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by tetractys
Tue May 05, 2015 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Too late for career change/worth it?
Replies: 44
Views: 5850

Re: Too late for career change/worth it?

29 is very young. The sky's the limit. IMO, it would be a big mistake to lock in a set education program unless your absolutely positively sure about your long term path. Education is so mind expanding that unseen and unexpected possibilities WILL open up. There's lots of time, so start off generall...
by tetractys
Tue May 05, 2015 6:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard TM Small Cap
Replies: 3
Views: 657

Re: Vanguard TM Small Cap

Robert, Are you saying that V. Small Cap has had a value tilt for 15 years? $10,000 of NAESX ( V. small cap investor) has grown a couple thousand more than VISVX (V. small cap val investor) over the last 15 years; but I'm not sure what your point is. Funds and indexes can move between value and grow...
by tetractys
Fri Apr 24, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: cleaning plastic eyeglass lenses
Replies: 30
Views: 1745

Re: cleaning plastic eyeglass lenses

The doctor in the OP has it backwards--not unusual. Paper and tissue made from wood products are quite abrasive and will scratch plastic lenses. Cotton products and towels are less abrasive. I've been washing the same plastic lensed glasses for eight years now, with soap, water, and bath towel with ...
by tetractys
Wed Apr 22, 2015 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Transmission oil one inch over the full line would that be a
Replies: 19
Views: 1337

Re: Transmission oil one inch over the full line would that

It's probably not like the old days when it would blow a seal; but still not a good thing. In the least it's very sloppy work. I would check it with engine off, cool on level ground. Then if it is confirmed to be over, I would take it back and have some oil removed right away. Since when has oil bee...
by tetractys
Wed Apr 01, 2015 7:15 pm
Forum: Personal Finance (Not Investing)
Topic: Best source for US mint silver proof sets from 2000?
Replies: 7
Views: 1059

Re: Best source for US mint silver proof sets from 2000?

The "best" place changes often. It's simple to look around online and then decide. -- Tet
by tetractys
Wed Apr 01, 2015 7:11 pm
Forum: Personal Finance (Not Investing)
Topic: Why does Vanguard require snail mail for new applications?
Replies: 7
Views: 918

Re: Why does Vanguard require snail mail for new application

Maybe for signatures? Why not call and ask why? Maybe you don't have to print out the whole thing. -- Tet
by tetractys
Wed Apr 01, 2015 5:21 pm
Forum: Personal Finance (Not Investing)
Topic: How to "prove" Savings Bond held with Treasury Direct
Replies: 12
Views: 1651

Re: How to "prove" Savings Bond held with Treasury Direct

On Treasury Direct, pages are printable statements. Print out the pages with your balances and holdings, and there you go. I used to do this, but it's been a few years since I've been able to log on--sigh. -- Tet
by tetractys
Fri Mar 27, 2015 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Can you really know your AA until you've hit a bear market?
Replies: 74
Views: 5689

Re: Can you really know your AA until you've hit a bear mark

I've done fine knowing my asset allocation before bear markets. I read a bunch of books and made my decisions in a more or less educated way. It's still the same--still following the basic plan. Maybe the secret is to be realistic about market history? Many people on this forum say they've found a p...
by tetractys
Fri Mar 27, 2015 2:12 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri's 30 year market forecast 2015
Replies: 137
Views: 14707

Re: Rick Ferri's 30 year market forecast 2015

How come the chart shows "BEFORE INFLATION RETURNS" as 2% higher than "RETURNS WITH 2% INFLATION"??? That seems backwards to me. -- Tet
by tetractys
Mon Mar 23, 2015 8:48 pm
Forum: Personal Consumer Issues
Topic: How Do You Watch Television?
Replies: 81
Views: 6332

Re: How Do You Watch Television?

