Search found 1582 matches

by telemark
Fri Jul 22, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: LED lights or bulbs
Replies: 21
Views: 2025

Re: LED lights or bulbs

... I can't quite bring myself to throw away (correction: put it in the little box on the porch and remember to take to the dump on Hazardous Waste Day) a perfectly good CFL just because I like the LEDs better. Agreed. I still have six, out of dozen, unused high-CRI CFLs I was awarded many years ag...
by telemark
Fri Jul 22, 2016 11:14 am
Forum: Personal Finance (Not Investing)
Topic: How many folks choose to give inheritance to their children in unequal portions?
Replies: 153
Views: 9938

Re: How many folks choose to give inheritance to their children in unequal portions?

My mother plans a two-thirds/one-third split, with me getting the one-third, and I'm fine with that. I happen to agree with her reasons--the other sibling has a spouse with expensive health issues--but even if I didn't it's her money. She can do what she wants with it.
by telemark
Fri Jul 22, 2016 9:34 am
Forum: Investing - Help with Personal Investments
Topic: How to weigh taxable vs roth vs 401(k)
Replies: 9
Views: 647

Re: How to weigh taxable vs roth vs 401(k)

It's complicated. I recommend this discussion on Dr. Bernstein's site:

Do Your Asset Classes Care Where They Are?
by telemark
Thu Jul 21, 2016 10:50 am
Forum: Personal Consumer Issues
Topic: LED lights or bulbs
Replies: 21
Views: 2025

Re: LED lights or bulbs

You might find this article interesting http://www.newyorker.com/business/currency/the-l-e-d-quandary-why-theres-no-such-thing-as-built-to-last But if this happens every time the power goes out, the problem may not be the bulbs. Perhaps you should look into a surge protector? Or is there physical da...
by telemark
Tue Jul 19, 2016 2:48 pm
Forum: Personal Consumer Issues
Topic: Netflix increasing prices. Will you keep it?
Replies: 73
Views: 9493

Re: Netflix increasing prices. Will you keep it?

My two years at the old price just ran out, so I switched to the basic plan at $7.99 a month. Haven't noticed any difference in streaming quality. It'll never be the one place where I can watch anything I want, but so far they've been able to keep me interested. I'm just getting started on Penny Dre...
by telemark
Mon Jul 18, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: What do you recommend for your emergency fund?
Replies: 25
Views: 2319

Re: What do you recommend for your emergency fund?

The rate at your credit union is about as good as you will find anywhere. When you need to withdraw money, just transfer it to your share account; that should be faster than ACH anyway. Check that it's insured by the NCUA. Also, many savings accounts are subject to Reg D limits: no more than six &qu...
by telemark
Sat Jul 16, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: Need printer recommendations
Replies: 36
Views: 1640

Re: Need printer recommendations

I suppose that means some kind of wireless printer that plays well with my iPhone, Macbook, etc. For use with your iPhone, look for a printer that supports AirPrint. This is a protocol that the iDevice and the printer use to find each other; it has nothing to do with whether or not the printer is w...
by telemark
Fri Jul 15, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: Avoid mid and small caps?
Replies: 19
Views: 2597

Re: Avoid mid and small caps?

I don't like volatility either, but I deal with it by increasing my allocation to bonds. It's the volatility of the overall portfolio that matters, not individual funds.
by telemark
Thu Jul 14, 2016 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

telemark, <<Maybe I'm missing something, but it seems just the same as spending the money directly from the 401K..> Why would this be the same? The taxable income amount is different in both situations. A) Withdraw 50K of Trad. 401K = 50K of income subject to tax. B) Spend 20K from Roth IRA -> not ...
by telemark
Thu Jul 14, 2016 12:31 pm
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

You hinted that you were going to continue maxing out your tax deferred account (at 24K per year). Yes, I started out by wondering if I should divert some of my present saving to taxable. As I see it, the choice is ⋅  invest $24,000 in my 401K and pay taxes on it later, at an effective ra...
by telemark
Tue Jul 12, 2016 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

You cannot make it with taxable account alone. But, could you make it with taxable account plus Roth IRA? KlangFool I thought about that, but then I'd be taking money out of the Roth IRA so that I could take money from the 401K, pay taxes on it, and put it in the Roth IRA. Maybe I'm missing somethi...
by telemark
Tue Jul 12, 2016 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

I posted a similar question a few years back and was advised that keeping much in equities in taxable when I was planning to live on that until age 70, may be fraught with too much risk. Use bonds at the riskiest. So I've done that (tax-exempt bond fund) and have not regretted it. I'm wondering if ...
by telemark
Tue Jul 12, 2016 12:35 pm
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

