Search found 2487 matches

by telemark
Sat Oct 19, 2019 6:00 am
Forum: Personal Investments
Topic: Sacrifice AA in Short Term to Reduce Expenses?
Replies: 8
Views: 544

Re: Sacrifice AA in Short Term to Reduce Expenses?

My condolences on the unfortunate 403b. I've made similar adjustments in the past, dealing with an expensive 401k plan, and frankly it seems like a no-brainer to me. Saving 70 basis points is a solid win that you can count on, while the benefits of international equities are a subject of much debate...
by telemark
Wed Oct 16, 2019 5:59 pm
Forum: Personal Consumer Issues
Topic: Invited to join HOA board. Pros/cons?
Replies: 58
Views: 4260

Re: Invited to join HOA board. Pros/cons?

Pros: in a few years you will have some great stories to tell. Cons: it won't feel that great while you are living through them. I was on the board for a small HOA (21 units) for several years and president when we did an assessment to replace the roof. One homeowner became convinced that we were in...
by telemark
Sun Oct 13, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 7820

Re: What’s the proper way to pay yourself in retirement?

I don't try to simulate an income, because I don't have an income. So, you never have to file a tax return? :wink: - Ron There are always taxes, unless perhaps you are Livesoft. I have capital gains from selling stock, and a few thousand a year in dividends, and I'm doing Roth conversions up to the...
by telemark
Sun Oct 13, 2019 2:38 am
Forum: Personal Finance (Not Investing)
Topic: What’s the proper way to pay yourself in retirement?
Replies: 66
Views: 7820

Re: What’s the proper way to pay yourself in retirement?

I don't try to simulate an income, because I don't have an income. What I have is expenses, which vary from month to month, and investments. As others have already said, when I need money I sell whatever makes sense at the time. I retired with four or five years of expenses in taxable, so I'm spendi...
by telemark
Sat Oct 12, 2019 12:43 am
Forum: Personal Consumer Issues
Topic: duckduckgo
Replies: 31
Views: 3924

Re: duckduckgo

A duckduckgo search should not hang. I don't know why that might happen. One thing you might try is simply going to their search page, https://www.duckduckgo.com , and typing into the search box on that page. If that works, the problem is in Chrome, or something about the way you are using Chrome. I...
by telemark
Wed Oct 09, 2019 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17175

Re: What are your personal experiences with downside of early retirement?

WildBill wrote:
Wed Oct 09, 2019 10:08 am
Neighbors and landscaping guys who fire up motor operated gizmos in the morning and wake me up.
True, that. I had not realized how much time and money is spent spraying mostly unburned gasoline into the air, moving around perfectly harmless vegetable matter.
by telemark
Wed Oct 09, 2019 2:14 am
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4019
Views: 1152302

Re: What Book Are You Currently Reading? Part VI

Lolly Willowes, or The Loving Huntsman by Sylvia Townsend Warner This was brought to my attention as a creepy British novel and it is certainly British. Otherwise, it reminds me more of Shirley Jackson, in that the various supernatural goings-on are mostly a distraction from the real horror, which i...
by telemark
Tue Oct 08, 2019 12:24 pm
Forum: Personal Finance (Not Investing)
Topic: What are your personal experiences with downside of early retirement?
Replies: 95
Views: 17175

Re: What are your personal experiences with downside of early retirement?

I was at a party a couple of weeks ago and someone commented how much happier I've been looking for the past year. Well, yes. I'm never stuck indoors thinking what a beautiful day it is outside. On being irreplaceable, my former employer seems to be getting along all right without me, somehow or oth...
by telemark
Tue Oct 08, 2019 4:49 am
Forum: Personal Consumer Issues
Topic: Router for Small Apartment
Replies: 18
Views: 1226

Re: Router for Small Apartment

I live in a similarly sized apartment, not even in a large building, and interference from neighboring wifi routers is the main problem I have. Looking now, I see over a dozen routers on channel 1, a similar number on channel 5 (which is stupid, since 5 overlaps with 1, but I digress), one on channe...
by telemark
Sun Oct 06, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Unexpected 401k Contribution
Replies: 9
Views: 891

Re: Unexpected 401k Contribution

Something similar happened to me last spring, thought it was a mistake at first. I had worked part of 2018 and my former employer made a year-end contribution to everyone who had worked in that year. I don't know why one might show up three years later. In any case, employer contributions don't coun...
by telemark
Sat Oct 05, 2019 1:23 am
Forum: Investing - Theory, News & General
Topic: How many are switching from Fidelity?
Replies: 140
Views: 15110

Re: How many are switching from Fidelity?

