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Re: Is 1800s stock market data even relevant?

Sometimes I question whether 1900s market data is relevant.
by Tom_T
Tue Apr 22, 2014 9:02 am
 
Forum: Investing - Theory, News & General
Topic: Is 1800s stock market data even relevant?
Replies: 59
Views: 2616

Re: Why are total bond market funds so often recommended?

What are you saying? That the average duration of TBM is much higher than what Vanguard says?
by Tom_T
Wed Apr 16, 2014 12:06 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4444

Re: Why are total bond market funds so often recommended?

Regardless, I take issue with how Vanguard groups maturities. These are Morningstar's numbers. http://portfolios.morningstar.com/fund/summary?t=VBMFX&region=usa&culture=en-US Bond Maturity Breakdown VBMFX % Bonds 1 to 3 Years 24.05 3 to 5 Years 17.51 5 to 7 Years 11.28 7 to 10 Years 9.32 10...
by Tom_T
Wed Apr 16, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4444

Re: Why are total bond market funds so often recommended?

Isn't it supposed to represent the bond market as a whole - which includes long-term bonds? I wasn't sure how to interpret your comment about it being a "double-edged sword." I was just expressing some personal angst (which may be misplaced) about the interest-rate risk associated with th...
by Tom_T
Wed Apr 16, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4444

Re: Why are total bond market funds so often recommended?

Isn't it supposed to represent the bond market as a whole - which includes long-term bonds? I wasn't sure how to interpret your comment about it being a "double-edged sword."
by Tom_T
Wed Apr 16, 2014 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4444

Re: Why are total bond market funds so often recommended?

Total Bond Markets diversification is beginning to look like a double-edged sword in terms of duration risk. Distribution by maturity (% of fund) as of 03/31/2014 5 - 10 Years - 35.4% 10 - 20 Years - 5.2% 20 - 30 Years - 10.5% Over 30 Years - 0.4% Why? Isn't this fund doing what it is supposed to do?
by Tom_T
Wed Apr 16, 2014 8:48 am
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 4444

Re: Running Forum?

So many, but Runner's World is a good start.

http://community.runnersworld.com/forums

Besides the forum, RW also has plenty of articles on training, from beginner on up.
by Tom_T
Mon Apr 14, 2014 3:22 pm
 
Forum: Personal Consumer Issues
Topic: Running Forum?
Replies: 3
Views: 346

Re: Chess.com is The Bomb

We've come a long way since chess-by-mail.
by Tom_T
Mon Apr 14, 2014 8:11 am
 
Forum: Personal Consumer Issues
Topic: Chess.com is The Bomb
Replies: 10
Views: 1303

Re: NYC Comic Con

I took my much-older kids there last fall (ages 12 and 15.) There is no way we would ever go back, and under no circumstances would I take a two-year-old. Comic-Con NYC is a gigantic convention floor filled with tables and booths of people selling their overpriced comic-related stuff. There is very ...
by Tom_T
Fri Apr 11, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 678

Re: Anyone else very reluctant to buy right now?

Wow.It is very clear to me that belief systems are VERY strong and the stronger you believe the less likely you are to see something even in a slightly different way.There is just no way in the real world that selling a long term investment to time the market is exactly the same as waiting to inves...
by Tom_T
Thu Apr 10, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12201

Re: Preventing Office Theft of Food and Other Stuff

My favorite story is by an office mate from years ago. She put a container of rice in the refrigerator. Someone opened it, took a few spoonfuls out, then put the rest back. She was hoping that the person wasn't actually eating out of the container. I guess it would look worse if you saw that your sa...
by Tom_T
Thu Apr 03, 2014 11:09 am
 
Forum: Personal Consumer Issues
Topic: Preventing Office Theft of Food and Other Stuff
Replies: 77
Views: 5207

Re: water heater purchase from Amazon

Agreed. Too much potential for headaches. What if there's a problem the day after it is installed? You're going to call the plumber to put the old one back in? (And he will charge you, of course.) If he's giving you a price for the heater+installation, then he's on the hook until it comes out right....
by Tom_T
Tue Apr 01, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: water heater purchase from Amazon
Replies: 12
Views: 1220

Re: Amazon Prime Increase

If you had asked me to bet how many pages the forum would spend discussing a $20 price increase for Amazon Prime, I would have lost money. Even for Bogleheads, I expected a page or two (and I say that with great appreciation for BH's passionate appreciation of value). I mean, everyone can decide ho...
by Tom_T
Sat Mar 29, 2014 7:53 am
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: Amazon Prime Increase

