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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
Mon Nov 17, 2014 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Small Cap and Extended Mkt
Replies: 1
Views: 249

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 Nov 11, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: astonishing performance of US markets vs others
Replies: 50
Views: 4959

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
Tue Oct 28, 2014 1:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I buy more REITs?
Replies: 45
Views: 5056

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
Mon Oct 27, 2014 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Can someone explain the myRA and its rules?
Replies: 4
Views: 978

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
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: 820

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 3:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Debit Card was hacked. Should I just use cash from now on?
Replies: 56
Views: 3911

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 ‘...
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: 2538

Re: Health care tilt

If a 17% return was guaranteed, or even had a high probability of reoccurring, wouldn't the market bid up the price of the fund?
by Tom_T
Tue Oct 21, 2014 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: Health care tilt
Replies: 77
Views: 4018

Re: Shoes for Plantar Fasciitis?

FYI, the replacement "flip flop" brand that my wife switched to is Oofos. Very cushiony with excellent arch support. Wearing these around the house instead of going barefoot has really helped.
by Tom_T
Tue Oct 21, 2014 5:30 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2430

Re: Shoes for Plantar Fasciitis?

The shoes that helped my wife (along with all the therapy) are Eastland brand. There's a Web site. These are casual shoes, not athletic shoes.
by Tom_T
Mon Oct 20, 2014 2:09 pm
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2430

Re: online shopping for laptop PC

I have a Thinkpad, which you can get at shop.lenovo.com. And you can still get them with Windows 7.
by Tom_T
Mon Oct 20, 2014 1:24 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 25
Views: 1743

Re: need new microwave - what happened to Sharp?

Have you checked Sears? I bought my Sharp Carousel from them. (The hometown Sears outlet that sells appliances, not the big Sears at the mall) Mine is 1,100 watts, think I bought it around 4 or 5 years ago. Works good. +1. I also replaced my ancient Carousel with a newer version at Sears a few year...
by Tom_T
Mon Oct 20, 2014 12:57 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1680

Re: Shoes for Plantar Fasciitis?

Ah, plantar fasciitis.. my wife battled PF for most of this year, and just now is at the point where she can run in races again. It's the kind of thing that can linger for months. She went through a lot of different types of shoes: for running, for casual/work, and even for hanging around the house ...
by Tom_T
Mon Oct 20, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: Shoes for Plantar Fasciitis?
Replies: 47
Views: 2430

Re: TBM too much treasury?

There have been countless discussions here on that very topic! Plenty of opinions. Lots of old threads to look over. Here is one from last year that is still worth a look.

viewtopic.php?f=1&t=119783
by Tom_T
Thu Oct 16, 2014 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4510

Re: Headed for a 300+ point loss today?

Bustoff wrote:The 10 Yr is below 2%.

After all the anxiety over bond funds, who would have thunk. :oops:

Yes, but now that the rate is so low again, we can start a new round of threads about how rates can only go up from here, and how bond funds are going to lose money. It's spring 2013 all over again. :)
by Tom_T
Wed Oct 15, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34347

Re: Treasury Bonds falling through the floor

This has been a bad year for bond market "experts".
by Tom_T
Wed Oct 15, 2014 9:04 am
 
Forum: Investing - Theory, News & General
Topic: Treasury Bonds falling through the floor
Replies: 13
Views: 1417

Re: It's a good day to be heavy in REITs

Forget REITs. It's a good day to be heavy in bonds. ;)
by Tom_T
Wed Oct 15, 2014 7:58 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4040

Re: [unofficial Fed announcements make bond prices predictab

Though the Fed did not explicitly say they are raising interest rates, they indicate they will probably raise them. Except that we often get a Fed governor who likes to go "off the reservation" and issue his own statement. For example, the San Francisco Fed chief, John Williams, just told...
by Tom_T
Tue Oct 14, 2014 1:45 pm
 
Forum: Investing - Theory, News & General
Topic: [unofficial Fed announcements make bond prices predictable?]
Replies: 25
Views: 931

Re: It's a good day to be heavy in REITs

It's nice to boil down risk into a simple scale of 1-5, but that is oversimplification for the masses. A '4', according to Vanguard, means "moderate to aggressive funds." Isn't that a pretty broad category? Anything above that encompasses the riskiest funds they can imagine. An internation...
by Tom_T
Tue Oct 14, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4040

Re: Should your AA change based on World Events?

Related but different question. What if you are new to investing into International markets. Do you enter now and take a big haircut? Or just hope you caught the dip? Things change. Markets can look bad... until they look good. Following the herd... well, isn't that what gets investors into trouble...
by Tom_T
Tue Oct 14, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Should your AA change based on World Events?
Replies: 22
Views: 1451

Re: need a new home page

I use my.yahoo.com. No photos. I customized it to show just a few sections: news, financial, sports. Each is in its own block, and has the top 7-8 items of the moment. That's it. It's a very clean page if you just want to see the main stories broken into categories.
by Tom_T
Tue Oct 14, 2014 10:04 am
 
Forum: Personal Consumer Issues
Topic: need a new home page [browser default page]
Replies: 25
Views: 1994

Re: It's a good day to be heavy in REITs

This has been a good year for REITs so far. Last year, they got trounced by Total Stock Market (33% to 2%). Next year, who knows...

