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Re: Retiring June 2015 - Fed Rate Increase

If you roll over to the same allocation you had in the 401K, the effect is entirely neutral. Unless the market happens to move in the time it takes to do the transfer, and there's no way to predict that.
by telemark
Mon Mar 30, 2015 2:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiring June 2015 - Fed Rate Increase
Replies: 4
Views: 443

Re: Does rebalancing make sense for guaranteed assets?

telemark, your comment is interesting. Do you think that the bond index has a bigger chance of being less than 3.10% vs. more than 3.10% in the next year? No, not really. I was just expressing jealousy at anyone being able to get that rate in a fixed account. There's a long thread on the subject so...
by telemark
Sat Mar 28, 2015 9:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does rebalancing make sense for guaranteed assets?
Replies: 8
Views: 741

Re: Does rebalancing make sense for guaranteed assets?

It isn't crazy. You're rebalancing to manage risk, and there is some risk in the bond market, although not very much. Seems unlikely to make much difference either way. If I could get 3% guaranteed, I'd be tempted to put as much of my bond allocation into that as I could, but that's a different ques...
by telemark
Sat Mar 28, 2015 7:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does rebalancing make sense for guaranteed assets?
Replies: 8
Views: 741

Re: Bonds: Bernstein vs. Swedroe and Ferri

In retirement I think Bill hit the right note. Bottom up approach i.e. what is the funding I need each year from my nest egg. Keep 20-25 years worth "safe". Do what you want with the excess. Makes more sense than trying to figure out your risk tolerance and translating that into a top dow...
by telemark
Fri Mar 27, 2015 4:44 am
 
Forum: Investing - Theory, News & General
Topic: Bonds: Bernstein vs. Swedroe and Ferri
Replies: 96
Views: 10385

Re: "Looming Crisis" in Corporate Bond Fund Liquidity

Memo: new scare word To: bond bears everywhere Blandly referring to "the current rising-rate environment" as if it were an established fact has gotten old now, especially with people noticing that it didn't actually happen. Henceforward all fables stories about rising interest rates will i...
by telemark
Thu Mar 26, 2015 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: "Looming Crisis" in Corporate Bond Fund Liquidity
Replies: 16
Views: 2593

Re: Need a new sub-forum for guns?

Most of us, with some exceptions, use computers to manage our investments, if not to play with spreadsheets then at least to connect to web sites at Vanguard and elsewhere. Using a computer is nearly a requirement for investing these days, so talking about them on an investment forum naturally follo...
by telemark
Sat Mar 21, 2015 4:41 pm
 
Forum: Forum Issues and Administration
Topic: Need a new sub-forum for guns?
Replies: 17
Views: 1587

Re: Automatic refresh

I just noticed that this is no longer happening to me, using Firefox 36.0.1 on Linux. My most recent FIrefox update was on March 10. I didn't notice exactly when it stopped.
by telemark
Fri Mar 20, 2015 8:36 pm
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 22
Views: 1479

Re: Cryptocurrency

the process, banks, and costs involved in every point of sale credit card transaction. The amount of money earned by banks in the middle of these transactions is staggering. The key phrase here is "point of sale." I can pull a credit card out of my wallet and use it to buy something almos...
by telemark
Fri Mar 20, 2015 4:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cryptocurrency
Replies: 8
Views: 959

Re: New washing machine won't fit down basement steps.

Sheepdog wrote:Or buy 2 washers to increase capacity...one white....one color. :shock:

Actually not a bad idea, since you can run multiple loads and possibly finish sooner. The laundry room in my condo has two machines and I find this very handy.
by telemark
Fri Mar 20, 2015 4:08 pm
 
Forum: Personal Consumer Issues
Topic: New washing machine won't fit down basement steps.
Replies: 32
Views: 2895

Re: Anyone concerned about their bond holdings?

I'm concerned that I don't hold enough bonds, so I go on buying them as fast as I can. Except when stocks happen to be on sale.
by telemark
Fri Mar 20, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 5663

Re: IBonds - now or later in the year?

I bought my 2015 allocation in January, not seeing any point in trying to outguess the Treasury. The sooner you buy, the sooner you get past the twelve-month waiting period before you can access the money again. To put it another way, to me the main benefits of I bonds are safety and liquidity. A fe...
by telemark
Fri Mar 20, 2015 10:28 am
 
Forum: Investing - Theory, News & General
Topic: I Bonds - now or later in the year?
Replies: 38
Views: 3047

Re: When will / did you claim Social Security benefits?

ObliviousInvestor wrote:You cannot suspend until you reach your full retirement age.

