Search found 1803 matches

by telemark
Fri Feb 24, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: How to Rebalance with Rate Hikes Looming
Replies: 14
Views: 1500

Re: How to Rebalance with Rate Hikes Looming

If I thought about it, I'd say something like "If it feels wrong that's probably a good sign. The point of having a plan is to make you do things when they feel wrong." But I try not to think about it, because rebalancing isn't something you want to overthink. I rebalanced into bonds in Ja...
by telemark
Wed Feb 22, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Extreme Valuations, and why you should reconsider
Replies: 170
Views: 9266

Re: Extreme Valuations, and why you should reconsider

If you think returns will be lower going forward, would that not be a reason to increase your equity allocation? Reducing it will only lower your returns even more.
by telemark
Tue Feb 21, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: Desktop Computer - Still relevant? Good investment?
Replies: 67
Views: 4722

Re: Desktop Computer - Still relevant? Good investment?

I wouldn't describe any computer as an investment, but I did buy the best external monitor I could find and pair it with a keyboard that suits my typing style. I share them between two desktop computers, an old Mac Mini and a Mintbox running Linux Mint.
by telemark
Tue Feb 21, 2017 2:11 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett v. Bogleheads
Replies: 39
Views: 3613

Re: Warren Buffet v. Bogleheads

It is a variation of Buffett, in the sense that Buffett isn't interested in owning the market. Just certain companies, which are ones run by conservative management, and which have a strong company competitive position in a good business sector. When there are market declines, the prices of these c...
by telemark
Sat Feb 18, 2017 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Chromebook with the feel of a MacBook? Personal Finance Software?
Replies: 4
Views: 849

Re: Chromebook with the feel of a MacBook? Personal Finance Software?

The Chromebook Pixel reportedly has an amazing display, but is priced at a point where most people would just buy a MacBook instead. Google has announced plans to let Android apps run on Chrome, so that may alleviate some of the software limitations. You might look at http://www.knowyourmobile.com/d...
by telemark
Wed Feb 15, 2017 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: Mailed Speeding Ticket via Auto System - Not Driver
Replies: 57
Views: 1685

Re: Mailed Speeding Ticket via Auto System - Not Driver

These have been fought successfully, but you would really have to want to win. I'm pretty sure a simple affidavit isn't going to do the job. See

https://arstechnica.com/tech-policy/2017/01/op-ed-how-i-turned-a-traffic-ticket-into-the-constitutional-trial-of-the-century/
by telemark
Tue Feb 14, 2017 6:12 am
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

You have to have funds for the first five years somewhere , but it doesn't all have to be in taxable. Any Roth contributions or conversions you make before early retirement can also help fill the gap. If you've put $5000 a year into a Roth IRA for 25 years you have $125k that can be withdrawn immed...
by telemark
Mon Feb 13, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Converting a new Roth to a Traditional IRA
Replies: 20
Views: 869

Re: Converting a new Roth to a Traditional IRA

At what age are you planning to retire? Unless I've misread the MadFientist article, the Roth IRA conversion ladder is really only useful if you plan to retire at 53 1/2 or younger. Due to the five year waiting period, even retiring at 53 1/2 only gives you one year of early access before you would ...
by telemark
Mon Feb 13, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Does Passive Style of Index Fund create artificial demand?
Replies: 21
Views: 1229

Re: Does Passive Style of Index Fund create artificial demand?

We already have a mechanism for encouraging great companies to succeed and mediocre ones to fail: it's called the free market. If you like a company and want it to succeed, try buying their products. Buying their stock is unlikely to help and could easily be a bad investment. How could it be a bad i...
by telemark
Fri Feb 10, 2017 3:18 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 251
Views: 9111

Re: Your USER NAME...what does it mean?

I intended a reference to ballroom dancing, a hobby of mine, not realizing that when you Google it you find page after page of results about skiing. My avatar is The Winslow, of whom it is said "it is capable of speech but one may as well not listen."
by telemark
Wed Feb 08, 2017 3:26 pm
Forum: Investing - Theory, News & General
Topic: Rand Paul predicts bubble / boom in stock market
Replies: 16
Views: 1541

Re: Rand Paul predicts bubble / boom in stock market

Five years ago he was predicting hyperinflation. Weimar was just around the corner. How did that turn out?
by telemark
Wed Feb 08, 2017 3:22 pm
Forum: Personal Consumer Issues
Topic: Car wash best practices in cold climates?
Replies: 37
Views: 2774

Re: Car wash best practices in cold climates?

I grew up in a climate where only snobs washed their cars. Then I moved to a location with real winters and my car promptly rusted out. Now I use a two-stage process: as soon as the streets are reasonably dry I hose off the undercarriage and the worst of the grime at a self-service wash, so the salt...
by telemark
Wed Feb 08, 2017 1:28 pm
Forum: Personal Consumer Issues
Topic: Rule of Thumb for Getting Rid of Car
Replies: 40
Views: 3527

Re: Rule of Thumb for Getting Rid of Car

If the transmission problem shows up early and you haven't seen it at 87,000 miles, you're probably safe. But if you want to keep a car a long time it's best to deal with problems, even little ones, as soon as they show up. That way you don't look at it one day, notice what it's turned into, and sud...
by telemark
Tue Feb 07, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: College kids driving cars (to live off campus)
Replies: 44
Views: 2709

Re: College kids driving cars (to live off campus)

When I was an undergraduate I lived five miles from campus. Riding a bicycle to class took about 30 minutes, because I could ride right up to the building where I needed to be. Driving to the campus, finding a parking space, and walking to class took about 30 minutes. How far, exactly, is this long ...
by telemark
Mon Feb 06, 2017 11:32 am
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5355

