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  Topic: Classical music suggestions
tetractys

Replies: 70
Views: 2466

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Sat Nov 21, 2009 4:02 pm   Subject: Classical music suggestions
"Adagio for Strings" by Samuel Barber...
I like this one also; but the only really good recording I've ever heard was on an old glass record--which I don't know the name of. Recent recordin ...
  Topic: advice needed on buying and installing the car radio
tetractys

Replies: 17
Views: 496

PostForum: Personal Finance (Not Investing)   Posted: Sat Nov 21, 2009 3:03 pm   Subject: advice needed on buying and installing the car radio
Sometime when I turn it on, it works fine, sometime it doesn't. It's been going on like this for quite a while, which is annoying. I suspected that there are connection problems, and I took it to the ...
  Topic: It can happen to you.
tetractys

Replies: 18
Views: 1744

PostForum: Investing - Theory, News & General   Posted: Sat Nov 21, 2009 2:50 pm   Subject: Re: It can happen to you.
A Coconut Grove businessman (Todd Snyder) says he invested $2.16 million with Scott Rothstein after a (broker) friend solicited him to buy into a high-profit deal--that returned nothing."
I woul ...
  Topic: Oasis of the Seas - the new Titanic?
tetractys

Replies: 38
Views: 1612

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Fri Nov 20, 2009 10:43 pm   Subject: Oasis of the Seas - the new Titanic?
Yes there's the cooling pipes down near the keel, and the handrails (or whatever they are) near to where the waterline might be. They look well placed for rescue or general use if the lifeboat is caps ...
  Topic: Dump Vanguard's Strategic Small Cap Equity? VSTCX
tetractys

Replies: 13
Views: 994

PostForum: Investing - Help with Personal Investments   Posted: Thu Nov 19, 2009 11:40 pm   Subject: Re: Dump Vanguard's Strategic Small Cap Equity? VSTCX
Anybody else have this fund or offer an opinion on it?
Not Strategic Small Cap Equity, but I'm having perhaps similar sentiments about Bridgeway Ultra Small Market, BRSIX. Their strategy of excluding ...
  Topic: The Bruno Poll
tetractys

Replies: 31
Views: 1439

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Thu Nov 19, 2009 9:53 pm   Subject: The Bruno Poll
Having googled the subject, IMO this thread is a black mark on Bogleheads.org. -- Tet
  Topic: EMH "failed spectacularly", is a tautology
tetractys

Replies: 101
Views: 2663

PostForum: Investing - Theory, News & General   Posted: Thu Nov 19, 2009 3:42 pm   Subject: EMH "failed spectacularly", is a tautology
I still like the general idea that market efficiency is variable over several parameters. And whatever the EMH theory, or tautology is, the data is there for anyone to crunch at any time and see if th ...
  Topic: Classical music suggestions
tetractys

Replies: 70
Views: 2466

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Thu Nov 19, 2009 1:30 pm   Subject: Classical music suggestions
"Adagio for Strings" by Samuel Barber...
I like this one also; but the only really good recording I've ever heard was on an old glass record--which I don't know the name of. Recent recordin ...
  Topic: Bogleheads will understand
tetractys

Replies: 53
Views: 2922

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Thu Nov 19, 2009 12:23 am   Subject: Re: Bogleheads will understand
Hi Bogleheads:

A friend sent me this:
My husband, youngest son, and I went out to McDonald's one crisp March morning. ...
Taylor,

Thanks for the sentiment on this week before Thanksgiving. It ...
  Topic: Rebalancing Costs
tetractys

Replies: 4
Views: 318

PostForum: Investing - Theory, News & General   Posted: Wed Nov 18, 2009 10:35 pm   Subject: Rebalancing Costs
Any fees charged outside of fund costs would be dependent on the plan itself, so if you don't already have access to documentation, you'd have to check with administrators. In any case it's definitely ...
  Topic: looking for a multimeter less than $100
tetractys

