Search found 2235 matches

by telemark
Thu Feb 08, 2018 3:52 pm
Forum: Personal Consumer Issues
Topic: iPhone backup for dummies (OneDrive, external hard drive)
Replies: 10
Views: 967

Re: iPhone backup for dummies (OneDrive, external hard drive)

I don't have an iPhone and don't know how the backup process works, but since no else has replied: in a perfect world there would be an option controlling where the files go. If you could find that you could probably point it at one of the other drives. Failing that, maybe you could free up enough s...
by telemark
Thu Feb 08, 2018 2:07 pm
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2381

Re: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?

First thing to do for any performance problem is run Activity Monitor and check CPU use. Is some process using a lot of CPU time? Look for the percentage use, not the total. Next look at memory use and swap space. Finally look for free disk space: if you're out of room that will slow everything down...
by telemark
Wed Feb 07, 2018 4:42 pm
Forum: Investing - Theory, News & General
Topic: Blood in the water- buying?
Replies: 117
Views: 16936

Re: Blood in the water- buying?

abuss368 wrote:
Sat Feb 03, 2018 7:53 pm
I did not buy specifically yesterday. I plan to this week and will buy what is underweight in our asset allocation.
Me too. As of today, that would be REIT. I'm still overweight on U.S. and international stocks, so they'd have to drop a lot more before I start buying them.
by telemark
Tue Feb 06, 2018 8:21 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3573
Views: 1019047

Re: What Movie Have You Recently Watched?

Netflix probably doesn't have a category for "buddy cop comedies with a fantasy element", but I've been watching them anyway. First Bright, then Men in Black, and finally Zootopia. That may be the last one, since nothing else comes to mind.
by telemark
Sat Feb 03, 2018 9:10 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 4692

Re: Amazon Stock - Can this giant be stopped?

Their customer service is good, but their website is a mess, Um, have you been to one of their competitors' web sites lately? Say Walmart, or Target, or Sears? At least Amazon's pages don't crash or take minutes to load, I can expect to find what I'm looking for, and their suggestions usually aren'...
by telemark
Sat Feb 03, 2018 9:08 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’
Replies: 214
Views: 27872

Re: Jack Bogle Says ‘Avoid Bitcoin Like the Plague’

Does bitcoin do anything that other cryptocurrencies don't do? From what I've read, which is limited, it has very high transaction fees and inconvenient transaction times (possibly hours). Won't something else in the future improve on these and other aspects? Don't some of the other cryptos already...
by telemark
Sat Feb 03, 2018 8:40 pm
Forum: Investing - Theory, News & General
Topic: Amazon Stock - Can this giant be stopped?
Replies: 66
Views: 4692

Re: Amazon Stock - Can this giant be stopped?

Their customer service is good, but their website is a mess, Um, have you been to one of their competitors' web sites lately? Say Walmart, or Target, or Sears? At least Amazon's pages don't crash or take minutes to load, I can expect to find what I'm looking for, and their suggestions usually aren'...
by telemark
Sat Feb 03, 2018 8:26 pm
Forum: Investing - Theory, News & General
Topic: Why GNMAs Shouldn't Be Your Bond Choice
Replies: 70
Views: 5508

Re: Why GNMAs Shouldn't Be Your Bond Choice

The referenced article says
You get to collect the risk premium only if rates are relatively stable
and rates have been pretty stable since 2010. So the problem, if there is one, hasn't manifested itself recently.
by telemark
Fri Feb 02, 2018 7:25 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in Freefall
Replies: 168
Views: 20485

Re: Bitcoin in Freefall

We need a new set of signals for doing technical analysis on cryptocurrencies. Oh no, it's the infamous Adleman Omen! The Diffie-Hellman Curve is the perfect forward buy signal. And so on.
by telemark
Wed Jan 31, 2018 12:21 pm
Forum: Personal Consumer Issues
Topic: LastPass vs Dashlane
Replies: 8
Views: 1919

Re: LastPass vs Dashlane

In the LastPass breach, it's important to understand what happened and especially what didn't happen. The bad guys didn't get your passwords: they got a blob of data that can't be read without your LastPass password, and they didn't get that because it never leaves your PC. Given enough time and com...
by telemark
Mon Jan 29, 2018 4:40 pm
Forum: Personal Consumer Issues
Topic: WHY do wireless routers need periodic reboots?
Replies: 117
Views: 9449

Re: WHY do wireless routers need periodic reboots?

