Search found 1524 matches

by telemark
Tue May 24, 2016 11:37 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1623
Views: 337644

Re: What Movie Have You Recently Watched?

World Without End, a tv series based on the book by Ken Follet. I haven't read the book and don't know much about 14th century England, but the sets are impressive, the acting is good, and the story is entertaining. The villains are all suitably villanous, so much so that they even comment on it to ...
by telemark
Mon May 23, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: Total market/passive investing as a self-destructive paradigm
Replies: 10
Views: 1497

Re: Total market/passive investing as a self-destructive paradigm

As long as we're discussing hypotheticals, let me throw out another one: in a perfectly efficient market, it wouldn't matter which stocks you pick, because everything would be priced to produce the same expected return. I think this is not true and I have some definite ideas why not, but I'm interes...
by telemark
Mon May 23, 2016 1:50 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4153

Re: Amazon has no head to head competitors?

No one works harder than Amazon to make the act of buying as effortless as humanly and cybernetically possible. This is the company that took out a patent on one-click ordering, and it's only a matter of time before Alexa accepts orders, if it doesn't already. So in that respect Amazon has no compet...
by telemark
Sun May 22, 2016 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays savings account 1% APR
Replies: 10
Views: 1162

Re: Barclays savings account 1% APR

I haven't used Barclays, but I've used other online savings accounts with no troubles. I recommend choosing a strong, unique password--we have lots of threads on password safety.
by telemark
Sat May 21, 2016 5:02 pm
Forum: Personal Consumer Issues
Topic: surface street or freeway commute?
Replies: 32
Views: 1490

Re: surface street or freeway commute?

Reverse freeway doesn't necessarily mean relaxing. I've been doing a 15-mile reverse commute since 2007 and in that time I've been gently bumped from behind once, nearly rear-ended several times, run over a ladder once, been narrowly missed more times than I can count, and generally developed a morb...
by telemark
Tue May 17, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2087

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

DSInvestor wrote: I copied my music library to a USB drive and plugged that into my router where my sonos can access it. 7W idle is pretty good though.

That's a better choice, if you have a router that supports it.
by telemark
Mon May 16, 2016 3:41 pm
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 2087

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

My desktop also serves music to my Sonos system, so I leave it on all the time. But it's a fanless mini PC that uses 7 watts when idle.

If I had a PC with a noisy fan I'd keep it off as much as I could.
by telemark
Mon May 16, 2016 3:27 pm
Forum: Personal Consumer Issues
Topic: Is it OK to leave home wifi on?
Replies: 55
Views: 3592

Re: Is it OK to leave home wifi on?

I leave mine on 24x7 when I am home. But if I am going to be away from home for more than one day, I shut down the modem/router all together. My neighbor used to leave his modem/router on all the time, but he started shutting down the modem/router every night after two of his routers broke. So, it ...
by telemark
Sat May 14, 2016 1:25 am
Forum: Personal Finance (Not Investing)
Topic: treasurydirect.gov is not a secure website?
Replies: 15
Views: 1749

Re: treasurydirect.gov is not a secure website?

I see the same result as quandAndHold, connecting with Firefox. Try typing the full url into your browser

https://www.treasurydirect.gov

using https to force an encrypted connection. You might also try opening a private window in Firefox to see if that makes any difference.
by telemark
Fri May 13, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you stand on the age old debates?
Replies: 19
Views: 1922

Re: Where do you stand on the age old debates?

And you didn't even mention rebalancing :D I think the answer you choose matters less than how you arrive at it. These debates continue precisely because there is no provably right answer for every situation and because in most cases it's unlikely to make much difference either way. Ideally, all inv...
by telemark
Fri May 13, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: "Can Anything Stop Vanguard?"
Replies: 50
Views: 7234

Re: "CAN ANYTHING STOP VANGUARD?"

Just to take the other side, Vanguard's customer service, technology platforms and representative knowledge is frequently the cause for client discontent as noted is several threads. If it isn't improved or if others continue to improve they will face challenges. I keep about 30% of our assets at V...
by telemark
Wed May 11, 2016 10:36 am
Forum: Investing - Theory, News & General
Topic: A couple of Coffeehouse Portfolio Questions
Replies: 20
Views: 3176

Re: A couple of Coffeehouse Portfolio Questions

I talked with a money manager today and he suggested that a few actively managed bond funds will do better than a bond index fund in a rising interest rate environment. Any comments? People have been claiming that we're in a rising-rate environment for at least five years now, and interest rates ar...
by telemark
Tue May 10, 2016 8:31 am
Forum: Investing - Theory, News & General
Topic: Don't stay the course
Replies: 118
Views: 16367

