Search found 2626 matches

by telemark
Thu May 28, 2020 7:29 pm
Forum: Personal Consumer Issues
Topic: Face mask recommendations
Replies: 22
Views: 1452

Re: Face mask recommendations

I like the Cambridge mask, but they're expensive and hard to get just now.
by telemark
Thu May 28, 2020 7:24 pm
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4318

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

An even more basic question: why is Vanguard always so **** pushy? Some days I want to move everything to Fidelity, just to get a little peace and quiet. Curious what latest salvo prompted this. I really don't receive any marketing communications due to settings / requests. Nothing specific, but I ...
by telemark
Thu May 28, 2020 7:22 pm
Forum: Personal Investments
Topic: Does it make sense to dollar cost average into a bond fund?
Replies: 6
Views: 489

Re: Does it make sense to dollar cost average into a bond fund?

The same arguments pro and con apply to bonds, only with less force since bonds are much less volatile.

Personally, I wouldn't bother.
by telemark
Thu May 28, 2020 4:19 pm
Forum: Investing - Theory, News & General
Topic: Why are 10-20 year treasuries a poor investment now?
Replies: 26
Views: 1434

Re: Why are 10-20 year treasuries a poor investment now?

nisiprius wrote:
Thu May 28, 2020 1:56 pm
Of course, some people in the forum are willing to, dare I say "bank on" the assumption that the new conditions are permanent.
All together now...


AAAARGH!
by telemark
Thu May 28, 2020 12:23 pm
Forum: Investing - Theory, News & General
Topic: Why are 10-20 year treasuries a poor investment now?
Replies: 26
Views: 1434

Re: Why are 10-20 year treasuries a poor investment now?

Calling something a poor investment misses a point: what is the purpose of the investment? What are you trying to accomplish, and how does it fit into the rest of your portfolio? If your primary purpose is safety, shorter durations are an excellent choice. If you are hoping for greater return, while...
by telemark
Thu May 28, 2020 11:50 am
Forum: Personal Investments
Topic: Why Vanguard Seems to Be Pushing Us Towards ETFs?
Replies: 50
Views: 4318

Re: Why Vanguard Seems to Be Pushing Us Towards ETFs?

An even more basic question: why is Vanguard always so **** pushy? Some days I want to move everything to Fidelity, just to get a little peace and quiet.
by telemark
Tue May 26, 2020 11:07 pm
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 114
Views: 7812

Re: Swedroe’s Bond Advice - no total bond index

In practice, any intermediate duration fund with reasonably low expenses should be fine, and that certainly includes Total Bond. I prefer treasuries because they have less credit risk and, usually, a lower correlation to stocks, but the difference will be small at best. As I understand it, the argum...
by telemark
Tue May 26, 2020 10:36 pm
Forum: Personal Consumer Issues
Topic: HBO Max
Replies: 37
Views: 2500

Re: HBO Max

They have Studio Ghibli, so it's tempting, but no, probably not. I have access to more than I can watch already.
by telemark
Tue May 26, 2020 2:16 am
Forum: Personal Consumer Issues
Topic: What will you NOT buy online?
Replies: 83
Views: 5256

Re: What will you NOT buy online?

The line is more blurred than it used to be. If I order a pizza and pay for it online, then walk over to pick it up, does that count?
by telemark
Sat May 23, 2020 1:30 pm
Forum: Personal Finance (Not Investing)
Topic: The axe falls and I am prepared. What's next?
Replies: 363
Views: 27202

Re: The axe falls and I am prepared. What's next?

