Search found 2205 matches

by telemark
Wed Apr 18, 2018 11:32 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 159
Views: 19901

Re: Roll Call for the Retirement Class of 2018!

Upcoming graduates - :!: __ Apr - telemark <== Welcome to the Class ! Actually I'm there now: my last day was the 13th, lucky number for me. If you leave in the middle of the month your insurance is covered until the end of the month :wink: Still trying to find a balance between my new ability to d...
by telemark
Tue Apr 17, 2018 1:23 pm
Forum: Personal Consumer Issues
Topic: Ogden UT/Salt Lake City summer children's activities?
Replies: 8
Views: 471

Re: Ogden UT/Salt Lake City summer children's activities?

If driving everywhere gets old, you can also ride the Frontrunner train to Thanksgiving Point or downtown Salt Lake City.
by telemark
Mon Apr 16, 2018 10:57 pm
Forum: Personal Consumer Issues
Topic: Mozart in the morning, please
Replies: 18
Views: 2274

Re: Mozart in the morning, please

For what it's worth, I have a Bose Wave radio I bought circa 1992. The CD player likes to skip but otherwise it still works perfectly, now mostly playing music from a Sonos Connect. Also, any music that woke me up in the morning would rapidly cease to be my favorite music. I have my Sonos system set...
by telemark
Mon Apr 16, 2018 10:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3491
Views: 985688

Re: What Movie Have You Recently Watched?

Aquarius (2016, not rated). I was looking to see if Netflix had anything with Sonia Braga in it, and this came up. Very low key, slice-of-life film making where the actors all look like people instead of movie stars. If you are feeling overstimulated or hyperstimulated by too many action movies, thi...
by telemark
Mon Apr 16, 2018 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Roth conversion timing and ACA subsidies
Replies: 11
Views: 695

Re: Roth conversion timing and ACA subsidies

If you are off the mark, you have company. Exactly how I am "fighting the battle", especially on the ACA front. Thanks. It seems that I'm not crazy or overlooking anything too important, and while I hesitate to say that constraints are ever a good thing, this one does reduce the solution space to a...
by telemark
Sun Apr 15, 2018 10:06 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion timing and ACA subsidies
Replies: 11
Views: 695

Roth conversion timing and ACA subsidies

I'm newly retired, considering how to proceed. In round numbers my situation is single, age 58, state income tax 5%, no debt $300K in a good traditional 401K $650K in an expensive traditional 401K $100K in a Roth IRA at Vanguard $200K in various taxable accounts annual expenses around $40K My origin...
by telemark
Fri Apr 06, 2018 5:00 pm
Forum: Personal Consumer Issues
Topic: wi-fi internet connection issue
Replies: 13
Views: 1387

Re: wi-fi internet connection issue

These days WEP is almost worthless, security-wise, so you are better off using WPA2 anyway. If Frontier is charging you a monthly rental on the router, you might look into buying your own instead.
by telemark
Fri Apr 06, 2018 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct is a waste of time
Replies: 75
Views: 17637

Re: Treasury Direct is a waste of time

The site feels clunky because it is clunky, but I would not recommend that people avoid it on that account. An updated web site would be nice, but I'd rather see higher purchase limits on savings bonds.
by telemark
Tue Apr 03, 2018 8:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: Roll Call for the Retirement Class of 2018!
Replies: 159
Views: 19901

Re: Roll Call for the Retirement Class of 2018!

I gave notice on Monday, so any little fluctuations you may have noticed in the market are presumably my fault. It will be a couple of weeks before we get the details sorted out. It was something of an impulse decision, but it seemed to me that the marginal utility of another year of work was far le...
by telemark
Tue Apr 03, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3642

Re: Comparison of grocery prices?

$2.99/dozen at Natural Foods for cage free omega plus eggs, from Amish farmers yet. Not the cheapest option, but I like the flavor and a dozen lasts me about a week, so it's not a major expense. I don't like milk, so I don't buy that. I did a taste test of various eggs cooked over easy in unsalted ...
by telemark
Tue Apr 03, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: How did you file your income taxes?
Replies: 77
Views: 3791

Re: How did you file your income taxes?

I switched from TaxAct online last year to FreeTaxUSA this year, and the whole process seemed easier and smoother. My taxes are pretty simple, but I had to enter half a dozen 1099 forms and claim the foreign tax credit for one of them. Back when I let TurboTax import the data for me I always checked...
by telemark
Thu Mar 29, 2018 5:31 pm
Forum: Personal Consumer Issues
Topic: Comparison of grocery prices?
Replies: 47
Views: 3642

Re: Comparison of grocery prices?

