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Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Yeah, triple clutz or something like that.


:D

http://www.bogleheads.org/forum/viewtop ... 0#p2201443

whole thread is great but Jupiter's post is the piece de resistance
by tyler_cracker
Wed Dec 10, 2014 11:58 pm
 
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2531

Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Image


this is a diagram of how to perform a figure skating maneuver, right?
by tyler_cracker
Wed Dec 10, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2531

Re: Investing in 100 Words

rather than picking 100 words to invest in, i own the whole dictionary.
by tyler_cracker
Tue Nov 25, 2014 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 1942

Re: My 2015 ETF IRA purchase date: 30 DEC 2014

thx bbl. i'm exactly the kind of ocd that reads this thread's title and goes

Image

i usually queue up the ira contribution in my sweep account early anyway so i might try out your tactic this year. thx for posting :)
by tyler_cracker
Tue Nov 18, 2014 10:06 pm
 
Forum: Investing - Theory, News & General
Topic: My 2015 ETF IRA purchase date: 30 DEC 2014
Replies: 3
Views: 874

Re: Mark your calendar for year-end fund distributions

mptfan wrote:"The price of my mutual fund dropped by 2% today, but the market was up, what is going on????!!!!"


i actually use these posts as a signal that my sweep account is about to have cash that needs attention.
by tyler_cracker
Mon Nov 17, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1272

Re: Why not 100% Stocks?

JohnnyFive wrote:try not to make broad generalizations (especially when you know nothing about the person in question...


JohnnyFive wrote:Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never.
by tyler_cracker
Sun Oct 12, 2014 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 274
Views: 21866

Re: Equity ETFs with some downside protection?

imo this is like asking "what car should i buy for hauling lumber?"

the answer is that you shouldn't buy a car; you should buy a truck:

placeholder wrote:you normally do that with fixed income.
by tyler_cracker
Thu Sep 25, 2014 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Equity ETFs with some downside protection?
Replies: 4
Views: 301

Re: Bonds for young(er) people

hi gravity, i'm 35 and faced the same decision a couple years ago. some observations: - i concluded that total bond market is Good Enough. it's Mario and Luigi -- it has some strengths and some weaknesses but it's basically "average". if i could only own one bond fund, i'd own TBM. - i bon...
by tyler_cracker
Sun Aug 31, 2014 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 1002

Re: ibond etf

IBDD has NOTHING to do with the US Treasury Series I Bonds that we frequently discuss: from http://www.ishares.com/us/products/254555/isharesbond-mar-2023-corporate-term-etf: 1. Exposure to investment grade corporate bonds that mature between April 2022 and March 2023 so this is a corporate bond etf...
by tyler_cracker
Fri Aug 29, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: ibond etf
Replies: 2
Views: 528

Re: Best time to exercise stock options

tyler_cracker wrote:so when i choose to sell i go straight [edit] to cash immediately and just pay the tax and try not to worry about it.


i haven't "gone straight immediately" since high school ;) so i have corrected the above sentence.
by tyler_cracker
Wed Aug 27, 2014 11:33 am
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 908

Re: Best time to exercise stock options

grok's thread, which he linked above, is imo the magnum opus on this topic. thanks grok :). i track my various options (NSOs, RSUs, and ESPP shares) in a spreadsheet that shows the "grok number" for each option over various timeframes. couple things i haven't seen mentioned itt: - you may ...
by tyler_cracker
Tue Aug 26, 2014 8:59 pm
 
Forum: Investing - Theory, News & General
Topic: Best time to exercise stock options
Replies: 10
Views: 908

Re: [Poll] How I Feel When I Think about Investing, etc.

i'd be interested to see how much the responses change if this poll is posted in Personal Investments instead of Theory. bold prediction: anxiety ratio skyrockets.
by tyler_cracker
Thu Aug 14, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] How I Feel When I Think about Investing, etc.
Replies: 36
Views: 2480

Re: "Stocks and shares," different things? "Peter Pan"

at this point, nisi, you might get better responses posting on the barrieheads forums :wink:
by tyler_cracker
Mon Jul 14, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: "Stocks and shares," different things? "Peter Pan"
Replies: 40
Views: 3802

Re: Developing a sound framework for optimal asset allocatio

btw, here are some of the posts rca made in the last thread ze started about optimal asset allocation: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=140415&p=2078832#p2077987 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=140415&p=2078832#p2078122 http://www.bogleheads.org...
by tyler_cracker
Sat Jun 14, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Developing a sound framework for optimal asset allocation
Replies: 44
Views: 2954

