Android 8

Android 8

I upgraded my Google Nexus 5X to Android 8 a while ago. It now includes several updates and is at 8.1. What a mess.

Alarms go off late sometimes (I think mostly when the phone is in sleep mode).

SSHelper, a very useful app that runs a secure server, doesn't work. Apparently Android 8 aggressively shuts down background tasks to save battery power. Why doesn't it let me exempt programs?

And battery usage doesn't appear any different than with Android 7.

Sometimes, when I turn on my phone, it comes up in Google Play. Why?

Insets are a useless gimmick. It was so annoying with Maps that I had to disable it. (I do appreciate the disable option.)

I haven't found a good use for split screen, so that's a waste.

Dolphin browser, often leaves the keyboard on top of web pages, about 50% transparent. You can't get rid of it. I don't know if this is related to Android 8, but that's when it started doing this. I was using Dolphin because was dramatically faster than a previous version of Firefox. Chrome incorrectly renders some tables, making it useless for some web pages. Now it's back to Firefox.

I finally gave up waiting for Android Chrome to be fixed. The problem is multiple lines separated by line breaks in a table cell - these caused the font size to go crazy. I replaced the multiple lines with a single column table. Problem fixed. What a pain. I was set to start using Chrome. It has a new feature - a news feed on the home page. And an annoying tab menu. So I'm using Firefox, but my contra dance links work with Chrome now!

Of course they still haven't fixed the problem that when you use an app to turn off the screen, the fingerprint reader won't turn the phone back on. That started with Android 7.

There is no reasonable way to go back to 7.

I suggest another "law" related to computers (including phones, probably tablets but I have found no use for tablets), along the line of Moore's law about computer processing power. Every year, consumer operating systems add features and bugs/incompatibilities at about the same rate. This makes them less and less useful. Eventually they will all degrade to the point of being unable to handle basic features - screen, phone, internet. Then it's back to dedicated devices - flip phone, calculator, music player, ...


More Fun with Investing

More Fun with Investing

For an introduction, see my post on investing, from last week. This post will just be useful terms and concepts. It will not be an organized lesson in investing. Having just read and edited it, I must say it's pretty boring. But your financial future is at stake, so read on.


I hate to spend time on annuities because they are generally not good. But financial advisers will push them, so you might want to understand them.

An annuity is a contract where you give a big chunk of money to a financial firm and they promise to make regular payments to you until you die. This is like buying a pension.

There are different types of annuities -

  • "Fixed" these pay a fixed rate on the contract value.
  • "Variable" - the contract value is based on a basket of mutual funds chosen by the user.
  • "Indexed" - the contract value rises with, but not as fast as, a rising stock market.
  • "Immediate" - the payments start immediately.
  • "Deferred" - the contract starts as a pure investment and the payments begin when the user "annuitizes".

Sounds good, but you will generally hear these issues - the fees are high and obscure, you give up control over your investment, your money vanishes when you die (not that you will care, but others might).

If I've said anything that is incorrect, it is because I have no experience with annuities. Buy only from a fiduciary and read any contract carefully.


Types of bonds -

  • "Municipal" - issued by state and local governments, the interest is generally tax free, some are subject to the Alternative Minimum Tax (AMT).
  • "Government" -  issued by the federal government, the interest is generally tax free at the state and local level, but taxed by the IRS.
  • "Corporate" - issued by corporations, which may fail. Bond holders have first rights to corporate assets on corporate failure (unless our leaders decide to change the law retroactively, such as the General Motors failure during the housing crisis). The interest is taxed.
  • "Junk" - bonds from companies that have a questionable future, you get high interest rates in return for relatively high possibility of failure. Taxed interest.

If you have a lot of money, such that the income from AMT-free municipal bonds is all that you need, you can live tax free. A lot of people get upset when they hear that these rich people don't pay taxes. But in return, they are getting very low interest rates, and they are supporting government borrowing (which I get upset about).

Interest rates have been dropping since about 1980. This has given a nice boost to bond fund performance. But they can't go much lower and they are starting to creep up. Rising interest rates will hit bonds. See "duration" in my previous post. If you are looking for a safe place for money, THERE ISN'T ONE.

