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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 3:30 pm
 
Forum: Investing - Theory, News & General
Topic: When should someone "not stay the course"?
Replies: 43
Views: 2426

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 2:39 pm
 
Forum: Investing - Theory, News & General
Topic: Southwest Airlines Engulfing, Reversal Candle Signals Downsi
Replies: 55
Views: 3284

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 1:18 pm
 
Forum: Personal Consumer Issues
Topic: Basketball systems: In Ground or Portable?
Replies: 16
Views: 887

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 8:30 am
 
Forum: Personal Consumer Issues
Topic: Blood work for cats
Replies: 40
Views: 2411

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 1:37 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 100
Views: 7931

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 3:45 pm
 
Forum: Personal Consumer Issues
Topic: FIOS [versus cable]
Replies: 28
Views: 2139

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 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: College-bound teens and finances
Replies: 35
Views: 2453

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 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: Second guessing the three fund portoflio
Replies: 14
Views: 895

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 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Your biggest "Missed Money" event that still kills you?
Replies: 102
Views: 8099

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 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Teaching teen to drive
Replies: 31
Views: 1446

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 8:32 am
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 834
Views: 138920

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 1:53 pm
 
Forum: Investing - Theory, News & General
Topic: Short term vs Intermediate term bond funds
Replies: 27
Views: 2599

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 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: state income tax withheld from IRA distribution?
Replies: 44
Views: 1957

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 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Afraid of Bonds
Replies: 28
Views: 2315

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 1:39 pm
 
Forum: Investing - Theory, News & General
Topic: Do I Need REIT's?
Replies: 1
Views: 411

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 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you have a dedicated REIT allocation?
Replies: 123
Views: 7639

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 9:56 am
 
Forum: Personal Consumer Issues
Topic: Amazon prime - how to get the best out of it?
Replies: 48
Views: 5235

Re: Toys for a Lazy Cat

I wonder if this varies by vet; mine said that wet food is worse, and has higher calories and is bad for the teeth. He asked that we go on a full dry food diet, but my cat loves it too much. We ended up cutting his wet food intake by half going from the 5.5 oz cans to the 2.75 oz ones. Find a new v...
by Tom_T
Wed Jul 09, 2014 8:31 am
 
Forum: Personal Consumer Issues
Topic: Toys for a Lazy Cat
Replies: 46
Views: 3059

Re: stocks about to plunge

The most entertaining thing I read today was from a poster on another board who has been predicting a big correction for the past two years. Despite being wrong at every turn, he remains undaunted: "eventually I will be right." He just doesn't know when. ;)
by Tom_T
Tue Jul 08, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: stocks about to plunge
Replies: 39
Views: 7910

Re: Cash allocation in a portfolio

There is an article in today WSJ (7/7) highlighting some mutual funds whose managers decided to go very big (> 50%) into cash a year or two ago. Naturally, those funds are at the bottom of the rankings. And, not surprisingly, the managers feel that their decision will be vindicated someday. No word ...
by Tom_T
Mon Jul 07, 2014 1:06 pm
 
Forum: Investing - Theory, News & General
Topic: Cash allocation in a portfolio
Replies: 42
Views: 3842

Re: Eneloop batteries in smoke detectors

OK....convinced. Maxell alkaline batteries in smoke detectors. About $15 for 48 batteries on Amazon. The smoke detectors are a hassle because they take 3 batteries each and go dead at unpredictable times. What sort of smoke detector takes 3 batteries? Would I be correct in assuming that these are 9...
by Tom_T
Wed Jul 02, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: Eneloop batteries in smoke detectors
Replies: 36
Views: 1881

Re: American Automobile Assn (AAA)

Maybe I will reconsider. Re: the three-mile-tow plan, what happens if you are driving through the country and you are several miles away from the nearest garage? Do you still get a tow, and you pay extra?
by Tom_T
Sun Jun 22, 2014 8:04 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3559

Re: American Automobile Assn (AAA)

I dumped AAA last year. There are other avenues to get emergency service. I was also getting tired of the membership fee being hiked every year to pay for all those "benefits" that I never use. $170/year for me and my wife? No, thanks. $170 per year? Did you have the long distance towing ...
by Tom_T
Fri Jun 20, 2014 10:01 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3559

Re: American Automobile Assn (AAA)

I dumped AAA last year. There are other avenues to get emergency service. I was also getting tired of the membership fee being hiked every year to pay for all those "benefits" that I never use. $170/year for me and my wife? No, thanks.
by Tom_T
Fri Jun 20, 2014 9:35 am
 
Forum: Personal Consumer Issues
Topic: American Automobile Assn (AAA)
Replies: 51
Views: 3559

Re: Bond allocation / Bond fund handwringing

LongerPrimer wrote:I've been holding 10-20% cash instead of bonds since 2008-09.

