Search found 1715 matches

by telemark
Fri Dec 09, 2016 2:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 70
Views: 4674

Re: Vanguard's new "account overview" page... BOO!

Great. They give me a text size option on the pages where I don't need it, but not on the page where I do need it. Using responsive design usually requires switching to one of the newer Javascript frameworks, which generally means doing a complete rewrite from scratch, often by a different set of d...
by telemark
Fri Dec 09, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 70
Views: 4674

Re: Vanguard's new "account overview" page... BOO!

"Responsive design" is the new hotness in web development. Instead of having a web page for desktops and a web page for mobile devices and an Android app and an iOS app, you just write one web page that looks terrible everywhere.
by telemark
Thu Dec 08, 2016 3:09 pm
Forum: Investing - Help with Personal Investments
Topic: Maxing my Roth IRA
Replies: 3
Views: 418

Re: Maxing my Roth IRA

You can make contributions for 2016 up until April 18* in 2017. You designate which year to apply it against when you make the contribution.

* see http://www.efile.com/tax-day-deadlines/#april-18
by telemark
Thu Dec 08, 2016 1:22 pm
Forum: Investing - Theory, News & General
Topic: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)
Replies: 22
Views: 2105

Re: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)

The people most likely to find this strategy useful are also likely to be young and still near their peak mental capacity. In any case, giving up tax advantaged space in the name of simplicity hardly seems like a wise tradeoff.
by telemark
Thu Dec 08, 2016 12:36 pm
Forum: Personal Consumer Issues
Topic: Books (real or digital)
Replies: 40
Views: 1326

Re: Books (real or digital)

I do like paper books, but when I think about buying one now the first question is "where am I going to put it?" Especially with so many paperbacks now coming in giant doorstop editions. I miss books you could actually put in your pocket (for a large pocket).
by telemark
Thu Dec 08, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)
Replies: 22
Views: 2105

Re: Why not have an Emergency Fund in your Roth...(for those who can't max out anyways)

No need to restrict yourself to a money market fund. Many banks will happily open a Roth IRA account for you with FDIC insurance. You can roll it into a Vanguard account later, when you want an investment rather than an emergency fund.
by telemark
Mon Dec 05, 2016 3:23 pm
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 42
Views: 2556

Re: Best printers for home use

There are multiple parts to this. There's the printer itself, the printer driver, and the application software. Any one of these can potentially cause you grief. For what it's worth, my old Brother laser printer has been entirely trouble free and is good with odd sizes. You can set it up so the pape...
by telemark
Sun Dec 04, 2016 8:35 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 25
Views: 1621

Re: How do you save copies of your tax forms and supporting docs?

Old school: every year I burn a CD containing last year's tax documents and all the older ones going back to 2002. I also copy these to a couple of thumb drives, and mirror them on my two desktop computers. The documents are whatever it was convenient to keep that year. Some of them are for old soft...
by telemark
Sun Dec 04, 2016 8:58 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512940

Re: What Movie Have You Recently Watched?

I just watched the 2016 Jungle Book on Netflix. The Kipling books are beloved childrens' classics and also out of copyright, so there have been a number of movies based on them, and this is one of the better ones. Partly because of the CGI, which is so amazing that most of the time you don't even no...
by telemark
Fri Dec 02, 2016 11:20 am
Forum: Personal Consumer Issues
Topic: High End Routers vs Mesh Network?
Replies: 8
Views: 1038

Re: High End Routers vs Mesh Network?

