Search found 2246 matches

by telemark
Mon Jul 16, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 112
Views: 6515

Re: Why own a bed?

This has been discussed before.

viewtopic.php?t=97232
by telemark
Mon Jul 16, 2018 6:10 am
Forum: Investing - Help with Personal Investments
Topic: Realizing 85% of 401k contribution going to bonds
Replies: 18
Views: 1709

Re: Realizing 85% of 401k contribution going to bonds

Pretty normal in a bull market. I consider it a good thing: your bonds (and your entire portfolio) are growing faster than they would otherwise, and you don't have to worry about paying too much for stocks. At some time in the future you will find most of your contributions going into stocks: your o...
by telemark
Sat Jul 14, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1081

Re: Online Savings Account w/o thawing CR

American Express Personal Savings. No credit check and they were at 1.75% before Ally was. Actually, I think Ally is pretty much alone in requiring a credit check for a savings account. The article I linked to right before your post ( https://www.bankrate.com/banking/why-your-bank-may-ask-you-to-un...
by telemark
Sat Jul 14, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Online Savings Account w/o thawing CR
Replies: 18
Views: 1081

Re: Online Savings Account w/o thawing CR

American Express Personal Savings. No credit check and they were at 1.75% before Ally was.

Actually, I think Ally is pretty much alone in requiring a credit check for a savings account.
by telemark
Fri Jul 13, 2018 8:47 am
Forum: Personal Consumer Issues
Topic: When does frugal cross the line to cheapskate?
Replies: 136
Views: 9351

Re: When does frugal cross the line to cheapskate?

KyleAAA wrote:
Fri Jul 13, 2018 12:08 am
When someone else does it.
Bingo. I am prudent and responsible, others are stingy misers.
by telemark
Sat Jul 07, 2018 8:34 am
Forum: Personal Finance (Not Investing)
Topic: How to "retire" in your 30's article
Replies: 110
Views: 14492

Re: How to "retire" in your 30's article

It's not hard to find posts here on bogleheads.org from people announcing their retirement, with spouse expected to follow at some time in the future. Are these people not really retired and should we force scare quotes on them, maybe with a separate roll call for the merely "retired"? I don't think...
by telemark
Tue Jul 03, 2018 9:44 pm
Forum: Personal Consumer Issues
Topic: How do I fix my heating bill?
Replies: 73
Views: 3292

Re: How do I fix my heating bill?

Do you have storm windows? Interior custom storms might be an option on those big A-frame windows. I've even seen people make homemade storms (essentially plastic sheeting stapled to window frames) to stop air infiltration in winter. Heavy drapes would also help. A simple DIY method is to apply bub...
by telemark
Tue Jul 03, 2018 9:14 pm
Forum: Investing - Theory, News & General
Topic: Does the Vanguard Total Bond Market Index Fund ever sell bonds?
Replies: 4
Views: 897

Re: Does the Vanguard Total Bond Market Index Fund ever sell bonds?

Morningstar shows a turnover of 55% for VBMFX, so I'm thinking probably yes :wink:
by telemark
Tue Jul 03, 2018 6:24 pm
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11826

wait, that didn't actually happen

What a world we live in where "nobody came" means "over twice as many came as were invited to the party". Somehow the subject of bonds always brings out the hyperbole. Remember when Bill Gross compared the bond market to the Battle of the Somme ? Many people showed up and there was no massacre. Oth...
by telemark
Wed Jun 27, 2018 7:16 pm
Forum: Personal Consumer Issues
Topic: Recommendations for ice machine
Replies: 22
Views: 1650

Re: Recommendations for ice machine

Not related to the ice maker, but I have been making cold-brewed iced tea lately, with good success. It takes some planning ahead. I do this with green tea. Comes out very smooth and light, compared to brewing hot and then icing. Freezing some water and heating some other water so you can mix them ...
by telemark
Fri Jun 22, 2018 10:54 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Fund Yield reached 1.99% today
Replies: 18
Views: 3828

Re: Vanguard Prime Fund Yield reached 1.99% today

Rates are going up all over. American Express Personal Savings is now at 1.75%.
by telemark
Wed Jun 20, 2018 3:32 pm
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13901

Re: Oh my! Cardone says we need $10m net worth

There are people living paycheck to paycheck on the median income, and also on five to ten times the median income. What they generally have in common is the belief that they can't possibly save anything, but if they only had a little more money, then they could start saving. There are also people w...
by telemark
Wed Jun 20, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13901

Re: Oh my! Cardone says we need $10m net worth

TravelGeek wrote:
Tue Jun 19, 2018 11:46 pm
On the other hand, I don't know a single software engineer who is part time unless they are doing contract work (think locums in your world).
The part time software engineers are the ones only working 60-70 hours a week.
by telemark
Wed Jun 20, 2018 8:42 am
Forum: Personal Consumer Issues
Topic: gray hair
Replies: 130
Views: 8432

Re: gray hair

I've never tried coloring, but if I did I would go for something in pink or maybe a tasteful shade of green. I want people laughing for the right reasons.
by telemark
Sun Jun 17, 2018 1:10 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13901

Re: Oh my! Cardone says we need $10m net worth

This is getting silly. What if you want to found a Moon colony? 10 million isn't going to be nearly enough.