Why does anyone care if someone wants to pay for Prime and get their stuff earlier? It's personal preference. It's not "worth it" to you, but it is to me. End of story.
by Tom_T
Sat Mar 22, 2014 2:02 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: ALERT: Obamacare Phishing Calls

Caller ID makes my life simpler. If I don't recognize the phone number, I don't answer the call. If it's important, they'll leave a message. Usually, all I hear is a click.
by Tom_T
Thu Mar 20, 2014 4:09 pm
 
Forum: Personal Consumer Issues
Topic: [ALERT: Affordable Care Act Phishing Calls]
Replies: 16
Views: 783

Re: Why did Bond Funds take a beating...

There is so much trading and speculation leading up to a Fed meeting that there is usually no rhyme or reason to what happens in the market. Maybe a bunch of big traders were betting on Yellin saying one thing, and she said another. Or she phrased something the wrong way (that'll teach her!) I would...
by Tom_T
Thu Mar 20, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Why did Bond Funds take a beating...
Replies: 39
Views: 3574

Re: Best smartphone in 2014?

For additional opinions, if you Google "best smartphone camera", you'll find some very recent articles on the subject.
by Tom_T
Wed Mar 19, 2014 4:49 pm
 
Forum: Personal Consumer Issues
Topic: Best smartphone in 2014?
Replies: 38
Views: 2241

Re: Bad time to open new fund in Roth?

If you're in your early 30s, the Dow will probably be over 100,000 when you start pulling money out of your Roth IRA. Are you sure about this? It would only take a 5.5% growth rate for the Dow to exceed 100,000 thirty five years from now. Figuring a 3% inflation rate, that means a 2.5% real growth ...
by Tom_T
Tue Mar 18, 2014 9:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Bad time to open new fund in Roth?
Replies: 19
Views: 1658

Re: XP to 7--please spell out what I buy, where, how much

Nisi buy a new computer. It rarely makes sense to mess with upgrading to a new OS. Perhaps if your computer is less than 2 years old. It's just not worth the time, the risk, etc. Start fresh and pull your data over. Trust me. agree...the general rule is new operating system...new computer C'mon... ...
by Tom_T
Mon Mar 17, 2014 9:56 am
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2275

Re: XP to 7--please spell out what I buy, where, how much

Nisi buy a new computer. It rarely makes sense to mess with upgrading to a new OS. Perhaps if your computer is less than 2 years old. It's just not worth the time, the risk, etc. Start fresh and pull your data over. Trust me. I don't agree. XP to Win7 is a clean install -- you're not really "u...
by Tom_T
Mon Mar 17, 2014 9:38 am
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2275

Re: XP to 7--please spell out what I buy, where, how much

The "upgrade" version allows you to move from a properly-licensed version of Windows XP to something newer. Since the upgrade version is cheaper, this is usually the way to go. I usually turn to sites like newegg.com to buy Windows, although I've also had some luck on eBay if the seller is...
by Tom_T
Mon Mar 17, 2014 9:31 am
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2275

Re: Amazon Prime Increase

FYI, sometimes Prime surprises me. I ordered something yesterday morning (Saturday.) It was on my doorstep today -- Sunday. I was shocked. I didn't even know that anyone delivered on Sunday.
by Tom_T
Sun Mar 16, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: I don't want to upgrade XP just yet, is that ok?

I am not a "hacker" who steals information from computers and I know diddly about computer security, but here's my unfounded speculation. I would think that if I were a hacker, ,since this has been in the works for such a long time (termination of XP support), that they would be planning ...
by Tom_T
Fri Mar 14, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6363

Re: Amazon hikes cost of Prime to $99

Never understood why prime is so popular. Amazon has nothing that I can't wait an extra day or 2 to receive. Just added expense for essentially no real benefit. If you're willing to bunch your purchases to exceed $35, that is. Otherwise, you pay shipping. And you pay for returns. I don't think of i...
by Tom_T
Thu Mar 13, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: Amazon hikes cost of Prime to $99

Never understood why prime is so popular. Amazon has nothing that I can't wait an extra day or 2 to receive. Just added expense for essentially no real benefit. If you're willing to bunch your purchases to exceed $35, that is. Otherwise, you pay shipping. And you pay for returns. I don't think of i...
by Tom_T
Thu Mar 13, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Increase
Replies: 185
Views: 7666

Re: The "do not know the future" allocation

I'm still waiting for the "I know the future" allocation. :)
by Tom_T
Mon Mar 10, 2014 11:57 am
 
Forum: Investing - Help with Personal Investments
Topic: The "do not know the future" allocation
Replies: 37
Views: 3050

Re: Yahoo changes are awful - what homepage do you like?

