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Re: Anyone use Fido as your bank?

There are no Fido banks in my area. Sometimes a fellow human being with a proximate tangible aura comes in handy. And even if there were a Fido bank in the vicinity, I'm not sure "fellow human being" would apply. -- Tet
by tetractys
Fri Jul 25, 2014 11:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone use Fido as your bank?
Replies: 11
Views: 1470

Re: POLL: Do you own corporate bonds?

Well... I selected TBM, but that's not very accurate. The accurate selection would be Intermediate Term Bond Index. And oh yea, I've been accumulating the Pimco Inter-term bond fund through work, which is not a TBM fund either. Frankly IMO, you love Vanguard too the point of supporting Vanguard's in...
by tetractys
Fri Jul 25, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Do you own corporate bonds?
Replies: 35
Views: 2087

Re: Anyone here flip houses?

My cousin fixes and flips houses. I only fix and flip pancakes and omelets. -- Tet
by tetractys
Mon Jul 14, 2014 1:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here flip houses?
Replies: 40
Views: 4617

Re: In a crash, will you re-balance to maintain your target

The rule I am committed to is to rebalance sensibly when an asset is out by 25% or when a major allocation is out by 5% (the 5/25 rule). In the past one or more of my individual assets have gone out 25% or more before my major allocations of international stocks, US stocks, or fixed income have gone...
by tetractys
Mon Jul 14, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: In a crash, will you re-balance to maintain your target AA?
Replies: 64
Views: 4151

Re: San Juan Islands

Our family used to vacation at Roche Harbor, San Juan Is. when we were kids. There were cabins, a swimming pool, lots of old boats to climb on, etc. I think it's changed a lot since then. The last time I was there the whole harbor was turning into a housing development. There used to be lots of eagl...
by tetractys
Thu Jul 10, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: San Juan Islands
Replies: 18
Views: 2215

Re: Roth ira distribution unreported to IRS.

Very simple: get the records/statements from your financial institutions and call the IRS for help on what they need. -- Tet
by tetractys
Wed Jul 09, 2014 8:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Roth ira distribution unreported to IRS.
Replies: 5
Views: 1068

Re: Limit Orders - How do you determine what limit to set?

For me it depends on how fast I want to make a purchase, since as an accumulator I'm largely buying. If I'm in no hurry, I'll look at the past 6 months or so and decide on what I believe is a good price for the GTC order, somewhere around the recent average, plus where I can add in an extra share. S...
by tetractys
Wed Jul 09, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: Limit Orders - How do you determine what limit to set?
Replies: 66
Views: 10914

Re: a close look at value and momentum

... With a full year of live data for QCELX we feel comfortable that the fund is able to execute the strategy well. Also we have been told that they are working on a lower cost version of the fund so might be down to 44bp Thanks Larry for disclosing your company's bold decision. For the time being ...
by tetractys
Wed Jul 09, 2014 3:50 pm
 
Forum: Investing - Theory, News & General
Topic: a close look at value and momentum
Replies: 259
Views: 17308

Re: Momentum funds

Bridgeway has a small cap MOM fund: < http://www.bridgeway.com/strategies/mutual-funds/omni/small-cap-momentum/overview/ > And generally, Bridgways commentaries are quite instructive. By their nature, I think MOM funds are going to have high turnover and consistently large distributions. This is bec...
by tetractys
Mon Jul 07, 2014 9:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Momentum funds
Replies: 11
Views: 1108

Re: I am looking to switch IP providers.

The best deals for routers are at your local computer recycling facility. -- Tet
by tetractys
Wed Jul 02, 2014 2:56 pm
 
Forum: Personal Consumer Issues
Topic: I am looking to switch IP providers.
Replies: 15
Views: 893

Re: burning 1 lb is how many calories?

Cheese is about as bad of a food fat and cholesterol wise as could be come by. You'd have to burn a good load of calories on other substances before you even get too the cheese! -- Tet
by tetractys
Wed Jul 02, 2014 2:51 pm
 
Forum: Personal Consumer Issues
Topic: burning 1 lb is how many calories?
Replies: 69
Views: 5608

Re: How risky is https: over public wi-fi?

