Search found 2077 matches

by telemark
Thu Dec 14, 2017 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2732

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

In the past I've always contributed the yearly maximum, generally on the first trading day of the year. Next year there's some uncertainty about my continuing employment, so I plan to make contributions as the pay checks come in. I assume only the net pay, after deductions, can be counted for this:...
by telemark
Thu Dec 14, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?
Replies: 41
Views: 2732

Re: ROTH IRA Holders: How Many Of You Max Your Contribution On January 1st?

In the past I've always contributed the yearly maximum, generally on the first trading day of the year. Next year there's some uncertainty about my continuing employment, so I plan to make contributions as the pay checks come in. I assume only the net pay, after deductions, can be counted for this: ...
by telemark
Wed Dec 13, 2017 7:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VBMFX/VBTLX Bond Fund performance
Replies: 18
Views: 2340

Re: Vanguard VBMFX/VBTLX Bond Fund performance

venkman wrote:
Mon Dec 11, 2017 11:36 pm
They list VBTLX in the category of intermediate bond funds, but that's not really what it is.
Exactly. I think Morningstar also classifies Vanguard total market as a large cap fund, which it sort of is only not.
by telemark
Tue Dec 12, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: detergent without non-recyclable packaging?
Replies: 28
Views: 1583

Re: detergent without non-recyclable packaging?

Arm and Hammer powdered detergent comes in plain cardboard boxes. I buy it at the local Smiths grocery.
by telemark
Tue Dec 12, 2017 12:47 pm
Forum: Personal Consumer Issues
Topic: Concert Decision and Advice
Replies: 41
Views: 2252

Re: Concert Decision and Advice

A good live performance has an excitement and electricity that a recording can't match. Not all live performances are good, but this can't be predicted; that's part of what makes them interesting.
by telemark
Tue Dec 12, 2017 12:42 pm
Forum: Personal Consumer Issues
Topic: Scary episode with "intruder" in the home ... Google Home
Replies: 15
Views: 3876

Re: Scary episode with "intruder" in the home ... Google Home

If you allow for the decade when it was written, Fritz Leiber's "The Creature From the Cleveland Depths" is surprisingly spot on. Or E. M. Forster's "The Machine Stops".
by telemark
Tue Dec 12, 2017 12:52 am
Forum: Personal Consumer Issues
Topic: Space Heater Thermostat Temp-based or just Duty Cycle
Replies: 8
Views: 583

Re: Space Heater Thermostat Temp-based or just Duty Cycle

It depends on the model. I have a Vornado that has a real thermostat, and some others where the dial just adjusts the power output. Even with a real thermostat, the sensor is going to be part of the heating unit and thus located in the warmest part of the room when the heater is running.
by telemark
Sun Dec 10, 2017 10:00 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3951

Re: Buying index funds is just as speculative as buying Bitcoin

One other bit of advice: investing and emotions make a bad combination. If you like a company, by all means buy its products, but don't buy its stock, unless you can demonstrate rationally that the price has not already been bid up past its future value. This is why you see Bogleheads buying Teslas ...
by telemark
Sun Dec 10, 2017 3:22 pm
Forum: Investing - Theory, News & General
Topic: Buying index funds is just as speculative as buying Bitcoin
Replies: 64
Views: 3951

Re: Buying index funds is just as speculative as buying Bitcoin

Index investors buy stocks, but by the nature of index investing they don't set stock prices. By and large, prices are set by active investors, who do care about the underlying companies and research them carefully. This is why we see the occasional accusations that indexers are getting a free ride ...
by telemark
Sun Dec 10, 2017 2:47 pm
Forum: Personal Consumer Issues
Topic: Cell signal booster to fix -110 dBm 99aum signal strength
Replies: 9
Views: 562

Re: Cell signal booster to fix -110 dBm 99aum signal strength

That seems odd. I have Republic Wireless with a Moto E4 and the wifi calling works very well. I got it specifically because I spend time in a large building with bad cell coverage but good wifi. 3 Google WIFI devices should definitely give you good coverage. Perhaps your broadband connection is slow...
by telemark
Sat Dec 09, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 39
Views: 4438

Re: Why is Vanguard switching all accounts to brokerage accounts?