It depends. If your condo is an apartment surrounded by other people with their own wifi networks, then a router with a strong signal, especially one configured for wide-band operation, will probably just run into more interference from other networks. If it's a townhouse or something reasonably iso...
by telemark
Wed Nov 30, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Naive question about laptop repair
Replies: 13
Views: 1028

Re: Naive question about laptop repair

That mostly depends on you, but the folks at ifixit seem to think the Dell XPS 13 is not too bad repairwise.

https://www.ifixit.com/Teardown/Dell+XPS+13+Teardown/36157
by telemark
Wed Nov 30, 2016 8:05 am
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

Oops, I meant to say dumbed-down router. For those of us who like to repurpose existing equipment, I thought it might be fun to turn a spare router into a WAP. Sure, use the device you already have. "Wireless Router" is a marketing term for a router in the same box with a WAP, often with ...
by telemark
Tue Nov 29, 2016 5:41 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

How do I tell what frequency band I am on? On my router page, I go with the default which has 802.11 mode listed as: 802.11b or 802.11g or 802.11n Mode If you don't know, 2.4GHz is probably fine. Every wifi standard can operate on it. Newer standards, starting with 802.11n, have the option of also ...
by telemark
Mon Nov 28, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: What is a "standard" Small Cap tilt portfolio
Replies: 35
Views: 2823

Re: What is a "standard" Small Cap tilt portfolio

One pattern that's pretty common is

25% large cap
25% large value
25% small cap
25% small value

That is, a 50/50 split across size and another one across value. The Ultimate Buy and Hold and the Coffeehouse portfolios both follow this, with a separate slice for REIT.
by telemark
Mon Nov 28, 2016 3:42 pm
Forum: Personal Consumer Issues
Topic: Got a Job offer, can I see 401k options beforehand?
Replies: 90
Views: 6696

Re: Got a Job offer, can I see 401k options beforehand?

goingup wrote:If the 401K is through Fidelity you can probably assume it's a good plan.

No! Mine is through Fidelity and is, um, not good.

The company decides what funds to offer. Fidelity just manages the plan. Generally, large companies seem more likely to offer good plans than small companies.
by telemark
Mon Nov 28, 2016 3:29 pm
Forum: Personal Consumer Issues
Topic: Why do reviewers love the Dell XPS 13 but users don't?
Replies: 57
Views: 4870

Re: Why do reviewers love the Dell XPS 13 but users don't?

If your travel computer gets lost or damaged you still have your main computer safely waiting at home. And if it's a cheap Chromebook, you haven't even lost a lot of money.
by telemark
Mon Nov 28, 2016 3:07 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

Wifi only. Apple hasn't made an offical announcement, but it seems likely. It's been a few years since the last software update anyway.
by telemark
Mon Nov 28, 2016 1:31 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

I did find a possible alternative -- an independent wireless access point (AP). These are usually not used in a situation like mine involving a single room, but it sounded like something I could just hook into my existing router/modem via an ethernet cable and it would give me a wi-fi radio that I ...
by telemark
Sat Nov 26, 2016 1:09 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

What I learned from my friends with the misconfigured routers is that people these days are bold enough to sit in front of your house. Legally, they have a right to do so as long as they remain on the street. One would be hard-pressed to prove that they're sitting there hacking your network. They c...
by telemark
Fri Nov 25, 2016 11:54 pm
Forum: Personal Consumer Issues
Topic: Long ethernet cable or wireless?
Replies: 81
Views: 5422

Re: Long ethernet cable or wireless?

There's some additional risk from using wifi, but it's limited to attackers who are within close physical proximity of your network. Eliminating this still leaves you exposed to other kinds of attack which can originate from anywhere on the planet. Your connection to the internet is by far the great...
by telemark
Thu Nov 24, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Computer Backup Ideas
Replies: 51
Views: 3887

Re: Computer Backup Ideas

Since you have a Unix-based system (OS X) and are asking for ideas, you might take a look at tarsnap

http://www.tarsnap.com/

I wouldn't recommend this in general because of the learning curve, but after it's set up you can forget about it, and it's arguably the safest thing around.
by telemark
Tue Nov 22, 2016 1:03 pm
Forum: Personal Consumer Issues
Topic: Fountain Pens - Do you use one?
Replies: 79
Views: 3979

Re: Fountain Pens - Do you use one?

