Search found 1777 matches

by telemark
Mon Jan 16, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Limited Fund offering in 401K
Replies: 10
Views: 446

Re: Limited Fund offering in 401K

This is a sadly common situation. Your goal should be to meet your intended allocation with the lowest expense ratio over the entire portfolio, calculating the expense ratio as a weighted average. This probably means spending some time with a spreadsheet trying different combinations.
by telemark
Sun Jan 15, 2017 5:16 pm
Forum: Personal Consumer Issues
Topic: streaming amazon videos on HP Chromebook
Replies: 1
Views: 138

Re: streaming amazon videos on HP Chromebook

I don't know, but the first episode of The Man in the High Castle is still free. You could stream that for a test.
by telemark
Sat Jan 14, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 27
Views: 3347

Re: Google Chromecast

For music, you want what are known as powered speakers or computer speakers, meaning the amplifier and the speaker are combined in the same unit. Oops, big mistake here if you have the original Chromecast. The Chromecast only has HDMI output, so you can't just connect it to some speakers: you need ...
by telemark
Sat Jan 14, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Google Chromecast
Replies: 27
Views: 3347

Re: Google Chromecast

I know I'm behind the times but I just bought one of these today. 8-) Any new developments in the technology since the first comments back in 2013? Everyone seemed so positive on it that I figured I couldn't go wrong for $30. Does anyone have recommendations for excellent quality speakers to stream...
by telemark
Fri Jan 13, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: t-IRA to Roth conversions..the rest of the story
Replies: 24
Views: 1758

Re: t-IRA to Roth conversions..the rest of the story

I'm in the 28% bracket as a retired single, yet I do modest Roth conversions on a monthly basis. Main reason for this is that I face a decent increase in taxable income in 2020 when my SS and RMDs start. So effectively 15% of my gross retirement income goes into my Roth IRA from my 403(b), rather t...
by telemark
Fri Jan 13, 2017 12:17 pm
Forum: Personal Finance (Not Investing)
Topic: t-IRA to Roth conversions..the rest of the story
Replies: 24
Views: 1758

Re: t-IRA to Roth conversions..the rest of the story

Now of course, this is just one case study, to give a sense about the concept. I was recently speaking to somebody who is ready to retire in his early 60s, and 100% of his savings are in tax-sheltered accounts (401k-like). Roth conversion made zero sense for him. It only makes sense if you have a s...
by telemark
Thu Jan 12, 2017 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: [Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]
Replies: 16
Views: 703

[Help Evaluating Legal & General S&P 500® Collective Investment Trust Fund Class A]

Funds that track the same index differ mainly in the fees they charge. This one has a low fee which makes it good, assuming you wanted an S&P 500 index fund in the first place. You might also look at the wiki entry here:

http://www.bogleheads.org/wiki/Collective_Investment_Trusts
by telemark
Thu Jan 12, 2017 11:11 am
Forum: Investing - Help with Personal Investments
Topic: I'm weary of unitized funds...is it irrational?
Replies: 21
Views: 1276

Re: I'm weary of unitized funds...is it irrational?

Those are great choices and I would not hesitate to use any of them.
by telemark
Tue Jan 10, 2017 5:57 pm
Forum: Personal Consumer Issues
Topic: Laundry lifestyle creep
Replies: 48
Views: 6464

Re: Laundry lifestyle creep

Rupert wrote:
Dottie57 wrote:I never knew laundry had a lifestyle. :confused


This thread definitely ranks right up there with the recent thread on how to save money on toilet brushes.

I'm pretty sure my socks get up to things I don't know about. Sometimes they never come back.
by telemark
Tue Jan 10, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3635

Re: Weight machine vs free weight

You can do some very nice things with bodyweight exercises and kettlebells. If you want to build strength, free weights have some advantages. You can precisely control the amount of weight you're lifting, allowing for more effective progressive programming. With bodyweight, you can make things more...
by telemark
Tue Jan 10, 2017 2:42 pm
Forum: Personal Consumer Issues
Topic: Weight machine vs free weight
Replies: 64
Views: 3635

Re: Weight machine vs free weight

Strength is important, but as you get older you need to pay more attention to maintaining your overall ability to move. If you can't get down on the floor and back up by yourself, or bend over to pick something off the floor, you have suddenly become very dependent on having other people around. So ...
by telemark
Sun Jan 08, 2017 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds or Roth
Replies: 8
Views: 615

Re: I Bonds or Roth

I bonds lock up the basis for a year, penalize withdrawals for up to five years, and gains are taxed on withdrawal as ordinary income. Contributions to a Roth account have none of these problems. I own I bonds, but only with money I can't squeeze into my Roth.
by telemark
Sat Jan 07, 2017 3:53 pm
Forum: Personal Consumer Issues
Topic: Gas Water Heater vs Electric Tankless
Replies: 26
Views: 1756

Re: Gas Water Heater vs Electric Tankless

Here's a page I ran across recently. I won't vouch for his opinions but it's interesting reading. Short form: he doesn't like them.

http://michaelbluejay.com/electricity/tankless.html
by telemark
Sat Jan 07, 2017 7:26 am
Forum: Investing - Help with Personal Investments
Topic: How will the market perform in 2017?
Replies: 45
Views: 3131

Re: How will the market perform in 2017?

