Search found 2312 matches

by telemark
Sun Mar 04, 2018 7:48 pm
Forum: Personal Consumer Issues
Topic: In Praise of Classic Works on Kindle
Replies: 20
Views: 1769

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: 6712

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: 4191

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: 2199

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: 3293

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: 7715

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: 7715

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: 1863

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: 4819

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: 7715

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: 4210

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: 6396

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: 7715

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: 3438

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: 7715

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: 971

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: 7715

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: 7715

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: 7715

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: 7715

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: 2758

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: 7049

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: 4064

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: 4779

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: 2666

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: 3247

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: 2175

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: 1055

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: 2666

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: 18034

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: 3885
Views: 1085990

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: 5227

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: 29783

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: 5227

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: 5991

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: 191
Views: 25162

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: 2738

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: 10257

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: 15308

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: 5729

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: 3132

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: 11038

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: 185
Views: 20130

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: 897

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: 13519

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: 897

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: 897

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: 13519

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: 2750

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: 272
Views: 61239

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.