Re: Index Investors getting a free ride

Wow this is a very important figure. Glad I am in index funds for all those years. So the next question is what happens if majority of investors start to prefer index over active. Then it will raise all boats and even the junk stocks will go up. Isn't this irrational? What is the solution here? Tha...
by telemark
Sun Feb 05, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Index Investors getting a free ride
Replies: 53
Views: 5355

Re: Index Investors getting a free ride

The argument used to be "index funds will never catch on, they don't beat the market." Now it's "Ok, index funds work, but they must be cheating somehow." Makes me wonder what the next argument will be. But what these people miss is that even if they somehow succeeded in getting ...
by telemark
Thu Feb 02, 2017 1:29 pm
Forum: Personal Consumer Issues
Topic: Technical issues with WIFI internet and websites
Replies: 18
Views: 1071

Re: Technical issues with WIFI internet and websites

Run a speed test, preferably from different locations and using different devices. I like http://www.dslreports.com/speedtest Also get a wifi analyser for a phone or tablet, there are lots to choose from, and walk around with it. You may be getting interference from other wifi networks, or the signa...
by telemark
Wed Feb 01, 2017 10:11 am
Forum: Personal Consumer Issues
Topic: what do you do to avoid the advertising noise?
Replies: 45
Views: 2239

Re: what do you do to avoid the advertising noise?

This is not a recommendation, but since you asked "what do you do" this is what I do. For most of my browsing I use a text-based browser, mostly w3m but sometimes lynx. Everything loads very fast, but sometimes you have to page through screen after screen of noise to get to the actual cont...
by telemark
Tue Jan 31, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3219

Re: Are you changing your AA based on current events?

I have made some changes recently. I rebalanced into bonds last week, because redirecting new money wasn't moving the needle the way I wanted, and I moved part of my bond allocation from a TBM-equivalent to a stable value fund. Were these reactions to current events? I like to think not, but I might...
by telemark
Tue Jan 24, 2017 5:51 pm
Forum: Personal Consumer Issues
Topic: Best Places to Live in US?
Replies: 123
Views: 11264

Re: Best Places to Live in US?

As to art and culture there is quite a bit particularly in the unique south west latin American and native American genre. It's all relative. I remember a conversation once in a group that included a recent immigrant from Russia. Someone asked her how she liked the area, and she said it was nice bu...
by telemark
Tue Jan 24, 2017 12:00 pm
Forum: Personal Consumer Issues
Topic: Need a good commuter car fairly soon
Replies: 85
Views: 6176

Re: Need a good commuter car fairly soon

sunny_socal wrote:Prius is great, but quite possibly the ugliest car on the road.

The new Chevy Malibu uses the same drive train as the Volt, but for gasoline operation only. You can't plug it in, but Chevy is claiming 49 MPG for city driving.
by telemark
Mon Jan 23, 2017 9:58 pm
Forum: Personal Consumer Issues
Topic: Carribean island most like Hawaii
Replies: 63
Views: 7500

Re: Carribean island most like Hawaii

Jags4186 wrote:Dominica might meet your needs.

http://wikitravel.org/en/Dominica

Second the motion. Not to be confused with the Dominican Republic, this is a beautiful volcanic island. I visited
it on a cruise once, would love to go back and spend some time.
by telemark
Mon Jan 23, 2017 6:40 pm
Forum: Personal Consumer Issues
Topic: Electric Bicycles
Replies: 23
Views: 2187

Re: Electric Bicycles

Another big disadvantage is weight. The rad power bikes are 60+ lbs. Fine if you have a garage to park in with easy-access bike racks, but I've found bike commuting in a city often means things like carrying bikes up stairs or hoisting the bike over an obstruction to lock it up. Much easier with a ...
by telemark
Wed Jan 18, 2017 11:53 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3929

Re: Basic question on Hybrid cars

If you can charge it at night, the Volt doesn't really rely on or benefit from a network of charging stations. My daily mileage is low enough to do all on electric power, and when I go out of town I wouldn't mind operating on gasoline: it's the tailpipe emissions in town I'm hoping to reduce. I need...
by telemark
Wed Jan 18, 2017 3:06 pm
Forum: Personal Consumer Issues
Topic: Basic question on Hybrid cars
Replies: 64
Views: 3929

Re: Basic question on Hybrid cars

You might also consider the Chevy Volt. The 2017's have about a 50 mile "electrical only" range, and then the 3-cylinder gas engine turns on to charge the batteries (which can also be charged via plug-in). The engine never drives the wheels; the Volt is a series hybrid rather than a paral...
by telemark
Wed Jan 18, 2017 6:31 am
Forum: Personal Consumer Issues
Topic: Durable photo printer ?
Replies: 43
Views: 2052

Re: Durable photo printer ?

The manufacturers usually recommend leaving inkjet printers on all the time. This lets them run periodic cleaning cycles to keep the ink from drying out or clogging. Of course this uses more ink. I suspect the key to successful inkjet use is just to embrace the ink, metaphorically speaking, and plan...
by telemark
Mon Jan 16, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Limited Fund offering in 401K
Replies: 18
Views: 1063

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: 175

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: 3474

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: 3474

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: 1868

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: 1868

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: 820

[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: 1367

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: 6776

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: 3823

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: 3823

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: 648

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: 1903

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: 3312

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: 1174

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: 632

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: 10232

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: 10232

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: 10232

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: 795

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: 224
Views: 23181

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: 10232

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: 2421
Views: 611723

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: 3555

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...

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