Search found 4461 matches

by tetractys
Thu Mar 09, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 4680

Re: Car engines. Turbo vs no turbo

Blowers provide direct high volume air, so why settle for a puny lagging turbocharger? -- Tet
by tetractys
Wed Mar 08, 2017 12:25 am
Forum: Personal Finance (Not Investing)
Topic: Doing Taxes for VTIAX - 1st Time
Replies: 6
Views: 810

Re: Doing Taxes for VTIAX - 1st Time

Vanguard also sends another form with that information called, "Foreign Tax Paid." -- Tet
by tetractys
Wed Feb 22, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Calculating Obamacare penalty
Replies: 19
Views: 1015

Re: Calculating Obamacare penalty

If this was my question I would fill out the form to discover the answer. Or, I would contact the IRS and ask them. Relying on forum members who may or may not be qualified to give tax advice is not the best idea. -- Tet
by tetractys
Thu Feb 16, 2017 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Closed my Roth IRA due to political uncertainty - mistake???
Replies: 102
Views: 5833

Re: Closed my Roth IRA due to political uncertainty - mistake???

Has anyone mentioned yet that there's still time to open a Roth for 2016? So the withdrawn 2016 money can be put back in, I think, without penalty until the April deadline. -- Tet
by tetractys
Thu Feb 16, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Inflation fears
Replies: 16
Views: 1511

Re: Inflation fears

Some government accounts have a set percentage return that seems high because a good part of that comes from the employer's contribution. Maybe that's the case here. -- Tet
by tetractys
Thu Feb 09, 2017 6:14 pm
Forum: Investing - Theory, News & General
Topic: Is it wise to buy I bonds yielding lower than TIPS?
Replies: 18
Views: 1565

Re: Is it wise to buy I bonds yielding lower than TIPS?

I like to have annual paper statements around. Treasury Direct web pages with account information substitute for statements ( https://www.treasurydirect.gov/indiv/help/TDHelp/help_ug_02-Intro.htm ), so I print the page listing my i-bonds and showing my account number, etc--something for survivors to...
by tetractys
Sun Feb 05, 2017 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Do you account for likely life expectancy in retirement?
Replies: 63
Views: 4785

Re: Do you account for likely life expectancy in retirement?

There's a lot of tension between time hoped for and paying for a future dream. I've distilled it down to a retirement age rather than whether or not I'll have the money. So for me saving as much as reasonably possible until that time is the priority, and not reaching a certain dollar amount. Part of...
by tetractys
Tue Jan 31, 2017 5:52 pm
Forum: Investing - Theory, News & General
Topic: Are you changing your AA based on current events?
Replies: 68
Views: 3330

Re: Are you changing your AA based on current events?

Well I've veered from my path a little bit. Instead of going straight from 75/25 to 60/40 stocks/bonds at this point in my investing career, I've decided to do it in 5 annual steps: 72/28, 69/31, 66/34, 63/37, 60/40. That's somewhat contrary to fearful flight; but perhaps a reaction to circumstances...
by tetractys
Sun Jan 29, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: My Bank Put Someone Else's Money In My Account
Replies: 28
Views: 7341

Re: My Bank Put Someone Else's Money In My Account

Once in I think 1982, $500 landed in my bank account from an unknown source. The bank didn't seem able to determine where it came from. That was that. -- Tet
by tetractys
Sat Jan 28, 2017 11:41 pm
Forum: Personal Consumer Issues
Topic: Fire extinguishers
Replies: 45
Views: 2584

Re: Fire extinguishers

One in the laundry room downstairs. If there's ever a fire, hope I'm home, and hope I don't forget the key to the laundry room. -- Tet
by tetractys
Sat Jan 28, 2017 11:38 pm
Forum: Personal Finance (Not Investing)
Topic: Changing FICO Score
Replies: 42
Views: 3763

Re: Changing FICO Score

I've always thought credit limits were a product of earned trust, not credit rating. That's because the credit limits I've built over the years have been developed that way. I suppose with a couple million it might also be possible to buy that trust. -- Tet
by tetractys
Wed Jan 25, 2017 11:26 am
Forum: Investing - Help with Personal Investments
Topic: If We Know Bonds Will B Going Down.....
Replies: 24
Views: 2297

Re: If We Know Bonds Will B Going Down.....