Mutual Funds

Mutual fund fees include a sales fee, called a load, (front end for type A shares, etc.), a management fee, and a 12b-1 fee (advertising fee). The 12b-1 fee and the management fee are included in the total expense ratio (ER). Earnings are reported after expenses have been deducted.

For load funds, the front end loads are absurd, usually 5% of your initial investment - avoid these funds. They are sold at full service brokerages, banks, and directly from some mutual fund companies. You will NOT get better fund management by paying a sales fee.

No load funds are available at discount brokerages (Fidelity, Schwab, etc.) and directly from some mutual fund companies. Discount brokerages charge a transaction fee on some no load funds, but this is about $50 for a purchase or sale. No transaction fee (NTF) funds at discount brokerages usually have higher expense ratios to help pay brokerage management costs.

Total expense ratios (ER) range from about .25% to 1.5%. That's how much of your fund is taken from you every year. There are two way to look at this fee - as a fraction of the total value of your investment it seem inocuous, but as a fraction of your earnings it can be very high. If a fund has a 1% ER and reports a 4% gain (after expenses are taken) in a given year, management has taken 20% (1/(4+1)) of the earnings. Another fund might have a .5% ER and make 4%. Here management has taken only 11% (.5/(4+.5)) of the earnings. But net to you it's the same 4% - earnings are reported after expenses are deducted. But the first fund has to earn 5% to report 4% earnings, the second fund just 4.5%. A lower expense ratio gives a better chance of making better earnings. And since you would ask if this were question and answer - higher expense ratios to not buy better management.

Vanguard has become the biggest mutual fund company in the US by offering very low ER index funds and actively managed funds. It is owned by its own mutual funds, so any profit goes back to the fund holders. If Vanguard has a fund that meets your needs, it is likely the lowest cost choice (for some index funds, maybe not, but very close).

Allocation to different market segments can be useful to diversify investments - large cap, medium cap, small cap - growth stocks, value stocks, - US, foreign - short term bonds, intermediate term bonds, long term bonds, junk bonds - stocks, bonds, real estate, precious metals. "Allocation" or "balanced" funds can help with this.

If you have decided on a balance of investments, stock to bonds or value to growth for example, you should maintain that balance by "rebalancing" regularly. This requires moving money from more successful investments to less successful investments. Not easy, but remember that may be moving money from volatile investments (stocks) to steady investments (bonds), or maybe from segments that have grown to segments that are poised for growth. Balanced or allocation funds handle this without intervention.

Mutual fund names - sometimes the names describe the fund, sometimes they don't. Be careful.

For actively managed mutual funds - past performance is not a good predictor of future performance. If the performance was due to strategy, structure, low fees, maybe. If it was due to a genius manager, maybe - the difference between genius and luck is hard to determine. If it was due to a genius manager who has been replaced - no. If it was due to cherry picked time frames - no. If it was due to fund merging with selective reporting - no.

Past analysis will tell you that you cannot successfully time investments in the stock market. You can put new money in the market immediately or "dollar cost average" it in, that is, put money in a little at a time, to prevent immediate loss due to a crash. Statistics show that the former method works better, but may be more psychologically stressful.

My suggestion - balanced/allocation mutual funds, US (DODBX, MAPOX, PRWCX, VWELX, VWINX for example) and global (RPGAX, VGWIX, VGWLX). Buy and hold - let the fund manager worry about navigating the financial markets. This is a conservative approach. If you are young, or need to build savings fast, or like to take risk, there are other approaches.

Stupid Stuff

Stock market changes are generally quoted in dollars. This is STUPID. What counts is percent change. The news keeps exclaiming how fast the $1000 marks keep coming for the Dow Jones Industrial 30 index. About ten years ago it was at $10000, a $1000 increase was 10%. Now it's at $25000, a $1000 increase is 4%.




The world of retirement has changed dramatically since I started my first job, at IBM. The plan in 1980 was spend a career at IBM and you will have a pension that will support you until you die. It turns out that that was not reality.

Defined benefit plans, also known as pensions, have given way to tax advantaged personal savings plans with employer assisted contributions (401K, 403B). A lot of people are unhappy with the loss of pensions but there are problems with pensions.

If you are in a pension plan - DO NOT count on it. The money is not in your hands - it is debt to you. And only part of this debt has been funded - the rest is just a promise. If your employer has money problems, your pension may not be there. Companies die, and that includes big companies that people thought would last forever. Companies and state and city governments over-promise, under-fund, and can't necessarily fulfill their obligations. If you are counting on the Pension Benefit Guarantee Corporation, it's nowhere near a 100% guarantee, and an economic crisis could wipe it out quickly.

