Search found 34 matches

by quaternion
Sat Jul 21, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Suggestions About Simulating Homemade Chicken Stock
Replies: 28
Views: 1938

Re: Suggestions About Simulating Homemade Chicken Stock

Have you considered using a pressure cooker? It would be faster and cause less room heating than a stockpot, especially if using an electric cooker (which you could even run outside on a patio, garage, etc.).
by quaternion
Wed Jun 20, 2018 1:12 pm
Forum: Personal Consumer Issues
Topic: Need new Cable Modem + Router - Please recommend
Replies: 39
Views: 2963

Re: Need new Cable Modem + Router - Please recommend

Ubiquiti (https://www.ubnt.com/) makes some nice network hardware. They have a professional/prosumer 'Unifi' line with separate boxes for each function (routing, access point, switch, pick-any-modem), and a consumer 'Amplifi' line that is the typical all-in-one box (again, minus the modem).
by quaternion
Thu May 03, 2018 5:18 pm
Forum: Personal Consumer Issues
Topic: A Clamp, My Kingdom for a Clamp
Replies: 6
Views: 1073

Re: A Clamp, My Kingdom for a Clamp

https://www.mcmaster.com/ sells everything to make anything. Extremely likely that they can sell you a close replacement.
by quaternion
Tue May 01, 2018 5:28 pm
Forum: Personal Consumer Issues
Topic: Home Theater Stereo/Speakers
Replies: 72
Views: 7898

Re: Home Theater Stereo/Speakers

+1 that speakers matter more than receiver. Bookshelf is probably better bang-for-buck than floorstanding. Pioneer, Q acoustics, and Kef have inexpensive bookshelfs that get good reviews. If you're planning to stick with stereo, you could skip the surround receiver and get a stereo-only model. The c...
by quaternion
Tue Mar 20, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: Cookware Brands - Demeyere?
Replies: 43
Views: 6401

Re: Cookware Brands - Demeyere?

Commercial cookware seems to be a better value than the "premium" home brands. If it can stand abuse from harried chefs and line cooks, it'll probably last generations in a home kitchen. Vollrath has a broad range of stainless-clad cookware. I have one of their pans and like it. Available from vario...
by quaternion
Mon Jan 22, 2018 1:02 pm
Forum: Personal Investments
Topic: Brokerage Account Change to Fidelity - Pros and Cons
Replies: 20
Views: 2113

Re: Brokerage Account Change to Fidelity - Pros and Cons

Fidelity's index funds and the iShares ETFs are competetive with Vanguard. Seems like they leapfrog on ERs every couple of years. For mutual funds in a taxable account, Vanguard may have a material advantage due to their ETF share classes which let them dispose of appreciated shares without realizin...
by quaternion
Mon Jan 22, 2018 6:06 am
Forum: Personal Investments
Topic: Age 30/29- need help with allocation
Replies: 2
Views: 486

Re: Age 30/29- need help with allocation

1) I want to be aggressive at this point in my retirement savings. Looking at 100% stock allocation with 70%US / 30% International. (index funds). Any thoughts/concerns with this? 100% equities at 30 isn't crazy. For comparison, the 2050 and 2055 target date funds from Vanguard and Fidelity are bot...
by quaternion
Mon Jan 22, 2018 12:48 am
Forum: Personal Investments
Topic: TIAA and me again (and Vanguard)
Replies: 16
Views: 1890

Re: TIAA and me again (and Vanguard)

Going off your previous thread, why don't you transfer your 403(b) from your former employer (with poor fund choices) to the 403(b) with your current employer (with good fund choices)?
by quaternion
Sun Jan 14, 2018 10:03 pm
Forum: Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 101
Views: 20806

Re: Fidelity Money Market Funds for everyday expenses

SPRXX looks like Fidelity's highest-yield, taxable, retail MM fund. Not quite as good as Vanguard's prime money market, though.
by quaternion
Fri Jan 12, 2018 5:19 pm
Forum: Personal Investments
Topic: Alternatives to 401K
Replies: 14
Views: 1313

Re: Alternatives to 401K

It looks like the Vanguard institutional funds in the TIAA 403(b) are your best option. These are less expensive than the funds offered through the PERA 401k and probably better than you could do with the brokerage windows at TIAA or the PERA 401k via TDAmeritrade.
by quaternion
Fri Jan 12, 2018 8:57 am
Forum: Personal Consumer Issues
Topic: Men's MUST iron dress shirt recommendations
Replies: 49
Views: 6752

Re: Men's MUST iron dress shirt recommendations

Strong recommendation for the Lands End Hyde Park Supima Oxford. Compared to Brooks Brothers: better quality, lower price, and substantially better customer service. I wore out a several BB OCBDs in ~1 year. Replaced them with LE Hyde Parks, which still look practically new two years later. One poss...
by quaternion
Wed Jan 10, 2018 6:10 pm
Forum: Personal Investments
Topic: TIAA vs Vanguard Index Funds
Replies: 3
Views: 1506

