Search found 2341 matches

by telemark
Sat Jan 19, 2019 8:24 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4057
Views: 1102952

Re: What Movie Have You Recently Watched?

Monkey Business on Turner Classic Movies (TCM) channel. The movie stars Cary Grant and Ginger Rogers in a nice comedy. A scientist tries to develop a youth restoring potion, tries it out himself and his wife then tries as well. +1. I usually think of Ginger Rogers as a dancer, but here she is an ex...
by telemark
Thu Jan 17, 2019 12:44 pm
Forum: Personal Finance (Not Investing)
Topic: What is US Bank up to?! Easy Checking Secret Changes!
Replies: 11
Views: 1347

Re: What is US Bank up to?! Easy Checking Secret Changes!

Thank you for bringing this to my attention. My checking account is at US Bank, because they bought the bank that bought the bank that bought the bank I originally started with, whose name I no longer remember. They have ATMs all over town and I've always been happy with their service. At this point...
by telemark
Sun Jan 13, 2019 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investment options
Replies: 10
Views: 699

Re: 401k Investment options

When I see a long list of 401K options I like to start by sorting them by expense ratios, because sometimes good funds get overlooked in the scrum. In this case this produces Key Guaranteed Portfolio Fund Fixed N/A / N/A Vanguard 500 Index Admiral 0.04 VFIAX Vanguard Mid Cap Index Fund - Admiral 0.0...
by telemark
Fri Jan 11, 2019 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Biggest Investment Mistake
Replies: 164
Views: 11303

Re: Biggest Investment Mistake

Not opening a Roth IRA much, much earlier. I won't make that mistake again.
by telemark
Fri Jan 11, 2019 1:12 pm
Forum: Investing - Help with Personal Investments
Topic: Just Retired, need some help on what to do with my 401k
Replies: 18
Views: 2164

Re: Just Retired, need some help on what to do with my 401k

Thank you very much for the responses everyone! (sorry UbP, did not intend to offend) My 401k is in 2 funds with Transamerica Fidelity 500 Index Institutional Prem $79,515 (FXAIX) Gross Expense Ratio 0.01% / Net Expense Ratio 0.01% Fidelity Mid Cap Index Instl Prem $47,337 (FSMDX) Gross Expense Rat...
by telemark
Thu Jan 10, 2019 2:55 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 353
Views: 50072

Re: Good Modern Science Fiction

ABSOLUTELY second the recommendation for William Gibson's trilogy of Neuromancer, Count Zero, and Mona Lisa Overdrive! They are fantastic. FWIW, the SFWA just named William Gibson their 35th Damon Knight Grand Master : The Science Fiction and Fantasy Writers of America (SFWA, Inc.) is pleased to an...
by telemark
Thu Jan 10, 2019 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5636

Re: How did you solve the pre-medicare healthcare riddle?

Retired at 58 last April with a heart condition, did COBRA until the end of the year, now on a subsidized bronze ACA plan. I'm living on my taxable investments while doing yearly Roth conversions to keep my modified AGI in range. At some point I will run out of taxable money and start doing straight...
by telemark
Sat Jan 05, 2019 7:54 pm
Forum: Personal Finance (Not Investing)
Topic: How much money do you want to retire?
Replies: 714
Views: 92215

Re: How much money do you want to retire?

I don't personally know anyone who retired truly voluntarily. I'm sure they exist, but not among the retired people I actually know. The ones I know all retired because they pretty much had to - layoffs followed by inability to continue their career, other changes at their jobs or businesses, healt...
by telemark
Wed Jan 02, 2019 8:26 pm
Forum: Personal Consumer Issues
Topic: keeping warm in outside windy, freezing temperature and also inside office
Replies: 35
Views: 2172

Re: keeping warm in outside windy, freezing temperature and also inside office

Not the question you asked, but when I was working I'd just duck into the restroom and change after I got to the office. Ski clothes in winter, running shorts in summer. That was to cover about a mile and a half between the train station and my employer's building; if I were walking in from the park...
by telemark
Wed Jan 02, 2019 11:57 am
Forum: Personal Consumer Issues
Topic: Using less plastic
Replies: 69
Views: 1857

Re: Using less plastic

Advocating for a ban on plastic bags would be political. Discussing ways to voluntarily reduce one's own plastic use is not. It's not a difficult distinction to make.
by telemark
Wed Jan 02, 2019 11:33 am
Forum: Investing - Theory, News & General
Topic: Will Total US Bond Index fund have a positive return for 2018?
Replies: 13
Views: 2060

Re: Will Total US Bond Index fund have a positive return for 2018?

