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Re: TIPS and the Equity Bear

Doc, I apologize for my post getting off track from your OP and I didn't intend for it to refute your basic point about TIPS and their behavior during the only equity crisis they've yet been around for. My recollection of this yet singular buying opportunity didn't contribute anything to the thread ...
by Angst
Wed Apr 16, 2014 6:51 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and the Equity Bear
Replies: 20
Views: 1473

Re: TIPS and the Equity Bear

Doc, November 28, 2008 is a poor choice for the earlier date of your comparison. On 12/1/2008 (the next business day!) the Treasury changed the methodology for determining the constant maturity yields. Starting 12/01/2008, the TIPS yield curve will use on-the-run TIPS as knot points rather than all...
by Angst
Wed Apr 16, 2014 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS and the Equity Bear
Replies: 20
Views: 1473

Re: Speculation on I Bond fixed rate for May 1st

Split the difference and buy half now and half in May. I predict no change. +1 I think this is clearly more "symmetric" than buying all of them now. :) I find it hard to imagine the fixed rate being lowered. It seemed hard to explain when it showed up last November, but if it was justifie...
by Angst
Mon Apr 14, 2014 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Speculation on I Bond fixed rate for May 1st
Replies: 17
Views: 2047

Re: Among Heroes and Villains

Nice essay Rick, with an appropriate title. Thank you for your service and for keeping your nose up when it mattered most so you could be here today to continue serving in your own way. You also made me think back to the late 70's when I first encountered Malkiel's "Random Walk" and Heilbr...
by Angst
Tue Apr 08, 2014 9:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Among Heroes and Villains
Replies: 10
Views: 1085

Re: Stay the course.

When I see it go down, I think 3 things Aw man, I lost money Well it's bound to come back up eventually, I'll wait Hey look, it's on sale If you stand too close, it all looks like a roller-coaster. You need to find that distance and stand back far enough such that it's pretty much just a rolling in...
by Angst
Mon Apr 07, 2014 7:48 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2069

Re: Market falling emotions

Angelus359 wrote:How does the market falling make you feel on an emotional level?

I'm not emotionally invested in the market. I feel nothing, except maybe some occasional amusement.
by Angst
Mon Apr 07, 2014 7:33 pm
 
Forum: Investing - Theory, News & General
Topic: Market falling emotions
Replies: 31
Views: 2069

Re: Should I see Frozen?

The music/song production reminded me of moulin rouge.
by Angst
Sun Apr 06, 2014 10:57 am
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1700

Re: Bernstein on TIPS ladder vs TIPS fund

Why buy a TIPS fund and pay 0.2% ER (or more) when one can purchase TIPS at auction with no load and no expense? Vanguard's Admiral TIPS fund charges 0.1%, which equates to all of $50/year on a $50,000 investment. Convenience, the ability to remain fully invested, and the ability to sell any amount...
by Angst
Sat Mar 29, 2014 7:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bernstein on TIPS ladder vs TIPS fund
Replies: 25
Views: 2129

Re: Frugal Fatigue

Obviously that' example is downright silly, but still, ugh. I still eat ramen and Mac n cheese to keep my grocery bill down. In the long run eating reasonably healthy is one of the best long term investments you can make. There is a very affordable middle ground between eating boxed mac 'n cheese a...
by Angst
Sat Mar 29, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Frugal Fatigue
Replies: 96
Views: 9663

Re: How much water do you drink every day?