I look at it the simple way, since I own bond funds. When interest rates rise and bond prices decline, then I receive higher interest to reinvest in lower priced bond shares, or in something else opportune. So far so good, it's worked fine. Maybe by timing the minutiae one can make a bunch of extra ...
by tetractys
Tue Jan 24, 2017 5:47 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 8590

Re: Swedroe's guidelines to Bonds

FROM VANGUARD'S WEBSITE: Total Bond Mkt Adm Inter-Term Bond Adm 1-year 2.60% 2.83% 3-year 2.94% 3.66% 5-year 2.14% 2.85% 10-year 4.29% 5.37% Av. mat. 8.3 years 7.2 years Av. dur. 6.0 years 6.5 years Av.coup. 3.1% 2.8% The inclusion or non-inclusion of MBS's is the largest factor that differentiates...
by tetractys
Tue Jan 24, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 8590

Re: Swedroe's guidelines to Bonds

I've been following Larry's guidelines, for the most part, since his bond book came out. In taxable I use Vanguard Inter-Term Tax-Exempt Adm. In tax deferred I hold intermediate term Inflation-indexed securities along with intermediate term bonds. I try to avoid mortgage backed securities, which is ...
by tetractys
Mon Jan 23, 2017 11:12 pm
Forum: Investing - Help with Personal Investments
Topic: Is a backdoor Roth IRA really worth it?
Replies: 21
Views: 2160

Re: Is a backdoor Roth IRA really worth it?

Has anyone mentioned the inheritor benefit? For anyone having an aspiration of passing on a tax-free inheritance, there it is. Even a small Roth IRA could be quite a security blanket for a youngster. -- Tet
by tetractys
Mon Jan 23, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: Hypo: What would you do if you were SURE of impending deline in markets
Replies: 62
Views: 4301

Re: How would you invest if you were SURE of short-term deline in markets

Even if I was sure of a "short-term decline", as you say, I might not do anything at all. Often times one finds the time and trouble of reacting not worth the return. If it does eventually become worth it, my portfolio is set up to indicate that at the appropriate time, regardless of the ...
by tetractys
Sun Jan 22, 2017 11:01 pm
Forum: Investing - Theory, News & General
Topic: Hypo: What would you do if you were SURE of impending deline in markets
Replies: 62
Views: 4301

Re: How would you invest if you were SURE of short-term deline in markets

Even if I was sure of a "short-term decline", as you say, I might not do anything at all. Often times one finds the time and trouble of reacting not worth the return. If it does eventually become worth it, my portfolio is set up to indicate that at the appropriate time, regardless of the p...
by tetractys
Sun Jan 22, 2017 2:21 pm
Forum: Personal Finance (Not Investing)
Topic: Do you check your credit reports annually?
Replies: 48
Views: 2897

Re: Do you check your credit reports annually?

I pay my bills, reconcile my accounts, and jump on fraud. I have no need to suck up to the credit report scam artists--never have, never will. -- Tet
by tetractys
Mon Jan 16, 2017 7:19 pm
Forum: Personal Consumer Issues
Topic: Treasury Direct Account Locked
Replies: 35
Views: 3100

Re: Treasury Direct Account Locked

I've been locked out in a similar situation.

Surprisingly, after all the complaints I've heard, it took less than 5 minutes to call the customer service number and have it immediately unlocked. While I was on the phone they also confirmed my info so it wouldn't happen again. -- Tet
by tetractys
Thu Jan 12, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: [Redemptions missing from Treasury Direct Account]
Replies: 20
Views: 1111

Re: Fraud in Treasury Direct Account

Where did the redemption go, if it didn't go into your or your wife's bank account? I thought redemptions into the owners account was the only option. -- Tet
by tetractys
Tue Dec 20, 2016 7:02 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 7505

Re: Hard Endeavor/Exercise in Middle Age

For myself I engage in exercise that: 1. challenges my mind 2. increases coordination and balance 3.. pushes my body to be symmetrical 4. doesn't take up extra time 5. gets the heart rate and wind up fast and keeps it there a few minutes. 6. burns. What fulfills these things changes all the time. So...
by tetractys
Wed Dec 14, 2016 10:27 pm
Forum: Personal Consumer Issues
Topic: Learning an instrument as an adult? Seven Week Update
Replies: 131
Views: 11249

Re: Learning an instrument as an adult?