IBM announced layoffs this week, and it seems to be a general trend in the industry. Makes me glad I'm already retired.
by telemark
Sat May 23, 2020 3:16 am
Forum: Personal Consumer Issues
Topic: Amazon Prime delayed shipping
Replies: 39
Views: 2712

Re: Amazon Prime delayed shipping

I ordered a microwave using a 30-day free trial of Prime, ended up canceling the order and buying locally. Large distribution centers full of low-paid workers turn out not to be ideal during a pandemic, so the problems are not surprising, but it annoyed me that the promised delivery time did not ref...
by telemark
Tue May 19, 2020 3:52 pm
Forum: Personal Consumer Issues
Topic: Discarding Music CDs
Replies: 97
Views: 6418

Re: Discarding Music CDs

In theory, anything that's on CD now should be easily available forever and ever, since the hard work of digital mastering has already been done. In practice that doesn't seem to be the case, especially for the more obscure albums with limited commercial appeal. You might search around on Amazon Mus...
by telemark
Sun May 17, 2020 10:42 pm
Forum: Personal Consumer Issues
Topic: Need a new microwave
Replies: 32
Views: 2632

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
Thu May 14, 2020 1:33 pm
Forum: Investing - Theory, News & General
Topic: "Expected Return" ?
Replies: 44
Views: 2641

Re: "Expected Return" ?

The shape of the probability distribution matters at least as much as the weighted average of the outcomes. A strategy with a high expected return may also have a high probability of losing everything--think lottery tickets, although most lotteries also have a low expected return. Remember: the actu...
by telemark
Mon May 11, 2020 3:33 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 10074

Re: Paul Tudor: Compelling case for bitcoin ?

I've always preferred using physical currency, actual bills and coins, but since Covid-19 I've switched almost completely to using digitized currency in the form of credit cards. No blockchain needed or even possible where I usually shop.
by telemark
Thu May 07, 2020 1:07 pm
Forum: Personal Consumer Issues
Topic: Is a locking mailbox necessary or helpful, or more hassle than it's worth?
Replies: 43
Views: 2258

Re: Is a locking mailbox necessary or helpful, or more hassle than it's worth?

My mailbox locks. But I live in an area with a cluster of mailboxes. Due to the way the mailboxes are arranged, it is easy for the delivery person to be "off-by-one" when putting the mail in the boxes and everyone gets their next door neighbor's mail. I frequently get my neighbor's mail and they ge...
by telemark
Wed May 06, 2020 12:12 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4789

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

As an aside, why do so many folks like to mix baking soda and vinegar together? That makes water, carbon dioxide and sodium acetate, none of which are very reactive or likely to dissolve a clog, or do much of anything else. I tried this, since I already had the materials on hand. It made a really i...
by telemark
Wed May 06, 2020 12:05 am
Forum: Personal Consumer Issues
Topic: Is there anything more environmentally friendly than Drano for unclogging a drain?
Replies: 80
Views: 4789

Re: Is there anything more environmentally friendly than Drano for unclogging a drain?

I've had mixed success with Power Plumber https://clrbrands.com/Products/CLR-Household/CLR-Power-Plumber I manually augured the slow drain in my bathroom sink twice and ended up with a completely blocked drain. I think the augur pushed everything down into a compact plug. A couple of shots of compre...
by telemark
Sat May 02, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 268
Views: 31174

Re: What have you baked recently?

For every day I like to add sesame seeds. For a treat, cinnamon and raisins. Also using a bread machine. Thanks! Would these sesame seeds work? I assume just add in with the dry ingredients in the beginning of the bread machine cycle? I seem to recall that sesame seeds need to be toasted or roasted...
by telemark
Sat May 02, 2020 10:10 am
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 268
Views: 31174

Re: What have you baked recently?

Any suggestions on what to add to basic whole wheat bread recipe to give some flavor? I have a bread machine which makes excellent 1lb loafs . It's an older machine from the 80s by Welbilt. The bread comes out nice and light but overall it lacks any flavor. Don't want to add more sugar and oil to i...
by telemark
Wed Apr 29, 2020 11:41 am
Forum: Personal Investments
Topic: 401k Bond Fund Choices
Replies: 4
Views: 228

Re: 401k Bond Fund Choices

The difference in expense ratios makes this a no-brainer for me. No other information needed.
by telemark
Mon Apr 27, 2020 3:07 pm
Forum: Personal Consumer Issues
Topic: Household batteries + charger
Replies: 24
Views: 1215

Re: Household batteries + charger

Another good place to buy Eneloops: B&H Photo. Lower prices than Amazon, free shipping that you don't have to pay for, and no possibly dodgy third-party sellers to worry about. I use this charger https://www.batteryspace.com/ch-v9688computercontrolledsuperfastuniversallcdsmartchargerforallsizenimhce...
by telemark
Thu Apr 23, 2020 11:46 am
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