Re: Blue Line Jumps 11 Percent

market timers beware: this article is over 14 years old!
by tyler_cracker
Thu Jun 12, 2014 10:54 am
 
Forum: Investing - Theory, News & General
Topic: Blue Line Jumps 11 Percent
Replies: 5
Views: 750

Re: Market fluctuation in late 2008

the question to be asked is -- buying with what, there was no money to buy anything unless you had bailed out in 2007 and were sitting on a lot of cash not sure if this question was rhetorical but the answer is "by selling diversified assets that did not take a bath (e.g. bonds) and buying sto...
by tyler_cracker
Sun May 25, 2014 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Market fluctuation in late 2008
Replies: 51
Views: 3468

Re: "Moshe Milevsky on Tontines"

permanent link:
http://wpfau.blogspot.com/2014/05/moshe ... tines.html

count me amongst the legion who can only define "tontine" because of http://archer.wikia.com/wiki/The_Double_Deuce.

"I can do baby, or I can do geezer murder mystery, but I can't do both!"
by tyler_cracker
Sat May 17, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: "Moshe Milevsky on Tontines"
Replies: 28
Views: 2716

Re: Anyone have over 200 individual positions in their accou

I find what works in the bedroom also works in my portfolio - three or four positions is fine, and anything beyond six doesn't add much to the experience... can we put this in the wiki somewhere? :D it's a little crass but i think it really cuts to the heart of the issue for certain demographics (e...
by tyler_cracker
Sun Apr 27, 2014 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone have over 200 individual positions in their accounts?
Replies: 31
Views: 6789

Re: Anyone else very reluctant to buy right now?

livesoft wrote:Uh-oh. Now that Grt2bOutdoors has bought, I want to cancel my exchange noted previously in this thread. But Vanguard won't let me!!


icwudt
by tyler_cracker
Mon Apr 07, 2014 10:42 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 14037

Re: Bogleheads 2014 Hedge fund contest

yeah i meant to delete this
by tyler_cracker
Fri Jan 17, 2014 1:24 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 14475

Re: Callan periodic table of investments for 2013

johndoh,

i like your version with the black line :thumbsup
by tyler_cracker
Sun Jan 12, 2014 12:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Callan periodic table of investments for 2013
Replies: 12
Views: 2407

Re: Money Magazine takes Boglehead approach?

If Money were to publish a succinct Bogleheads recommendation, that might fill half an issue and they would not have anything else to write about except maybe a two-page update once a year. :P i think this is too pessimistic. if the bogleheads forum is a fair barometer, there could be 11 issues a y...
by tyler_cracker
Sat Jan 11, 2014 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Money Magazine takes Boglehead approach?
Replies: 27
Views: 3588

Re: Late trade settlement

fwiw my company also uses etrade for company stock (options and espp). i've never had a problem with settling times (other than my own impatience ;)).

i agree with contacting customer support to see what they say.
by tyler_cracker
Thu Jan 09, 2014 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Late trade settlement
Replies: 9
Views: 459

Re: World Stock Market's Greatest Hits

permalink in case dr. pfau decides to blog something else and bumps this down his front page :)

http://wpfau.blogspot.com/2014/01/greatest-hits.html
by tyler_cracker
Thu Jan 09, 2014 11:34 am
 
Forum: Investing - Theory, News & General
Topic: World Stock Market's Greatest Hits
Replies: 26
Views: 1874

Re: Bogleheads 2014 Hedge fund contest

i'm tied for second place!

(...of people who are negative :D :oops:)
by tyler_cracker
Thu Jan 09, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 14475

Re: Question About Fund Purchase

Not if it works the one time he does it. :D No I'm not really trying to time the market. I have a substantial lump sum which I'm putting in over the course of a few weeks. If I was trying to average in over a long period of time I would say that's timing. I see no point in dumping everything in one...
by tyler_cracker
Thu Jan 02, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: Question About Fund Purchase
Replies: 14
Views: 531

Re: Question About Fund Purchase

C63amg wrote:if I can catch a day where the dow is down 130 points I'm going to try :wink: I know it doesn't make a very big difference in the long term but it makes me feel like I got a deal, lol.