Are they switching all accounts? :o I have multiple MFs with Vanguard, have been with them decades. I have had no solicitation to convert to a brokerage account. Just saying! It's a rolling conversion, been going on since 2013. Your turn will come eventually. Mine was last spring, and I just ignore...
by telemark
Sat Dec 09, 2017 12:18 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard switching all accounts to brokerage accounts?
Replies: 39
Views: 4438

Re: Why is Vanguard switching all accounts to brokerage accounts?

As long as we're speculating, I'll speculate that it's a power grab by one division in Vanguard. I'll also speculate that some of these speculations are only speculations. Anyone here who really knows why Vanguard does anything probably also can't talk about it.
by telemark
Fri Dec 08, 2017 1:01 pm
Forum: Personal Consumer Issues
Topic: router - can I set it up myself?
Replies: 15
Views: 1090

Re: router - can I set it up myself?

Routers vary widely in what they can do, so which one is best will depend on your situation. Do you need to blanket a large house with fast wifi, or do you have a small apartment with lots of neighbors nearby? Will you be streaming video to multiple devices at once, or is your use limited to checkin...
by telemark
Fri Dec 08, 2017 11:15 am
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6679

Re: Bitcoin now the largest quantifiable bubble in history?

There are some use cases. People in Europe are working and sending money home via BTC to their families. I bought some meds I want to keep private using BTC just because it seemed like a fun thing to do in 2017. Sure, but you don't need a whole bitcoin to do something like that. As long as you buy ...
by telemark
Thu Dec 07, 2017 10:59 pm
Forum: Investing - Theory, News & General
Topic: There Are No Good Reasons to Buy Stock
Replies: 5
Views: 1625

Re: There Are No Good Reasons to Buy Stock

I bought stocks in the beginning of 2016, haven't bought any since and sold a couple of times. That's the great thing about rebalancing to a fixed allocation, you don't have to waste time and energy coming up with "reasons" to buy or sell.
by telemark
Thu Dec 07, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin now the largest quantifiable bubble in history?
Replies: 88
Views: 6679

Re: Bitcoin now the largest quantifiable bubble in history?

I was looking for a way to determine the correct value of Bitcoin that would be more rigorous than current methods. So I decided to flip a coin: heads would mean the current price is too high, tails would mean too low, if it landed on its edge that would mean the price is exactly right. But the coin...
by telemark
Wed Dec 06, 2017 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Anyone mirror AA acorss multiple accounts ?
Replies: 23
Views: 1560

Re: Anyone mirror AA acorss multiple accounts ?

Not now, but I mirrored two 401K plans for some years. It was convenient since the Fidelity web site makes it easy to see your allocation and rebalance within a plan. Eventually the bad plan grew enough that I reorganized, made a spreadsheet, and started managing them as a single portfolio.
by telemark
Tue Dec 05, 2017 11:57 am
Forum: Personal Consumer Issues
Topic: Growing Number of Electric Vehicles
Replies: 112
Views: 8335

Re: Growing Number of Electric Vehicles

And they don't use maps any more. I mean they can read directions off their phones, but puzzling their way around a map is impossible. (that, btw, I was travelling in the backwoods of Turkey about 30 years ago, and found that reading maps was just not a skill, people literally could not point to a ...
by telemark
Tue Dec 05, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Running Linux vs Other OS?
Replies: 33
Views: 1560

Re: Running Linux vs Other OS?

