Search found 2786 matches

by telemark
Sun Jan 24, 2021 10:49 pm
Forum: Personal Investments
Topic: Any boring investors left?
Replies: 220
Views: 12535

Re: Any boring investors left?

I am not boring, but my investments are. There are better ways to have fun :wink: That said, I do own a couple of actively managed funds, VUSTX (Vanguard long term treasuries) and VIPSX (Vanguard TIPS). When I was younger and still working, I owned a number of active funds because that was all my 40...
by telemark
Sat Jan 23, 2021 12:04 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425668

Re: What Movie Have You Recently Watched?

Troll Bridge, a very close adaptation of a story by Terry Pratchett. (I was going to post this in another thread, but it's locked now)

https://www.trollbridge.film/

"When you can face down a troll in single combat, then you can do anything."
by telemark
Fri Jan 22, 2021 12:19 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1296
Views: 77396

Re: What are you listening to now

Magdalena, a Broadway musical with music by Heitor Villa-Lobos. The original plan was to adapt music from his existing works, but there were problems securing the rights so he wrote new music instead. He was, fortunately, a very facile and adaptable composer. Great scene where the villain's jilted m...
by telemark
Wed Jan 20, 2021 11:15 pm
Forum: Investing - Theory, News & General
Topic: Signs of Bubble logic - greed overcoming fear
Replies: 206
Views: 17660

Re: Signs of Bubble logic - greed overcoming fear

William Bernstein (a neurologist) suggests, I recall, that doctors are particularly vulnerable to financial hucksterism. In their profession, objectivity and honesty are essential principles. Whereas in finance, it's about closing the sale-- the standard of truth is very flexible. In many ways, the...
by telemark
Tue Jan 19, 2021 1:04 pm
Forum: Personal Investments
Topic: David Swensen portfolio question
Replies: 2
Views: 581

Re: David Swensen portfolio question

They are all Swensen portfolios. In Unconventional Success he describes a set of principles for portfolio construction, and offers a reference portfolio that serves as one example of applying those principles. For what it's worth, the reference portfolio is Asset Class Policy Target Domestic equity ...
by telemark
Mon Jan 18, 2021 2:39 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425668

Re: What Movie Have You Recently Watched?

In This Corner of the World , on Netflix. Japanese animation with subtitles. set near Hiroshima in the 1940s. Slow paced and of necessity very dark--I recommend not watching it all in one sitting--but ultimately more optimistic than Grave of the Fireflies , which it somewhat resembles. The artwork ...
by telemark
Wed Jan 13, 2021 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: Retiring now, thank you, Bogleheads! And tax question
Replies: 18
Views: 2736

Re: Retiring now, thank you, Bogleheads! And tax question

am i correct to say upon retirement that one should withdraw from a tax deferred account to pay for living expenses and sell shares in a brokerage account to pay for the taxes? thanks There is no "should" answer for your question. :happy. Depends on the circumstances. Some people do not h...
by telemark
Fri Jan 08, 2021 11:02 pm
Forum: Personal Investments
Topic: Qualified vs ordinary dividends on Vanguard web site
Replies: 2
Views: 397

Re: Qualified vs ordinary dividends on Vanguard web site

The estimated distributions sheet shows estimated QDI as a percentage. It might be good enough for a rough estimate. https://advisors.vanguard.com/insights/article/estimatedyearenddistributions Hah, thanks, that is good enough for my purposes. Also an interesting guide on what not to hold in taxable.
by telemark
Fri Jan 08, 2021 10:30 pm
Forum: Personal Investments
Topic: Qualified vs ordinary dividends on Vanguard web site
Replies: 2
Views: 397

Qualified vs ordinary dividends on Vanguard web site

I'm estimating my taxes owed for 2020 prior to sending the IRS some money by the January 15 deadline. For a taxable mutual fund account, I can find the total dividends but not how much of that amount is from qualified dividends. Does anyone know a way to do this?
by telemark
Fri Jan 08, 2021 10:07 am
Forum: Personal Consumer Issues
Topic: Rice Cooker
Replies: 86
Views: 8829

Re: Rice Cooker

This thread caused me to ask some hard questions about how I cook rice on a stovetop. I would never buy a rice cooker as the last thing in the world I need is another gadget on the counter. It's such a simple process, it makes no sense for me at least. ... I use a saucepan with a Marna piggy steame...
by telemark
Fri Jan 01, 2021 2:06 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425668

Re: What Movie Have You Recently Watched?

