Search found 2217 matches

by telemark
Thu May 17, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 608
Views: 69017

Hap and Leonard

I haven't read that much of Joe R. Lansdale's copious writings, but I've always enjoyed them when I did. Had I known there was a TV series based on his eponymous characters--for example, if Netflix had bothered to inform me of this instead of incessantly plugging their own mediocre offerings--I woul...
by telemark
Fri May 11, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4316

Re: Anyone buy carbon offsets when flying?

And how many calories does it take to move a two-ton vehicle one mile? Answering my own question, a gallon of gasoline contains about 31,000 calories. Assuming, since I'm feeling generous, that the vehicle in question gets 40MPG, that would be 775 calories. For more on this topic, see https://auto....
by telemark
Fri May 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4316

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Fri May 11, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4316

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Fri May 11, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4316

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Wed May 09, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay capital gains now, avoid ACA cliff later?
Replies: 22
Views: 2586

Re: Pay capital gains now, avoid ACA cliff later?

New information. I found out I can get Cobra insurance from my employer for 18 months. I'd like to retire in June,2020, then Cobra will cover me for the rest of that year and the next year. I could realize my big gains in that time period and not worry about ACA cliff. Does that sound like a good p...
by telemark
Wed May 02, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Ineligible Roth IRA contribution - unemployed
Replies: 6
Views: 730

Re: Ineligible Roth IRA contribution - unemployed

Many people here, well, some people here contribute the maximum allowed on January 2nd, and obviously they will not have that much earned income at that point.
by telemark
Wed May 02, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1201

Re: Keyboard key labels wearing off...

"they don't make 'em like they used to"

Sometimes they do. If you don't mind the price, there's a project to build a new run of the IBM model F keyboards at

https://www.modelfkeyboards.com/

But I'm happy with my Model M from Unicomp. Tried a bunch of the others, keep coming back to this one.
by telemark
Mon Apr 30, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2549

Re: What Android browser do you use?

Firefox with uBlock Origin.
by telemark
Tue Apr 24, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004822

Re: What Movie Have You Recently Watched?

Two movies still in theaters, A Wrinkle in Time and Tomb Raider. And a pattern I hadn't expected, young women setting out in search of their missing fathers. It's been a long time since I read the book, but I thought A Wrinkle in Time got the book mostly right. Since I consider it almost a miracle w...
by telemark
Tue Apr 24, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5243

Re: [Vanguard account locked out due to deceased owner]

Question for future reference.. We have signed and notarized a full control-full access among 3 persons to all accounts held individually by each of these 3 persons. That means, VG allows any one of 3 user logons to be used to BOTH see and execute trades, buy, sell, exchange by any of the 3 in any ...
by telemark
Sun Apr 22, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 9287

Re: Boglehead Philosophy Open To Change?

There's an understandable tendency to want to think that whatever investment strategy one is currently following must be the best of all possible investment strategies, far far superior to anything else, and this kind of overenthusiasm does show up here from time to time.* It's already been pointed ...
by telemark
Wed Apr 18, 2018 11:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 182
Views: 23600

Re: Roll Call for the Retirement Class of 2018!

Upcoming graduates - :!: __ Apr - telemark <== Welcome to the Class ! Actually I'm there now: my last day was the 13th, lucky number for me. If you leave in the middle of the month your insurance is covered until the end of the month :wink: Still trying to find a balance between my new ability to d...
by telemark
Tue Apr 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Ogden UT/Salt Lake City summer children's activities?
Replies: 8
Views: 554

Re: Ogden UT/Salt Lake City summer children's activities?

If driving everywhere gets old, you can also ride the Frontrunner train to Thanksgiving Point or downtown Salt Lake City.
by telemark
Mon Apr 16, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2351

Re: Mozart in the morning, please

For what it's worth, I have a Bose Wave radio I bought circa 1992. The CD player likes to skip but otherwise it still works perfectly, now mostly playing music from a Sonos Connect. Also, any music that woke me up in the morning would rapidly cease to be my favorite music. I have my Sonos system set...
by telemark
Mon Apr 16, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3531
Views: 1004822

Re: What Movie Have You Recently Watched?

Aquarius (2016, not rated). I was looking to see if Netflix had anything with Sonia Braga in it, and this came up. Very low key, slice-of-life film making where the actors all look like people instead of movie stars. If you are feeling overstimulated or hyperstimulated by too many action movies, thi...
by telemark
Mon Apr 16, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion timing and ACA subsidies
Replies: 11
Views: 780

Re: Roth conversion timing and ACA subsidies

If you are off the mark, you have company. Exactly how I am "fighting the battle", especially on the ACA front. Thanks. It seems that I'm not crazy or overlooking anything too important, and while I hesitate to say that constraints are ever a good thing, this one does reduce the solution space to a...
by telemark
Sun Apr 15, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion timing and ACA subsidies
Replies: 11
Views: 780

Roth conversion timing and ACA subsidies

I'm newly retired, considering how to proceed. In round numbers my situation is single, age 58, state income tax 5%, no debt $300K in a good traditional 401K $650K in an expensive traditional 401K $100K in a Roth IRA at Vanguard $200K in various taxable accounts annual expenses around $40K My origin...
by telemark
Fri Apr 06, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: wi-fi internet connection issue
Replies: 13
Views: 1443

Re: wi-fi internet connection issue

These days WEP is almost worthless, security-wise, so you are better off using WPA2 anyway. If Frontier is charging you a monthly rental on the router, you might look into buying your own instead.
by telemark
Fri Apr 06, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 80
Views: 19334

Re: Treasury Direct is a waste of time

The site feels clunky because it is clunky, but I would not recommend that people avoid it on that account. An updated web site would be nice, but I'd rather see higher purchase limits on savings bonds.
by telemark
Tue Apr 03, 2018 8:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 182
Views: 23600

Re: Roll Call for the Retirement Class of 2018!

