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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: 2004

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: 13
Views: 975

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: 5475

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: 1261

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: 1261

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: 1261

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: 1463

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: 1261

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: 1452

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: 2451

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: 1922

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: 2255

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: 1261

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: 1261

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: 94
Views: 6311

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: 2599

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: 2889

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: 3765

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: 3650

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: 621

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: 3028

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: 1507

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: 2149

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: 4687

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: 4260

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: 2237

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: 1085

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: 11020

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: 17964

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: 1139

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: 913

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: 5740

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: 2390

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: 2612

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: 1763

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: 9622

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: 594

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: 747

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: 4165

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: 2066

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: 2962

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: 2709

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: 1228

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: 1808

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: 4675

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: 1527

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: 2962

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: 2855

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: 5143

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: 6473
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