Rango , on Netflix. Animated tribute to, and sendup of, every spaghetti Western ever made plus more other movies than I could count. Other than one tiny flaw, not getting Clint Eastwood to voice the Spirit of the West, everything about it is perfect, from the story to the visuals to the Greek Maria...
by telemark
Tue Dec 29, 2020 7:14 am
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

I can tell you that the sophistication of attacking techniques and amount of computing power available to cyberthieves today is far greater than it was 20 years ago. Just avoiding silly passwords like password123 may have been sufficient at one time, but it is not sufficient today. Yes, the control...
by telemark
Sat Dec 26, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: What is the single best piece of exercise equipment you bought for your home?
Replies: 259
Views: 17499

Re: What is the single best piece of exercise equipment you bought for your home?

Most aspirational exercise equipment eventually ends up as garage clutter, before being sold/given away. I've also heard that any kind of weights or other equipment is difficult to come by now. My sophisticated weight training equipment consists of canisters of cat litter from Target and Fred Meyer...
by telemark
Fri Dec 25, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: Favorite Christmas Movies
Replies: 85
Views: 3836

Re: Favorite Christmas Movies

Hogfather

No solstice on the Discworld would be complete without nefarious goings-on and a Chestertonian reflection on the importance of belief. Plus sugar pigs.
by telemark
Fri Dec 25, 2020 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: What NON-frugal thing did you do today?
Replies: 161
Views: 11343

Re: What NON-frugal thing did you do today?

Bought a half-dozen ebooks that I found on sale for $1.99 and oops wrong thread
by telemark
Fri Dec 25, 2020 2:28 pm
Forum: Personal Consumer Issues
Topic: What exactly are YOU doing in retirement?
Replies: 93
Views: 8675

Re: What exactly are YOU doing in retirement?

celia wrote: Wed Dec 23, 2020 10:56 pm Take care of several elderly relatives and go to doctor appointments!

I want my retirement back!
Being retired means that you are the one available for this. Something I hadn't planned on.
by telemark
Fri Dec 25, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: What exactly are YOU doing in retirement?
Replies: 93
Views: 8675

Re: What exactly are YOU doing in retirement?

You didn't pick the best year to ask this question :( 2020 has been miserable for me but 2019, my first full year of retirement, was one of the happiest years of my life, so I think it is situational. Skateboarding and Zoom lessons with my dance teacher have been lifelines for me. After it becomes s...
by telemark
Fri Dec 25, 2020 2:04 pm
Forum: Non-US Investing
Topic: Why is Gold so volatile even though it is claimed as store of value?
Replies: 61
Views: 4645

Re: Why is Gold so volatile even though it is claimed as store of value?

A better question is why "fiat money", also a store of value, is not as volatile. Those evil central banks were invented for a reason.
by telemark
Wed Dec 23, 2020 2:52 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

I cant use thumb drives in my corporate laptop, nor easily use one in a phone... though the keepass files I can share between devices. Okay, thumb drive-based solutions are out then. That's actually a sensible policy, but you would have to follow it even if it were a stupid policy. At the risk of m...
by telemark
Wed Dec 23, 2020 2:21 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

I haven't tried it, but Keepass has a portable version that runs off a USB stick, and they claim that it "runs without any additional installation." Perhaps that might be an option? Someone who claims to take security seriously shouldn't really be suggesting putting critical data, even if...
by telemark
Wed Dec 23, 2020 2:31 am
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

