Search found 1326 matches

Return to advanced search

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: 2244

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: 393

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: 6976

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: 5122

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: 2918

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: 7691

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: 3725

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: 1794

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: 3401

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: 3401

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: 3401

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: 2606

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: 4739

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: 1132

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: 1820

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: 527

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: 527

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: 1868

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: 1790

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: 4739

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: 17181

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: 4
Views: 693

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: 658

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: 2588

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: 13073

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: 2862

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: 2862

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: 47718

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: 14922

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: 11033

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: 1130

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: 4289

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: 5243

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: 2249

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: 2249

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: 4289

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: 63
Views: 4864

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: 5311

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: 5311

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: 5311

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: 5311

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: 5311

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: 381

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: 1379

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: 859

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: 13790

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: 78
Views: 6707

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: 1254

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: 9163

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: 9163
Next

Return to advanced search