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Re: How can I transition to 3-funds?

Admiral shares only require a $10,000 investment in the total market funds, so you should have to problem doing that. -- Tet
by tetractys
Wed Dec 17, 2014 7:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: How can I transition to 3-funds?
Replies: 37
Views: 2382

Re: Looking to move inheritance from high-fee advisor

As a side note: If you decide to go to Vanguard, talk to them and find out the cheapest way to transfer funds, and let them handle the other end. -- Tet
by tetractys
Wed Dec 17, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking to move inheritance from high-fee advisor
Replies: 26
Views: 2101

Re: Do ETFs ever drop stocks?

If it's a managed ETF, they may drop it, or buy more, depending on management's decision making process. Usually index funds follow or sample an index, so you would have to look up the rules of the underlying index to see the exact procedure. The rules for the speculatively managed power shares ETF,...
by tetractys
Tue Dec 16, 2014 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Do ETFs ever drop stocks?
Replies: 6
Views: 418

Re: Do ETFs ever drop stocks?

Different ETFs do different things, depending on how they are managed. Disclosure is probably different as well. I would not think that ETFs are much different than Mutual Funds in this regard. For specific information I would go to the ETF in question's home web site. Hopefully someone with more kn...
by tetractys
Tue Dec 16, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Do ETFs ever drop stocks?
Replies: 6
Views: 418

Re: Have you ever been let go?

It would be difficult to count all the times; always for sticking up for someone or for some principle; always leading to better days--the story of my life. The last time was for backing up a young lady who was being paid less than minimum wage, under the table, contrary to her wishes and demands. S...
by tetractys
Tue Dec 09, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5471

Re: What is your opinion about "tilting?"

I selected "other" because none of the specific categories seemed to suffice; not even "Potrzebie," which might generally mean something needed , or other things, depending on one's bent. But seriously, I think tilting will most likely bring a better return than not (it has consi...
by tetractys
Tue Dec 09, 2014 8:31 pm
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 116
Views: 8445

Re: Is it safe to leave Laptop in hotel room

I've had a camera stolen out of hotel room; but not in the US. But better safe than sorry, so I would not leave a laptop where it could be easily snatched up. Expensive cloths?, yes, since they are not so readily re-customized. -- Tet
by tetractys
Sat Dec 06, 2014 3:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 7431

Re: What temperature for house for long winter absence?

Theoretically the answer for the dampness in the air is simple; set the temperature a few degrees above ambient. But thermostats are generally not set relative to ambient. On small cabin cruisers and sail boats, we would simply leave a light bulb or two on inside the cabin, and this would be enough ...
by tetractys
Wed Dec 03, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: What temperature for house for long winter absence?
Replies: 54
Views: 7085

Re: [Poll] What's Your Tax Prep Strategy?

I have been a loyal Turbotax user since 2002; but I'm tired of Intuit's price gouging tactics, so this year I'm using Tax Act.-- Tet
by tetractys
Tue Dec 02, 2014 1:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 62
Views: 3292

Re: Is there anything unhealthy about drinking tap water?

Here in Seattle the tap water is better than bottled, of course as long as the piping is good, and of course as long as the amount drunk is reasonable < http://en.wikipedia.org/wiki/Water_intoxication >. So no, nothing unhealthy about drinking tap water here. Oh, and then there's the question of war...
by tetractys
Wed Nov 26, 2014 1:57 pm
 
Forum: Personal Consumer Issues
Topic: Is there anything unhealthy about drinking tap water?
Replies: 17
Views: 1260

Re: Should I add Microcaps to my portfolio?

I'm going to sell my BRSIX early next year and put that into something more manageable. I think it's a great fund for a tax sheltered account, but the capital gains surprises are really starting to bug me. -- Tet
by tetractys
Tue Nov 25, 2014 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I add Microcaps to my portfolio?
Replies: 10
Views: 1388

Re: How did you handle the 2008 bear market ?