$2.99/dozen at Natural Foods for cage free omega plus eggs, from Amish farmers yet. Not the cheapest option, but I like the flavor and a dozen lasts me about a week, so it's not a major expense. I don't like milk, so I don't buy that.
by telemark
Thu Mar 29, 2018 4:30 pm
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12638

Re: Healthy eaters -- is this grocery budget normal to you?

One trap people fall into when grocery shopping, especially at Whole Foods, is buying prepared foods and meals - not actual groceries. Their salad bar, juices, pizzas, sushi rolls, rotisserie chicken, and refrigerators full of pre-mixed salads and already-cooked entrees are priced like you're buyin...
by telemark
Thu Mar 29, 2018 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Healthy eaters -- is this grocery budget normal to you?
Replies: 247
Views: 12638

Re: Healthy eaters -- is this grocery budget normal to you?

I will offer the same advice I have for any budgetary question (or engineering problem): you can't control what you don't measure. Keep track of everything you spend on food and break it down by item type. Much of your spending will probably turn out to be for a small part of what you eat, it may no...
by telemark
Wed Mar 28, 2018 1:31 pm
Forum: Personal Consumer Issues
Topic: Not going to be buying chicken for a while...
Replies: 65
Views: 8920

Re: Not going to be buying chicken for a while...

Livestock are not evolving in the usual sense (survival of the fittest). We are breeding them for the traits we want. It's not just chickens, there is a similar issue with cows. https://www.washingtonpost.com/news/wonk/wp/2017/12/07/cattle-have-gotten-so-big-that-restaurants-and-grocery-stores-need-...
by telemark
Wed Mar 28, 2018 12:03 pm
Forum: Investing - Theory, News & General
Topic: Is technical analysis all smoke and mirrors?
Replies: 62
Views: 4826

Re: Is technical analysis all smoke and mirrors?

The market is not simply random data: it actively resists attempts to study it. There is a theory which states that if ever anyone discovers exactly what the Universe is for and why it is here, it will instantly disappear and be replaced by something even more bizarre and inexplicable. There is anot...
by telemark
Sun Mar 25, 2018 10:21 pm
Forum: Investing - Help with Personal Investments
Topic: What is the chance of a purchase decreasing in value at some point?
Replies: 10
Views: 823

Re: What is the chance of a purchase decreasing in value at some point?

It gets worse. If you buy ETFs, you can watch the value decline on the *same* day.

Maybe adjust your time frame and stop checking your investments so often?
by telemark
Sun Mar 25, 2018 11:33 am
Forum: Investing - Theory, News & General
Topic: Invests money, 3 days later the market tanks.
Replies: 58
Views: 7100

Re: Invests money, 3 days later the market tanks.

In April of 2010 I invested $30,000 in a shiny new slice-and-dice taxable portfolio at Vanguard. I wasn't sure it was a good idea but I didn't want to wait any longer. The first week of May was the flash crash. Stuff happens, especially where markets are involved. In hindsight my only mistake was no...
by telemark
Sun Mar 25, 2018 5:12 am
Forum: Investing - Theory, News & General
Topic: Seasoned bogleheads repressing the thought of lower expected returns
Replies: 178
Views: 11859

Re: Seasoned bogleheads repressing the thought of lower expected returns

I ignore all prospects (aka predictions) of future market behavior, except in hindsight, because in hindsight it's hilarious to notice how wrong they turned out to be.

But maybe this time is different?
by telemark
Sat Mar 24, 2018 7:01 pm
Forum: Personal Consumer Issues
Topic: How to Learn to Build a Web App
Replies: 19
Views: 1616

Re: How to Learn to Build a Web App

When I was in graduate school taking upper level math courses, I tried to solve every problem before looking at the solution. Usually I failed, but the effort made it easier for me to understand the solution. So there's some value in trying things yourself: even if you end up working with other peop...
by telemark
Sat Mar 24, 2018 6:13 pm
Forum: Personal Consumer Issues
Topic: I need a planter for dwarf pine on balcony [update]
Replies: 7
Views: 822

Re: I need a planter for dwarf pine on balcony

Following up, it turns out that these are really tough little guys and it takes a very stupid person to kill one. Which would be, uh, me. I gave up on the idea of self-watering pots when I discovered how much one would cost for the size I needed. So I bought a fiberglass pot at Big Lots, punched out...
by telemark
Fri Mar 23, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21671

Re: Anyone Deleting Facebook?