I'd suggest reading this article about making smart bets: https://medium.com/@peteneuwirth/making-smart-bets-in-the-age-of-covid-19-5e62cabd236 and then think of this as a gamble. If you win, you get a cleaner house. If you lose, you still get a cleaner house but you also die in a fairly unpleasant...
by telemark
Wed Apr 22, 2020 8:15 pm
Forum: Personal Consumer Issues
Topic: House Cleaning and Covid
Replies: 24
Views: 2320

Re: House Cleaning and Covid

I'd suggest reading this article about making smart bets: https://medium.com/@peteneuwirth/making-smart-bets-in-the-age-of-covid-19-5e62cabd236 and then think of this as a gamble. If you win, you get a cleaner house. If you lose, you still get a cleaner house but you also die in a fairly unpleasant ...
by telemark
Wed Apr 22, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: How are you doing laundry?
Replies: 15
Views: 1774

Re: How are you doing laundry?

You can buy folding drying racks that are good for small items like socks and underwear, for example https://www.containerstore.com/s/compact-accordion-clothes-drying-rack/d?productId=11004508&q=drying%20rack For tops, I usually put them onto clothes hangers and hang them on the shower curtain rod o...
by telemark
Wed Apr 22, 2020 12:12 pm
Forum: Personal Consumer Issues
Topic: Aeropress coffee machine stuck in shipping
Replies: 37
Views: 2391

Re: Aeropress coffee machine stuck in shipping

I tried to use 3 tbsp of SB French Roast for a cup and that wasn't too bad. Quite strong and with a dash of milk it was okay. One thing I realized is that the water should be poured slowly in the circular fashion too., not too much water filling the pour over in one go I think that was a mistake I ...
by telemark
Sat Apr 18, 2020 7:13 pm
Forum: Personal Consumer Issues
Topic: Issues with face masks?
Replies: 92
Views: 5951

Re: Issues with face masks?

A couple of places to order masks online have come to my attention: https://dropletguard.com/ https://www.boausa.com/search?q=mask Obviously these are not medical grade masks. They are both from domestic clothing manufactures who have started making masks. I've bought running clothes from the BOA an...
by telemark
Sat Apr 18, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: Amazon pages often take long time to load
Replies: 17
Views: 997

Re: Amazon pages often take long time to load

In my experience Amazon is one of the faster sites. Target, Walmart, Walgreens, etc. are all even slower. And yes, they all really drag on my older desktop. I've sat in meetings where web sites were being designed, and no one ever speaks in favor of removing anything to make it run faster :(
by telemark
Thu Apr 16, 2020 8:48 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55551

Re: How to get Toilet Paper ? seriously.

Went to Costco this morning (in CO) and they had TP stacked to the ceiling. Our local grocery store had plenty also. Still not much flour. I think when the shelves are sparsely stocked it triggers shoppers to buy whatever is there. It's surprisingly easy to get into that mindset. Now that things ar...
by telemark
Thu Apr 16, 2020 5:20 am
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14303

Re: Apple Released a New Low-cost Iphone

02nz wrote:
Wed Apr 15, 2020 8:26 pm
telemark wrote:
Wed Apr 15, 2020 8:21 pm
No problem, this is what the SD card slot is for. Oh wait, it's Apple :(
Good luck finding the SD card slot on the Pixel!
Yes, Google is as bad as Apple here. Which is why I use a Motorola phone.
by telemark
Wed Apr 15, 2020 8:21 pm
Forum: Personal Consumer Issues
Topic: Apple Released a New Low-cost Iphone
Replies: 172
Views: 14303

Re: Apple Released a New Low-cost Iphone

IMO, 64GB for $399 is not sufficient storage. Other options are 128GB storage for $449 and 256GB for $549. I think the 128GB model for $449 is the sweet spot. Depends on the user. Cloud storage and streaming make local storage capacity less important than before, for most users. For example, I used...
by telemark
Tue Apr 14, 2020 10:07 pm
Forum: Personal Consumer Issues
Topic: Mesh Wifi
Replies: 124
Views: 7803