Re: Don't stay the course

I've said this before , but there can be good reasons to change your portfolio, especially if the new allocation has any of a lower expense ratio, better diversification, less complexity, or a better fit for your personal risk tolerance. If your 401k forces the use of managed funds, you may find on ...
by telemark
Sun May 08, 2016 7:56 pm
Forum: Personal Consumer Issues
Topic: Considering buying my own modem
Replies: 43
Views: 2854

Re: Considering buying my own modem

A suggestion: Modems and routers (at least for me) tend to be sensitive to power spikes or outages. I think the best solution would be to purchase the modem along with a UPS (Uninterrupted Power Supply, which you can find good models from APC or CyberPower for $40-$70). Plug both the modem and rout...
by telemark
Fri May 06, 2016 12:14 pm
Forum: Investing - Theory, News & General
Topic: Backtesting David Swensen Lazy Porfolio against Three Fund
Replies: 57
Views: 8382

Re: Backtesting David Swensen Lazy Porfolio against Three Fund

The idea behind the Swensen portfolio appeals to me, at least as I understand it: divide your portfolio into distinct asset classes with high natural rates of return and relatively low correlations. I'm following the original version in my Roth IRA, long Treasuries and all, as a sort of test, both o...
by telemark
Fri May 06, 2016 12:00 pm
Forum: Investing - Theory, News & General
Topic: "When the Rich Jump Ship"
Replies: 6
Views: 2116

Re: "When the Rich Jump Ship"

The article completely ignores what I consider the interesting question: was it a good move for them? How do their returns compare with simply staying the course? Getting out in 2008 doesn't look like a particularly smart move, especially if you stayed out for any length of time. Getting out in 2007...
by telemark
Tue May 03, 2016 9:06 pm
Forum: Personal Consumer Issues
Topic: Sci-Fi ... your favorite movies and episodes??
Replies: 145
Views: 11950

Re: Sci-Fi ... your favorite movies and episodes??

Easy question. Young Frankenstein is probably my favorite movie ever, any genre, and it also happens to be SF.

Second choice would be The Princess Bride, but I'm not sure it qualifies, even though it has a machine that sucks the life out of people.
by telemark
Sun May 01, 2016 8:35 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15562

Re: Stanley Kubrick's 2001 a space odyssey

Grogs wrote:In 1968 that worked because the special effects were amazing, but now a high school kid can probably duplicate them on his iPhone in 15 minutes.

Or you can watch the real thing at

http://www.ustream.tv/channel/live-iss-stream
by telemark
Sat Apr 30, 2016 11:44 pm
Forum: Personal Consumer Issues
Topic: Screens & Content
Replies: 2
Views: 356

Re: Screens & Content

Image
Note the date on the link.

http://dilbert.com/strip/1994-10-12
by telemark
Fri Apr 29, 2016 11:23 pm
Forum: Investing - Theory, News & General
Topic: “Markets Have ‘Borrowed’ Returns from the Future”
Replies: 17
Views: 2664

Re: “Markets Have ‘Borrowed’ Returns from the Future”

I'll agree that as a method of stimulating investment and the economy, QE is bringing a very blunt instrument to a fairly delicate operation. Unfortunately it's the only one available to the central banks and they're the only ones willing and able to take any action. Congress has many more options a...
by telemark
Wed Apr 27, 2016 12:36 am
Forum: Investing - Theory, News & General
Topic: "For bondholders, rising interest rates can have an upside"
Replies: 25
Views: 3032

Re: "For bondholders, rising interest rates can have an upside"

Thanks for the article Taylor! It's nice to have an easy to read Vanguard reference for such questions. I would also add this argument: the bad scenario when keeping bonds at longer duration, rising interest rates, comes with the silver lining shown in the article. By contrast, the bad scenario whe...
by telemark
Tue Apr 26, 2016 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rebalancing: Feedback please
Replies: 8
Views: 605

Re: 401K Rebalancing: Feedback please

Fixed interest at over 3%? I'd grab it, assuming it's legitimate. Sounds too good to be true.
by telemark
Tue Apr 26, 2016 4:30 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15562

Re: Stanley Kubrick's 2001 a space odyssey

The main innovation that I don't remember (not even in William Gibson's Neuromance of 1984) is the mobile phone. The original Star Trek had communicators. But we've already gone past them by now. In the 23rd century, they're still using those crummy flip phones? :shock: There's a Heinlein juvenile,...
by telemark
Mon Apr 25, 2016 2:27 pm
Forum: Personal Consumer Issues
Topic: Pros/Cons of Condo Living?
Replies: 43
Views: 4247

Re: Pros/Cons of Condo Living?

