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Re: What's your number?

I have no magic number. I just have a reasonable and flexible plan to follow until the time comes, if ever, to retire. There's a good chance, of course, that retirement will never come, or that I will not make it to retirement. In that case my plan will extend to others. Some people set retirement a...
by tetractys
Wed Apr 23, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your number?
Replies: 69
Views: 4342

Re: Where would you retire, if $ were no object?

I like it here on the Salish where my roots are.
by tetractys
Wed Apr 23, 2014 3:41 pm
 
Forum: Personal Consumer Issues
Topic: Where would you retire, if $ were no object?
Replies: 69
Views: 4250

Re: Beware Vanguard DOES NOT update all your account values

This is nothing new, the outside investment tool Vanguard uses has always been somewhat after the fact . And further, there are some investments, such as Ibonds, that have to be updated manually, My answer: It's not worth the problems; and second, why would a long term investor even need this anyway...
by tetractys
Sat Apr 19, 2014 4:50 pm
 
Forum: Investing - Theory, News & General
Topic: Beware Vanguard DOES NOT update all your account values
Replies: 56
Views: 4567

Re: Savers remorse ?

I have a long way to go till retirement, and maybe I'll never retire. But concerning savers remorse: I'm a musician who went for many years skimping on the thing I needed most, the best instruments. Thinking ahead, I made the decision to become more serious about my present life, and to forgo saving...
by tetractys
Wed Mar 26, 2014 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Savers remorse ?
Replies: 91
Views: 11185

Re: I bonds: mathematics for when to cash in for higher rate

Two things to consider would be 1. income taxes, and, 2. whether or not redeeming and reinvesting would be preferential to buying the new annual limit at the higher rate. And then there is also the one year limit to redemption and the 5 year early redemption penalty. That said, it seems a simple dec...
by tetractys
Sat Mar 22, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: I bonds: mathematics for when to cash in for higher rate
Replies: 13
Views: 2025

Re: Paper bonds vs Treasury Direct

I agree that a paper backup for TD savings bonds is a good idea. I'm also concerned with possible solar, or other, episodes that might fry or magnetically alter anything involving fragile, transient electronic circuits. And I certainly do print out a TD statement when my holdings change. But, I can'...
by tetractys
Sat Mar 22, 2014 4:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Paper bonds vs Treasury Direct
Replies: 24
Views: 1557

Re: Professions that have the most/least psychopaths

Being in a profession on the list doesn't mean your a contributor. For example there are many surgeons that lower the surgeon rating below CEO. So being on the list doesn't mean your one way or the other. -- Tet
by tetractys
Wed Mar 19, 2014 1:22 pm
 
Forum: Personal Consumer Issues
Topic: Professions that have the most/least psychopaths
Replies: 30
Views: 1996

Re: TurboTax defunct?

Check to make sure pop up windows are turned on. And then I would use the Vanguard to TT link both before and after logging into Vanguard. It should work either way, the only difference being with the former you would have to log into Vanguard after clicking the TT link; but what the heck, give that...
by tetractys
Mon Mar 17, 2014 3:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 1880

Re: TurboTax defunct?

Sounds like a personal sign in problem. I have no idea what this would have to do with TT. Were you able to sign into Vanguard? -- Tet
by tetractys
Mon Mar 17, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax defunct?
Replies: 15
Views: 1880

Re: Anti-virus for Mac?

I stay away from security software because with every past trial it hasn't helped and only caused massive headaches. And further I've found that most of this stuff is a virus in itself. But definitely set the firewall, delete all spam, and generally be prudent online and anywhere else that could aff...
by tetractys
Sun Mar 09, 2014 5:38 pm
 
Forum: Personal Consumer Issues
Topic: Anti-virus for Mac?
Replies: 80
Views: 3586

Re: How to Convert Someone That Doesn't Want to Be Converted

I have a very good friend who is currently paying a FA at Wells Fargo .85% a year for 'financial advice' and I don't know how to convince him to take more control of his investments. If you don't believe tying your friend to a tree and pouring bourbon down his throat until he gives in won't work; t...
by tetractys
Mon Feb 24, 2014 3:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to Convert Someone That Doesn't Want to Be Converted
Replies: 50
Views: 2970

Re: What's the Appropriate Net Worth by % for a 27 year old?