As an accumulator, not having more cash to pour in the market was quite disappointing. But I did put in whatever could be scrounged up, and I did rebalance diligently. Having read the literature, I wasn't fearful; but feeling the fear of many of our forum members was nerve racking. And our retired m...
by tetractys
Tue Nov 25, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: How did you handle the 2008 bear market ?
Replies: 79
Views: 6241

Re: 10 Reasons why Merriman dislikes Total Stock Mkt

Of course TSM holdings in small value detract from the non-correlation effect of small value held in a separate fund in a S&D portfolio. This looks like the core argument, with most of the others compiled to reach the magic number 10. Overall a non-issue, and not much different from what we here...
by tetractys
Wed Nov 19, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 155
Views: 17864

Re: Value Averaging: My experience after 9 years

Oneleaf, OK, so throw out the language "boosting returns," and let's just talk about maintaining a level of risk. Then let's ask the question, how does VA'ing actually help maintain a level of risk over rebalancing a multi-fund portfolio? Does VA'ing do that, or is it only adding an extra ...
by tetractys
Tue Nov 18, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4238

Re: Value Averaging: My experience after 9 years

Deploying assets or rebalancing to the desired asset allocation just seems a whole lot easier in terms of the required discipline. Dale I believe systematic rebalancing to a desired asset allocation has a same or even superior effect to value averaging, and that it is a more efficient way to procee...
by tetractys
Tue Nov 18, 2014 1:15 pm
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 4238

Re: Avoid points in unsafe turn ticket!

I'd hire a lawyer that specialized in traffic violations, or at least consult one. Take the opportunity to save money, time, (Yes, these folks get priority in court) , and to keep your record clean. -- Tet
by tetractys
Wed Nov 05, 2014 9:54 pm
 
Forum: Personal Consumer Issues
Topic: Avoid points in unsafe turn ticket!
Replies: 48
Views: 2544

Re: Should I stop tracking past performance?

I keep a meticulous record going back to my investing inception in 1997 when the CPI-U was 160.5. It is streamlined in a way that requires far less work than reading an annual statement--just entering cash flow and moving some formulas across cells each quarter. The history is interesting, personal ...
by tetractys
Tue Nov 04, 2014 8:55 pm
 
Forum: Investing - Theory, News & General
Topic: Should I stop tracking past performance?
Replies: 36
Views: 2221

Re: Track your car's fuel use (mileage)

As for other spread sheet things that Bogleheads do, this one is pretty simple. So why waste time online to deal with the extras? Well to each their own I guess. To get started in the simplest way (but of course not the only way) is a two step process: 1. When fuling, fill up all the way every time....
by tetractys
Mon Nov 03, 2014 11:46 pm
 
Forum: Personal Consumer Issues
Topic: Track your car's fuel use (mileage)
Replies: 31
Views: 2024

Re: Can you outperform?

This is the idea of using bands, an aid to buying low and selling high when called for. It's worked for me. It's been refuted by some on this forum; but without realtime proof, only speculative and, I dare say, short sighted theory. -- Tet
by tetractys
Thu Oct 23, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: Can you outperform [an index by rebalancing]?
Replies: 12
Views: 1256

Re: Active bond funds better than indexes? Pimco thinks so

Uh huh ... even index funds can be subject to manager risk at times, as was TBM back then. But to the point of the OP, we should be aware that management risk can vary quite a bit, for one thing depending on management's team makeup, and for another, on their rule set. I'm sure there are other varia...
by tetractys
Wed Oct 22, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 36
Views: 2603

Re: Upgraded to OS X 10.10 Yosemite

The last few upgrades have gone smoothly ... for me. So I'll probably do this one on my next visit to the library in a day or two, where the bandwidth is high. For now I'll sit tight. -- Tet.
by tetractys
Mon Oct 20, 2014 10:49 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 38
Views: 4783

Re: What hedges inflation (other than TIPs)

Being a musician, I buy higher quality hand made musical instruments, which only seem to increase in value, and get better with time if taken care of and played properly. From what I can see offhand, their value seems to track global inflation, and not any single country. So there's a slight advanta...
by tetractys
Tue Oct 14, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: What hedges inflation (other than TIPs)
Replies: 11
Views: 771

Re: It's a good day to be heavy in REITs

Yes REITs are king this year, sort of like micro-caps were last year. A good illustration of the benefits of diversification, I think. -- Tet
by tetractys
Tue Oct 14, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 4078

Re: Relatively new here. What did you do in 2008/09

As an accumulator, I tossed all fear to the wind, bought like hell whenever I could, and rebalanced whenever my bands were overstretched. I did not deviate from my plan for an instant, no matter how the market jacked my portfolio. Wow it sure paid off. -- Tet
by tetractys
Tue Oct 14, 2014 4:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 130
Views: 10174

Re: What are you up YTD?

