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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 12:39 pm
 
Forum: Investing - Theory, News & General
Topic: Active bond funds better than indexes? Pimco thinks so
Replies: 12
Views: 594

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 11:49 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3567

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 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: What hedges inflation (other than TIPs)
Replies: 11
Views: 747

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 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3973

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 5:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Relatively new here. What did you do in 2008/09
Replies: 106
Views: 6759

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 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11789

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 6:07 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 3999

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 5:55 pm
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be in Stocks - 10-08-2014.........
Replies: 24
Views: 3187

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 4:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late start, low income - what to do first?
Replies: 43
Views: 2620

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 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5376

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 1:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxAct 2014 Preview Edition Now Available
Replies: 3
Views: 410

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 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Step by Step of Buying ETFs at Schwab
Replies: 16
Views: 883

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 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Why Aren't Waterbeds Popular Anymore?
Replies: 13
Views: 1430

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 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5376

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 5:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Social Security benefits for self-employed
Replies: 10
Views: 462

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 5:39 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 107
Views: 5376

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 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2862

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 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10009

Re: Seattle Chapter?

Regrets, I'm working. Best regards. -- Tet
by tetractys
Sat Sep 27, 2014 2:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 5815

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 11:44 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10009

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 2:13 pm
 
Forum: Personal Consumer Issues
Topic: What should one pay for a student cello?
Replies: 10
Views: 720

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 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Jason's Zweig's new dictionary ---enjoy
Replies: 28
Views: 2748

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 4:31 pm
 
Forum: Personal Consumer Issues
Topic: Macbook Air; how much RAM?
Replies: 59
Views: 3226

Re: Inflation Bonds - Staying the Course?

I allocate %10 to VPSIX and ibonds. -- Tet
by tetractys
Wed Sep 17, 2014 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation Bonds - Staying the Course?
Replies: 43
Views: 3191

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 4:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 39
Views: 2061

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 7:40 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3171

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 11:40 pm
 
Forum: Investing - Theory, News & General
Topic: Simplicity vs. Complexity
Replies: 50
Views: 3414

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 8:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 5905

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 4:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: WSJ: Firing One's Advisor
Replies: 18
Views: 2169

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 4:04 pm
 
Forum: Personal Consumer Issues
Topic: Question for Mac Excel 2011 users
Replies: 14
Views: 1135

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 3:40 pm
 
Forum: Investing - Theory, News & General
Topic: I'd buy an S&P 500 index fund in a pinch
Replies: 45
Views: 5850

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 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Copyright question
Replies: 27
Views: 1532

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 7:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 2:47 pm
 
Forum: Personal Consumer Issues
Topic: Best way to refinish a garage floor
Replies: 17
Views: 1524

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 2:42 pm
 
Forum: Personal Consumer Issues
Topic: .com rather than .gov, lesson learned
Replies: 18
Views: 2527

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 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with individual stock I received?
Replies: 42
Views: 1999

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 2:28 pm
 
Forum: Personal Consumer Issues
Topic: How to safely sell a big ticket item online
Replies: 42
Views: 2680

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 1:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I offload Micro Caps?
Replies: 12
Views: 1323

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 9:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 141
Views: 11789

Re: Quicken 2015 for Mac released

As a 20+ year user of Quicken, I strongly recommend people avoid becoming early adopters. Intuit has allowed their once good reputation to crumble by releasing buggy software, providing poor-to-nonexistent support, and implementing planned obsolescence. If you want to use Quicken, wait at least 6 m...
by tetractys
Sat Aug 23, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2015 for Mac released
Replies: 27
Views: 3114

Re: Is PIMCO Bond fund 50% cash?

Many investors have no choice except to invest in PTTRX. That's because it's an exclusive choice for holding intermediate term bonds in a lot (read huge amount) of 401 and 457 plans. Less desirable alternatives might be other managed foreign, high yield, or other funds. So in that regard it's a reas...
by tetractys
Wed Aug 20, 2014 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is PIMCO Bond fund 50% cash?
Replies: 26
Views: 2937

Re: I don't have enough cash for index funds

Where should I park my cash while I wait to be able to buy into the Spartans that I want? I think the easiest and cheapest place is a Roth money market account at a local bank. This also provides more convenience and flexibility when it's time to move that money into a real investment. But your alr...
by tetractys
Wed Aug 20, 2014 3:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: I don't have enough cash for index funds
Replies: 42
Views: 3910

Re: Defining "Stay the Course"

Life changing events happen to those that are alive, and it's a good idea to react appropriately to those events. Analogically, ships that steer clear of icebergs go further than ships that don't. And as to the definition, what dullard would assume a ship's course does not include various adjustment...
by tetractys
Wed Aug 20, 2014 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: Defining "Stay the Course"
Replies: 41
Views: 3790

Re: tIRA - Tax deductions

Yes your Traditional IRA's are still before tax income, or tax deductible. But don't take my word for it; get a definitive answer from the IRS. -- Tet
by tetractys
Wed Aug 20, 2014 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: tIRA - Tax deductions
Replies: 9
Views: 654

Re: Your opinion of mint.com

I tried it out two or three years ago and decided it could not compare to self monitoring. Just navigating the sight and attempting to implement the features turned out to be a big headache. I would have to log into a few sights periodically to keep an eye on things anyway; and those I have are simp...
by tetractys
Wed Aug 06, 2014 5:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your opinion of mint.com
Replies: 38
Views: 3231

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: 1549
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