I am not sure how much of a difference it will make. In 4 years time we could easily see a crash and your taxable account could shrink when you plan to take withdrawals. That is not a bad thing but would spoil your plan to only use taxable from 60-70. Not much difference. Assuming 5% a year gives m...
by telemark
Tue Jul 12, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Re: Putting cash needs in 401K as a way to increase taxable account

There's some extra complexity in managing this, and where I get confused is thinking about what it buys me. Savings in a traditional 401K or IRA are still taxable as ordinary income, so in that respect it's a wash. Although 2.4% is more than I'm making in my I bonds.
by telemark
Tue Jul 12, 2016 10:40 am
Forum: Investing - Help with Personal Investments
Topic: Putting cash needs in 401K as a way to increase taxable account
Replies: 17
Views: 1249

Putting cash needs in 401K as a way to increase taxable account

Some background first: sorry it's long, but I need to explain where I'm coming from. I'm currently 56 and would like to retire at 60. Ideally, I would then delay taking Social Security until 70 and spend ten years living off my taxable accounts while doing Roth conversions from my 401K. That's not g...
by telemark
Fri Jul 08, 2016 5:35 pm
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2228

Re: Long term bond funds

I understand that if you invest in individual long term bonds, you generally cannot get your money back until they mature in 10-30 years from now. The risk of a bond isn't that you're forced to hold it; you can generally find a buyer if you need the money sooner. The risk is that the bond holder ma...
by telemark
Thu Jul 07, 2016 1:27 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7737

Re: Hiking questions

livesoft wrote:Shoes are personal thing. I usually wear sandals or running shoes. I'm sure I'll get flack for that.

Not from me, but I dropped out of a hiking club because I got tired of arguing with the shoe police.
by telemark
Thu Jul 07, 2016 1:24 pm
Forum: Personal Consumer Issues
Topic: Hiking questions
Replies: 154
Views: 7737

Re: Hiking questions

Aron Ralston recommends a sharp knife . I wouldn't go that far, but I try to carry enough to survive an overnight stay, should that prove necessary. In practice this means long synthetic underwear, top and bottom: this weighs almost nothing and takes up very little room in a pack. And an LED headlam...
by telemark
Wed Jul 06, 2016 9:28 am
Forum: Personal Consumer Issues
Topic: Arrgghhh !!! Windows 10 installed overnight
Replies: 92
Views: 8574

Re: Arrgghhh !!! Windows 10 installed overnight

Windows 7 is insecure at this point. Not upgrading to at least 8.1 I consider hazard to everyone on the internet as part of a botnet. Hmm. Microsoft's chief of marketing did say something to that effect in January, but as far as I can tell it's nothing but a scare tactic. Windows 7 is still receivi...
by telemark
Tue Jun 28, 2016 10:58 am
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 5930

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

Consider the alternative. You can sell now, at a loss, and then sit in cash until... when, exactly? What if the price goes up after you sell, and just keeps on going up? Successful market timing requires being right twice, and you've already been wrong once, by missing the top. I never like the you...
by telemark
Tue Jun 28, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Please help me choose bond funds for my 401(k)
Replies: 8
Views: 719

Re: Please help me choose bond funds for my 401(k)

Vanguard switched VBTLX to use the newer Barclay's float adjusted index in 2009. You can read about it at http://www.thinkadvisor.com/2009/09/23/vanguard-to-use-floating-benchmarks In practice there hasn't been much difference. If you are seeing a large difference in performance you may be comparing...
by telemark
Mon Jun 27, 2016 1:48 pm
Forum: Investing - Theory, News & General
Topic: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and dropping?
Replies: 74
Views: 5930

Re: One thing I have always wondered..why should investors buy and hold when a stock/bond/fund keeps dropping and droppi

Consider the alternative. You can sell now, at a loss, and then sit in cash until... when, exactly? What if the price goes up after you sell, and just keeps on going up? Successful market timing requires being right twice, and you've already been wrong once, by missing the top.
by telemark
Mon Jun 27, 2016 12:54 pm
Forum: Forum Issues and Administration
Topic: How do you post a column aligned table of data ?
Replies: 10
Views: 415

Re: How do you post a column aligned table of data ?

What I do is type everything in another editor using a monospace font, then copy and paste into the browser. There are probably easier ways.

Edit to add: within a [code] section, of course.
by telemark
Sun Jun 26, 2016 11:15 pm
Forum: Personal Consumer Issues
Topic: Car talk: sonata MPG dropped a lot
Replies: 43
Views: 2804

Re: Car talk: sonata MPG dropped a lot

It is not to be expected. I have a 2003 Mazda still getting close to its original mileage. I would take it in for a tuneup and mention the problem. With a drop that sudden any competent shop should be able to find the cause.
by telemark
Fri Jun 24, 2016 10:30 am
Forum: Investing - Help with Personal Investments
Topic: BREXIT - Invest tomorrow?
Replies: 68
Views: 9879

Re: BREXIT - Invest tomorrow?