Replies: 14
Views: 741

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Tue Nov 17, 2009 11:26 pm   Subject: looking for a multimeter less than $100
That's a neat one. You can even make sure your tea water's the right temperature. -- Tet
  Topic: looking for a multimeter less than $100
tetractys

Replies: 14
Views: 741

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Tue Nov 17, 2009 10:39 pm   Subject: looking for a multimeter less than $100
That one looks pretty nice, sturdy and with the nice big digital readout. I bought a much cheaper $15 multimeter for home and car use that's been fine for several years now. I had an even cheaper and ...
  Topic: The Investor's Manifesto -- A Gem
tetractys

Replies: 58
Views: 7240

PostForum: Investing - Theory, News & General   Posted: Tue Nov 17, 2009 10:15 pm   Subject: The Investor's Manifesto -- A Gem
Are there any mutual funds that are member-owned just like a Credit Union?
Vanguard is investor owned.
Doesn't ownership imply control?

Do we control VG management in any way?
Depending on your ...
  Topic: The Investor's Manifesto -- A Gem
tetractys

Replies: 58
Views: 7240

PostForum: Investing - Theory, News & General   Posted: Tue Nov 17, 2009 12:18 pm   Subject: The Investor's Manifesto -- A Gem
Are there any mutual funds that are member-owned just like a Credit Union?
Vanguard is investor owned.

"A perfectly simple and serviceable portfolio might be: 42% US Total Stock Market; 18% T ...
  Topic: What would you do?
tetractys

Replies: 25
Views: 1274

PostForum: Personal Finance (Not Investing)   Posted: Mon Nov 16, 2009 11:11 pm   Subject: Re: What would you do?
He got the acceptance in the mail quoting $47,000 but it also said he would be paid 2x/month at the rate of xxx. Well, he multiplied it out and it comes to $53,000! He signed the letter accepting. ...
  Topic: Classical music suggestions
tetractys

Replies: 70
Views: 2466

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Sun Nov 15, 2009 9:54 pm   Subject: Classical music suggestions
To get a feel for the historical context, see if you can find a copy of:

Grout & Palisca. A History of Western Music. Norton.

Enjoy, Tet
  Topic: Growing old without kids or younger caring relatives
tetractys

Replies: 51
Views: 3841

PostForum: Personal Finance (Not Investing)   Posted: Sun Nov 15, 2009 10:16 am   Subject: Growing old without kids or younger caring relatives
There are widespread community based alternatives where everyone takes care of everyone else to the best of their ability. Get involved with one or more of those groups and see what it's about. That's ...
  Topic: Which bank do you use?
tetractys

Replies: 45
Views: 2080

PostForum: Investing - Theory, News & General   Posted: Sat Nov 14, 2009 10:03 pm   Subject: Re: Which bank do you use?
Hey DuelCitizen. If it's a good idea to not have details of my brokerage account known to my vendors, do you think that I want to let all you guys know the name of my bank? Laughing
Laughing The OP sounds ...
  Topic: I bond inflation adjustment
tetractys

Replies: 7
Views: 810

PostForum: Investing - Theory, News & General   Posted: Sat Nov 14, 2009 8:23 pm   Subject: I bond inflation adjustment
What surprised me was the inflation component. 3.06% seems much higher than the CPI-computed inflation rate.
Hi Paul,

The i bond inflation component is calculated from an annualized six month samp ...
  Topic: best way to post a 'standalone' file on the net?
tetractys

Replies: 13
Views: 593

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Sat Nov 14, 2009 11:06 am   Subject: best way to post a 'standalone' file on the net?
There's this, "http://tinyurl.com/." While it's not exactly what your looking for, it is a way to point to files in an anonymous (or semi-anonymous?) manner.

