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by Tom_T
Thu May 21, 2015 10:33 am
Forum: Investing - Theory, News & General
Topic: Not your father's Total Bond Market Fund anymore
Replies: 83
Views: 8225

Re: Not your father's Total Bond Market Fund anymore

How is it relevant to compare TBM to Intermediate Term?
by Tom_T
Fri May 15, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: My thoughts on Forbes article Active vs Passive which is better?
Replies: 13
Views: 1595

Re: My thoughts on Forbes article Active vs Passive which is better?

Larry, have you seen this article? It is currently being referenced on another site as "proof" of the benefits of active management.

https://www.invesco.com/static/us/inves ... f1bf0aRCRD
by Tom_T
Wed May 13, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Bond Fund Options
Replies: 2
Views: 239

Re: Bond Fund Options

Didn't you just ask this question yesterday? It looked familiar. Were you looking for additional opinions?

http://www.bogleheads.org/forum/viewtop ... 1&t=165623
by Tom_T
Tue May 12, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: Gold vs offshore custodianship of stocks, bonds
Replies: 36
Views: 1391

Re: Gold vs offshore custodianship of stocks, bonds

If the U.S. crashes and burns, what happens to the other economies in the world? Nothing good, I'd wager. I don't think you'd find a safe haven anywhere.
by Tom_T
Tue May 12, 2015 11:37 am
Forum: Personal Consumer Issues
Topic: Bought a brand new house - what next?
Replies: 17
Views: 2071

Re: Bought a brand new house - what next?

If you have natural gas: turn something on that uses gas, then go to the gas meter and make sure there's no odor. When I bought my first house, they didn't tighten everything very well, and I could smell gas around the meter. +1 on the water shutoff valve location. I don't know if you have new appli...
by Tom_T
Tue May 12, 2015 10:21 am
Forum: Personal Consumer Issues
Topic: Having a website
Replies: 18
Views: 1635

Re: Having a website

This site has a good roundup of the various options for creating a site.

http://www.sitebuilderspot.com/
by Tom_T
Mon May 11, 2015 3:15 pm
Forum: Investing - Help with Personal Investments
Topic: Changing 529 plans
Replies: 3
Views: 298

Re: Changing 529 plans

The Wiki has some good information on this topic.

http://www.bogleheads.org/wiki/529_plan ... _transfers
by Tom_T
Thu Apr 30, 2015 2:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

Does anyone else think this thread has run its course and should be locked? What is the point of its continued existence? To make sure that we all know whenever the market has dropped -1.1%? As long as we have this thread, we might as well just build a stock ticker onto the main page of the website...
by Tom_T
Thu Apr 30, 2015 11:44 am
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9210

Re: Do REITs really offer effective portfolio diversificatio

VNQ is down over 1 percent today, I presume because the bond market has sold off somewhat and VNQ seems to be tied to the direction of interest rates. Not very bond-like! And given that the yield on VNQ is 3.5%, we're not talking about earning 8% and living with volatility.
by Tom_T
Fri Apr 24, 2015 7:21 am
Forum: Investing - Help with Personal Investments
Topic: 529 exchanges: 2x per year
Replies: 0
Views: 181

529 exchanges: 2x per year

If anyone missed this: in 2015, you are able to make fund exchanges in a 529 plan twice a year instead of once. This was in a bill signed by the President late last year. I didn't even realize it until I logged on to my 529 site today -- something I rarely do -- and saw a message about 2x per year. ...
by Tom_T
Thu Apr 16, 2015 2:21 pm
Forum: Investing - Theory, News & General
Topic: Do REITs really offer effective portfolio diversification?
Replies: 108
Views: 9210

Re: Do REITs really offer effective portfolio diversificatio

This is what I see visually when I compare VNQ to VTI over 10 years. When VTI was getting walloped in 2008, VNQ was getting even more walloped (a 66% drop from the start of the crash in Sept 2008 until the low in March 2009). You can call it a distinct asset class, but it does not provide the safet...
by Tom_T
Wed Apr 15, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: [retired guy said] terrible crash is coming
Replies: 71
Views: 8629

Re: Dr. Ron Paul politician says terrible crash is coming

riptide wrote:Dr. Ron Paul , politician for many years, and was a possible presidential candidate says a crash is coming similar to 2008 or worse. Anybody know anything about this ??