Fidelity's low cost index funds are more than good enough for me and trade for free. Not switching.

Also, unlike another brokerage I could mention, Fidelity doesn't make me click through a popup window every time I log in, just to see my balances.
by telemark
Fri Oct 04, 2019 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Retirees: How do you handle quarterly tax payments?
Replies: 45
Views: 3508

Re: Retirees: How do you handle quarterly tax payments?

I believe the penalty is a small percentage of the amount underpaid, so you may come out ahead by keeping the money invested throughout the year and just paying the penalty. Has anyone tried running numbers on this? EDIT to add: Looking at IRS Publication 505 for 2019 , on page 49 I find Figure the ...
by telemark
Thu Oct 03, 2019 10:50 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1614

Re: Removing smoke odor from clothing

NonScents ( https://nonscents.com/ ) has a whole line of odor eliminating products. What is the active ingredient? I don't know, and my knowledge of chemistry is minimal at best. Perhaps you can glean something from their web site? Speaking as a customer, I find that the product has no discernable ...
by telemark
Thu Oct 03, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Removing smoke odor from clothing
Replies: 20
Views: 1614

Re: Removing smoke odor from clothing

NonScents ( https://nonscents.com/ ) has a whole line of odor eliminating products. Rather than masking one smell with another, they focus on breaking down the molecules that cause the original odor. I've been using their shoe deodorizer in my running shoes, with great success. I can't recommend any...
by telemark
Thu Oct 03, 2019 10:49 am
Forum: Investing - Theory, News & General
Topic: Vanguards push for PAS
Replies: 18
Views: 2756

Re: Vanguards push for PAS

Get over it humans. Artificial Intelligence is here to stay. Through use of algorithms we put together better portfolios than humans can for themselves, we know that AI can better diagnose illnesses than experienced Doctors. Resistance is futile, you will be assimilated. We know better than you. Ne...
by telemark
Tue Oct 01, 2019 5:49 am
Forum: Investing - Theory, News & General
Topic: S&P indexes may never hold some unicorns. Thoughts?
Replies: 39
Views: 3384

Re: S&P indexes may never hold some unicorns. Thoughts?

The remedy is pretty easy: own a total stock market fund, instead of the S&P 500. The question is whether there is a problem to remedy. I dont know that there is. +1 Or use a large cap index, if you prefer to slice and dice. At this point, I view S&P 500 index funds mostly as an artifact of history.
by telemark
Sun Sep 29, 2019 10:26 pm
Forum: Personal Consumer Issues
Topic: AA batteries (in a blood pressure monitor for example)
Replies: 39
Views: 2331

Re: AA batteries (in a blood pressure monitor for example)

The answer to the first question is yes, normally. Sometimes one cell may be faulty and fail early, but that should be the exception.
by telemark
Sun Sep 29, 2019 1:22 am
Forum: Personal Consumer Issues
Topic: Is Utah the most convenient "Out West" destination for East Coast skiers?
Replies: 42
Views: 4328

Re: Is Utah the most convenient "Out West" destination for East Coast skiers?

Utah is terrible. Expensive, awful inversions, mean locals, bad food, lousy accomodations, no snow, bitterly cold temperatures, lifts that break down all the time, expensive, inconvenient parking, too many snowboarders, and yetis. Stay away. I've heard that. :evil: Nobody goes there any more, too c...
by telemark
Sat Sep 28, 2019 8:07 pm
Forum: Investing - Theory, News & General
Topic: Jonathan Clements: About half your retirement accumulation is just the dollars you put in
Replies: 92
Views: 13753

Re: Jonathan Clements: About half your retirement accumulation is just the dollars you put in

Since we like to make a point here of being careful about tenses, the title should probably read About half your retirement accumulation may be just the dollars you put in if you are starting now and Mr. Clements' prediction of 4% real growth turns out to be accurate. People who started earlier have...
by telemark
Tue Sep 24, 2019 11:17 am
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 5677

Re: Don't confuse strategy with outcome:

Munir wrote:
Mon Sep 23, 2019 10:17 am
I assume a good strategy includes the expectation of a good outcome- otherwise, it is not a good strategy.
The expectation of a good outcome, and the possibility of a bad one.
by telemark
Tue Sep 24, 2019 5:15 am
Forum: Personal Consumer Issues
Topic: live close to construction, air purifier recommendation?
Replies: 23
Views: 1563

Re: live close to construction, air purifier recommendation?