Maybe we should focus on the last word in that sentence.
by telemark
Sat Jun 16, 2018 6:26 am
Forum: Investing - Theory, News & General
Topic: Oh my! Cardone says we need $10m net worth
Replies: 104
Views: 13901

Re: Oh my! Cardone says we need $10m net worth

Oh my gosh! What if I retire on too little money and then lose my job? I never thought about that. He truly is an innovative thinker.
by telemark
Sat Jun 16, 2018 4:25 am
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2275

Re: Vanguard email about transition fund accounts to new brokerage platform

Don't forget benefits 6 and 7:
* our IT people have career plans that don't involve working on legacy systems.
* our little foray into low cost index funds didn't work out too well, so we are returning to our core strength of providing brokerage services.
by telemark
Thu Jun 14, 2018 9:10 pm
Forum: Personal Consumer Issues
Topic: Life in retirement - what did you do today?
Replies: 194
Views: 17432

Re: Life in retirement - what did you do today?

This week has been a little busy and it's not over yet, but that isn't a typical week for me. A good thing, too, because I couldn't take the pace. Ordinarily, as a recent retiree I've fallen into the pattern of alternating busy days, when I run around and try to accomplish things, with lazy days, wh...
by telemark
Wed Jun 13, 2018 1:34 am
Forum: Investing - Theory, News & General
Topic: Why does CAPM make sense?
Replies: 23
Views: 1126

Re: Why does CAPM make sense?

CAPM is not an iron law that none can escape. It's a model, and as George E. P. Box famously said, all models are wrong. He went on to say that some models are useful, and the interesting question is when and how can CAPM be useful. Risk-adjusted return is certainly a useful concept but difficult to...
by telemark
Wed Jun 13, 2018 12:37 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

It's not at all hard to check at ssa.gov. I'm under the impression that it won't be that easy to check. I don't think I can check it with my credit being frozen, which I froze after the Experian leak. Can I get the information at my local SS office? Thaw your credit, create an account at SSA.gov, t...
by telemark
Tue Jun 12, 2018 12:40 am
Forum: Personal Finance (Not Investing)
Topic: Are you including SS in your planning model? Are the benefits really that high?
Replies: 148
Views: 11662

Re: Are you including SS in your planning model? Are the benefits really that high?

wrongfunds wrote:
Sat Jun 09, 2018 8:33 am
Doesn't everybody on this forum aspire to be in the 8-figure club?
Nope.
by telemark
Sun Jun 03, 2018 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: is Having more and needing less normal?
Replies: 113
Views: 8795

Re: is Having more and needing less normal?

Speaking as a very recent retiree, I'm discovering that a lot of things I used to do were reactions, in one way or another, to pressure at work. I still like doing them, but now that I'm not working I don't feel the need to squeeze every last bit of enjoyment out of my precious free time, or reward ...
by telemark
Fri Jun 01, 2018 1:51 pm
Forum: Personal Consumer Issues
Topic: Name something you had to have and now you regret purchasing it?
Replies: 387
Views: 44938

Re: Name something you had to have and now you regret purchasing it?

A bag of pinon flavored coffee I picked up in Albuquerque. I thought there would be just a subtle hint of pinon nuts, but I can't even taste the coffee beans. Oh, well.
by telemark
Thu May 31, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Home printer
Replies: 50
Views: 3292

Re: Home printer

You can often get more life out of a toner cartridge by taking it out, shaking it gently, and putting it back in. I'm still on the starter cartridge for the Brother printer I bought in 2012, but I don't print a lot.
by telemark
Wed May 30, 2018 9:19 am
Forum: Personal Consumer Issues
Topic: Router hack, have you acted?
Replies: 101
Views: 9025

Re: Router hack, have you acted?