Ah, thank you. I wondered why more people weren't planning to do that...
by telemark
Thu Mar 19, 2015 2:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9885

Re: Qualms about Market Predictions

I predict that most of these predictions will turn out to be wildly wrong. No disrespect to anyone involved, it's just that predicting is so hard that no one does well at it. Also note that Bernstein is talking about expected return in the statistical sense, the weighted average of all possible outc...
by telemark
Thu Mar 19, 2015 10:41 am
 
Forum: Investing - Theory, News & General
Topic: Qualms about Market Predictions
Replies: 15
Views: 998

Re: When will / did you claim Social Security benefits?

I plan to file and suspend at 62, and then play it by ear. The actual time will depend on the the state of the market, the state of my health, and maybe how many of my friends I see dying.
by telemark
Thu Mar 19, 2015 10:31 am
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 141
Views: 9885

Re: Will you buy an Apple Watch?

No iphone = iwatch wasnt made for you. No ipad, but you have a surface and lenovo. I doubt you are apple's target customer. I understand now that you dont see the benefits - you are mostly a windows/lenovo/android user. If you get back into an iphone then maybe that would be the time to consider th...
by telemark
Sat Mar 14, 2015 4:40 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17812

Re: Will you buy an Apple Watch?

pretty much everything they do is proprietary right down to the screws and screwdrivers used with their product. So if you buy an iMac and something goes wrong with it you can't even attempt to fix it yourself. No, you have to bring it into an official Apple store, be condescended to buy an Apple &...
by telemark
Sat Mar 14, 2015 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 329
Views: 17812

Re: Adding REITs to Roth?

You may want to look at this thread, but my guess is that this only applies to MLPs and that VGSLX (Vanguard REIT index fund) is not a MLP (Master Limited Partnership).

Disclosure: I own VGSLX in my Roth IRA and have never worried about it.
by telemark
Sat Mar 14, 2015 11:55 am
 
Forum: Investing - Help with Personal Investments
Topic: Adding REITs to Roth?
Replies: 2
Views: 496

Re: 401(K) Bond Options

My instinct would be to go with WFBIX because of the lower expense ratio, but you raise an interesting question. Turnover is normal for a bond fund, because bonds are continually maturing and needing to be replaced, but over 400% seems unusually high. I notice that the total assets for WFBIX are abo...
by telemark
Tue Mar 10, 2015 2:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(K) Bond Options
Replies: 4
Views: 317

Re: Bernstein: 2% investment returns over next 20 years

Well, if he's right I'll have to lower my sights considerably. Now please excuse me while I go curl into a ball and start chanting "nobody knows nuthin'".
by telemark
Mon Mar 09, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: 2% investment returns over next 20 years
Replies: 216
Views: 22906

Re: Best Classical Music Box Sets?

The Bernstein collection looks incredible! Lots of great stuff. The only advise I would give folks is this covers MANY different periods and style of music so I wouldn't spend the $200+ unless you are open to a very wide variety of classical music or are sure you will like a number of the various c...
by telemark
Mon Mar 09, 2015 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 1997

Re: Best Classical Music Box Sets?

I use Spotify but find it cumbersome (and dangerous) to use in my car through bluetooth. It is far easier to load music on to an iPod and then select tracks through the central display. That makes sense to me. Buying by conductor will get you different performances, but some overlap in the standard...
by telemark
Mon Mar 09, 2015 11:44 am
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 1997

Re: Best Classical Music Box Sets?

Overlapping isn't necessarily a bad thing; one of the great things about music, in any genre, is the way different performers will approach the same work. But I agree with Petrocelli that if your intent is to explore the internet is your best friend, both the streaming services and the many radio st...
by telemark
Sun Mar 08, 2015 3:59 pm
 
Forum: Personal Consumer Issues
Topic: Best Classical Music Box Sets?
Replies: 29
Views: 1997

Re: Wait till June Fed meeting before adding to VBTLX?

My feeling is that the market has already overreacted to a faint hint that someday rates might go up a bit, possibly, and that now is therefore a good time to buy. But some feel that my feelings are only feelings :D
by telemark
Sat Mar 07, 2015 6:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wait till June Fed meeting before adding to VBTLX?
Replies: 17
Views: 1144

Re: Time of Use Electrical Rates

This is a high school algebra problem. x * 28 + (1 - x) * 7.3 = 10.3 x * 28 + 7.3 - x * 7.3 = 10.3 x * 28 - x * 7.3 = 3 x * (28 - 7.3) = 3 x = 3 / 20.7 x = 0.145 If I did that right, to break even you have to find 14.5% or more of your total use that you can shift away from those hours. It might be ...
by telemark
Sat Mar 07, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Time of Use Electrical Rates
Replies: 22
Views: 1453

Re: Bonds, REITs, Utilities, Commodities and Stocks down - W

Friday was when my latest 401k contribution hit, and I had it all directed to REIT anyway. Score :mrgreen: It does show how eager people are to believe in rising interest rates. EDIT: oh, and to answer the original question, my I bonds didn't drop a bit. Not sure if I consider them an investment, th...
by telemark
Sat Mar 07, 2015 10:00 am
 
Forum: Investing - Help with Personal Investments
Topic: Bonds, REITs, Utilities, Commodities and Stocks down - Wow
Replies: 66
Views: 4295

Re: How do you decide when to buy car?

