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Re: Help with 401k fund selection and overall portfolio

For approximating Total Stock Market, see the wiki entry . For international stock I would use the SSgA EAFE Index Fund. This is developed markets only: for some discussion of that see this thread . All of the bond funds are too expensive for my taste. I would use some mix of Amer Cent Infl-Adjust B...
by telemark
Fri Oct 31, 2014 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with 401k fund selection and overall portfolio
Replies: 8
Views: 378

Re: Good active funds to use in 401ks w/o index funds?

One needs to be careful with e/r and turnover criteria. Reducing the e/r by 50% starting at 100 bps gets you 50 bps but that same 50% reduction starting at 50 bps only gets you 25 bps. If you start making decisions based on the difference between an e/r of 0.10 and 0.20 you are kidding yourself. In...
by telemark
Thu Oct 30, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 11
Views: 937

Re: Good active funds to use in 401ks w/o index funds?

You already mentioned expense ratio and turnover, but those are the first things I consider and they're usually enough to narrow the field to one or two obvious winners. For bond funds I also look at the standard deviation. Sometimes a fund that sounds conservative turns out to be risky, and vice ve...
by telemark
Thu Oct 30, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Good active funds to use in 401ks w/o index funds?
Replies: 11
Views: 937

Re: Getting another key made for my car

On the positive side, car theft is down, and people are crediting more secure keys and locking systems.
http://www.nytimes.com/2014/08/12/upsho ... shion.html
http://www.startribune.com/local/minnea ... 62931.html
by telemark
Thu Oct 30, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Getting another key made for my car
Replies: 50
Views: 5438

Re: Lightweight Electric Blanket.

Related threads here and here.
by telemark
Tue Oct 28, 2014 8:12 am
 
Forum: Personal Consumer Issues
Topic: Lightweight Electric Blanket.
Replies: 8
Views: 941

Re: Buying CDs with locked credit

It depends on the bank, and the ones that do pull your report may be secretive about it. Ally in particular is known for requiring a credit score before you can buy CDs or open a savings account. You may just have to apply and see what happens.
by telemark
Mon Oct 27, 2014 11:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying CDs with locked credit
Replies: 5
Views: 685

Re: Apple Pay, Google Wallet, credit, and us

I have a transit pass that works with NFC, and that's a huge time saver just when I need it most, running to catch a train. At the checkout counter I don't see much room for improvement. By the time I've stood in line and waited for the cashier to ring up all the items, I usually have my wallet out ...
by telemark
Mon Oct 27, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Apple Pay, Google Wallet, credit, and us
Replies: 79
Views: 6150

Re: LASTPASS Password Program

Lastpass is great. It's amazing what you can learn when, instead of bloviating, you read the manual: https://helpdesk.lastpass.com/getting-started/introduction/why-is-lastpass-safe/ Are we to believe that none of the systems that were breached took these measures? The important point is this: encry...
by telemark
Fri Oct 24, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4314

Re: Lower Expenses vs Consolidation

I absolutely would not roll a good 401K into a more expensive one. If you want to consolidate, roll it into an IRA or wait until you have a good 401K.
by telemark
Fri Oct 24, 2014 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lower Expenses vs Consolidation
Replies: 7
Views: 977

Re: LASTPASS Password Program

There are good reasons why we can expect companies like LastPass to have better security than companies like Target. At Target, security is an annoying cost of doing business. It produces no revenue and pulls money from the bottom line, so the tendency is always to spend as little as they can get aw...
by telemark
Fri Oct 24, 2014 3:28 pm
 
Forum: Personal Consumer Issues
Topic: LASTPASS Password Program
Replies: 46
Views: 4314

Re: Would you consider this a conservative portfolio?

