Search found 1836 matches

by telemark
Fri Mar 24, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 287
Views: 35676

Re: What is your favorite consumer product?

Shark wheels with Zealous built-in bearings. Fast, smooth, quiet, trouble free... pick any four :D
by telemark
Tue Mar 21, 2017 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: How do you allocate your contributions?
Replies: 6
Views: 396

Re: How do you allocate your contributions?

Yet another approach is to put all the new money into the asset class that is farthest over its target, rebalancing only when a band is exceeded. This is a more extreme version of the momentum strategy mentioned above, and I don't know if anyone actually does it. Whatever you do, there are two thing...
by telemark
Tue Mar 21, 2017 5:20 pm
Forum: Personal Consumer Issues
Topic: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?
Replies: 25
Views: 1178

Re: Rechargeable AA & AAA Batteries:NiMH or Li-Ion?

I'm curious what household items go through batteries so fast for you all that they warrant using rechargeable batteries? We have some tv remotes. My wife has a couple pen flashlights for work. Regular old alkalines last for YEARS in these items. We buy batteries so infrequently that buying recharg...
by telemark
Mon Mar 20, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: Recommended emergency fund for middle class households: $13,800
Replies: 64
Views: 6378

Re: Recommended emergency fund for middle class households: $13,800

I have one year's salary, before taxes, divided between series I bonds and a savings account. Too much by rational calculation, but I am not a rational being and it brings me peace of mind. My biggest unexpected expense, so far, has been $90,000 for surgery. Fortunately my insurance covered most of ...
by telemark
Tue Mar 14, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: Shiller says market is "way overpriced" - what a shocker
Replies: 34
Views: 4176

Re: Shiller says market is "way overpriced" - what a shocker

Wake me when he gets to "way much awesomely overpriced".
by telemark
Tue Mar 14, 2017 12:55 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 230
Views: 24208

Re: Good Modern Science Fiction

I've just been reading a collection of new stories set on Old Mars, and most of them are okay (and the Waldrop is a lot better than okay), but none of them are a patch on A Rose For Ecclesiastes. I'm guessing that's the anthology edited by Martin and Dozois. That's the one. Not bad but not as good ...
by telemark
Mon Mar 13, 2017 2:24 pm
Forum: Investing - Help with Personal Investments
Topic: How big of an ETF buy will significantly move an ETF price?
Replies: 9
Views: 559

Re: How big of an ETF buy will significantly move an ETF price?

IJR tracks the S&P 600 small cap index, so the question reduces to what it would take to move the index: far more than $100K, almost certainly.
by telemark
Sun Mar 12, 2017 7:54 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5238

Re: WSJ Digital Subscription - a bargain!

I am very happy since the regular subscription is so much more expensive. How can it be? It's a bit like airline ticket prices: flying the plane is a fixed cost, so they want to fill up all the seats while getting the highest price each passenger is willing to pay. Putting the paper out every day a...
by telemark
Sat Mar 11, 2017 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: checking account debit at the speed of light
Replies: 14
Views: 1516

Re: checking account debit at the speed of light

dbr wrote:When I transfer money between accounts at the same bank the process happens pretty much as fast as I can type the entries.

Sure. That just updates ledger entries on the same computer at the same bank. Moving money between different institutions is more complicated.
by telemark
Sat Mar 11, 2017 10:43 am
Forum: Personal Consumer Issues
Topic: Bluetooth speaker recommendations
Replies: 12
Views: 759

Re: Bluetooth speaker recommendations

I've thought about solar powered too. If I hang it from my porch, it wouldn't be in the sun, but I could change the placement. I wonder how much sun they need to get to charge. You would get better sound with the speaker in an enclosed space so the sound can reflect; in a corner or near a wall. Exa...
by telemark
Sat Mar 11, 2017 9:52 am
Forum: Personal Consumer Issues
Topic: Bluetooth speaker recommendations
Replies: 12
Views: 759

Re: Bluetooth speaker recommendations

Out of curiosity, I did a web search on solar powered bluetooth speakers, and what do you know? Not only do they exist, there are a lot to choose from. I don't have personal experience with any of them, but that might solve the battery life problem.
by telemark
Fri Mar 10, 2017 1:10 pm
Forum: Personal Consumer Issues
Topic: New wheels and tires - strategy recommendation
Replies: 16
Views: 1112

Re: New wheels and tires - strategy recommendation

It really depends on a lot of things including your driving style, but I would buy new tires and then rotate them often enough to even out the wear. I'm surprised that it's the rear wheels showing wear, in my experience it's always been the front wheels. Any idea what's going on there? Personally, I...
by telemark
Tue Mar 07, 2017 12:55 am
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 1662

Re: Each movement a separate track = problem? Re: Sonos Wireless sound?