Some software doesn't run on Linux, for example the desktop version of Turbotax (the online version works) or the Sonos controller. In some cases it's possible to get these working with Wine, but I never had any luck when I tried. But Netflix now works well in both Chrome and Firefox.
by telemark
Tue Dec 05, 2017 11:42 am
Forum: Investing - Theory, News & General
Topic: The "petro," a Venezuelan oil-backed cryptocurrency
Replies: 32
Views: 2272

Re: The "petro," a Venezuelan oil-backed cryptocurrency

So they told us in school that a silver certificate could be exchanged for "silver," which sounded really neat, until we found out that all that it mean was that if you took a $1 bill to a bank they would give you four quarters in change. Big deal. So much for the dream of saving up your birthday m...
by telemark
Mon Dec 04, 2017 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Bond choices in multiple 401(k) accounts
Replies: 12
Views: 850

Re: Bond choices in multiple 401(k) accounts

I keep money in a 401K plan from a previous employer because its options are much better than my current 401K plan, and I've found the difficulty of doing this to be close to zero. With all the money in one fund you won't even have to rebalance, so why not leave it there? In your new plan, I would p...
by telemark
Sun Dec 03, 2017 9:12 pm
Forum: Forum Issues and Administration
Topic: Is it time to put limit of max 99 active Bitcoin topics?
Replies: 9
Views: 795

Re: Is it time to put limit of max 99 active Bitcoin topics?

There's a strong political component to Bitcoin that can't be discussed here, and IMO not discussing it means missing most of the point. But the same can be said about gold.
by telemark
Sat Dec 02, 2017 9:26 pm
Forum: Personal Consumer Issues
Topic: Moto G5 Plus: Software updates?
Replies: 79
Views: 4146

Re: Moto G5 Plus: Software updates?

I have its smaller, cheaper cousin the Motorola E4, and it's had two updates since last August, the second one only last week. I just see a notification on the screen with an option to apply it.
by telemark
Thu Nov 30, 2017 8:09 pm
Forum: Personal Consumer Issues
Topic: Older Software Engineer Advice ~ Languages?
Replies: 41
Views: 3282

Re: Older Software Engineer Advice ~ Languages?

Honestly, I think the whole language craze is way overblown. I tend to agree, but making a new language, even if it's only a slight variation on some other language, is more fun than solving actual problems. And, incidentally, requires less knowledge of anything outside of the world of coding, so y...
by telemark
Thu Nov 30, 2017 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: May you rebalance before the correction and...
Replies: 24
Views: 2740

Re: May you rebalance before the correction and...

and may your postilions ne'er be struck by lightning.
by telemark
Wed Nov 29, 2017 3:57 pm
Forum: Personal Consumer Issues
Topic: Is It Possible To Be Your Own ISP?
Replies: 7
Views: 997

Re: Is It Possible To Be Your Own ISP?

I used WiMax from Clear.com for a couple of years, until they shut it down. I think I was paying $35/month for 5Mbps down. You have to position the modem where it can get a good signal, which may require something like line of sight to one of their towers. Other than that it worked well enough. They...
by telemark
Sun Nov 26, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Bonds Are Riskier Than People Think
Replies: 137
Views: 12007

Re: Bonds Are Riskier Than People Think

I feel that feelings are a terrible way to choose one's investments.
by telemark
Sun Nov 26, 2017 8:38 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2909

Re: Wifi speakers-SONOS vs Echo/Google Home

I'd like to have a pair of speakers in the living room connected to the TV and also like to be able to hook up Chromecast Audio to those speakers to stream music via a Google Mini. What speakers would be good for this @ $200/pair or less? I guess I can connnect the Chromecast to the amp that I have...
by telemark
Sat Nov 25, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2909

Re: Wifi speakers-SONOS vs Echo/Google Home

+1 to the Chromecast Audio If my Squeezebox system vaporized overnight, I would simply put Chromecast Audios into my AVRs. I do have one CA in an AVR that doesn't get used often, but it is an extremely cost-effective option if you have an existing sound system. The Chromecast Audio is what the Sono...
by telemark
Sat Nov 25, 2017 3:38 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2909