In other news, VFIUX (intermediate Treasuries) finished the year up 1.10%.
by telemark
Wed Jan 02, 2019 12:45 am
Forum: Investing - Help with Personal Investments
Topic: i-bond: is it sensible to buy max in one go
Replies: 4
Views: 720

Re: i-bond: is it sensible to buy max in one go

A quirk of Series I bonds is that if you buy near the end of the month, you still get the full interest for that month. If you're getting a decent return on the money where it is now, you may prefer to buy on the 31st instead.
by telemark
Mon Dec 31, 2018 9:07 pm
Forum: Investing - Theory, News & General
Topic: Other Portfolios that aren't 3 fund
Replies: 55
Views: 6560

Re: Other Portfolios that aren't 3 fund

I know the philosophy here and I will likely follow the same path once I can get a larger balance but in the meantime, I love playing around with funds and making different portfolios (not with real money of course). Usually using Portfolio Advisor (yes I understand this looks at the past and no on...
by telemark
Wed Dec 26, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790013

Re: U.S. stocks in free fall

All programming languages Ive used (12?) - and Id dare say all of them ever in invented - are ostensibly in English, so thats your answer. ;) I have met programming languages written in other human languages. It's actually an interesting argument that the many idiosyncrasies and the structure of En...
by telemark
Wed Dec 26, 2018 2:12 pm
Forum: Personal Consumer Issues
Topic: Bookshelf speakers under $300
Replies: 81
Views: 3420

Re: Bookshelf speakers under $300

After five years, I'm still delighted with my AudioEngine A5+ powered speakers. Since you already have an amp, the passive equivalent would be the P4, which lists at $249.

https://audioengineusa.com/shop/passive ... -speakers/
by telemark
Sun Dec 23, 2018 8:06 am
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9766

Re: When did the musicians on the titanic realize their fate?

Wikipedia covers the lifeboat situation on the Titanic in somewhat excruciating detail . Crucial points, as I see it, are: Only enough lifeboats for 1178 people, on a ship whose maximum capacity was 3327. It was carrying 2208 when it sank. The belief that if the Titanic did sink, the process would b...
by telemark
Sat Dec 22, 2018 8:09 pm
Forum: Investing - Theory, News & General
Topic: When did the musicians on the titanic realize their fate?
Replies: 132
Views: 9766

Re: When did the musicians on the titanic realize their fate?

I'm eight months into retirement, so this is close to the worst possible time for a downturn from my point of view. But I knew when I chose to retire that this might happen, or that the A.C.A. might be repealed, or there might be another depression or worse. The world is always a scary place if you ...
by telemark
Sat Dec 22, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790013

Re: U.S. stocks in free fall

Things would be so different, if they were not as they are... https://www.youtube.com/watch?v=aYCXO_FZj5k Heard her (Anna Russell) live when I was a student at MIT, very funny. I'm not ready to listen to all sixteen minutes of the clip, though... where does she say "Things would be so different, if...
by telemark
Sat Dec 22, 2018 7:17 pm
Forum: Personal Consumer Issues
Topic: Does anyone remember window/DOS batch file scripts?
Replies: 24
Views: 2381

Re: Does anyone remember window/DOS batch file scripts?

