Search found 2849 matches

by telemark
Sat May 08, 2021 8:09 pm
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 165
Views: 8441

Re: Crypto mania !

Robert T wrote: Sat May 08, 2021 5:48 pm In my view the investment process is to maximize the likelihood of achieving a target outcome (eg retirement income etc). i.e. to reduce the likely dispersion of outcomes around a particular target.
Well put. Many investors seem to view it as a contest for bragging rights.
by telemark
Sat May 08, 2021 2:35 pm
Forum: Investing - Theory, News & General
Topic: Crypto mania !
Replies: 165
Views: 8441

Re: Crypto mania !

If it turns out that large institutions, say someone like AIG, are making highly leveraged bets on crypto using what is supposed to be very safe money that belongs to other people, then I would worry because I've seen how that one ends. If a bunch of newly minted millionaires suddenly go back to not...
by telemark
Fri May 07, 2021 5:58 am
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 525
Views: 39534

Re: The Power of Working Longer

IMO most posters are missing the point of the paper. The paper isn't saying don't save much per year and more than make up for that low saving rate by planning on working a long time. Instead, the paper is answering the following question. As you get very near to your retirement date, is it worthwh...
by telemark
Wed May 05, 2021 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: Form 5498 for HSA from Fidelity not ready until May
Replies: 8
Views: 763

Re: Form 5498 for HSA from Fidelity not ready until May

Bumping an old thread, because I just got a notice from Fidelity that my 2020 Brokerage 5498-SA is now available, and I'd never seen this before since I only opened my HSA in 2020. Am I correct to assume that the previous answer still holds and I don't need to file anything?
by telemark
Tue May 04, 2021 9:33 pm
Forum: Investing - Theory, News & General
Topic: The Power of Working Longer
Replies: 525
Views: 39534

Re: The Power of Working Longer

Quotes are from the referenced article in Kiplingers . For context, I retired in 2018 at the age of 58, which I did not regard as particularly early. Do the math For every additional year (or even month) you work, you'll shrink the amount of time in retirement you?ll need to finance with your saving...
by telemark
Mon May 03, 2021 9:10 am
Forum: Personal Consumer Issues
Topic: large battery-operated fans
Replies: 12
Views: 710

Re: large battery-operated fans

I have a Vornado electric fan that runs from a 24V DC power adapter. You might be able to put together a battery to run that, and it should be more efficient than running an AC motor from a power inverter.
by telemark
Mon Apr 26, 2021 1:28 am
Forum: Investing - Theory, News & General
Topic: 'The long, long bull market since 2009 has finally matured into a fully-fledged epic bubble' - GMO
Replies: 217
Views: 25952

Re: 'The long, long bull market since 2009 has finally matured into a fully-fledged epic bubble' - GMO

The guy's been so wrong for so very, very long now, doesn't that mean he's due to be right? I think that's how it works. Either that or finally maturing into a fully fledged epic pit of wrongness.

Anyway, points for hyperbole, which as we all know is the worst thing ever.
by telemark
Mon Apr 26, 2021 12:47 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6685
Views: 1462626

Re: What Movie Have You Recently Watched?

Ma Rainey's Black Bottom (Netflix) Sadly this dragged but the performances from the late, great Chadwick Boseman and Viola Davis are amazing. :beer It's a bunch of people standing around in a room and talking too much. Which makes perfect sense for a stage play but doesn't work so well as a movie. ...
by telemark
Sun Apr 25, 2021 9:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 15173
Views: 1170244

Re: U.S. stocks continue to soar!

Beensabu wrote: Sun Apr 25, 2021 8:33 pm You want a buy and hold signal?

Divide the capitalization of the S&P 500 by the capitalization of the S&P 500.

If the answer is 1, buy and hold and continue to rebalance to your chosen AA.
:sharebeer
by telemark
Mon Apr 19, 2021 3:58 pm
Forum: Investing - Theory, News & General
Topic: If active investing is foolish, why do we utterly, blindly trust active investors (fools) to set prices for us?
Replies: 26
Views: 2692

Re: If active investing is foolish, why do we utterly, blindly trust active investors (fools) to set prices for us?