How can I say it? ... TV is so weird and unworldly that it makes me rather sick to watch it very much. So I certainly don't watch it much, just a little here and there at work when big games are on and there's company to be with. People talk about TV programs sometimes and I'm clueless. I have too m...
by tetractys
Wed Mar 18, 2015 4:37 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Thanks all, Things are clear enough now. I'm simply going to insert the last year's investment tax loss (as shown on the tax forms) into cash flows around filing time. The dollar amount is pretty easy to come up with, about 5 or 10 minutes of work once the return is completed. It may be viewed as di...
by tetractys
Wed Mar 18, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Tet, I am meticulous in making the efforts that you are undertaking. Is your post perhaps because you are trying to calculate a return for each investment? As I became more sophisticated with this issue, I learned that there is no great way to isolate the investments from each other because of the ...
by tetractys
Wed Mar 18, 2015 3:45 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Is it possible that you are overthinking the tax loss issue? Here's an example taken from my situation. I have a tax loss carryover which has lasted for years and will last for several more years. I can only deduct $3,000 per year from my taxable income, which reduces my total tax liability by abou...
by tetractys
Wed Mar 18, 2015 3:31 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Sidney wrote:
tetractys wrote:I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others.
What decisions have you made going forward based on this metric?
Sydney, it's as I've said. Why do you ask? -- Tet
by tetractys
Wed Mar 18, 2015 3:27 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

For example, a rollover occurs on a specific date. But should the tax on the rollover be accounted for on that date, or in the next year when the tax return is filed, or at the end of the year or the beginning of the next year? The same question comes up for just about every tax event. And many mak...
by tetractys
Wed Mar 18, 2015 3:15 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Hi Doc, I agree with you on ROI, and it's not really relevant to this conversation; just a metric I use annually among others. By "real IRR" I mean the internal rate of return adjusted for the CPI-U, which is posted at regular intervals. That's also not entirely relevant to this conversati...
by tetractys
Wed Mar 18, 2015 2:49 pm
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Re: Tax Loss Accounting & Calculating Returns Accurately

Determine the tax loss by recalculating a year's tax return without the tax loss producing event, and noting the difference. To get the after tax return, integrate the tax loss into annual cash flows as an expense on some convenient date. I don't think it is right to regard tax loss accounting as s...
by tetractys
Wed Mar 18, 2015 1:12 pm
Forum: Investing - Theory, News & General
Topic: Is MicroCap on sale?
Replies: 11
Views: 1473

Re: Is MicroCap on sale?

Microcaps did their thing in 2013. Why expect a sudden resurgence? Maybe a good way to check on microcaps is to look at microcap funds and see if they are sitting in value territory, which they are not. Simply looking at underperformance is not a good idea because as far as anyone knows this could b...
by tetractys
Wed Mar 18, 2015 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: nondeductible traditional IRA -> roth?
Replies: 8
Views: 815

Re: nondeductible traditional IRA -> roth?

Why not just open a Roth? -- Tet
by tetractys
Wed Mar 18, 2015 11:49 am
Forum: Investing - Theory, News & General
Topic: Tax Loss Accounting & Calculating Returns Accurately
Replies: 20
Views: 598

Tax Loss Accounting & Calculating Returns Accurately

Since joining the Bogleheads I’ve been working towards an accurate picture of my investment returns. I’ve gone to great lengths accounting for every penny and every mistake since inception, obtaining all my investment records from past 401(k) accounts, etc. My return spreadsheet includes all contrib...
by tetractys
Mon Mar 16, 2015 10:59 pm
Forum: Personal Finance (Not Investing)
Topic: Do you still use currency or have you gone all-plastic?
Replies: 47
Views: 3416

Re: Do you still use currency or have you gone all-plastic?

One cash withdrawal transaction cuts down on many plastic transactions, so less bookkeeping; and also there are those times out when cash is best for the social pool. -- Tet
by tetractys
Sat Feb 21, 2015 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 558

Re: Unknown Roth IRA Basis

I've found TT's tracking really confusing, unusable, and a waste of time. Maybe it's just me; but I think anyone able to add and subtract can do better on their own. -- Tet
by tetractys
Sat Feb 21, 2015 11:10 pm
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 558

Re: Unknown Roth IRA Basis

Both Chase and Ameritrade should have your contribution records. Just call and ask. -- Tet
by tetractys
Tue Feb 17, 2015 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1396

Re: Anti-virus software on my MAC?

I use the firewall and avoid trouble seeking surf and mail behavior. Virus software has proven to me that it's a virus in itself, so I avoid that too. -- Tet
by tetractys
Sat Feb 14, 2015 11:19 pm
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 54
Views: 4460

Re: What is the BH consensus on international bonds?