I hardly drink a glass of anything over the course of a day, save for maybe a beer or two, or a bit of wine. I have little thirst, although I do eat quite a few vegetables and fruit. I think that's where my water must come from. Oh wait! I forgot about coffee. That accounts for maybe 12 oz every mor...
by Angst
Thu Mar 27, 2014 9:33 pm
 
Forum: Personal Consumer Issues
Topic: How much water do you drink every day?
Replies: 70
Views: 2836

Re: TIPS yield stairstep increase

grok87 wrote:remember there is unlikely to be a free lunch in the actively traded liquid treasuries market. now penfed cds, that's a free lunch

Yum, penfed cds... Alas, that tasty dish is no longer on the menu.
But do let us know if something else like it shows up anytime soon!
by Angst
Fri Mar 21, 2014 7:31 am
 
Forum: Investing - Theory, News & General
Topic: TIPS yield stairstep increase
Replies: 13
Views: 1521

Re: HSA - Fee avoidance or Optimize investing?

Elfcu supposedly allows one to have their HSA cake and eat it too. Does anyone here have experience with them? I'm considering transferring there but would like to hear some success stories first. Here's an outside thread that seems to show they're for real: http://thefinancebuff.com/best-hsa-provi...
by Angst
Wed Mar 19, 2014 11:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Fee avoidance or Optimize investing?
Replies: 10
Views: 880

Re: Best smartphone in 2014?

chipmonk, so this would exclude using it on Kitty/Pageplus ? I really want to upgrade my dinosaur flip phone and get a smart phone (although limiting data to wi-fi) and was hoping last fall that the then yet-to-be released Nexus 5 would work. I've been too busy to look since then so I'm disappointe...
by Angst
Wed Mar 19, 2014 10:42 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2228

Re: Best smartphone in 2014?

I now have a Nexus 5, which came out last November. It seems pretty swift, no problems worth mentioning yet, though it's a bit slim and doesn't have quite the battery life I would prefer. Another 0.1" of thickness could have allowed double the battery, I'm guessing. I agree about the Nexus 5. ...
by Angst
Wed Mar 19, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2228

Re: Is Vanguard's portfolio watch tool broken?

Have you considered contacting Vanguard to discuss? abuss, I know this wasn't in response to my post, but I too have contacted Vanguard regarding various portfolio tool shortcomings before. I have contacted them multiple times, over the years! About the same problems. They're always "looking i...
by Angst
Wed Mar 19, 2014 4:41 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1857

Re: Sibling is a Financial Adviser, ask investing advice?

Without speaking about any dollar amounts at all, you can still discuss percentages. Perhaps this is one way you can talk about your investments without revealing who has what amount of money invested in what. And you might find it fun too. You now have something new in common to talk about, and who...
by Angst
Wed Mar 19, 2014 1:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Sibling is a Financial Adviser, ask investing advice?
Replies: 30
Views: 1978

Re: Need Advice: 457b Plan - What Funds look good to you?

Bythelake, I read your responses but I still would say that the only equity choice I would invest in with your situation would be the Index 500. For other equity exposure (Int'l, small cap, etc.) I also would still use the HSA. You might want to research this further. Many people here use their HSA ...
by Angst
Wed Mar 19, 2014 1:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice: 457b Plan - What Funds look good to you?
Replies: 22
Views: 733

Re: HSA - Fee avoidance or Optimize investing?

Elfcu supposedly allows one to have their HSA cake and eat it too. Does anyone here have experience with them? I'm considering transferring there but would like to hear some success stories first. Here's an outside thread that seems to show they're for real: http://thefinancebuff.com/best-hsa-provid...
by Angst
Tue Mar 18, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA - Fee avoidance or Optimize investing?
Replies: 10
Views: 880

Re: 401K Investment Options

I would be offended too. I would wish there were a tactful way to explain to my new employer that I might have rejected them as a potential employer had I known what investment choices their 401k offered. Such extremely poor investment choices have to be a reflection, to some degree at least, of com...
by Angst
Tue Mar 18, 2014 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Investment Options
Replies: 10
Views: 531

Re: Don’t Bother With That High Cost 401(k)

It's important that people with such poor investment options in their 401(k) accounts be aware of the consequences. Great article, if a little depressing. I would suggest however that one of the most important lessons that needs to be communicated is that people need to "bother" with their...
by Angst
Tue Mar 18, 2014 12:08 pm
 
Forum: Investing - Theory, News & General
Topic: Don’t Bother With That High Cost 401(k)
Replies: 28
Views: 2974

Re: Need Advice: 457b Plan - What Funds look good to you?