Appropriate? Not sure what that means regarding net worth; but in relation to normal it should probably be $0.00 to negative. Your way ahead of the game. Just stay within your means and don't go overboard. 20K for a wedding? That may or may not be appropriate; but in all sincerity, congratulations a...
by tetractys
Mon Feb 24, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's the Appropriate Net Worth by % for a 27 year old?
Replies: 78
Views: 8750

Re: Turbo Tax Bug - Tax History Report

I didn't have that problem. Maybe the TT community can help you or maybe it's a temporary glitch. -- Tet
by tetractys
Sun Feb 23, 2014 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Bug - Tax History Report UPDATED
Replies: 4
Views: 506

Re: Honda CR-V vs Subaru Forester

My 2011 Forester has averaged 23.5 mpg's over 21k miles. I imagine the AWD takes a slight toll on mileage compared to 2WD, because it's always engaged. But I think it's worth it for anyone wanting the extra traction, and it is included in the base price unlike with the CRV. I've had a few opportunit...
by tetractys
Sat Feb 22, 2014 4:26 pm
 
Forum: Personal Consumer Issues
Topic: Honda CR-V vs Subaru Forester (edit: decision made!)
Replies: 43
Views: 4367

Re: Market Crash Stategies?

I understand the "diversify + rebalance + buy & hold" argument, but am wondering what, if any, plans do you have for reacting if things get really bad? During the 2007-2008 freefall, based on the "news" and rate of descent, I sold out 100% to cash after the initial week or s...
by tetractys
Wed Feb 19, 2014 4:58 pm
 
Forum: Investing - Theory, News & General
Topic: Market Crash Stategies?
Replies: 40
Views: 3138

Re: BOA credit card breach

OK, so what else is new? Really, these days I think the standard expectation is that personal information is public, except perhaps strong passwords. We're back to the way it once was, a closer knit community where nothing is hidden, so to speak. Who's got something to hide? So precede accordingly a...
by tetractys
Wed Feb 19, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: BOA credit card breach
Replies: 29
Views: 1932

Re: What'up?????

Ha ha, everyone knows something, and most think they know more than that. -- Tet
by tetractys
Wed Feb 19, 2014 3:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: What'up?????
Replies: 7
Views: 1091

Re: Do you balance your checking account?

Reconciling monthly has saved me from hundreds of dollars in fraudulent charges over the years. -- Tet
by tetractys
Tue Feb 18, 2014 3:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you balance your checking account?
Replies: 114
Views: 4921

Re: Breaking Treasury direct Certificates before 5 years

Whatever treasuries your referring to, TD redeems them right away. From my experience, the money is deposited into your account the next business morning. You will get the present value, since any penalty is included. Tax forms will be available later. -- Tet
by tetractys
Tue Feb 18, 2014 3:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Breaking Treasury direct Certificates before 5 years
Replies: 3
Views: 275

Re: Filed my tax return on my own - one last question

This is the first time I have ever done my own tax return and I'm still nervous after pressing the submit button about 15 minutes ago. ... TaxAct asked me if i wanted to pay $6.99 to have access to my tax return as an archive for three years. Doesn't the digital copy I saved suffice? What would be ...
by tetractys
Sat Feb 15, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Filed my tax return on my own - one last question
Replies: 13
Views: 893

Re: Optimal Number of Mutual Funds

Talking "asset classes" as opposed to "funds," of the scholars who write about asset allocation that I've read, the optimal number is somewhere between 6 and 12. After 12 there's general agreement on diminishing returns. From 6 to 12 there's increasing opportunity for rebalancing...
by tetractys
Fri Feb 14, 2014 5:50 pm
 
Forum: Investing - Theory, News & General
Topic: Optimal Number of Mutual Funds
Replies: 78
Views: 3654

Re: POLL: Is someone in your family a member of this Forum?

Well I don't know; but I do care--it would be nice to know.
by tetractys
Wed Feb 12, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: POLL: Is someone in your family a member of this Forum?
Replies: 36
Views: 1908

Re: Going all into Emerging Markets

Investing all in a single volatile asset can end up at a low point just when the money is needed, even forty years from now. Think about diversification. -- Tet
by tetractys
Wed Feb 12, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Going all into Emerging Markets
Replies: 63
Views: 5826

Re: Windfall!

From a purely mathematical and statistical basis, there is a slim lead for putting it in all at once; but practically speaking, DCA is often the best option. -- Tet
by tetractys
Sat Feb 08, 2014 2:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Windfall!
Replies: 6
Views: 828

Re: The Gecko cost me a lot of $. How often to switch car in

The answer is simple. Skillfully avoid accidents and incidences, and buy cheaper insurance. -- Tet
by tetractys
Sat Feb 08, 2014 2:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: The Gecko cost me a lot of $. How often to switch car ins?
Replies: 78
Views: 7698

Re: Contact Manager (Mac) to replace Now Contact??

Definitely just use the built in address book. -- Tet
by tetractys
Sat Feb 08, 2014 2:33 pm
 
Forum: Personal Consumer Issues
Topic: Contact Manager (Mac) to replace Now Contact??
Replies: 3
Views: 220

Re: What fraction of VG Tot. Int. is Small Cap & Emerging?