this is market timing and it is doomed to failure
by tyler_cracker
Thu Jan 02, 2014 1:13 pm
 
Forum: Investing - Theory, News & General
Topic: Question About Fund Purchase
Replies: 14
Views: 531

Re: Who is lump-summing a fund on January 2, 2014?

my order for $10k of i bonds is already scheduled for 1/2. my $5.5k roth contribution is already queued up in my sweep account. i'll kick off the backdoor process on 1/2. coincidentally, i have another chunk hitting taxable that will settle later this week. "The best time to invest is when you ...
by tyler_cracker
Tue Dec 31, 2013 12:10 am
 
Forum: Investing - Theory, News & General
Topic: Who is lump-summing a fund on January 2, 2014?
Replies: 49
Views: 4564

Re: Bogleheads 2014 Hedge fund contest

Taper? I hardly know 'er!

long:
TSLA - i'm taking elon musk over the haters :p
AMZN - to the cloud!

short:
YHOO - altavista is not on the list so i'll take the next best thing
JPM - chase can stick it wh-- never mind
by tyler_cracker
Sat Dec 28, 2013 11:01 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 155
Views: 14475

Re: Another CAPE milestone breached - 26

Buy-hold-rebalance a fixed stock allocation works well in uptrending markets. It does not work as well in markets that are downtrending or variable. If you believe that the market with a CAPE > 26, that is also elevated on every other valuation measure there is, and is now at a historical premium t...
by tyler_cracker
Wed Dec 25, 2013 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2497

Re: Another CAPE milestone breached - 26

Here's another interesting factoid. The S&P 500 index is now above it's 2-year moving average by a far greater margin than it was at the peaks just before the 2000 crash and the 2007 crash. It now stands at 21% above the 2-year MA. It was 14% and 12% above the 2-year MA at the market peaks in 2...
by tyler_cracker
Wed Dec 25, 2013 11:50 am
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2497

Re: Another CAPE milestone breached - 26

Browser wrote:I'm going to get very interested if the current run-up takes us once again into the 27+ area.


very interested you say. what actions do you intend to take if it happens?
by tyler_cracker
Tue Dec 24, 2013 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Another CAPE milestone breached - 26
Replies: 46
Views: 2497

Re: Women Better Investors Than Men?

VictoriaF wrote:Men have prettier beards.


amen :)
by tyler_cracker
Tue Dec 24, 2013 2:34 am
 
Forum: Investing - Theory, News & General
Topic: Women Better Investors Than Men?
Replies: 69
Views: 3436

Re: Rebalancing into Bonds

good for you. stay the course!
by tyler_cracker
Mon Dec 23, 2013 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing into Bonds
Replies: 6
Views: 672

Re: Vanguard Target Retirement 2055 (VFFVX) Opinion

hi bparry and welcome! vanguard's target retirement funds are fantastic. i agree with the article author's summary: It’s diversified, with exposure to domestic and international stocks, as well as bonds. i also agree with this: This is a super-long-term fund, as a twentysomething, you're looking at ...
by tyler_cracker
Sat Dec 14, 2013 1:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Target Retirement 2055 (VFFVX) Opinion
Replies: 19
Views: 2247

Re: Who on here owned American Airlines Stock

reminds me of an old joke.

how do you make a small fortune in the airline industry?
start with a large fortune!
by tyler_cracker
Thu Dec 12, 2013 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Who on here owned American Airlines Stock
Replies: 21
Views: 2012

Re: Support Your Forum!

Or you can donate directly using this link: http://www.bogleheads.org/support.htm mel, i see from that link that these donations would not be tax-deductible. however with a little sleuthing i found http://www.bogleheads.org/wiki/The_Bogleheads%C2%AE#The_John_C._Bogle_Center_for_Financial_Literacy, ...
by tyler_cracker
Tue Dec 10, 2013 11:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Support Your Forum!
Replies: 24
Views: 2005

Re: Rebalancing across multiple accounts with tax efficiency

sambb wrote:I dont understand why one would put bonds in the roth


http://thefinancebuff.com/stocks-or-bonds-in-roth.html

discusses some reasons.
by tyler_cracker
Sun Dec 08, 2013 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: Rebalancing across multiple accounts with tax efficiency
Replies: 4
Views: 368

Re: New Boglehead Portfolio Review

whoops, i copy-pasted that from the op. i would just use Total Bond Market (VBTLX) in an IRA.