Now as for the controller... EDIT: We *might* have figured out the below problem. Please don't spend time on it (yet......). Thanks. I'm trying to use the Windows version, and we're having trouble getting the 4 movements of one symphony to play in sequence. Saving "tracks&q...
by telemark
Mon Mar 06, 2017 9:58 pm
Forum: Investing - Theory, News & General
Topic: Did you buy SNAP?
Replies: 85
Views: 6301

Re: Did you buy SNAP?

I'm waiting for KRAKL, which is a sure bet to pop.
by telemark
Mon Mar 06, 2017 2:49 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 230
Views: 24208

Re: Good Modern Science Fiction

In a completely different sub-genre, Roger Zelazny. He's most famous for the Amber series, which ultimately went on WAY too long (I gave up on it after the first 4 or 5 books, which were great), but check out "This Immortal" or "Lord of Light" for a very different take on what &...
by telemark
Sun Mar 05, 2017 6:26 pm
Forum: Personal Consumer Issues
Topic: Sonos Wireless sound?
Replies: 19
Views: 1662

Re: Sonos Wireless sound?

Check out Classical Archives. Most streaming services do a terrible job of indexing classical music, what with every piece having a composer, multiple performers who are generally not the composer, multiple movements meant to be heard in a particular order, albums with music by more than one artist,...
by telemark
Sun Mar 05, 2017 5:36 pm
Forum: Personal Consumer Issues
Topic: Camry Redesign
Replies: 61
Views: 5818

Re: Camry Redesign

If you're looking at mid-size hybrids, Chevy is claiming 49mpg city for the Malibu hybrid.
by telemark
Fri Mar 03, 2017 4:02 pm
Forum: Investing - Theory, News & General
Topic: BND flat today despite interest rate announcement
Replies: 22
Views: 2976

Re: BND flat today despite interest rate announcement

Suppose we have a fund with a NAV of $1.00. News becomes available of a possible event that will lower its price by 10%. For the sake of argument, assume the event is something simple like a coin flip so we can estimate its probability as very close to 50%. How much should an efficient market pay fo...
by telemark
Fri Mar 03, 2017 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is Certified Pre-owned Car worth it?
Replies: 16
Views: 1966

Re: Is Certified Pre-owned Car worth it?

Generally the manufacturer will guarantee the power train for five or seven years, plus various other components. I used to buy certified preowned VWs, and as often as not the repair was either covered by the manufacturer or not covered at all. More recently I've driven Mazdas that were not CPO, and...
by telemark
Thu Mar 02, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 6248

Re: Desktop Computer - Still relevant? Good investment?

my 6 year old Gateway desktop is slowing down. I use it primarily for accessing financial websites and doing some really light Excel stuff that I don't want stored on a cloud. I have run malwarebytes, CC cleaner, and all the Windows 7 security stuff and it is still slow. Is there anything else I ca...
by telemark
Thu Mar 02, 2017 5:03 pm
Forum: Personal Consumer Issues
Topic: Favorite survival books?
Replies: 41
Views: 3078

Re: Favorite survival books?

Wilderness by Roger Zelazny and Gerald Hausman. Based on two historical incidents from early 19th century America. One of them was recently made into a movie, but I like Zelazny's version better. Men Against the Sea by Nordhoff and Hall. The middle book of their Bounty trilogy, covering Bligh's 4000...
by telemark
Thu Mar 02, 2017 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why would I buy Bonds now?
Replies: 18
Views: 3600

Re: Why would I buy Bonds now?

Whether we are in a rising interest rate environment can only be determined in hindsight. The past seven years show that rates very often refuse to rise or even drop in what the experts are describing as a rising rate environment. This time may be different, or again, it may not. With that said, at ...
by telemark
Wed Mar 01, 2017 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: just found out about new MMA rules
Replies: 19
Views: 1616

Re: just found out about new MMA rules

Do any of your tax advantaged accounts have a stable value fund?
by telemark
Wed Mar 01, 2017 12:45 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3349
Views: 854073

Re: U.S. stocks in freefall

Bonds are the falling Nerf ball.
by telemark
Tue Feb 28, 2017 4:59 pm
Forum: Investing - Theory, News & General
Topic: Why mutual funds could be on their way to another lousy year
Replies: 7
Views: 1449

Re: Why mutual funds could be on their way to another lousy year

Since I'm being pedantic this afternoon, index funds are also mutual funds. Perhaps CNBC doesn't know that?