Still up about 1/4th of a percent on a 75/25 portfolio. Last post, I think about mid-year, on this thread was quite different. Sure does illustrate how silly it is to worry over momentary annual returns. -- Tet
by tetractys
Tue Oct 14, 2014 4:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18769

Re: Things that you will not spend money on and most people

TV and associated expenses (no time for that). House and etc. Cholesterol bearing foods and restaurants (except on special occasions, like tonights dinner with some old friends). Telephony. Concerts (cannot compete with what's upstairs.) I do buy select CD's and expensive musical instruments, so tha...
by tetractys
Wed Oct 08, 2014 5:07 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4200

Re: It's a good day to be in Stocks - 10-08-2014.........

Just another day for a Boglehead. Most of us accumulators are probably buying international stocks these days, with the recently lassitudinous US stock and bond markets offering little to consider. -- Tet
by tetractys
Wed Oct 08, 2014 4:55 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3378

Re: Late start, low income - what to do first?

Forget about bulldozing in the $1000 minimum at Vanguard. Consider testing the water with a gentle ripple. Why not suggest starting out with a nice safe Roth IRA money market fund or CD at a (not the investment branch) local bank? And remember the song, "if you love someone, set them free."...
by tetractys
Wed Oct 08, 2014 3:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2780

Re: Oatmeal suggestions

Here's a delicacy: When the oatmeal has thickened enough, crack an egg on top. When it's done you have a beautiful poached egg laced with rolled oats to season as you like, and to eat along with your oatmeal. I seldom eat eggs with the yolk anymore. So alternately I've been doing something similar i...
by tetractys
Sat Oct 04, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 12829

Re: TaxAct 2014 Preview Edition Now Available

I think I'm going to try it this year. Just getting tired of TT's price bumps and that episode last year of forced upgrades for certain forms. -- Tet
by tetractys
Thu Oct 02, 2014 12:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2014 Preview Edition Now Available
Replies: 3
Views: 437

Re: Step by Step of Buying ETFs at Schwab

The main thing, I think, is not worry about execution. I mean what are you, a stockbroker who has to get an immediate commission? The flexibility of bargaining IS the beauty of ETFs. Accept the freedom to only offer what you are comfortable with, and give it a few months to execute. -- Tet
by tetractys
Tue Sep 30, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Step by Step of Buying ETFs at Schwab
Replies: 16
Views: 1113

Re: Why Aren't Waterbeds Popular Anymore?

Piano's aren't very popular either. I've heard that in New York piano crushing trucks roam the streets for fodder. It may be because of the work involved in moving them, keeping them tuned, etc. Maybe a similar thing with water beds: the special frame, the filling, the weight, and etc... But fortuna...
by tetractys
Tue Sep 30, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1485

Re: Oatmeal suggestions

Once oats are rolled, they can be eaten raw without wearing down ones teeth too much. It melts in your mouth, a great addition to ones gorp. -- Tet
by tetractys
Tue Sep 30, 2014 7:18 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 12829

Re: Social Security benefits for self-employed

When I owned my own business (was self employed), I payed both the employee and employer share of SS taxes. The employee benefit I derived is the same--no special bonus for being an employer. -- Tet
by tetractys
Tue Sep 30, 2014 4:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits for self-employed
Replies: 10
Views: 483

Re: Oatmeal suggestions

I've found the secret to good fluffy oatmeal is to get the water really boiling before dropping in the oatmeal. Fresh bulk thick cut oatmeal is the best by far. A good test is that it separates and disperses as it hits the boiling water. Quaker brand is naturally lumpy, so avoid it--it has to be sti...
by tetractys
Tue Sep 30, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 147
Views: 12829

Re: Will you invest in Bill Gross's new bond fund?