For those of you saying I have already made up my mind... you are incorrect. Based soley on this thread, I have been investigating password managers. It seems like they all require installation, and the only one I can install on my corporate laptop is Keepass. Among issues I am discovering, the pas...
by telemark
Tue Dec 22, 2020 10:49 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

So lets ignore the phrasing of my original post... and alter it - can anyone actually provide a real example of actual damage occurring to a regular person (not celebrity/politician. etc) due to weak password, where those with strong PWs were not damaged? And, for example, someone cracking my PW to...
by telemark
Mon Dec 21, 2020 7:55 pm
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1296
Views: 77396

Re: What are you listening to now

Pēteris Vasks' violin concerto, 'Distant Light'. In celebration of the solstice, of course.
by telemark
Mon Dec 21, 2020 3:09 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

I've often wondered this like the OP. Almost any site of any importance will limit the number of attempts making brute force password cracking very hard. That only guards against attacks via the front-door. The site can't slow down attacks against their password database itself if the database is b...
by telemark
Sun Dec 20, 2020 2:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425668

Re: What Movie Have You Recently Watched?

Fatman With his business in decline, Chris Cringle enters into a business relationship with the U.S. military. A subplot involves an assassin coming to get him. Mel Gibson stars as Chris Cringle. Quite a different look at Santa Claus. This sounds hilarious! I always wondered about the Santa Claus/N...
by telemark
Sun Dec 20, 2020 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: A penny in traditional IRA
Replies: 13
Views: 1385

Re: A penny in traditional IRA

If this was in an interest bearing account, the interest is calculated on the average balance over the accrual period, usually one month. So even if the balance is zero on the accrual date, you can see some money coming in. No cure for this that I know of, other than to be aware of accrual dates.
by telemark
Sun Dec 20, 2020 2:08 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6285
Views: 1425668

Re: What Movie Have You Recently Watched?

The Pirates! Band of Misfits (original title The Pirates! In an Adventure with Scientists!) on Netflix. This is an Aardman movie from 2012 and up to their usual high standard.
by telemark
Sun Dec 20, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

SimonJester wrote: Sun Dec 20, 2020 11:55 am This community amazes me at time, we will fret and spend hours looking to save one or two dollars on our tax software but wont take 5 minutes to setup a password manager to secure your entire life savings?
We are vast, we contain multitudes :D
by telemark
Sun Dec 20, 2020 12:47 pm
Forum: Personal Consumer Issues
Topic: Are Strong Passwords Really Necessary?
Replies: 313
Views: 15282

Re: Are Strong Passwords Really Necessary?

Online guessing is not much of a risk unless you choose a stupidly obvious password. The risk shows up after someone steals the password file, something that happens all too often, and then I somehow think that password length does matter, possibly because I used to implement password verification a...
by telemark
Thu Dec 17, 2020 4:12 pm
Forum: Personal Consumer Issues
Topic: Color laser printer - worth it for intermittent light use?
Replies: 69
Views: 2869

Re: Color laser printer - worth it for intermittent light use?

For a rarely used printer I wouldn't worry too much about toner costs. I print rarely on my BW laser printer, and it took me over five years to run through the starter cartridge. The great thing about laser printers is that you can leave them off for as long as you like and they still work as soon a...
by telemark
Thu Dec 17, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: Bernstein's 25x after 60
Replies: 95
Views: 10028

Re: Bernstein's 25x after 60

I'm 61, retired, with 10 to 12 times expenses in safe assets, depending on how much I choose to spend. For me, Bernstein's recommendation is simply unrealistic: I would have needed to work well into my 70s to reach that, and I chose to put a higher value on retiring while I'm still reasonably health...
by telemark
Tue Dec 15, 2020 6:48 pm
Forum: Personal Investments
Topic: Poor service at Vanguard making me re-think my decision
Replies: 153
Views: 14980

Re: Poor service at Vanguard making me re-think my decision

Granted, this isn't of enormous importance, but how long can it take to correct a computer glitch? Generally not too long, once the cause has been identified. On the other hand, I once spent nearly a year on that critical first step. Fortunately we weren't in production yet, but management was not ...
by telemark
Sat Dec 12, 2020 9:08 pm
Forum: Personal Consumer Issues
Topic: Recommend Honey Dispenser?
Replies: 20
Views: 1408

Re: Recommend Honey Dispenser?

