Search found 4235 matches

Return to advanced search

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 11:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 519

Re: Unknown Roth IRA Basis

Both Chase and Ameritrade should have your contribution records. Just call and ask. -- Tet
by tetractys
Sat Feb 21, 2015 11:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Unknown Roth IRA Basis
Replies: 6
Views: 519

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
Tue Feb 17, 2015 3:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1251

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
Sat Feb 14, 2015 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: What is the BH consensus on international bonds?
Replies: 50
Views: 3285

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 5:20 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9199

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 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Best Small Cap Value Funds (Poll)
Replies: 23
Views: 2616

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
Tue Feb 10, 2015 4:26 pm
 
Forum: Investing - Theory, News & General
Topic: Is it time to give-up on TIPS?
Replies: 75
Views: 9075

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
Mon Feb 09, 2015 4:43 pm
 
Forum: Personal Consumer Issues
Topic: DH and I are buying bicycles
Replies: 39
Views: 1591

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
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: 3951

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 4:49 pm
 
Forum: Investing - Theory, News & General
Topic: Total return math: dividends & reinvestment?
Replies: 8
Views: 1167

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
Mon Feb 02, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: Tomahawk Steak
Replies: 29
Views: 3411

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 6:16 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: What is your BMI?
Replies: 28
Views: 2047

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
Thu Jan 29, 2015 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Searching with google while using Safari
Replies: 31
Views: 1339

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

[OT comments removed by admin LadyGeek]
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: 2386

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
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: 787

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 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What Percent of TIPS in Taxable Account
Replies: 27
Views: 1729

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 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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
Tue Jan 20, 2015 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Your Max. REIT Allocation
Replies: 54
Views: 4193

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
Sat Jan 17, 2015 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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 2:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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
Fri Jan 16, 2015 1:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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 7:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3759

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
Thu Jan 15, 2015 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7238

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
Wed Jan 14, 2015 10:27 pm
 
Forum: Investing - Theory, News & General
Topic: How does an Efficient Market explain Buffett?
Replies: 257
Views: 13263

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 11:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there an annual minimum contribution to a Roth IRA?
Replies: 10
Views: 576

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 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Prognosis On REIT Index Fund
Replies: 9
Views: 2191

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
by tetractys
Mon Jan 12, 2015 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own I Bonds?
Replies: 62
Views: 5537

Re: Do you keep all your eggs in one basket?

Actually, each fund is a separate corporate entity, with Vanguard only being the distributer, so to say. So it's not comparable to keeping all your eggs in one basket at all. -- Tet
by tetractys
Mon Jan 05, 2015 7:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you keep all your eggs in one basket?
Replies: 31
Views: 3367

Re: Rick Ferri looking to internationalize his portfolio

I have quite a bit of rebalancing into international to do, and sold a bunch of US to do that with when the money arrives this week, but I won't be changing my overriding allocation, still 2/3 US, 1/3 X. X still carries the extra risk, and it seems even developed X countries are veering towards risk...
by tetractys
Mon Jan 05, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 285
Views: 34526

Re: How do I know when I'm Financially Independent?

To even attain the delusion of financial security, one would own sufficient lifetime access to various currencies and solid assets. -- Tet
by tetractys
Mon Jan 05, 2015 6:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do I know when I'm Financially Independent?
Replies: 18
Views: 3598

Re: Are markets becoming inefficient?

It vacillates. -- Tet
by tetractys
Mon Jan 05, 2015 6:15 pm
 
Forum: Investing - Theory, News & General
Topic: Are markets becoming inefficient?
Replies: 15
Views: 1809

Re: Keurig Coffee Makers

Do any of these produce better than a high grade instant? After many years of coffee drinking I'm beginning to wonder? -- Tet
by tetractys
Mon Jan 05, 2015 6:12 pm
 
Forum: Personal Consumer Issues
Topic: Keurig Coffee Makers
Replies: 37
Views: 2756

Re: give me a reason [to add TIPS]

Saltycaper, In a deflationary environment, isn't there a chance the inflation factor will be reduced, thus potentially eliminating some of the gains from previous inflation? This would be a downside risk, even though your original principal is protected. From the paper I linked to above: The semi-an...
by tetractys
Mon Jan 05, 2015 6:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2590

Re: give me a reason [to add TIPS]

Here's a pretty good white paper on TIPS: < http://www-stat.wharton.upenn.edu/~steele/Courses/434/434Context/TIPS/TipsGE2005.pdf > The unique return and risk characteristics combined with the size and growth of the market argue for TIPS as a separate asset class within a pension portfolio. These sec...
by tetractys
Mon Jan 05, 2015 5:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: give me a reason [to add TIPS]
Replies: 22
Views: 2590

Re: Is "stay the course" a commandment or a suggestion?