Have you calculated how much money this decision has cost you?
by Tom_T
Thu Jun 19, 2014 11:24 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond allocation / Bond fund handwringing
Replies: 23
Views: 2732

Re: If chasing market performance is bad...

What people fail to understand is that by the time you hear about something on the news, it has already been digested by the market. And apparently, a militant takeover of a refinery has elicited a collective shrug.
by Tom_T
Thu Jun 19, 2014 11:03 am
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4944

Re: what to do about bond investing if worried

Hang on -- I think the author is being sarcastic: One of the new fund offerings are alternative or “unconstrained” bond funds. These funds allow the managers to buy almost anything they fancy. The idea is that they can still time the market and predict interest rates, they just need the right tools ...
by Tom_T
Thu Jun 19, 2014 9:48 am
 
Forum: Investing - Theory, News & General
Topic: what to do about bond investing if worried
Replies: 15
Views: 1147

Re: Market Timing Predictions Thread

A better use of this thread would be to include a list of links to all of the posts that start "With the markets at an all-time high, a correction has to happen soon". Then one can easily point to this thread for every future comment that starts that way to show how many times people made...
by Tom_T
Wed Jun 18, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Market Timing Predictions Thread
Replies: 30
Views: 1923

Re: bridge loan

Try Publication 590 on the IRS site, under the heading Rollover From One IRA Into Another. You can definitely do a rollover in more than IRA account if you follow the 60-day rule. But, as I said, not in 2015.
by Tom_T
Mon Jun 16, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: bridge loan
Replies: 6
Views: 534

Re: bridge loan

My understanding is that you can do another rollover. But don't wait too long. The IRS has changed the rules. Starting in 2015, you can only do one rollover a year regardless of how many IRAs you own. You would not be able to tap two different IRA accounts and use the 60-day rule.
by Tom_T
Mon Jun 16, 2014 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: bridge loan
Replies: 6
Views: 534

Re: Market timing: Getting out of bonds?

When the rising rate environment shows up, let me know. ;)
by Tom_T
Mon Jun 16, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Market timing: Getting out of bonds?
Replies: 17
Views: 1903

Re: chicken marinade recipes

I have had very good results with (1) marinating in Allegro marinade with some liquid smoke mixed in, and (2) brushing chicken with Stubb's BBQ sauce during cooking. This works in the oven, too.
by Tom_T
Mon Jun 16, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: chicken marinade recipes
Replies: 32
Views: 1931

Re: If chasing market performance is bad...

Market timing is a lot of work, first you have to know when to sell, then you have to know when to buy again. There seems to be the default assumption that if you do "market timing" that you trade 100 times a year. The reality is that many people who practice "market timing" tra...
by Tom_T
Fri Jun 13, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: If chasing market performance is bad...
Replies: 85
Views: 4944

Re: Bernstein: A Decade of Super-Low Returns

Aren't we always saying that nobody can predict what the market will do this year? Ten-year predictions, even by a respected writer like Bill Bernstein, are not (or should not be) actionable, therefore they are nothing more than interesting reading.
by Tom_T
Mon Jun 09, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17867

Re: "Simple Wealth, Inevitable Wealth" by Nick Murray. revie

I agree with the idea of making a plan and sticking to it, but once I read the following, I got turned off. "no one will ever be able to resist the great behavioral traps of equity investing without the calm, consistent, empathetic but tough-loving counsel of a high quality advisor, whose funct...
by Tom_T
Wed Jun 04, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Simple Wealth, Inevitable Wealth" by Nick Murray. reviews?
Replies: 5
Views: 1159

Re: Investing in Mutual funds/ETF which are at 52 week high?

Sentences that start with "I know nobody can time the market, but..." invariably end with a proposal to do just that. ;) Either invest the entire $25K now, or dollar-cost-average in over the next 12 months if that makes you feel better. Just don't sit back and do nothing, waiting for "...
by Tom_T
Fri May 30, 2014 12:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Mutual funds/ETF which are at 52 week high?
Replies: 9
Views: 666

Re: New Identity Theft Scam

Current prevailing theory is that Nigerian/419 email scams are intentionally poorly written so that only the most gullible (or the anti-419 crowd) bothers to respond to them. This self-selection bias allows them to focus resources on the easiest marks. I never thought about that. If you read it, an...
by Tom_T
Tue May 06, 2014 9:15 am
 
Forum: Personal Consumer Issues
Topic: New Identity Theft Scam
Replies: 20
Views: 2629

Re: Delay Social Security to age 70 and Spend more money at

It should really be quantified to people can see the monetary value they hedge on their remaining years on this earth. I wonder what is the opportunity cost of delaying SS until 70. Maybe compare the cumulative risk of mortality between 62-70 as a percentage (probability). Then take the difference ...
by Tom_T
Mon May 05, 2014 11:56 am
 
Forum: Investing - Theory, News & General
Topic: Delay Social Security to age 70 and Spend more money at 62
Replies: 143
Views: 13606

Re: Are Historical Returns Irrelevant?

