Search found 2014 matches

by telemark
Sat Oct 21, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: "Trading Sinks, Stoking Fears"
Replies: 4
Views: 566

Re: "Trading Sinks, Stoking Fears"

It's a problem for brokers who work on commission.
by telemark
Sat Oct 21, 2017 6:57 am
Forum: Investing - Theory, News & General
Topic: Shiller: the 1987 stock market panic can happen again
Replies: 29
Views: 2485

Re: Shiller: the 1987 stock market panic can happen again

Human nature has not changed, so we are still subject to irrational panics. The good thing about irrational panics is that recovery can also be fairly rapid. It's the rational panics I would worry about.
by telemark
Fri Oct 20, 2017 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with old 401K
Replies: 10
Views: 796

Re: What to do with old 401K

The second advisor recommended me to roll the 401K money into an IRA, then convert it to a Roth. I would pay taxes and the 10% fee on it now, but the total I would pay for taxes and fees now was calculated out to be less than I would pay in taxes on the total return of being in an IRA. That seems u...
by telemark
Fri Oct 20, 2017 11:33 am
Forum: Investing - Help with Personal Investments
Topic: Looming Retirement & Market Jitters
Replies: 46
Views: 3688

Re: Looming Retirement & Market Jitters

I'm 58, looking at retiring next year or in 2019. I'm currently 60% in stocks but am thinking about changing to 55/45 or 50/50. Recent market performance has put me ahead of where I expected to be, and this is starting to look like risk I don't need to take.
by telemark
Thu Oct 19, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: idiot proof router?
Replies: 21
Views: 1492

Re: idiot proof router?

You might look at the Almond series from Securifi, https://www.securifi.com/. I put one of the earlier models in a relative's apartment and it's been trouble free.
by telemark
Thu Oct 19, 2017 11:59 am
Forum: Personal Consumer Issues
Topic: How many miles/years do you keep your car?
Replies: 108
Views: 6998

Re: How many miles/years do you keep your car?

I replace my car when it's no longer usable, or when taking most of a year's 401K contribution and putting it into a depreciating asset seems like something I would want to do. Still waiting on that second one.
by telemark
Thu Oct 19, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Where to buy athletic socks and boxers online?
Replies: 12
Views: 1830

Re: Where to buy athletic socks and boxers online?

I like tjmaxx or marshalls for socks but generally buy exofficio boxer briefs online. However, for the price, I think exofficio's quality has gone way, way down. I'm searching for an alternative. The waistband elastic has a very short life Same issue here, I've switched to Under Armor's 6" boxerjoc...
by telemark
Tue Oct 17, 2017 12:26 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 61
Views: 5295

Re: WPA2 protocol used by vast majority of wifi connections has been broken

It's an evolving point. See, for example, this information from IBM which first said either (for "this attack") and then was changed to both (for "these attacks"): https://security.stackexchange.com/a/171405 I think it depends on the specific type of attack. For the 4-way handshake specifically, yo...
by telemark
Tue Oct 17, 2017 11:33 am
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 68
Views: 6912

Re: Vanguard expects "decent sized correction" soon

asif408 wrote:
Tue Oct 17, 2017 10:48 am
Maybe we should collect all of the clickbait MarketWatch puts out annually, though I think that would be a tall order, considering how much they put out.
We're gonna need a bigger hard drive...
by telemark
Tue Oct 17, 2017 11:06 am
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 61
Views: 5295

Re: WPA2 protocol used by vast majority of wifi connections has been broken

If either the client device or the router is fixed, then the hack won't work Do you have a reference that says fixing the router will protect client devices? I've been reading as much as I can find and haven't been able to find a definite statement one way or the other. For example, as far as I can...
by telemark
Mon Oct 16, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 61
Views: 5295

Re: WPA2 protocol used by vast majority of wifi connections has been broken

This makes no sense: On further reading I think it's just unclearly worded. Rather than saying the flaw "is in" the standard, I would say that the attack exploits a feature of the standard, so that many implementations are vulnerable, but that existing implementations can be modified to mitigate th...
by telemark
Mon Oct 16, 2017 12:20 pm
Forum: Personal Consumer Issues
Topic: WPA2 protocol used by vast majority of wifi connections has been broken
Replies: 61
Views: 5295

Re: WPA2 protocol used by vast majority of wifi connections has been broken

This makes no sense: The weaknesses are in the Wi-Fi standard itself, and not in individual products or implementations. Therefore, any correct implementation of WPA2 is likely affected. To prevent the attack, users must update affected products as soon as security updates become available. If the p...
by telemark
Fri Oct 13, 2017 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays increases interest rate
Replies: 14
Views: 2622