Wagnerjb wrote:It will fluctuate

And I plan to save and rebalance as needed.
by telemark
Sat Jan 07, 2017 6:52 am
Forum: Personal Finance (Not Investing)
Topic: Rewritable DVD and copying VHS tapes
Replies: 15
Views: 1098

Re: Rewritable DVD and copying VHS tapes

I did some of this around 2003-2004, using a VCR connected to an ADS Pyro box that gave me a Firewire link to a Mac (one of the white plastic iBooks). I would have done more, but it was a struggle getting iMovie to recognize the input, I kept running out of disk space, the G3 processor took hours to...
by telemark
Thu Jan 05, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k, kind of lost
Replies: 11
Views: 603

Re: New 401k, kind of lost

Ugh. Not much to choose from there, and you've already found the best fund. You could also consider the Voya Intermediate Bond fund, but it would be better to keep your bond allocation in a different account where you can get lower fees.
by telemark
Wed Jan 04, 2017 7:38 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 9997

Re: Max It Out Tomorrow

If your (and Investopedia's) definition of dollar cost averaging is accepted, then there is no point in having this conversation because there is literally no way to invest periodic wages except by "dollar cost averaging" them. With respect to it being my definition I must decline credit,...
by telemark
Tue Jan 03, 2017 11:58 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 9997

Re: Max It Out Tomorrow

Only if one believes that he can predict the market's gyrations should an investor dollar cost average or do any other form of market timing. I follow the 3 scenarios but here are two exceptions I'd like to consider: Does investing in a 401k each pay period count as DCA? Also, some individuals can ...
by telemark
Tue Jan 03, 2017 11:40 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 9997

Re: Max It Out Tomorrow

I follow the 3 scenarios but here are two exceptions I'd like to consider: Does investing in a 401k each pay period count as DCA? Also, some individuals can only contribute a certain amount monthly to the IRA instead of the lump sum. Is that DCA? According to Investopedia : Dollar-cost averaging (D...
by telemark
Tue Jan 03, 2017 6:39 pm
Forum: Personal Consumer Issues
Topic: Any TRX users?
Replies: 7
Views: 765

Re: Any TRX users?

When my sternum was held together with wire and I couldn't do any upper body work at all, I could still lie on my back and bicycle. Try lifting your butt off the floor and it suddenly gets much harder. Assuming you're healthy, try doing pushups, flyes, and ab rollouts. Most people find suspended pus...
by telemark
Tue Jan 03, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 201
Views: 19808

Re: Good Modern Science Fiction

Long, long ago I asked a question on Compuserve about magneto-optical drives, which were a thing at the time, and got some very helpful answers from a guy named Jack Chalker. Yes, that Jack Chalker.
by telemark
Tue Jan 03, 2017 1:51 am
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 116
Views: 9997

Re: Don't Max It Out Tomorrow

Don't Max Out Tomorrow. If you're sitting on $5500/$6500 in cash and waiting to pull the trigger to fill your IRA tomorrow, then the damage is already done. But in the future, remember that "Time,Not Timing" matters. That is, you should have invested that money last year, rather than sitt...
by telemark
Mon Jan 02, 2017 11:13 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2268
Views: 560836

Re: What Movie Have You Recently Watched?

L'Autre Dumas, which should translate as The Other Dumas, but for some reason is listed on Amazon as simply Dumas. Features a complicated plot in which absolutely no one understands what is going on, and incidentally answers the question of what to do with great wealth: get your own private menagerie.
by telemark
Sun Jan 01, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3413

Re: Audiophiles help me with setup

Wired vs wireless shouldn't be an issue. Unless you are experiencing dropouts, a Sonos unit sounds exactly the same whether it's connected wirelessly or through ethernet. So does a Chromecase Audio or, for that matter, an Airplay speaker. Some wireless speakers really are just a speaker with a Bluet...
by telemark
Sat Dec 31, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Legal Windows ISOs less than 4GB
Replies: 14
Views: 839

Re: Legal Windows ISOs less than 4GB

I'd rather not go through this again Since you are downloading to Linux, have a look at curl and the --continue-at option. From the man page: -C, --continue-at <offset> Continue/Resume a previous file transfer at the given offset. The given offset is the exact number of bytes that will be skipped, ...
by telemark
Sat Dec 31, 2016 2:11 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3413