I checked "leave PIMCO for another bond fund," but that's only wishful thinking at this point. Retirement plans are what they are until they aren't through some sort of change. For those who will change to BG's new project, nuts attract squirrels. -- Tet
by tetractys
Mon Sep 29, 2014 10:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3046

Re: Bill Gross moving from PIMCO to Janus, Monday

Not sure... Can you try it without the forehead? -- Tet
by tetractys
Sat Sep 27, 2014 1:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 11546

Re: Seattle Chapter?

Regrets, I'm working. Best regards. -- Tet
by tetractys
Sat Sep 27, 2014 1:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 69
Views: 6851

Re: Bill Gross moving from PIMCO to Janus, Monday

Managers come and go. With a GIANT bond fund like PIMCO Total Return, it's certain that Bill Gross has not been working alone, and possibly not even making the decisions, good or bad, that he's credited with (especially when considering his erratic and contrary public statements over the last few ye...
by tetractys
Fri Sep 26, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 11546

Re: What should one pay for a student cello?

A good way to check the market for a student cello, I think, as for many kinds of merchandize, would be to search Ebay. The rest must be done carefully. You'll want an instrument that will play well and not be too cheap and troublesome. If you have access to a good string player, they could help out...
by tetractys
Wed Sep 24, 2014 1:13 pm
 
Forum: Personal Consumer Issues
Topic: What should one pay for a student cello?
Replies: 10
Views: 731

Re: Jason's Zweig's new dictionary ---enjoy

Lots of humorous sarcasm, but not very serious. So overall a fun place to visit, for a short while; but who will want to live there? -- Tet
by tetractys
Wed Sep 17, 2014 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2772

Re: Macbook Air; how much RAM?

She can always add more later and most likely at a much cheaper price. -- Tet
by tetractys
Wed Sep 17, 2014 3:31 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3447

Re: Inflation Bonds - Staying the Course?

I allocate %10 to VPSIX and ibonds. -- Tet
by tetractys
Wed Sep 17, 2014 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3243

Re: How often do YOU rebalance and when?

I rebalance in two ways, with contributions to deferred and defined benefit plans and IRAs, and with bands when markets go whacko. -- Tet
by tetractys
Wed Sep 17, 2014 3:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2199

Re: Poll: Which iPhone 6?

Actually I'm waiting for a wifi iPod 6, or not... The phone internet fees are way out of proportion IMO, especially when a simple cell phone costs around $20-40 per month. Regarding the size of the iPhone I would ask, what's the 0.8 diagonal difference going to make anyway, even to a nearly blind pe...
by tetractys
Tue Sep 09, 2014 6:40 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3316

Re: Simplicity vs. Complexity

I like to look at the question as a simple teeter-totter. On one end we have a simpler portfolio with less return and less work. On the other end we have a more complex portfolio with a bit greater return that requires more work. It's basically an even trade off--no free lunch. I'm not impressed wit...
by tetractys
Mon Sep 08, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3460

Re: Will Bill Gross beat the Total Bond Market Index?

I've held the fund for the last couple years because it's the only decent bond option in my deferred comp plan. It's done significantly better than Vanguard Inter-Term bond fund for both those years, easily covering the higher E/R. This is comforting; but still if I had a choice I would take the Van...
by tetractys
Wed Sep 03, 2014 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6102

Re: WSJ: Firing One's Advisor

If the knowledgable cannot find a good advisor, is there hope for anyone else? Even worse, is why is this guy writing for the WSJ anyways? After this confession, perhaps no one should respect anything he writes. Yeah, but maybe he's looking forward from the political perspective where the fallen ho...
by tetractys
Fri Aug 29, 2014 3:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 2397

Re: Question for Mac Excel 2011 users

Look into Libre Office Calc. It's open source, and much less expensive than MS software. And check this: http://amourtan.com/2013/03/downloading-stock-prices-into-openoffice-calc/ -- Tet
by tetractys
Fri Aug 29, 2014 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 14
Views: 1200
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