Presumably they mean actively managed funds.
by telemark
Tue Feb 28, 2017 4:28 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 89
Views: 6819

Re: Compounding under the microscope.

I believe the rabbits reproducing are better described by Fibonacci numbers :wink:
by telemark
Tue Feb 28, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Mom & Pop investors piling in. Bad Sign/Good sign?
Replies: 36
Views: 6633

Re: Mom & Pop investors piling in. Bad Sign/Good sign?

... if the year-to-date pace is sustained.

That's a pretty big if, though. Is there a group of particularly sleepy small investors who will wake up nine months from now, notice that we have a new president, and decide to get into the market?
by telemark
Tue Feb 28, 2017 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ugh, why is buying a new car so painful?
Replies: 64
Views: 7130

Re: Ugh, why is buying a new car so painful?

Pacifica hybrid Made me look... oh, very nice. Sort of a bigger Volt. But... It's new, it's in short supply, the people who want it probably want it a lot, as in "the car of my dreams is finally here" to quote one article I found. And there's some chance that Chrysler is selling these at ...
by telemark
Mon Feb 27, 2017 2:40 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 2531

Re: Backpackers- weight vs utility question

I'm amazed at all the comments referring to umbrellas. After reading Ray Jardine's book I tried umbrellas for a while, for both rain and sun protection, and eventually gave up on them. Too fragile, too awkward if there's any wind, it turns out dogs really hate the sight of them, just more trouble t...
by telemark
Sun Feb 26, 2017 1:15 pm
Forum: Investing - Theory, News & General
Topic: Compounding under the microscope.
Replies: 89
Views: 6819

Re: Compounding under the microscope.

Compare a fifteen year mortgage with a thirty year one and you'll really see the effects of compounding. Although there isn't usually a lot of sales talk about "magic" in that case.
by telemark
Sat Feb 25, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 2531

Re: Backpackers- weight vs utility question

Take a look at Xero shoes https://xeroshoes.com/ . I have a pair of the do-it-yourself sandals and a pair of the closed-toe mens' shoes for winter weather. Would you mind sharing your review of these? I hike in Chacos sometimes and Keen sandals sometimes. The Xero closed toe shoes look nice. How ar...
by telemark
Sat Feb 25, 2017 4:02 pm
Forum: Personal Consumer Issues
Topic: Backpackers- weight vs utility question
Replies: 42
Views: 2531

Re: Backpackers- weight vs utility question

Take a look at Xero shoes https://xeroshoes.com/. I have a pair of the do-it-yourself sandals and a pair of the closed-toe mens' shoes for winter weather.
by telemark
Fri Feb 24, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 49
Views: 9005

Re: How to Rebalance with Rate Hikes Looming

If I thought about it, I'd say something like "If it feels wrong that's probably a good sign. The point of having a plan is to make you do things when they feel wrong." But I try not to think about it, because rebalancing isn't something you want to overthink. I rebalanced into bonds in Ja...
by telemark
Wed Feb 22, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 307
Views: 20091

Re: Extreme Valuations, and why you should reconsider

If you think returns will be lower going forward, would that not be a reason to increase your equity allocation? Reducing it will only lower your returns even more.
by telemark
Tue Feb 21, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 76
Views: 6248

Re: Desktop Computer - Still relevant? Good investment?

I wouldn't describe any computer as an investment, but I did buy the best external monitor I could find and pair it with a keyboard that suits my typing style. I share them between two desktop computers, an old Mac Mini and a Mintbox running Linux Mint.
by telemark
Tue Feb 21, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett v. Bogleheads
Replies: 40
Views: 4474

Re: Warren Buffet v. Bogleheads

It is a variation of Buffett, in the sense that Buffett isn't interested in owning the market. Just certain companies, which are ones run by conservative management, and which have a strong company competitive position in a good business sector. When there are market declines, the prices of these c...
by telemark
Sat Feb 18, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Chromebook with the feel of a MacBook? Personal Finance Software?
Replies: 4
Views: 903

Re: Chromebook with the feel of a MacBook? Personal Finance Software?