Vanguard is broadening its bond base worldwide to support it's huge and growing clientele. The supply of US bonds is not large enough any more for that clientele. -- Tet
by tetractys
Tue Feb 10, 2015 5:20 pm
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 13318

Re: Where is John C. Bogle's Presidential Medal of Freedom?

Why anticipate politics? In many cases nominations are by far the greater honer than mere final selection. -- Tet
by tetractys
Tue Feb 10, 2015 5:07 pm
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds (Poll)
Replies: 28
Views: 3879

Re: Best Small Cap Value Funds (Poll)

Metrics nor simple costs certainly don't tell the whole story. There is a balance to consider, as other very knowledgable posters have pointed out in several other threads, and I leave it to those eloquent folks to reexplain if they wish; there's more to it than that! But I will question that which ...
by tetractys
Tue Feb 10, 2015 4:26 pm
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 113
Views: 15283

Re: Is it time to give-up on TIPS?

I've owned VIPSX, Vanguard TIPS Fund Investor at 10% of my portfolio since 3/26/04, almost 11 years. So when my portfolio reaches about $500,000 I'll convert to Admiral shares. They have returned about %4 for me with rebalancing in my tax sheltered Roth. Inflation has averaged a little over %2 since...
by tetractys
Mon Feb 09, 2015 4:43 pm
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1891

Re: DH and I are buying bicycles

Bikes with thin tires are a lot easier to pedal, and much faster than bikes with wide tires, smooth or not. So my first piece of advice would be to avoid bikes with trail bike or balloon type tires, unless your really planning most of your riding on trail bike terrain. For most stuff, road bikes blo...
by tetractys
Sat Feb 07, 2015 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: This CPA is advocating snail-mail over e-file for taxes
Replies: 55
Views: 4260

Re: This CPA is advocating snail-mail over e-file for taxes

Always electronic since its inception. Always square, mini questioned once, never audited. With electronic filing it's super easy to self audit and reduce auditing risk; So my take: fear of auditing risk is for screw offs, criminals, or the paranoid only. Regarding the point on IRS OCR capability: w...
by tetractys
Mon Feb 02, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Total return math: dividends & reinvestment?
Replies: 8
Views: 1233

Re: Total return math: dividends & reinvestment?

I let a spreadsheet do the work like this: Asset Date X Action Comm Basis* CF/PV $ ROI % ROI % XIRR NOTES VWITX 01/06/15 $12,000.00 $12,000.00 -$12,000.00 Open Taxable 01/30/15 -$23.90 -$23.90 $23.90 Distribution 01/30/15 $11,976.10 $0.00 $11,976.10 $12,075.21 $99.11 0.83% 11.76% Cumulative For 0 Yr...
by tetractys
Mon Feb 02, 2015 4:13 pm
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3615

Re: Tomahawk Steak

People love to say things like "the bone is for flavor" and "sear it to seal in the juices", or "frozen fish is inferior" and other anecdotes that don't always have basis in science or testing. In this case unless you cook this steak for a very long time and thereby ru...
by tetractys
Thu Jan 29, 2015 6:16 pm
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2282

Re: What is your BMI?

I eat good, get the right amount of exercise, and don't drink enough to cloud my mind into interest of such things as BMI. This is for wanna bees, right? How about a survey of organ size?

Could use some nice tasty potatoes right now though. -- Tet
by tetractys
Thu Jan 29, 2015 5:58 pm
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1381

Re: Searching with google while using Safari

If you want to continue typing in your present window, just open a new window for your search. I think you'd have to do this anyway unless you had the search set to open the results a new window. Why would anyone pay for Safari, or for any browser when there's so many free ones out there? -- Tet
by tetractys
Wed Jan 28, 2015 11:56 pm
Forum: Personal Consumer Issues
Topic: Took the GRE test [- Suggest a masters degree]
Replies: 39
Views: 2569

Re: Took the GRE test [- Suggest a masters degree]

[OT comments removed by admin LadyGeek]
by tetractys
Sat Jan 24, 2015 10:30 pm
Forum: Investing - Help with Personal Investments
Topic: How to auto invest VTI/VXUS with no fees??
Replies: 9
Views: 939

Re: How to auto invest VTI/VXUS with no fees??