I own some TGBAX in my current 401k, allocated as 25% of the bond portion. I would never consider using it for all of my bond allocation: too much manager risk, and international bonds are questionable anyway due to currency risk and the costs of hedging it. If I ever reorganize my portfolio, I'll p...
by telemark
Thu Oct 23, 2014 10:38 am
 
Forum: Investing - Theory, News & General
Topic: Would you consider this a conservative portfolio?
Replies: 6
Views: 477

Re: Forbes Article On Active vs Passive Investing

Method 2, Asset Class balancing, is exactly what most of us do here.
by telemark
Wed Oct 22, 2014 3:43 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes Article On Active vs Passive Investing
Replies: 35
Views: 3862

Re: Windows XP

I do not possess any of your personal data. Nor do I wish to. If your computer is successfully attacked by someone other than me (by using my computer), it would seem to me that it is your computer that is not secure. A denial of service attack isn't something that can be blamed on the victim: it c...
by telemark
Wed Oct 22, 2014 3:26 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 62
Views: 2960

Re: What Book Are You Currently Reading? Part VI

nisiprius wrote:"Ornamental daggers fashioned out of Chinese coins strung together?" What on earth were those? Surprisingly hard to find on the Internet.

I assume they mean one of these: http://www.britishmuseum.org/explore/highlights/highlight_objects/cm/c/coin_sword.aspx
by telemark
Tue Oct 21, 2014 3:09 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 136
Views: 9856

Re: Is it possible to have a favorite movie

My favorite screen adaptation is Tom Jones (Albert Finney and Susannah York), particularly brilliant in capturing the spirit and "tone of voice" as I experienced them, without adhering particularly to the plot. LOVE the fox hunt sequence. My wife hates the movie and if I'm going to watch ...
by telemark
Tue Oct 21, 2014 10:35 am
 
Forum: Personal Consumer Issues
Topic: Is it possible to have a favorite movie
Replies: 82
Views: 3195

Re: RMD for my mom

I would look at buying Total Stock Market in taxable and holding bonds or cash in the TSP. See the wiki entry Placing cash needs in a tax-advantaged account for details on this strategy. When you hold stocks in the TSP the gains are taxable as income, but in a taxable account they should be mostly t...
by telemark
Mon Oct 20, 2014 9:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD for my mom
Replies: 2
Views: 356

Re: Thoughts on Paul Merriman's Portfolio

Yes, he does stick to mostly non-volatile bonds because he feels you take enough risk on the stock side and bonds are there to provide safety, liquidity & dry powder in case of a market debacle. The % of bonds is a personal decision based on a person's risk tollerance and their ability to withs...
by telemark
Sun Oct 19, 2014 9:20 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2290

Re: Treat all accts as 1 BIG account for AA or target 70/30

I've seen comments in the past insisting that you MUST treat everything as one portfolio because it's the only rational approach and we should always be rational. On the other hand, when people complain about what a nightmare rebalancing is, it usually turns out that they have a lot of accounts and ...
by telemark
Sun Oct 19, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Treat all accts as 1 BIG account for AA or target 70/30 each
Replies: 7
Views: 894

Re: Thoughts on Paul Merriman's Portfolio

I own the tax-managed version of that in a taxable account at Vanguard, stocks only so eight funds in all. I rebalance occasionally with new money and haven't noticed any difficulties in doing that. The slices are mostly equal so you don't even need a spreadsheet. If I had it to do over I'd probably...
by telemark
Sun Oct 19, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on Paul Merriman's Portfolio
Replies: 38
Views: 2290

Re: Upgraded to OS X 10.10 Yosemite

I really wish these computer companies would leave things alone for a while. I'm a Mac user, but don't use most of the new features that seem to come and go with all these OS changes and which can have the effect of making some programs stop working. Are consumers really demanding these things? Tha...
by telemark
Sun Oct 19, 2014 6:08 am
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 37
Views: 4009

Re: Turning off automatic suggestions for websites in browse

On the menu, select Tools->Options, then choose the Privacy tab on the top of the dialog. Change the Location Bar setting to Nothing.
https://support.mozilla.org/en-US/questions/928166
by telemark
Fri Oct 17, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Turning off automatic suggestions for websites in browser?
Replies: 2
Views: 374