I get it that some people just love them, but this is not only old technology, it is lousy old technology. I have an old manual typewriter sitting in my closet, but I never use it. The ribbon is probably shot by now. But if I ever need to make a stencil to run through a mimeograph machine, there it...
by telemark
Mon Nov 21, 2016 3:19 pm
Forum: Investing - Help with Personal Investments
Topic: facebook
Replies: 45
Views: 5101

Re: facebook

FB Announced a buyback on Friday, Nov 18. I wasn't going to comment on this thread, because I have no strong opinions and no particular insight to offer, but this just came to my attention and it's too good not to mention. Facebook's IPO includes the following section on "Use of Proceeds"...
by telemark
Mon Nov 21, 2016 2:40 pm
Forum: Personal Consumer Issues
Topic: When should I upgrade my wireless router? (RT-N56U)
Replies: 43
Views: 3619

Re: When should I upgrade my wireless router? (RT-N56U)

Security-wise WPA/WPA2 with AES should be sufficient for the home. What is most likely more useful is that a new router should get regular firmware updates to fix any software security flaws. Yes indeed. This one, for instance... http://arstechnica.com/security/2014/02/dear-asus-router-user-youve-b...
by telemark
Mon Nov 21, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: Has Goals-Based Investing Ruined Modern Portfolio Theory (MPT)?
Replies: 10
Views: 1442

Re: Has Goals-Based Investing Ruined Modern Portfolio Theory (MPT)?

I think trying to apply MPT as described in the article--assuming there is an optimal portfolio that can be calculated precisely for a specific set of circumstances--is a huge mistake. That doesn't mean MPT is wrong, only that people are pushing it beyond its (fairly obvious) limits.
by telemark
Wed Nov 16, 2016 5:49 pm
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1812

Re: Download quotes to excel spreadsheet

I just tried the URL you gave in a browser and it created a file named quotes containing 54.77. Maybe it no longer works with Excel? But that seems odd. The 54.77 is exactly what I want. That's the price I want to plug into my spreadsheet. That URL works perfectly. The WEBSERVICE function plops the...
by telemark
Wed Nov 16, 2016 4:58 pm
Forum: Investing - Theory, News & General
Topic: Download quotes to excel spreadsheet
Replies: 26
Views: 1812

Re: Download quotes to excel spreadsheet

I just tried the URL you gave in a browser and it created a file named quotes containing 54.77. Maybe it no longer works with Excel? But that seems odd.
by telemark
Mon Nov 14, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: No dividend with 401K Reit idx fund
Replies: 5
Views: 594

Re: No dividend with 401K Reit idx fund

The wiki entry is http://www.bogleheads.org/wiki/Collective_Investment_Trusts. In
particular see
Dividend reinvestment. A CIT does not make dividend distributions. Dividends are added and accumulate in the net asset value of a CIT share.
by telemark
Mon Nov 14, 2016 1:06 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 8166

Re: The Permanent Portfolio as an accumulation portfolio

No, I am talking about the last 5 years or more, when it has under performed most other recommended portfolios. Of course, there seem to be so many variations on it, I'm not sure you can say that about all of them. Also, the rolling averages and CAGR have slowly but steadily declined from their lof...
by telemark
Mon Nov 14, 2016 12:48 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 8166

Re: The Permanent Portfolio as an accumulation portfolio

The PP is designed to perform adequately under various market conditions. What I think we're seeing now is that the market is unable to reach a concensus on what those conditions currently are. Are we headed for inflation? Deflation? A boom? A bust? I see headlines predicting all of these. Again: (...
by telemark
Mon Nov 14, 2016 12:19 pm
Forum: Investing - Theory, News & General
Topic: The Permanent Portfolio as an accumulation portfolio
Replies: 67
Views: 8166

Re: The Permanent Portfolio as an accumulation portfolio

The PP is designed to perform adequately under various market conditions. What I think we're seeing now is that the market is unable to reach a concensus on what those conditions currently are. Are we headed for inflation? Deflation? A boom? A bust? I see headlines predicting all of these.
by telemark
Mon Nov 14, 2016 10:29 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9917