If you want to talk about awful, look at what nbcnews.com did to their site last month. They turned one of the best news home pages into one of the worst.
by Tom_T
Mon Mar 10, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: Yahoo changes are awful - what homepage do you like?
Replies: 66
Views: 5121

Re: Backing up Microsoft Outlook 2010 on local machine

Assuming this is a non-Exchange environment you can easily make a backup of all your PST files (close Outlook first!) You can find them under the user profile but you may have to search for *.pst as different versions of the Operating system put the files in different places(c:\documents and settin...
by Tom_T
Mon Mar 10, 2014 11:40 am
 
Forum: Personal Consumer Issues
Topic: Backing up Microsoft Outlook 2010 on local machine
Replies: 9
Views: 387

Re: Backing up Microsoft Outlook 2010 on local machine

Assuming this is a non-Exchange environment you can easily make a backup of all your PST files (close Outlook first!) You can find them under the user profile but you may have to search for *.pst as different versions of the Operating system put the files in different places(c:\documents and settin...
by Tom_T
Mon Mar 10, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Backing up Microsoft Outlook 2010 on local machine
Replies: 9
Views: 387

Re: Anti-virus for Mac?

Apple explains Mac security. This might be helpful if you're trying to decide.

http://www.apple.com/osx/what-is/security.html
by Tom_T
Sun Mar 09, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3584

Re: The dealership wants my 2 year old car back?

Yeah, I get these letters a lot from the Honda dealer, because they claim to have a shortage of "quality used cars", and wouldn't I just love to get a good deal on a trade-in on my 2008 Civic? They say will be very generous. :)
by Tom_T
Thu Mar 06, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: The dealership wants my 2 year old car back?
Replies: 46
Views: 4276

Re: LifeLock

See this thread from last year for some thoughts:

viewtopic.php?f=2&t=112146&p=1630891&hilit=lifelock#p1630891
by Tom_T
Thu Mar 06, 2014 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: LifeLock
Replies: 6
Views: 651

Re: The 4% rule is in trouble but rescue is on the way!

Under the method, a 60-year-old couple with $500,000 in savings and $50,000 in guaranteed annual income—from sources including Social Security, pensions and annuities—can afford to withdraw 5.4% of their account’s balance. If I already have a guaranteed income of 50K, then I can withdraw more than ...
by Tom_T
Wed Mar 05, 2014 12:59 pm
 
Forum: Investing - Theory, News & General
Topic: The 4% rule is in trouble but rescue is on the way!
Replies: 14
Views: 1969

Re: Cruel math [x% loss requires x+% gain to get even]

Market timers like to say scary things like "sell now, because if the price goes down 50%, you need a 100% gain to break even." 100 percent ? How is that ever going to happen?? More often than you might think, actually. Going back to the 1920s, there have been six times when the Dow double...
by Tom_T
Wed Feb 26, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Cruel math [x% loss requires x+% gain to get even]
Replies: 35
Views: 2803

Re: At what point should a 529 be on the table?

Option 2: Move new investible money into 529 plan. I'm a resident of NY so it comes with tax benefits on my state return. Is anyone familiar with how much benefit these is on your return if you're a fellow resident of NY and have done the numbers already? It's valuable because it's an above-the-lin...
by Tom_T
Mon Feb 24, 2014 11:33 am
 
Forum: Investing - Help with Personal Investments
Topic: At what point should a 529 be on the table?
Replies: 9
Views: 890

Re: opinions on this computer

For your purposes, it's perfectly fine. And the price is right.
by Tom_T
Fri Feb 21, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: opinions on this computer
Replies: 5
Views: 387

Re: Using Windows XP after 4/8 voids Vg's reimbursement pled

I don't know if it is that cut-and-dried. Having "up-to-date security " is nebulous when it comes to the operating system itself, and Vanguard does not specifically mention it. The browser and the security software play the biggest roles. Also, a hacker could hack into vanguard.com. That w...
by Tom_T
Thu Feb 20, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Using Windows XP after 4/8 voids Vg's reimbursement pledge
Replies: 33
Views: 1698

Re: Total Int. Stock % allocation?