Re: What happened to the audiophile?[High quality music sour

I saw a movie once, I don't remember the name now, set in Hong Kong, about some immigrants from mainland China and what happened to them. One of their schemes to get rich involved importing cassette tapes with, I think, folk songs or pop songs. It failed and they lost all their money: lots of people...
by telemark
Wed Oct 15, 2014 10:27 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3744

Re: What happened to the audiophile?[High quality music sour

On the “low end” of higher resolution music (CD lossless, 44.1kHz/16 bit), PonoMusic files have about 6 times more musical information than a typical mp3. With ultra-high resolution recordings (192kHz/24 bit), the difference between a PonoMusic digital file and an mp3 is about 30 times more data fr...
by telemark
Wed Oct 15, 2014 8:14 pm
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3744

Re: Security Alert

Correction to my previous comment. It's a MITM attack. A fake hotspot is the easiest way to do this, but it could also happen through almost any connection, though it isn't likely. In Firefox you can type about:config, find the entry for security.tls.version.min, and change that from 0 to 1. Any val...
by telemark
Wed Oct 15, 2014 3:02 pm
 
Forum: Personal Consumer Issues
Topic: Security Alert [SSL "Poodle" attack]
Replies: 9
Views: 1107

Re: Security Alert

2bitwise wrote:I don't know if this means just WIFI or also your ISP.

The firewall on your router should protect you from other users on your ISP. Assuming you have it turned on, of course.

EDIT to correct: this is not true. See following messages for details.
by telemark
Wed Oct 15, 2014 1:43 pm
 
Forum: Personal Consumer Issues
Topic: Security Alert [SSL "Poodle" attack]
Replies: 9
Views: 1107

Re: What happened to the audiophile?

Try a double blind test sometime. It might come as a surprise how hard it is to tell a good compressed file from its master when you're not told which is which, even with really good headphones let alone speakers. And after that, convenience wins. Key word here is "good". MP3s compressed ...
by telemark
Wed Oct 15, 2014 12:51 am
 
Forum: Personal Consumer Issues
Topic: What happened to the audiophile?[High quality music sources]
Replies: 71
Views: 3744

Re: Want to Convert Tape and Vinyl to Digital

Audacity runs on a MacBook AIr, and the headphone jack also works as a line in jack. See http://support.apple.com/kb/ht3625

I believe there are ways in Audacity to clean up noise, but I've never tried using them.
by telemark
Mon Oct 13, 2014 3:24 pm
 
Forum: Personal Consumer Issues
Topic: Want to Convert Tape and Vinyl to Digital
Replies: 23
Views: 983

Re: You may be getting charged rent for a router/modem you o

So don't blame Comcast if you get invalid charges on your bill. It's not their fault. They just have no idea what's going on. The problem with companies like Comcast is that they're assembled out of the parts of other dead companies. A little stitching, a jolt of electricity, and off they lurch to ...
by telemark
Sun Oct 12, 2014 4:05 pm
 
Forum: Personal Consumer Issues
Topic: You may be getting charged rent for a router/modem you own
Replies: 34
Views: 3572

Re: Please help go over my 401(k) options

Tricky question. Even in a large cap index, most of the dividends should be qualified and thus taxed at a lower rate. I don't know if it makes sense to pay a higher expense ratio in the 401K to avoid that. Also, I overlooked this thread the first time around, but in your situation I would also look ...
by telemark
Sun Oct 12, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help go over my 401(k) options
Replies: 15
Views: 1399

Re: Best solution for clouded auto headlight lens?