Re: Wifi speakers-SONOS vs Echo/Google Home

Why do you need powered bookshelf speakers; or do you if your speakers are connected to an amplifier? What speakers do you think are good and comparable to the Sonos? If you have an amplifier you don't need powered speakers. I have a pair of Audioengine A5+ speakers driven by a Sonos Connect in one...
by telemark
Sat Nov 25, 2017 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: The fallacy of spending money on "experiences" vs hard assets
Replies: 336
Views: 17434

Re: The fallacy of spending money on "experiences" vs hard assets

A nice car and a home theater are both experiences, assuming you use them. But situations vary. For me a more expensive car would mean higher taxes, higher insurance payments, more worry about minor or major accidents, and I have nowhere to drive it that isn't choked with traffic so the experience w...
by telemark
Thu Nov 23, 2017 1:51 pm
Forum: Personal Consumer Issues
Topic: Wifi speakers-SONOS vs Echo/Google Home
Replies: 30
Views: 2909

Re: Wifi speakers-SONOS vs Echo/Google Home

Do you need multiroom? I'm happy with my Sonos equipment, but if I were buying now I'd get a pair of powered bookshelf speakers and a Chromecast Audio.
by telemark
Tue Nov 21, 2017 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Help DW gets fired, but then next day her boss offers her job back
Replies: 156
Views: 12139

Re: Help DW gets fired, but then next day her boss offers her job back

rob wrote:
Tue Nov 21, 2017 9:57 pm
Careful about reduced hours.... Make sure it's not dropping her below the benefits.
Or they might agree to "reduced" hours and then pressure her to work as much as before.
by telemark
Tue Nov 21, 2017 6:18 pm
Forum: Personal Consumer Issues
Topic: LED Lightbulbs - Recommended Brands
Replies: 48
Views: 2905

Re: LED Lightbulbs - Recommended Brands

Another option is to replace the entire fixture with one that has the LEDs built in. I did that in my kitchen about a year ago and so far it's been great.
by telemark
Tue Nov 21, 2017 5:03 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Allocation Change - Thoughts?
Replies: 4
Views: 428

Re: 401k Allocation Change - Thoughts?

If you are obsessive about matching market weights exactly, as some here are, you would hold large cap and extended market in a 4/1 ratio. In this case I think that would make about 57% in large and 13% in extended. Or round it to 55 and 15. But what you have is fine, some people prefer to overweigh...
by telemark
Mon Nov 20, 2017 12:05 am
Forum: Personal Consumer Issues
Topic: Firefox upgrade broke my add-on, switched to Waterfox
Replies: 28
Views: 3582

Re: Firefox upgrade broke my add-on, switched to Waterfox

My first thought was that the new version was much, much slower. Then I noticed it had disabled uBlock Origin. Fortunately that was easy to get working again. I will look at Waterfox.
by telemark
Sun Nov 19, 2017 11:35 am
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3348

Re: Value of 401k Employer Match vs. Salary Equivalent

True, and adding bonds or REIT would make the taxable account look even worse. But 50 years is not a reasonable assumption, IMO. What does our hypothetical investor use for income between 65 and 80? If she keeps adding money up to the age of 65 and increases the contribution amount as her income inc...
by telemark
Sat Nov 18, 2017 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3348

Re: Value of 401k Employer Match vs. Salary Equivalent

IMO, a dollar lost in 401k matches is worth more than $1 to you today. Your marginal tax bracket is 25%, while its true that your employer is able to deduct that match as employee compensation, that is not the question. The answer is if you had to replace that $5K match outside of the 401K plan (as...
by telemark
Fri Nov 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3348

Re: Value of 401k Employer Match vs. Salary Equivalent

Look at it another way. Suppose your new employer offered you the choice of $80,000 in salary or $75,000 plus a $5,000 match, vested immediately. If you take the $80,000, you could contribute $5000 to the plan through salary withholding and still collect $76,250 in salary. Which would you choose? T...
by telemark
Thu Nov 16, 2017 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401K fund choices, please
Replies: 12
Views: 734