Re: TIAA vs Vanguard Index Funds

TIAA's "Traditional Annuity" and "Real Estate Account" are unique and have arguable merits. Their index funds are surprisingly expensive (and you get nothing for that expense beyond feeding TIAA's inefficient bureaucracy). If you have those Vanguard funds available within your account at TIAA, then ...
by quaternion
Mon Jan 08, 2018 8:18 pm
Forum: Personal Investments
Topic: TIAA real estate (QREARX) versus Vanguard REIT index (
Replies: 9
Views: 4176

Re: TIAA real estate (QREARX) versus Vanguard REIT index (

Valuethinker wrote:
Mon Jan 08, 2018 6:02 pm
From memory the TIAA fund limits itself to 30% gearing.
Actually, TIAA real estate holds about equal quantities of mortgage debt and bonds (presumably for liquidity), so it is effectively unleveraged.
by quaternion
Tue Dec 05, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 26621

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

One thing I just cannot wrap my mind around is what the rough intrinsic value of a bitcoin should be. It is confusing that its price history is so incredibly volatile... One measure would be the cost of the electricity required to mine a bitcoin on current hardware. That is the cost but I don't thi...
by quaternion
Tue Dec 05, 2017 5:08 pm
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 26621

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

happyisland wrote:
Tue Dec 05, 2017 7:04 am
One thing I just cannot wrap my mind around is what the rough intrinsic value of a bitcoin should be. It is confusing that its price history is so incredibly volatile...
One measure would be the cost of the electricity required to mine a bitcoin on current hardware.
by quaternion
Sat Dec 02, 2017 6:10 am
Forum: Investing - Theory, News & General
Topic: bitcoin - is there any real value here or is it a pure Ponzi scam?
Replies: 236
Views: 26621

Re: bitcoin - is there any real value here or is it a pure Ponzi scam?

Bitcoin appears to have some value as a de-centralized transaction processing network if (1) your local currency has severe problems (a la Venezuela, Zimbabwe, etc.) or (2) you want to avoid the scrutiny of authorities who monitor traditional financial transactions. The problem with bitcoin is that ...
by quaternion
Sun Jun 18, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Office Chair
Replies: 15
Views: 2755

Re: Office Chair

I second the recommendation for a used Aeron. There's a good market for used chairs and replacement parts. Plus, the pellicle mesh is easier to clean than typical upholstered cushions.
by quaternion
Thu Feb 16, 2017 3:15 pm
Forum: Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 1132

Re: Help with decision on Fidelity 401k

Some 401ks (the good ones) give you access to institutional share classes that have lower expenses that what you can get in an IRA. From your fund list, it looks like this may be the case in yours, though I can't quite decode the abbreviated names. If so, then it may be best to leave the money in th...
by quaternion
Wed Feb 01, 2017 5:08 pm
Forum: Personal Investments
Topic: Feedback on 403b distribution plan
Replies: 4
Views: 508

Re: Feedback on 403b distribution plan

Check into the details of TIAA Traditional and Real-Estate. These are unique options to TIAA that have some advantages over typical "fixed-income" and real-estate funds. Some TIAA Traditional contracts do have liquidity restrictions, though, so be mindful of that.
by quaternion
Sat Jan 07, 2017 5:40 pm
Forum: Personal Consumer Issues
Topic: VM or Remote Desktop solution for full screen video performance
Replies: 5
Views: 861

Re: VM or Remote Desktop solution for full screen video performance

For remote desktop or similar over-the-network approaches, bandwidth may be a limitation. If you can do a 10gig network, this should handle HD video fine, but may struggle on 4K depending on how good the compression is. If your machine can support multiple video cards, you can "pass-through" these d...
by quaternion
Sat Jul 30, 2016 4:57 pm
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 5167

Re: is this wise? purchasing honda cbr 250r

The only bikes that are below the 2500-3000 range (for the most part) are 90's standards which I am not all that interested in. I can't (won't) base my purchasing decision on the fact that I "will" crash/drop it. Many other posters on this forum have stated they have not dropped their bike in 30 ye...
by quaternion
Thu Jul 28, 2016 2:26 pm
Forum: Personal Consumer Issues
Topic: is this wise? purchasing honda cbr 250r
Replies: 59
Views: 5167

Re: is this wise? purchasing honda cbr 250r

First, I concur with the suggestion to take an MSF riding course. It's a great introduction and will also take care of the licensing test for you. 250cc is perfect for a commuter. I rode a '95 Honda CB250 for most of grad school. Great around town, 70MPG, but not good for the highway. The CB250 was ...
by quaternion
Tue Jun 07, 2016 2:26 am
Forum: Personal Consumer Issues
Topic: Suggestion For Plush Socks That Don't Bunch Under The Feet
Replies: 15
Views: 2441

Re: Suggestion For Plush Socks That Don't Bunch Under The Feet

Take a look at "Darn Tough" socks. They make a range of cushion amounts. Plus, they use a machine washable merino-nylon blend that is far more comfortable and pleasant than cotton.
by quaternion
Mon May 16, 2016 2:08 am
Forum: Personal Consumer Issues
Topic: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?
Replies: 33
Views: 3341

Re: Will it hurt my desktop pc if I have it sleep when not in use for 5 minutes?