I am well aware of the differences among the many types of social media. Anyone who participates in a forum like this one, and thinks he is not using social media, is redefining the meaning of the term. Does your definition have any limits? Does it include post cards? People have been communicating...
by telemark
Fri Mar 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21671

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21671

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 329
Views: 21671

Re: Anyone Deleting Facebook?

Yes, but it had nothing to do with privacy and the recently discovered lack thereof. I'm solidly with Parker and Palihapitiya in thinking that it is an unhealthy social validation feedback loop and serves no real positive function. I feel that way about social media in general and eschew its use. Y...
by telemark
Thu Mar 22, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in 401K
Replies: 10
Views: 1037

Re: Bonds in 401K

If you want to hold bonds, and most of us here would agree that you should, a 401K is a great place to hold them, assuming that your plan offers some decent bond funds.
by telemark
Wed Mar 21, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2557

Re: Need to pull some data off some old 5-1/4" floppy disks

Although I have a working computer with two 5-1/4" floppy disk drives, it doesn't do you much good! Even if I could read whatever data you needed, I'm not sure if I could transfer it to something that you could use on a modern computer. In my area, there are dozens of small companies in just about ...
by telemark
Wed Mar 21, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3695

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I'd like to be sure I understand what is dangerous about these units, since I've started stocking up on power backups due to the increasing frequency of multi-day power outages in my area. The kind of device that has no batteries in it until you put them in (I have one that uses several AA or maybe...
by telemark
Wed Mar 21, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3695

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

And there is always traditional NiMH (rechargable AA like Eneloop, etc) ... which is a lot safer but again much heavier and lower capacity. You can also get NiMH cells in C and D sizes, not just the AAs in a larger package. The D cells have capacities up to 1 ampere-hour. I use them to run Christma...
by telemark
Wed Mar 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3695

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

When you think about how many devices are out there with lithium ion batteries, the 'explodey' concern may be a bit overstated. Basically every laptop, cell phone, or similar device made in the last ~ 10 years. Typically any issues are caught very early as manufacturing defects and simply require s...
by telemark
Sun Mar 18, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Quiet vehicle for two cats
Replies: 15
Views: 1025

Re: Quiet vehicle for two cats

This is not a recommendation because I have no personal experience, but the reviews for the 2017 Ford Focus hybrid all mention how quiet it is inside. You might try renting a few different cars first to see how your cats react to them.
by telemark
Sat Mar 17, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 56
Views: 3695

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

No personal knowledge, but searching for 'AA power bank' finds some that use AA batteries, so you could use NiMH rechargeables like Eneloops, which wouldn't have the safety problems of lithium ion batteries. One example: https://www.amazon.com/Verbatim-Power-B ... B007MLHS2S The downside to NiMH ba...
by telemark
Sat Mar 17, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Market Efficiency - Or Not
Replies: 33
Views: 2463

Re: Market Efficiency - Or Not

"Efficient market hypothesis" is one of those poorly chosen names that invites people to draw wrong conclusions about its meaning.* For starters, it doesn't mean the market will be particularly, well, efficient.

* "expected return" is another.
by telemark
Thu Mar 15, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Guaranteed 9.3% Return?
Replies: 43
Views: 5793

Re: 401K: Guaranteed 9.3% Return?

Any difference between current and future tax rates can be modelled as a rate of return, yes, although in this case I make it out to be closer to 1.1% (1 / 0.907). That's 1.1% once, not 1.1% per year, and only if the 9.3% is a flat rate.
by telemark
Wed Mar 14, 2018 5:47 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4032

Re: Tables feature

Your post quoted mine. Compare it with what I posted and see the problems? I rest my case. Ok, you got me. I see no differences at all between the original text in https://www.bogleheads.org/forum/viewtopic.php?p=3829405#p3829405 vs. the quoted text in https://www.bogleheads.org/forum/viewtopic.php...
by telemark
Wed Mar 14, 2018 5:35 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4032