Also look for ways to park so the headlights are less exposed to direct sunlight.
by telemark
Sun Oct 12, 2014 2:13 pm
 
Forum: Personal Consumer Issues
Topic: Best solution for clouded auto headlight lens?
Replies: 31
Views: 2699

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

It's a market, kind of like the stock market. But not as efficient. Every share of XYZZY megacorp is interchangeable with every other share, but houses are mostly unique. And there are no high frequency traders or market makers. You can get a good deal on a house by being in the right place at the ...
by telemark
Sat Oct 11, 2014 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 7794

Re: Market corrections and rebalancing band

In the distribution phase you can partially rebalance with withdrawals. When stocks are up take withdrawals from stocks, when they're down withdraw from bonds instead. I'm still accumulating (and rebalancing with contributions), so I have no direct experience with this.
by telemark
Sat Oct 11, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4098

Re: Critically Acclaimed Movies you did not like

Which is to say I thought Indiana Jones might be the counterexample, but in fact it has a huge plot flaw, so I am hoisted on my own petard on that one . I thought Close Encounters was pretty good. I like Indiana Jones. In a classic example of confirmation bias I'd forgotten it was a Spielberg movie...
by telemark
Fri Oct 10, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: New tires, where to buy

I don't think tirerack is worth the effort for most tires for typical cars. Although I used to buy the least expensive tires, I'm not sure it's worth saving a couple of hundred dollars not to buy better tires, even for what you're currently planning to be just a year. It depends partly on the condi...
by telemark
Fri Oct 10, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: New tires, where to buy
Replies: 36
Views: 2618

Re: Market corrections and rebalancing band

This is contrary to the established wisdom, but I rebalance when I feel like it: I freely let my emotions dictate the decision. I justify this by saying that investing is about avoiding the big mistakes, and rebalancing at the wrong time is at worst a small mistake. I probably rebalance too often, b...
by telemark
Fri Oct 10, 2014 3:41 pm
 
Forum: Investing - Theory, News & General
Topic: Market corrections and rebalancing band
Replies: 71
Views: 4098

Re: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rat

Buffett is smart, but he isn't giving out investment advice out of the goodness of his heart. "Buffett, 84, whose Omaha, Nebraska-based company has units that build houses and make carpet, paint and bricks, reiterated today that he expects home building to pick up as the market rebounds from t...
by telemark
Fri Oct 10, 2014 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buffett Says ‘No-Brainer’ to Get a Mortgage to Short Rates
Replies: 77
Views: 9116

Re: Critically Acclaimed Movies you did not like

I'd probably be more fascinated by people revealing which movies are commonly considered absolute garbage but are nevertheless beloved. I'll go first: Billy Madison. The 1967 version of Casino Royale, the one with David Niven and Peter Sellers and John Huston and Ursula Andress and Orson Welles and...
by telemark
Fri Oct 10, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: Invested Windfall and Now Market Is Down

I saw this posted here before, should put you at ease... http://awealthofcommonsense.com/worlds-worst-market-timer/ It will all work out in the end. Nice story. I put $30,000 into a taxable account at Vanguard, my first taxable stock purchase, at the end of April in 2010... the week before the Flas...
by telemark
Thu Oct 09, 2014 6:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Invested Windfall and Now Market Is Down
Replies: 34
Views: 5002

Re: Is a fall in portfolio value "only on paper"?

At best, any particular valuation of assets is only an approximation. The market routinely overshoots and undershoots around its current price. Imagine that you are selling a house. The best offer you have today is $250,000. Tomorrow you accept an offer for $500,000 contingent on financing. That of...
by telemark
Thu Oct 09, 2014 6:12 pm
 
Forum: Investing - Theory, News & General
Topic: Is a fall in portfolio value "only on paper"?
Replies: 86
Views: 3720

Re: 401k plan choices

I think something else is going on. You should know that it does not cost anything to rebalance in most 401k plans. I also think that is too high to just be administrative costs - that would be 3% in addition to the expense ratios of the funds. That would be incredibly outrageous. Good catch, I had...
by telemark
Thu Oct 09, 2014 5:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 603

Re: I'm Chuck and I work at Vanguard and Invest in Active Fu

This is dumb... I worked at a hedge fund, and I can tell you the smartest guys are not at Vanguard, they are at a mega hedge fund. I don't want the smartest guys managing my money, I want the luckiest ones. But since I don't know who those will be, I'll settle for the ones who skim the least off th...
by telemark
Thu Oct 09, 2014 10:26 am
 