i've edited my post to fix this. good looking out, duckie!
by tyler_cracker
Mon Dec 02, 2013 12:18 am
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 6
Views: 958

Re: New Boglehead Portfolio Review

hi mike, overall your plan looks good to me. and it sounds *way* better than 15 different funds! :) a couple of observations: you are correct that holding bonds in taxable space is not ideal since it is not particularly tax-efficient. if the simplicity of the hands-off approach is worth more to you ...
by tyler_cracker
Sun Dec 01, 2013 11:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Portfolio Review
Replies: 6
Views: 958

Re: best place to park $200K for a year?

depositaccounts.com shows two banks at 1%: SmartyPig and Palladian Private Bank. Do any Bogleheads know about either? I can't quite figure out the SmartyPig deal - not sure if you are required to continue adding money for a "goal" or what. i use smartypig. the way i did it was to have my ...
by tyler_cracker
Sat Nov 09, 2013 7:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: best place to park $200K for a year?
Replies: 22
Views: 2770

Re: Retirement Help for A Young Investor

One issue I'm having with making a decision is that I have additional funds saved up that I was planning on investing. I don't want to have the largest chunk of my asset allocation (US equities) tied up in a retirement account if I need to withdraw from it for any reason. How do you decide which as...
by tyler_cracker
Mon Nov 04, 2013 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Help for A Young Investor
Replies: 21
Views: 2301

Re: 28 yr old with $200k cash to invest... Advise?

max the roth first

also max any workplace retirement savings you can (401k, simple or sep ira)

consider all your accounts as one big bucket and allocate across them all

i believe you should hold at least 20% bonds

now there will be ten more posts saying the same things with a lot more words

gl!
by tyler_cracker
Mon Nov 04, 2013 10:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: 28 yr old with $200k cash to invest... Advise?
Replies: 9
Views: 1819

Re: Cash Poor

noobie wrote:It always seems like a lot of people have $30-50k, or more, sitting in savings/checking accounts, not including their Emergency funds.


i don't think this premise is correct. most bogleheads do not keep much cash on hand beyond emergency funds.
by tyler_cracker
Fri Oct 11, 2013 8:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Cash Poor [Keep "cash on-hand" or use for investing]
Replies: 45
Views: 4333

Re: Moving $$ from another mutual fund company

no, though the institutions from which you move the funds will likely charge a small fee (~$100).
by tyler_cracker
Fri Oct 04, 2013 8:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Moving $$ from another mutual fund company
Replies: 7
Views: 417

Re: Are munis or total bond funds more affected by interest

since you know that interest rates will rise, it seems pretty dumb to invest in bonds at all. why not instead keep investing in an asset which you know will continue to increase in value?
by tyler_cracker
Mon Sep 30, 2013 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Are munis or total bond funds more affected by interest rate
Replies: 10
Views: 570

Re: Combine AA for $325k IRA and $150k after tax $?

ah, there it is :oops: as DSInvestor says, you could simply sell s&p 500 and buy TSM. if the tax hit were small, that's what i would do. you could also "complete" your s&p 500 to the full us stock market by holding Vanguard Extended Market Index Fund (VEXMX). see http://www.boglehe...
by tyler_cracker
Sat Sep 21, 2013 5:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Combine AA for $325k IRA and $150k after tax $?
Replies: 7
Views: 343

Re: Combine AA for $325k IRA and $150k after tax $?

so treat $475k as one portfolio using my IRA AA? yes fit the least tax efficient (reits/bonds/tips but not iBonds) into IRA and the rest into my after tax acct? yes (Basically just going to be Total Market) as the wiki article says, that's a fine choice, as is total international. so based on that,...
by tyler_cracker
Sat Sep 21, 2013 4:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Combine AA for $325k IRA and $150k after tax $?
Replies: 7
Views: 343

Re: I have been a boglehead for 1 year! + Portfolio

hi day9, happy anniversary (+ a few months ;))! How badly am I hurting myself for not holding these in the most tax-efficient manner? as taylor noted, it's hard to say without knowing how your holdings are spread across your various accounts. i can say that the difference between a vanguard 0.1% ER ...
by tyler_cracker
Sat Sep 21, 2013 1:44 am
 
Forum: Investing - Help with Personal Investments
Topic: I have been a boglehead for 1 year! + Portfolio
Replies: 3
Views: 1008
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