If you are in a personal savings plan, you have advantages and disadvantages compared to a pension. The big advantage is that the money is in your hands, you own it, you have control (well, some control). The big disadvantage is you must take PERSONAL RESPONSIBILITY for it.

So what should you do? Save and invest. Mutual funds, pooled money investments in stocks, bonds, "precious" metals, are widely used and a moderately easy way to manage a diversified portfolio. But they are easily abused by financial advisers. You must understand them and take personal responsibility in their use.

At a MINIMUM, you need to understand the terms and concepts below. This will get you started, just barely. Look them up on Wikipedia or a book about investing. If learning about this stuff is abhorrent to you, just look up one term every week.
  • fiduciary - an adviser who puts your interests first - if you need an adviser, this is CRITICAL
  • stock - a share in ownership of a corporation
    • dividends - money paid to a company's shareholders, generally yearly
    • growth stock - growth stocks typically appreciate mostly by appreciation of the market share price
    • value stock - value stocks typically pay dividends that support their market share price and can be reinvested
  • bond - a debt note from a company that is generally paid at the date of maturity (can be traded like stocks at any time up to maturity)
    • duration - the time to maturity of a bond  (roughly the percent loss in value of a bond for a 1% rise in interest rates)
    • bond price versus yield - if interest rates go up the value of held bonds go down, so that similar bonds have essentially the same interest rate
  • mutual fund - pooled money invested in stocks, bonds, etc. - regulated by the US Securities and Exchange Commission
    • index fund - a mutual fund that tracks an index (as opposed to active management)
    • exchange traded fund - a mutual fund that trades on a stock market exchange
    • load - a sales fee on a mutual fund, in general AVOID these
    • no load mutual fund - a mutual fund that has no sales fee
    • expense ratio - the percentage of your mutual fund value that is charged as managing fee
    • turnover - the percentage of mutual fund assets that is sold and replaced each year (relates to how a fund is managed, tax efficiency)
    • assets - the total value of a mutual fund (relates to effective management)
    • capital gains - the appreciation in value of a mutual fund
    • distributions - monthly, quarterly, or yearly money paid from a mutual fund due to appreciation in value or dividends
    • reinvested distributions - distributions that are used to purchase more shares in the fund
    • average duration - the effective average time to maturity of the bonds in a fund  (roughly the percent loss in value of a bond fund for a 1% rise in interest rates)
Tax Advantaged Accounts
  • IRA - a retirement savings account funded generally with untaxed money, invested and appreciated money is not taxed until it is withdrawn
  • 401K - similar to an IRA but managed by an employer, often with some matching funds
  • 403B - similar to a 401K but managed by an public sector employer, but there are significant differences that need your attention
  • Roth versions of IRA, 401K, 403B - a retirement savings account funded with after-tax money, appreciated money is tax free
Investment Sectors
  • Dow Jones index - 30 huge US companies
  • S&P 500 index - 500 big US companies
  • Nasdaq index - tech companies
  • Russel 2000 index - small companies
  • AGG - aggregate bond exchange traded fund
  • EFA - Europe, Far East, Australia exchange traded fund
  • ICF - real estate exchange traded fund
  • GLD - gold exchange traded fund
There is free money to be claimed via employer matching contributions. There are efficient and inefficient tax strategies for your savings. There are severe penalties for not taking required minimum distributions from an IRA. There are multiple ways to give away money to advisers, money managers, stock brokers, and scam artists (this is not a desirable thing to do with your money).

I'm not saying that learning all of this is fun. I'm saying that if you don't handle your savings well, you will end up with much less savings. And I hate to see people throw away money that would make life easier.




Random thoughts about creativity, art, and invention.

Thinking outside the box - that's a nice phrase. If the box is well defined, it's probably there for a good reason, and thinking outside of it is not particularly useful.

Often, it's from the box that you don't recognize that you need to escape. You are limited by paradigms that are so internalized that you don't know that they are limiting you. Paradigms are very useful to help you manage in the world. But when you are trying to find new ways of doing things, they get in the way.

