Search found 2420 matches

by telemark
Wed May 22, 2019 8:43 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 3742
Views: 1078256

Re: What Book Are You Currently Reading? Part VI

I'm reading Kipling, from Project Gutenberg. Plain Tales from the Hills is exactly that, stories of the hill and plains country of India, plainly told. If you happen to be writing a textbook or manual on writing style, this would be an excellent source to mine for examples, from the proper use of me...
by telemark
Mon May 20, 2019 3:03 pm
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 5526

Re: Lies, Damned Lies, And Index Funds

I know in other threads folks have complaining about Vanguard nudges to ETFs, etc. At least in the Vanguard case their nudges are almost exclusively to lower cost options. I have accounts at both Fidelity and Vanguard. Exactly one of them is constantly pushing me to do things I have no interest in ...
by telemark
Tue May 14, 2019 10:53 pm
Forum: Personal Consumer Issues
Topic: Is there a mp3DirectCut but for .m4a audio files?
Replies: 10
Views: 812

Re: Is there a mp3DirectCut but for .m4a audio files?

It appears that Audacity can do that. You can download a Windows executable from

https://www.audacityteam.org/download/windows/
by telemark
Tue May 14, 2019 8:28 pm
Forum: Personal Finance (Not Investing)
Topic: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?
Replies: 58
Views: 4013

Re: I really do not like using credit cards. Do any of you have a good credit score with no credit cards?

For what it's worth, I lived quite happily for decades without using a credit card: I simply never felt the need. The one card I did have was eventually cancelled because I wasn't using it. At one point I got turned down for something, I no longer remember what, and got a copy of my credit score. So...
by telemark
Sat May 11, 2019 11:47 pm
Forum: Personal Investments
Topic: Lower risk is in my plan but I just can't!
Replies: 51
Views: 3879

Re: Lower risk is in my plan but I just can't!

I was at 60/40 for a long time, planned to move to 50/50, but when the time came to pull the trigger it seemed like a scary amount of money to move all at once. So I did 55/45 instead, and went to 50/50 about a year later.
by telemark
Thu May 02, 2019 12:15 am
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 9264

Re: Series I Savings Bonds Buying Opportunity

I bought my 2019 I Bond allocation in March. I just hope the Treasury is just as generous in the November rate reset, to give me a chance at a great rate in January. This is exactly why the Treasury can afford to be generous (if they even think of it that way, and I have no evidence on either side ...
by telemark
Mon Apr 29, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: save on interest by paying down mortgage principal
Replies: 68
Views: 5996

Re: save on interest by paying down mortgage principal

scrabbler1 wrote:
Sun Apr 28, 2019 11:21 pm
Back in the 1990s, I paid off large chunks of principal on my mortgage. ...
I did that also. But mortgage interest rates are ridiculously low now, compared to what they were in the 1990s.
by telemark
Sun Apr 28, 2019 8:19 pm
Forum: Personal Consumer Issues
Topic: Man’s life savings stolen from hijacked cellphone number
Replies: 180
Views: 15675

Re: Man’s life savings stolen from hijacked cellphone number

Two-factor authentication, even using SMS, is still significantly more secure than not using two-factor authentication at all. Im sad to say, this isnt necessarily true. 2FA is the second authentication factor, so the important question is: how did the attacker get the password? ... The article men...
by telemark
Fri Apr 26, 2019 11:03 pm
Forum: Personal Consumer Issues
Topic: replacement for Airport Express for music
Replies: 19
Views: 1039

Re: replacement for Airport Express for music

The Airport Express uses an Apple protocol called AirPlay. For a DIY project, you can set up a Raspberry Pi to do the same thing: see https://pimylifeup.com/raspberry-pi-airplay-receiver/ https://lifehacker.com/turn-a-raspberry-pi-into-an-airplay-receiver-for-stream-5978594 or just search on Raspber...
by telemark
Thu Apr 25, 2019 1:02 pm
Forum: Personal Investments
Topic: Tax Efficiency and limited Bond funds in 401k
Replies: 6
Views: 348

