Search found 2269 matches

by telemark
Thu Aug 16, 2018 2:15 pm
Forum: Personal Finance (Not Investing)
Topic: Using ACA for early retirement years
Replies: 95
Views: 5401

Re: Using ACA for early retirement years

I'm still on COBRA, but the existence of the ACA was a big factor in my decision to retire at 58. The current uncertainty has lasted eight years already and may continue for who knows how long, and I didn't want to wait. In the worst case I will go back to work again: the tax exemption for employer-...
by telemark
Thu Aug 16, 2018 6:00 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038252

Re: What Movie Have You Recently Watched?

For anyone interested, Grave of the Fireflies will be showing in U.S. theaters one time each on Sunday, Monday, and Wednesday. Monday is with subtitles, the others are the English dubbed version. I've never seen this one, but if it's like other Studio Ghibli films it should look much better on a bi...
by telemark
Thu Aug 16, 2018 5:57 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2076

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

9600 bps can refresh the screen faster than you can read it. Why would anyone need more?
by telemark
Mon Aug 13, 2018 11:25 am
Forum: Investing - Help with Personal Investments
Topic: REIT placement... Why not a Roth? Why tax-deferred?
Replies: 25
Views: 1547

Re: REIT placement... Why not a Roth? Why tax-deferred?

First, I recommend studying the arguments in Bernstein's essay Do Your Asset Classes Care Where They Are? Second, "tax free growth" is one of those phrases that advisors love to pull out when they want to convince you of something. Since it doesn't actually mean much of anything*, it can be applied ...
by telemark
Sat Aug 11, 2018 6:45 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3654
Views: 1038252

Re: What Movie Have You Recently Watched?

For anyone interested, Grave of the Fireflies will be showing in U.S. theaters one time each on Sunday, Monday, and Wednesday. Monday is with subtitles, the others are the English dubbed version. I've never seen this one, but if it's like other Studio Ghibli films it should look much better on a big...
by telemark
Sat Aug 11, 2018 3:43 am
Forum: Investing - Theory, News & General
Topic: I had a meeting with David Swensen tonight!
Replies: 59
Views: 9447

Re: I had a meeting with David Swensen tonight!

For a less cherry-picked comparison, I went to Portfolio Visualizer and generated the following. https://www.portfoliovisualizer.com/backtest-portfolio?s=y&timePeriod=2&startYear=2008&firstMonth=7&endYear=2018&lastMonth=7&endDate=08%2F10%2F2018&initialAmount=10000&annualOperation=0&annualAdjustment=...
by telemark
Fri Aug 10, 2018 1:25 am
Forum: Investing - Theory, News & General
Topic: NYT: The Big, Dangerous Bubble in Corporate Debt
Replies: 18
Views: 3494

Re: NYT: The Big, Dangerous Bubble in Corporate Debt

I'm going to disagree with this part specifically In the years leading up to the 2008 financial crisis, a sustained period of low interest rates led to a widespread deterioration of credit standards for mortgages, among other securities. The same thing is happening now for other kinds of loans and d...
by telemark
Thu Aug 09, 2018 1:46 am
Forum: Personal Finance (Not Investing)
Topic: "Why are you leaving your current job?"
Replies: 24
Views: 2304

Re: "Why are you leaving your current job?"

Imagine you are on a first date with someone, and that person insists on complaining at great length about his or her previous partner. Is this something you want to hear? What if you find yourself sympathizing with the previous partner? This is not a question you can win; whatever you say, I would ...
by telemark
Wed Aug 08, 2018 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Check image won't print
Replies: 5
Views: 388

Re: Check image won't print

The state of the web and various browsers is such that it's almost impossible to make anything work reliably, especially across different browsers with different add-ons, and the whole thing is a security nightmare. So of course people want to move more and more off the desktop and into browsers. So...
by telemark
Wed Aug 08, 2018 11:23 am
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 46
Views: 8113

Re: Salt Lake City Bogleheads

Ok. I went to the March 3rd meeting and nobody was there, so I was unsure if there were still meetings going on . . . . there just wasn't a great way to contact anybody if you were a new attendee and then cookymonster asked if May 5 meeting was still a go on May 4th, and nobody responded so I assum...
by telemark
Wed Aug 08, 2018 11:14 am
Forum: Personal Finance (Not Investing)
Topic: Comfort level with Credit Card Balance
Replies: 86
Views: 5251

Re: Comfort level with Credit Card Balance

I use an automated payment to pay the full statement balance each month a few days before it is due, so I pay no interest. By that time I generally will have accumulated other new charges, so the current balance rarely goes to zero. I enjoy not having to think about the process: does that count as a...
by telemark
Sat Aug 04, 2018 2:12 am
Forum: Personal Consumer Issues
Topic: best place to hide a key
Replies: 63
Views: 4656

Re: best place to hide a key

There are lots of choices for home combination safes, and perhaps some of them could be adapted for a car. See

https://www.homedepot.com/b/Tools-Safet ... dsZ1z0qogx

or just search for "combination key safe."
by telemark
Fri Aug 03, 2018 6:44 pm
Forum: Local Chapters and Bogleheads Community
Topic: Salt Lake City Bogleheads
Replies: 46
Views: 8113