Re: Mesh Wifi

As luck (or possibly thousands of people trying to work from home) would have it, Ars Technica has a good article on this very subject: https://arstechnica.com/gadgets/2020/04/remote-work-lagging-if-you-cant-plug-it-in-upgrade-to-mesh/ Spoiler: they like the Amazon Eero. The comments are worth readi...
by telemark
Mon Apr 13, 2020 8:54 pm
Forum: Personal Consumer Issues
Topic: Zoom Meeting No Video Camera or Microphone
Replies: 16
Views: 1185

Re: Zoom Meeting No Video Camera or Microphone

If you have an Android phone, you may be able to use it as a webcam: https://www.windowscentral.com/how-use-your-android-phone-webcam-streaming https://www.cnet.com/how-to/how-to-use-your-android-as-a-webcam/ https://www.digitalcitizen.life/turn-android-smartphone-webcam-windows Similarly with an iP...
by telemark
Wed Apr 08, 2020 8:19 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55551

Re: How to get Toilet Paper ? seriously.

musicmom wrote:
Wed Apr 08, 2020 7:34 pm
Would have loved some rice.There was not one bag or box of any size. None. Sad.
If you have any ethnic grocery stores nearby, Indian or Chinese especially, those are good places to look for rice. I picked up a 10-pound bag of basmati rice at an oriental market last week.
by telemark
Sat Apr 04, 2020 1:34 pm
Forum: Personal Consumer Issues
Topic: Coronavirus Movie Suggestions
Replies: 104
Views: 6979

Re: Coronavirus Movie Suggestions

Omega Man (1971) was the 2nd spinoff of the Richard Matheson book, I Am Legend (1954). The 2007 version with the same title as the book, starring Will Smith came out in 2007. I saw them all but the 1st version was scariest for me, even though the special effects were crude. It was The Last Man on E...
by telemark
Sat Apr 04, 2020 12:41 pm
Forum: Personal Consumer Issues
Topic: What are you doing for haircuts due to coronavirus shutdown?
Replies: 254
Views: 20114

Re: What are you doing for haircuts due to coronavirus shutdown?

I'm training myself to act excitable and babble about flux capacitors.

Image
by telemark
Wed Apr 01, 2020 7:45 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55551

Re: How to get Toilet Paper ? seriously.

I should have been more clear. Coronavirus is an enveloped virus, soap and water will destroy it as the article you posted states. I was trying to point out that not all viruses are enveloped. Non-enveloped viruses are more resistant to being destroyed by soap and water (and hand sanitizer for that...
by telemark
Wed Apr 01, 2020 1:31 pm
Forum: Personal Consumer Issues
Topic: How to get Toilet Paper ? seriously.
Replies: 684
Views: 55551

Re: How to get Toilet Paper ? seriously.

I dont want to derail the TP discussion. For those who might be interested, antibacterial hand soap does still exist: Dial Antibacterial Liquid Hand Soap Refill, Spring Water DialModel: 00017000047287Walmart # 564113601 As pointed out, not virucidal, so will not kill covid19, just wash it away with...
by telemark
Wed Apr 01, 2020 1:24 pm
Forum: Personal Investments
Topic: Why would anyone buy Intermediate Term Treasury Bonds right now?
Replies: 34
Views: 2888

Re: Why would anyone buy Intermediate Term Treasury Bonds right now?

One more question. I hold my bonds in a Roth IRA and I use Vanguard as my broker. Would there be any way for me to purchase competitive CDs through Vanguard should it make sense to make the switch? You may be able to buy brokered CDs through Vanguard, but they are subject to the same interest rate ...
by telemark
Wed Apr 01, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5437
Views: 1349906

Re: What Movie Have You Recently Watched?