Re: Tax Efficiency and limited Bond funds in 401k

JCBUX looks at first glace like a fine fund to me. 0.3% is really NBD. Good credit quality, intermediate duration. It actually looks almost identical to Vanguard Total Bond Index except the ER. I agree, and if you are that close to retirement you will soon have the option of rolling into an IRA wit...
by telemark
Mon Apr 22, 2019 11:19 am
Forum: Personal Consumer Issues
Topic: Which WAP to replace Airport Extreme - please no mesh recommendations
Replies: 116
Views: 5028

Re: Which WAP to replace Airport Extreme - please no mesh recommendations

At the risk of being tedious, I don't understand why you are running into double NAT with the Airport Extremes. Assuming that you have another router connected to FIOS, none of the Extremes should be doing NAT at all. In Airport Utility, under the Network tab, the router mode should be set to Off (B...
by telemark
Sat Apr 20, 2019 1:49 pm
Forum: Investing - Theory, News & General
Topic: Efficient Markets Indeed
Replies: 48
Views: 3871

Re: Efficient Markets Indeed

If that's the Zoom I'm thinking of, they made some good modems back in the day. An example of the ideosyncratic risk of concentrating in single stocks.
by telemark
Fri Apr 19, 2019 2:14 pm
Forum: Personal Consumer Issues
Topic: Updating to MacOS Mojave on an old mac Mini
Replies: 8
Views: 1021

Re: Updating to MacOS Mojave on an old mac Mini

According to Apple, only Minis introduced in "late 2012" or later are compatible with Mojave. You may need to check the exact release date on yours.

https://support.apple.com/en-us/HT201475
by telemark
Fri Apr 19, 2019 12:42 pm
Forum: Investing - Theory, News & General
Topic: This could be the biggest risk that retirees face?
Replies: 117
Views: 8492

Re: This could be the biggest risk that retirees face?

Kenkat wrote:
Thu Apr 18, 2019 8:05 pm
Dying young does not seem like a good risk mitigation strategy.
You could always worry yourself to death, reading Marketwatch articles.
by telemark
Fri Apr 19, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Air Purifier for Bedroom?
Replies: 14
Views: 1002

Re: Air Purifier for Bedroom?

Is there a certain place to put it? On my floor? next to bed? As close to your bed as you can reasonably get, and close the doors to your bedroom at night. If the problem is only dust and particles, a simple HEPA filter would do the job, and I would start there. The problem with any purifier is tha...
by telemark
Tue Apr 16, 2019 7:43 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

How to Train Your Dragon: The Hidden World

Much better than the reviews had led me to expect. I saw it in 2D, but many scenes were obviously intended to look good in 3D. Contains scenes of dragon courtship.
by telemark
Tue Apr 16, 2019 11:08 am
Forum: Personal Investments
Topic: Roth IRA forcing bad asset allocation
Replies: 8
Views: 706

Re: Roth IRA forcing bad asset allocation

You do realize that you can exchange assets within your Roth IRA at any time with no tax consequences? Just because it currently contains only bonds and REIT does not mean that you have to keep it that way. First decide on your overall asset allocation - let's say 50% total stock, 30% total interna...
by telemark
Tue Apr 16, 2019 10:44 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12014

Re: What Are Your Simple Pleasures?

smitcat wrote:
Tue Apr 16, 2019 10:39 am
TheTimeLord wrote:
Tue Apr 16, 2019 10:32 am
telemark wrote:
Tue Apr 16, 2019 10:29 am
Shark wheels with Zealous bearings on my Penny Nickel.
Are you just randomly stringing words together?
Skateboard....
The Penny wheels and bearings are perfectly good, but the Shark wheels handle rocks and debris much better, and I prefer built-in bearings.
by telemark
Tue Apr 16, 2019 10:29 am
Forum: Personal Consumer Issues
Topic: What Are Your Simple Pleasures?
Replies: 145
Views: 12014

Re: What Are Your Simple Pleasures?