The only other alternative I ...
  Topic: What fixed nominal rate would make you give up investing?
tetractys

Replies: 56
Views: 2729

PostForum: Investing - Theory, News & General   Posted: Thu Nov 12, 2009 7:57 pm   Subject: What fixed nominal rate would make you give up investing?
I'm very puzzled by some people's concern with getting *some* real return regardless of the guaranteed nominal rates. Why would anyone possibly turn down 50-100% nominal in favor of 3-4% real? Yes, th ...
  Topic: What fixed nominal rate would make you give up investing?
tetractys

Replies: 56
Views: 2729

PostForum: Investing - Theory, News & General   Posted: Thu Nov 12, 2009 5:31 pm   Subject: Re: What fixed nominal rate would make you give up investing
1. Continuously liquid, can add to or subtract from at any time.
Nice idea; but what good would it be to the now long-term investor if they had to give up long-term investing. It might be worth a bit ...
  Topic: "Rebalancing Made Simple"
tetractys

Replies: 31
Views: 3178

PostForum: Investing - Theory, News & General   Posted: Thu Nov 12, 2009 4:56 pm   Subject: "Rebalancing Made Simple"
I continue to be shocked, though, by those in the financial community who are still riding the active management bandwagon. What more do these people need to see in order to be convinced?
For one th ...
  Topic: Modern Portfolio Theory tested with recent market behavior
tetractys

Replies: 59
Views: 3594

PostForum: Investing - Theory, News & General   Posted: Tue Nov 10, 2009 10:37 pm   Subject: Re: Modern Portfolio Theory tested with recent market behavi
One key challenge is that the theory uses standard deviation to measure variability or risk, but this is valid only if returns follow a normal distribution.
I think that MPT demands a little common s ...
  Topic: Series I Bonds
tetractys

Replies: 22
Views: 3301

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 10, 2009 5:22 pm   Subject: Re: Buying i-Bonds from a credit union
I am interesting in buying some paper i-Bonds, but I don't have a bank. I am using two credit unions, one of which is PenFed. Does anybody have experience getting paper i-Bonds from a credit union? ...
  Topic: Should an Emergency Fund be in a Roth
tetractys

Replies: 27
Views: 1193

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 10, 2009 4:47 pm   Subject: Re: Should an Emergency Fund be in a Roth
ALSO, emergencies aren't always minor. An emergency could be so substantial that it will quickly consume all of one persons retirement accounts. This happens often, leaving wards of the state and othe ...
  Topic: Should an Emergency Fund be in a Roth
tetractys

Replies: 27
Views: 1193

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 10, 2009 1:16 pm   Subject: Re: Should an Emergency Fund be in a Roth
The concept of an emergency fund within a Roth is an interesting concept; however, I tend to disagree with saving an emergency fund this way. A large part of this has to do with my more conservative ...
  Topic: How do you define "inflation?"
tetractys

Replies: 2
Views: 358

PostForum: Investing - Theory, News & General   Posted: Tue Nov 10, 2009 12:58 pm   Subject: How do you define "inflation?"
According to my computer, in the economics sense it is, "a general increase of prices and fall in the purchasing power of money." But there's also deflation, and generally fluctuation in the ...
  Topic: TIPS versus Series I Bonds
tetractys

Replies: 10
Views: 1244

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 10, 2009 12:48 pm   Subject: TIPS versus Series I Bonds

I think this page needs some updating. The judgments labeled "advantage" are overly subjective and paint some false pictures. Maybe those judgment calls should just be removed. -- Tet

T ...
  Topic: Inflation possibly understated by the Federal Government???
tetractys

Replies: 13
Views: 1122

PostForum: Investing - Theory, News & General   Posted: Tue Nov 10, 2009 11:58 am   Subject: Re: Inflation possibly understated by the Federal Government
Here are a couple of older newsletters from Bill Gross at Pimco. He obviously felt that CPI understates real inflation and he makes a pretty good argument.

http://www.pimco.com/LeftNav/Featured+Ma ...
  Topic: TIPS versus Series I Bonds
tetractys

Replies: 10
Views: 1244

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 10, 2009 11:39 am   Subject: TIPS versus Series I Bonds

I think this page needs some updating. The judgments labeled "advantage" are overly subjective and paint some false pictures. Maybe those judgment calls should just be removed. -- Tet
  Topic: Inflation possibly understated by the Federal Government???
tetractys