I would probably approach it this way: 1) Put all your 457b money into the Fidelity Spartan 500 Index Fund FUSEX .10% 2) Address other asset classes through your HSA, taxable accounts, and if possible TIRA/Roth, covering US small/value, international equity, fixed income and perhaps REITs. 3) See th...
by Angst
Tue Mar 18, 2014 11:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Need Advice: 457b Plan - What Funds look good to you?
Replies: 22
Views: 733

Re: Is Vanguard's portfolio watch tool broken?

No valid excuse IMO, just poorly written software. Why should it matter what firm holds the funds? The OP is even having problems in portfolio watch with Vanguard funds. It always has been buggy. Used to classify Vanguard Precious Metals and Mining funds as 100% domestic, just wrong. +1 I used to r...
by Angst
Mon Mar 17, 2014 6:19 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard's portfolio watch tool broken?
Replies: 23
Views: 1857

Re: TIPS ladder, how to fill in the gap years?

A real yield of 1.55 may be "not bad" as Grok suggests but it is significantly below the historic range. But if your "main thing" is to create a retirement liability matching portfolio without using an annuity that low rate is the price you have to pay. Grok want a 30 year match...
by Angst
Tue Mar 11, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS ladder, how to fill in the gap years?
Replies: 20
Views: 1188

Re: PBS Program on Roth IRA - Ed Slott

I did the math, which shows that the only factor that makes a difference in terms of a Roth or a Traditional IRA is the difference in tax rate when investing and withdrawing your money. A higher tax bracket at withdrawal makes the Roth more advantageous while the opposite is true for a lower tax br...
by Angst
Mon Mar 10, 2014 4:35 pm
 
Forum: Investing - Theory, News & General
Topic: PBS Program on Roth IRA - Ed Slott
Replies: 11
Views: 2240

Re: Need Help with MiL's Investment/Life Choices

I don't think you have enough information. I would leverage her desire for help with investing the $1,000 by insisting on more information up front, including identifying where her income is going and setting up a budget for her. Otherwise it seems somewhat pointless. She lives rent free, surely she...
by Angst
Mon Mar 10, 2014 12:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Help with MiL's Investment/Life Choices
Replies: 57
Views: 3051

Re: I Bonds - buy now or wait for May?

Well, people are usually comparing current inflation payments vs. the next (May) reset, but since last fall we now also have the fixed component to speculate upon. People seemed generally surprised that there was any fixed component at all, so the .20% was something of a gift. Will the treasury keep...
by Angst
Mon Mar 10, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - buy now or wait for May?
Replies: 25
Views: 4429

Re: % of annual income saved compared to final portfolio goa

I think you could avoid or at least reduce some of the head scratching by rewording the subject heading: "% of final portfolio goal saved annually" or maybe, "annual savings as a % of final portfolio goal" I come in at about 2.5%, but my "goal" is merely a vague notion....
by Angst
Mon Mar 10, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: % of annual income saved compared to final portfolio goal
Replies: 33
Views: 2642

Re: Mouse/Rat traps

Hi, If you believe in cruelty to animals, even a mouse, use the glue traps.When you see one of the little creatures with it's head and paws and body stuck to the trap struggling to get free you'll be thrilled.Otherwise don't use them. M. So true, but if you're of the opposite persuasion and come ac...
by Angst
Sun Mar 09, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Mouse/Rat traps
Replies: 29
Views: 1767

Re: Larry Swedroe Presentation on Passive Investing

Hello Everyone: Here's a powerful presentation by Boglehead author, Larry Swedroe on passive investing. It's about an hour long, but definitely time well spent. Enjoy! http://www.hillinvestmentgroup.com/2014/03/07/larry-swedroe-and-matt-hall/ Every now and then - pretty frequently actually - you se...
by Angst
Sun Mar 09, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Larry Swedroe Presentation on Passive Investing
Replies: 13
Views: 2323

Re: TIPS ladder, how to fill in the gap years?