Shark wheels with Zealous bearings on my Penny Nickel.
by telemark
Sun Apr 14, 2019 4:18 pm
Forum: Personal Consumer Issues
Topic: Park City Utah Hiking
Replies: 23
Views: 1383

Re: Park City Utah Hiking

The snow pack is unusually high this year, so you may want to take that into consideration. You might think it would all be gone by late June, and that might be wrong. I suggest having several possibilities in mind, and choosing on the basis of the weather that day.
by telemark
Sat Apr 13, 2019 10:11 am
Forum: Personal Consumer Issues
Topic: Need a new microwave
Replies: 29
Views: 1907

Re: Need a new microwave

There is an XKCD entry on common microwaving problems, and why all ovens have hot and cold spots.

https://what-if.xkcd.com/131/

Why don't the Wirecutter and similar sites test their microwave ovens with appalams?
by telemark
Wed Apr 10, 2019 2:00 pm
Forum: Investing - Theory, News & General
Topic: The Stock Exchange (Project Gutenberg ebook)
Replies: 0
Views: 147

The Stock Exchange (Project Gutenberg ebook)

For anyone who might be interested in 1913 books about the stock exchange: In accordance with the scope of the series of Books on Business, of which this little work forms an item, its main object is to explain to the unversed in simple terms the somewhat complicated machinery of the Stock Exchange....
by telemark
Sun Apr 07, 2019 2:54 pm
Forum: Personal Consumer Issues
Topic: Need a new microwave
Replies: 29
Views: 1907

Re: Need a new microwave

Look for a microwave (or Faraday box) with inverter technology. Internet explanation of how they work: A microwave with inverter technology relies on inverters as the main power supply instead of magnetic coils or transformers. Inverter technology operates steadily at 50% power throughout the cook ...
by telemark
Sun Apr 07, 2019 2:06 pm
Forum: Personal Finance (Not Investing)
Topic: Is it bad to have nothing in taxable when you retire?
Replies: 62
Views: 6781

Re: Is it bad to have nothing in taxable when you retire?

Another issue is that it seems to limit your ability to buy annuities. If your money is in a tax deferred account you would presumably have to withdraw the full cost of the annuity plus enough more to pay the additional taxes on the withdrawal, which may put you into a higher bracket. Or perhaps yo...
by telemark
Sun Apr 07, 2019 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is it bad to have nothing in taxable when you retire?
Replies: 62
Views: 6781

Re: Is it bad to have nothing in taxable when you retire?

Another issue is that it seems to limit your ability to buy annuities. If your money is in a tax deferred account you would presumably have to withdraw the full cost of the annuity plus enough more to pay the additional taxes on the withdrawal, which may put you into a higher bracket. Or perhaps you...
by telemark
Sat Apr 06, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Expected Vs. Realized Returns
Replies: 77
Views: 5785

Re: Larry Swedroe: Expected Vs. Realized Returns

Really important to appreciate that estimates represent a mean with associated wide dispersion of potential returns. High current valuations predict for modest future returns. Moreover the whole potential dispersion of future returns shifts left: less good good outcomes and worse bad outcomes. Dave...
by telemark
Sat Apr 06, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 136
Views: 5648

Re: Received a Ransomware email

What's troubling to me, though, is the email contained my correct name and a password (also correct) that I use on a generic site could you share what site? others who have registered there may like to know. Kayak - the travel site. Good to know, thanks! Kayak had a publicized security breach in 20...
by telemark
Sat Apr 06, 2019 10:13 am
Forum: Personal Consumer Issues
Topic: Thinking of selling my financed iPhone XS Max and going back to Android...
Replies: 40
Views: 2518

Re: Thinking of selling my financed iPhone XS Max and going back to Android...

It's a personal decision. I have trouble believing that the Excessivus Maximus offers four times the value of a $300 phone, or six times a $200 phone, but some people think so and who am I to say they're wrong? Depends a lot on what you use it for, and how often. Remember, in a couple of years the n...
by telemark
Fri Apr 05, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Is it bad to have nothing in taxable when you retire?
Replies: 62
Views: 6781

Re: Is it bad to have nothing in taxable when you retire?

If you plan to retire before Medicare age (65), consider the ACA subsidies. To qualify for a subsidy you have to keep your AGI below 400% of the Federal poverty level, currently around $65K for couples. Some money in taxable or Roth gives you more flexibility in dealing with this. I retired at 58 wi...
by telemark
Thu Apr 04, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 2041

Re: French movies on Netflix

There's a pretty good TV mini-series of The Count of Monte Cristo from 1998, with Depardieu in the title role. It was on Netflix a few years ago but isn't there now, but there seem to be parts available on YouTube. Also, Barnes & Noble is advertising a DVD for $29.95, which is probably more than I w...
by telemark
Mon Apr 01, 2019 8:19 am
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 87
Views: 10742

Re: [Retiring before 65: How do you deal with health insurance?]