Here is the problem: the unit you are using has a clean air delivery rate (CADR) of 35 for dust. This would be fine under ordinary circumstances in a small room, but your circumstances are not ordinary. Your little purifier is being overwhelmed by a constant supply of new dust from outside, and it j...
by telemark
Mon Sep 23, 2019 2:56 pm
Forum: Personal Consumer Issues
Topic: Physical activity suggestions for a non athletic youth
Replies: 189
Views: 8782

Re: Physical activity suggestions for a non athletic youth

Some more or less random thoughts in the hope that perhaps one will be useful: With proper coaching, 11 is not too young to start lifting weights. On the other hand, you can ruin your body at any age lifting with bad form. Where I live, and in some other parts of the country, youth ballroom formatio...
by telemark
Tue Sep 17, 2019 1:09 pm
Forum: Investing - Theory, News & General
Topic: Don't confuse strategy with outcome:
Replies: 94
Views: 5677

Re: Don't confuse strategy with outcome:

My strategy is to be lucky. This should work very well, just as soon as I can figure out how to implement it.
by telemark
Sun Sep 15, 2019 9:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228826

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.
by telemark
Sun Sep 15, 2019 8:52 pm
Forum: Personal Consumer Issues
Topic: Phones with longest battery life?
Replies: 18
Views: 1418

Re: Phones with longest battery life?

abuss368 wrote:
Fri Sep 13, 2019 10:29 pm
Our iPhones hold the battery well.
They should, I believe the batteries are glued in place :D
by telemark
Sun Sep 15, 2019 8:49 pm
Forum: Personal Consumer Issues
Topic: How old is your cellphone?
Replies: 168
Views: 8730

Re: How old is your cellphone?

I use a Moto E4 that I bought in 2017. It got an update last week and the battery can be replaced using a fingernail, so I expect to keep it for a while longer. No case, because I am vain (it's made of the very finest plastic).
by telemark
Sun Aug 25, 2019 11:43 pm
Forum: Investing - Theory, News & General
Topic: A theory of one's general investing mindset: 'Good enough' or 'Optimize'
Replies: 297
Views: 12716

Re: A theory of one's general investing mindset: 'Good enough' or 'Optimize'

As someone who used to work on engineering problems, I definitely fall into the "good enough" camp, which leads me to conclude that if you get the stock/bond mix right and are reasonably diversified, the other decisions are neither determinable nor likely to matter much. I don't feel a need for extr...
by telemark
Sun Aug 25, 2019 11:32 pm
Forum: Personal Consumer Issues
Topic: Crested Butte, CO, Bh's??
Replies: 14
Views: 1329

Re: Crested Butte, CO, Bh's??

I have relatives who retired there and lived contentedly for years, until they decided that with increasing age the altitude and the winters were more than they wished to deal with. They now live in Gunnison, which is becoming a bit of an overflow community for Crested Butte. Gunnison is 7700 feet, ...
by telemark
Sun Aug 25, 2019 10:01 am
Forum: Personal Consumer Issues
Topic: Amazon Prime Video Movies and TV Shows
Replies: 20
Views: 1760

Re: Amazon Prime Video Movies and TV Shows

I don't pay for Prime, but I've taken the free trial more than once. There's lots of good stuff in Prime Video. Besides the ones already mentioned, there are older movies ranging from art house -- McCabe and Mrs. Miller, Barry Lyndon, etc. -- to spaghetti westerns. Last time I took a free trial I wa...
by telemark
Mon Aug 19, 2019 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Paying credit card "current balance" vs. "statement balance"
Replies: 48
Views: 4495

Re: Paying credit card "current balance" vs. "statement balance"

Would you please explain why you've concluded that always paying off one's current balance in full as opposed to one's statement balance "isn't ideal"? I ask because I've been paying my current balance twice a month for years and had thought that practice to be the better one, at least for me. Payi...
by telemark
Thu Aug 15, 2019 1:11 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1498
Views: 157024

Re: [What TV Show Have You Recently Watched?]

