Search found 2284 matches

by telemark
Fri Mar 23, 2018 11:29 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27223

Re: Anyone Deleting Facebook?

I am well aware of the differences among the many types of social media. Anyone who participates in a forum like this one, and thinks he is not using social media, is redefining the meaning of the term. Does your definition have any limits? Does it include post cards? People have been communicating...
by telemark
Fri Mar 23, 2018 10:42 am
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27223

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 9:58 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27223

Re: Anyone Deleting Facebook?

Forums like Bogleheads are more like the old bulletin boards or Usenet groups, which existed long before social media was invented. What is your definition of social media, and how does it compare with dictionary definitions? I've already given you an objective, easily testable structural differenc...
by telemark
Thu Mar 22, 2018 5:10 pm
Forum: Personal Consumer Issues
Topic: Anyone Deleting Facebook?
Replies: 338
Views: 27223

Re: Anyone Deleting Facebook?

Yes, but it had nothing to do with privacy and the recently discovered lack thereof. I'm solidly with Parker and Palihapitiya in thinking that it is an unhealthy social validation feedback loop and serves no real positive function. I feel that way about social media in general and eschew its use. Y...
by telemark
Thu Mar 22, 2018 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Bonds in 401K
Replies: 10
Views: 1293

Re: Bonds in 401K

If you want to hold bonds, and most of us here would agree that you should, a 401K is a great place to hold them, assuming that your plan offers some decent bond funds.
by telemark
Wed Mar 21, 2018 12:00 pm
Forum: Personal Consumer Issues
Topic: Need to pull some data off some old 5-1/4" floppy disks
Replies: 20
Views: 2904

Re: Need to pull some data off some old 5-1/4" floppy disks

Although I have a working computer with two 5-1/4" floppy disk drives, it doesn't do you much good! Even if I could read whatever data you needed, I'm not sure if I could transfer it to something that you could use on a modern computer. In my area, there are dozens of small companies in just about ...
by telemark
Wed Mar 21, 2018 10:43 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 63
Views: 5441

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

I'd like to be sure I understand what is dangerous about these units, since I've started stocking up on power backups due to the increasing frequency of multi-day power outages in my area. The kind of device that has no batteries in it until you put them in (I have one that uses several AA or maybe...
by telemark
Wed Mar 21, 2018 10:36 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 63
Views: 5441

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

And there is always traditional NiMH (rechargable AA like Eneloop, etc) ... which is a lot safer but again much heavier and lower capacity. You can also get NiMH cells in C and D sizes, not just the AAs in a larger package. The D cells have capacities up to 1 ampere-hour. I use them to run Christma...
by telemark
Wed Mar 21, 2018 9:26 am
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 63
Views: 5441

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

When you think about how many devices are out there with lithium ion batteries, the 'explodey' concern may be a bit overstated. Basically every laptop, cell phone, or similar device made in the last ~ 10 years. Typically any issues are caught very early as manufacturing defects and simply require s...
by telemark
Sun Mar 18, 2018 4:00 pm
Forum: Personal Consumer Issues
Topic: Quiet vehicle for two cats
Replies: 15
Views: 1178

Re: Quiet vehicle for two cats

This is not a recommendation because I have no personal experience, but the reviews for the 2017 Ford Focus hybrid all mention how quiet it is inside. You might try renting a few different cars first to see how your cats react to them.
by telemark
Sat Mar 17, 2018 6:00 pm
Forum: Personal Consumer Issues
Topic: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?
Replies: 63
Views: 5441

Re: How to buy a safe "power bank" to replace my recalled AmazonBasics unit?

No personal knowledge, but searching for 'AA power bank' finds some that use AA batteries, so you could use NiMH rechargeables like Eneloops, which wouldn't have the safety problems of lithium ion batteries. One example: https://www.amazon.com/Verbatim-Power-B ... B007MLHS2S The downside to NiMH ba...
by telemark
Sat Mar 17, 2018 10:33 am
Forum: Investing - Theory, News & General
Topic: Market Efficiency - Or Not
Replies: 33
Views: 2833

Re: Market Efficiency - Or Not

"Efficient market hypothesis" is one of those poorly chosen names that invites people to draw wrong conclusions about its meaning.* For starters, it doesn't mean the market will be particularly, well, efficient.

* "expected return" is another.
by telemark
Thu Mar 15, 2018 7:33 pm
Forum: Investing - Help with Personal Investments
Topic: 401K: Guaranteed 9.3% Return?
Replies: 43
Views: 6458

Re: 401K: Guaranteed 9.3% Return?