Re: Audiophiles help me with setup

Records do have some advantages. There's the great artwork on the covers, and all the room for notes on the back. Many older recordings never got remastered on CDs, so if you want to hear them vinyl is your only choice. And they impress your friends in a way a streaming account never will. But sound...
by telemark
Sat Dec 31, 2016 4:33 am
Forum: Personal Consumer Issues
Topic: Affordable home exercise
Replies: 91
Views: 6410

Re: Affordable home exercise

A good thing to pair with a pullup bar is an extension trainer. TRX is overpriced, but I like the Lifeline Jungle Gym. $49 from the manufacturer or you can often find them on Amazon for less. https://www.lifelinefitness.com/store/products/ProductDetail.php?ProductID=684 I've used mine mainly for reh...
by telemark
Fri Dec 30, 2016 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Are balanced index funds tax efficient?
Replies: 9
Views: 1043

Re: Are balanced index funds tax efficient?

In addition to the problem of holding bonds in taxable, balanced funds usually rebalance daily and this can generate taxable events. If there's enough money coming in and out of the fund, they may be able use that to reduce the problem. The most efficient approach is to hold simple index funds in ta...
by telemark
Fri Dec 30, 2016 3:16 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13386

Re: How old is your vehicle?

Update! 2007 Ford Escape was rear ended yesterday. Bad collision, significant damage. I anticipate it will be totaled. Good news is my daughter and myself were not seriously injured. There is something to be said for owning a safe vehicle. I would not want to be in the same type violent collision d...
by telemark
Fri Dec 30, 2016 7:25 am
Forum: Investing - Theory, News & General
Topic: 100% TIPS and 0% in Nominal Bonds?
Replies: 168
Views: 8583

Re: 100% TIPS and 0% in Nominal Bonds?

A home is illiquid, undiversified, generates no income, is subject to property tax and requires maintenance. Other than that, if you want to consider it an investment, go right ahead.
by telemark
Thu Dec 29, 2016 2:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2268
Views: 560836

Re: What Movie Have You Recently Watched?

Up, from Pixar. I love the dogs ("He wears the Cone of Shame!"), but what I noticed as a Boglehead was the sequence in the beginning where they are saving for a trip, and then something happens and they have to spend the money, over and over again.
by telemark
Wed Dec 28, 2016 6:19 pm
Forum: Personal Consumer Issues
Topic: Best shows to see while in Vegas
Replies: 28
Views: 2141

Re: Best shows to see while in Vegas

MoonOrb wrote:Also endorsing Love.

All you need is Love.
by telemark
Wed Dec 28, 2016 12:40 pm
Forum: Investing - Help with Personal Investments
Topic: Can't find a prospectus? WF/BlackRock S&P 500
Replies: 14
Views: 3524

Re: Can't find a prospectus? WF/BlackRock S&P 500

Collective Investment Trusts don't distribute dividends, the value is incorporated into the NAV for the fund. You still get the same return either way.
by telemark
Tue Dec 27, 2016 3:50 pm
Forum: Personal Consumer Issues
Topic: Most sustainable vehicle
Replies: 44
Views: 2659

Re: Most sustainable vehicle

Not quite the question you asked, but Subaru claims its manufacturing plants are zero-landfill, meaning 98% of the waste is reused or recycled.

http://www.treehugger.com/corporate-responsibility/subaru-celebrates-10-years-zero-landfill-manufacturing.html
by telemark
Tue Dec 27, 2016 5:32 am
Forum: Personal Consumer Issues
Topic: Scarlatti K322 / L483 and Sor etudes (an old LP)?
Replies: 6
Views: 493

Re: Scarlatti K322 and Sor etudes (an old LP)?

Classical Archives shows several guitar arrangements of the Scarlatti, but most of them seem recent and none of them are paired with anything by Sor. If you could remember who the guitarist was, it would narrow the search. A lot of older LPs seem never to have made the transfer to CD. I have an old...
by telemark
Mon Dec 26, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 4255

Re: David Swensen says "never have anything weighted more than 30%"

CaBob wrote: Swensen is apparently talking about one of his personal rules. I'm almost positive that he is not suggesting that it is an appropriate rule for all investors. 1+ Garland Whizzer I rather think he is, actually. Certainly the principles are meant to be applied in relation to the needs of...
by telemark
Mon Dec 26, 2016 12:56 pm
Forum: Investing - Theory, News & General
Topic: David Swensen says "never have anything weighted more than 30%"
Replies: 42
Views: 4255

Re: David Swensen says "never have anything weighted more than 30%"

From chapter four of Swensen's book Unconventional Success Begin the portfolio structuring process by considering the issue of diversification, using the six core asset classes. The necessity that each asset class matter indicates a minimum of a 5 or 10 percent allocation. The requirement that no as...
by telemark
Sun Dec 25, 2016 8:17 pm
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2204

Re: Active Funds better than Index Funds for coming Bear Market?