Yahoo currently has VXUS at 43.45, but in February it was below 39. As buying opportunities go this isn't too impressive.

And we all remember what the problem was in February, yes? :D
by telemark
Thu Jun 23, 2016 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Plan Advice. First time poster.
Replies: 5
Views: 443

Re: 401k Plan Advice. First time poster.

Yikes. This is an awful plan, and I recommend not rolling over any money into it. The best approach, if you don't mind some complexity, is to manage both plans as a single portfolio. Use only the least expensive fund in the new plan--that would be the State Street S&P 500 fund--and round out you...
by telemark
Wed Jun 22, 2016 10:35 am
Forum: Personal Consumer Issues
Topic: bicycle recommendations
Replies: 72
Views: 4384

Re: bicycle recommendations

Would a modern bike be significantly more efficient and easier to ride?

Don't ride a bicycle that doesn't fit you. Even the cheapest bike that fits you will be a vast improvement over the present situation. More money should produce incremental improvements.
by telemark
Wed Jun 22, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: An actual book on LastPass?
Replies: 35
Views: 2334

Re: An actual book on LastPass?

Closest thing I could find with a quick search is this

Take Control of Your Passwords, 2nd Edition - O'Reilly Media

I haven't read it so this is not a recommendation, and it's not specific to LastPass, but O'Reilly is generally a good source for computer books.
by telemark
Tue Jun 21, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5276

Re: Where (safely and legally) to keep "cash"?

And there is no law restricting how much cash you can have. However, there have been cases where people have had large amounts of cash seized by authorities under the assumption they must have gotten it illegally. This happens constantly. In 2014 more property was taken by the police than was stole...
by telemark
Tue Jun 21, 2016 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4188

Re: College and beyond without a credit card?

If you have a decent credit score, it's easy to think that it doesn't matter much, because you don't notice when it's being checked. Is there anyone here without a credit score who can comment? I don't qualify anymore.
by telemark
Mon Jun 20, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: College and beyond without a credit card?
Replies: 92
Views: 4188

Re: College and beyond without a credit card?

My first credit card was an American Express card provided by my employer to use when travelling, when I was 27. So it can be done, or at least there was once a time when it could be done. But I own and use a credit card now specifically for the purpose of maintaining a credit score. Whether or not ...
by telemark
Fri Jun 17, 2016 7:36 am
Forum: Personal Consumer Issues
Topic: Recommendation for Refrigerator
Replies: 39
Views: 2508

Re: Recommendation for Refrigerator

Frisco Kid wrote:We own a 24 year old Sub Zero that has been extremely reliable and is still serviceable

The question is, how long would a new Sub Zero last?
by telemark
Fri Jun 17, 2016 7:31 am
Forum: Investing - Theory, News & General
Topic: Making an app for Bogleheads, need advice
Replies: 34
Views: 3149

Re: Making an app for Bogleheads, need advice

I should first point out that I'm probably not in the target audience for this. But...

The performance of any portfolio is surprisingly sensitive to the period you test it over. Rather than looking at fixed periods, I like to be able to adjust both end points.
by telemark
Thu Jun 16, 2016 11:34 am
Forum: Personal Consumer Issues
Topic: Uber Car and the real cost of driving
Replies: 71
Views: 9058

Re: Uber Car and the real cost of driving

Uber's business model is heavily subsidized with cheap credit. Uber has already borrowed $13 billion* and is looking to borrow another $2 billion. In the (cough) current rising-rate environment, that can't go on forever. http://www.bloomberg.com/gadfly/articles/2016-06-15/uber-s-debt-fueled-cheap-pr...
by telemark
Wed Jun 15, 2016 5:50 pm
Forum: Investing - Theory, News & General
Topic: Iceland triggering second thoughts on foreign bonds?
Replies: 39
Views: 2952

Re: Iceland triggering second thoughts on foreign bonds?

AlohaJoe wrote:I guess I shouldn't be surprised that so few seem to have actually read the articles about this.

Mea culpa. I don't subscribe to the WSJ and was too lazy to play games with Google. Thanks for clearing that up.
by telemark
Tue Jun 14, 2016 2:19 pm
Forum: Investing - Theory, News & General
Topic: Iceland triggering second thoughts on foreign bonds?
Replies: 39
Views: 2952

Re: Iceland triggering second thoughts on foreign bonds?

All currencies are not equal. If the world were full of people looking for a safe place to keep their extra krona, if the world were full of people hoping to convert their savings to krona and put them somewhere safe, if drug dealers were passing around suitcases stuffed with 100-krona bills, then I...
by telemark
Tue Jun 14, 2016 12:50 pm
Forum: Investing - Theory, News & General
Topic: Iceland triggering second thoughts on foreign bonds?
Replies: 39
Views: 2952

Re: Iceland triggering second thoughts on foreign bonds?