Any difference between current and future tax rates can be modelled as a rate of return, yes, although in this case I make it out to be closer to 1.1% (1 / 0.907). That's 1.1% once, not 1.1% per year, and only if the 9.3% is a flat rate.
by telemark
Wed Mar 14, 2018 5:47 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 5444

Re: Tables feature

Your post quoted mine. Compare it with what I posted and see the problems? I rest my case. Ok, you got me. I see no differences at all between the original text in https://www.bogleheads.org/forum/viewtopic.php?p=3829405#p3829405 vs. the quoted text in https://www.bogleheads.org/forum/viewtopic.php...
by telemark
Wed Mar 14, 2018 5:35 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 5444

Re: Tables feature

Peculiar_Investor wrote:
Wed Mar 14, 2018 5:34 pm
telemark wrote:
Wed Mar 14, 2018 5:23 pm
Peculiar_Investor wrote:
Wed Mar 14, 2018 2:00 pm
Even the use of simple BBCodes can cause problems with a post ...
... As long as we're wishing, that is :)
Your post quoted mine. Compare it with what I posted and see the problems? I rest my case.
Fixed now :D
by telemark
Wed Mar 14, 2018 5:23 pm
Forum: Forum Issues and Administration
Topic: Tables feature
Replies: 27
Views: 5444

Re: Tables feature

Even the use of simple BBCodes can cause problems with a post, particularly when the user has to manually enter them. There are almost daily examples of members using the [qu ote] BBCode without properly closing it with [/qu ote]. Tables are far more complex and I would expect users would often wan...
by telemark
Wed Mar 14, 2018 11:16 am
Forum: Investing - Help with Personal Investments
Topic: simplifying my financial life -- should i get rid of treasury direct?
Replies: 47
Views: 4959

Re: simplifying my financial life -- should i get rid of treasury direct?

I've never been fan of EE bonds, but short term treasury yields are looking attractive now, with three months at 1.65% and six months at 1.85%, so I might move some short term money into that. I linked a second bank account last year with no problems, so that part doesn't worry me.
by telemark
Tue Mar 13, 2018 4:13 pm
Forum: Investing - Theory, News & General
Topic: Are you ready to buy stocks at your grocery store?
Replies: 46
Views: 6958

Re: Are you ready to buy stocks at your grocery store?

"No, dear, I said I needed socks, not stocks..."
by telemark
Tue Mar 13, 2018 10:44 am
Forum: Investing - Help with Personal Investments
Topic: in which account do REIT funds go ?
Replies: 9
Views: 1125

Re: in which account do REIT funds go ?

My REIT allocation is mostly in my 401K, because all of my portfolio is mostly in my 401K, but I have a nice chunk (20%) in my Roth. Tax inefficient plus high expected return generally indicates putting it in Roth. It is a volatile asset, so you should be willing to rebalance in and out of it as nec...
by telemark
Mon Mar 12, 2018 4:43 pm
Forum: Personal Consumer Issues
Topic: Anybody have the Moto E4 phone?
Replies: 5
Views: 632

Re: Anybody have the Moto E4 phone?

I have an E4 and I'm happy with it, but I don't watch a lot of videos. I chose it over the G5 plus because the smaller size fits in my pocket better.

Love the removeable battery.
by telemark
Sun Mar 11, 2018 12:15 pm
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2709

Re: Plastic free coffee maker?

Pajamas wrote:
Sat Mar 10, 2018 3:08 pm
After all, it is just coffee.
Blasphemy!


Image
by telemark
Sat Mar 10, 2018 10:56 am
Forum: Personal Consumer Issues
Topic: Plastic free coffee maker?
Replies: 22
Views: 2709

Re: Plastic free coffee maker?

I haven't tried them, but it looks as though one of the Chemex coffee makers would fit your needs.
by telemark
Sun Mar 04, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1703

Re: In Praise of Classic Works on Kindle

David Jay wrote:
Mon Feb 26, 2018 3:07 pm
Delphi has the Complete Works of Charles Dickens without charge. My recommendations of lesser known works: Our Mutual Friend
In which it is established that trash is indeed cash :)
by telemark
Sat Feb 24, 2018 10:22 pm
Forum: Personal Consumer Issues
Topic: Favorite socks?
Replies: 83
Views: 6256

Re: Favorite socks?

Socks absorb energy from being tumbled and spun. If you raise their potential too high, they may make a quantum leap to some other dimension. Since I started hanging my socks up to dry quietly, the incidence of missing socks has gone to almost none.
by telemark
Fri Feb 23, 2018 8:51 pm
Forum: Investing - Theory, News & General
Topic: Removed
Replies: 39
Views: 4126

Re: Grantham-expect a melt up before the melt down

Thats a simplistic view. He more often than not has been right about calling out bubbles and overvaluation, the problem is he has often been years too early resulting in missing the huge run up before eventual fall. Interestingly he is directly acknowledging it in this piece. There is good info the...
by telemark
Fri Feb 23, 2018 2:55 pm
Forum: Personal Consumer Issues
Topic: Caribbean Cruise 1st timer Cash or Card?
Replies: 32
Views: 2133

Re: Caribbean Cruise 1st timer Cash or Card?

