Search found 1644 matches

by telemark
Sat Sep 24, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: Merriman knocks TSM
Replies: 34
Views: 4190

Re: Merriman knocks TSM

This has been discussed a number of times since 2014. I would start with this thread

https://www.bogleheads.org/forum/viewtopic.php?t=153866
by telemark
Fri Sep 23, 2016 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Fundamental Difference in Roth and Traditional 401k
Replies: 49
Views: 2856

Re: Fundamental Difference in Roth and Traditional 401k

If your employer does contributions by percentages and you want to contribute $1,333, you would have to adjust the percentage yourself. My employer uses fixed amounts, so I tend to forget about that. The other complication is that your tax rate will probably not remain constant. Ideally you want to ...
by telemark
Wed Sep 21, 2016 5:15 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3115

Re: Recommendations for External Hard Drive

Also note that a drive that runs 24x7 in a data center has a very different usage profile and is subject to a different set of stresses than one that spends most of its time sitting in a safe. For the original poster's purposes, a portable USB drive might be better able to survive the monthly trip t...
by telemark
Tue Sep 20, 2016 12:37 pm
Forum: Personal Consumer Issues
Topic: Recommendations for External Hard Drive
Replies: 47
Views: 3115

Re: Recommendations for External Hard Drive

It's been a while since I researched this, but I think the different colors mainly represent differences in the drive firmware and the kinds of use they're intended for. For an everyday desktop drive response time is the most important thing. For backups that doesn't matter so much. For backup drive...
by telemark
Mon Sep 19, 2016 10:21 pm
Forum: Investing - Theory, News & General
Topic: Disappointing News Wells Fargo
Replies: 111
Views: 8874

Re: Disappointing News Wells Fargo

Credit Unions may be less prone to shenanigans but there have been plenty examples of fraud and embezzlement from insiders there as well Unfortunately, this is absolutely true. It is "scary" when you personally know such folks who hite the "news" about credit union fraud/embezzl...
by telemark
Mon Sep 19, 2016 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: IRS calling?
Replies: 7
Views: 820

Re: IRS calling?

I actually was the target of a pending lawsuit once, and the first I heard about it was when the process server showed up at my door.
by telemark
Mon Sep 19, 2016 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38265

Re: Do you really need 2.5 million to retire well?

... Just to be clear, flyingaway wrote that, not me. And what if you only have $2M, and you want to retire, but you feel uncomfortable retiring without the extra $500K just in case you get cancer and need some expensive treatment at Mayo Clinic in the future.... So you decide to work hard and save ...
by telemark
Mon Sep 19, 2016 4:34 pm
Forum: Personal Finance (Not Investing)
Topic: Do you really need 2.5 million to retire well?
Replies: 247
Views: 38265

Re: Do you really need 2.5 million to retire well?

If you have a cancer and there is a potential treatment in a different place, say Mayo Clinic, that your insurance does not cover. Do you want to go to get the treatment on your own? I think that is the time you wish you had at least $2.5MM in your portfolio. It's a great point, and I'd like to add...
by telemark
Fri Sep 16, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 2986

Re: No matching on Roth?

If your tax rate remains constant, it's actually a wash. Assuming for simplicity that your tax rate is 25%, you can either: ⋅ contribute $1000 to a Roth 401K, have it grow to $10,000, and have $10,000 tax free ⋅ contribute $1333.33 to a traditional 401K, have it grow to $13,333, ...
by telemark
Fri Sep 16, 2016 10:15 am
Forum: Investing - Help with Personal Investments
Topic: No matching on Roth?
Replies: 60
Views: 2986

Re: No matching on Roth?

By IRS regulation the match always goes into your traditional 401K. Possibly your employer is doing this and you aren't seeing it for some reason? Or maybe they really only match on traditional contributions. That does seem odd, but employers can make their own rules here.
by telemark
Tue Sep 13, 2016 10:38 am
Forum: Investing - Theory, News & General
Topic: Why does hint of Fed interest rate hike trigger sell-off?
Replies: 34
Views: 4046

Re: Why does hint of Fed interest rate hike trigger sell-off?