Install cygwin to obtain UNIX command line. uniq < infile.txt > outfile.txt That will remove adjacent duplicate lines. I suggest uniq --skip-chars=20 < infile.txt > outfile.txt to avoid comparing the time stamps. As an alternative to installing all of Cygwin, see http://gnuwin32.sourceforge.net/pac...
by telemark
Wed Dec 19, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 10165
Views: 1790013

Re: U.S. stocks in free fall

From MarketWatch: Quite simply, upside follow-through has been lacking, keeping negative momentum in the drivers seat, said Frank Cappelleri, executive director and technical analyst at Instinet. And if this doesnt change, the same scenario will persist. What a fantastic and insightful tip. Transla...
by telemark
Wed Dec 19, 2018 10:46 am
Forum: Personal Consumer Issues
Topic: Help getting HP printer back to wifi Connecting
Replies: 8
Views: 456

Re: Help getting HP printer back to wifi Connecting

My preference is to connect the printer to the router through ethernet. This may not be convenient if the printer and router are in different rooms, but it eliminates the connection problem while still making the printer available to everything on the network.
by telemark
Tue Dec 18, 2018 2:42 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

In 2015 we had very mild deflation. During that time the inflation adjustment for I bonds went to zero, but their real (after deflation) rate was somewhat higher. Actually the I Bond semi-annual inflation rate announced 5/1/2015 was negative at -0.80% . Following the regular procedure this was comb...
by telemark
Mon Dec 17, 2018 10:49 pm
Forum: Investing - Theory, News & General
Topic: Just how good is I-bonds' nominal guarantee during deflation?
Replies: 29
Views: 2931

Re: Just how good is I-bonds' nominal guarantee during deflation?

Deflation and interest rate increases are two separate things, but they have both happened recently. In 2015 we had very mild deflation. During that time the inflation adjustment for I bonds went to zero, but their real (after deflation) rate was somewhat higher. Any investment that holds its nomina...
by telemark
Mon Dec 17, 2018 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account issues
Replies: 5
Views: 414

Re: Brokerage Account issues

For what it's worth, I recently converted a 401K to an IRA at Fidelity. The IRA is a brokerage account and I find it confusing to use. Something as simple as "move X dollars from fund A to fund B" seems to require multiple steps and delays, none of them obvious to me. I understand that many Boglehea...
by telemark
Sun Dec 16, 2018 11:47 pm
Forum: Personal Consumer Issues
Topic: Uninterruptible power supplies (UPS) battery backups: Need advice
Replies: 23
Views: 1536

Re: Uninterruptible power supplies (UPS) battery backups: Need advice

Every UPS I've bought has come with the battery leads detached. You have to open it up and connect the leads before it will work. Replacing a battery is just the same thing. The one time I've had a battery fail, I was able to find a replacement the same day at the local Batteries Plus, which also to...
by telemark
Wed Dec 12, 2018 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2499

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

ETFs trade like stocks, so the market determines the price. I was referring to the timing. With a mutual fund Vanguard gives you the closing price for the day when the order is placed, but ETFs trade throughout the day with varying prices. Do you get the price when you placed the order, the price a...
by telemark
Tue Dec 11, 2018 11:42 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110566

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

Captain Alatriste, based on the popular novels by Arturo Pérez-Reverte. Great fun with much buckling of swashes, climbing in and out of windows, sword fights up and down staircases, etc. On Amazon Prime, in Spanish with subtitles.
by telemark
Tue Dec 11, 2018 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2499

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

ETFs trade like stocks, so the market determines the price. I was referring to the timing. With a mutual fund Vanguard gives you the closing price for the day when the order is placed, but ETFs trade throughout the day with varying prices. Do you get the price when you placed the order, the price a...
by telemark
Mon Dec 10, 2018 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2499

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

No need. If you buy mutual funds using money from a linked bank account, Vanguard credits the purchase on the day you enter it, and gives you that day's closing price. I'm not sure about ETFs. Vanguard will let you buy ETFs in an IRA and then immediately afterwards fund the purchase with a bank tra...
by telemark
Mon Dec 10, 2018 11:53 am
Forum: Personal Consumer Issues
Topic: LED light bulbs
Replies: 130
Views: 16006

Re: LED light bulbs

As a general remark, given the long life of current bulbs and the rate at which the technology is changing, I would recommend not buying anything you don't plan to use immediately. In other words, don't stock up on bulbs just because they're on sale. By the time you get around to using them, there w...
by telemark
Sat Dec 08, 2018 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?
Replies: 26
Views: 2499

Re: Can I transfer 2019 IRA money to Vanguard right now so I can put it in Jan 2?