My wife started reading the Outlander books, and since they've added the first two seasons to Netflix, we've been watching the show. Pretty enjoyable historical romance action piece with time travel twist and some steamy sex thrown in. First season was good, though the last two episodes were painfu...
by telemark
Mon Aug 12, 2019 4:43 pm
Forum: Personal Consumer Issues
Topic: Is "My Social Security" online worth signing up for
Replies: 31
Views: 2806

Re: Is "My Social Security" online worth signing up for

My credit is frozen, too. Since I've flubbed my PW, I was told I need to go to the SS office in person to have it re-set. What ID is required? I used a driver's license (my own, actually). Even if you unfreeze your credit, there's a chance that the online test will fail if you haven't made any larg...
by telemark
Sun Aug 11, 2019 9:15 pm
Forum: Investing - Theory, News & General
Topic: The fallacy of Dollar Cost Averaging
Replies: 101
Views: 8715

Re: The fallacy of Dollar Cost Averaging

I believe that this was the original meaning of "Dollar Cost Averaging" and that Wikipedia is not correct on the subject. Our Bogleheads wiki does have the original meaning correct, but both meanings are now accepted. The relevant section in the Wikipedia article is presumably the one labeled Confu...
by telemark
Sat Aug 10, 2019 2:51 pm
Forum: Investing - Theory, News & General
Topic: The fallacy of Dollar Cost Averaging
Replies: 101
Views: 8715

Re: The fallacy of Dollar Cost Averaging

I would say the broader fallacy is imagining that any financial plan must invariably yield superior results, when time and chance happeneth to them all.
by telemark
Thu Aug 08, 2019 2:15 pm
Forum: Personal Consumer Issues
Topic: Best online retailer other than Amazon
Replies: 36
Views: 2129

Re: Best online retailer other than Amazon

When I find something on Amazon, I also check to see if I can buy it directly from the manufacturer. Frequently they offer a better deal. Newegg is great for electronics, but I don't buy much electronics these days. Shop around. Unless you're trying to recoup the money you paid in advance for shippi...
by telemark
Sun Aug 04, 2019 6:18 pm
Forum: Personal Consumer Issues
Topic: Point of Grammar/Proper Usage re Name of Organization
Replies: 12
Views: 905

Re: Point of Grammar/Proper Usage re Name of Organization

Phineas J. Whoopee wrote:
Sun Aug 04, 2019 3:17 pm
I suppose my friends might call me Watch Out! Here Comes an S! for short.
I see we have a Dave Barry fan on the forum. :D
by telemark
Sun Jul 28, 2019 11:09 pm
Forum: Forum Issues and Administration
Topic: Why is the forum blue?
Replies: 15
Views: 2790

Re: Why is the forum blue?

Finally, any possible physical effect of light on the retina from screens indoors is going to be... negligible compared with light outdoors. Outdoors in sunlight, the illumination level is about 100,000 lux. Indoors, about 1,000 lux or 1% as much. So if you believe blue light might be damaging the ...
by telemark
Sat Jul 27, 2019 11:44 am
Forum: Personal Consumer Issues
Topic: Mild hybrid vehicles
Replies: 3
Views: 590

Re: Mild hybrid vehicles

The weird thing about this quote is the bizarre focus on voltage, especially "lethal" voltages. What is relevant to the user experience (and user economics) is not voltage but power and energy. Based on the short quote, I suspect this article to be "not even wrong." My reaction also. I think he rea...
by telemark
Sat Jul 27, 2019 11:05 am
Forum: Personal Consumer Issues
Topic: RESOLVED: Smart Home = Dumb Idea due to potential security breaches and exploits?
Replies: 42
Views: 4026

Re: Smart Home = Dumb Idea due to potential security breaches and exploits?

Bruce Schneier is a very well respected author and security researcher, the last person I would describe as a crank. Speaking only for myself, I don't have any IoT devices in my home, but it's not much of a sacrifice since none of them are things I would want anyway. I would feel like a complete too...
by telemark
Fri Jul 26, 2019 7:41 pm
Forum: Personal Consumer Issues
Topic: Recommendation for home gym (limited space)
Replies: 78
Views: 6530

Re: Recommendation for home gym (limited space)

I wouldn't recommend buying a skateboard just for this, but if you already have one there are some fun strength exercises you can do with it: standing rollouts with your hands on the board, pike ups with your feet on the board, getting in a plank with your feet on the board and then walking on your ...
by telemark
Fri Jul 26, 2019 5:10 pm
Forum: Investing - Theory, News & General
Topic: Is there a High Tech Bubble in S&P 500 & Total Market?
Replies: 152
Views: 10316

Re: Is there a High Tech Bubble in S&P 500 & Total Market?