Use your firewall and don't advertise your passwords. Wi Fi is a medium of transport, all things being equal no more or less secure than any other medium of transport. Typing P-A ....? No. Sometimes though, I have seen websites, and bank websites no less, that switched between https and http at secu...
by tetractys
Wed Jul 02, 2014 2:42 pm
 
Forum: Personal Consumer Issues
Topic: How risky is https: over public wi-fi?
Replies: 15
Views: 2332

Re: Intermediate TIPS fund

I think it's about the best intermediate TIPS fund out there. But if course, if apples don't suit you, get something else. -- Tet
by tetractys
Wed Jul 02, 2014 2:32 pm
 
Forum: Investing - Theory, News & General
Topic: Intermediate TIPS fund
Replies: 22
Views: 2584

Re: Dumb phone save hikers life

Dutch wrote:Maybe if he'd had a smart phone, he wouldn't have gotten lost in the first place :P

Ha ha, yea, he would have walked of a cliff while texting instead! he ha. -- Tet
by tetractys
Wed Jul 02, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Dumb phone save hikers life
Replies: 11
Views: 1753

Re: How are you doing through the first half of 2014?

Well, I'm around %75 stocks to %25 bonds. My ROI today for 2014 is %6.74. So I guess that's about %13 annualized. Why include contributions; what's that got to do with returns? I guess it shows how well one saves, and a penny saved is a penny earned, right? Still, I think it paints a distorted pictu...
by tetractys
Wed Jul 02, 2014 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: How are you doing through the first half of 2014?
Replies: 91
Views: 9350

Re: Any spreadsheets for tracking monthly?

I do mine quarterly. Monthly would use the same methods of course, but close to 3 times the work. I also aggregate all my accounts. Nevertheless, this has given me an exceptionally clear and detailed view of my investing progress over the long run. For the other stuff, net worth, liabilities, etc., ...
by tetractys
Tue Jul 01, 2014 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Any spreadsheets for tracking monthly?
Replies: 3
Views: 589

Re: Sidewalk - Fix whole? or Part?

I would just lift the upset pavers out and reset them. The plastic can be secured down if it's popping up. This is not very difficult and can be done in bits as the little unforeseen obstacles arise. Activities like this can be pleasant diversion, and a good way to engage kids, family or friends. --...
by tetractys
Tue Jul 01, 2014 1:39 pm
 
Forum: Personal Consumer Issues
Topic: Sidewalk - Fix whole? or Part?
Replies: 14
Views: 727

Re: beneficiary form trumps will

Here's something related: apparently it's possible to refer to one's will on at least some beneficiary forms -- http://finance.yahoo.com/news/man-s-mistake-cost-his-children--400-000-of-an-ira-inheritance-152712809.html -- Tet
by tetractys
Sat Jun 28, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: beneficiary form trumps will
Replies: 54
Views: 4101

Re: How I have won at craps

All this for a dubious past average of less than $10 per day?!!! How much of that went into other expenses?

I hope it was fun. -- Tet
by tetractys
Tue Jun 24, 2014 3:17 pm
 
Forum: Personal Consumer Issues
Topic: How I have won at craps
Replies: 20
Views: 2042

Re: Buy A New Windows Computer Now?

Maybe check your hard drive? If it's not showing any problems it probably isn't in any special danger of crashing--4 years of wear is not much for a desktop, a laptop maybe. And your backing up right? In that case swapping a hard drive is really minor anyway--sorry about your past experience. And fu...
by tetractys
Tue Jun 24, 2014 3:05 pm
 
Forum: Personal Consumer Issues
Topic: Buy A New Windows Computer Now?
Replies: 53
Views: 2854

Re: [Poll] If all active funds have ER= 0.05%, will you buy

If an active managed fund had an ER of %.05, then its investors would be gouged in some other, possibly heretofore unknown way. It would be a gimmick! So no, no, and no. -- Tet
by tetractys
Mon Jun 23, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] If all active funds have ER= 0.05%, will you buy any?
Replies: 55
Views: 2664

Re: synthetic motor oil?

Newer Subarus, after 2011 or so, need full synthetic because otherwise the timing advance mechanism, which has very tiny ports, will not function properly. -- Tet
by tetractys
Sat Jun 21, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: synthetic motor oil?
Replies: 17
Views: 1198

Re: Best Battery Charging Strategy

I also have a related question. According to specs, the battery in my laptop is good for 300 charging cycles. So does this mean that, everything else being equal, the less charging cycles the battery is put through the longer it will last? Because if that is so, then leaving the laptop plugged in of...
by tetractys
Sat Jun 21, 2014 2:06 pm
 
Forum: Personal Consumer Issues
Topic: Best Battery Charging Strategy
Replies: 20
Views: 1797

Re: Cost of car compared to Gross Income

My car, which is also the first new car I've ever bought, was a kind of investment. An exemption to the OP rule. It has allowed me to get to work at any hour on the moment, and without reliability and maintenance worries. In the beginning the payments were a killer though. -- Tet
by tetractys
Fri Jun 20, 2014 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Cost of car compared to Gross Income
Replies: 82
Views: 4606

Re: Why does Vanguard sit on your money for a week ?