Re: Barclays increases interest rate

I just looked and American Express Savings is up to 1.25. I'd assumed they would email me when this happened, but they're surprisingly reticent.
by telemark
Fri Oct 13, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Reverse Osmosis Systems for Kitchen Sink
Replies: 22
Views: 956

Re: Reverse Osmosis Systems for Kitchen Sink

Is there any objective, science-based evidence that (otherwise safe) such well water causes kidney stones? How much calcium can there be in such well water? [I grew up on a farm and drank "hard" well water until I left about the age of 20 or so] How about this one? https://www.ncbi.nlm.nih.gov/pubm...
by telemark
Tue Oct 10, 2017 5:31 pm
Forum: Personal Consumer Issues
Topic: Best weight loss resources?
Replies: 54
Views: 2325

Re: Best weight loss resources?

The best diet, like the best investment plan, is the one you will actually follow. The best exercise program is the one you will actually do. Everything else is negotiable.
by telemark
Tue Oct 10, 2017 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: Growing old without kids or younger caring relatives
Replies: 103
Views: 17956

Re: Growing old without kids or younger caring relatives

Excellent topic for conversation. I have 2 kids so not worried as at least one will like us enough to help out. The issue is my wife and my siblings. We have 3 total and all 3 are single and older then us. Only one is that close with our kids. So don't think I will expect our kids to help at all ta...
by telemark
Tue Oct 10, 2017 9:50 am
Forum: Personal Consumer Issues
Topic: When to buy new tires? - penny or quarter test
Replies: 35
Views: 2196

Re: When to buy new tires? - penny or quarter test

I think it is also worth mentioning here that uneven tire wear is a frequent reason tire stores recommend replacement. They go by the shallowest point of tread on the tire. The biggest reasons for uneven tire wear is improper tire pressure and (IMO) bad alignment or worn out suspension components. ...
by telemark
Mon Oct 09, 2017 9:54 am
Forum: Investing - Help with Personal Investments
Topic: Worth moving existing i401k from Vanguard elsewhere?
Replies: 9
Views: 533

Re: Worth moving existing i401k from Vanguard elsewhere?

10 basis points is at worst a small mistake. This is noise level stuff.
by telemark
Sat Oct 07, 2017 9:51 pm
Forum: Investing - Theory, News & General
Topic: VFITX, VBIIX or VBMFX for Swensen portfolio?
Replies: 5
Views: 581

Re: VFITX, VBIIX or VBMFX for Swensen portfolio?

Best is a slippery term, but at least in his book, Swensen argues in favor of pure treasuries. As I recall it, he thinks other kinds of bonds don't compensate you properly for the additional risk they expose you to. On the other hand, Bogle criticizes Total Bond for having too many treasuries in it,...
by telemark
Fri Oct 06, 2017 3:11 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 141
Views: 15536

Re: Bogle himself is saying we will expect like 3% for the next decades

I haven't watched the video but I imagine he's using the word expect in a very precise way, referring to the average of all possible outcomes after weighting them by their probabilities: this is very different from how the word is normally used outside of finance. In practice the expected return is ...
by telemark
Thu Oct 05, 2017 5:28 pm
Forum: Personal Finance (Not Investing)
Topic: Negotiating merit scholarships
Replies: 32
Views: 2037

Re: Negotiating merit scholarships

$12,300 for room and board? In Tucson? Maybe I'm out of touch, but I would explore ways to spend less on that.
by telemark
Wed Oct 04, 2017 5:06 pm
Forum: Investing - Help with Personal Investments
Topic: Only bond fund in 401K is Pimco Total Return. Buy?
Replies: 15
Views: 654

Re: Only bond fund in 401K is Pimco Total Return. Buy?

I can add more bonds to my old 401K by selling stock and putting it into an index bond fund (which is not doing as well). Personally, I would do that instead, but PTTRX is a decent choice also. It depends how much you hate expense ratios vs. rebalancing across multiple accounts. The former manager,...
by telemark
Wed Oct 04, 2017 12:41 pm
Forum: Investing - Theory, News & General
Topic: Does anyone hold cash?
Replies: 58
Views: 5582

Re: Does anyone hold cash?