I gave notice on Monday, so any little fluctuations you may have noticed in the market are presumably my fault. It will be a couple of weeks before we get the details sorted out. It was something of an impulse decision, but it seemed to me that the marginal utility of another year of work was far le...
by telemark
Tue Apr 03, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3880

Re: Comparison of grocery prices?

$2.99/dozen at Natural Foods for cage free omega plus eggs, from Amish farmers yet. Not the cheapest option, but I like the flavor and a dozen lasts me about a week, so it's not a major expense. I don't like milk, so I don't buy that. I did a taste test of various eggs cooked over easy in unsalted ...
by telemark
Tue Apr 03, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 4028

Re: How did you file your income taxes?

I switched from TaxAct online last year to FreeTaxUSA this year, and the whole process seemed easier and smoother. My taxes are pretty simple, but I had to enter half a dozen 1099 forms and claim the foreign tax credit for one of them. Back when I let TurboTax import the data for me I always checked...
by telemark
Thu Mar 29, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3880

Re: Comparison of grocery prices?

$2.99/dozen at Natural Foods for cage free omega plus eggs, from Amish farmers yet. Not the cheapest option, but I like the flavor and a dozen lasts me about a week, so it's not a major expense. I don't like milk, so I don't buy that.
by telemark
Thu Mar 29, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13309

Re: Healthy eaters -- is this grocery budget normal to you?

One trap people fall into when grocery shopping, especially at Whole Foods, is buying prepared foods and meals - not actual groceries. Their salad bar, juices, pizzas, sushi rolls, rotisserie chicken, and refrigerators full of pre-mixed salads and already-cooked entrees are priced like you're buyin...
by telemark
Thu Mar 29, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 13309

Re: Healthy eaters -- is this grocery budget normal to you?

I will offer the same advice I have for any budgetary question (or engineering problem): you can't control what you don't measure. Keep track of everything you spend on food and break it down by item type. Much of your spending will probably turn out to be for a small part of what you eat, it may no...
by telemark
Wed Mar 28, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 9287

Re: Not going to be buying chicken for a while...

Livestock are not evolving in the usual sense (survival of the fittest). We are breeding them for the traits we want. It's not just chickens, there is a similar issue with cows. https://www.washingtonpost.com/news/wonk/wp/2017/12/07/cattle-have-gotten-so-big-that-restaurants-and-grocery-stores-need-...
by telemark
Wed Mar 28, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4987

Re: Is technical analysis all smoke and mirrors?

The market is not simply random data: it actively resists attempts to study it. There is a theory which states that if ever anyone discovers exactly what the Universe is for and why it is here, it will instantly disappear and be replaced by something even more bizarre and inexplicable. There is anot...
by telemark
Sun Mar 25, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: What is the chance of a purchase decreasing in value at some point?
Replies: 10
Views: 852

Re: What is the chance of a purchase decreasing in value at some point?

It gets worse. If you buy ETFs, you can watch the value decline on the *same* day.

Maybe adjust your time frame and stop checking your investments so often?
by telemark
Sun Mar 25, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Invests money, 3 days later the market tanks.
Replies: 58
Views: 7311

Re: Invests money, 3 days later the market tanks.

In April of 2010 I invested $30,000 in a shiny new slice-and-dice taxable portfolio at Vanguard. I wasn't sure it was a good idea but I didn't want to wait any longer. The first week of May was the flash crash. Stuff happens, especially where markets are involved. In hindsight my only mistake was no...
by telemark
Sun Mar 25, 2018 5:12 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 12277

Re: Seasoned bogleheads repressing the thought of lower expected returns

I ignore all prospects (aka predictions) of future market behavior, except in hindsight, because in hindsight it's hilarious to notice how wrong they turned out to be.

But maybe this time is different?
by telemark
Sat Mar 24, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1676

Re: How to Learn to Build a Web App

When I was in graduate school taking upper level math courses, I tried to solve every problem before looking at the solution. Usually I failed, but the effort made it easier for me to understand the solution. So there's some value in trying things yourself: even if you end up working with other peop...
by telemark
Sat Mar 24, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: I need a planter for dwarf pine on balcony [update]
Replies: 7
Views: 847

Re: I need a planter for dwarf pine on balcony

Following up, it turns out that these are really tough little guys and it takes a very stupid person to kill one. Which would be, uh, me. I gave up on the idea of self-watering pots when I discovered how much one would cost for the size I needed. So I bought a fiberglass pot at Big Lots, punched out...
by telemark
Fri Mar 23, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

I am well aware of the differences among the many types of social media. Anyone who participates in a forum like this one, and thinks he is not using social media, is redefining the meaning of the term. Does your definition have any limits? Does it include post cards? People have been communicating...
by telemark
Fri Mar 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 22641

Re: Anyone Deleting Facebook?