Thanks! Squeeze bear currently in use, this morning was glued to the cabinet shelf. Tried a syrup dispenser, same result. Maybe a switch to granulated sugar is mandated? Sounds like you need to supplement your container with a rag and a soapy warm water rub down before putting back in the cabinet. ...
by telemark
Wed Dec 09, 2020 5:18 pm
Forum: Investing - Theory, News & General
Topic: Hypothesis: We Benefit From Irrational Investors
Replies: 16
Views: 1204

Re: Hypothesis: We Benefit From Irrational Investors

"The stock market is a device for transferring money from the impatient to the patient."

Attributed to Warren Buffett, and it does sound like something he would say.
by telemark
Tue Dec 08, 2020 7:24 pm
Forum: Investing - Theory, News & General
Topic: [Article] Isaac Newton and the perils of the financial South Sea
Replies: 33
Views: 2205

Re: [Article] Isaac Newton and the perils of the financial South Sea

Very smart people often discover the hard way that investing is not an endeavor that particularly rewards intelligence.
by telemark
Mon Dec 07, 2020 9:55 pm
Forum: Personal Consumer Issues
Topic: New Apple Mac Mini with M1 processor
Replies: 21
Views: 1936

Re: New Apple Mac Mini with M1 processor

First, this is what I use with my mini: Dell U2415 monitor I actually have the previous version, the U2412M but this is basically the same but with one HDMI input. It Has a 16:10 aspect ratio instead of the more common 16:9, giving you more vertical space, and it looks great with MacOS. Topre Realfo...
by telemark
Sat Dec 05, 2020 11:43 pm
Forum: Personal Consumer Issues
Topic: What have you baked recently?
Replies: 327
Views: 38314

Re: What have you baked recently?

Aggression cookies, using an old family recipe that is all over the web . I used whole wheat flour, because it's what I had on hand, and they came out a bit drier and more crumbly than I expected. I wonder if adding some gluten would have made a difference. Also, now that I have a food scale, measur...
by telemark
Mon Nov 30, 2020 11:01 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging Merriam-Webster vs the Boglehead Wiki
Replies: 62
Views: 3283

Re: Dollar Cost Averaging Merriam-Webster vs the Boglehead Wiki

Regardless of what we may wish for DCA to mean, it doesn't take much effort to notice that periodic investing in fixed amounts has long been regarded, in many places, as one form of dollar cost averaging. The question is whether the wiki should deny the long-established and commonly used meaning of ...
by telemark
Sun Nov 29, 2020 4:35 pm
Forum: Investing - Theory, News & General
Topic: Dollar Cost Averaging Merriam-Webster vs the Boglehead Wiki
Replies: 62
Views: 3283

Re: Dollar Cost Averaging Merriam-Webster vs the Boglehead Wiki

As I've noted before , the Wikipedia entry fails to cite any references that support its position. They cite two that disagree but hand-wave those away as "confused." The one article they do claim, from Vanguard, does not support their position either. Remember, Wikipedia by design is not ...
by telemark
Sat Nov 28, 2020 11:07 pm
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 483
Views: 86098

Re: Good Modern Science Fiction

H. Beam Piper, Little Fuzzy Piper was a student of history, and this is one of the oldest of recurring historical patterns: a shift in climate causes northern nomads to come wandering south, where they encounter city dwellers, whom they first conquer and then assimilate into. In this case the new ar...
by telemark
Fri Nov 27, 2020 7:15 pm
Forum: Investing - Theory, News & General
Topic: Doom and Gloom = Jeggings?
Replies: 10
Views: 2233

Re: Doom and Gloom = Jeggings?