He said that last July. It is old news.
by Tom_T
Wed Apr 15, 2015 7:47 am
Forum: Personal Consumer Issues
Topic: Safari Not Work on iPad
Replies: 12
Views: 1322

Re: Safari Not Work on iPad

Apple products "just work". Except when they don't. ;)
by Tom_T
Mon Apr 13, 2015 10:23 am
Forum: Personal Consumer Issues
Topic: Is 2007 Accord 60K mile service worth $300?
Replies: 54
Views: 4643

Re: Is 2007 Accord 60K mile service worth $300?

As a long time Honda owner, my experience is that their "maintenance minder" services are very profitable for them, and expensive for you. Honda gives you a long list of things they're going to do, but when you look a little closer, you'll soon see that you're paying $300 for them to chang...
by Tom_T
Wed Apr 08, 2015 12:33 pm
Forum: Investing - Theory, News & General
Topic: "The Real Point of Active Investing"
Replies: 10
Views: 1683

Re: "The Real Point of Active Investing"

Wow. Where to start? I think this is what the author is saying: - The point of active investing is to avoid losing money, because Buffett's first rule is "don't lose money". - You have a better chance of achieving this goal by being an active investor and getting "better" at it. ...
by Tom_T
Wed Apr 01, 2015 11:51 am
Forum: Investing - Theory, News & General
Topic: Should a true BH visit this forum regularly?
Replies: 32
Views: 3198

Re: Should a true BH visit this forum regularly?

There is so much to learn here that I never get tired of visiting the site. One, it's often helpful to get a reminder to not do anything rash when the market is gyrating. Two, there is always helpful information on miscellaneous topics, be it financial or otherwise. We have a lot of very smart, well...
by Tom_T
Mon Mar 30, 2015 2:00 pm
Forum: Investing - Theory, News & General
Topic: Negative Yields Hit US Treasury Markets
Replies: 17
Views: 2867

Re: Negative Yields Hit US Treasury Markets

This reminds me of the Y2K problem. A lot of programmers spent a lot of time fixing programs and databases to accept a four-digit year. As a programmer, I am not the least bit surprised that there are applications which do not accept a negative value for interest rate. Who ever heard of negative rat...
by Tom_T
Mon Mar 30, 2015 12:03 pm
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 52
Views: 7164

Re: Bernanke's Blog: why are interest rates so low?

I'm surprised. I was expecting typical economic mumbo-jumbo, but Bernanke actually wrote a very clear and understandable explanation that I, a non-economist, could grasp. He might have a future in writing now that he no longer has to use Fed-speak. :)
by Tom_T
Wed Mar 18, 2015 2:19 pm
Forum: Investing - Theory, News & General
Topic: Dollar falls after Fed policy statement released
Replies: 10
Views: 1225

Re: Dollar falls after Fed policy statement released

Is it possible to buy an US Total Stock ETF in the morning (when the market was down) and sell it after the market went up on same day? I dont deal with ETFs and hence was curious. Dow went from 170 down to 130 up at that instance. Sure. An ETF trades like a stock. You can buy and sell at any time....
by Tom_T
Tue Mar 10, 2015 10:17 am
Forum: Investing - Help with Personal Investments
Topic: Convince me to buy international funds
Replies: 34
Views: 2748

Re: Convince me to buy international funds

My hope was to apply intellect, hence the open, objective and honest post, to which I have thanked many people for their opinions. But I guess that doesn't fall in that category. I was simply trying to utilize the oldest international mutual fund I could find, but please, provide an older one. That...
by Tom_T
Fri Feb 27, 2015 9:58 am
Forum: Personal Finance (Not Investing)
Topic: Cost of medication - Costco versus Walgreens
Replies: 13
Views: 1178

Re: Cost of medication - Costco versus Walgreens

AviN wrote:At goodrx.com, you can compare discounted drug prices at multiple nearby pharmacies. For generics, the differences can be huge.

Avi

I'll attest to that. We used that site to price a tube of a particular cream. Rite-Aid: $167. Costco: $35.
by Tom_T
Fri Jan 09, 2015 12:24 pm
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 3175

Re: Emergency Road Service..........