Re: Salt Lake City Bogleheads

I'm not one of the organizers but I attended the May 5 meeting. There was road work up and down the street making it difficult to find the building. The organizer was out of town and I think the presenter had to be at a soccer game, but we had a nice time just chatting. It turns out that Bogleheads ...
by telemark
Wed Aug 01, 2018 8:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53167

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

This is great news. I just logged onto my 401k account at Fidelity. FSKTX was 0.03% last time I checked a few months back. It's now 0.015%. FTIPX was 0.10% last time I checked a few months back. It's now 0.06%. If those expenses drop even further to zero, as the article indicates, this will be incr...
by telemark
Wed Aug 01, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Unexpected early retirement - requesting advice
Replies: 56
Views: 6596

Re: Unexpected early retirement - requesting advice

70/30 feels way too aggressive to me, but I'm older and don't have $3 million to work with. Currently at 50/50 with about $1.25 million, but my projected expenses are also lower. On the expensive funds, I would drop them immediately. Costs definitely matter when you're at 1% and higher. > What do yo...
by telemark
Wed Aug 01, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)
Replies: 625
Views: 53167

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

No minimum is interesting. I have slightly under $2500 orphaned in a rollover Roth at Fidelity that is currently split between an ETF and cash because of fund minimums. Now I can move it into FPMAX and not have to mess with only buying whole shares. Other than that, while it's a neat trick I don't t...
by telemark
Wed Aug 01, 2018 9:45 am
Forum: Personal Consumer Issues
Topic: First smartphone:What to buy and what prepaid plan to sign on?
Replies: 27
Views: 2158

Re: First smartphone:What to buy and what prepaid plan to sign on?

I have a Moto E4 and like it well enough. The battery life is not great but it charges quickly and best of all, the battery is replaceable. The main downside is delayed OS updates from Motorola, a common problem with budget phones. If I were buying now I would also look at the new Nokia 6.1: there i...
by telemark
Mon Jul 30, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9323

Re: Tips for staying active / injury-free into older age

google Miranda Esmond White. She is a 60-something former ballerina from Canada. She is not a fan of weight lifting and she says fitness has these components: 1. strength 2. flexibility 3. range of motion 4. balance I would add coordination and general kinesthetic awareness to that, but it's a good...
by telemark
Sat Jul 28, 2018 10:52 pm
Forum: Personal Consumer Issues
Topic: Tips for staying active / injury-free into older age
Replies: 130
Views: 9323

Re: Tips for staying active / injury-free into older age

After numerous sprains and fractures, two hip replacements and one open heart surgery, I'm in no position to offer advice on staying injury free, but if you're interested in advice from a different perspective, I would say "never give up." Find something that works for you, and if (or when) it stops...
by telemark
Mon Jul 23, 2018 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Am I secure using my computer for financial services?
Replies: 23
Views: 2805

Re: Am I secure using my computer for financial services?

A VPN is useful if you are sharing your local internet connection with people you don't know or trust. Examples would be the wifi at a hotel or coffee shop. This does not appear to describe you, so I would not bother with it. But you should probably turn on the Windows firewall, if it isn't already ...
by telemark
Thu Jul 19, 2018 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: What is the most severe hyperbolic discounting you have ever acted on?
Replies: 30
Views: 2399

Re: What is the most severe hyperbolic discounting you have ever acted on?

I know that getting out of bed and starting the day will eventually lead to me being happier, but the immediate bliss of staying in bed tends to cloud my judgement.

P.S. One can read the Wikipedia article to mean that people are naturally lousy at math.
by telemark
Wed Jul 18, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9710

Re: Why own a bed?

This has been discussed before. https://www.bogleheads.org/forum/viewtopic.php?t=97232 I just gotta say, this place is amazing! Who would have thought this would have been discussed ... before ! :o Moreiver, that someone would look it up! I ran across it a few months ago while researching mattresse...
by telemark
Wed Jul 18, 2018 11:24 am
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6425

Re: $540 a month on food for graduate student budget too much?

This will probably appall the more accomplished cooks here, but here is a simple recipe. You will need: a casserole dish, a sauce pan, a stove and a microwave oven some rice, whatever type you prefer a can of chile, whatever brand you prefer Cook the rice according to directions (two parts water to ...
by telemark
Mon Jul 16, 2018 11:05 am
Forum: Personal Consumer Issues
Topic: Why own a bed?
Replies: 140
Views: 9710

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: 21
Views: 2662

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: 1148

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: 1148

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: 10021

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: 14864

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: 3458

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: 922

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: 12309

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: 1701

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: 3867

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: 14085

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: 14085

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: 8613

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: 14085

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: 14085

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: 2374

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: 17844

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: 1162

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: 11889

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: 11889

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: 8922

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: 45501

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: 3387

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: 9215

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: 4450

Re: Please help with grocery budget

Spaghetti is good, but I would add eggs, oatmeal, bananas, rice, and chicken. Baked beans and sauerkraut.