Rocky: That trick never works.

Bullwinkle: This time for sure!
by telemark
Sun Dec 25, 2016 12:45 pm
Forum: Personal Finance (Not Investing)
Topic: Rush to pay off 0% Auto Loan?
Replies: 38
Views: 3287

Re: Rush to pay off 0% Auto Loan?

orca91 wrote:There's a year and 9 months left on the loan. I don't think inflation and cheaper dollars really factor into this decision much.

Indeed not, but we're all kind of stretching for arguments here :)
by telemark
Sun Dec 25, 2016 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Rush to pay off 0% Auto Loan?
Replies: 38
Views: 3287

Re: Rush to pay off 0% Auto Loan?

If inflation picks up, as some people are predicting, keeping the loan will mean paying with cheaper dollars. Or you can pay it off new and save, um, nothing.
by telemark
Fri Dec 23, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Financial Independence is not the Holy Grail
Replies: 85
Views: 8977

Re: Financial Independence is not the Holy Grail

I don't have the option of cutting back from 16 to 12 shifts a month. I've never seen a software dev job that allows that. This. I love designing, writing, and fixing code. Not so fond of being on multiple critical paths for projects that are already behind schedule. On the other hand, I agree that...
by telemark
Thu Dec 22, 2016 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Should I rebalance with each deposit?
Replies: 16
Views: 1235

Re: Should I rebalance with each deposit?

I do this. I like to think of it as putting the money into whatever asset class has the lowest valuation at the moment, though it may be that I'm kidding myself. Also it amuses me.

Current contributions are going into bonds, unsurprisingly.
by telemark
Thu Dec 22, 2016 6:32 pm
Forum: Personal Finance (Not Investing)
Topic: Can Bogleheads Have Fun Too?
Replies: 29
Views: 2889

Re: Can Bogleheads Have Fun Too?

Never. Is forbidden. No fun for Bogleheads!
by telemark
Thu Dec 22, 2016 6:32 pm
Forum: Investing - Theory, News & General
Topic: Fortune Article - Vanguard Flexes Its Muscle
Replies: 43
Views: 5347

Re: Fortune Article - Vanguard Flexes Its Muscle

I think the question "why is Vanguard pushing international bonds so hard?" has now been answered. telemark, could you elaborate? I took the references to "international business" to mean business with customers in other countries, not increasing the AUM of international funds h...
by telemark
Thu Dec 22, 2016 1:26 pm
Forum: Investing - Theory, News & General
Topic: Fortune Article - Vanguard Flexes Its Muscle
Replies: 43
Views: 5347

Re: Fortune Article - Vanguard Flexes Its Muscle

I think the question "why is Vanguard pushing international bonds so hard?" has now been answered.
by telemark
Tue Dec 20, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: "Trump Rally" with any basis or doomed to come down to earth soon?
Replies: 16
Views: 1442

Re: "Trump Rally" with any basis or doomed to come down to earth soon?

Nothing fundamental has changed, so at this point it's all about expectations, and expectations can change very quickly. I expect the market to fluctuate.
by telemark
Tue Dec 20, 2016 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: Another "OMG why did my portfolio fall" question!
Replies: 30
Views: 4116

Re: Another "OMG why did my portfolio fall" question!

I asked the very same question this time last year, and I've been around here long enough that I already knew the answer--just didn't think to apply it.
by telemark
Mon Dec 19, 2016 7:58 am
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 4828

Re: Concept of Bogleheads needing to "Save more"

I agree that indexing is likely to be the best choice for the average investor, especially when fees are involved, but we should not confuse that with pretending that it provides the maximum possible return. That's a very different concept, and a not at all subtle one.
by telemark
Sun Dec 18, 2016 12:51 pm
Forum: Investing - Theory, News & General
Topic: Concept of Bogleheads needing to "Save more"
Replies: 61
Views: 4828

Re: Concept of Bogleheads needing to "Save more"

isn't the reason we believe in passive, low cost index funds and staying the course because we believe that is the maximum return, plain and simple? Index funds give you the average return, pretty much by definition. Obviously (I hope) that is not the maximum return. Unfortunately the maximum retur...
by telemark
Sun Dec 18, 2016 12:42 am
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13386

Re: How old is your vehicle?

2003 and 185,000 miles, just short of a light-second. It still does everything I need from a car, and buying a new one would blow a big hole in my budget.

And since the recent market rally pushed me back over the 2-comma line, that makes me a millionaire who can't afford to buy a car :D

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