Besides, if you're not selling today, then the price doesn't mean anything.
by Tom_T
Tue Oct 14, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4040

Re: What Do You Keep In Your Bank Safe Deposit Box?

Keep in mind that although you may authorize other people to open your safe deposit box, if you die, those people can't necessarily run right down to the bank and remove all the contents.The box is considered to be part of the deceased's estate. Each state has different laws about this. Some states ...
by Tom_T
Tue Oct 14, 2014 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: What Do You Keep In Your Bank Safe Deposit Box?
Replies: 39
Views: 2643

Re: Market corrections and rebalancing band

A common band application is to rebalance only when your AA is off by +/- 5%. So if you have a 50/50 AA and it is in balance it requires a market correction of about ~10% to hit the lower band. But if you are just under the upper limit - say 54.9/45.1 - it requires nearly a 30% correction to reach ...
by Tom_T
Fri Oct 10, 2014 12:05 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4205

Re: Headed for a 300+ point loss today?

There has been talk of a 10-15% correction for quite a while now. That's normal, right? If the Dow is at 17,000, that means you have to watch it lose 2,000 points. 300 points is just the first few steps.
by Tom_T
Fri Oct 10, 2014 11:05 am
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34347

Re: Questioning our Bond Portfolio and TIPS Purchases?

asif408 wrote:hawkfan55,

FWIW, both total bond and VAIPX have dropped since mid-August.

VAIPX topped out in August, but Total Bond is right around its high for the year.
by Tom_T
Fri Oct 10, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Questioning our Bond Portfolio and TIPS Purchases?
Replies: 6
Views: 794

Re: Headed for a 300+ point loss today?

EmergDoc wrote:Looks like we're down 4% from the peak. We were last here in....wait for it.....August 2014. The drops in January 2014 and in July 2014 were bigger. Don't remember those? You might not remember this one either.

You mean my paper gains from August are now gone? ;)
by Tom_T
Thu Oct 09, 2014 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 461
Views: 34347

Re: A good day to be in heavy in Bonds --- 10-7-2014....

There is nothing wrong with diversification. Vanguard Total Bond Market now has a better YTD return than Total Stock Market. Somehow, interest rates that had "nowhere to go but up" found somewhere else to go. Yesterday's action had little net effect on my portfolio.
by Tom_T
Wed Oct 08, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: A good day to be in heavy in Bonds --- 10-7-2014....
Replies: 28
Views: 3420

Re: When people put all their eggs in the wrong basket

You can also see that posters are emotionally invested in the forum itself. It's like they are a club that shares exclusive information, cheers each other on, lives the highs and lows together, and probably share with each other their dreams of wealth. Several posters, in the wake of this tragedy, ...
by Tom_T
Wed Oct 08, 2014 8:06 am
 
Forum: Investing - Theory, News & General
Topic: When people put all their eggs in the wrong basket
Replies: 233
Views: 28793

Re: Bonds Beware

With stocks the saying I believe is buy when there is blood in the water or when the market has dropped off a cliff like 2008.With bonds on the other hand if the much talked about downturn finally happens and interest rates rise for a period if years,is there a point where you go all in with say th...
by Tom_T
Mon Oct 06, 2014 2:52 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds Beware
Replies: 34
Views: 4902

Re: Should I add REIT/SCV?

On the other hand, many wise-heads here tilt to REIT and/or one of the small cap index and I wonder if I am missing on those extra returns if I don't go with it. There are plenty of non-tilters here. Some of them are "wise-heads", too! You are missing out on potential extra returns -- alo...
by Tom_T
Thu Oct 02, 2014 3:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add REIT/SCV?
Replies: 10
Views: 796

Re: investing during market drop

What is your definition of a correction?
by Tom_T
Thu Oct 02, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: investing during market drop
Replies: 15
Views: 1221

Re: When should someone "not stay the course"?

On August 28, 2006, Vanguard's Total International Stock index was priced at $16.42 per share. On September 30, 2014, it was priced at $16.41 per share. That's almost 10 years of stagnation (or 8 years, 1 month, and 2 days to be exact). I know that I'm cherry picking the dates here, but if I invest...
by Tom_T
Tue Sep 30, 2014 2:30 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2594

Re: Southwest Airlines Engulfing, Reversal Candle Signals Do

I do find the technical analysis terminology hilarious. "Iron Cross Double Eagle", etc. Reminds me of the names of plays called in the huddle during high school football. Too bad it is no more effective an investment strategy than reading coffee grounds. Our plays consisted of "every...
by Tom_T
Mon Sep 22, 2014 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3547

Re: Basketball systems: In Ground or Portable?