I think at 43 I may want to have another go. Not the trumpet. In fact, nothing that requires me to blow air. One thing I've learned over the years is that I have a knack for manipulating tools with my hands and fingers...and, even though I understand it may be an awful choice, I'm wondering if the ...
by tetractys
Wed Dec 14, 2016 10:12 pm
Forum: Personal Consumer Issues
Topic: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)
Replies: 136
Views: 7907

Re: Front Wheel Drive (FWD) vs All Wheel Drive (AWD)

It's simple physics, all wheel drive is better than two wheel drive. Where the two wheel drive comes from, front or back, is immaterial. Most two wheel drives are limited slip, which is not great for gripping either. -- Tet
by tetractys
Sat Dec 10, 2016 6:02 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 2530

Re: Do you think Slice and Dice makes it harder to stay the course?

Choosing a slice and dice portfolio has nothing to do with whether or not the investor stays the course or not. It is purely the investor's makeup and perceptions that determine how he/she might behave. If one decides to stay the course, they will. If one fools their self into thinking they've decid...
by tetractys
Sat Dec 10, 2016 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: How do you save copies of your tax forms and supporting docs?
Replies: 27
Views: 2095

Re: How do you save copies of your tax forms and supporting docs?

I save paper in a really thick folder, and PDFs on my computer. -- Tet
by tetractys
Mon Nov 28, 2016 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 1183

Re: Expedite Transactions through Vanguard Secure Email?

Today I talked to a Vanguard rep and this is what he told me.

For transactions by letter, Vanguard requires the original with inked and dated signature. That means no faxes or emailed copies.

Tet
by tetractys
Sun Nov 27, 2016 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 1183

Re: Expedite Transactions through Vanguard Secure Email?

So what I've found out is that with the "automatic transactions," exchanges only work with non-brokerage accounts, and sells and buys seem to only send or receive funds to certain accounts, limiting its usefulness. The secure email is just as Stlutz and Grabiner have described. It does all...
by tetractys
Sat Nov 26, 2016 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 1183

Re: Expedite Transactions through Vanguard Secure Email?

DSInvestor wrote:TIP: If you use an automatic transaction to sell or exchange shares, it does not trigger frequent trading restriction.

That's a good tip; I had no idea and will remember it for the future.

Thanks--Tet
by tetractys
Sat Nov 26, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Expedite Transactions through Vanguard Secure Email?
Replies: 9
Views: 1183

Expedite Transactions through Vanguard Secure Email?

What's a good way to send a fax to Vanguard for a transaction on a fund that's locked due to the frequent trading rules?. A have a letter ready for the transactions. Will sending it as a PDF attachment through Vanguard's Secure Email work? Or is there a better way? Or do I actually have to fax it? T...
by tetractys
Thu Nov 24, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Stock market in record territory vs Re-balancing portfolio
Replies: 5
Views: 943

Re: Stock market in record territory vs Re-balancing portfolio

As long as there are no tax consequences it can't hurt to rebalance, can it? -- Tet
by tetractys
Mon Oct 31, 2016 10:45 pm
Forum: Investing - Theory, News & General
Topic: Why can't stocks be deterministically/objectively/mechanically priced?
Replies: 75
Views: 4560

Re: Why can't stocks be deterministically/objectively/mechanically priced?

The simple and unfortunate(?) answer is that people by general nature exercise greed and power to grab more than their fair share from other weaker peoples. This is also why the famous 'invisible hand' only works to a certain point, and then needs to be regulated. So to valuate a company accurately,...
by tetractys
Sun Oct 30, 2016 10:18 pm
Forum: Personal Finance (Not Investing)
Topic: person not following through after scraping my car
Replies: 19
Views: 2835

Re: person not following through after scraping my car

Set up a claim with your own insurance company. -- Tet
by tetractys
Sun Oct 30, 2016 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Would it be worth going into college if I'm not sure of what I want to do?
Replies: 47
Views: 3856

Re: Would it be worth going into college if I'm not sure of what I want to do?