I just read an article about short-term investing. There's the thing. What is it that it is, this short-term investing? Does the author mean the same thing by it that you do? When I invest, it's always for the long term. If I have a specific short-term goal, say I want to buy a new Mazda when the 2...
by telemark
Wed Oct 04, 2017 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9238

Re: Senior citizens can lose everything to this growing scam

And yes, "scam" wasn't the correct word, where someone is tricked into something due to lack of care or understanding, etc. This apparently was done through the legal system! :confused RM A scam involves fooling people or, more usually, convincing people to fool themselves. In the cases described, ...
by telemark
Mon Oct 02, 2017 11:24 am
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4688

Re: Comfort level re: tracking at physical shopping centers

When I'm stuck in a store waiting for someone else to finish shopping, I amuse myself by counting the security cameras. Of course, some of them may be fake.
by telemark
Sun Oct 01, 2017 11:21 am
Forum: Personal Consumer Issues
Topic: a $2000 pizza
Replies: 19
Views: 1790

Re: a $2000 pizza

One Christmas when I was young the family dog ate all the tinsel around the bottom of the tree, as high as she could reach. That spring after the snow melted the yard had glitter everywhere.
by telemark
Sun Oct 01, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 2743

Re: Amazon Fresh & the value of your time

I suppose I could work 100 hours/week and hire everything else out, to maximize the financial value of my time. But I really don't want to do that. I've been homebound following surgery a few times and a delivery service would have been helpful then, but I got through thanks to friends and a well-st...
by telemark
Sat Sep 30, 2017 2:31 pm
Forum: Investing - Theory, News & General
Topic: REIT Magazine
Replies: 14
Views: 2159

Re: REIT Magazine

Glad we could help. :)
by telemark
Sat Sep 30, 2017 2:28 pm
Forum: Investing - Help with Personal Investments
Topic: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)
Replies: 29
Views: 1337

Re: My dad recently passed away and I need help with mom's IRA diversification (23.9% in a single stock)

I remember having coffee with a retired guy a few years ago. He was trying to interest me in taking singing lessons, and he needed the money because a lot of his portfolio was in BP. In your mother's case CVX could go to zero and she would still have something like 4 million left, but it's still mor...
by telemark
Fri Sep 29, 2017 11:37 am
Forum: Personal Consumer Issues
Topic: Should I get a New Macbook Pro?
Replies: 47
Views: 3956

Re: Should I get a New Mac or Macbookpro?

If you're worried about the hard drive you can check its S.M.A.R.T. status in Disk Utility. That should give you at least a little warning before it goes blooey.
by telemark
Fri Sep 29, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6179

Re: Which is better a Cryptocurrency or Gold?

Not sure where the word worthless is coming from, talking crisis not end of the world stuff I was extrapolating from words like crisis and plummet. But if we assume a nice civilized crisis, with a leisurely plummet that allows everything to go on working much as before, then transacting in Bitcoin ...
by telemark
Thu Sep 28, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6179

Re: Which is better a Cryptocurrency or Gold?

"Which is better a Cryptocurrency or Gold?" Better for what? Medium of exchange? Store of value? Investment to produce growth or return? Opportunity for speculation? In each of those cases there are strong competitors challenging both Cryptocurrency and Gold. Perhaps, once again, diversity is he ke...
by telemark
Thu Sep 28, 2017 10:27 am
Forum: Investing - Theory, News & General
Topic: Which is better a Cryptocurrency or Gold?
Replies: 99
Views: 6179

Re: Which is better a Cryptocurrency or Gold?

DVDs are digital, you know. CDs too. :wink:
by telemark
Wed Sep 27, 2017 7:52 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4688

Re: Comfort level re: tracking at physical shopping centers

There apparently are Farraday Cage pouches one can use to block signals. I found a few articles on how to make a homemade one. They don't have to look bad. You can buy them as well. How's this for the name of a product (which actually exists): Faraday Cage EMP Privacy Bag. :shock: Yup. Gotta get re...
by telemark
Wed Sep 27, 2017 5:28 pm
Forum: Personal Consumer Issues
Topic: Comfort level re: tracking at physical shopping centers
Replies: 52
Views: 4688

Re: Comfort level re: tracking at physical shopping centers

Or you can use their WIFI - as long as you protect your privacy with a VPN connection. One way to do this is to setup your home router so that you can VPN into it. Once your using a secure VPN connection - their network can no longer track you. They track your location by pinging the wifi on your p...
by telemark
Wed Sep 27, 2017 9:49 am
Forum: Investing - Help with Personal Investments
Topic: I'm shocked! [Mother 100% in bonds and annuities]
Replies: 67
Views: 6445

Re: I'm shocked!

I had a similar reaction after my father died and I first got a look at my mother's investments, which are even more conservative. But they make sense for her situation, as I eventually realized.