I have a portable one that was filled with water. But, after several bad winters, the base began to leak. It is now empty. I have a few bags of sand sitting on top of the base. I wrapped the bags in heavy-duty black garbage bags to protect them from the elements. If I need to move the hoop, it's eas...
by Tom_T
Mon Sep 22, 2014 12:18 pm
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 940

Re: Blood work for cats

We have a FIV+ cat who is healthy, and she doesn't even get blood work. No way would I spend that kind of money on a healthy cat, even a "senior citizen" like yours.
by Tom_T
Sun Sep 21, 2014 7:30 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2644

Re: The Roosevelts, PBS special

FYI, Doris Kearns Goodwin (a familiar face on any Ken Burns PBS project, including this one) wrote a wonderful book in 1995 called "No Ordinary Time: Franklin and Eleanor Roosevelt: The Home Front in World War II". Well worth reading if you like all things Roosevelt. Lots of insight on the...
by Tom_T
Tue Sep 16, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 104
Views: 8681

Re: FIOS

I switched from Comcast to FiOS three years ago, and I would not go back. I don't know what the Comcast on-screen menus look like now, but at the time they looked simplistic and antiquated compared to FiOS -- particularly the DVR menu. FiOS speed is far better than what I had with Comcast. I just no...
by Tom_T
Fri Sep 12, 2014 2:45 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 46
Views: 3621

College-bound teens and finances

For those of you who have sent your teens off to college, or are planning to in the next year: what are your thoughts about setting up the basic financial mechanisms for them? Checking account (joint?) Debit card? Credit card (gulp)? I know there's a broader question in here about teaching your kids...
by Tom_T
Tue Sep 09, 2014 1:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: College-bound teens and finances
Replies: 35
Views: 2594

Re: Second guessing the three fund portoflio

When the day comes that I see a defense of active management that doesn't come from an active manager, then maybe I'll pay attention.
by Tom_T
Thu Sep 04, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Second guessing the three fund portoflio
Replies: 14
Views: 949

Re: Your biggest "Missed Money" event that still kills you?

I owned and sold 93 shares of Apple @ $15/share ... back around 2003?... which was before a 2:1 and a 7:1 split. :oops: I feel your pain. In 1983, when I was in graduate school, we had to write reports on Apple. The stock price was around $60; split-adjusted, around $8. I had thought about buying s...
by Tom_T
Mon Aug 18, 2014 1:34 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8522

Teaching teen to drive

For those of you who have already done this: how did you teach your teenager to drive? My son (just turned 16) wants to sign up with a driving school that is popular with many of his high school friends. The school's lessons consist of three two-hour sessions. That doesn't seem like a lot to me. I s...
by Tom_T
Fri Aug 15, 2014 1:04 pm
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1464

Re: U.S. stocks in freefall

dognose wrote:Look on the bright side. It's now been several days since we've seen a new thread asking "Why not 100 percent equities?"

:)

And some people are still worried about their bond funds, as if those were the volatile assets that could sink their portfolios.
by Tom_T
Wed Aug 06, 2014 7:32 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 941
Views: 158426

Re: Short term vs Intermediate term bond funds

There are approximately a zillion threads on that very topic. :)

Here's one...

viewtopic.php?f=1&t=129443&p=2095041#p2095041
by Tom_T
Tue Aug 05, 2014 12:53 pm
 
Forum: Investing - Theory, News & General
Topic: Short term vs Intermediate term bond funds
Replies: 27
Views: 2768

Re: state income tax withheld from IRA distribution?

O.k., folks. Vanguard made a carefully decision to withhold state taxes only when required by law. It is expensive to have to collect and file taxes with states. It's one way to hold down the cost. If tax withholding is important to you, you may want to transfer your money elsewhere. It's hard to h...
by Tom_T
Thu Jul 31, 2014 10:35 am
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 44
Views: 2105

Re: Afraid of Bonds

Keep in mind that if equities go through a correction, you might see bond prices rise as investors look for safety.
by Tom_T
Sat Jul 26, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2456

Re: Do I Need REIT's?

You might find this recent thread to be helpful.

viewtopic.php?f=10&t=142648

Edited to add: And this one, too!

viewtopic.php?f=10&t=143020
by Tom_T
Wed Jul 16, 2014 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do I Need REIT's?
Replies: 1
Views: 417

Re: POLL: Do you have a dedicated REIT allocation?

Show me a guy with a 5% or 10% REIT allocation, and I'll show you someone who's read a couple of dated investing books, [OT comment removed by admin LadyGeek] . Not only will such a small allocation make no expected difference to your returns, the experts who did suggest such a bet were doing so wh...
by Tom_T
Wed Jul 16, 2014 11:46 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 8243

Re: Amazon prime - how to get the best out of it?

Probably not going to resubscribe to prime. I don't care about the price increase, but they've almost completely stopped using UPS. Now it's USPS and some other cheap services like Lasership. They almost never deliver within 2 business days, and they sometimes deliver to the wrong mailbox. There ar...
by Tom_T
Thu Jul 10, 2014 8:56 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5370
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