Be aware that the market is very volatile. There's a regular boom/bust cycle of overbuilding followed by a crash followed by more overbuilding... This is true for all real estate but seems to be more pronounced for apartments/condos.
by telemark
Sat Apr 23, 2016 7:44 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15562

Re: Stanley Kubrick's 2001 a space odyssey

This thread reminds me of Mystery Science Theatre 3000, where a movie viewer and two robots would watch bad science fiction movies and make snarky remarks. The smart aleck comments were really funny. Sort of luck the two old fogies who would heckle the muppets from their balcony seat. I am breaking...
by telemark
Sat Apr 23, 2016 5:24 pm
Forum: Personal Consumer Issues
Topic: Stanley Kubrick's 2001 a space odyssey
Replies: 154
Views: 15562

Re: Stanley Kubrick's 2001 a space odyssey

I just watched this on Netflix, for the first time since its original release. It clocks in at about 160 minutes, but I agree with Mad Magazine that it feels like 200 or more. As to why the astronauts talk in platitudes, consider: you are at the top of a large pyramid of perfectly qualified candidat...
by telemark
Wed Apr 20, 2016 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Exchange RERFX to VTIAX or something else in 401k
Replies: 11
Views: 587

Re: Exchange RERFX to VTIAX or something else in 401k

Its for the first time now that its breaking even and if I were to exchange it in my 401k I would not lose money (perhaps I am looking at this too simplistically). It depends on the fund you are exchanging into. If that also down, you aren't necessarily losing money even if the current price is bel...
by telemark
Wed Apr 20, 2016 11:22 am
Forum: Personal Consumer Issues
Topic: "Network Saturation" with Optimum Router [overloaded FIOS wifi?]
Replies: 16
Views: 1267

Re: "Network Saturation" with Optimum Router [overloaded FIOS wifi?]

I live in an apartment with a lot of competing wifi networks (and always getting more). My connection is 40MB with Centurylink. What has worked for me was turning off the wireless access on the CenturyLink router and adding an Apple Airport Express configured as a wireless access point (WAP). THat g...
by telemark
Mon Apr 18, 2016 11:54 am
Forum: Personal Finance (Not Investing)
Topic: How Did You File Your Income Taxes for 2015?
Replies: 101
Views: 4781

Re: How Did You File Your Income Taxes for 2015?

TaxAct online. I notice that the more expensive versions of TaxAct can import tax information from a CSV (Excel) file, but I couldn't find any way to download it from Vanguard in that format, so I entered it by copy-pasting from the PDFs. A tedious and error-prone process.
by telemark
Sun Apr 17, 2016 7:48 pm
Forum: Personal Consumer Issues
Topic: Whole house electric surge protector
Replies: 11
Views: 1251

Re: Whole house electric surge protector

I don't have one, but it's an interesting idea. Is this something you could install in an apartment unit? How well do they work with things like microwave ovens or laser printers? Or, for that matter, with powerline adapters?
by telemark
Sun Apr 17, 2016 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: HELP! HR Doesn't Believe in Index Funds for 401k
Replies: 64
Views: 5694

Re: HELP! HR Doesn't Believe in Index Funds for 401k

I got a response similar to this a few years ago at my current employer, after we had converted from a much worse plan. I was uncertain about my own status at the time and chose not to push it. But if I were going to pursue this, I would find out who the committee members are and talk to them indivi...
by telemark
Fri Apr 15, 2016 2:00 pm
Forum: Investing - Theory, News & General
Topic: Investing legends change their bond portfolio
Replies: 29
Views: 4469

Re: Investing legends change their bond portfolio

We all make risk trade-offs all the time: I'll take more of risk A because I must have less of risk B. Yes, exactly. Also note that the usual calculation for the Sharpe ratio is based in the standard deviation, a simplistic, one-dimensional measurement that in no way reflects these kinds of trade-o...
by telemark
Thu Apr 14, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: REITs being given sub-sector in S&P
Replies: 2
Views: 564

Re: REITs being given sub-sector in S&P

That's the S&P Dow Jones index, not the S&P 500 index that VFINX and many other funds track.
by telemark
Thu Apr 14, 2016 2:40 am
Forum: Investing - Theory, News & General
Topic: Investing legends change their bond portfolio
Replies: 29
Views: 4469

Re: Investing legends change their bond portfolio

Maximizing your risk-adjusted returns is not an appropriate goal for most investors. You want to maximize your return for the level of risk you are willing to take. Don't let the Sharpe ratio drive the overall risk of your portfolio.
by telemark
Wed Apr 13, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5571

Re: Total Bond Achilles Heel?

Thanks, that makes sense. I'm a little slow sometimes.
by telemark
Wed Apr 13, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5571

Re: Total Bond Achilles Heel?