Re: Which state to move for milder weather

Yes, at least in Denver, Albuquerque, and Salt Lake City. In winter the air gets trapped in the valleys and just gets worse and worse until a storm clears everything out. Then you get a few days of beautiful clear air and the cycle starts over.
by telemark
Mon Nov 14, 2016 7:53 am
Forum: Personal Consumer Issues
Topic: Which state to move for milder weather
Replies: 104
Views: 9917

Re: Which state to move for milder weather

Someone where I saw the comment that Atlanta is actually the second highest major US city after Denver which surprised me. That would surprise a lot of people, but it could be true for a carefully tuned definition of major city (one that includes Atlanta but not Phoenix, Denver but not Albuquerque,...
by telemark
Thu Nov 10, 2016 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: WOW, What a Total Bond and bonds in general drop!
Replies: 37
Views: 6009

Re: WOW, What a Total Bond and bonds in general drop!

Markets fluctuate. Even bonds. I'm looking at the verbs I read here--crushed, plunged, and so on--and at the actual price movements I see, which are on the order of 1% or less, and wondering: does anyone still think dividend stocks are a good substitute for bonds? Because if people react like this t...
by telemark
Wed Nov 09, 2016 2:20 pm
Forum: Personal Consumer Issues
Topic: How to do secure communications to my web server?
Replies: 15
Views: 1213

Re: How to do secure communications to my web server?

Telnet on a public network was a bad idea in the 1990s and is totally unacceptable today. SSH is the gold standard for secure remote access. For extra safety you can register a public key on the remote end and sign in with the corresponding private key: that way a password never needs to be transmit...
by telemark
Tue Nov 08, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Ad Blockers Not Blocking
Replies: 24
Views: 1631

Re: Ad Blockers Not Blocking

It seems yahoo has found a way around adblock blocking all of its ads. I now see several ads along the right hand side when I check out the news on yahoo. It still captures most of them though. Maybe adblock will release an update to kill those off. Im sure its a constant battle between websites wa...
by telemark
Mon Nov 07, 2016 2:45 pm
Forum: Personal Consumer Issues
Topic: Streaming (TV) Guide
Replies: 6
Views: 696

Re: Streaming (TV) Guide

http://canistream.it

Although sometimes, when a search there turns up nothing, I've been able to find what I wanted for rent on Amazon streaming.
by telemark
Mon Nov 07, 2016 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: Sister scammed online, several $K - not sure what to advise
Replies: 68
Views: 5640

Re: Sister scammed online, several $K - not sure what to advise

Not silly at all. This is not someone in Nigeria, it's a local man whom the sister has met and who signed a promissory note that now has gone missing. There are a number of ways he might have accomplished that, including simply switching envelopes at the time of the signing, but some of them would i...
by telemark
Sun Nov 06, 2016 6:13 pm
Forum: Personal Consumer Issues
Topic: How to monitor a website for specific changes and get email alerts when changed?
Replies: 11
Views: 1057

Re: How to monitor a website for specific changes and get alerts?

I've been experimenting a little bit more with this and I discovered something interesting. With the newest Anniversary Update, Windows 10 now offers a full Ubuntu Linux based shell that can run Linux software directly on Windows. Check out this page for the info: http://www.howtogeek.com/249966/ho...
by telemark
Sun Nov 06, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: How to monitor a website for specific changes and get email alerts when changed?
Replies: 11
Views: 1057

Re: How to monitor a website for specific changes and get alerts?

I know a little bit about bash shell scripting, but I never knew you could use "logical and" ("&&") in a shell script. How does that work? I am guessing that after curl is run, that first the curl output is sent to grep. Does grep return some "true/false" value...
by telemark
Fri Nov 04, 2016 2:01 pm
Forum: Personal Consumer Issues
Topic: How to monitor a website for specific changes and get email alerts when changed?
Replies: 11
Views: 1057

Re: How to monitor a website for specific changes and get alerts?