The last few times for me have been when the car was in an accident and the insurance company decided not to repair it. But I wouldn't recommend that as a general rule.
by telemark
Fri Mar 06, 2015 1:26 am
 
Forum: Personal Consumer Issues
Topic: How do you decide when to buy car?
Replies: 50
Views: 3311

Re: FREAK: a new SSL/TLS security hole

jchef wrote:So if you are extremely security conscious and like to log into a lot of financial sites on your Android device, you may want to consider switching to Firefox.

Already did that so I can run AdBlock :happy
by telemark
Wed Mar 04, 2015 8:24 pm
 
Forum: Personal Consumer Issues
Topic: FREAK: a new SSL/TLS security hole
Replies: 4
Views: 674

Re: New 401k - Fund choices and allocation across accounts

You have some decent choices here. If you want to approximate a three fund portfolio, these are the funds I would use: US stocks: mix these to approximate market weights Transamerica Partners Stock Index Ret Acct - 0.27%, Benchmark Russell 1000 SSgA S&P Mid Cap Index Ret Acct - 0.33%, Benchmark ...
by telemark
Wed Mar 04, 2015 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - Fund choices and allocation across accounts
Replies: 12
Views: 752

Re: Turbotax 2014: Buyer Beware

This type of Rube Goldberg work around does not speak highly of TT developers. Sending stuff across the web to get it to a local printer suggests an ethos of "get it done" rather than "get it right". Barely competent developers are always a security threat. They've earned ridicu...
by telemark
Tue Mar 03, 2015 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7634

Re: Yale U Unconventional -----question on intl. stock holdi

This post states that VG total international stock is basically the same as 15% in Developed market index funds and 5% Emerging markets. Is this true? If "basically the same" is taken to mean roughly equivalent for investing purposes, then yes. I don't think those are the exact proportion...
by telemark
Mon Mar 02, 2015 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Yale U Unconventional -----question on intl. stock holdings
Replies: 5
Views: 719

Re: You and Your Dumb Money

Oh yes, the "Great Rotation." I'd forgotten about that. Perhaps because that column is two years old now.
by telemark
Sun Mar 01, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: You and Your Dumb Money
Replies: 17
Views: 3301

Re: Turbotax 2014: Buyer Beware

Since they can't distribute the 3rd party library they need, either they are sending your data or they are making an api call to make use of the library. Either way, they are using the security they have set up for online filing. But why did they need a 3rd party library just to print or make a PDF...
by telemark
Sun Mar 01, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7634

Re: Turbotax 2014: Buyer Beware

Any theory that involves Intuit deliberately spying on its customers would have to explain why it is only Macintosh customers, and only this year. To me it makes more sense to blame the App Store: Apple has something of a reputation for surprising developers with new rules for the App Store, and if ...
by telemark
Sun Mar 01, 2015 7:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7634

Re: Not "Staying the Course"

NeutrinoPerson wrote:Is there anything wrong, per se, with going all-domestic? Defensible?

It's defensible if you can stick with it. What if in 2019 international stocks have a great year and return 35%? Would you be tempted to get back in?
by telemark
Fri Feb 27, 2015 5:44 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4886

Re: Not "Staying the Course"

I got out of Templeton Global Bonds (TGBAX) in my 401K in January. I've been on the fence about it for several years, but that plan doesn't have any bond funds I actually like. What finally tipped me over was reading that TGBAX has large holdings in Ukrainian bonds. My first thought was "bold m...
by telemark
Fri Feb 27, 2015 4:40 pm
 
Forum: Investing - Theory, News & General
Topic: Not "Staying the Course"
Replies: 40
Views: 4886

Re: Turbotax 2014: Buyer Beware

I believe this particular issue exists ONLY for Macintosh users of Turbotax. If your PC is a Windows machine, this problem would not apply to you. Here is a Forbes article discussing it: http://www.forbes.com/sites/kellyphillipserb/2015/02/19/intuit-apple-have-changed-the-rules-for-turbotax-users/ ...
by telemark
Fri Feb 27, 2015 8:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax 2014: Buyer Beware
Replies: 73
Views: 7634

Re: Is it actually impossible to time market crashes?