I would love to set my own prices, paying what I think things are worth instead of what the fools in the market set. Still looking for a way to do that.
by telemark
Mon Apr 19, 2021 6:29 am
Forum: Personal Consumer Issues
Topic: Preserving ink jet ink cartridges
Replies: 6
Views: 579

Re: Preserving ink jet ink cartridges

If you leave the printer powered on, it should run periodic cleaning cycles. This uses ink, of course, but it's better than letting the whole cartridge go bad.
by telemark
Sat Apr 17, 2021 8:10 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver Replacement Head Replacements?
Replies: 16
Views: 1257

Re: Electric Shaver Replacement Head Replacements?

What you linked... the first link is replacement heads and the other link is the other part right? Right. Don't i only need the replacement heads? I have the other part... It depends on what the problem is exactly but no, I don't think you need a new assembly. But you might be able to find replacem...
by telemark
Sat Apr 17, 2021 8:02 pm
Forum: Personal Consumer Issues
Topic: Facemask Recommendations?
Replies: 45
Views: 3030

Re: Facemask Recommendations?

waltman300 wrote: Sat Apr 17, 2021 6:46 pm Always curious about how i also see people wearing those face masks where those are reusable so they wash it etc.
I wear reusable masks that have a pocket for replaceable filters, for example the Halo mask and the Meo mask.
by telemark
Sat Apr 17, 2021 7:39 pm
Forum: Personal Consumer Issues
Topic: Electric Shaver Replacement Head Replacements?
Replies: 16
Views: 1257

Re: Electric Shaver Replacement Head Replacements?

I buy mine at Target, for example https://www.target.com/p/philips-norelco-series-3000-replacement-head-sh30-52/-/A-51096813#lnk=sametab In spite of the picture, these are the three heads only, not the entire assembly. Make sure you get the right ones for your model. I did need to buy an entire asse...
by telemark
Tue Apr 13, 2021 10:35 pm
Forum: Investing - Theory, News & General
Topic: Is this the single worst time to be a passive investor
Replies: 73
Views: 9472

Re: Is this the single worst time to be a passive investor

It is always the worst time to be a passive investor. Also, always the best time. The best time not to time the market is always.
by telemark
Mon Apr 12, 2021 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 62
Views: 5930

Re: HSA advice Jane Quinn How to Make Your Money Last

This I don't understand. Don't we have to be employed with a high deductible health plan to contribute to an HSA? Can a retired person (not employed) with a high deductible health plan (if there are such things) contribute to an HSA? I have a high deductible ACA plan that is HSA eligible.* I opened...
by telemark
Sun Apr 11, 2021 7:15 pm
Forum: Investing - Theory, News & General
Topic: “Buy and Hold No More” says A16Z
Replies: 90
Views: 9312

Re: “Buy and Hold No More” says A16Z

I am a below average investor (it has to be someone), but indexing allows me to get average returns despite my complete ignorance of consumer trends. A win!

Also, "things" are always changing, but somehow this time is never different.
by telemark
Sun Apr 11, 2021 1:43 am
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 62
Views: 5930

Re: HSA advice Jane Quinn How to Make Your Money Last

Personally, I didn't have the opportunity to use an HSA until after I was retired and on the ACA, and now I treat it primarily as a way to get money into Roth tax-free: if I contribute $1000 to my HSA and then convert $1000 from my traditional IRA to Roth, the net effect on my taxes is zero but I n...
by telemark
Sat Apr 10, 2021 10:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Portfolio Watch has a new look [Calculations may be incorrect]
Replies: 167
Views: 12952

Re: Vanguard Portfolio Watch has a new look

... with the increasing number of companies who are marginalizing desktop users and providing no service or degraded service for desktop users. Nobody cool uses desktops any more. Even remembering that they exist makes you look old. Best just to forget about them. Me go back cave now. (But it's a n...
by telemark
Sat Apr 10, 2021 9:57 pm
Forum: Investing - Theory, News & General
Topic: CryptoHeads: What's next after NFTs?
Replies: 22
Views: 1733

Re: CryptoHeads: What's next after NFTs?