I am wondering what's the consequence of mistake in managing MAGI while having no earned income (as one is retired from paid work). For example, one signs up for 2018 ACA at the end of 2017, anticipating income from investments/interests/IRA rollover for 2018 to be below 200% FPL. However, at the e...
by telemark
Sun Mar 31, 2019 9:24 pm
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 13108

Re: Folks in their 60s and above. What early investment on health do you recommend.

MD here. In terms of affecting your long term health and statistical longevity, my first rule would be DO NOT SMOKE. No other behavioral decision is likely to have a greater impact than whether of not you choose to use tobacco products. Second would be to get regular exercise and stay near your ide...
by telemark
Sat Mar 30, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: Series I Savings Bonds Buying Opportunity
Replies: 52
Views: 9264

Re: Series I Savings Bonds Buying Opportunity

For those of you that advocate buying i-bonds on the last business day of the month, I am curious where everyone parks their money while they are waiting? In my case, it is coming from my paychecks, which are automatically deposited in my WF free checking account, which presently earns pennies of i...
by telemark
Sat Mar 30, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4113

Re: TVs: OLED vs. QLED

Somehow I think anyone who grew up with tube-TVs may have a hard time thinking anything beyond regular HD 1080P is more than anyone would need. (I'm still looking in wonder at my good old 52 inch Sony LCD HD tv from 10 years ago). I can appreciate things like OLED, but it's not something I would re...
by telemark
Fri Mar 29, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: alaska cruise
Replies: 14
Views: 1962

Re: alaska cruise

I did the helicopter flight to a glacier and it was amazing, both the glacier itself and the flight. I remember thinking "look at the moss on those rocks" and then realizing that I was looking at pine trees. But I can also understand not being comfortable with the flight: you're suspended in what fe...
by telemark
Thu Mar 28, 2019 3:23 pm
Forum: Personal Consumer Issues
Topic: Wild Planet Sardines quality problem [Review of sardine brands]
Replies: 31
Views: 3357

Re: Wild Planet Sardines quality problem [Review of sardine brands]

In a sandwich, wrapped in freshly baked whole wheat bread.
by telemark
Tue Mar 26, 2019 6:06 pm
Forum: Personal Investments
Topic: How do you rebalance across Roth and Traditional Acounts?
Replies: 29
Views: 1898

Re: How do you rebalance across Roth and Traditional Acounts?

Note that this articles make the distinction between tax and tax-sheltered, what further complicates things Not really. The general principle is that asset classes are, for the most part, fungible between different types of accounts. As a general principle it applies to various specific situations,...
by telemark
Tue Mar 26, 2019 4:44 pm
Forum: Personal Consumer Issues
Topic: TVs: OLED vs. QLED
Replies: 52
Views: 4113

Re: TVs: OLED vs. QLED

adamthesmythe wrote:
Tue Mar 26, 2019 11:25 am
Ketawa wrote:
Tue Mar 26, 2019 10:26 am
adamthesmythe wrote:
Tue Mar 26, 2019 10:17 am
QLED is better but OLED is cheaper.
This is backwards.
Oopsle. I had it right in the last sentence though.

It's important to mind your Ps and Qs, and also Os.
The QLED name almost seems deliberately chosen to invite confusion. Purely an accident, I'm sure :)
by telemark
Tue Mar 26, 2019 4:28 pm
Forum: Personal Investments
Topic: How do you rebalance across Roth and Traditional Acounts?
Replies: 29
Views: 1898

Re: How do you rebalance across Roth and Traditional Acounts?