My point is that these stocks do not have to be grouped tightly together at all, even in something like "high tech/internet", which can mean anything. Walmart gets half its sales from internet, but you wouldn't call it an "internet company". So, why associate Amazon with Facebook but not Walmart? W...
by telemark
Fri Jul 26, 2019 2:04 pm
Forum: Personal Consumer Issues
Topic: WiFi speed, is this normal?
Replies: 36
Views: 2794

Re: WiFi speed, is this normal?

Intermittent buffering of a movie could also be due to slowness on the host side (the streaming server) or congestion anywhere in the internet between the streaming service and you. Anecdotally, I often saw this on Netflix when I had CenturyLink as my ISP, even though a speed test showed 10 times th...
by telemark
Thu Jul 25, 2019 1:37 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4751
Views: 1228826

Re: What Movie Have You Recently Watched?

Detective Dee: The Four Heavenly Kings (2018). Back in the day, which would be the early 1990s, Tsui Hark used to make amazing movies in Hong Kong on tiny budgets. Now he's making amazing movies on much larger budgets, and a good thing too. Because I had watched the two previous Detective Dee movies...
by telemark
Sun Jul 21, 2019 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: When family members fight over the check when out to eat
Replies: 103
Views: 8356

Re: When family members fight over the check when out to eat

livesoft wrote:
Sun Jul 21, 2019 8:43 pm
I would encourage and enjoy a fist fight.

Pretty much nothing embarrasses me anymore at all.
A round of paper-scissors-rock is quicker and less likely to get the police involved.
by telemark
Sun Jul 21, 2019 2:43 pm
Forum: Personal Consumer Issues
Topic: Dumb phone
Replies: 35
Views: 2848

Re: Dumb phone

I still miss my old Palm Centro. It was actually designed to be useful as a personal information manager, rather than as a device whose primary purpose is to collect information and show me ads. Alas, it only supported 2G and I can't get coverage for that anymore.
by telemark
Sun Jul 21, 2019 2:21 pm
Forum: Investing - Theory, News & General
Topic: Are index funds becoming too popular?
Replies: 11
Views: 1750

Re: Are index funds becoming too popular?

I like Ben Carlson's take on this: Professional investors love to debate about what would happen if everyone indexed. These types of arguments are unhelpful because it's like asking what would happen if everyone started exercising regularly, eating right, saving money, avoiding credit card debt and ...
by telemark
Fri Jul 12, 2019 1:07 pm
Forum: Personal Investments
Topic: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?
Replies: 14
Views: 1108

Re: Which Portfolio is best for me? Core 4 vs 3 Fund vs Swensen?

The important thing is to get the stock/bond balance right; this will make much more of a difference than anything else. Past that, I think it mainly depends on your attitude towards rebalancing. Some people hate rebalancing and will seize on any excuse not to do it, and for them the 3-fund portfoli...
by telemark
Tue Jul 09, 2019 9:06 pm
Forum: Personal Investments
Topic: Should I rollover my Vanguard 401k to my Fidelity 401k?
Replies: 16
Views: 904

Re: Should I rollover my Vanguard 401k to my Fidelity 401k?

I have a very similar plan with Vanguard institutional funds and a stable value fund, and I plan to keep it, if not forever, at least indefinitely.
by telemark
Tue Jul 09, 2019 8:05 pm
Forum: Personal Consumer Issues
Topic: Open-source notepad with password encryption
Replies: 25
Views: 1573

Re: Open-source notepad with password encryption

GNU Emacs also integrates well with GPG. It's a lot more than just a text editor, but it does that too.
by telemark
Wed Jul 03, 2019 1:52 pm
Forum: Personal Investments
Topic: Any idea why S&P 600 is not so hot these days?
Replies: 19
Views: 2735

Re: Any idea why S&P 600 is not so hot these days?

Purely hypothetically, I would speculate that the current market and regulatory structure favors very large businesses over smaller ones. Facebook, Apple, and Google have all bought smaller companies in the past year or so. Netflix hasn't, that I have noticed, but they are spending a lot of money on...