If you need more cash than you brought, there will probably be an ATM on board (and if so it will certainly charge a fee). You can break large bills in the casino.
by telemark
Fri Feb 23, 2018 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: Guaranteed 2% return?
Replies: 34
Views: 3192

Re: Guaranteed 2% return?

Just to take the other side of the argument, inflation makes debt more attractive since you are paying it off in cheaper dollars. Not that I have any idea what future inflation rates will be like. Maybe we will see deflation... Also: why does it need to be a very safe investment? You were presumably...
by telemark
Thu Feb 22, 2018 1:41 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

Cheyene: Thanks for the explanation. I understand the mechanics of modes and how they relate to different notes in the scale. I can also construct the modes by starting on the note and following the pattern of Whole and Half steps based on the major scale. What I do not understand is the practical ...
by telemark
Wed Feb 21, 2018 1:16 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

I was trying to understand Windows service permissions this morning when this link caught my eye:

https://music.stackexchange.com/questio ... -and-flats

Another resource for people interested in questions like these.
by telemark
Tue Feb 20, 2018 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)
Replies: 21
Views: 1797

Re: Going electric: Books about the Nissan Leaf (first generation; 2011–2017)

Basically, I am just trying to figure out whether or not each unit of distance becomes more expensive, due to battery reasons alone, as the car gets older. The words you're looking for are capacity and efficiency. Capacity is how much energy a battery can hold, and efficiency reflects how much is l...
by telemark
Sun Feb 18, 2018 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: I reduced my exposure to US stocks before the correction.
Replies: 39
Views: 4699

Re: I reduced my exposure to US stocks before the correction.

Bogle also said that successful investing is about avoiding the big mistakes. The thing to remember here is that a five percent change is at worst a small mistake. I did something similar last fall, going from 60/40 to 55/45. I'm 58 and the recent run-up in the stock market had put me nearer to reti...
by telemark
Sun Feb 18, 2018 9:43 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

On indexing music, my own collection is too small for it to be much of a problem, but I subscribe to several straming services. One of them, Classical Archives, has an option to browse by record label, and that's been a lot more useful than I would have expected. Especially for smaller specialty lab...
by telemark
Sat Feb 17, 2018 2:42 pm
Forum: Personal Consumer Issues
Topic: Is there a way to send text messages on my computer?
Replies: 30
Views: 4023

Re: Is there a way to send text messages on my computer?

Ask your interlocutor to text to your email address (you@yourisp.com). Once you get the message you should be able to reply to it.

I'm surprised that any phone can't handle simple SMS messages, although my old Palm had trouble when people tried to add images.
by telemark
Sat Feb 17, 2018 10:38 am
Forum: Personal Consumer Issues
Topic: Best plants to grow to save money for food costs
Replies: 93
Views: 6112

Re: Best plants to grow to save money for food costs

Most plants grow in nature without any extra care, right? They get water if it rains, and none if it doesn't. No human ever touches the majority of plants and yet they survive. I guess I had a fantasy of just planting things and leaving them alone, for the most part, apart from fertilizing them and...
by telemark
Thu Feb 15, 2018 6:24 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

Great discussion. I took a short class in music theory years ago...just enough to know a little bit. Let say a song has a key signature of 1 sharp.... G major. But, if it is started in Em, is it still technically in the key of E minor or is it G major key? Same with C and Aminor. Which key is it an...
by telemark
Thu Feb 15, 2018 3:04 pm
Forum: Personal Consumer Issues
Topic: Used Chevy Volt - Which year should I look at?
Replies: 35
Views: 3290

Re: Used Chevy Volt - Which year should I look at?

If you're not planning to charge it regularly, you might also consider the Chevy Malibu hybrid. It uses the same technology as the Volt, without the plugin part, and Chevy claims 49 mpg in city driving.
by telemark
Thu Feb 15, 2018 6:49 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

* the famous exception would be Ravel's Bolero, which he described as "an exercise in monotony." And even that jumps briefly into G major at the end. Actually, it jumps from C Major to E Major, which is a big jump for the ear (major third), and an even bigger jump harmonically (4 more sharps!) -Bra...
by telemark
Wed Feb 14, 2018 7:53 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing thru contributions?
Replies: 12
Views: 910

Re: Rebalancing thru contributions?