Replies: 13
Views: 1122

PostForum: Investing - Theory, News & General   Posted: Mon Nov 09, 2009 11:52 pm   Subject: Inflation possibly understated by the Federal Government???
Your not alone in your concerns. This question has been addressed on this forum many times. My suggestion would be to go to the various sources, and do your own research. Since I believe the horses he ...
  Topic: Why Premium Gas on Acura MDX vs Honda Pilot
tetractys

Replies: 48
Views: 6558

PostForum: Lounge - Consumer, Leisure, and General Interest   Posted: Sun Nov 08, 2009 11:48 pm   Subject: Re: Why Premium Gas on Acura MDX vs Honda Pilot
Can someone explain to me why the MDX requires premium gas in basic terms that I can understand?
Higher octane gasoline burns slower and more even, as opposed to lower octane gasoline which burns fas ...
  Topic: Fama responds to Fox's "Myth of the Rational Market&quo
tetractys

Replies: 46
Views: 2792

PostForum: Investing - Theory, News & General   Posted: Thu Nov 05, 2009 11:58 am   Subject: Fama responds to Fox's "Myth of the Rational Market&quo
EFF: The premise of the Fox book is that our current economic problems are largely due to blind acceptance of the efficient markets hypothesis (EMH), which posits that market prices reflect all availa ...
  Topic: Dear C of E: 11 yrs isn't the long run
tetractys

Replies: 32
Views: 1983

PostForum: Investing - Theory, News & General   Posted: Thu Nov 05, 2009 12:17 am   Subject: Re: Dear C of E: 11 yrs isn't the long run
Ten years seems to be a danger area. It seems to be a very common delusion that a ten-year holding period not only makes the risk of stocks all negligible, but all but guarantees actually getting thos ...
  Topic: Indexed Portfolio - Boglehead opinions
tetractys

Replies: 10
Views: 1098

PostForum: Investing - Help with Personal Investments   Posted: Tue Nov 03, 2009 11:08 pm   Subject: Re: Indexed Portfolio - Boglehead opinions
I'm working on a column on the costs of indexing and would like your opinion:
From what I've seen, fee only advisers are pretty open with their costs. Why not ask a few of them what's involved? -- Te ...
  Topic: SB Wizard Update Now Available
tetractys

Replies: 7
Views: 672

PostForum: Investing - Theory, News & General   Posted: Tue Nov 03, 2009 11:36 am   Subject: SB Wizard Update Now Available
Sure would be nice if this was available for Mac. There is the online version that's platform independent, and provides a nice savings bond list in HTML. But there's no way to export values to a sprea ...
  Topic: US charge Brazilian investors 2 percent?
tetractys

Replies: 25
Views: 1738

PostForum: Investing - Theory, News & General   Posted: Mon Nov 02, 2009 10:19 am   Subject: US charge Brazilian investors 2 percent?
The US is not charging 2% to invest in Brazil - Brazil is charging 2% to invest in them. Vanguard is merely passing this cost on to investors.
Come to think of it, it's the specific fund managers pas ...
  Topic: US charge Brazilian investors 2 percent?
tetractys

Replies: 25
Views: 1738

PostForum: Investing - Theory, News & General   Posted: Mon Nov 02, 2009 1:02 am   Subject: Re: US charge Brazilian investors 2 percent?
I think since brazil is charging me a load for investing in brazil via emerging, the US should charge brazilians the same load for investing in the US.
Are Brazilian's being charged also? And, is thi ...
  Topic: behavioral economics and Bogleheads philosophy?
tetractys

Replies: 32
Views: 1689

PostForum: Investing - Help with Personal Investments   Posted: Mon Nov 02, 2009 12:24 am   Subject: behavioral economics and Bogleheads philosophy?
Actually, the Boglehead method or discipline of investing fits quite nicely with behavioral economic tides. Even with today's broad evolution in economic theory, no better method of investing has been ...
  Topic: Rising interest rates
tetractys