Again, as I said for investment grade bonds and an index as broad as BarCap Agg, these weighting issues are negligible at least on the individual security selection level (if not between say relative weightings of corporate bonds and MBS in the index, or something like that, taking other assets int...
by telemark
Wed Apr 13, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5571

Re: Total Bond Achilles Heel?

Thanks for the link. It still fails to make a case that index funds are to blame: index funds, by definition, are neither more nor less careful than the rest of the market. She seems to suggest that the active bond buyers said "no, no, too bubbly" and then the indexers came along and bough...
by telemark
Wed Apr 13, 2016 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Credit card cancelled
Replies: 71
Views: 5005

Re: Credit card cancelled

That happened to me once--only credit card cancelled because I never used it. I shrugged and got on with my life, still never using it, until many years when I tried to open an online savings account and was rejected--because, well, if you search on it here Ally seems to offer a different explanatio...
by telemark
Wed Apr 13, 2016 11:35 am
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5571

Re: Total Bond Achilles Heel?

I have increasingly wondered if index investing for bonds is fundamentally different from stocks. In a sense it is. Bonds have durations and stocks don't. You can hold a stock as long as you want, but as bonds age they become less representative of the overall index, and eventually they expire comp...
by telemark
Wed Apr 13, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Total Bond Achilles Heel?
Replies: 47
Views: 5571

Re: Total Bond Achilles Heel?

I did a search in bloomberg.com for "Achilles heel", and it seems to be a meme there: just about everything has an Achilles heel, or possibly several. However I am not able to find this article. But the obvious flaw in the excerpt is that indexing does not drive the borrowing market. In pa...
by telemark
Tue Apr 12, 2016 12:06 pm
Forum: Investing - Theory, News & General
Topic: what is the draw of active management?
Replies: 37
Views: 2154

Re: what is the draw of active management?

If you look at the past and start playing the 'if only' game, there are many obvious opportunities to beat the market, and in hindsight most of them seem like things that any reasonable person should have been able to spot. It's easy to imagine that active management is a thing that could work: noth...
by telemark
Sat Apr 09, 2016 10:50 am
Forum: Investing - Theory, News & General
Topic: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe
Replies: 77
Views: 6105

Re: "Indexed Investing: A Prosaic Way to Beat the Average Investor" by W. Sharpe

You don't have to assume that passive investors never trade. You only need to assume that they trade less often, on average, than active investors. Which seems entirely reasonable to me.
by telemark
Fri Apr 08, 2016 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs. Traditional 401k
Replies: 54
Views: 3848

Re: Roth vs. Traditional 401k

If the company match could go into Roth, then someone would need to pay taxes on it, which means that the amount due would need to be calculated, which means you would have to list it as taxable income when you file, even though if you are on a vesting schedule the money may only provisionally belon...
by telemark
Fri Apr 08, 2016 6:04 am
Forum: Personal Finance (Not Investing)
Topic: Apple letting you hide the stock app
Replies: 13
Views: 1765

Re: Apple letting you hide the stock app

Good idea.

"The stock market is a giant distraction from the business of investing" -- Jack Bogle
by telemark
Fri Apr 08, 2016 5:58 am
Forum: Investing - Help with Personal Investments
Topic: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy
Replies: 32
Views: 3406

Re: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy

DorchesterMa Welcome to the forum, and congratulations on being able to leave an inheritance. The Roth IRA is an excellent choice for many investors and you may well be one of them. The tax code is complex enough that it isn't the right choice for everyone all the time: many investors will be better...
by telemark
Thu Apr 07, 2016 2:55 pm
Forum: Personal Consumer Issues
Topic: Cruise trip - Money saving tips
Replies: 32
Views: 2701

Re: Cruise trip - Money saving tips

No personal experience with this, but I have heard of this "trap". [Perhaps others may know more]. Cruise passengers are told that if they use or display some kind of identification as a cruise passenger that they can get "discounts" from various merchants at shore stops. What a...
by telemark
Thu Apr 07, 2016 2:22 pm
Forum: Investing - Help with Personal Investments
Topic: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy
Replies: 32
Views: 3406

Re: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy

Expect thread to be locked soon, but Ed Slott has been pushing Roth IRAs forever based on his belief that taxes will be increasing significantly in the future. I don't agree with this assumption or his recommendation. If he's right, I pay more tax at some indistinct point in the future on my tradit...
by telemark
Thu Apr 07, 2016 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy
Replies: 32
Views: 3406

Re: Foxbusiness: Why Taxes, Not Fees are Retirement Savers' Biggest Enemy

Slott's last tip is to go Roth, because of the tax benefits for retirement savers. "In retirement you want to keep every cent you have. Years ago when I started there weren't Roths -- you had tax deffered like people have now, 401(K)s, IRAs and the taxing comes later. You'd be better positione...

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