I really do not understand why a probable rise in the Fed interest rate should make the market drop. How do you know that was the cause? Maybe some other event was a fundamental cause, and stock and bond selloffs as well as a rise in probability of rate hikes are all symptoms of the fundamental cau...
by telemark
Mon Sep 12, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Where to buy good bookshelves in the bay area?
Replies: 9
Views: 782

Re: Where to buy good bookshelves?

I can't make any specific recommendations, but The Container Store has a wide selection.
by telemark
Mon Sep 12, 2016 12:27 pm
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3597

Re: Best Flashlight to keep in home for emergency

Eneloops maintain a 75% charge for 3 to 5 years (roughly speaking, there are different generations of eneloops). Thanks, it sounds as though eneloops have improved since the last time I looked. And for anything you use semi-regularly, rechargeables are better since you'll notice when they need topp...
by telemark
Mon Sep 12, 2016 10:16 am
Forum: Personal Consumer Issues
Topic: Best Flashlight to keep in home for emergency
Replies: 56
Views: 3597

Re: Best Flashlight to keep in home for emergency

For emergency use what matters is shelf life. You want it to work when you need it, even if you haven't thought about it for years. So I wouldn't recommend anything rechargeable: rechargeable batteries, even eneloops, have a relatively short shelf life compared to alkaline batteries. So I suggest an...
by telemark
Sun Sep 11, 2016 9:27 pm
Forum: Personal Consumer Issues
Topic: Who is ready for iphone 7?
Replies: 149
Views: 11623

Re: Who is ready for iphone 7?

dbr wrote:All phones and tablets are too heavy and don't have enough battery life.

Replaceable batteries solve the second problem nicely. Maybe the iPhone 11 will present this as a great new innovation.
by telemark
Sat Sep 10, 2016 3:52 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9220

Re: So being 40 is "old" in the high tech business?

One problem the non-computer scientist has is not understanding, for example, the difference in writing a short program in a scripting language for oneself and writing a large piece of enterprise-quality software in a team environment. Fred Brooks covers this pretty well in the first chapter of The...
by telemark
Sat Sep 10, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9220

Re: So being 40 is "old" in the high tech business?

Put yourself in the shoes of a CEO of a big corporation that employs thousands of engineers. Your shareholders want to see the stock price go up. Analysts want to see earnings increase. The hard way to grow earnings is by increasing market share or creating new products and markets, like iPhone or ...
by telemark
Sat Sep 10, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9220

Re: So being 40 is "old" in the high tech business?

On the outside looking in (I'm not in a tech field, just overall business field), but I have to ask - why aren't more people in the tech sector, contractors? In today's era where mutual loyalty has been tossed aside, there are no longer any pensions and healthcare can be obtained independently - wh...
by telemark
Fri Sep 09, 2016 9:37 am
Forum: Personal Consumer Issues
Topic: So being 40 is "old" in the high tech business?
Replies: 129
Views: 9220

Re: So being 40 is "old" in the high tech business?

I'm 57, still writing software for a living. Not in California, though. You do have to keep current with the technology, and that can be a full time job in itself.

Besides, grey hair is in fashion now--kids are bleaching to get the look :wink:
by telemark
Wed Sep 07, 2016 1:55 pm
Forum: Investing - Theory, News & General
Topic: My take on the passive investing is worse than Marxism
Replies: 24
Views: 3847

Re: My take on the passive investing is worse than Marxism

Brilliant Larry, great column, with my new favorite quote included in your piece: As American novelist Upton Sinclair wrote, It is difficult to get a man to understand something, when his salary depends on his not understanding it. See also John Kenneth Galbraith: "In the choice between changi...
by telemark
Wed Sep 07, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 65429

Re: Free Windows 10 Upgrade, Yes or No?

expat wrote:The Windows 10 blue screen is much nicer then previous versions. So there's that.
And the pictures on the lock screen are gorgeous. But the best thing I can say about the new look and feel is that my Linux system at home now seems much more polished and professional looking.
by telemark
Tue Sep 06, 2016 10:02 am
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3532

Re: Are LED bulbs getting more efficient?