A) is basically a bet on momentum whie B) is a bet on mean reversion. Which one produces better results depends on how the market is behaving at the moment. Personally I prefer B) but only because it scratches my itch to tinker. A) is more of a hands off approach.
by telemark
Wed Feb 14, 2018 7:45 am
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

Everything a musical lay person needs to know about keys can be explained in this incredible 6 minute lesson by Dr. Leonard Bernstein. I highly recommend everyone watch this: https://youtube.com/watch?v=Gt2zubHcER4 Now for those wondering how the mood of a song can be changed by switching from majo...
by telemark
Tue Feb 13, 2018 3:54 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

Allow me to digress a little, as I have a question I've asked many "experts" for years without a satisfactory answer. Seems we have a few more experts here, too: It's often said that in the older days of classical music, the Key was chosen by the composer to reflect the mood he was aiming for. Bach...
by telemark
Tue Feb 13, 2018 1:30 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

Changing modes (major, minor, mixolydian, octatonic , etc) will have a very noticeable effect. Just repeating one of your earlier sentences. One other term I've come across relates to the bass. I don't recall the exact term but it had something to do with octaves (octavic bass?). I find it hard to ...
by telemark
Tue Feb 13, 2018 12:27 pm
Forum: Personal Consumer Issues
Topic: Question for music experts about musical keys
Replies: 102
Views: 7298

Re: Question for music experts about musical keys

First, some basics. Generally speaking, higher pitches will sound brighter and lower ones will sound darker. Changing modes (major, minor, mixolydian, octatonic, etc) will have a very noticeable effect. After that it gets complicated: transposing up or down, even half a step, will often result in a ...
by telemark
Mon Feb 12, 2018 9:53 pm
Forum: Personal Consumer Issues
Topic: USPS Flat Rate Boxes - How do they work?
Replies: 27
Views: 2579

Re: USPS Flat Rate Boxes - How do they work?

One caveat. Always do a reality check to make sure that what you put into the box weighs enough that the flat rate costs less than the usual "weight rate." Yup, those flat rate boxes are best when shipping very heavy items like lead or gold bricks. For typical stuff, it's a toss up between flat rat...
by telemark
Mon Feb 12, 2018 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: Are REITs essentially taboo for years now with rising rates?
Replies: 55
Views: 6505

Re: Are REITs essentially taboo for years now with rising rates?

staythecourse, VNQ, REET, USRT, IYR, FREL, XLRE, RWR, ICF, SCHH were listed in a recent article on VNQ. I'd link the article, but the author was not aware of the VNQ reconfiguration so I won't bother. I haven't looked at these myself because my 401K has that proprietary REIT fund, and hasn't got an...
by telemark
Sat Feb 10, 2018 10:55 am
Forum: Investing - Theory, News & General
Topic: Does Anyone Know Anything?
Replies: 36
Views: 3950

Re: Does Anyone Knows Anything?

Someone, somewhere, probably does know something. How do we find that person? I don't know.
by telemark
Sat Feb 10, 2018 3:39 am
Forum: Forum Issues and Administration
Topic: Black Theme for Site?
Replies: 38
Views: 4497

Re: Black Theme for Site?

I sometimes have migraine symptoms (no pain, but visual effects) and light backgrounds on computer screens seem to exacerbate the problem. I avoid the problem on bogleheads.org by using a text-based browser.
by telemark
Sat Feb 10, 2018 3:13 am
Forum: Personal Consumer Issues
Topic: My Mac Pro has gotten gigantically slow online: meltdown $ spectre?
Replies: 19
Views: 2448

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

Malware could be doing nasty things to your computer and taking speed down. I've had that happen to my Mac, twice. Take the computer into the shop ASAP. Last time, I had to replace the hard drive. Experts had to replace the hard drive because of malicious software? Why? Possibly something like this...
by telemark
Thu Feb 08, 2018 9:28 pm
Forum: Investing - Theory, News & General
Topic: Are Banks Worthless [to invest equity in]?
Replies: 32
Views: 3163

Re: Are Banks Worthless [to invest equity in]?

It seems possible that there may be any number of businesses that perform socially useful or even necessary functions without being particularly good investments.
by telemark
Thu Feb 08, 2018 4:25 pm
Forum: Personal Consumer Issues
Topic: Scrapping old computer parts
Replies: 25
Views: 2109

Re: Scraping old computer parts

I ran into a similar situation with an older relative who never threw anything out, found a store (Staples, I think) that took electronics for recycling for free. They didn't blink at getting a trunkload of crap. No idea what they actually did with it, and I don't really care. Best Buy does this al...
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: 1017

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...