I've used AAA in the past, but they are so expensive in my area (two drivers = $177 for Plus) that I dropped them. I have a roadside assistance plan through my Honda extended warranty, but I haven't had any need to call them as yet, so I can't comment on the service. Once the warranty expires, then ...
by Tom_T
Tue Jan 06, 2015 12:07 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

A Bear Market in Stocks Just Became More Likely Bad news, investors: The Dow Industrials’ 300-plus-point drop Monday markedly increases the likelihood that the bull market has neared its end — if it hasn’t already. That’s because the stock market’s performance in the first two trading days of Janua...
by Tom_T
Tue Jan 06, 2015 10:04 am
Forum: Investing - Theory, News & General
Topic: 1.98% vs. 1.78%
Replies: 14
Views: 1047

Re: 1.98% vs. 1.78%

I woke up this morning clicked on CNBC (yes, I am expecting some rants about noise) to discover the 10 year bond is at 1.98%. Then I remembered the yield on the S&P is 1.78%. So I can either be paid 1.98% while I wait for bond rates to eventually rise or 1.78% while I wait for stock prices to r...
by Tom_T
Tue Jan 06, 2015 9:52 am
Forum: Investing - Theory, News & General
Topic: 1.98% vs. 1.78%
Replies: 14
Views: 1047

Re: 1.98% vs. 1.78%

I woke up this morning clicked on CNBC (yes, I am expecting some rants about noise) to discover the 10 year bond is at 1.98%. Then I remembered the yield on the S&P is 1.78%. So I can either be paid 1.98% while I wait for bond rates to eventually rise or 1.78% while I wait for stock prices to r...
by Tom_T
Mon Jan 05, 2015 4:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

For those of us who missed the train when it pulled out the station after this thread was started, we can only hope this is the beginning of a freefall back to the future. I've got my cash reserves waiting (if I can remember where I put them). :D Last month, the Dow dropped 900 points in two weeks,...
by Tom_T
Mon Jan 05, 2015 2:15 pm
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4275

Re: Is "stay the course" a commandment or a suggestion?

My perception of Mr. Bogle's advice is that the average investor is far better off with their investments on autopilot. The human tendency is to make knee-jerk reactions to current events and to have a short-term view; those are generally bad qualities for investors.
by Tom_T
Mon Jan 05, 2015 1:48 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

The way it should work is that you have a financial goal, which drives your asset allocation decision. You invest based on your AA. If you're not comfortable doing that right now, then maybe your AA is wrong, and you should reassess and reset as necessary. Once you've settled on that, then the data...
by Tom_T
Mon Jan 05, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

Bump and my first ever post in this thread due to today's (at least) 1.5% fall. Slightly OT: I began my investment journey in 2008 and I have been pretty optimistic about both US and International markets all this time, until now. I just have this gut feeling that there is at least 15-20% correctio...
by Tom_T
Mon Jan 05, 2015 10:54 am
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 5217

Re: Was it a mistake to move into PenFed 5-year CDs a year a

Also, PenFed allows you to redeem those CDs early, with a penalty of one year's interest. That can be a valuable option if rates go up, even with the penalty.

I like to have a mix in my fixed allocation. It doesn't have to be all bond funds, nor all CDs.
by Tom_T
Wed Dec 31, 2014 1:43 pm
Forum: Investing - Theory, News & General
Topic: A Fund That Trounces the S&P 500
Replies: 6
Views: 2059

Re: A Fund That Trounces the S&P 500

It's actually a very good article. The author purposely put up a deceptive graph (total return vs. NAV-only) to demonstrate the kind of misleading comparisons we get from the industry that is trying to peddle their funds and services.
by Tom_T
Wed Dec 31, 2014 11:15 am
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4576

Re: Games

If you both have smartphones, try Trivia Crack. It's not something you play together at the same time -- it's a take-turns kind of thing. i.e. You answer some questions, and when you get one wrong, it's the other person's turn, but they simply get notified on their phone, so they can respond immedia...
by Tom_T
Tue Dec 30, 2014 1:28 pm
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4273

Re: Index funds suffer greater losses in a market decline?

There is quite the debate going on in the comments section of that article. Let's just say that nobody is changing the other side's mind.
by Tom_T
Tue Dec 30, 2014 12:04 pm
Forum: Investing - Theory, News & General
Topic: How do Stock prices alter the Bond Market?
Replies: 9
Views: 1044

Re: How do Stock prices alter the Bond Market?

Rob Bertram wrote:Remember that "the market" already prices events that are expected to happen.

The market is often wrong -- and changes its mind frequently. ;)
by Tom_T
Tue Dec 30, 2014 10:55 am
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5409

Re: Protecting your Windows system from malware

Impromptu wrote:Windows Defender comes with Windows 8. It works beautifully.

Windows Defender is below-average in all respects. There is no way I would rely on it as my sole protection against malware. Keep in mind that your machine can get infected and you'll never know it.
by Tom_T
Wed Dec 17, 2014 10:27 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1279
Views: 249426

Re: U.S. stocks in freefall

How come we didn't have a thread this year called "Interest rates in freefall"? :)
by Tom_T
Tue Dec 16, 2014 1:28 pm
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 49
Views: 3421

Re: Any negative outlooks on healthcare industry's future

baw703916 wrote:Mr. Market knows all that information.