Yes, but it had nothing to do with privacy and the recently discovered lack thereof. I'm solidly with Parker and Palihapitiya in thinking that it is an unhealthy social validation feedback loop and serves no real positive function. I feel that way about social media in general and eschew its use. Y...
by telemark
Thu Mar 22, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in 401K
Replies: 10
Views: 1093

Re: Bonds in 401K

If you want to hold bonds, and most of us here would agree that you should, a 401K is a great place to hold them, assuming that your plan offers some decent bond funds.
by telemark
Wed Mar 21, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2620

Re: Need to pull some data off some old 5-1/4" floppy disks

Although I have a working computer with two 5-1/4" floppy disk drives, it doesn't do you much good! Even if I could read whatever data you needed, I'm not sure if I could transfer it to something that you could use on a modern computer. In my area, there are dozens of small companies in just about ...
by telemark
Wed Mar 21, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4421

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I'd like to be sure I understand what is dangerous about these units, since I've started stocking up on power backups due to the increasing frequency of multi-day power outages in my area. The kind of device that has no batteries in it until you put them in (I have one that uses several AA or maybe...
by telemark
Wed Mar 21, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4421

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

And there is always traditional NiMH (rechargable AA like Eneloop, etc) ... which is a lot safer but again much heavier and lower capacity. You can also get NiMH cells in C and D sizes, not just the AAs in a larger package. The D cells have capacities up to 1 ampere-hour. I use them to run Christma...
by telemark
Wed Mar 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4421

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

When you think about how many devices are out there with lithium ion batteries, the 'explodey' concern may be a bit overstated. Basically every laptop, cell phone, or similar device made in the last ~ 10 years. Typically any issues are caught very early as manufacturing defects and simply require s...
by telemark
Sun Mar 18, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Quiet vehicle for two cats
Replies: 15
Views: 1061

Re: Quiet vehicle for two cats

This is not a recommendation because I have no personal experience, but the reviews for the 2017 Ford Focus hybrid all mention how quiet it is inside. You might try renting a few different cars first to see how your cats react to them.
by telemark
Sat Mar 17, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 60
Views: 4421

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

No personal knowledge, but searching for 'AA power bank' finds some that use AA batteries, so you could use NiMH rechargeables like Eneloops, which wouldn't have the safety problems of lithium ion batteries. One example: https://www.amazon.com/Verbatim-Power-B ... B007MLHS2S The downside to NiMH ba...
by telemark
Sat Mar 17, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Market Efficiency - Or Not
Replies: 33
Views: 2534

Re: Market Efficiency - Or Not

"Efficient market hypothesis" is one of those poorly chosen names that invites people to draw wrong conclusions about its meaning.* For starters, it doesn't mean the market will be particularly, well, efficient.

* "expected return" is another.
by telemark
Thu Mar 15, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Guaranteed 9.3% Return?
Replies: 43
Views: 5940

Re: 401K: Guaranteed 9.3% Return?

Any difference between current and future tax rates can be modelled as a rate of return, yes, although in this case I make it out to be closer to 1.1% (1 / 0.907). That's 1.1% once, not 1.1% per year, and only if the 9.3% is a flat rate.
by telemark
Wed Mar 14, 2018 5:47 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4395

Re: Tables feature

Your post quoted mine. Compare it with what I posted and see the problems? I rest my case. Ok, you got me. I see no differences at all between the original text in https://www.bogleheads.org/forum/viewtopic.php?p=3829405#p3829405 vs. the quoted text in https://www.bogleheads.org/forum/viewtopic.php...
by telemark
Wed Mar 14, 2018 5:35 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4395

Re: Tables feature

Peculiar_Investor wrote:
Wed Mar 14, 2018 5:34 pm
telemark wrote:
Wed Mar 14, 2018 5:23 pm
Peculiar_Investor wrote:
Wed Mar 14, 2018 2:00 pm
Even the use of simple BBCodes can cause problems with a post ...
... As long as we're wishing, that is :)
Your post quoted mine. Compare it with what I posted and see the problems? I rest my case.
Fixed now :D
by telemark
Wed Mar 14, 2018 5:23 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4395

Re: Tables feature

Even the use of simple BBCodes can cause problems with a post, particularly when the user has to manually enter them. There are almost daily examples of members using the [qu ote] BBCode without properly closing it with [/qu ote]. Tables are far more complex and I would expect users would often wan...
by telemark
Wed Mar 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 47
Views: 4565

Re: simplifying my financial life -- should i get rid of treasury direct?

I've never been fan of EE bonds, but short term treasury yields are looking attractive now, with three months at 1.65% and six months at 1.85%, so I might move some short term money into that. I linked a second bank account last year with no problems, so that part doesn't worry me.