There are twelve tones in the even tempered Euclidean musical scales - A, A#, B, C, C#, D, D#, E, F, F#, G, G#. These correspond to frequencies ratios 2^(n/12). So the interval from one note to the same note, one octave up, is a double the frequency. A lot of the other tones work out to be close to a simple ratio of frequency, for example A-E, an interval know as a fifth has the ratio 2^(7/12) ~= 3/2. Tempering - adjusting the frequencies slightly - can improve the musicality. Using these twelve tones, you can construct many seven note scales that sound good, for example C,D,E,F,G,A,B is the "C major" scale. This is a paradigm that western music is built on. When more limited scales are used - five note scales (pentatonic), chosen from the seven - there is some nice music. When all twelve tones are used together, the "atonal" composers escape from the box, the music sounds TERRIBLE. There are other scale paradigms, I'm not familiar with them, I assume they can sound good or bad. The point is that paradigms/rules are there to limit bad things, but they sometimes limit good things too.

I have no love for visual art. I think that is because I haven't seen anything of human creation that is as good to look at as what is on display in nature. But I can respect visual art that shows creativity AND craftsmanship. Have an idea that you want to express, assemble a bunch of objects that other people have created? No thanks. Show some skill in creating the objects so that there is more to look at than the idea. Yes. Why? Because a multitude of people have already expressed that idea. To get my attention, you need to let me see originality in creating your expression of the idea.

Sometimes, brilliant ideas are a failure. That doesn't make the ideas worthless.

I first read about the Rolomite in Popular Science magazine maybe fifty years ago. Some considered it a new basic mechanical invention. Really neat idea. I'm not aware that it was ever used.

The Wankel, rotary internal combustion engine. No valves, no reciprocating pistons, compact, smooth. It worked well enough in real life for Mazda automobiles, until its odd combustion chamber with poor sealing caused it to lose to well developed piston engines for efficiency and emissions. Maybe future developments will fix these problems, but for now it can't compete. But it was a brilliant idea.

I watched The Apprentice on TV a lot (not the celebrity version, which is totally stupid). One of the contestants had an idea for the competition. No one else in the group offered anything. The group went forward with the idea. It failed. Trump fired the person who had the idea - "bad idea - you're fired" (to paraphrase). HUH? You fired the only one on the team that had an idea?

I hate the concept that being different is more important than beauty. That's the overwhelming trend in automobile styling. The result is ovewhelming ugly. Maybe that's the concept behind atonal music too.

I can't remember where this conversation about new contra dances came from, but it went something like this - "95% of new dances are crap" response "95% of everything new is crap". Be thankful for the other five percent and keep trying.




Back to the negative. It is very cold - I must be in a bad mood.

Noise pollution made a few headlines many years ago, maybe the 70s, I'm not sure. But apparently now no one gives a damn.

Cooking alarms in fast food restaurants are nasty. How can you enjoy food when interminable beeps are piercing your head? Long John Silvers is the worst of these that I have experienced. (But their fried fish with malt vinegar is delicious. I'm not sure if this is related to the noise).

Air blower hand driers are one of the worst offenders. I don't understand how people can use them. I have to cover my ears if I'm in the room when they start. They are not all terrible, but most of them are, in my experience.

Buzzing lights - that's really buzzing ballasts that drive fluorescent and  mercury vapor lights. They are not extremely loud but they are very annoying.

Gas powered leaf blowers, string trimmers, and lawn mowers should be banned. The people using them can use earplugs, but the people walking by are not prepared.

Helicopters - why is it legal to fly a helicopter over my house and disturb me. I can't hear the phone, stereo, or television for 30 seconds.

Air conditioner, heat pump outdoor units. These are loud when functioning properly. When they get old they often switch to screeching. One time, a unit about 25 feet from my front door went into screech mode. I called the police who determined that they couldn't do anything about it because the owners didn't intend to be making that much noise. I had to wait until the unit finally died to get relief.

Big trucks and buses are a huge noise headache. Motorcycles can be LOUD. Even on the highway it can be a headache to be within 100 feet of one. Electric buses are a huge improvement over older buses.

Public events, concerts, movies are typically far too loud. Fortunately they are easy to avoid or prepare for.

It is my understanding that big power generator windmills are very loud. I have never been near one.

Ticking clocks are make very little sound but it is VERY annoying. I've been kept awake for hours by them. WHY do electric analog clocks tick?