Perhaps it's running malware and restarting clears that out until it gets infected again...
by telemark
Sat Jan 27, 2018 3:46 pm
Forum: Personal Consumer Issues
Topic: Your shopping strategy for new tires?
Replies: 154
Views: 14142

Re: Your shopping strategy for new tires?

This is an OEM (Original Equipment Manufacturer) tire. While it's not high-end performance, it's matched to the car. For an SUV, these tires will get me through. Yes. Unless you really know what aspect of performance you're looking to upgrade and are well aware of the offsetting compromises in othe...
by telemark
Sat Jan 27, 2018 3:21 pm
Forum: Personal Finance (Not Investing)
Topic: Still working out of greed or fear?
Replies: 46
Views: 5305

Re: Still working out of greed or fear?

Definitely fear. I need the health insurance.
by telemark
Sat Jan 27, 2018 3:16 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with large stock holding in taxable account
Replies: 32
Views: 2750

Re: What to do with large stock holding in taxable account

If he sells now and pays 20% in long term capital gains that leaves him with $800K. How much was that stock worth a year ago, or two years ago? Looking at a price chart for HD I'd guess a lot less than that. How much could he lose if he sells slowly and the price drops again? If it were me I would s...
by telemark
Wed Jan 24, 2018 1:28 pm
Forum: Personal Consumer Issues
Topic: Still using a 5 year old iphone 5. Who's with me? No new phones!!!
Replies: 151
Views: 9665

Re: Still using a 5 year old iphone 5. Who's with me? No new phones!!!

I can pry my Motorola E4 open with a fingernail and pop out the battery. I know, because it shipped with the battery outside the case.
by telemark
Wed Jan 24, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 97
Views: 12739

The Remarkable Power of Dying Earlier

We need a companion study to examine the relative benefits of saving more over a long period vs. dying a few years earlier. I imagine the effects would be quite dramatic.
by telemark
Tue Jan 23, 2018 11:37 pm
Forum: Personal Consumer Issues
Topic: Cryptographically signing cloud backups
Replies: 10
Views: 804

Re: Cryptographically signing cloud backups

Thanks to everyone commenting. The tutorials I've looked at use asymmetric encryption and signing but don't explain the reasoning behind this choice, so the discussion here is very helpful. On further examination I see that symmetric encryption is also an option, but a somewhat mysterious one. From ...
by telemark
Tue Jan 23, 2018 7:09 pm
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 11096

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

Thank your for pointing this out as I hadn't noticed. I very rarely ever even read those threads as I assumed the true diehard posters on here who have a wealth of experience seeing a ton of these requests and would answer them better then I. According to the strong form of the Efficient Bogleheads...
by telemark
Tue Jan 23, 2018 2:53 am
Forum: Personal Consumer Issues
Topic: Cryptographically signing cloud backups
Replies: 10
Views: 804

Re: Cryptographically signing cloud backups

I think I understand the difference between encrypting and signing, and if you're going to sign it makes sense to use a different key pair. I have some cloud space available to me on Google Drive and with a local ISP, and storing backups seems an obvious use, but if either of these is ever hacked I'...
by telemark
Tue Jan 23, 2018 12:45 am
Forum: Personal Consumer Issues
Topic: Cryptographically signing cloud backups
Replies: 10
Views: 804

Cryptographically signing cloud backups

I'm looking into using Duplicity http://duplicity.nongnu.org/ but am confused by the signing options. There seem to be three options: encrypt with one key pair and sign with a different key pair use the same key pair for encrypting and signing encrypt without signing and I haven't been able to find ...
by telemark
Tue Jan 23, 2018 12:36 am
Forum: Forum Issues and Administration
Topic: Doesn't seem like people respond to portfolio assessments like they did a few years ago.
Replies: 105
Views: 11096

Re: Doesn't seem like people respond to portfolio assessments like they did a few years ago.

