: What Movie Have You Recently Watched?

I just watched "Alien: Covenant" today, and, wow. A lot of WTF type moments in it. I didn't have an awful time at the theatre, but I would recommend it only for people whose sci-fi fandom means they have a wide tolerance for mediocre movies. It will make no one forget the original (or its...
by telemark
Mon Jun 05, 2017 4:55 pm
Forum: Personal Consumer Issues
Topic: I need a planter for dwarf pine on balcony
Replies: 6
Views: 371

Re: I need a planter for dwarf pine on balcony

What climate do you live in? If you get cold/freezing winters you will likely need something different than if you don't. It does freeze in the winters here, the low temperature is usually in the mid-20s (Fahrenheit). That's one of my concerns for the self-watering containers, what if the reservoir...
by telemark
Mon Jun 05, 2017 2:29 pm
Forum: Personal Consumer Issues
Topic: I need a planter for dwarf pine on balcony
Replies: 6
Views: 371

Re: I need a planter for dwarf pine on balcony

Simply go to a store like Marshalls, Walmart, T.J. Maxx, etc. and purchase a pot. Thanks. I almost did that last night, but noticed that some of them had "smart bottoms" and decided to research things a bit more. Also, at this price level I'm willing to splurge a bit. I forgot to mention,...
by telemark
Mon Jun 05, 2017 1:45 pm
Forum: Personal Consumer Issues
Topic: New iPad use
Replies: 34
Views: 2834

Re: New iPad use

After you get wifi going, try Google Maps, or I guess Apple Maps for an iPad. At least with Google maps you can download the information for an area before you leave home.
by telemark
Mon Jun 05, 2017 1:24 pm
Forum: Personal Consumer Issues
Topic: I need a planter for dwarf pine on balcony
Replies: 6
Views: 371

I need a planter for dwarf pine on balcony

I have a west-facing balcony that's in the shade about half the day but gets a lot of sun in the afternoon. Last week I bought a small pine, pinus mugo , to put on it, and now I'm looking for a container to replace the one from the nursery. This plant is described as being hardy, cold resistant and ...
by telemark
Wed May 31, 2017 11:38 am
Forum: Investing - Help with Personal Investments
Topic: Predicted 4% return over next decade. What do you do now?
Replies: 71
Views: 6630

Re: Predicted 4% return over next decade. What do you do now?

The thing to understand with any prediction like this is that we are looking at a wide range of possible returns with varying probabilities, where 4% is somewhat more likely than 12% or -5%, but only somewhat. I don't know what the actual return will turn out to be ten years from now, but it will al...
by telemark
Fri May 26, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

telemark - you made a statement, you got rebutted Actually you never did address the point of my message, which was that I agree with Ms. Johnson: if she is one of the few, it is probably not an accident. You chose instead to complain , again and again and again and yet again , that my "comple...
by telemark
Fri May 26, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard REIT ETF ER increased?!?
Replies: 13
Views: 1832

Re: Vanguard REIT ETF ER increased?!?

Most of my REIT is in Institutional shares (VGSNX) in an old 401K, but I have a slice of Admiral shares in my Roth at Vanguard, so I see the same message as the OP. Even VGSNX is 0.10%, so 0.12% isn't too shabby.
by telemark
Thu May 25, 2017 2:58 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

After careful consideration, I think hasty generalization is applicable here, but what really works well is something called "weak man fallacy", in which someone takes an opponent's weakest point, and portrays it as the entirety of his or her position. Of course we all do this. Works like...
by telemark
Thu May 25, 2017 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Emergency Fund too large
Replies: 31
Views: 5138

Re: Emergency Fund to large

Stop thinking of it as your emergency fund; you already have one of those. This is a big chunk of cash that you can't decide what to do with.
by telemark
Thu May 25, 2017 3:12 am
Forum: Personal Consumer Issues
Topic: Suits: best bang for your buck?
Replies: 62
Views: 6807

Re: Suits: best bang for your buck?

poker27 wrote:Please don't buy a black suit.

Unless you have already been issued a neuralyzer.
by telemark
Thu May 25, 2017 3:10 am
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

I don't know what uses Fidelity has found for bitcoin, that are ALSO best solved by bitcoin, that Fidelity can ALSO make money from. These are not arbitrary conditions I threw in just to be difficult. "How do I buy lunch in the company cafeteria" is a problem that bitcoin can solve, but y...
by telemark
Wed May 24, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

Yes, it's not 100% complete, but it's also not 25% complete. This is not an argument over citation style, but over the bulk of your position. Then you might try addressing that position, rather than simply complaining that I didn't copy an article verbatim. Here, I'll start: What uses has Fidelity ...
by telemark
Wed May 24, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

You are correct, it is not 100% complete, which is why I provided the link. It does correct an omission in the quote you previously provided. Is arguing about citation styles a good use of anyone's time?
by telemark
Wed May 24, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: SEC Rejects Winklevoss Bitcoin ETF
Replies: 67
Views: 7414

Re: SEC Rejects Winklevoss Bitcoin ETF

Ms. Johnson's complete statement appears to be But I am still a believer - and it's no accident that I'm one of the few standing before you today from a large financial services firm that hasn't given up on digital currencies and it probably is not an accident. Although it seems odd that it is the n...
by telemark
Tue May 23, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: The dot com "do over" bull market?
Replies: 82
Views: 7949

Re: The dot com "do over" bull market?