Earplugs are not a good solution. They are uncomfortable and sweaty in a hot environment. Ear muffs also are not a good solution. They are bulky and limit what you can do.


OFFENSIVE SUBJECT ALERT - If you love kids or dogs, it's probably best to stop reading now.

Dogs have the capacity and often desire to bark continuously for hours on end. Why aren't barking marathons part of dog show competitions?

Screaming kids in public places are agonizing. I assume that new parents are gifted with temporary deafness - that's the only explanation that I can think of that - I better stop writing now.




I love good music. To me, some music seems to be alive, that's the good. Most seems to be lifeless, inert, just a random sequence of notes, sound not music. And there is a lot of annoying, offensive, head piercing stuff that I don't want to hear.

Below is a selection of wonderful music. If you haven't heard any of these pieces, you should rectify the situation - YouTube can help.

There is a lot of wonderful music around contra dancing (a hobby of mine). Hopefully including a tune that I just finished writing. I'm not including any of it here.

I have found that people like songs for two fundamentally different reasons. Some like the lyrics and don't really care about the music. I like the music and don't really care about the lyrics. The songs included here of Schubert and Schuman are in German, which I don't understand - doesn't bother me at all. There are a few recordings of Schubert songs in English.

Another interesting issue that I have encountered is that people have an internal clock that is not constant. This is a psychological speed - I am not referring to your heart beat. If you listen to music that is faster than your internal speed, it can have an energizing effect. If the music is slower it is likely to be boring. If you want to understand slow music, you must first slow your internal clock so that the music pulls you along rather than dragging you down.

A melody is a sequence of tones. Why should one sequence of tones be superior to another? I have no idea. But my head tells me, without question, that this is the case. And there are rhythm, chords, keys, performance, timbre, voice. I have no idea how/why all of this comes together to be pleasing. (If you look at the frequency ratios of the notes that make up the seven tones of a Euclidian scale, a, b, c#, d, e, f#, g# for example, you can see why these scales and 1/3/5 chords work well. But this just scrapes the surface of a complete composition.)

I have been trying to write some contra dance tunes recently. I have little background in music theory, but I have listened and played enough music, especially for contra dance, that the basic rules are internalized. If I violate them the tune doesn't sound right.

Given that I have a tune that meets the basic requirements, I have found that with the repetition required in writing the tune, almost any melody will imprint on me, making me enjoy it. This is NOT good. If I like anything I write - how do I know if it's any good? That might explain the incredible array of awful music in the world. Now how can I avoid adding to it?

  Symphony 8 D759
  D760, D845, D958, D959, D960 piano
    Thekla D595
    Litanei auf das Fest Aller Seelen D343
    Der Winterabend D938
    Nachthymne D687
    Standchen D957/4 from Schwanengesang
      (this is a song, despite the many instrumental transcriptions)

  Symphonies 2..9
  Appasionata piano sonata
  Missa Solemnis

  Symphonies 1,3,4
  Widmung op 25/1 (song)

Emmylou Harris
  The Maker
  Me and Willie
  Poncho and Lefty
  Wrecking Ball (the entire album)

  One Way or Another

Fleetwood Mac
  Silver Springs

Patti Smith
  Broken Flag
  Distant Fingers
  Paths that Cross


Good Stuff

Good Stuff

I've written about a lot of the stupidity in the world. It's time to write about some good things. Of course you have to scour the internet to find most of it.

Mono laser printers - if you don't need color, mono laser printers are cheaper, faster, more reliable, and easier than color inkjets.

Number 11 X-Acto blades in a #2 handle - (Long ago) I used to cut up my thumb when using a #11 blade in a #1 handle. Using a #2 handle buries the bottom part of the blade in the handle - no more cuts.

Vionic flip-flops (sandals) - a flip-flop with heel cup to keep your foot centered and arch support!

Size 10-13 socks - I hate having my foot squeezed. The standard sock, size 6-12, drives me nuts. Size 10-13, which are not always easy to find, are a huge improvement (that's for my 9.5 foot).

Trakline belts - if you haven't tried a ratchet belt, try one. They adjust in 1/4 inch increments and they do not imprint on the leather so the belt lasts longer. Trakline makes ratchet belts with stainless steel buckles and high quality leather (make sure that you get a stainless steel model). Excellent.