Word on the street is that the Great Crash of 2016 is coming. http://www.marketwatch.com/story/stock-market-crash-of-2016-the-countdown-begins-2015-02-25 It will definitely be more actionable to focus on that... See also http://www.marketwatch.com/story/crash-of-2014-like-1929-youll-never-hear-it-c...
by telemark
Thu Feb 26, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Is it actually impossible to time market crashes?
Replies: 56
Views: 3119

Re: [Heads up: Lenovo PC security compromised, thanks to adw

Adware like this is also a prime reason I suggest people to use a VPN, certainly more so when they travel or use ANY public wi-fi. Which reminds me of the frog dude here saying... "there's no extra security benefit to a VPN over using an SSL connection." Except in this prime example where...
by telemark
Wed Feb 25, 2015 11:18 pm
 
Forum: Personal Consumer Issues
Topic: [Heads up: Lenovo PC security compromised, thanks to adware]
Replies: 51
Views: 4936

Re: Is the first 100k really the hardest?

At some point the returns on the money you already have invested start to exceed the new money you are adding. The exact amount will depend on the market and on your savings rate.
by telemark
Wed Feb 25, 2015 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the first 100k really the hardest?
Replies: 58
Views: 9149

Re: What age do you guys plan to retire?

60 at the earliest, barring unforeseen events. I started paying into Social Security at 25, so that will give me the requisite 35 years, and I'll be old enough to start tapping my retirement accounts. If necessary, I could retire now at 55, but not at the income level to which I would like to become...
by telemark
Tue Feb 24, 2015 6:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What age do you guys plan to retire?
Replies: 143
Views: 8873

Re: help me speed up my computer

And just to reiterate what has already been said: always identify the problem first. You can spend a lot of time and money fixing the wrong things, and even a brand new computer won't fix a bad network.
by telemark
Tue Feb 24, 2015 3:55 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3779

Re: Value investing doesn't even beat the S&P 500

Ironic. If you believe in the idea behind value investing, a period of underperformance is exactly when you would want to buy more.
by telemark
Mon Feb 23, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Value investing doesn't even beat the S&P 500
Replies: 55
Views: 5641

Re: help me speed up my computer

First, I checked my hard drive. It has 75% of its space available so I think that's not the issue - is this what folks mean when they say, "you have have at least 10% free on your boot disk?" I agree, this is not the issue. I confirmed I have 6 GB DDR RAM memory, which seems adequate. May...
by telemark
Sun Feb 22, 2015 1:22 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3779

Re: help me speed up my computer

Before doing a reinstall, try the simple stuff first. This reminds me of when I used HP laptops and called the idiots customer support people in India or wherever they were. After waiting on the phone for a couple of hours, no matter what I said was wrong, their solution was always to do a reinstal...
by telemark
Sat Feb 21, 2015 3:16 pm
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3779

Re: Is is OK to directly download 1099's in TurbTax?

No more dangerous, in my opinion, than connecting to your bank through the Web to look up the same information: it essentially follows the same process. I can't prove that TurboTax doesn't store your password, but there's no technical reason why they would need to.
by telemark
Sat Feb 21, 2015 3:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is is OK to directly download 1099's in TurbTax?
Replies: 9
Views: 762

Re: help me speed up my computer

PCs can slow down for lots of different reasons. The last time my PC at work got really slow it turned out that the hard drive was 95% used. I got rid of some old files and it went back to normal. The way to check this is to right click on the icon for the C: drive and select Properties. If that isn...
by telemark
Sat Feb 21, 2015 10:11 am
 
Forum: Personal Consumer Issues
Topic: help me speed up my computer
Replies: 67
Views: 3779

Re: Automatic refresh

If you have nodejs on your computer, you see what headers the server is sending with var https = require("https"); https.get("https://www.bogleheads.org", function(res) { console.log("Got response: " + res.statusCode); console.log('HEADERS: ' + JSON.stringify(res.header...
by telemark
Fri Feb 20, 2015 11:58 am
 
Forum: Forum Issues and Administration
Topic: Automatic refresh
Replies: 22
Views: 1479

Re: Two Hedge Fund Managers Walk into a Bar...

You've got to love a metric that can't actually be measured.
by telemark
Fri Feb 20, 2015 9:25 am
 
Forum: Investing - Theory, News & General
Topic: Two Hedge Fund Managers Walk into a Bar...
Replies: 10
Views: 1784

Re: Risk of Rebalancing

Once you have enough in bonds you can do whatever you like with the rest. Some people say "why take a chance?" and put everything in bonds. Others say "why not take a chance?" and put it in stocks instead. Both are reasonable choices. Personally I don't expect to reach that point...
by telemark
Fri Feb 20, 2015 8:00 am
 
Forum: Investing - Theory, News & General
Topic: Risk of Rebalancing
Replies: 63
Views: 3932

Re: Poll: Largest fraudulent charge to your credit card(s)?

No fraudulent charges. I only have one credit card and routinely use cash for small transactions, so it must be pure luck.
by telemark
Fri Feb 20, 2015 5:29 am
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2560
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