According to the Elon Musk Hypothesis, it will be whatever that interesting gentleman decides to tweet about next. So if you can predict that, your fortune is made :D
by telemark
Sat Apr 10, 2021 9:34 pm
Forum: Personal Finance (Not Investing)
Topic: HSA advice Jane Quinn How to Make Your Money Last
Replies: 62
Views: 5930

Re: HSA advice Jane Quinn How to Make Your Money Last

In my copy on page 86* it says Warning: You can't bring your HSA with you when you change jobs unless your new employer's plan has been set up to receive it, which usually is not the case. Nor can you roll it into an IRA. So spend the money as you go along, don't let it build up. When you leave the ...
by telemark
Sat Apr 10, 2021 9:12 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Re: Electric water heater for a confined space

Edit Uh.... Those tanks from Lowe's are 240 volts..... What's the issue? Have you looked into the tankless water heaters? We are when time comes, but not sure of location for you. Tankless would be perfect if the wiring in the building could handle it, but it can't :( Why not? Have you had an elect...
by telemark
Fri Apr 09, 2021 9:24 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Re: Electric water heater for a confined space

Lalamimi wrote: Fri Apr 09, 2021 9:01 pm Have you looked into the tankless water heaters? We are when time comes, but not sure of location for you.
Tankless would be perfect if the wiring in the building could handle it, but it can't :(
by telemark
Fri Apr 09, 2021 8:53 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Re: Electric water heater for a confined space

Some people run a small house on that home depot water heater. 1 or 2 person household. It has two elements in it. Home Depot shows the height as 31.5 inches with the connections on the top, which puts it right on the bleeding edge of what's possible. The connecting tubing has to bend at a sharp an...
by telemark
Fri Apr 09, 2021 8:04 pm
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Re: Electric water heater for a confined space

Dept of Wild Ideas: two 20-gallon heaters, in series? But there isn't really enough room on the other side due to the sink drain, and it would mean running connecting pipes every which way. Not to mention doubling the cost. Extreme solution: rip out the existing counter and sink, install the new hea...
by telemark
Fri Apr 09, 2021 10:27 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Re: Electric water heater for a confined space

Thanks to everyone who replied. I don't think tankless will work, because the electrical connection is limited to 40 amps at 240V, and the tankless heaters I looked at needed something on the order of 100 amps. One of my neighbors tried a tankless heater and ended up replacing it. If I buy the heate...
by telemark
Fri Apr 09, 2021 8:54 am
Forum: Personal Consumer Issues
Topic: Electric water heater for a confined space
Replies: 20
Views: 1279

Electric water heater for a confined space

The water heater in my condo is under the counter in the bathroom. The available space measures 34 inches from the concrete floor to the bottom of the counter and a little less than 24 inches deep. It's further constrained by the sink limiting the space around the top. This narrows the decision proc...
by telemark
Thu Apr 08, 2021 4:40 pm
Forum: Personal Consumer Issues
Topic: walking shoes with wide toes?
Replies: 48
Views: 3083

Re: walking shoes with wide toes?

Xero shoes all have wide toe boxes. I wouldn't go hiking in my Hanas, because they're too nice, but they're good for walking around town.
by telemark
Sun Apr 04, 2021 1:52 pm
Forum: Investing - Theory, News & General
Topic: Common Cents On Roth Conversions
Replies: 32
Views: 4023

Re: Common Cents On Roth Conversions

It's frustrating that what should be a simple, fundamental, self-evident principle -- the complete equivalence of pre-tax and Roth accounts, given equal tax rates -- should be so difficult to explain simply and clearly (this is not a knock on the author, who does one of the better jobs with it). At ...
by telemark
Sun Apr 04, 2021 5:17 am
Forum: Investing - Theory, News & General
Topic: Risk Less Make More - Jonathan Clements
Replies: 34
Views: 3795

Re: Risk Less Make More - Jonathan Clements

Triple digit golfer wrote: Sat Apr 03, 2021 5:46 pm Tomato, tomato.