Dropstop - a cloth covered foam tube that closes the gap between your car's front seats and center console. It keeps things from falling into that unreachable place on the floor outside of the seat rails.

Wristies - a fleece tube with a thumb cutout. They cover your wrist and the back of your hand but not your fingers. Very nice for around the house when it's cold and for playing the violin when it's cold.

DanceSocks fit over your shoe to let you slide, short tube or full shoe cover. They let you use a supportive, cushioned shoe on the dance floor. They work well with most running shoes. If your shoe is too smooth, the tubes will slide off. If a thread comes loose, use a match to melt it down.

Nite Ize S-biner - that's a double carabiner in an S shape. When huge electronic automobile keys became the norm, it always bothered me to have my keys in the bottom of my front pocket. The best solution that I have found - make a small (three inch) loop with a shoestring, attach it to your belt above your pocket, attach the top loop of a small s-biner to it, attach your keychain to the bottom loop of the s-biner. Now the keys hang from your belt, in your pocket, not bunched at the bottom.

12 hour Neosinepherine / Oxymetazoline HCL nasal decongestant - maybe the most effective drug on the market. It lets me breathe effortlessly for about 10 hours. Watch out - overuse can be a problem.

Rolling wheel paper cutters - what an improvement over the guillotine paper cutters. They don't bubble the paper as they cut so the cut is straight. They cut stacks of paper well (maybe 20 pages max). And they don't provoke a fear of cutting off my fingers when I see them. Sadly the Fiskars model that I prefer is no longer made.

L.L. Bean "Lakewashed Five-Pocket Khakis" - cut like jeans but very lightweight cotton. These are great for dancing, much cooler than jeans.

Ebooks apps for smartphones - I used a Kindle ebook reader for a while. Then I tried reading an ebook on my phone. I never used the Kindle again. The phone is light, always with me, and now the screens are big enough to be very useful for books. All of the reader apps that I have tried (Kindle, Nook, Google Play, Kobo) have annoying bugs or are missing features that I would like. Amazon constantly adds new features and new bugs to their Kindle app - I gave up on it a while ago. I am using Google Play Books.

PDair phone belt cases - leather, good fit to specific phones, fixed belt clip (the rotating belt clips always die quickly). They last for more than a year of constant use, for me.

Free42 - a smartphone HP 42S calculator app. The last HP calculators that I owned died of cheapness with very little use. Free42 is excellent and free.

NHT loudspeakers - whenever I heard NHT loudspeakers in other people's home they impressed me as sounding natural. I finally got a pair with subwoofer - very nice. (Now my hearing is so bad, it doesn't really matter what loudspeakers I have.)

Solid state computer "disks" - they are silent and fast!

Silentpc.com - silent PCs - no fan and a solid state disk. What an improvement! Plus you can get one with Linux ready to run.

Wrist cuff blood pressure monitors - these are much easier to use and less annoying that arm cuffs. They are finally showing up in doctors' offices. But they are typically used incorrectly - read the instructions. My Omron doesn't start up until it is at heart level - how does it know?

Memory foam mattresses - I love them, but I don't like memory foam pillows.

I am so glad that LED lights have replaced fluorescent lights. I hated the spiral bulbs and the slow turn on of compact fluorescents and the buzzing of big fluorescent drivers.

Geared violin pegs (I prefer Wittner) - they don't slip due to temperature changes.

Zarelon synthetic violin bow hair - IT DOES NOT BREAK!

High capacity batteries for cordless electric dremel tool, vacuum cleaner, screw driver. What a treat, no cord to plug in, no cord to get in the way, no cord to put away. And a recharging station so you know exactly where the thing is when you need it.


Original Glide dental floss - the current Glide breaks constantly.

Various running shoes, but the designs only last for a year and are replaced, often with an unrelated and inferior design concept. And virtually all running shoes are UGLY.

Casio F-28W - an inexpensive wristwatch with recessed buttons. I could take off the band and carry it in my pocket. The recessed button weren't automatically pressed when I sat down. Why doesn't someone make a small pocket watch?

Classic IBM / Lexmark keyboards - superb buckle spring keys. Mine would have lasted for my entire life but the keyboard to computer link kept changing.

Honda CRX - what a great car, but too small to be safe in today's world of trucks and SUVs.