I was just watching an episode of Buffy the Vampire Slayer that dates from 2002. There's a scene where one of the characters walks into a dark room and flips the light switch, and the light takes a couple of seconds to come all the way on. I'd forgotten how annoying that was. I am wondering how the...
by telemark
Sun Sep 04, 2016 10:05 pm
Forum: Personal Consumer Issues
Topic: Are LED bulbs getting more efficient?
Replies: 34
Views: 3532

Re: Are LED bulbs getting more efficient?

I was just watching an episode of Buffy the Vampire Slayer that dates from 2002. There's a scene where one of the characters walks into a dark room and flips the light switch, and the light takes a couple of seconds to come all the way on. I'd forgotten how annoying that was.
by telemark
Tue Aug 30, 2016 10:18 am
Forum: Investing - Theory, News & General
Topic: The Vanguard Effect
Replies: 7
Views: 1481

Re: The Vanguard Effect

That's a lot of yachts.
by telemark
Mon Aug 29, 2016 12:16 pm
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8890

Re: Fidelity competing harder w/Vanguard

Their target date funds, FDIFX and so on, are still running at 0.5% to 0.77%. Maybe Fidelity isn't feeling any pressure there. But they do have lower ER Fidelity freedom index funds . Good luck trying to easily locate them at Fidelity's website :( . 0.24% is certainly an improvement. Maybe I can pe...
by telemark
Mon Aug 29, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: Fidelity competing harder w/Vanguard
Replies: 92
Views: 8890

Re: Fidelity competing harder w/Vanguard

Their target date funds, FDIFX and so on, are still running at 0.5% to 0.77%. Maybe Fidelity isn't feeling any pressure there.
by telemark
Mon Aug 29, 2016 9:44 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 1904
Views: 449292

Re: What Movie Have You Recently Watched?

The Bridge Over the River Kwai, with Obi-wan Kenobi facing off against the Empire of the Sun.

I can't believe this has been on Netflix for who knows how long and Netflix never told me. Why didn't they tell me? Anyway, it goes away at the end of August so you'll need to watch fast.
by telemark
Sat Aug 27, 2016 10:58 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA conversion at 28% tax rate.
Replies: 19
Views: 1203

Re: Roth IRA conversion at 28% tax rate.

The single 15% bracket is much smaller than the married. Smaller space , so am anxious right now. I noticed that too. For singles the 15% bracket ends at $37,650. If you withdraw that much for living expenses, anything more you withdraw, such as for Roth conversions and the taxes on them, will be t...
by telemark
Sat Aug 27, 2016 3:53 am
Forum: Investing - Theory, News & General
Topic: "Are Index Funds Eating the World?"
Replies: 38
Views: 4054

Re: Worse than Marxism

Investors of the world, unite! You have nothing to lose but your fees...
by telemark
Fri Aug 26, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: Help explain: bond prices and interest rate link
Replies: 24
Views: 1797

Re: Help explain: bond prices and interest rate link

Bond owners are never happy: When rates rise, they are unhappy because the value of their bonds goes down. When rates drop, they are unhappy because their returns drop. :? And stock owners are never happy either. When prices go up, they're unhappy because valuations are high and future returns look...
by telemark
Sat Aug 20, 2016 8:37 pm
Forum: Personal Consumer Issues
Topic: What is your system for dealing with coins?
Replies: 123
Views: 7729

Re: What is your system for dealing with coins?