Most of the time I don't have anything to say other than "looks ok." Because most of the portfolios are basically ok, and it isn't clear that making small changes would be an improvement.
by telemark
Mon Jan 22, 2018 2:15 pm
Forum: Investing - Theory, News & General
Topic: "Why Simple Beats Complex"
Replies: 14
Views: 2629

Re: "Why Simple Beats Complex"

See also https://www.farnamstreetblog.com/2018/01/complexity-bias/ Complexity bias is a logical fallacy that leads us to give undue credence to complex concepts. Faced with two competing hypotheses, we are likely to choose the most complex one. That's usually the option with the most assumptions and...
by telemark
Mon Jan 22, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38992

Re: How to Minimize Your Emergency Care Expenses

Lee Saage wrote:
Fri Jan 19, 2018 7:15 pm
The urgent care PA said they could have done the sutures and shot for maybe $150. One learns. And relearns.

This brings up one other suggestion: keep your inoculations up to date. A TDAP shot is very cheap insurance.
by telemark
Mon Jan 22, 2018 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: How to Minimize Your Emergency Care Expenses
Replies: 246
Views: 38992

Re: How to Minimize Your Emergency Care Expenses

I know the above is true, but honestly, the medical providers are the ones who make this industry work. Why don't doctors, nurses, etc. organize and fix the problem? If you don't, you're somewhat complicit. You are taking advantage of the system to receive high pay and abdicating responsibility for...
by telemark
Fri Jan 19, 2018 4:35 pm
Forum: Investing - Theory, News & General
Topic: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions
Replies: 24
Views: 2875

Re: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions

http://archive.fortune.com/2007/01/22/magazines/fortune/whatsnext_secondlife.fortune/index.htm But if IBM is backing it, it must be the real thing. :wink: I saw the same about IBM investing in blockchain technology in an interview on CNBC today....the finance industry will follow soon too, e.g. UBS...
by telemark
Fri Jan 19, 2018 2:49 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2897

Re: Recommend an A.C. powered auto tire inflator

daveydoo wrote:
Thu Jan 18, 2018 11:33 pm
madbrain wrote:
Thu Jan 18, 2018 7:20 pm
... tire losing 10psi per hour. I was able to refill it and drive to my next destination, then top it up again...
True BH would do this forever :D
And a Mustachian would repair the tire using recycled chewing gum, and save the nail to fix the back fence...
by telemark
Thu Jan 18, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions
Replies: 24
Views: 2875

Re: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions

Gartner hype cycle...... New technologies come and go. Which ones will find actual societal use and which ones will be a footnote in history will only be known after the fact. Calling blockchain "revolutionary" is laughable. There are many counter opinions out there of those in the industry who hav...
by telemark
Thu Jan 18, 2018 5:49 pm
Forum: Investing - Theory, News & General
Topic: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions
Replies: 24
Views: 2875

Re: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions

Assuming, for the sake of argument, that someone finds a way to use blockchain to revolutionize the internet as we know it (and personally I think that would be a fine idea), why would that method rely on Bitcoin or any other existing token? It's easy to create a new token, preferably one without th...
by telemark
Thu Jan 18, 2018 4:01 pm
Forum: Investing - Theory, News & General
Topic: Nice write up in the NY Times about the transformative powers of blockchain on societal interactions
Replies: 24
Views: 2875

Re: NY Times - Beyond the Bitcoin Bubble by Steven Johnson

We always view new technologies as improved substitutes for older, more familiar technologies. The automobile was a horseless carriage, email is quicker and cheaper than regular mail, Windows (tm) models a computer as a desktop with folders full of files, cell phones were telephones that you could c...
by telemark
Thu Jan 18, 2018 11:38 am
Forum: Personal Consumer Issues
Topic: How do you adjust side mirrors in a car?
Replies: 61
Views: 4067

Re: How do you adjust side mirrors in a car?