Most market experts, the ones we hear about anyway, are less in the business of predicting the market than they are in the business of attracting a following. And you can do that without ever needing to be right about anything, as long as what you say sounds right to enough people.
by telemark
Fri Nov 27, 2020 4:23 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 4911
Views: 1308704

Re: What Book Are You Currently Reading? Part VI

Matthew Hughes, What the Wind Brings If it ever crosses your mind to look up the Esmeraldas region of Equador, you will find reference to Afro-Equadorian culture but only the briefest description of how it came to exist. This is a fictionalized account of the incident that started it, when a ship ca...
by telemark
Thu Nov 26, 2020 10:36 am
Forum: Personal Consumer Issues
Topic: Storing Moldy Books
Replies: 20
Views: 1579

Re: Storing Moldy Books

I'm as far from an expert as it's possible to be, but you might look into Concrobium . From their FAQ: Will Concrobium Mold Control harm artwork? Can I use it on moldy artwork or papers that are moldy? Concrobium Mold Control should not harm paper or painted surfaces. However, common sense should be...
by telemark
Wed Nov 25, 2020 9:59 pm
Forum: Investing - Theory, News & General
Topic: Not Experiencing Any Problems With Fidelity
Replies: 12
Views: 858

Re: Not Experiencing Any Problems With Fidelity

Fidelity has sent multiple emails wanting to set up an appointment with one of their financial planners. We have also received literature from Edelman Financial Services which at one time was affiliated with my 401k held at Fidelity. I have requested several times to cease and desist but to no avai...
by telemark
Wed Nov 25, 2020 9:55 pm
Forum: Investing - Theory, News & General
Topic: Who actually rebalanced recently?
Replies: 92
Views: 5748

Re: Who actually rebalanced recently?

I overweight small cap and have rebalanced out of that twice, once on the 10th and again today. Once today out of large cap. I should have rebalanced into stocks in March, but was busy dealing with other things and blew it off.
by telemark
Wed Nov 25, 2020 3:46 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - which specs should I get?
Replies: 64
Views: 4001

Re: Macbook Air - which specs should I get?

No matter what I would go with the 16GB of RAM. Chrome can use a few GB, the OS needs a few. Open a few apps (depending on your workload) and you are maxed out. High speed external storage can be added in a pinch -- RAM cannot. It's a $200 upgrade on a $900-1000 computer. Unless you're a very heavy...
by telemark
Tue Nov 24, 2020 8:58 pm
Forum: Personal Finance (Not Investing)
Topic: Underestimated on Marketplace ACA application, what to do?
Replies: 35
Views: 2615

Re: Underestimated on Marketplace ACA application, what to do?

APTC = Advanced Premium Tax Credit; this is the subsidy you get in order to defray some of the costs of the monthly premium if you make between 100% of FPL (or 133%/138% of FPL in most Medicaid expansion states) and 400% of FPL and buy a health insurance policy on the Healthcare.gov exchange (or on...
by telemark
Tue Nov 24, 2020 8:03 pm
Forum: Personal Finance (Not Investing)
Topic: Underestimated on Marketplace ACA application, what to do?
Replies: 35
Views: 2615

Re: Underestimated on Marketplace ACA application, what to do?

The supervisor probably only knows the healthcare.gov side of things, while an independent agent might be familiar with both sets of rules. Or perhaps not. The woman I talked to at Medicaid was only too happy to bounce me back to healthcare.gov, but there may be a different set of rules or incentive...
by telemark
Tue Nov 24, 2020 6:46 pm
Forum: Personal Finance (Not Investing)
Topic: Underestimated on Marketplace ACA application, what to do?
Replies: 35
Views: 2615

Re: Underestimated on Marketplace ACA application, what to do?

All you have to do is go to your exchange (coveredca, etc) and click the "report a change" button, and you can revise your application for 2021 up until the deadline. To be effective Jan 1 2021, I think you have until Dec 14, 2020 to make the change. hmm, I believe income estimates are fo...