If you want to cobble something together, you can use curl or wget to pull the web page, then search the results for the phrase you want and make a decision. Or in Java, import java.net.URL; ... String url = "http://www.fandango.com/uakingofprussiastadium16imax26rpx_aaoqp/theaterpage?date=12%2f...
by telemark
Fri Nov 04, 2016 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Why do people use banks?
Replies: 66
Views: 5488

Re: Why do people use banks?

Many years ago I opened an account with a small community bank. Then another bank bought them, and another bank bought that bank, and another bank bought that bank, and so on until eventually I ended up with U.S. Bank, where I've stayed mostly out of inertia. Except for the bulk of my savings, which...
by telemark
Wed Nov 02, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: e-mail agent
Replies: 19
Views: 1232

Re: e-mail agent

According to Wikipedia you can download Windows Live Mail as part of Windows Essentials. But it's scheduled to reach end of support in January 2017, although it will probably continue to work after that. Personally I use Thunderbird, but my email needs are pretty simple.
by telemark
Wed Nov 02, 2016 1:25 pm
Forum: Investing - Help with Personal Investments
Topic: I - Bonds - converting
Replies: 13
Views: 1150

Re: I - Bonds - converting

Last January I sold an old bond with a 0% fixed rate and bought a new one at the current 0.2% fixed rate. It had been earning a composite rate of 0% for the last three months so there was effectively no penalty. I have some other bonds with a 0% fixed rate so I may do this again if there's an opport...
by telemark
Tue Nov 01, 2016 1:45 pm
Forum: Investing - Theory, News & General
Topic: Your thoughts on implications of increasing automation of manufacturing.
Replies: 23
Views: 1705

Re: Your thoughts on implications of increasing automation of manufacturing.

As a consumer, I am looking forward to higher quality and less expensive items. Human labor adds much more variability and uncertainty into the manufacturing process, so as humans continue to be eliminated we will get better products overall. Have you purchased any kitchen appliances in the last 20...
by telemark
Tue Nov 01, 2016 11:04 am
Forum: Personal Consumer Issues
Topic: New Zero-Day Windows computer vulnerability?
Replies: 5
Views: 659

Re: New Zero-Day Windows computer vulnerability?

We recommend customers use Windows 10 and the Microsoft Edge browser for the best protection. That doesn't quite translate into saying that Edge is not subject to this vulnerability, especially since the problem is in the kernel, not in a particular browser. Until Microsoft releases a patch I would...
by telemark
Sun Oct 30, 2016 8:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2089
Views: 512940

Re: What Movie Have You Recently Watched?

Miss Peregrine's Home For Peculiar Children, based on a book I have not read. I don't think I can possibly describe the story, but if you liked Coraline you will probably like this too. There were some very young children in the audience and I have some doubts about that; it gets pretty intense in s...
by telemark
Fri Oct 28, 2016 10:46 am
Forum: Personal Consumer Issues
Topic: filtering out smoke
Replies: 29
Views: 2390

Re: filtering out smoke

It's likely that the source, whatever it may be, is just overwhelming your purifier. To put it another way, purifiers are intended to remove pollutants from a sealed room, and I think the numbers the manufacturers claim are based on that idea. None of that is much good if the room is constantly bei...
by telemark
Fri Oct 28, 2016 10:20 am
Forum: Personal Consumer Issues
Topic: filtering out smoke
Replies: 29
Views: 2390

Re: filtering out smoke

I agree with just frank's analysis. The problem is that it's a lot easier to produce VOCs than it is to remove them. It's likely that the source, whatever it may be, is just overwhelming your purifier. I have an Austin Air unit, although not the one you mention, and an IQAir Multigas, and in my expe...
by telemark
Thu Oct 27, 2016 1:20 pm
Forum: Personal Consumer Issues
Topic: Mr. Money Mustache donates $100k to charity, writes about effective altruism
Replies: 100
Views: 10034

Re: Mr. Money Mustache donates $100k to charity, writes about effective altruism

In an odd way I think of charitable giving as an investment, since making the world a better place also gives me a better world to live in. I don't know if I can defend that quantitatively. In an even odder way I also think of it as part of my emergency fund, since it represents spending that I coul...

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