Watty wrote:
Thu Jan 18, 2018 9:50 am
Here are what Click and Clack say;

https://www.cartalk.com/content/avoiding-blind-spot-5
+1. I've had a lot fewer scares and near misses since I started doing this.
by telemark
Mon Jan 15, 2018 4:42 pm
Forum: Personal Consumer Issues
Topic: Best rock solid router with vpn server and guest network
Replies: 12
Views: 1175

Re: Best rock solid router with vpn server and guest network

Do you by any chance have a Chromecast installed? Under the right circumstances one of these can take down a router.

https://www.theregister.co.uk/2018/01/1 ... ic_floods/
by telemark
Mon Jan 15, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Recommend an A.C. powered auto tire inflator
Replies: 43
Views: 2897

Re: Recommend an A.C. powered auto tire inflator

It does not have A/C, but I have been happy with a Slime pump. It is pretty fast even though only running on the car battery and does have what seems to be an accurate digital gauge with a pressure preset, so it shuts itself off. Don't know if they make an A/C model. This is the one I have: https:/...
by telemark
Sat Jan 13, 2018 9:22 pm
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5763

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

I'm really still not getting the point here even after reading this. Is this specific to bonds? How/why does YTD go down, then up again in a year? YTD on January 2 is a measure of the performance of the market on ONE day - January 2nd. So if the market is down 10%, YTD is -10%. How useful is this a...
by telemark
Sat Jan 13, 2018 10:07 am
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5763

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

Cheeky and cute! However, nothing is guaranteed! If VBTLX ends up 2018 at -1.0%, will you really have outperformed? Most definitely; it's better to lose half a percent than to lose a whole percent. But the broader point is that YTD is a stupid way to measure performance. It starts out really stupid...
by telemark
Sat Jan 13, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!
Replies: 27
Views: 5763

Re: It's trivial to outperform Vanguard Total Bond Index for 2018 with same risk!

It's all in how you measure... but on Tuesday my plan is to outperform VGSLX.
by telemark
Fri Jan 12, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Kodakcoin
Replies: 101
Views: 8997

Re: Kodakcoin

If you look at my post, I am a strong Advocate for "Crypto Assets" and their potential to: Bank the un-bankable world I'd strongly disagree with this one. That's not to say crypto can't serve the unbanked, but at best it can serve the unbanked the way a dollar bill serves the unbanked, not the way ...
by telemark
Tue Jan 09, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: The dot-com/blockchain bubble of the 1920s: Utility stocks
Replies: 15
Views: 1841

Re: The dot-com/blockchain bubble of the 1920s: Utility stocks

There was a popular series of novels by Ralph Milne Farley (The Radio Man, The Radio Planet, etc) starting in the 1920s, sort of a mixture of Oz and Barsoom. The hero is transported to Venus by means of, you guessed it, radio... It's really an amazing phenomenon that we completely take for granted n...
by telemark
Mon Jan 08, 2018 2:22 pm
Forum: Personal Consumer Issues
Topic: Are Password Managers Really Necessary?
Replies: 129
Views: 8323

Re: Are Password Managers Really Necessary?

Is this true? I've always read you should change your passwords every six months or so, especially those related to financial institutions. https://www.schneier.com/blog/archives/2017/10/changes_in_pass.html See also this link https://www.wired.com/2016/05/password-tips-experts/ with special attent...
by telemark
Sat Jan 06, 2018 8:45 pm
Forum: Investing - Help with Personal Investments
Topic: 401k "Fears"
Replies: 9
Views: 1361

Re: 401k "Fears"

1. Assume a job change for whatever reason. Ideally, I'd like to roll my 401k over into a simple 3-fund portfolio or a vanguard TDF. However, imagine a case where there's a bear market PLUS simultaneous job loss. I'm young and I've never experienced a roll over before but it seems as though it woul...
by telemark
Fri Jan 05, 2018 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: If you could live off your taxable account is it wise to put all your work money in a 401k?
Replies: 18
Views: 2330

Re: If you could live off your taxable account is it wise to put all your work money in a 401k?