Juicero? Uber? There's a lot more venture capital available now, so tech-based startups can get very large on private investment before ever doing an IPO.
by telemark
Tue May 23, 2017 2:11 pm
Forum: Personal Consumer Issues
Topic: At what point to buy new car for safety
Replies: 74
Views: 4845

Re: At what point to buy new car for safety

People don't drive like idiots when they are given safer cars. They keep on driving the same way they always have (and yes people have always driven like idiots). The idea is formally known as risk compensation, with a stronger version called risk homeostatis. See https://en.wikipedia.org/wiki/Risk...
by telemark
Mon May 22, 2017 1:19 pm
Forum: Personal Consumer Issues
Topic: Risks of electronic access
Replies: 57
Views: 4787

Re: Risks of electronic access

Once a year I write a check to my old university and put it in the mail; this the only financial dealing I have with them. They recently sent me a letter saying they had discovered a data breach and that my bank information may have been compromised. The first thing I did was sign in to my bank and ...
by telemark
Sun May 21, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Unable to create Social Security website account
Replies: 25
Views: 12689

Re: Unable to create Social Security website account

Bumping an old thread... I've tried twice now. The first time I answered all the questions and then was told the service was temporarily unavailable. Tried again the next day and got a 24-hour suspension. Both times none of the questions had anything to do with me and I answered all of them with &qu...
by telemark
Sat May 20, 2017 1:50 pm
Forum: Investing - Theory, News & General
Topic: MarketWatch "Lazy Portfolios"
Replies: 10
Views: 1635

Re: MarketWatch "Lazy Portfolios"

The important decision is how much to hold in bonds, followed by how much to allocate to international. As long as you keep the costs low, the other choices really don't matter much, which is probably why we debate them so often: the differences, if any, disappear into the general market noise. Of c...
by telemark
Thu May 18, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Justification for holding Emerging Markets?
Replies: 67
Views: 3307

Re: Justification for holding Emerging Markets?

Without addressing the original question, I just want to add that I admire your timing. Most people question an asset class after a period of underperformance, but VWO shows a one-year return of 24.89%. So, points for originality. If you decide to get out, no one can accuse you of selling low.
by telemark
Thu May 18, 2017 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocation across multiple accounts
Replies: 19
Views: 1459

Re: Help with asset allocation across multiple accounts

This part bothers me His 401k xx% fund name (ticker symbol) (expense ratio) 31% Principal LargeCap S&P 500 Index Inst Fund (PLFIX) (0.16%) 13% Principal MidCap R5 Fund (PMBPX) (0.85%) 3% Principal SmallCap R5 Fund (PSBPX) (1.04%) The expenses for the mid cap and small cap funds are far too high....
by telemark
Wed May 17, 2017 6:28 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1429

Re: Home cordless phone recommendation, which takes AA or AAA batteries

Uniden is what I have now, and in general I'm happy with the call quality and overall function. This is my model: https://www.amazon.com/Uniden-Telephone-Interference-Technology-DECT3080-3/dp/B0015AB6OI/ref=cm_cr_arp_d_product_top?ie=UTF8 That may explain it. According to the manual for that set Wi...
by telemark
Wed May 17, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Home cordless phone recommendation, which takes AA or AAA batteries
Replies: 30
Views: 1429

Re: Home cordless phone recommendation, which takes AA or AAA batteries

You might try only putting the handsets in the charger when they need charging. Depending on the charger design, it may be trying to overcharge the batteries, or simply cycling them more often than needed.
by telemark
Tue May 16, 2017 4:23 pm
Forum: Investing - Help with Personal Investments
Topic: Article: "Our emergency fund is exactly $0.00"
Replies: 73
Views: 7703

Re: Article: "Our emergency fund is exactly $0.00"

With a large portfolio, reliable access to cheap credit, secure employment, and a thoroughly rational attitude towards money, you can do just fine without an emergency fund. If the portfolio is big enough you can probably forget the other requirements. And if you have a tendency towards impulse spen...
by telemark
Mon May 15, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5178