Whakamole wrote:
stlutz wrote:Iceland is broke--they can't pay it back.


A counterpoint to the "governments can't go bankrupt because they can always just print more money" argument.

That argument only applies to governments that can borrow in their own currencies.
by telemark
Sat Jun 11, 2016 12:24 pm
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6346

Re: What is your overall portfolio weighted expense ratio

0.30% across my two 401Ks. Highest ratio is 0.58% for PICYX in my current plan, lowest is 0.062% for an unnamed international index in my old plan. I also have a small Roth IRA and taxable account at Vanguard. Including those would lower the total, but not by very much. Given the generally expensive...
by telemark
Fri Jun 10, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: 20 year U.S. Treasuries, who's in?
Replies: 34
Views: 3171

Re: 20 year U.S. Treasuries, who's in?

My Roth IRA is 15% VUSTX (Vanguard long treasuries) and 15% VIPSX (Vanguard TIPS). No problems so far.
by telemark
Wed Jun 08, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: US Bonds are not highest rated in the world?
Replies: 57
Views: 4361

Re: US Bonds are not highest rated in the world?

S&P downgraded US debt to AA+ in 2011. I believe the other rating agencies still have it at AAA. This is the same S&P that rated packages of subprime mortgages as AAA and then defended itself by arguing that no one believes them anyway. The thing to remember is that the US borrows in its own...
by telemark
Tue Jun 07, 2016 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: leadership buzzwords
Replies: 14
Views: 794

Re: leadership buzzwords

Is the goal to improve your thinking or to blend into the crowd?
by telemark
Fri Jun 03, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: "6 Reasons The Rich Should Pay-Off Their Mortgage"
Replies: 76
Views: 9741

Re: "6 Reasons The Rich Should Pay-Off Their Mortgage"

I paid off the mortgage on my condo without being rich and that may have been a mistake. At the time I knew nothing about investing and probably would not have made good choices there either. On the other hand, it was an ARM and I don't think the rate ever dropped below 10%, so maybe it wasn't a mis...
by telemark
Thu Jun 02, 2016 1:53 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross and his June 2016 investment outlook
Replies: 50
Views: 5475

Re: Bill Gross and his June 2016 investment outlook

The fact of the matter is that at the end of the day is a perfect storm of black swans treading water.
by telemark
Thu Jun 02, 2016 10:36 am
Forum: Personal Consumer Issues
Topic: Are all cable companies horrible from a customer service standpoint?
Replies: 42
Views: 2220

Re: Are all cable companies horrible from a customer service standpoint?

OK without googling it (in a rush) wasn't ALL versions of UNIX based on the original developed by AT &T? They had to give it away for free to universities (monopoly) and so Berkeley picked it up and created the BSD which was then very widely used? So Bell Labs was the progenitor of *all* UNIX. ...
by telemark
Wed Jun 01, 2016 4:58 pm
Forum: Personal Finance (Not Investing)
Topic: credit card usage fee spreading
Replies: 16
Views: 1453

Re: credit card usage fee spreading

I thought there was some deal with Visa/Mastercard that you couldn't do that, but I guess not as it is pretty widespread. That changed as part of the settlement of a class action lawsuit. The history is long and complicated: see https://en.wikipedia.org/wiki/Payment_Card_Interchange_Fee_and_Merchan...
by telemark
Tue May 31, 2016 3:45 pm
Forum: Personal Consumer Issues
Topic: Are all cable companies horrible from a customer service standpoint?
Replies: 42
Views: 2220

Re: Are all cable companies horrible from a customer service standpoint?

The one time I had to call Comcast for technical support, when I was trying to figure out why a relative's TV wasn't working, I found the representative to be very knowledgeable and helpful. After everything I've heard about Comcast, I was pleasantly surprised.
by telemark
Tue May 31, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: exercise on a rebounder
Replies: 2
Views: 424

Re: exercise on a rebounder

My elementary school had one of these. The coach called it a mini-tramp and wouldn't let us near it, so I have no personal experience to report. It looks like a good idea: low impact aerobic exercise with a bit of balance and coordination thrown in. Don't do anything stupid, and if it isn't fun you ...
by telemark
Sun May 29, 2016 11:06 pm
Forum: Personal Consumer Issues
Topic: Walkers for short people
Replies: 5
Views: 518

Re: Walkers for short people

They make walkers for very short people. If you are having problems locating one, you should try contacting the local Council on Aging as they are generally the experts on such matters. In this area, we have a non-profit that provides all medical equipment to those in needs. Unfortunately she lives...

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