If you have a mechanical hard disk, then increased power cycles (spin up, spin down) might increase the risk of early failure. Will your particular drive fail before obsolescence? Who knows... (corollary, always back up!) This should be less of an issue for laptop (2.5 inch) hard drives as those are...
by quaternion
Sat May 14, 2016 3:52 am
Forum: Personal Investments
Topic: Help with my TIAA retirement plan
Replies: 5
Views: 1561

Re: Help with my TIAA retirement plan

What makes TIAA Access S&P 500 Index Fund better than TIAA Access Large-Cap Growth Index Fund. The Growth index focuses on a particular style of stocks, "Growth" stocks (obviously enough). The 500 index is just the 500 largest stocks and better approximates the market as a whole. Here are a couple ...
by quaternion
Thu May 12, 2016 11:09 pm
Forum: Personal Consumer Issues
Topic: Endorsement: Henckels knives
Replies: 32
Views: 5329

Re: Endorsement: Henckels knives

Indeed, good service from Henckels. IMHO, however, for most uses, Japanese knives are superior to the German options.. The Japanese knives use harder steels that get sharper and keep an edge longer, and they are lighter (meaning more nimble), too. Rockwell hardness for Japanese steels (e.g., VG-10) ...
by quaternion
Wed May 11, 2016 3:20 am
Forum: Personal Investments
Topic: Is it worth switching from actively managed to index funds, given cap gains impact?
Replies: 13
Views: 1814

Re: Is it worth switching from actively managed to index funds, given cap gains impact?

You need to add the extra tax costs of the active fund, A good point that realized capital gains and non-qualified dividends raise the cost of owning the active fund. and multiply by the holding period; paying a 10% tax on the capital gain to save 1% per year for 10 years is break-even. That method...
by quaternion
Mon May 09, 2016 2:21 am
Forum: Personal Investments
Topic: Is it worth switching from actively managed to index funds, given cap gains impact?
Replies: 13
Views: 1814

Re: Is it worth switching from actively managed to index funds, given cap gains impact?

In response to the suggestion to look at taxes from cap gains vs savings in fees... Is this a valid way to think about it, considering that he will have to pay cap gains tax sometime anyway? It's probably difficult to determine if/when he will sell to support retirement needs. However, even if he n...
by quaternion
Sun May 08, 2016 11:08 pm
Forum: Personal Investments
Topic: Is it worth switching from actively managed to index funds, given cap gains impact?
Replies: 13
Views: 1814

Re: Is it worth switching from actively managed to index funds, given cap gains impact?

A quick and dirty estimate: Is what your father expects to earn on the portion of the investments that would be due in capital gains tax more or less than the amount he would save on expenses in an index fund? (Is what he's earning from Uncle Sam's share enough to pay the higher expenses?) Mathemati...
by quaternion
Sun May 08, 2016 10:38 pm
Forum: Personal Investments
Topic: Help with my TIAA retirement plan
Replies: 5
Views: 1561

Re: Help with my TIAA retirement plan

Your choices seem pretty reasonable. Some comments: As already suggested, use " TIAA Access S&P 500 Index Fund" instead of "TIAA Access Large-Cap Growth Index Fund" A little in "TIAA Access Small-Cap Blend Index Fund" would bring you closer to approximating the total stock market. Your fixed income ...
by quaternion
Wed May 04, 2016 11:57 pm
Forum: Personal Investments
Topic: Fidelity or Vanguard
Replies: 93
Views: 13350

Re: Fidelity or Vanguard

IMHO, both Fidelity and Vanguard offer good products at comparable cost, and one can do well with either company. I keep accounts with both of them. Here is my take on their relative advantages: Pro Vanguard: If you need hand-holding, Vanguard staff will encourage low-cost investing, while Fidelity ...
by quaternion
Sun May 01, 2016 5:25 am
Forum: Personal Consumer Issues
Topic: Dress Pants
Replies: 13
Views: 2536

Re: Dress Pants

Lands' End is often an excellent value, especially if you can wait till their one of their 30-50% off sales rolls around (40-50% is usually holiday sales, 30% is pretty frequent). I imagine Lands' End is able to offer better value due to lower overhead (sounds familiar...) from being mail-order only...
by quaternion
Mon Apr 25, 2016 6:50 pm
Forum: Personal Investments
Topic: Least bad Tiaa-Cref option
Replies: 10
Views: 1251

Re: Least bad Tiaa-Cref option

TIAA offers a couple of unique options that are hard to duplicate elsewhere: TIAA Real Estate offers direct real-estate ownership and has in the past been much more stable that REITs. The listed ~.87% expense ratio is not a fair comparison with REITs since REITs have "hidden" expenses within the man...