Mr. Market does not know what is going to happen. All it knows is what has happened and what it thinks might happen.
by Tom_T
Mon Dec 01, 2014 3:25 pm
Forum: Investing - Theory, News & General
Topic: Penfed December cd rates released - Down
Replies: 6
Views: 1338

Re: Penfed December cd rates released - Down

Glad I took advantage a year ago. And here I thought that a year's time would bring us higher interest rates. ;)
by Tom_T
Mon Dec 01, 2014 10:57 am
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4761

Re: Best CD rates ...

JDDS wrote:December PenFed rates are out and it is indeed not pretty.

Ugh. 1.2% for a five-year CD? No, thanks.
by Tom_T
Mon Dec 01, 2014 10:22 am
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation - TBM or Slice and Dice
Replies: 2
Views: 336

Re: Bond Allocation - TBM or Slice and Dice

That topic gets discussed a lot around here! :) Here is a recent thread about "bond diversification" that I think will help.

viewtopic.php?f=10&t=151182&p=2268531&hilit=tbm#p2268531
by Tom_T
Mon Dec 01, 2014 9:58 am
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4761

Re: Best CD rates ...

Keep in mind that rates have dropped a lot since last year. The 10-year Treasury was at 2.8% one year ago. Today it is trading under 2.2%. So I'm not expecting anything from Penfed that is as attractive as last year's offering.
by Tom_T
Mon Dec 01, 2014 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4761

Re: Best CD rates ...

A year ago, Penfed had a "sale" on CDs, with attractive rates. We'll see if they do it again.
by Tom_T
Mon Nov 17, 2014 11:59 am
Forum: Investing - Help with Personal Investments
Topic: Small Cap and Extended Mkt
Replies: 1
Views: 270

Small Cap and Extended Mkt

I am one of those people who has had to juggle allocations across my 401K and my IRA because of poor choices in the former. My 401K has Fidelity Spartan 500 and a decent bond fund; my IRA complements that with Extended Market, more bonds, and international. I try to have a 75/25 split between 500 an...
by Tom_T
Tue Nov 11, 2014 10:43 am
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 5645

Re: astonishing performance of US markets vs others

I find some of these gut reactions confusing. The lack of correlation and rebalancing into funds that are not doing as well makes me feel better about having a strong international exposure. If they worked in lockstep all the time, I wouldn't find international nearly as attractive and would cringe...
by Tom_T
Tue Oct 28, 2014 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5218

Re: Should I buy more REITs?

The OP made a bet on REITs this year that has worked out well, but that doesn't mean he should add more. Last year, the Vanguard REIT fund's total return was 2.4%, vs. 33% for Total Stock Market. Anyone who overweighted REITs last year cost himself a lot of money vs. just owning Total Stock Market. ...
by Tom_T
Mon Oct 27, 2014 2:38 pm
Forum: Investing - Theory, News & General
Topic: Can someone explain the myRA and its rules?
Replies: 4
Views: 1121

Re: Can someone explain the myRA and its rules?

They originally announced that the plan would be available beginning late 2014. Treasury Direct has a page on myRA, but there's nothing about signing up just yet. So it doesn't seem to be available right now.

http://www.treasurydirect.gov/readysave ... vegrow.htm
by Tom_T
Thu Oct 23, 2014 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Close roth for tax deduction and open new one in same yr?
Replies: 11
Views: 981

Re: Close roth for tax deduction and open new one in same yr

There are some circumstances when you can get a tax deduction for closing out a Roth IRA. You can search for the details. But... 1. It can only be claimed as a miscellaneous itemized deduction, with the usual limitation that the total of those deductions must exceed 2% of AGI. It's not something you...
by Tom_T
Wed Oct 22, 2014 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 4190

Re: Debit Card was hacked. Should I just use cash from now

I use TD Bank, and although they routinely issue debit cards, they did tell me that I could have a vanilla ATM card if I wanted.
by Tom_T
Wed Oct 22, 2014 2:05 pm
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2825

Re: Active bond funds better than indexes? Pimco thinks so

The article is about bonds funds. Check the end of the article -- they decided to make their case for active stock management as well ! Finally, should we just restrict our use of active managers to bonds given the evidence Bogle, Malkiel and many others present? Not so fast … In “Can Mutual Fund ‘...

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