If you have a lot of money in taxable that you would rather have in your 401k, this is effectively a legal way to accomplish that. Whether it's wise depends on your situation. You lose immediate access to the money but gain the tax advantages of the 401k. I assume the plan has some good funds availa...
by telemark
Fri Jan 05, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: REITs under new tax law
Replies: 21
Views: 3763

Re: REITs In Taxable - New Tax Law

The case against putting REITs in taxable is that they issue a lot of non-qualified dividends. Does anything in the new law affect that? The initial reading is that you get to exclude 20% of the REIT dividends from taxation. I haven't had time to research it myself. Thanks. But 80% of too much is, ...
by telemark
Fri Jan 05, 2018 12:31 pm
Forum: Investing - Theory, News & General
Topic: REITs under new tax law
Replies: 21
Views: 3763

Re: REITs In Taxable - New Tax Law

The case against putting REITs in taxable is that they issue a lot of non-qualified dividends. Does anything in the new law affect that?
by telemark
Wed Jan 03, 2018 9:58 pm
Forum: Investing - Theory, News & General
Topic: Intel might take a hit
Replies: 38
Views: 4257

Re: Intel might take a hit

Intel doesn't succeed based on brand loyalty or because it has the best designs. It succeeds because it has a big lead in fabrication techniques and enough money to reinvest to maintain that lead. None of that is going to change because of this, any more than it did after the Pentium bug. We might s...
by telemark
Wed Jan 03, 2018 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?
Replies: 35
Views: 3304

Re: Age In Bonds after 65 with 25X, 35X, 50X ??? Your Approach?

Age in bonds is Bogle's rule of thumb, but he also says you should count pensions and social security as part of your bond allocation. It comes down to ability and need to take risk, and age in bonds is not a very good proxy for that.
by telemark
Wed Jan 03, 2018 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Online High yield savings account for emergency funds
Replies: 48
Views: 6990

Re: Online High yield savings account for emergency funds

Another happy Amex savings user here. I like that they've never needed to pull my credit report.
by telemark
Wed Jan 03, 2018 9:55 am
Forum: Investing - Theory, News & General
Topic: Do Vanguard and Fidelity have automatic rebalancing?
Replies: 14
Views: 2227

Re: Do Vanguard and Fidelity have automatic rebalancing?

My 401ks at Fidelity have the option to rebalance to a set allocation on an annual, semi-annual, or quarterly basis. Or you can choose to get a notification when the allocation wanders out of predefined bands. They won't rebalance between plans, though.
by telemark
Tue Jan 02, 2018 2:28 pm
Forum: Personal Finance (Not Investing)
Topic: Max It Out Tomorrow [your IRA]
Replies: 165
Views: 18977

Re: Max It Out Tomorrow

blaugranamd wrote:
Tue Jan 02, 2018 11:34 am
Keep an eye on the timestamps in this thread.
I thought the arguments seemed familiar.
by telemark
Fri Dec 29, 2017 4:28 pm
Forum: Personal Consumer Issues
Topic: Stoics View on Debt
Replies: 33
Views: 3512

Re: Stoics View on Debt

Note to self: don't borrow from Nero.
by telemark
Thu Dec 28, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 7029

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

For those who say "dont mix strategy with outcome" (whatever that means?) What it means is that chance inevitably plays a role in investing, so that a bad strategy may lead to a good outcome or a good strategy may lead to a bad outcome. Saying "I made money, therefore my strategy was good" is confu...
by telemark
Wed Dec 27, 2017 7:58 pm
Forum: Investing - Theory, News & General
Topic: How to setup a crypto-currency "index fund" (Bitcoin, etc.)
Replies: 77
Views: 7029

Re: How to setup a crypto-currency "index fund" (Bitcoin, etc.)

The purpose of indexing is to capture the underlying return of a market at a low cost, and it relies on that market being reasonably efficient. The market in cryptocurrencies does not appear to be particularly efficient, and it's not clear that it has any underlying return at all. But VTSMX contains...