Mine is not on the list (Google network box) but I rebooted it anyway, because why not?
by telemark
Sun May 27, 2018 9:26 pm
Forum: Personal Consumer Issues
Topic: Please help with grocery budget
Replies: 51
Views: 4386

Re: Please help with grocery budget

Spaghetti is good, but I would add eggs, oatmeal, bananas, rice, and chicken. Baked beans and sauerkraut.
by telemark
Sat May 26, 2018 4:03 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1520

Re: Heart rate monitor

Best deal I have seen on the Slice is about $45 from REI, which I saw after I bought mine from Amazon for $69. So I bought two more for my sons. That was timely. My two year old Mio Fuse just died, so I picked up a Slice on closeout at REI. Not impressed by the PAI thing, but that's not why I use a...
by telemark
Fri May 25, 2018 11:57 am
Forum: Personal Consumer Issues
Topic: Heart rate monitor
Replies: 12
Views: 1520

Re: Heart rate monitor

Best deal I have seen on the Slice is about $45 from REI, which I saw after I bought mine from Amazon for $69. So I bought two more for my sons. That was timely. My two year old Mio Fuse just died, so I picked up a Slice on closeout at REI. Not impressed by the PAI thing, but that's not why I use a...
by telemark
Thu May 17, 2018 11:22 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 719
Views: 78088

Hap and Leonard

I haven't read that much of Joe R. Lansdale's copious writings, but I've always enjoyed them when I did. Had I known there was a TV series based on his eponymous characters--for example, if Netflix had bothered to inform me of this instead of incessantly plugging their own mediocre offerings--I woul...
by telemark
Fri May 11, 2018 12:55 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4915

Re: Anyone buy carbon offsets when flying?

And how many calories does it take to move a two-ton vehicle one mile? Answering my own question, a gallon of gasoline contains about 31,000 calories. Assuming, since I'm feeling generous, that the vehicle in question gets 40MPG, that would be 775 calories. For more on this topic, see https://auto....
by telemark
Fri May 11, 2018 12:41 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4915

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Fri May 11, 2018 12:23 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4915

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Fri May 11, 2018 12:02 pm
Forum: Personal Consumer Issues
Topic: Anyone buy carbon offsets when flying?
Replies: 111
Views: 4915

Re: Anyone buy carbon offsets when flying?

For those of you saving the planet by walking to work, what makes you think that emits net less carbon than driving? There is no free energy and cars are remarkably efficient at burning fuel (humans, not so much). The car has to move not only me but also a ton or so of metal and plastic. Also, the ...
by telemark
Wed May 09, 2018 6:19 pm
Forum: Personal Finance (Not Investing)
Topic: Pay capital gains now, avoid ACA cliff later?
Replies: 22
Views: 2787

Re: Pay capital gains now, avoid ACA cliff later?

New information. I found out I can get Cobra insurance from my employer for 18 months. I'd like to retire in June,2020, then Cobra will cover me for the rest of that year and the next year. I could realize my big gains in that time period and not worry about ACA cliff. Does that sound like a good p...
by telemark
Wed May 02, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Ineligible Roth IRA contribution - unemployed
Replies: 6
Views: 799

Re: Ineligible Roth IRA contribution - unemployed

Many people here, well, some people here contribute the maximum allowed on January 2nd, and obviously they will not have that much earned income at that point.
by telemark
Wed May 02, 2018 12:21 am
Forum: Personal Consumer Issues
Topic: Keyboard key labels wearing off...
Replies: 19
Views: 1288

Re: Keyboard key labels wearing off...

"they don't make 'em like they used to"

Sometimes they do. If you don't mind the price, there's a project to build a new run of the IBM model F keyboards at

https://www.modelfkeyboards.com/

But I'm happy with my Model M from Unicomp. Tried a bunch of the others, keep coming back to this one.
by telemark
Mon Apr 30, 2018 2:06 pm
Forum: Personal Consumer Issues
Topic: What Android browser do you use?
Replies: 44
Views: 2859

Re: What Android browser do you use?

Firefox with uBlock Origin.
by telemark
Tue Apr 24, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3602
Views: 1027261

Re: What Movie Have You Recently Watched?

Two movies still in theaters, A Wrinkle in Time and Tomb Raider. And a pattern I hadn't expected, young women setting out in search of their missing fathers. It's been a long time since I read the book, but I thought A Wrinkle in Time got the book mostly right. Since I consider it almost a miracle w...
by telemark
Tue Apr 24, 2018 10:03 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard account locked out due to deceased owner]
Replies: 73
Views: 5719

Re: [Vanguard account locked out due to deceased owner]

Question for future reference.. We have signed and notarized a full control-full access among 3 persons to all accounts held individually by each of these 3 persons. That means, VG allows any one of 3 user logons to be used to BOTH see and execute trades, buy, sell, exchange by any of the 3 in any ...
by telemark
Sun Apr 22, 2018 8:19 am
Forum: Investing - Theory, News & General
Topic: Boglehead Philosophy Open To Change?
Replies: 197
Views: 10221

Re: Boglehead Philosophy Open To Change?

There's an understandable tendency to want to think that whatever investment strategy one is currently following must be the best of all possible investment strategies, far far superior to anything else, and this kind of overenthusiasm does show up here from time to time.* It's already been pointed ...
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: 227
Views: 31004

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: 636

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: 2439

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: 3602
Views: 1027261

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: 856

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: 856

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: 15
Views: 2085

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: 80
Views: 20575

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: 227
Views: 31004

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...