I pull out the quarters for use in the laundry room. The rest stay in my wallet until the next time I buy something, and then I get rid of them as opportunity presents. If the total is $1.23, I'll pay exactly. If it's $1.83, I'll hand the cashier two dollars and three pennies. This does confuse them...
by telemark
Fri Aug 19, 2016 4:03 pm
Forum: Forum Issues and Administration
Topic: Improving the Bogleheads forum
Replies: 86
Views: 6500

Re: Improving the Bogleheads forum

If Warren hit Jimmy while lunching in Las Vegas, how would the headline read?
by telemark
Fri Aug 19, 2016 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 25
Views: 1832

Re: Are all of these 401k options terrible?

so the vanguard EE benefit would be the fund that has similar returns to something like the vanguard total stock market (VTSMX)? For a single fund, yes. To match VTSMX exactly you would need EE Benefit + Blackrock Extended in a 4 to 1 ratio. In practice it doesn't seem to make much difference, and ...
by telemark
Fri Aug 19, 2016 12:24 pm
Forum: Investing - Help with Personal Investments
Topic: Are all of these 401k options terrible?
Replies: 25
Views: 1832

Re: Are all of these 401k options terrible?

I find that sorting the choices by expense ratio* usually clarifies things. In this case we get EQUITY/STOCK Date ER Month YTD VANGUARD EE BENEFIT INDEX FD 11/01/2011 0.02% 3.73% 7.68% BLACKROCK MSCI ACWI EX CL M 10/12/2012 0.10% 4.96% 4.72% VANGUARD REIT INDEX FD CL INST 12/02/2003 0.10% 4.22% 18.2...
by telemark
Fri Aug 19, 2016 4:01 am
Forum: Investing - Theory, News & General
Topic: Why is Soros betting against the market (shorting SPY)?
Replies: 33
Views: 4903

Re: Why is Soros betting against the market (shorting SPY)?

Okay let me re-iterate my usual: WHO CARES!! I don't understand the level of idolism folks have on this website for big name folks. Soros is A LOT smarter then me, but what I know he is not is clairvoyant any more then my dog (BTW I don't have a dog). Just like I wouldn't take advice from a pooch a...
by telemark
Tue Aug 16, 2016 11:35 pm
Forum: Personal Consumer Issues
Topic: Editing shortcut emacs-like keys. Do u use them?
Replies: 26
Views: 1294

Re: Editing shortcut emacs-like keys. Do u use them?

I'll confess a certain fondness for Eight Megabytes And Constantly Swapping, but ed is the standard editor.
by telemark
Sun Aug 14, 2016 12:28 pm
Forum: Personal Consumer Issues
Topic: Do you wash your car yourself, or have it done?
Replies: 96
Views: 5847

Re: Do you wash your car yourself, or have it done?

I usually run mine through the car wash to get the dirt/mud/salt off and then go over it by hand to get tar or anything leftover and then I wax it. Car wash does a decent job but with a white car you notice what is missed. Even after the carwash I usually spend a good hour touching it up and waxing...
by telemark
Fri Aug 12, 2016 5:02 pm
Forum: Investing - Help with Personal Investments
Topic: Create Swensen Unconventional Portfolio from 401K selection
Replies: 2
Views: 262

Re: Create Swensen Unconventional Portfolio from 401K selection

Swensen is a strong advocate for keeping bonds as riskless as possible, hence his preference for treasuries. If I recall correctly, he particularly recommends against mortgage-backed securities, so the GNMA fund might not be a good choice. That leaves Total Bond, which at least has a lot of treasuri...
by telemark
Fri Aug 12, 2016 4:30 pm
Forum: Investing - Theory, News & General
Topic: The Empire (of Active Managers) Strikes Back
Replies: 6
Views: 1000

Re: The Empire (of Active Managers) Strikes Back

delamer wrote:I thought Bogleheads would find Scott Burns' latest column of interest: https://assetbuilder.com/knowledge-center/articles/the-empire-strikes-back-(at-the-index-fund-uprising)

I fixed the url for you. The automatic URL recognition didn't pick up the closing parenthesis.
by telemark
Fri Aug 12, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Try to Fix Old LED TV or Buy New
Replies: 57
Views: 2860