With ETF's, I believe someone has to approve the purchase price, whether that be the purchaser or an authorized broker. So, I think, that would eliminate auto investments. The no fees part is doable with in house ETFs, as others have pointed out. I think the closest thing to free auto investing in E...
by tetractys
Tue Jan 20, 2015 10:30 pm
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1782

Re: Poll: What Percent of TIPS in Taxable Account

Do ibonds count? I have about 2.5% of those. No TIPS in taxable. -- Tet
by tetractys
Tue Jan 20, 2015 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

Leonard, Thanks, sorry I didn't mean to appear to blow you off. these guys are in my notes. I'm going to be doing this slow and methodically, mainly because I want end results despite my shortcomings. So if/when I approach these gents, want my end in order. B. Malkiel just put out a new version of R...
by tetractys
Tue Jan 20, 2015 1:36 pm
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 56
Views: 5263

Re: Poll: Your Max. REIT Allocation

My target is around 12%; but as far as a separate fund allocation it's 7%. -- Tet
by tetractys
Sat Jan 17, 2015 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

Thanks all who have given positive advice and ideas. I have little time at the moment, so will digest this a get back later. Please continue. As most of you who read understand, it's not about the one recent fund change. It's about turning around a history of rash choices by the investment board, by...
by tetractys
Fri Jan 16, 2015 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

As far as active bond funds go, you can do a lot worse. It has an ER of 39 bp and isn't crazy risky or anything like that. What even are the other options, though? Do they have a stable value fund? [See chart image above] The running around dropping funds and adding replacements for no good reason ...
by tetractys
Fri Jan 16, 2015 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

hicabob, Yes you would think, "if they felt that strongly about Mr Gross, they would have followed "The Bond King" to Janus as many others did". That's exactly why the reason they give for changing funds makes little sense. And it's disturbing that an investment board of such a l...
by tetractys
Fri Jan 16, 2015 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

The MW bond fund shows up in many 401(k) plans when the Pimco fund is not there. It is a pretty decent actively-managed bond fund, so is a natural replacement for the previous actively-managed bond fund. A letter might highlight the need to avoid manager risk presented by an actively-managed bond f...
by tetractys
Fri Jan 16, 2015 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

Re: HELP!!! with run amok investment board!

Your only recourse is to write to the board. They will continue business as usual if they don't hear from plan participants. Get your co-workers to chime in. The more people the board hears from, the more they will listen. It will also help to remind them of their fiduciary responsibility. I assume...
by tetractys
Thu Jan 15, 2015 7:10 pm
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3868

HELP!!! with run amok investment board!

I'm upset about this and very much appreciate any help! King County is the largest county in Washington state, so this could effect many investors. Well, probably nothing unusual; but what can I do about this "investment board"? King County, Wa, USA has no passive investment option for fix...
by tetractys
Thu Jan 15, 2015 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7368

Re: Reporter doing story on Turbo Tax Fracas

Because of TT's $ nit picking over the last few years, which seems likely to continue, I made the decision last year to switch to another provider. -- Tet
by tetractys
Wed Jan 14, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 14106

Re: How does an Efficient Market explain Buffett?

The simple answer is that an efficient market has absolutely no need to explain one drop in the bucket like Buffett. Although it does, because the bucket holds many drops. One might reverse the question and ask how does Buffett explain the efficient market. The last I heard, he has determined it's e...
by tetractys
Mon Jan 12, 2015 11:26 pm
Forum: Investing - Help with Personal Investments
Topic: Is there an annual minimum contribution to a Roth IRA?
Replies: 10
Views: 629

Re: Is there an annual minimum contribution to a Roth IRA?

At least one bank has said, "open an IRA for as little as $50.00." -- Tet
by tetractys
Mon Jan 12, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2376

Re: Prognosis On REIT Index Fund

mucho dinero wrote:... does this article have any validity relative to predicting the future returns of {Vanguard REITs} fund?

No. -- Tet
by tetractys
Mon Jan 12, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5820

Re: Poll: Do you own I Bonds?

I bought several ibonds during '06-8. The whole batch has been returning %3.68 annualized. I stopped buying them when the fixed rate went below %1.2, and they are now a really tiny part of my portfolio. -- Tet

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