Search found 1857 matches

by telemark
Fri Apr 21, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Standalone wrist pedometer/watch?
Replies: 9
Views: 522

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: 3164

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: 3164

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...
by telemark
Mon Apr 17, 2017 3:39 pm
Forum: Investing - Theory, News & General
Topic: Co-opting the phrase "Great Rotation"
Replies: 6
Views: 671

Re: Co-opting the phrase "Great Rotation"

Calling it a rotation suggests that at some point the movement will reverse itself. I like The Great Migration better.
by telemark
Thu Apr 13, 2017 5:20 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing to control risk doesn't make sense to me
Replies: 160
Views: 10003

Re: Rebalancing to control risk doesn't make sense to me

We talk about rebalancing to control risk, or rebalancing to manage risk, but we never talk about rebalancing to reduce risk, because that's not what it does. Controlling risk means maintaining risk at an approximately constant level. Sometimes that means reducing risk, but other times it means incr...
by telemark
Tue Apr 11, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: A Wealth Of Common Sense
Replies: 17
Views: 3486

Re: A Wealth Of Common Sense

It reminds me of a quote I learned in engineering school, that I always liked, but never saw attributed. It went something like, "A designer knows his design is perfect not when there is nothing left to add, but when there is nothing left to take away." Seemed to make sense to me. Il semb...
by telemark
Tue Apr 11, 2017 2:18 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k Options
Replies: 3
Views: 176

Re: New 401k Options

VSTCX is not an index fund, so you might look into holding the small cap allocation in your IRA. On the other hand, the expense ratio isn't outrageous and it's probably close enough, remembering that investing is not an exact science.
by telemark
Mon Apr 10, 2017 4:36 pm
Forum: Personal Consumer Issues
Topic: Setting up home office/network question
Replies: 18
Views: 972

Re: Setting up home office/network question

Is the router wireless? You could buy a $10-$20 wireless USB adapter for the desktop and see if the speed will be good enough for your use (placement of the router in the house along with the building materials may affect connection quality). Yes, it is wireless. The desktop is currently wired, but...
by telemark
Sun Apr 09, 2017 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 4083

Re: Avoiding shafting my local merchants with card fees

seems like a reach to assume companies don't stay in business simply due to 'credit card fees' and that social unrest (loud parties) arise as a result. Correlation doesn't imply causation. It doesn't merely seem like a reach, it definitely is a reach. But my interest in the welfare of local busines...
by telemark
Sat Apr 08, 2017 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding shafting my local merchants with card fees
Replies: 42
Views: 4083

Re: Avoiding shafting my local merchants with card fees

Now I love getting "cash back" or travel rewards from cards, but not if it's going to screw my local merchant with higher fees in specific or on average. what do you care what it costs a retailer to accept your card? I must've missed something I can still remember when the car repair plac...
by telemark
Fri Apr 07, 2017 2:20 pm
Forum: Investing - Theory, News & General
Topic: Why cheaper index funds translate into lower future returns
Replies: 26
Views: 4118

Re: Why cheaper index funds translate into lower future returns

Some additional discussion here, although it's buried in the middle: https://www.bloomberg.com/view/articles/2017-04-04/hacienda-hedges-and-unicorn-votes If stocks are really becoming lower-return and also less volatile, then perhaps increasing your allocation to stocks is a sensible way to adjust t...
by telemark
Wed Apr 05, 2017 1:26 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4402

Re: Apple breaks its silence

How is this actionable? If you are a professional earning a living with Apple software, particularly in something like video editing where performance matters, and you are considering making the transition to software that runs on cheaper hardware, this is a factor in the decision. I don't know how...
by telemark
Tue Apr 04, 2017 5:21 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4402

Re: Apple breaks its silence

Dottie57 wrote: Do you make this type of remark to car enthusiasts?

Not that I recollect, but none of the car enthusiasts I know happen to need to run Apple software on high end computers. Not sure
I see the connection here.
by telemark
Tue Apr 04, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: Apple breaks its silence
Replies: 24
Views: 4402

Re: Apple breaks its silence

They might even acknowledge the existence of customers who are more interested in getting some work done than in having a beautiful work of art to put on their--but hey, who am I kidding? The Chomsky thing will happen first.
by telemark
Fri Mar 31, 2017 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?
Replies: 75
Views: 3947

Re: Fidelity advisor said I invested in too much S&P 500 at once for my portfolio; DCA it?

If you put $10 into the market near its all-time high and it drops, recovery to the balance could take years/decades. If you put $100K into the market near its all-time high and it drops, recovery to the balance could take years/decades. If you put $10,000,000 into the market near its all-time high ...
by telemark
Thu Mar 30, 2017 3:57 pm
Forum: Investing - Theory, News & General
Topic: Stay the course, always?
Replies: 55
Views: 4378

Re: Stay the course, always?

Another Boglehead put it this way: If the ship is taking on water, the Captain had better know how to handle the ship, ask for help, and be prudent enough to change course towards safe harbor until safety is assured. Staying-the-course is preferred but maybe not the wisest. I hate this analogy. Rea...
by telemark
Tue Mar 28, 2017 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?
Replies: 12
Views: 1864

Re: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?

I have wondered this a lot myself. Thanks for the answers. They make a lot of cents. :wink: I like to keep my accounts as simple as possible. I have a checking account at a local bank and use my brokerage account at Fidelity for my savings. I just keep a few thousand in the core position for that. ...
by telemark
Tue Mar 28, 2017 10:07 am
Forum: Personal Finance (Not Investing)
Topic: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?
Replies: 12
Views: 1864

Re: Why don't brokerages offer guaranteed 1% liquid savings accounts like Ally?

I don't even know why banks like Ally offer 1% savings accounts. Is this really the only way they can raise money? That doesn't seem very likely. It gets them some publicity, but not enough to seem particularly useful. It's a mystery.
by telemark
Mon Mar 27, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: Electric Space Heaters - Does expensive one heat better than cheap one?
Replies: 20
Views: 879

Re: Electric Space Heaters - Does expensive one heat better than cheap one?

The radiator-shaped units are quiet and very safe, but they take an hour or longer to warm up and the OP wanted something fast. I have a Vornado I use in the kitchen that gives me instant heat. It also shuts off automatically if you knock it over or drop a coat over it.
by telemark
Mon Mar 27, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 6424

Re: Weathering sell-off days like today

we're having a correction day. What is a correction day? It is when you read a chapter from Jonathan Franzen's book The Corrections. The presumption is that the market has risen above its true value, whatever that may be, and is now being corrected. Although one might just as reasonably take the vi...
by telemark
Fri Mar 24, 2017 2:43 pm
Forum: Personal Consumer Issues
Topic: What is your favorite consumer product?
Replies: 290
Views: 37107

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: 440

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: 1342

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: 6779

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: 4370

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: 235
Views: 25786

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: 605

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: 6052

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: 1584

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: 848

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: 848

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: 1203

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: 1765

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: 6755

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: 235
Views: 25786

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: 1765

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: 6090

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: 3250

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: 2026

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: 6564

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: 3432

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: 3727

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: 1674

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: 3401
Views: 877172

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: 1498

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: 6996

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: 7004

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: 7359

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 ...

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