I know I'm beating a dead horse, but again--why not pick them on the basis of historical success? Isn't that what we're doing with index funds: Historical funds have performed better after costs than active funds, ergo index funds are better?" The issue is not that some active funds beat the i...
by Tom_T
Thu May 01, 2014 1:02 pm
 
Forum: Investing - Theory, News & General
Topic: Are Historical Returns Irrelevant?
Replies: 44
Views: 2988

Re: Are Historical Returns Irrelevant?

After all, this is essentially what is being done when we say, "Index funds are better than actively managed funds because we can see that actively managed funds have performed worse than index funds after accounting for costs and taxes." If that is permissible, aren't we making a stateme...
by Tom_T
Wed Apr 30, 2014 1:17 pm
 
Forum: Investing - Theory, News & General
Topic: Are Historical Returns Irrelevant?
Replies: 44
Views: 2988

Re: Windows XP users

If one insisted on sticking with XP, at the very least stop using IE and switch to a supported browser, and make sure that you've got good anti-virus and anti-malware packages.
by Tom_T
Mon Apr 28, 2014 9:32 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 48583

Re: How low are interest rates, really?

If we saw the 10-year rate touching 1.5% last year, and now it is 2.7%, how can anyone say that rates can't go much lower? I guess it depends on how one defines "much". And, if there's a shock to the stock market, you might see rates plummet as people "rush to safety." (And maybe...
by Tom_T
Mon Apr 28, 2014 9:25 am
 
Forum: Investing - Theory, News & General
Topic: How low are interest rates, really?
Replies: 60
Views: 15083

Re: Convince me to lump sum into the market

To me, the biggest advantage of LS is that, once you make the jump, you can stop thinking about what to do with your money . Because the alternative is that it is never going to feel like the "right" time to invest. If market is soaring, you're afraid it is too high. If market is falling, ...
by Tom_T
Mon Apr 28, 2014 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Convince me to lump sum into the market
Replies: 57
Views: 11166

Re: Can I Open a Brokerage Account with Inherited IRA?

... do I need to keep an amount in money market fund that will cover the RMD? I'd prefer to do that over having an automated sale of stock to cover the RMD since the automated sale could transpire when the markets are down. Is it common practice with non-spousal inherited IRA to keep a money market...
by Tom_T
Sat Apr 26, 2014 7:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I Open a Brokerage Account with Inherited IRA?
Replies: 15
Views: 1151

Re: Avast loaded malwhere with updated "protection".

I call Avast and Malware Bytes the dynamic duo. Each catches things the other doesn't. Occationally run a full scan on each. Expect over an hour for MB and perhaps 45 minutes for Avast. Check in ad/remove programs for recent added programs and kill those that you didn't install. We've had other ant...
by Tom_T
Sat Apr 26, 2014 7:44 am
 
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4322

Re: Malwarebytes Anti-malware advises it will expire shortly

It's confusing because there is no one best package. Each has strengths and weaknesses. Just pick something and don't sweat it. Right now, I use Malwarebytes plus Avast, and they've done a good job for me (and I've used numerous products over the years.) Others will recommend something else. PC Maga...
by Tom_T
Fri Apr 25, 2014 5:16 pm
 
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-malware advises it will expire shortly
Replies: 22
Views: 5361

Re: Mom and Pop Step Up Their Trading

Also lots of TV ads are enticing. This one in particular (Fidelity) shows a man watching three screens with all the colors and trend lines. The background music is thumping and all of a sudden he does a fist thump because he got his trade I guess. Sam Online gambling recently became legal in my sta...
by Tom_T
Thu Apr 24, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2269

Re: Mom and Pop Step Up Their Trading

I saw that story in the Journal. There was a quote from a young guy about how he stumbled into stock trading "on the Internet". He's doing it on the side, but he hopes to become a full-time trader. :shock: I haven't received any stock tips from the mailman or doorman yet, so maybe that's a...
by Tom_T
Thu Apr 24, 2014 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Mom and Pop Step Up Their Trading
Replies: 18
Views: 2269

Re: Avast loaded malwhere with updated "protection".

bberris wrote:I think you clicked on a fake link. Tried Malware bytes for removal?
Agreed. I have used Avast for two years and have never, ever had a problem. Avast is one of the most highly-rated security packages around.
by Tom_T
Thu Apr 24, 2014 12:28 pm
 
Forum: Personal Consumer Issues
Topic: Avast loaded malwhere with updated "protection".
Replies: 20
Views: 4322
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