Incomputero? What's that, some new expression? -- Tet
by tetractys
Fri Jun 20, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why does Vanguard sit on your money for a week ?
Replies: 14
Views: 1522

Re: [Poll] Have you taken any Investments course?

No formal courses. I'm a reader, so I've read bunches of books. A few seminars have served as mere curiosities. And then I've had arms length opportunities to learn from friends and acquaintances who have lived and worked in the markets in various ways. I came to the Bogleheads at the latter end of ...
by tetractys
Fri Jun 20, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Have you taken any Investments course?
Replies: 60
Views: 2842

Re: Expense Ratio - what's too high?

Luckily my plan has Vanguard Institutional with a %.04 E/R; but unluckily the only international stock fund is Oakmark at %1.02. I acquiesce since one's situation holds a lot of influence. And that changes with time. Not too long ago we all would have drooled over a %1 ER. -- Tet
by tetractys
Thu Jun 19, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2784

Re: [can you] shop at Costco [without a membership?]

You can look around without a membership; but you can't buy anything. Just ask. -- Tet
by tetractys
Tue Jun 17, 2014 4:43 pm
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 4841

Re: What Do You Eat For Snacks?

For a long lasting energy snack, I mix together thick cut oatmeal, peanuts, sunflower seeds, flaxseeds, and raisins. Oatmeal sounds dry; but it's soluble fiber, so if not chewed too fast it melts in your mouth. For a much better cereal than can ever be found in a box, let it soak in soy or regular m...
by tetractys
Fri Jun 13, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: What Do You Eat For Snacks?
Replies: 103
Views: 6274

Re: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40

It's a conjectural projection. That said, it is a projection of a positive real return, which is not a bad thing at all. And without reading WB's book, I would assume the overall message is to invest wisely, and not to take too much risk. -- Tet
by tetractys
Wed Jun 11, 2014 4:43 pm
 
Forum: Investing - Theory, News & General
Topic: Bernstein: A Decade of Super-Low Returns [1.4% for 60/40]
Replies: 207
Views: 17185

Re: Edward Jones came to my door

I would be really tempted to bait them along a long journey to a snarky laughing "NO DICE!" conclusion, sucking out every line of BS from them along the way. But that wouldn't be very nice would it? So they would get a polite firm, "have a nice day, no thanks." -- Tet
by tetractys
Wed Jun 11, 2014 4:20 pm
 
Forum: Investing - Theory, News & General
Topic: Edward Jones came to my door
Replies: 44
Views: 2716

Re: Which is superior? Slice & Dice or [Total Market]?

The simple answer is that if simplicity and less work are more important to you than a 1 percent or so extra annual return, then a simple 3 fund portfolio is superior; but if you are willing to bear a bit of extra work and complication for 1 or so extra percent return per year over the years, then s...
by tetractys
Thu Jun 05, 2014 8:13 pm
 
Forum: Investing - Theory, News & General
Topic: Which is superior? Slice & Dice or [Total Market]?
Replies: 48
Views: 3761

Re: Alarm Clock

I put my cell phone alarm on the lowest volume, and also a clock radio on low volume. Together the wake me up every time without too much shock, and theoretically two are more dependable than one. -- Tet
by tetractys
Fri May 30, 2014 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Alarm Clock
Replies: 30
Views: 2288

Re: Is it okay to think of my stocks as bonds?

Freedom of thought is good. Chasing returns is bad. Calling chasing returns freedom of thought is stupid. -- Tet
by tetractys
Wed May 28, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is it okay to think of my stocks as bonds?
Replies: 22
Views: 1980

Re: Question about REITS??

