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Re: U.S. stocks in freefall

How come we didn't have a thread this year called "Interest rates in freefall"? :)
by Tom_T
Wed Dec 17, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1038
Views: 181579

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
Tue Dec 16, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Any negative outlooks on healthcare industry's future
Replies: 30
Views: 1364

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 3:25 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed December cd rates released - Down
Replies: 6
Views: 1272

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 10:57 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4354

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 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond Allocation - TBM or Slice and Dice
Replies: 2
Views: 311

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 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4354

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 Dec 01, 2014 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD rates ...
Replies: 49
Views: 4354

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: 254

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: 5270

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: 5072

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: 1013

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: 850

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: 3982

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: 2600

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: 4114

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: 2568

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: 2568

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: 1817

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: 1776

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: 2568

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: 4641

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: 464
Views: 36381

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: 1425

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: 4075

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: 956

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: 4075

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: 1468

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: 2066

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: 4075

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: 2671

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: 4288

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: 464
Views: 36381

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: 809

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: 464
Views: 36381

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: 3430

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: 29819

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: 5120

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: 836

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: 1248

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: 2703

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: 3651

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: 951

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: 4347

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: 8797

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: 47
Views: 3925

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: 2642

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: 958

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: 8758

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: 1473
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