As mentioned in the wiki, there is an argument that it doesn't matter because you will be rebalancing on withdrawals anyway: Do Your Asset Classes Care Where They Are? . Note that not everyone agrees on this, and Dr. Bernstein includes an opposing view. Personally, I treat Social Security as (possib...
by telemark
Mon Mar 25, 2019 11:31 am
Forum: Personal Consumer Issues
Topic: Nice men's jeans
Replies: 53
Views: 3312

Re: Nice men's jeans

gtg970g wrote:
Mon Mar 25, 2019 10:06 am
My Costco only carries even number waist sizes and unfortunately I fall between two of the sizes.
As does approximately half the customer population. You'd think there would be a store somewhere that only carries odd sizes...
by telemark
Sun Mar 24, 2019 10:26 pm
Forum: Personal Finance (Not Investing)
Topic: [Retiring before 65: How do you deal with health insurance?]
Replies: 87
Views: 10742

Re: [Retiring before 65: How do you deal with health insurance?]

The cost for ACA plans is going to depend on where you live, but you can browse current plans in your area at the healthcare.gov site without needing to create an account. I'm paying about $600/month for a bronze plan, and the ACA subsidy covers most of that.
by telemark
Sun Mar 24, 2019 10:22 pm
Forum: Personal Consumer Issues
Topic: Anyone disenchanted with retirement?
Replies: 217
Views: 32105

Re: Anyone disenchanted with retirement?

No regrets at all. While I was still working I would get upset at the mess the junior programmers were making out of my beautiful code, but now I don't have to look at it any more. There was one big surprise: my life changed much less than I thought it would, and in hindsight the answer is perfectly...
by telemark
Sat Mar 23, 2019 3:44 pm
Forum: Personal Consumer Issues
Topic: Anybody tempted by the new iPads?
Replies: 37
Views: 3131

Re: Anybody tempted by the new iPads?

my old nexus 7 was my favorite device ever. I might get whatever competes with the mini, if there is anything. i thought this kind of device went extinct basically. I'm still using my 2013 Nexus 7. It's a good size for reading ebooks. You might take a look at the new 7-inch Nook. I haven't tried it...
by telemark
Tue Mar 19, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 88
Views: 9364

Re: Is technical analysis all smoke and mirrors?

My favorite explanation of technical analysis:

Image

Source: https://www.gocomics.com/frazz/2009/09/20
by telemark
Sun Mar 17, 2019 8:52 pm
Forum: Personal Investments
Topic: Vanguard: "Your Account Needs to be Transitioned"
Replies: 27
Views: 4601

Re: Vanguard: "Your Account Needs to be Transitioned"

This is a new and peculiar use of the word need, meaning roughly that Vanguard really really wants all its customers to use brokerage accounts. I have been ignoring this for several years now, with no consequences other than having to click through yet another plea when I sign in.
by telemark
Sun Mar 17, 2019 7:22 pm
Forum: Investing - Theory, News & General
Topic: The Power of Not Caring
Replies: 61
Views: 6490

Re: The Power of Not Caring

I'm in the middle of reading Mary Shelley's novel Frankenstein. The creature desparately wants human contact and acceptance, and it's hard to miss that his failures occur precisely because he wants it so much that the idea of failure is unbearable to him. But he had the misfortune to run across "The...
by telemark
Sat Mar 16, 2019 1:02 am
Forum: Personal Consumer Issues
Topic: End of Support Chromebook
Replies: 54
Views: 3769

Re: End of Support Chromebook

I have a Samsung Chromebook I bought in 2012. I just powered it up and it started receiving updates. Pull up Settings, use the menu in the top left corner, and choose About Chrome OS.

P.S. Mine just finished, and under Detailed Build Information it shows a build date of January 11, 2019.
by telemark
Wed Mar 13, 2019 8:20 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4469
Views: 1154991

Re: What Movie Have You Recently Watched?

King Solomon's Mines , on Turner Classic Movie (TCM) channel. This is an adventure film shot in Africa, hunter Allan Quartermain guides a brother and sister searching for her missing husband. This 1950 movie stars Stewart Granger and Deborah Kerr. The Quatermain books are worth reading. H. Rider Ha...
by telemark
Wed Mar 13, 2019 2:52 am
Forum: Personal Consumer Issues
Topic: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?
Replies: 179
Views: 13411

Re: Button Down Shirts / Travel Pants / Light Jacket? Other Tips from experienced Boglehead world travelers?

Look into an elastic traveling clothesline. Great tip! Why "elastic"? The one I own (I wish I could find a brand or link) can stretch and has hooks on either end, so regardless of the geometry of the space in which you are living, you can usually find a place to hang it that works. By elastic, I me...