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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: 88
Views: 8107

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: 3784

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: 3784

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: 2408

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: 2181

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: 1954

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: 1247

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: 2538

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: 4539

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: 763

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: 4040

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: 9928

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: 18606

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: 4164

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: 3340

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: 2683

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: 139
Views: 9758

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: 420

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: 994

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: 1470

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: 139
Views: 9758

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: 472

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: 139
Views: 9758

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: 3001

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: 113
Views: 10445

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: 65
Views: 6085

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: 113
Views: 10445

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: 729

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: 2769

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: 3364

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: 3224

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: 2158

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: 3272

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: 3445

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: 6032

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: 2285

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: 1182

Re: I'd buy an S&P 500 index fund in a pinch

Another pinched guy here. The Vanguard Institutional Index (S&P 500, 0.04 E/R) is what's available in my 457(b); but in the rest of my portfolio it's TSM. Rick's idea of making that the only investment in my 457(b) is food for thought. -- Tet
by tetractys
Fri Aug 29, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5983

Re: Should I offload Micro Caps?

In this case you've managed to tilt towards a sector where performance well exceeded that of TSM the past few year. Not to be a cliche man but your kind of letting the tax tail wag the the dog. Surely the gains outweighed the tax paid? My BRSIX is not in taxable but I don't get upset when my taxabl...
by tetractys
Fri Aug 29, 2014 2:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Re: Should I offload Micro Caps?

Microcap stocks, according to wiki, have market capitalizations of up to 300MM. At a multiple of 20, such a company would earn 15M per year. At a higher multiple, say, 40, 7.5mm per year. By definition, such companies are in arenas where there is little barrier to entry. The trade off is the growth...
by tetractys
Fri Aug 29, 2014 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Re: Should I offload Micro Caps?

The other microcap ETFs out there are PZI and WMCR. PZI does seem more valuey, but hasn't performed much differently than IWC. Because there is going to be a lot of turnover in microcap companies, I'm just not sure how a mutual fund (even a passive one) without an ETF share class can be very tax ef...
by tetractys
Fri Aug 29, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Re: Copyright question

You can always copyright it: you know, stick on the symbols and language, and send a copy to the library of congress with the $30.00 or whatever. Or just semi-fake it with the symbol and lingo--like most low budgeteers. At least then you might be able to threaten a would be copy thief into submissio...
by tetractys
Wed Aug 27, 2014 6:09 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1553

Re: Should I offload Micro Caps?

So you invested in a sector of the market that did to well so you want to unload it? Me no understand. I'm keeping my BRSIX set at a target of 5% of my equity allocation. JonnyDVM, Well sort of; all those capital gains pushed me into higher taxes by surprise and I lost out on some tax credit. And n...
by tetractys
Wed Aug 27, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Re: Best way to refinish a garage floor

In the military we scrubbed and waxed every floor, cement included. -- Tet
by tetractys
Wed Aug 27, 2014 1:47 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1576

Re: .com rather than .gov, lesson learned

Probably nothing you can do now, after the fact, unless you want to confer with a lawyer or some other consumer advocate, and probably that will be a waste of time. It would be surprising if those usurpers even exist in a legal jurisdiction. Yup, there's every scheme imaginable and more out there to...
by tetractys
Wed Aug 27, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2603

Re: What to do with individual stock I received?

Here's a good article about "stepped up basis:"
http://en.wikipedia.org/wiki/Stepped-up_basis

Also check directly with IRS.gov, of course. --Tet
by tetractys
Wed Aug 27, 2014 1:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 2068

Re: How to safely sell a big ticket item online

Definitely do not provide your email address to anyone unless you screen them first and are sure you can trust them. Or just don't give it out at all unless it's necessary, like on Paypal. First get their contact info and then contact them by phone after you are certain they are serious. This is wha...
by tetractys
Wed Aug 27, 2014 1:28 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2815

Re: Should I offload Micro Caps?

Abbuss,
Thanks, if I unload micro caps I will reallocate the money to upped allocations of small cap value, large cap value, total stock market and REITs.

Baw,
Very interesting, will definitely look into that.

Tet
by tetractys
Wed Aug 27, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Should I offload Micro Caps?

I've been using BRSIX as a proxy for small-caps in my portfolio for several years now. For awhile it was held in a Roth, and then in taxable. For the last couple years BRSIX has had big capital gains, because the fund has done well and so has sold stocks that grew way beyond the funds CRSP 10 Index....
by tetractys
Tue Aug 26, 2014 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1330

Re: What are you up YTD?

My total return so far this year is about %6.5. It's the end of August, so that would make the IRR about ... 9.75 I think. My allocation is 75/25. -- Tet
by tetractys
Tue Aug 26, 2014 8:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18606
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