No need. If you buy mutual funds using money from a linked bank account, Vanguard credits the purchase on the day you enter it, and gives you that day's closing price. I'm not sure about ETFs.
by telemark
Tue Dec 04, 2018 12:44 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4031

Re: Best new Mac/features for 2000-3000

For storing your videos and pictures, adding an external drive is easy and inexpensive. It doesn't need to be fast. One additional remark on that. If you go to places like Best Buy, you will see drives formatted for Macs available at a slight premium. This will of course work fine, but you can also...
by telemark
Sun Dec 02, 2018 9:52 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4031

Re: Best new Mac/features for 2000-3000

A new Mac Mini might be a good option for you. You can get one well equipped for $1200-1300 (16GB RAM, 256/512GB SSD) then add a decent monitor and be well under $2k. That's what I do. I have a very nice 24-inch monitor (Dell U2412M) and a keyboard I like better than the Apple ones. Whatever you de...
by telemark
Tue Nov 27, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Getting sued from an already settled car accident... 2 years later! Is this legal?
Replies: 44
Views: 7472

Re: Getting sued from an already settled car accident... 2 years later! Is this legal?

This happened to me, seven years after the original accident, just before the Utah statute of limitations would have expired. My insurance company handled the defense, but I had to make a deposition under oath and appear in court for cross-examination. The usual outcome is an out of court settlement...
by telemark
Sat Nov 24, 2018 1:09 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 353
Views: 50072

Re: Good Modern Science Fiction

Moderan by David R. Bunch While this is a reprint of a 1970 book of short stories (An additional eleven stories have been added), it is such a unique bit of writing that it easily could be seen as fresh in any year. Besides, it fits the title as "Good Moderan Science Fiction." Nice to see that in p...
by telemark
Fri Nov 23, 2018 3:08 pm
Forum: Personal Consumer Issues
Topic: Spam calls to cell phone...
Replies: 121
Views: 13610

Re: Spam calls to cell phone...

If your cellular service is through Republic Wireless, there is now an option to configure spam call blocking. You can send suspected spam to voicemail or block it completely. I don't know how long that's been there.
by telemark
Thu Nov 22, 2018 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: HSBC online savings; comments?
Replies: 14
Views: 1469

Re: HSBC online savings; comments?

I opened an account with HSBC in 2007 after Ally turned me down, eventually closed it when the interest rate dropped near zero. Don't see a reason to go back now, my Amex account is already paying 2%.
by telemark
Sun Nov 18, 2018 11:16 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4057
Views: 1102952

Re: What Movie Have You Recently Watched?

The Good, the Bad, and the Ugly . Another spaghetti western starring Clint Eastwood. Co-stars Lee Van Cleef, and Eli Wallach. One of my favorite movies, if a touch too long. I think Eli Wallach deserves the credit for pushing this movie past "great" into "extraordinary" territory. OK, so do Sergio ...
by telemark
Fri Nov 16, 2018 3:33 pm
Forum: Personal Finance (Not Investing)
Topic: How Long / Hard To Become a Millionaire on Under $100k Income
Replies: 133
Views: 12521

Re: How Long / Hard To Become a Millionaire on Under $100k Income

Anecdotally, I started working in my late twenties, income ranged from $28k to $85k, broke into seven figures in my middle fifties, so about thirty years. It would have been shorter if I had been even slightly clueful about investing: I didn't even open a Roth IRA until 2010. Not saying anyone can d...
by telemark
Sun Nov 11, 2018 1:17 pm
Forum: Personal Consumer Issues
Topic: Looking for computer suggestions
Replies: 17
Views: 1425