You should also look into making a will, naming beneficiaries, and estate planning in general.
by telemark
Mon Sep 25, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: BH phone review: Moto G5 Plus
Replies: 35
Views: 3001

Re: BH phone review: Moto G5 Plus

That little divot on the front would be the fingerprint sensor, which can also recognise simple gestures.
by telemark
Sun Sep 24, 2017 10:15 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 54
Views: 3757

Re: Thoughts on Barefoot/Minimalist Running

I don't run and this is probably not something you will want to try, but the best exercise I've found for foot strength, bar none, is skateboarding Barefoot skateboarding or wearing skateboarding shoes? :D I've tried a little barefoot skateboarding and being able to grab the edge of the board with ...
by telemark
Sun Sep 24, 2017 10:09 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3019
Views: 885019

Re: What Movie Have You Recently Watched?

Nausicaa of the Valley of the Wind, a Miyazaki film from 1982. I had not seen this one before and it's much darker than I expected. Not suitable for small children, in my opinion, and some of the ones in the audience were visibly upset. Still, it has a happy ending. Repeat showings this Monday and W...
by telemark
Sat Sep 23, 2017 8:46 pm
Forum: Personal Consumer Issues
Topic: Thoughts on Barefoot/Minimalist Running
Replies: 54
Views: 3757

Re: Thoughts on Barefoot/Minimalist Running

I don't run and this is probably not something you will want to try, but the best exercise I've found for foot strength, bar none, is skateboarding--and as an amateur dancer I've tried a lot of things. In your place I'd probably take a theraband and just experiment until I found something that addre...
by telemark
Fri Sep 22, 2017 7:10 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8706

Re: VG wants everyone to transfer to a brokerage account?

I don't need an elephant, so I prefer to keep the nickel. :wink:
by telemark
Fri Sep 22, 2017 6:48 pm
Forum: Personal Consumer Issues
Topic: Experian will give you your pin on-line!
Replies: 9
Views: 1485

Re: Experian will give you your pin on-line!

Shortly before the breach I tried to sign up for a Social Security account online and went through a similar set of questions; it seems Equifax is handling the verification. I failed twice before giving up, because none of the questions were even close to fitting. Things like "choose the make of car...
by telemark
Fri Sep 22, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 95
Views: 8706

Re: VG wants everyone to transfer to a brokerage account?

Vanguard has been gradually rolling this out since 2013 or perhaps earlier. My turn came last spring, and so far I've just been ignoring it, because if I wanted a brokerage account I would have opened one in the first place. It's optional if you don't mind the nagging. But lots of people have conver...
by telemark
Thu Sep 21, 2017 12:26 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund
Replies: 27
Views: 1980

Re: Stable value fund

One other point is that interest rates for stable value funds tends to track interests rates generally, with some lag. So if interests rise in the future that should eventually be reflected in your stable value fund, but without the loss of NAV you would see in a bond fund.
by telemark
Wed Sep 20, 2017 11:07 am
Forum: Investing - Help with Personal Investments
Topic: When bitcoin splits, is that like a stock splitting?
Replies: 4
Views: 388

Re: When bitcoin splits, is that like a stock splitting?

Similarities: there are now two things where there was only one before. Differences: pretty much everything else. A fork means that some group has decided that an existing cryptocurrency isn't working out the way they would like, so they have created a new one to address the perceived problems. Ofte...
by telemark
Tue Sep 19, 2017 12:12 pm
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1419

Re: Time to buy a used VW Diesel?

With a little looking you can probably also find good deals on gasoline VWs with a PZEV rating: VW sells these in all states, not just the ones that require it. These are not zero emissions but they're pretty close to it. I almost bought a 2012 Jetta last spring but decided to wait a bit longer. Do...
by telemark
Tue Sep 19, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: Time to buy a used VW Diesel?
Replies: 19
Views: 1419

Re: Time to buy a used VW Diesel?

With a little looking you can probably also find good deals on gasoline VWs with a PZEV rating: VW sells these in all states, not just the ones that require it. These are not zero emissions but they're pretty close to it. I almost bought a 2012 Jetta last spring but decided to wait a bit longer.
by telemark
Tue Sep 19, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: If you don't care about optimal performance?
Replies: 17
Views: 1044

Re: If you don't care about optimal performance?

I don't. Good enough is good enough. Furthermore, I don't really believe there is such a thing as an optimal portfolio, or that I would be able to recognize one if it did exist. I do enjoy tinkering with my portfolio, more than I probably should, but only in small ways for my own amusement.
by telemark
Sun Sep 17, 2017 10:51 pm
Forum: Personal Consumer Issues
Topic: Color printer suggestions: high quality output, low cost of ink
Replies: 22
Views: 1595

Re: Color printer suggestions: high quality output, low cost of ink

High quality, low cost, reliability... pick any two. Check the manufacturer's recommendation for this, but for reliability with most ink jet printers you need to keep it powered on all the time, so it can run regular cleaning cycles. This uses ink, of course. It's just the way the technology works.