Re: Try to Fix Old LED TV or Buy New

I seem to recall something (dontcha hate it when ya get old and stuff gets mired down in your brain?) about a time some years ago when multiple vendors (TV, computers, etc) were plagued with a bad manufacturing run of electrolytic capacitors. This bad run caused infant mortality in a lot of devices...
by telemark
Wed Aug 10, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Going short to negate going long [socially responsible investing]
Replies: 59
Views: 3159

Re: Going short to negate going long

To avoid distraction, for the sake of argument let's move forward assuming I don't want to invest in companies that make or sell, say, window cleaner, because I morally believe all windows ought to be dirty. :) This is certainly a laudable goal (my own windows are quite dirty, thank you very much),...
by telemark
Wed Aug 10, 2016 9:33 am
Forum: Personal Finance (Not Investing)
Topic: Will banks let you pay only the interest part of your mortgage?
Replies: 17
Views: 2130

Re: Will banks let you pay only the interest part of your mortgage?

For more flexibility, you can take out a 30 year mortgage and make extra payments on the principal. Then if something happens, you can stop making the extra payments. This won't usually work; making extra principal payments reduces future interest owed, but doesn't eliminate your payment obligation...
by telemark
Tue Aug 09, 2016 7:23 am
Forum: Personal Finance (Not Investing)
Topic: Will banks let you pay only the interest part of your mortgage?
Replies: 17
Views: 2130

Re: Will banks let you pay only the interest part of your mortgage?

For more flexibility, you can take out a 30 year mortgage and make extra payments on the principal. Then if something happens, you can stop making the extra payments.
by telemark
Tue Aug 09, 2016 6:35 am
Forum: Personal Finance (Not Investing)
Topic: Will banks let you pay only the interest part of your mortgage?
Replies: 17
Views: 2130

Re: Will banks let you pay only the interest part of your mortgage?

And for much of the life of an amortized mortgage, most of the payments are interest anyway. It's only when you get near the end of the loan that the principal starts to figure in.
by telemark
Tue Aug 09, 2016 6:24 am
Forum: Investing - Theory, News & General
Topic: "What Vanguard's Hire of a Wall Streeter Reveals.."
Replies: 8
Views: 2308

Re: "What Vanguard's Hire of a Wall Streeter Reveals.."

We are a technology company

And here I thought they were a company that can't put together a decent web site but is amazing at index funds. My mistake :D
by telemark
Sat Aug 06, 2016 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Check required: ALLY Savings Account!
Replies: 12
Views: 1091

Re: Credit Check required: ALLY Savings Account!

It's a known issue with Ally: see here and here and here and here. Easiest solution is to find another bank; no one has reported this problem with any bank but Ally.
by telemark
Fri Aug 05, 2016 8:47 pm
Forum: Personal Consumer Issues
Topic: Heart rate monitors
Replies: 22
Views: 1184

Re: Heart rate monitors

I had heart surgery a year ago. Since then I've started wearing a Mio Fuse when I exercise. You wear it a little farther up the forearm than a wristwatch, but it seems accurate enough, compared to my pulse oximeter. You need their app to set it up (I used a Nexus 7 tablet) but after that you can eit...
by telemark
Fri Aug 05, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: Where to find common items that last "forever"
Replies: 58
Views: 4468

Re: Where to find common items that last "forever"

I have a canister vacuum cleaner I bought at Sears sometime in the 1980s. A few years ago it sprung a leak in the hose that connects the canister to the floor attachment. This isn't just any hose; it contains some electric wiring to power the beater in the attachment, with connections on each end. I...
by telemark
Fri Aug 05, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: Mutual funds with no ticker symbol in my 401K
Replies: 8
Views: 699

Re: Mutual funds with no ticker symbol in my 401K

The wiki entry for these is Collective Investment Trusts. If it tracks an index, you can consider it interchangeable with the equivalant Vanguard fund.

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