Forum: Investing - Theory, News & General
Topic: I'm Chuck and I work at Vanguard and Invest in Active Funds
Replies: 44
Views: 7794

Re: 401k plan choices

The costs from expense ratios are almost never reported anywhere, just quietly subtracted from the returns. What you are seeing is probably administrative fees for your plan, reported quarterly. There's nothing you can do about those, it's just a cost of being in the plan. However, I do think many o...
by telemark
Thu Oct 09, 2014 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k plan choices
Replies: 11
Views: 603

Re: Critically Acclaimed Movies you did not like

I'd probably be more fascinated by people revealing which movies are commonly considered absolute garbage but are nevertheless beloved. I'll go first: Billy Madison. The 1967 version of Casino Royale, the one with David Niven and Peter Sellers and John Huston and Ursula Andress and Orson Welles and...
by telemark
Wed Oct 08, 2014 10:09 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: Why Wouldn't You Tilt To Small Value?

The 10 largest holdings are conglomerates that are the equivalent of many smaller businesses. They should have MUCH more weighting than your local pizza place down the street. The top five holdings in VTSMX are Symbol % Assets YTD Return % AAPL 2.78 25.47 XOM 1.92 -6.25 MSFT 1.52 24.94 JNJ 1.32 16....
by telemark
Wed Oct 08, 2014 1:38 pm
 
Forum: Investing - Theory, News & General
Topic: Why Wouldn't You Tilt To Small Value?
Replies: 52
Views: 2945

Re: 401K fund choices, (advice)

As it happens, I own some TGBAX in my current 401K, but I've already reduced my allocation once and I've been wondering about getting rid of it entirely. It's a managed fund with no currency hedging, so you have currency risk and manager risk on top of the 0.61% expense ratio. If I had VBTLX availab...
by telemark
Wed Oct 08, 2014 1:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K fund choices, (advice)
Replies: 4
Views: 310

Re: Critically Acclaimed Movies you did not like

That's interesting; I've seen a few Bollywood films, that is films made in India, and a lot of them tend to project the same stereotypes. I'd say "Bride and Prejudice" is a notorious example; yes it's a knock-off of Pride and Prejudice; probably to evade copyright laws. Jane Austin is tho...
by telemark
Wed Oct 08, 2014 8:33 am
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: How high of 401k expenses can you tolerate?

As long as the company match is more than the yearly cost of the expenses, it's a simple decision: the fees may be high but the company is paying them for you. Not the best use for that money but nothing to walk away from either. I'm paying about $2500/year in fund expenses but the company match is ...
by telemark
Tue Oct 07, 2014 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: How high of 401k expenses can you tolerate?
Replies: 3
Views: 372

Re: Vanguard > Fidelity 401k & Should I Buy New Company's St

1. Can you please help me select new allocations for this new 401k? I intend to contribute at least 10k a year in it (probably the full 17.5k though) 15% VANG TOT BD MKT INST (VBTIX) Bond/Managed Income 0.07% 20% SPTN INTL INDEX INS (FSPNX) International 0.09% 65% VANG TOT STK MKT IS (VITSX) Large ...
by telemark
Tue Oct 07, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard > Fidelity 401k & Should I Buy New Company's Stock?
Replies: 5
Views: 433

Re: Critically Acclaimed Movies you did not like

I saw Gravity A friend of a friend of a high school classmate, who was an astronaut, commented "Perhaps the most egregious error is that when Sandra Bullock got out of her space suit, she would have been wearing a full set of long underwear (liquid cooling garment) instead of just a skimpy T s...
by telemark
Tue Oct 07, 2014 3:16 pm
 
Forum: Personal Consumer Issues
Topic: Critically Acclaimed Movies you did not like
Replies: 150
Views: 8273

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

the behavior of TIPS (red) seems unusual — during the financial crises, they were nearly as highly correlated with stocks as corporate bonds were. This may have been due to market liquidity problems with TIPS that were unique to that time, as I recall. That's the usual explanation and I have no rea...
by telemark
Tue Oct 07, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 987
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