But obviously tomato is right and tomato is wrong. :P
You say potato
by telemark
Thu Apr 01, 2021 9:56 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6685
Views: 1462626

Re: What Movie Have You Recently Watched?

Spaceballs Awesome as always! I originally saw it in the theater on its initial release. But then I noticed that was 34 years ago. Ouch, made me feel old. But not as old as Yogurt. I think the parody has aged better than the original. The bit where the Dark Helmet is playing with his action figures...
by telemark
Tue Mar 30, 2021 11:12 am
Forum: Personal Consumer Issues
Topic: What are you listening to now
Replies: 1688
Views: 102610

Re: What are you listening to now

Pampa Blues, by Tango Boréal. It's either blues-flavored tango or tango-flavored blues. Good either way.
by telemark
Mon Mar 22, 2021 3:36 pm
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1810

Re: Digital Music/Audio Makeover

I take it from this discussion that there is no way to simply rip CDs to Flac format, transfer the files to an iPhone and create a music library, and then stream as desired to Sonos. Am I right? Must the process involve some external networking/storage hardware? Now that you mention it, that works ...
by telemark
Mon Mar 22, 2021 10:37 am
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1810

Re: Digital Music/Audio Makeover

I take it from this discussion that there is no way to ‘simply’ rip CD’s to Flac format, transfer the files to an iPhone and create a music library, and then stream as desired to Sonos. Am I right? Must the process involve some external networking/storage hardware? Now that you mention it, that wor...
by telemark
Mon Mar 22, 2021 1:35 am
Forum: Personal Consumer Issues
Topic: Digital Music/Audio Makeover
Replies: 27
Views: 1810

Re: Digital Music/Audio Makeover

Sonos supports pulling music from a local SMB share. You can set one up on a computer running Windows, MacOs, or Linux, or get a NAS and use that. The catch is that Sonos only supports version 1 of the SMB protocol, which has known security holes, so there is some risk if someone gets past the firew...
by telemark
Sun Mar 21, 2021 12:18 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6685
Views: 1462626

Re: What Movie Have You Recently Watched?

Let the Bullets Fly (2010) Another 1920s China adventure, this time with Chow Yun-fat and the always watchable Carina Lau. I was going to call this a spaghetti western*, but despite the title it's maybe a bit too heavy on plot and light on action to qualify. Lots of plotting and scheming with everyo...
by telemark
Sat Mar 20, 2021 11:47 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15606

Re: What do most people do with a 401K upon retirement if they dont need it?

For building generational wealth you are probably better off just investing the money in taxable. That way your children inherit with a stepped up basis. Such as taking the RMD and sticking it in vtsax it something similar? That and just investing the money directly in VTSAX instead of putting it i...
by telemark
Sat Mar 20, 2021 11:35 pm
Forum: Personal Investments
Topic: What do most people do with a 401K upon retirement if they dont need it?
Replies: 169
Views: 15606

Re: What do most people do with a 401K upon retirement if they dont need it?

For building generational wealth you are probably better off just investing the money in taxable. That way your children inherit with a stepped up basis.
by telemark
Thu Mar 18, 2021 4:24 pm
Forum: Personal Consumer Issues
Topic: Selling rare/expensive beanie babies
Replies: 56
Views: 6072

Re: Selling rare/expensive beanie babies

I couldn’t help but think of this when I read this thread... Late 90s Photo Of Divorcing Couple Splitting Up Their Beanie Babies Now that is a picture worth 1000 words or more! Glad we made sure each Beanie Baby that entered our household was de-tagged and treated like a toy. We wanted to discourag...
by telemark
Tue Mar 09, 2021 5:01 pm
Forum: Personal Investments
Topic: Empower 401k Lineup Options
Replies: 4
Views: 335