Re: Avoiding shafting my local merchants with card fees

A small grocery store I patronize has a sign at the checkout counter requesting the use of debit cards "to help maintain our low prices." Admittedly, I can't prove that they aren't trying to mislead me. Does the store offer cash discounts for those who pay with a debit card? If not, I wou...
by telemark
Mon May 15, 2017 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 49
Views: 5178

Re: Avoiding shafting my local merchants with card fees

Debit card transactions often carry the same fees as credit card transactions, so by using " bank debit card with local merchants" you're actually doing the very thing you're attempting to avoid. Some processors have a flat rate, but any merchant with some volume or smarts gets access to ...
by telemark
Sat May 13, 2017 12:38 pm
Forum: Personal Consumer Issues
Topic: how to turn off gmail spam filtering?
Replies: 19
Views: 964

Re: how to turn off gmail spam filtering?

I use aggressive spam filtering and then whitelist the addresses I expect to hear from. This won't help if you regularly get email from strangers. For Gmail the instructions are

https://www.lifewire.com/how-to-whitelist-a-sender-or-domain-in-gmail-1172106
by telemark
Tue May 09, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12093

Re: Microsoft, I want my computer back!

Windows 10 is one of the best OSes they've ever come out with. Maybe THE best since the jump to XP. In many ways it is, although I find the new UI to be not only uglier but also less usable. After ten months of regular use, I still do a lot of typing into the wrong window, because I can't just glan...
by telemark
Mon May 08, 2017 12:01 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable instead of Maxing 401(k)
Replies: 26
Views: 2123

Re: Taxable instead of Maxing 401(k)

Assuming you have an employer who offers a 401K match, you have three choices: ⋅ Find a job at a different employer who will pay you a higher salary with no 401K match. ⋅ Keep your current job and contribute up to the match. ⋅ Accept the current, hypothetically lower sa...
by telemark
Fri May 05, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: "Wondering how to convert to Admiral Shares?"
Replies: 20
Views: 2326

Re: "Wondering how to convert to Admiral Shares?"

Vanguard does this automatically, if you are patient. If you are not patient, you can do it manually.
by telemark
Fri May 05, 2017 10:13 am
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12093

Re: Microsoft, I want my computer back!

For all those concerned about others 'owning' their PCs..I'd have to assume they don't use a smartphone (the world's most intrusive, powerful data collection device..that can also make calls, send texts, and guide you to an address). :shock: As it happens, you are correct :shock: :shock: Although I...
by telemark
Thu May 04, 2017 8:18 pm
Forum: Personal Consumer Issues
Topic: Microsoft, I want my computer back!
Replies: 165
Views: 12093

Re: Microsoft, I want my computer back!

The problem is inherent in the title: if you run Windows, or MacOS, or Chrome OS, it's not your computer and never was. All you really own is the hardware. On a more productive note, besides the previously mentioned Resource Monitor, there are a lot of useful free tools available at https://technet....
by telemark
Wed May 03, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg
Replies: 64
Views: 6963

Re: Ted Seides "Why I lost My Bet With Warren Buffett" - Bloomberg

He's right about a lot of things. There is always a large element of chance involved in investing, enough that no outcome can really be regarded as conclusive. And the last eight years have been unusually kind to stock-heavy portfolios, and risk really is important: going 100% stocks is not the wise...
by telemark
Tue May 02, 2017 10:01 pm
Forum: Personal Consumer Issues
Topic: Google voice started blocking some phone calls
Replies: 10
Views: 1342

Re: Google voice started blocking some phone calls

One might think there would be a way to see a list of all the numbers you've blocked, with an option to unblock them, and perhaps there is, but I'm not able to find one.
by telemark
Fri Apr 21, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Standalone wrist pedometer/watch?
Replies: 9
Views: 606

Re: Standalone wrist pedometer/watch?

On the subject of syncing problems, Android now requires Location Services to be enabled before you can make a Bluetooth connection to anything. I had been blaming the app makers for this, but apparently it was Google's decision. http://stackoverflow.com/questions/33045581/location-needs-to-be-enabl...
by telemark
Fri Apr 21, 2017 1:01 pm
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3366

Re: Periodic Investing and Wanting the Market to Drop

a scenario that ends with a higher stock price will always be better for the investor than a scenario that ends with a lower price Make that "almost always". On further thought I'm pretty sure I could construct scenarios that would let a flat market beat a rising one, although it would be...
by telemark
Fri Apr 21, 2017 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3366

Re: Periodic Investing and Wanting the Market to Drop

At the risk of pointing out the obvious, a scenario that ends with a higher stock price will always be better for the investor than a scenario that ends with a lower price. Making money is always going to be harder in a flat or falling market. But if you assume the same starting and ending points, t...

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