Re: Help with 401K fund choices, please

Sorting the funds by expense ratio produces 1557 Voya Russell Lrg Cap Index Port I ER .38 1560 Voya Russell Mid Cap Index Port I ER .44 1563 Voya Russell Sm Cap Index Port I ER .46 0004 Voya Intermediate Bond Port I ER .54 0735 Dodge & Cox International Stock Fund ER .64 0111 VY TRowePrice Grwth Eqt...
by telemark
Thu Nov 16, 2017 8:53 pm
Forum: Investing - Help with Personal Investments
Topic: Bitcoin: Significance of 12 transactions per second?
Replies: 28
Views: 3248

Re: Bitcoin: Significance of 12 transactions per second?

My very simplified model of blockchain is that it make it possible, with considerable extra time, complexity, and expense, to do in a decentralized way the same things that could be done much more simply and easily in a centralized way, by keeping a ledger somewhere. The extra time and expense canno...
by telemark
Thu Nov 16, 2017 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3348

Re: Value of 401k Employer Match vs. Salary Equivalent

Look at it another way. Suppose your new employer offered you the choice of $80,000 in salary or $75,000 plus a $5,000 match, vested immediately. If you take the $80,000, you could contribute $5000 to the plan through salary withholding and still collect $76,250 in salary. Which would you choose? Th...
by telemark
Thu Nov 16, 2017 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Value of 401k Employer Match vs. Salary Equivalent
Replies: 34
Views: 3348

Re: Value of 401k Employer Match vs. Salary Equivalent

Assuming you stay long enough to be completely vested, its value to you is what you would give up in salary to put the money there through withholding. Assuming your marginal tax bracket is 25%, that would be 5000 * 0.75, or $3750.
by telemark
Thu Nov 16, 2017 12:29 am
Forum: Investing - Theory, News & General
Topic: The passive investing trap
Replies: 23
Views: 4690

Re: The passive investing trap

Currently, with complacency and optimism near record levels, no one sees a severe market retracement as a possibility.
He must be reading a different financial press than I do.
by telemark
Sun Nov 12, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7004

Re: Swedish Death Cleaning [De-clutter your home]

mouses wrote:
Sun Nov 12, 2017 5:09 am
There were three wheelbarrows in my parents' garage. Two people were very happy to get two of them via freecycle, including one lady who was building her own house. That was an interesting morning.
I did not know about freecycle. Thank you!
by telemark
Sat Nov 11, 2017 7:14 pm
Forum: Personal Consumer Issues
Topic: Swedish Death Cleaning [De-clutter your home]
Replies: 63
Views: 7004

Re: Swedish Death Cleaning [De-clutter your home]

I'm cleaning up after a deceased relative now and it's not the valuable things or the sentimental ones that surprise me, but the sheer accumulation of ordinary things, all of them perfectly useful if you happen to need one. But what could one person hope to do with that many cable ties? Or staples? ...
by telemark
Fri Nov 10, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 578

Re: Portable handholds for seniors

Thank you everyone, good points all round. I will look into getting a professional evaluation.
by telemark
Thu Nov 09, 2017 10:26 pm
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 578

Re: Portable handholds for seniors

That might ultimately prove useful, but I'm interested in things that can be done immediately.
by telemark
Thu Nov 09, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Portable handholds for seniors
Replies: 8
Views: 578

Portable handholds for seniors

I have a family member in her mid 80s developing mobility problems. She wants to stay in her apartment as long as possible ("until I die", in her words). It isn't set up for this, but at the moment a few handholds at strategic places would be enormously helpful. Has anyone tried the various portable...
by telemark
Tue Nov 07, 2017 8:07 am
Forum: Investing - Theory, News & General
Topic: Who owns Vanguard? Schwab and Fidelity!
Replies: 27
Views: 3656

Re: Who owns Vanguard? Schwab and Fidelity!

I own VGSNX (Vanguard Institutional REIT) in a Fidelity 401K and have already voted those shares. Come on, guys, what do you think the Institutional share classes are for? Fidelity manages a lot of 401K plans.