Go. Your mind will be expanded in ways you can't even imagine now, and it will offer you great happiness. It's fine to have a path in mind; but don't nail other doors shut until you at least glimpse what's behind them--notice the correspondences. -- Tet
by tetractys
Wed Oct 26, 2016 12:17 am
Forum: Personal Consumer Issues
Topic: Chocolate Recommendations
Replies: 64
Views: 4054

Re: Chocolate Recommendations

No recommendation. I think the fake stuff tastes a lot better. -- Tet
by tetractys
Sat Oct 22, 2016 11:06 pm
Forum: Investing - Theory, News & General
Topic: How to know phone call from mutual fund company is legitimate?
Replies: 18
Views: 1763

Re: How to know phone call from mutual fund company is legitimate?

Any phone calls like that I assume are illegitimate and hang up. If there's any lingering doubt, I might initiate the contact later. Most likely I would report the number to the national do not call list. -- Tet
by tetractys
Sun Oct 16, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: Do Bogleheads use Robo Advisors?
Replies: 39
Views: 4095

Re: Do Bogleheads use Robo Advisors?

No. I think a personal investment plan serves the same purpose as a robot advisor sans the marketing, and is more personally customizable and cheaper. And further I think the youngsters mentioned above who are just starting out would be far better served making regular contributions to an inexpensiv...
by tetractys
Tue Sep 27, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6698

Re: How it really feels to have investments during a bear market?

I am only curious, how does it really feels when the market "crashes"? How difficult is it to fight (sheep following) and not locking your losses? Or it is not that difficult after all with good education? Would you personally share how did you feel and how did you react during the 2008 c...
by tetractys
Thu Aug 25, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Four years old spilled dark nail Polish on carpet
Replies: 8
Views: 1358

Re: Four years old spilled dark nail Polish on carpet

Pretty simple if it's a wall-to-wall type of carpet; cut out the bad piece and replace it with a good piece of identical carpet. -- Tet
by tetractys
Tue Aug 16, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2755

Re: Knowing what you know now...

Would any of you other late comers to Boglehead-style wealth building have taken the ultra thrifty route to early retirement, given a chance to re-live your twenties? The possibility is there, but the infinite results from that are unknowable. My life's pretty good now, whereas even with good Bogle...
by tetractys
Tue Aug 16, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and fund selection feedback
Replies: 3
Views: 484

Re: Asset allocation and fund selection feedback

h82goslw, Welcome! I looks like you and your wife have decided portfolio risk and want to put together a 3 fund portfolio of 40% US, 30% X US, and 30% Fixed. Is this correct? But one of the funds you show above is an all-in-one target type fund: Googling it gives, "The Morningstar Lifetime Mode...
by tetractys
Mon Aug 15, 2016 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Interest Credit
Replies: 6
Views: 907

Re: I-Bond Interest Credit

That's right. I-bonds carry a 3 months interest penalty for 5 years. At five years the value jumps when the 3 months penalty gets added in. After 3 months the first month's interest shows up in the value. For the first year I-bonds cannot be redeemed at all. -- Tet
by tetractys
Sun Aug 14, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 128
Views: 20691

Re: How much international stock? A suggestion.

I never have understood the argument that one must adhere to global weighting. The arguments for it lack solidity. Cap weighting a fund of an individual asset makes sense for lower costs and efficiency; but applying that to the entire world market is an odd leap. The idea that one should emulate a w...
by tetractys
Sat Aug 13, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 9955

Re: Are you on Facebook?

No, not on Facebook. It's too ugly and I already have some web sites. -- Tet
by tetractys
Sat Aug 13, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2641

Re: How often do you adjust your AA to account for your age?

Never. But I am going to adjust it for retirement. It doesn't seem to take all that long for portfolios to recover, so why bother? -- Tet
by tetractys
Sat Aug 13, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 4392

Re: How many credit cards are too many?

How many credit cards can you have before it becomes a problem? Never have had so many CCs that it's been a problem, in any respect. But I think less is better. A thinner wallet is certainly easier on the back pocket. One thing I've done to make life easier at home is to put all my CCs into one acc...
by tetractys
Sat Aug 13, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Wanted: Spreadsheet to help manage contributions
Replies: 15
Views: 1158

Re: Wanted: Spreadsheet to help manage contributions

I use my own spreadsheet, with a total portfolio value that includes future annual contributions. Then I contribute to the asset that needs the most to converge to a balanced portfolio at the end of the year. I also use 5/25 bands; but they aren't triggered to often. Sometimes, like recently when In...

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