Re: Empower 401k Lineup Options

The NT S&P 500 Index Fund is, obviously, an S&P 500 index fund. You might consider combining it with the NT Extended Equity Mkt Index to approximate the total stock market. I believe the ratio is four parts S&P 500 to one part extended market index.
by telemark
Tue Mar 09, 2021 2:12 am
Forum: Investing - Theory, News & General
Topic: Satisficing in the investment game
Replies: 22
Views: 2429

Re: Satisficing in the investment game

I don't know if Arthur C. Clarke's story "Superiority" is still required reading anywhere, but it ought to be--an excellent fable demonstrating why sticking with "good enough" can be wise. It used to be required reading for First year MIT (I don't know if that is true or not). I...
by telemark
Sun Mar 07, 2021 2:54 pm
Forum: Investing - Theory, News & General
Topic: Satisficing in the investment game
Replies: 22
Views: 2429

Re: Satisficing in the investment game

I don't know if Arthur C. Clarke's story "Superiority" is still required reading anywhere, but it ought to be--an excellent fable demonstrating why sticking with "good enough" can be wise.
by telemark
Fri Mar 05, 2021 8:18 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 6685
Views: 1462626

Re: What Movie Have You Recently Watched?

High Road to China (1983)

Bess Armstrong and Tom Selleck adventuring through Afghanistan, Nepal, and China in search of her father, the show-stealing Wilford Brimley. Not necessarily great art, but definitely great fun. Rented on Amazon Prime.
by telemark
Sun Feb 28, 2021 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: External self-storage facility as 1-stop-shop for liquidating an estate?
Replies: 22
Views: 1515

Re: External self-storage facility as 1-stop-shop for liquidating an estate?

There are "senior move" companies/agencies now, and they assist with an actual move (packing up from home/facility, unpacking at new facility, etc.), and a service that is usually offered is to "take care of everything left", up to and including helping with a home sale (outside...
by telemark
Fri Feb 26, 2021 2:36 am
Forum: Personal Investments
Topic: Vanguard asks for employer/income during account transition
Replies: 50
Views: 6276

Re: Vanguard asks for employer/income during account transition

I will speculate that if you call a Vanguard rep, assuming that you can get through to one, you could probably talk your way into converting without needing to provide that information. I haven't tried, because I'm perfectly happy with my boring old mutual fund account that I manage myself.
by telemark
Wed Feb 24, 2021 3:26 pm
Forum: Forum Issues and Administration
Topic: What is the deal with "DW"?
Replies: 104
Views: 5905

Re: What is the deal with "DW"?

Dear Wife Dear Husband Dear Son Dear Daughter I agree it is a little odd how prevalent this usage is on a forum that doesn't use much slang. Why are all dear? Why do I have to know that they are dear to the poster? When the dear part becomes default doesn't lose all the value? So many questions! I ...
by telemark
Wed Feb 24, 2021 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage prepayment -> Principal Reduction versus the usual
Replies: 14
Views: 1180

Re: Mortgage prepayment -> Principal Reduction versus the usual

The money either goes to principal reduction, which reduces your interest over the remainder of the mortgage, or it is treated as an interest-free loan of money that will eventually be applied towards a future payment. If you don't specify which one you want, the processor gets to pick. Guess which ...
by telemark
Sat Feb 20, 2021 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Making Sense of Healthcare.gov Pricing and Subsidies
Replies: 59
Views: 3016

Re: Making Sense of Healthcare.gov Pricing and Subsidies

Watty, thanks for the response. I see what you're saying but here's what has surprised me: I know lots of people who keep working up till age 65 in order to get employer medical insurance. It appears to me that they are paying more for their employer-subsidized plan than they would if they stopped ...
by telemark
Fri Feb 19, 2021 7:32 pm
Forum: Personal Consumer Issues
Topic: No Heat Foods?
Replies: 92
Views: 4927

Re: No Heat Foods?

Canned baked beans. Thousands of cowboy movies can't be wrong...