Re: Tables feature

Peculiar_Investor wrote:
Wed Mar 14, 2018 5:34 pm
telemark wrote:
Wed Mar 14, 2018 5:23 pm
Peculiar_Investor wrote:
Wed Mar 14, 2018 2:00 pm
Even the use of simple BBCodes can cause problems with a post ...
... As long as we're wishing, that is :)
Your post quoted mine. Compare it with what I posted and see the problems? I rest my case.
Fixed now :D
by telemark
Wed Mar 14, 2018 5:23 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 4032

Re: Tables feature

Even the use of simple BBCodes can cause problems with a post, particularly when the user has to manually enter them. There are almost daily examples of members using the [qu ote] BBCode without properly closing it with [/qu ote]. Tables are far more complex and I would expect users would often wan...
by telemark
Wed Mar 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 46
Views: 4052

Re: simplifying my financial life -- should i get rid of treasury direct?

I've never been fan of EE bonds, but short term treasury yields are looking attractive now, with three months at 1.65% and six months at 1.85%, so I might move some short term money into that. I linked a second bank account last year with no problems, so that part doesn't worry me.
by telemark
Tue Mar 13, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Are you ready to buy stocks at your grocery store?
Replies: 46
Views: 6526

Re: Are you ready to buy stocks at your grocery store?

"No, dear, I said I needed socks, not stocks..."
by telemark
Tue Mar 13, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: in which account do REIT funds go ?
Replies: 9
Views: 784

Re: in which account do REIT funds go ?

My REIT allocation is mostly in my 401K, because all of my portfolio is mostly in my 401K, but I have a nice chunk (20%) in my Roth. Tax inefficient plus high expected return generally indicates putting it in Roth. It is a volatile asset, so you should be willing to rebalance in and out of it as nec...
by telemark
Mon Mar 12, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Anybody have the Moto E4 phone?
Replies: 5
Views: 478

Re: Anybody have the Moto E4 phone?

I have an E4 and I'm happy with it, but I don't watch a lot of videos. I chose it over the G5 plus because the smaller size fits in my pocket better.

Love the removeable battery.
by telemark
Sun Mar 11, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2409

Re: Plastic free coffee maker?

Pajamas wrote:
Sat Mar 10, 2018 3:08 pm
After all, it is just coffee.
Blasphemy!


Image
by telemark
Sat Mar 10, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2409

Re: Plastic free coffee maker?

I haven't tried them, but it looks as though one of the Chemex coffee makers would fit your needs.
by telemark
Sun Mar 04, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1492

Re: In Praise of Classic Works on Kindle

David Jay wrote:
Mon Feb 26, 2018 3:07 pm
Delphi has the Complete Works of Charles Dickens without charge. My recommendations of lesser known works: Our Mutual Friend
In which it is established that trash is indeed cash :)
by telemark
Sat Feb 24, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 5335

Re: Favorite socks?

Socks absorb energy from being tumbled and spun. If you raise their potential too high, they may make a quantum leap to some other dimension. Since I started hanging my socks up to dry quietly, the incidence of missing socks has gone to almost none.
by telemark
Fri Feb 23, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Removed
Replies: 39
Views: 3844

Re: Grantham-expect a melt up before the melt down

Thats a simplistic view. He more often than not has been right about calling out bubbles and overvaluation, the problem is he has often been years too early resulting in missing the huge run up before eventual fall. Interestingly he is directly acknowledging it in this piece. There is good info the...
by telemark
Fri Feb 23, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 1839

Re: Caribbean Cruise 1st timer Cash or Card?

If you need more cash than you brought, there will probably be an ATM on board (and if so it will certainly charge a fee). You can break large bills in the casino.
by telemark
Fri Feb 23, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 2831

Re: Guaranteed 2% return?

Just to take the other side of the argument, inflation makes debt more attractive since you are paying it off in cheaper dollars. Not that I have any idea what future inflation rates will be like. Maybe we will see deflation... Also: why does it need to be a very safe investment? You were presumably...
by telemark
Thu Feb 22, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6303

Re: Question for music experts about musical keys

Cheyene: Thanks for the explanation. I understand the mechanics of modes and how they relate to different notes in the scale. I can also construct the modes by starting on the note and following the pattern of Whole and Half steps based on the major scale. What I do not understand is the practical ...
by telemark
Wed Feb 21, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 6303

Re: Question for music experts about musical keys

I was trying to understand Windows service permissions this morning when this link caught my eye:

https://music.stackexchange.com/questio ... -and-flats

Another resource for people interested in questions like these.