The Chromebook Pixel reportedly has an amazing display, but is priced at a point where most people would just buy a MacBook instead. Google has announced plans to let Android apps run on Chrome, so that may alleviate some of the software limitations. You might look at http://www.knowyourmobile.com/d...
by telemark
Wed Feb 15, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1845

Re: Mailed Speeding Ticket via Auto System - Not Driver

These have been fought successfully, but you would really have to want to win. I'm pretty sure a simple affidavit isn't going to do the job. See

https://arstechnica.com/tech-policy/2017/01/op-ed-how-i-turned-a-traffic-ticket-into-the-constitutional-trial-of-the-century/
by telemark
Tue Feb 14, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 903

Re: Converting a new Roth to a Traditional IRA

You have to have funds for the first five years somewhere , but it doesn't all have to be in taxable. Any Roth contributions or conversions you make before early retirement can also help fill the gap. If you've put $5000 a year into a Roth IRA for 25 years you have $125k that can be withdrawn immed...
by telemark
Mon Feb 13, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 903

Re: Converting a new Roth to a Traditional IRA

At what age are you planning to retire? Unless I've misread the MadFientist article, the Roth IRA conversion ladder is really only useful if you plan to retire at 53 1/2 or younger. Due to the five year waiting period, even retiring at 53 1/2 only gives you one year of early access before you would ...
by telemark
Mon Feb 13, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Does Passive Style of Index Fund create artificial demand?
Replies: 21
Views: 1358

Re: Does Passive Style of Index Fund create artificial demand?

We already have a mechanism for encouraging great companies to succeed and mediocre ones to fail: it's called the free market. If you like a company and want it to succeed, try buying their products. Buying their stock is unlikely to help and could easily be a bad investment. How could it be a bad i...
by telemark
Fri Feb 10, 2017 3:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 290
Views: 13207

Re: Your USER NAME...what does it mean?

I intended a reference to ballroom dancing, a hobby of mine, not realizing that when you Google it you find page after page of results about skiing. My avatar is The Winslow, of whom it is said "it is capable of speech but one may as well not listen."
by telemark
Wed Feb 08, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Rand Paul predicts bubble / boom in stock market
Replies: 16
Views: 1599

Re: Rand Paul predicts bubble / boom in stock market

Five years ago he was predicting hyperinflation. Weimar was just around the corner. How did that turn out?
by telemark
Wed Feb 08, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2906

Re: Car wash best practices in cold climates?

I grew up in a climate where only snobs washed their cars. Then I moved to a location with real winters and my car promptly rusted out. Now I use a two-stage process: as soon as the streets are reasonably dry I hose off the undercarriage and the worst of the grime at a self-service wash, so the salt...
by telemark
Wed Feb 08, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 51
Views: 5313

Re: Rule of Thumb for Getting Rid of Car

If the transmission problem shows up early and you haven't seen it at 87,000 miles, you're probably safe. But if you want to keep a car a long time it's best to deal with problems, even little ones, as soon as they show up. That way you don't look at it one day, notice what it's turned into, and sud...
by telemark
Tue Feb 07, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2746

Re: College kids driving cars (to live off campus)

When I was an undergraduate I lived five miles from campus. Riding a bicycle to class took about 30 minutes, because I could ride right up to the building where I needed to be. Driving to the campus, finding a parking space, and walking to class took about 30 minutes. How far, exactly, is this long ...
by telemark
Mon Feb 06, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5493

Re: Index Investors getting a free ride

Wow this is a very important figure. Glad I am in index funds for all those years. So the next question is what happens if majority of investors start to prefer index over active. Then it will raise all boats and even the junk stocks will go up. Isn't this irrational? What is the solution here? Tha...
by telemark
Sun Feb 05, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5493

Re: Index Investors getting a free ride

The argument used to be "index funds will never catch on, they don't beat the market." Now it's "Ok, index funds work, but they must be cheating somehow." Makes me wonder what the next argument will be. But what these people miss is that even if they somehow succeeded in getting ...
by telemark
Thu Feb 02, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Technical issues with WIFI internet and websites
Replies: 18
Views: 1123

Re: Technical issues with WIFI internet and websites

Run a speed test, preferably from different locations and using different devices. I like http://www.dslreports.com/speedtest Also get a wifi analyser for a phone or tablet, there are lots to choose from, and walk around with it. You may be getting interference from other wifi networks, or the signa...

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