For practical purposes, one could say, "the market weight." I can't believe that breaking one's back over such minute details will help returns over the long run. But nevertheless, according to M* < http://portfolios.morningstar.com/fund/summary?t=VGTSX&region=usa&culture=en-US >, ...
by tetractys
Sat Feb 08, 2014 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: What fraction of VG Tot. Int. is Small Cap & Emerging?
Replies: 6
Views: 500

Re: 2013 TurboTax: Which Product? New Rules?

I just ran into the forced upgrade online. It looks like for Schedule D, Premier is now mandatory. I don't see any extra guidance included, just the same old data entry fields--maybe their functionality is a little niftier. For the last several years it was suggested by Intuit, but not forced, and ...
by tetractys
Mon Feb 03, 2014 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: 2013 TurboTax: Which Product? New Rules?

I just ran into the forced upgrade online. It looks like for Schedule D, Premier is now mandatory. I don't see any extra guidance included, just the same old data entry fields--maybe their functionality is a little niftier. For the last several years it was suggested by Intuit, but not forced, and D...
by tetractys
Sat Feb 01, 2014 8:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2013 TurboTax: Which Product? New Rules?
Replies: 302
Views: 28952

Re: preventing rust on car exhaust system

I agree with most of the others above; apart from checking the hangers and clamps periodically, let it go and live your life. -- Tet
by tetractys
Thu Jan 30, 2014 3:25 pm
 
Forum: Personal Consumer Issues
Topic: preventing rust on car exhaust system
Replies: 28
Views: 1422

Re: good coffee grinder and roaster

Any frying pan works fine for roasting coffee beans. Just shake 'em around periodically so they roast evenly to your taste. Grinders: whatever works best for the grind you want. The rest: whatever you like best--3/4 of the flavor is in your imagination anyway, so don't listen to anybody else's conno...
by tetractys
Sun Jan 26, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: good coffee grinder and roaster
Replies: 19
Views: 1187

Re: Using Turbo Tax when you have 'complicated' portfolio?

The nice thing about TT is that it's a guided experience, one step at a time, slow and deliberate. If an impasse comes up, a missing piece of paper, a 1099, a bit of information or whatever, come back later with it. Last year I put all my stuff in a folder and did TT in a few visits to my local coff...
by tetractys
Sun Jan 26, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Turbo Tax when you have 'complicated' portfolio?
Replies: 20
Views: 1445

Re: Which bond fund is best?

pingo wrote:
tetractys wrote:Of course as we know, the consequences of MBS's are manifest. -- Tet
WhereImagePerhaps I don't understand what you mean by "manifest" ?

Yes you do not. Inverse convexity is academic, and so data mining is immaterial. -- Tet
by tetractys
Sat Jan 25, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4011

Re: Which bond fund is best?

For general investing, definitely intermediate term bond index fund. For Vanguard's sake, and for those equating their personal benefit with Vanguard's, that would be TBM based on economies of scale. Of course as we know, the consequences of MBS's are manifest. -- Tet
by tetractys
Sat Jan 25, 2014 6:52 pm
 
Forum: Investing - Theory, News & General
Topic: Which bond fund is best?
Replies: 83
Views: 4011

Re: [What is] wrong with Treasury Direct website?

The price we pay for security! Patience and diligence are the order of the day, and a little thanks I think, that we don't have to travel through machine gun nests for most things as of yet. -- Tet
by tetractys
Sat Jan 25, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: [What is] wrong with Treasury Direct website?
Replies: 79
Views: 4724

Re: Seattle as a place to live?

Columbia City is nice. Really just about anywhere in Seattle is pretty nice. Land here and then look all around. The main difference with weather is that Seattle is a lot milder than the East coast. Also the air is much cleaner, having come across the ocean rather than across the polluted country. A...
by tetractys
Sat Jan 25, 2014 4:48 pm
 
Forum: Personal Consumer Issues
Topic: Seattle as a place to live?
Replies: 69
Views: 6349

Re: Cheapest pay-per-use phone--rarely make calls

I send people to Radio Shack because it's the easiest way I know for you to get the best available plan and be set up and working right out the door. I believe they have everything locally available, or nearly so, and the people there know what's what, and the price you pay is the same as if you did...
by tetractys
Sat Jan 25, 2014 3:07 pm
 
Forum: Personal Consumer Issues
Topic: Cheapest pay-per-use phone--rarely make calls
Replies: 64
Views: 3304

