Search found 2839 matches

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: 2586

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: 560

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: 14
Views: 972

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: 2907

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: 14
Views: 972

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: 9338

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: 5743

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: 9127

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: 5743

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
Replies: 109
Views: 9043

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: 1708

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: 5743

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: 1262

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: 1262

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: 1262

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: 1262

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: 1262

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: 1262

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: 2947

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: 3941

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: 3783

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: 6591
Views: 1453436

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: 1589
Views: 95178

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: 1782

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: 1782

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: 1782

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: 6591
Views: 1453436

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: 15373

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: 15373

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: 5994

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: 329

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: 2418

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: 2418

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: 6591
Views: 1453436

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: 1505

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: 6218

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: 5543

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: 1178

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: 2992

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: 4889

Re: No Heat Foods?

Canned baked beans. Thousands of cowboy movies can't be wrong...
by telemark
Thu Feb 18, 2021 4:09 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18535

Re: Any Boglehead Lessons From the Texas Winter Storm?

Up until this incident, I thought a natural-gas generator was the high-end system. But it sounds like many of them would have failed in Texas. Does this mean you need to use propane, even if you already have natural gas to the house? I'm not certain large swaths of residential customers lost natura...
by telemark
Thu Feb 18, 2021 1:45 pm
Forum: Personal Consumer Issues
Topic: Any Boglehead Lessons From the Texas Winter Storm?
Replies: 226
Views: 18535

Re: Any Boglehead Lessons From the Texas Winter Storm?

Lightweight synthetic long underwear (base layer for skiing) is surprisingly effective at keeping you warm, and folds up very compactly for storage. Hats, gloves, and warm socks also require little room.
by telemark
Mon Feb 15, 2021 7:51 pm
Forum: Personal Consumer Issues
Topic: Electric car in evacuation situation
Replies: 143
Views: 12214

Re: Electric car in evacuation situation

For this very specific use case, a conventional or plugin hybrid has the advantage. You get the efficiency of an electric in stalled traffic plus the energy density and ease of handling (dare I say liquidity?) of gasoline. Add a couple of 5-gallon cans of gasoline for a range extender.
by telemark
Sun Feb 14, 2021 4:14 pm
Forum: Personal Investments
Topic: Is there a way to reduce taxes on dividends gained in brokerage account?
Replies: 17
Views: 4182

Re: Is there a way to reduce taxes on dividends gained in brokerage account?

Selling off some shares each year, and using that money to buy a stock index fund in a Roth IRA is a good idea. She'll be reducing the single company stock risk, (see Enron), and she'll be controlling the growth of the annual dividend payments. By the way, as far as taxes go, whether she takes the ...
by telemark
Thu Feb 11, 2021 12:53 pm
Forum: Personal Consumer Issues
Topic: What is your favorite non fiction book?
Replies: 142
Views: 8514

Re: What is your favorite non fiction book?

Three Men in a Boat, to Say Nothing of the Dog by Jerome K. Jerome.

The author assures us that everything described is absolutely true.
by telemark
Wed Feb 10, 2021 10:08 pm
Forum: Personal Finance (Not Investing)
Topic: Workarounds for turbotax no paste passwords bug
Replies: 32
Views: 2500

Re: Workarounds for turbotax no paste passwords bug

I'm using FreeTaxUSA this year so haven't run into this, but perhaps some of the suggestions here might be useful: https://www.howtogeek.com/251807/how-to-enable-pasting-text-on-sites-that-block-it/ U.S. Bank recently redesigned their web site and I now have similar problems there, currently resolve...
by telemark
Tue Feb 09, 2021 4:45 am
Forum: US Chapters
Topic: Why A Good Boglehead Must Leave The Bogleheads Forum
Replies: 180
Views: 18404

Re: Why A Good Boglehead Must Leave The Bogleheads Forum

Discussions on the forum tend to fall into distinct categories, including intensely practical advice concerning someone's particular investment options, tax situations, etc. highly theoretical discussions concerning how many basis points can dance on the bend point of an efficient frontier. heated d...
by telemark
Mon Feb 08, 2021 8:59 am
Forum: Personal Consumer Issues
Topic: Anyone else like having passwords that they can remember?
Replies: 65
Views: 3773

Re: Anyone else like having passwords that they can remember?

No. I now have over 90 accounts at various places, some of which probably don't exist any more. That's way more than I could remember even if I wanted to try. Which password goes with which account? Not going there. I do have a small number of passwords memorized, for example my Chromebook password,...
by telemark
Mon Feb 08, 2021 8:47 am
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 497
Views: 88424

Re: Good Modern Science Fiction

The Nook and Kindle stores have "The John Brunner Collection Volume One: The Sheep Look Up, The Crucible of Time, and The Jagged Orbit" on sale for $3.99, marked down from $19.99, so I picked up a copy, electronically speaking, and am about half way through The Jagged Orbit . It's set in 2...
by telemark
Fri Feb 05, 2021 4:44 pm
Forum: Personal Consumer Issues
Topic: Mask filters?
Replies: 34
Views: 1874

Re: Mask filters?

I'm currently using some Earth Filters that I got during their Kickstarter, but there doesn't appear to be any way to order them at the moment. When those run out I'll probably switch back to my Halo mask, which is very light and easy to breath through but also makes my glasses fog up, even using th...