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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 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Negative Yields Hit US Treasury Markets
Replies: 15
Views: 2316

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
Mon Mar 30, 2015 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: Bernanke's Blog: why are interest rates so low?
Replies: 26
Views: 2738

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
Wed Mar 18, 2015 2:19 pm
 
Forum: Investing - Theory, News & General
Topic: Dollar falls after Fed policy statement released
Replies: 10
Views: 1177

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
Tue Mar 10, 2015 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to buy international funds
Replies: 34
Views: 2522

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 Feb 27, 2015 9:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Cost of medication - Costco versus Walgreens
Replies: 13
Views: 1086

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
Fri Jan 09, 2015 12:24 pm
 
Forum: Personal Consumer Issues
Topic: Emergency Road Service..........
Replies: 36
Views: 2933

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 12:07 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229883

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 10:04 am
 
Forum: Investing - Theory, News & General
Topic: 1.98% vs. 1.78%
Replies: 14
Views: 1021

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: 1021

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 4:00 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229883

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 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4191

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 1:48 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229883

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 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1225
Views: 229883

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
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: 5040

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 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: A Fund That Trounces the S&P 500
Replies: 6
Views: 2037

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
Wed Dec 31, 2014 11:15 am
 
Forum: Personal Consumer Issues
Topic: Games
Replies: 38
Views: 4483

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 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4185

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 12:04 pm
 
Forum: Investing - Theory, News & General
Topic: How do Stock prices alter the Bond Market?
Replies: 9
Views: 1011

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
Tue Dec 30, 2014 10:55 am
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5300

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: 1225
Views: 229883

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: 49
Views: 3191

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: 1333

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: 4613

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: 327

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: 4613

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: 4613

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: 263

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: 5476

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: 5194

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: 1106

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: 952

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: 4096

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: 2795

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: 4489

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: 3538

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: 3538

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: 1935

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: 1906

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: 3538

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: 4877

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: 37240

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: 1436

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: 4184

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: 985

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: 4184

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: 1515

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: 2130

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: 4184

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: 2751

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: 4492
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