Replies: 16
Views: 2229

PostForum: Investing - Help with Personal Investments   Posted: Sun Nov 01, 2009 11:25 pm   Subject: Rising interest rates
Retcaveman is correct. I bonds never go down in value. They can sit at 0% interest for a while, like they are doing now because of deflation; but they can never go down. They are a type of savings bon ...
  Topic: Software to track your asset allocation
tetractys

Replies: 24
Views: 1804

PostForum: Personal Finance (Not Investing)   Posted: Sun Nov 01, 2009 10:25 pm   Subject: Re: Software to track your asset allocation
Is there any software I can get that will automatically do this for me, including pulling the information from our accounts, adding everything up, giving me the option to display the information as I ...
  Topic: End of month Vanguard TIPS values appear to be wrong
tetractys

Replies: 1
Views: 326

PostForum: Personal Finance (Not Investing)   Posted: Sat Oct 31, 2009 7:51 pm   Subject: Re: End of month Vanguard TIPS values appear to be wrong
I just consulted my account values for Oct 30th. The prices that Vanguard lists for my TIPS bond valuations appear to be wrong.
Just wait a day or so and they'll be right again. This concern is raise ...
  Topic: Riddle me this: negative borrowing rates
tetractys

Replies: 21
Views: 1675

PostForum: Investing - Theory, News & General   Posted: Sat Oct 31, 2009 7:47 pm   Subject: Riddle me this: negative borrowing rates
Deferred income. -- Tet
  Topic: Importance of rebalancing during accumulation stage?
tetractys

Replies: 6
Views: 541

PostForum: Investing - Theory, News & General   Posted: Sat Oct 31, 2009 6:15 pm   Subject: Re: Importance of rebalancing during accumulation stage?
However, the more I think about it the more I think rebalancing during accumulation is not so important since the goal is to build a baseline of shares to keep for at least 10-15 years.
Thoughts? ...
  Topic: new I-bond rates due in November
tetractys

Replies: 39
Views: 4944

PostForum: Investing - Theory, News & General   Posted: Sat Oct 31, 2009 5:04 pm   Subject: Re: return earned?
So each $1000. I-bond purchased 4/01 is now worth $1703.20 and each $1000. I-bond purchased 5/01 is now worth $1598.80

What is my average yearly return on these as of today?
Anikat,

6.40% and 5 ...
  Topic: FREE Webinar! Great Speaker!
tetractys

Replies: 14
Views: 1625

PostForum: Investing - Theory, News & General   Posted: Sat Oct 31, 2009 2:10 pm   Subject: FREE Webinar! Great Speaker!
Tet

I just registered for the event and wasn't asked for any money. What happened when you registered?
Didn't register for either the webinar or the 30 day thing, so nothing happened. -- Tet
  Topic: Municipals vs taxable bond
tetractys

Replies: 5
Views: 584

PostForum: Investing - Help with Personal Investments   Posted: Sat Oct 31, 2009 2:02 pm   Subject: Municipals vs taxable bond
Your answer may lie here: http://www.bogleheads.org/wiki/Category:Tax_Considerations
Best regards, Tet
  Topic: Is gold more than 5% of your portfolio? 10%?
tetractys

Replies: 44
Views: 2301

PostForum: Investing - Help with Personal Investments   Posted: Sat Oct 31, 2009 1:52 pm   Subject: Re: Is gold more than 5% of your portfolio? 10%?
Everybody who gambles believes they they have some special insight into the future.
ok. Razz
I told him I'm a believer in the sound/boglehead principles. But could we have a bias on this forum? (I ...
  Topic: Is the U.S. the Next Japan? Larry Swedroe blog
tetractys

Replies: 10
Views: 1878

PostForum: Investing - Theory, News & General   Posted: Sat Oct 31, 2009 1:39 pm   Subject: Is the U.S. the Next Japan? Larry Swedroe blog
the amount of risk you take (your asset allocation)
I'm stuck on this bit ... .... ...... ................................
Well, we've all thought in endless circles at times, and suffered the ensui ...
 
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