Re: Looking for computer suggestions

There's a nice SSH extension that you can install for Chrome OS, very comparable to PuTTY. That and running the Chrome browser are about the only things I do with my Chromebook.

https://www.techrepublic.com/article/pr ... hromebook/
by telemark
Wed Nov 07, 2018 2:37 am
Forum: Personal Finance (Not Investing)
Topic: Can't Create SS Account - Security Questions Mismatch
Replies: 13
Views: 1384

Re: Can't Create SS Account - Security Questions Mismatch

I took the test twice, and answered "none of the above" to every single question, because any other answer would have been wrong.
by telemark
Tue Nov 06, 2018 2:22 am
Forum: Personal Finance (Not Investing)
Topic: Can't Create SS Account - Security Questions Mismatch
Replies: 13
Views: 1384

Re: Can't Create SS Account - Security Questions Mismatch

I don't have a credit freeze, but I had a similar experience trying to open a social security account, also with questions about nonexistent auto loans (I have never taken out an auto loan). I resolved the problem by going into a local SSA office and showing a drivers license. As to why this happens...
by telemark
Mon Nov 05, 2018 2:45 pm
Forum: Personal Consumer Issues
Topic: Good read from Krebs on Security on Cardless ATMs
Replies: 4
Views: 848

Re: Good read from Krebs on Security on Cardless ATMs

First, one of the best defenses is to keep a separate low-balance account that is only used for ATMs. Many banks will allow you to have more than one account and transfer money between them instantly. But if the thieves have your account and password information, as they did, they can just transfer...
by telemark
Wed Oct 31, 2018 2:23 pm
Forum: Personal Consumer Issues
Topic: Anybody use CenturyLink for internet service?
Replies: 25
Views: 1696

Re: Anybody use CenturyLink for internet service?

The best place to look would be the CenturyLink forum on dslreports.com. Keep in mind that CenturyLink is a collection of previously independent companies loosely lashed together with string and chewing gum, so experiences in one part of the country may not be relevant in another area. I used Centur...
by telemark
Mon Oct 29, 2018 12:38 pm
Forum: Investing - Theory, News & General
Topic: David Swensen Unconventional Success
Replies: 99
Views: 9007

Re: David Swensen Unconventional Success

I am a little surprised at the lack of responses. I would have thought that a thread on David Swensen would have received many more responses. Perhaps the Yale Portfolio is out of favor. It's been chewed over here repeatedly, so I don't know that anyone has much new to say. I will point out, once m...
by telemark
Wed Oct 24, 2018 11:15 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110566

Re: Netflix, Your Current Favorite Show

Been very much enjoying a Spanish Netflix series called El Ministerio del Tiempo (The Ministry of Time). It's a Spanish time travel show that would appeal to history buffs and Dr. Who fans. Not rocket science but pretty good light sci-fi. """The Ministry of Time is the best kept secret of the Spani...
by telemark
Sun Oct 21, 2018 10:39 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1034
Views: 110566

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

TwstdSista wrote:
Mon Oct 08, 2018 5:33 pm
Watching the season premiere of Doctor Who right now!
Is there a way for cord cutters to watch Doctor Who in the U.S.? The BBC America web site seems to require an account with one of the traditional cable companies.
by telemark
Thu Oct 11, 2018 9:11 am
Forum: Investing - Theory, News & General
Topic: Transition to Vanguard's new investment platform???
Replies: 17
Views: 3145

Re: Transition to Vanguard's new investment platform???

I received email today stating that I need to transition my account to Vanguard's new investment platform. Is this required or optional? I don't have any interest in purchasing stocks or ETFs. Thanks. There are many many threads on this topic. Search on brokerage account conversion. Thanks, Nate. I...
by telemark
Sat Oct 06, 2018 1:43 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth doesn't like single premium annuities
Replies: 198
Views: 11360

Re: Alan Roth doesn't like single premium annuities

This is like calculating how many accidents you need to have before your car insurance becomes a good investment.