REITs are a good not-always-corelating diversifier for those who decide to go that route. They've worked well in my Roth. -- Tet
by tetractys
Wed May 28, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Question about REITS??
Replies: 54
Views: 3716

Re: POLL: QB Aaron Rodgers disproves the EMH

Yes and no, to varying degrees. -- Tet
by tetractys
Wed May 28, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: QB Aaron Rodgers disproves the EMH
Replies: 39
Views: 3535

Re: Pursuing your calling in life at what cost?

Sounds like it's time to review the story of Noah or something similar. I have a calling, and yet still wonder sometimes if it's only wishful thinking. This is because in the grand scheme of things it's obvious one persons "calling" means nothing, and yet I always proceed diligently--have ...
by tetractys
Wed May 28, 2014 7:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pursuing your calling in life at what cost?
Replies: 58
Views: 4555

Re: This market is a snoozer, do you like it?

In hindsight, I have to say that despite the market fear flying all around, 2008-10 was quite exiting and lucrative, as my posts from those days show. It's times like that when accumulators should tighten the belt and shovel every bit of coal they can scoop up into the fire. Folks who say money isn'...
by tetractys
Tue May 27, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: This market is a snoozer, do you like it?
Replies: 45
Views: 4517

Re: Growing Blueberries

Birds really love blueberries. A small crop like yours can disappear within an hour, so keep them tightly covered with nets. -- Tet
by tetractys
Sun May 25, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Growing Blueberries
Replies: 30
Views: 2567

Re: How do you make your money?

I'm collecting signatures a few hours a week for a petition to amend the 1st amendment--16 states in so far; 17 more to go. There are no direct dollar earnings, but in the long run it will help redistribute some wealth to many thousands of deserving people. Mainly I study, demonstrate, and teach mus...
by tetractys
Fri May 23, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you make your money?
Replies: 97
Views: 12788

Re: We won best paper from S&P SPIVA worldwide!

Congratulations, you and any others involved certainly earned it! -- Tet
by tetractys
Thu May 22, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: We won best paper from S&P SPIVA worldwide!
Replies: 39
Views: 3063

Re: "Unsafe driving" vs 2 points speeding ticket

Normally where there's danger you should slow down, and obviously you were racing (The driver of the car that let you in was doing so to avoid a maniac, right?); so I think your lucky you didn't get a double ticket for speeding AND for reckless endangerment in the first place. Lawyers can do wonders...
by tetractys
Thu May 22, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: "Unsafe driving" vs 2 points speeding ticket
Replies: 7
Views: 885

Re: White collar crime book recommendations?

If your interested in a subject you should read everything, and take notes. -- Tet
by tetractys
Thu May 22, 2014 3:13 pm
 
Forum: Personal Consumer Issues
Topic: White collar crime book recommendations?
Replies: 21
Views: 1088

Re: Rhetorical Question? How 4% inflation kills 401k and IRA

Since I've been investing, nearly 18 years, US inflation has been at about %2.35. The Fed target is %2, and methods for inflation measurement and regulation have been improved along the way. Yes the system could get disrupted and inflation could rise to higher levels; but is that a reason to stop in...
by tetractys
Tue May 20, 2014 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rhetorical Question? How 4% inflation kills 401k and IRA?
Replies: 40
Views: 2504

Re: New PC - Buy Office or use free alternatives

Libre. Google stumbles.
by tetractys
Mon May 19, 2014 3:38 pm
 
Forum: Personal Consumer Issues
Topic: New PC - Buy Office or use free alternatives
Replies: 29
Views: 2049

Re: Visiting Minnesota Suggestions?

Go North up by Bemidji where it's easy to jump over the Mississippi. -- Tet
by tetractys
Sun May 18, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: Visiting Minnesota Suggestions?
Replies: 36
Views: 2174

Re: What it’s like be 100 years old

A 5 May 2014, article in Washington Post What it’s like be 100 years old, in 10 charts compares over-100 year old folks with baby boomers. Some findings are as expected, others are more surprising. It makes you want to become an outlier and live to 150. Victoria What's more surprising to you? It al...
by tetractys
Thu May 08, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6022

Re: What it’s like be 100 years old

A 5 May 2014, article in Washington Post What it’s like be 100 years old, in 10 charts compares over-100 year old folks with baby boomers. Some findings are as expected, others are more surprising. It makes you want to become an outlier and live to 150. Victoria What's more surprising to you? It al...
by tetractys
Tue May 06, 2014 1:56 pm
 
Forum: Personal Consumer Issues
Topic: What it’s like be 100 years old
Replies: 50
Views: 6022
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