I agree with Steve. I was just using the long bonds as an example to the fill the gaps question. I'm currently going all the way out to five years. While TIPS can give you a roll your own annuity I think a better reason to use them is to lock in attractive long term rates without taking on credit o...
by Angst
Sun Mar 09, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS ladder, how to fill in the gap years?
Replies: 20
Views: 1188

Re: Schwarzman Loves Dividends!

It is, as Gr8t2bOutdoors put it, a tricky wicket . I burst out laughing. The 'correct' English expression is 'a sticky wicket' and it comes from cricket. Somehow in the transatlantic translation game, this has become 'a t ricky wicket'. ;-). I never stop smiling here, because when UKians have an id...
by Angst
Sat Mar 08, 2014 10:07 am
 
Forum: Investing - Theory, News & General
Topic: Schwarzman Loves Dividends!
Replies: 34
Views: 2108

Re: IJS bid/ask

Why is the spread sooooo big I feel so dirty adding money to this bi weekly,, Time of post bid 109.61 ask is 116.42 Would be best to steer clear? The "time of post" I see for you is 6pm. The market is closed and the spread is essentially meaningless at this time. Look again tomorrow day w...
by Angst
Fri Mar 07, 2014 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: IJS bid/ask
Replies: 4
Views: 244

Re: Utah 529 Advice

I'm not saying this is the best approach, but I don't look at my 529 plan (Utah) in isolation. I consider it basically as a part of my entire portfolio. I value the access I gain to DFA small and large cap value funds through it and so those are the only funds I actually invest in with my 529. (I ha...
by Angst
Fri Mar 07, 2014 4:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Utah 529 Advice
Replies: 10
Views: 526

Re: Can you identify the view in this painting?

I immediately thought of Lake Louise in Banff. It's a similar perspective that I'm reminded of, but I really don't know. Many Glacier looks like a good possibility. Have you tried Google Images?
by Angst
Tue Mar 04, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Can you identify the view in this painting?
Replies: 8
Views: 1347

Re: Best way to safely increase expected returns

what are my options to increase the odds as safely as possible? ⋅ Save/Invest more ⋅ Work past age 60 ⋅ Invest differently (how?) ⋅  ... anything else?? Ignoring (a) and (b) above for obvious reasons and assuming the portfolio is already heavily weighted in s...
by Angst
Tue Mar 04, 2014 8:10 am
 
Forum: Investing - Theory, News & General
Topic: Best way to safely increase expected returns
Replies: 28
Views: 2131

Re: Bogleheads.org Home Page Updated

Wrap all contents in a <div> and in CSS set "margin: 0px auto;". Mission accomplished. Or users of Firefox could add this snippet to their userContent.css file to do that. @-moz-document domain(bogleheads.org) { #container {margin: 0px auto;} } Installation instructions: http://ffeathers....
by Angst
Mon Mar 03, 2014 3:57 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9056

Re: Timing Russian stocks right now

maybe some of the posts at this current thread will interest you:
viewtopic.php?f=1&t=134270
by Angst
Mon Mar 03, 2014 1:46 pm
 
Forum: Investing - Theory, News & General
Topic: Timing Russian stocks right now
Replies: 22
Views: 1305

Re: Bogleheads.org Home Page Updated

Layout thoughts... For those that run at a higher-res the home page has always been shoved to the left. However this is more extreme. Pulling up the old site in the wayback machine and comparing I notice that the new layout is, aside from the header, roughly an inch skinnier (will differ on differe...
by Angst
Mon Mar 03, 2014 12:50 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 9056

Re: Discover Card - one or two FICO scores on joint account?