Ne Zha, an animated movie from China getting a very brief run in the U.S. Definitely worth catching in a theater if you get the opportunity. Reportedly it's based on an old folk tale but I had no trouble following the story without knowing anything about it. I see this is now available for streamin...
by telemark
Wed Apr 01, 2020 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Are cell phones like cars? [Buying new vs buying used or keeping old]
Replies: 62
Views: 3331

Re: Are cell phones like cars? [Buying new vs buying used or keeping old]

Cell phones are like cars used to be in the 1950s and '60s. Modern cars are built to last a long time. Cell phones aren't. I had to stop using one because it only did 2G and there were too many places where I couldn't get reception. My advice is to decide what you need and buy the cheapest new phone...
by telemark
Mon Mar 30, 2020 3:42 pm
Forum: Personal Consumer Issues
Topic: How Do you Exercise Indoors?
Replies: 127
Views: 9608

Re: How Do you Exercise Indoors?

Lately I've been doing assisted muscle-ups using a suspension trainer. I'm becoming very fond of this exercise since it's a bit like rowing and works the glutes and the upper back, places that I've always had trouble activating. And I can do it without needing a pullup bar, making setup and teardown...
by telemark
Mon Mar 30, 2020 7:52 am
Forum: Personal Investments
Topic: Vanguard says no beneficiaries designated on taxable account
Replies: 27
Views: 2416

Re: Vanguard says no beneficiaries designated on taxable account

celia wrote:
Mon Mar 30, 2020 2:29 am
telemark wrote:
Mon Mar 30, 2020 12:29 am
I'm doing yearly Roth conversions anyway, so can just pull from that.
I hope you're not converting your mom's IRA. Inherited IRAs can't be converted and "she" can't convert as she is no longer here.
Thanks, I didn't know that. I had not acted on that plan, and now I won't.
by telemark
Mon Mar 30, 2020 12:29 am
Forum: Personal Investments
Topic: Vanguard says no beneficiaries designated on taxable account
Replies: 27
Views: 2416

Re: Vanguard says no beneficiaries designated on taxable account

Thanks for the replies. First, looking at my own account I think I see my mistake now. When I go to My Accounts -> Account Maintenance -> Beneficiaries it only shows the designations for my retirement accounts. Over on the right margin is a link to "Add beneficiaries to a nonretirement account". You...
by telemark
Sun Mar 29, 2020 8:52 pm
Forum: Personal Investments
Topic: Vanguard says no beneficiaries designated on taxable account
Replies: 27
Views: 2416

Vanguard says no beneficiaries designated on taxable account

My mother died in early February. She had an IRA at Vanguard, and also a taxable account into which we had gradually consolidated most of her other accounts. I had agent authority on the account, so I had designated beneficiaries on both accounts according to her instructions, so we could avoid goin...
by telemark
Sun Mar 29, 2020 8:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 5437
Views: 1349906

Re: What Movie Have You Recently Watched?

"The Adjustment Bureau" with Matt Damon and Emily Blunt on HBO. It was starting as I was surfing for other interesting movies, so I had no idea of what was in the trailer... I probably would not have watched had I seen one, as whatever genre the movie was is is not really my favorite genre. I did w...
by telemark
Wed Mar 25, 2020 7:23 pm
Forum: Personal Consumer Issues
Topic: Costco Senior hour Tue and Thur
Replies: 70
Views: 5735

Re: Costco Senior hour Tue and Thur

What I cannot understand is why any store or business wants to bring the whole population of vulnerables together in one place at one time. We generally go out to shop in the early evening....almost no one is in the store! I believe the idea is that the store is cleanest first thing in the morning....
by telemark
Tue Mar 17, 2020 9:38 pm
Forum: Personal Investments
Topic: Only two bond choices in 401K
Replies: 12
Views: 601

Re: Only two bond choices in 401K

I tried to Google "Managed Income Portfolio Class 2", but it does not bring up any ticker symbols. The links it does bring up point to dead pages; makes me think that these are plan specific funds and not available retail. So basically you are going to have to read the fund prospectus yourself and ...
by telemark
Mon Mar 16, 2020 8:22 pm
Forum: Personal Consumer Issues
Topic: What to do with old VHS tapes?
Replies: 3
Views: 407

Re: What to do with old VHS tapes?

The library here is closed for the virus, so Goodwill it is then. Thanks, everyone.