From 1972-2013, International diversification made virtually no difference. Portfolio 1: Total US Stock Mkt Portfolio 2: Intl Stock Market http://s30.postimg.org/h1l96wqc1/2014_02_17_124117.png http://s11.postimg.org/a2z09m9qr/2014_02_17_124315.png Source: http://www.portfoliovisualizer.com All dep...
by Tom_T
Mon Feb 17, 2014 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Int. Stock % allocation?
Replies: 46
Views: 2988

Re: Optimal Number of Mutual Funds

abuss368 wrote:Incorrect. The only "thing" that should matter to investors is what works for them!

[OT comment removed by admin LadyGeek]
by Tom_T
Sun Feb 16, 2014 8:34 am
 
Forum: Investing - Theory, News & General
Topic: Optimal Number of Mutual Funds
Replies: 78
Views: 3654

Re: What are your favorite browser extensions?

Adblock generally only blocks ads on websites where the creators haven't spent the time to find particularly relevant ads for their viewers. Have a look at Whitecoat Investor and even with an adblocker running all the ads show up because they were selected by a human and not by a Google/Yahoo algor...
by Tom_T
Fri Feb 14, 2014 2:46 pm
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1694

Re: What are your favorite browser extensions?

Don't install AdBlock plus. Web sites rely on income generated from advertisements to stay alive. I don't want to see ads. They are often intrusive and resource-hogging. They can also be security risks. If the site can't survive without throwing ads in my face, that's their problem, not mine. They ...
by Tom_T
Fri Feb 14, 2014 11:39 am
 
Forum: Personal Consumer Issues
Topic: What are your favorite browser extensions?
Replies: 35
Views: 1694

Re: Are REITs still overvalued, as they were in 2013?

The Vanguard REIT fund had a negative total return in Q2, Q3, and Q4 2013. If REITs are overvalued, they are still at better prices than a year ago.
by Tom_T
Thu Feb 13, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are REITs still overvalued, as they were in 2013?
Replies: 44
Views: 3344

Re: I think rolling over 401ks to IRAs is often a bad decisi

If I could move my 401K to my Vanguard IRA, I'd do so in a heartbeat.
by Tom_T
Thu Feb 13, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: I think rolling over 401ks to IRAs is often a bad decision
Replies: 56
Views: 4930

Re: I'm feeling old today

You want to feel old?

Remember the movie "Back to the Future"? Marty McFly goes way back to 1955, to a world that seems alien to him.

If that movie were made today, and Marty went back the same number of years, he'd be going back to... 1984. Doesn't seem so long ago, now does it?
by Tom_T
Tue Feb 11, 2014 1:30 pm
 
Forum: Personal Consumer Issues
Topic: I'm feeling old today
Replies: 97
Views: 6645

Re: Would you overweight total bonds to get into Admiral sha

I don't think it's a big deal to make the switch.
by Tom_T
Mon Feb 10, 2014 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Would you overweight to get into Admiral shares?
Replies: 28
Views: 2069

Re: "If your parents died early, will you die early too?"

Seems like a flawed study. 4,000 sons over a period of 154 years, chosen by "uncommon surname", all rolled up into a single correlation? I wouldn't make any decisions one way or the other based on it.
by Tom_T
Thu Feb 06, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3150

[Fake Intuit software reseller site] -- Real or Fake?

If you look at the "About Us" page, they say or imply that [(removed) --admin LadyGeek] is associated with, or will be associated with, with Office Depot. And yet, if you Google those two names together, you will find absolutely no news releases, nothing on the Office Depot or OfficeMax si...
by Tom_T
Thu Feb 06, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: [Fake Intuit software reseller site] -- Real or Fake?
Replies: 10
Views: 1053

Re: Investigating opening 529 and how to set asset allocatio

I don't think that 15% bonds is substantial. They add diversification that shouldn't have a huge impact on my total return (85%/15% stock/bonds compared to 100% stock) and in a down market will allow me to rebalance and buy stocks low. As previous posts mentioned, all 529 plans allow you to rebalan...
by Tom_T
Wed Feb 05, 2014 3:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investigating opening 529 and how to set asset allocation
Replies: 8
Views: 546

Re: Tell me I did the right thing

Agreed. Don't beat yourself up. You discovered all this "found money", and you took it. You made 20% in the market, and you lightened your exposure to one company's fortunes. What if the earnings reports was bad, and the stock tanked? There are always surprises, both good and bad, when it ...
by Tom_T
Mon Feb 03, 2014 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Tell me I did the right thing
Replies: 23
Views: 2883
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