FICO is a registered trademark of Fair Isaac, so it isn't legal to call a score a FICO score unless it is an official FICO formula. However, there are many versions of the FICO score (multiple revisions, different scoring for credit cards, auto loans, and mortgages), so your score may not be the sa...
by Angst
Thu Feb 27, 2014 11:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discover Card - one or two FICO scores on joint account?
Replies: 17
Views: 1159

Re: VIOV ... or VBR? Decisions, Decisions

What are the chances that the relative difficulty of trading VIOV vs IJS will change over time? It seems like the total assets in VIOV have been going up very slowly. Currently they're only about $50 million. Now that VIOV exists, why wouldn't market makers and big investors be just as happy to hol...
by Angst
Thu Feb 27, 2014 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOV ... or VBR? Decisions, Decisions
Replies: 33
Views: 2353

Re: Discover Card - one or two FICO scores on joint account?

sscritic, thank you for getting me to focus on what was right under my nose. doh! so, Transunion is the real mccoy. gee... i wish i could get something for this score. like a free breakfast at denny's? maybe a blue ribbon? should i go buy another house? dang...
by Angst
Thu Feb 27, 2014 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discover Card - one or two FICO scores on joint account?
Replies: 17
Views: 1159

Re: Discover Card - one or two FICO scores on joint account?

i guess i'm with sscritic on this one, not like "most" people... well anyhow, i just discovered the fico info on my current discovercard statement and was dumbfounded. is discover's version of fico real? i.e., is it comparable to the big fico companies? http://i58.tinypic.com/fdhj0g.png
by Angst
Thu Feb 27, 2014 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Discover Card - one or two FICO scores on joint account?
Replies: 17
Views: 1159

Re: VIOV ... or VBR? Decisions, Decisions

As a proud owner of VIOV, I respectfully disagree with the above assertion . I have had a number of experiences during which bids / offered were made within the spread and orders (usually over 100 shares) went unfilled for hours or trades went without completion. Forget about trading 300 or more sh...
by Angst
Wed Feb 26, 2014 7:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: VIOV ... or VBR? Decisions, Decisions
Replies: 33
Views: 2353

Re: Thoughts on new I shares conservative ETF

symbol 2MUCH
to me it's overly complicated for what you get.
the equity could easily be simplified as such:

use VTI instead of:
S&P 500. 15.34
SP MID CAP 2.44
SP SMALL CAP 1.23

and use VXUS instead of:
MSCI EAFE 11.45
MSCI EMERGING MKT 0.90

the bonds probably can be simplified as well.
by Angst
Tue Feb 25, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on new I shares conservative ETF
Replies: 10
Views: 674

Re: Betterment portfolio optimization

I like Betterment. I don't use them myself but they have been one of the good guys in this industry so far. I guess it's always more fun to find something to nit-pick about, though. Overall, Betterment looks fairly reasonable for someone who doesn't have a lot of confidence in their ability to mana...
by Angst
Tue Feb 25, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment portfolio optimization
Replies: 65
Views: 4167

Re: Poll: Which of these abbreviations do you understand?

If IDSFA, how come I'm able to use it appropriately in a sentence?
by Angst
Sat Feb 22, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Poll: Which of these abbreviations do you understand?
Replies: 66
Views: 2173

Re: the RTM phenonomen, explaining it and its implications

Larry, I enjoyed your article - I thought it was a well-written precautionary tale, and I look forward to the next installment. I especially appreciated it in light of some of the recent discussions regarding mean reversion that were fairly spirited. See: http://www.bogleheads.org/forum/viewtopic.ph...
by Angst
Thu Feb 20, 2014 12:09 am
 
Forum: Investing - Theory, News & General
Topic: the RTM phenonomen, explaining it and its implications
Replies: 40
Views: 3033

Re: 30 yr TIPs auction announced 2/13- any takers?

Well, that still makes me the pessimist. I'll predict 1.48%
by Angst
Wed Feb 19, 2014 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7505
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