the brothers??? :shock: +1. Can we also skip all the "shipmates" expressions? There is a certain clubbiness to this form. However it can't really be attributed to the more reasonable members, although some of them seeking clientele here do engage their hooks judiciously. Stay the course; ...
by tetractys
Mon Jan 05, 2015 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Is "stay the course" a commandment or a suggestion?
Replies: 60
Views: 4118

Re: How to break up with an advisor

I would never bother with what I view as a pointless attempt at explanation, and especially to a party with the gall to send gifts I paid for. Simply remove the money, or have Vanguard do it. Do we explain whenever we use the bathroom? Perhaps at the most, if it's necessary, specify little or big bu...
by tetractys
Mon Jan 05, 2015 2:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to break up with an advisor
Replies: 33
Views: 3225

Re: Hobbies + Free Time

When I'm not working for money I study music. I also exercise, eat, and sleep expediently. This board is for procrastination when I'm out walking around--not much to add and not much left to change on the investing front, although it does seem good to keep up on things. -- Tet
by tetractys
Mon Jan 05, 2015 2:35 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Hobbies + Free Time
Replies: 11
Views: 2048

Re: Servicing new vehicle: Dealer or local mechanic?

I do both, depending on the prices at the moment. With independent service though, be very specific on the type of oil and other model requirements. -- Tet
by tetractys
Mon Jan 05, 2015 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Servicing new vehicle: Dealer or local mechanic?
Replies: 8
Views: 813

Re: Post your 2015 New Year's Resolutions ITT

I made a resolution to eat pizza during 2015, quickly went out and bought one at the grocers, took it home and devoured it. But realizing it was not quit midnight yet, the next day I went out for the true pizza of my resolution. I suppose I could add something more serious. I'm memorizing the Telema...
by tetractys
Mon Jan 05, 2015 1:46 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3542

Re: Vanguard Investor Shares vs. ETFs

I don't think the difference in expense ratios is worth the conversion. More important questions, IMO, would be whether or not you want to sell and buy on the open market, and if you reinvest dividends, how you would rather have that happen. If you'll be converting to Admiral shares anyway, that's a...
by tetractys
Mon Jan 05, 2015 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor Shares vs. ETFs
Replies: 4
Views: 477

Re: Stock Market Behavior Predicted by Rat Neurons

Certainly rat neurons are not all that much different from our own, nor from the researcher's neurons. -- Tet
by tetractys
Sat Jan 03, 2015 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Stock Market Behavior Predicted by Rat Neurons
Replies: 13
Views: 811

Re: Why is total bond indexing different from stock indexing

It's a complex subject. Larry Swedroe's bond book, The Only Guide to a Winning Bond Strategy You'll Ever Need, gives good accessible explanations. -- Tet
by tetractys
Wed Dec 31, 2014 5:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why is total bond indexing different from stock indexing?
Replies: 9
Views: 1236

Re: International - good for diversification, bad for return

We invest for long term returns, not short term, as in only 17 years. Recently X-US markets are on a downturn, with weakening currency values. So taking a long term view, one would "stay the course," investing up to allocation in X-US equity, rather than flee. If this feels like "roll...
by tetractys
Wed Dec 31, 2014 5:46 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4905

Re: Jason Zweig: Lessons learned from the year of surprise

Even the monkey? How about the worm that many of us resemble?
Leeraar wrote:
nisiprius wrote: And yet--of course--for every Jason Zweig, there are a hundred Ken Fishers:

I'll take your Ken Fisher, and raise you a thousand!

L.

Ken Fisher, The pied piper among worms! -- Tet
by tetractys
Tue Dec 30, 2014 5:48 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig: Lessons learned from the year of surprise
Replies: 18
Views: 3531

Re: current thoughts on international allocations

I don't think it's changed much, and you'll be fine rebalancing. I'm in basically the same situation, the difference being my portfolio is more complex and I have to make major changes across different accounts due to income and benefit changes. But like you, I need to account for the recent value a...
by tetractys
Tue Dec 30, 2014 5:39 pm
 
Forum: Investing - Theory, News & General
Topic: current thoughts on international allocations
Replies: 4
Views: 574

Re: Post your 2015 New Year's Resolutions ITT

Eat oatmeal before work, and cook it sometimes. -- Tet
by tetractys
Tue Dec 30, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3542

Re: Poll: How important is rebalancing?

I have a set allocation for each asset, and so as I make contributions I rebalance back to those allocations. I think it's important. It wouldn't make sense to me to contribute in a manner that moves away from set allocations. And when the markets go wacko, as they do from time to time, I use bands ...
by tetractys
Tue Dec 23, 2014 11:21 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How important is rebalancing?
Replies: 51
Views: 5699
Next

Return to advanced search