Re: 3 fund portfolio vs. slice and dice

My S&D has consistently done better than a 3-fund by 1 or 2 % every year. But that's no measure, correct? It's a personal preference, and personal preferences are best demonstrated by personal experience. -- Tet
by tetractys
Thu Jan 16, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: 3 fund portfolio vs. slice and dice
Replies: 39
Views: 2649

Re: Letting go: Classic textbooks

I like my textbooks. I just reread Hoppin Medieval Music History and also a bunch of checked out books to expand things a bit. A lot of new research has come out and new instruments are being excavated all the time; but it helps to have a base to refresh from. I would keep the books unless your out ...
by tetractys
Thu Jan 16, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Letting go: Classic textbooks
Replies: 54
Views: 3628

Re: The Winter Blahs

Hmm. Well, Winter's spirit landed here in Seattle last Wednesday. I've been making music as usual; that's what keeps me happy. Regardless of a perceived tension felt when winter descends, it's important to realize it's just one aspect of the whole. -- Tet
by tetractys
Sat Jan 11, 2014 10:30 pm
 
Forum: Personal Consumer Issues
Topic: The Winter Blahs
Replies: 48
Views: 2980

Re: What is your 10-year historical returns (to Dec 31, 2013

For 1/4 fixed, 1/4 international, 1/2 domestic my 10 year xirr as of 12/31/13 is %8.71 nominal. This includes returns from a few wild and woolly non-boglehead years, previous to 2006/7. I include everything, taxes, fees, burps, you name it.

Keep going, Tet
by tetractys
Sat Jan 11, 2014 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: What is your 10-year historical returns (to Dec 31, 2013)
Replies: 71
Views: 2846

Re: Do you invest in a taxable account?

Yes I have some taxable accounts, including ibonds. That's all I'll say about it because every worthwhile point has already been given above. -- Tet
by tetractys
Sun Jan 05, 2014 8:07 pm
 
Forum: Investing - Theory, News & General
Topic: Do you invest in a taxable account?
Replies: 111
Views: 7201

Re: Why use Quicken to track investments?

I download quotes and enter transactions with quicken, then export an .xls report that my spreadsheets links to. The main advantage is that my buys, sells, reinvestments, etc. are all contained and integrated with all my other financials. Quicken and institutions are cumberson for balancing a portfo...
by tetractys
Sun Jan 05, 2014 7:56 pm
 
Forum: Personal Consumer Issues
Topic: Why use Quicken to track investments?
Replies: 8
Views: 763

Re: What types of year-end snapshots do you keep?

I keep a spreadsheet of investment cash flows and returns since inception in Sept. 1997. This has been a great reflection my investment relations to market history, and of the evolution of my investment style. I also keep my Tax returns and pay stubs. And since purchasing my first brand new car a co...
by tetractys
Wed Jan 01, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: What types of year-end snapshots do you keep?
Replies: 34
Views: 2361

Re: Official 2014 IRA is DONE sign-up

Not given to sweating at the trigger of a loaded and aimed gatling gun, I'll start thinking about 2014 sometime after my 2013 accounting is complete. -- Tet
by tetractys
Wed Jan 01, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Official 2014 IRA is done. Sign-up
Replies: 47
Views: 2728

Re: Can I be diversified with only Vanguard Index Funds?

OP - What does the following mean? I have a Roth and an individual 401k at the moment (my job does not offer one). If you are employed by some company that does not offer a 401k, how can you have a individual 401k since you work for someone else? From a previous employer? A 401(k) can sit around fo...
by tetractys
Sun Dec 29, 2013 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can I be diversified with only Vanguard Index Funds?
Replies: 22
Views: 2771

Re: Low cost / passive SRI options

SRI's are not necessarily managed by socially responsible managers. So buyer beware! Further, ask, will this SRI facilitate me in eating my own cooking? Chances are no. It's easy to invest in an SRI in an attempt to alleviate personal guilt that society carries as a whole; but then we later find we ...
by tetractys
Sun Dec 29, 2013 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Low cost / passive SRI options
Replies: 12
Views: 793

Re: Lots of ? market timing on bonds

sambb wrote:Are there are general rules or guidelines on this speculation.

Swedroe's bond book is as good of a source as there is. But it won't help with speculative guidelines. -- Tet
by tetractys
Sun Dec 29, 2013 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Lots of ? market timing on bonds
Replies: 20
Views: 1363

Re: Lots of ? market timing on bonds

I am in the midst of reallocating and rebalancing from stocks to bonds. Over the last several weeks, I have found several threads that suggest that short term bonds and CDs are preferable to intermediate term bonds. It's actually been several years that bond fear concerns have been consistently pos...
by tetractys
Sun Dec 29, 2013 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Lots of ? market timing on bonds
Replies: 20
Views: 1363
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