Search found 4348 matches

by tetractys
Wed May 04, 2016 10:34 pm
Forum: Investing - Theory, News & General
Topic: Your age in bonds minus ten? Not according to Vanguard
Replies: 80
Views: 4302

Re: Your age in bonds minus ten? Not according to Vanguard

I'm 25% in fixed income until 5 years before retirement, or until I spontaneously decide to retire--or, who knows?, until I go 100% house. The math is right for me. -- Tet
by tetractys
Wed May 04, 2016 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard represent me with the rollover?!
Replies: 14
Views: 1298

Re: Can Vanguard represent me with the rollover?!

I have transferred a 401(k) into a rollover IRA at Vanguard in kind, so with all due respect iomichele, this cannot be true in all cases. -- Tet Then it was an internal rollover...Vanguard 401k to Vanguard IRA. Securities cannot be sent through EFT or wire, so anything between two different firms l...
by tetractys
Sat Apr 30, 2016 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Can Vanguard represent me with the rollover?!
Replies: 14
Views: 1298

Re: Can Vanguard represent me with the rollover?!

In my experience, definitely call Vanguard to get the paperwork, ask them to help you check for mistakes after you fill it out, and then send it in. If your former custodian is going to charge transaction fees, also ask Vanguard about that--they have preformed some magic alchemy for me on occasion. ...
by tetractys
Wed Apr 27, 2016 9:56 pm
Forum: Investing - Theory, News & General
Topic: Why not ETFs?
Replies: 57
Views: 3658

Re: Why not ETFs?

I gave up on ETFs because they require a settlement fund in the account, and I was tired of that. With mutual funds, no settlement fund is required. So now I only have 1 out of 5 accounts with a yucky settlement fund. -- Tet
by tetractys
Tue Apr 26, 2016 5:02 pm
Forum: Investing - Theory, News & General
Topic: Wrong cost basis method used by Vanguard
Replies: 58
Views: 6475

Re: Wrong cost basis method used by Vanguard

Doc,

Your faster than me, I can't seem to keep up. -- Tet
by tetractys
Tue Apr 26, 2016 4:59 pm
Forum: Investing - Theory, News & General
Topic: Wrong cost basis method used by Vanguard
Replies: 58
Views: 6475

Re: Wrong cost basis method used by Vanguard

Hey, I have to agree: Bull Sith. Definitely a bug, and Vanguard must fix it. And I'm certain that the IRS would have to be lenient and cater to the transactioner as well.-- Tet
by tetractys
Tue Apr 26, 2016 4:56 pm
Forum: Investing - Theory, News & General
Topic: Wrong cost basis method used by Vanguard
Replies: 58
Views: 6475

Re: Wrong cost basis method used by Vanguard

It does take Vanguard a long time to mail the verifications, in my experience. If I remember correctly, mine have arrived at times after maybe 4 or 5 months, but before tax time. -- Tet
by tetractys
Tue Apr 26, 2016 4:48 pm
Forum: Investing - Theory, News & General
Topic: Wrong cost basis method used by Vanguard
Replies: 58
Views: 6475

Re: Wrong cost basis method used by Vanguard

I specify and make sure all transaction details, including cost basis, are updated properly. It is up to the investor to do this ahead of any transaction. If it's Vanguard's mistake (and when it has been in my personal experience), Vanguard has, should and will correct it--I can't imagine they would...
by tetractys
Tue Apr 26, 2016 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Why have a formal budget?
Replies: 82
Views: 4914

Re: Why have a formal budget?

Do not have, and never have had a budget, so to speak. But I do do things occasionally, behaviorally that I think amount to budgeting. For example, lately for the last few weeks, I've refused to dine out while working, and instead have either brought food from home, or spent the day not eating. The ...
by tetractys
Wed Apr 20, 2016 9:07 pm
Forum: Investing - Theory, News & General
Topic: Rick Ferri to start robo advisor business
Replies: 10
Views: 4691

Re: Rick Ferri to start robo advisor business

You'd think there'd be a chip for that by now! -- Tet
by tetractys
Wed Apr 20, 2016 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: What do you wish you had known in your early 20's?
Replies: 46
Views: 4205

Re: What do you wish you had known in your early 20's?

I'm glad for the ignorance of my twenties; can't say where I'd be if it wasn't for that. -- Tet
by tetractys
Tue Apr 19, 2016 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: Got laid off, when can I file for unemployment?
Replies: 44
Views: 4594

Re: Got laid off, when can I file for unemployment?

Your boss should give you full information. But if not, call your local unemployment insurance office. I would think you can at least begin the process immediately.

Best of luck, may new doorways open to you. -- Tet
by tetractys
Tue Apr 19, 2016 12:29 pm
Forum: Investing - Theory, News & General
Topic: What is "wrong" with having more funds in a portfolio?
Replies: 70
Views: 3685

Re: What is "wrong" with having more funds in a portfolio?

Even in tax sheltered accounts, after a time, maybe a few or several years, the maintenance will become a big pain all over. In a taxable account?--Sheesh!!!

It also sounds like some education via Modern Portfolio Theory is needed, and then implement with the simplest approach possible. -- Tet
by tetractys
Mon Apr 11, 2016 10:46 pm
Forum: Personal Finance (Not Investing)
Topic: Help please - Vanguard money market causes Quicken to be incorrect
Replies: 14
Views: 1227

Re: Help please - Vanguard money market causes Quicken to be incorrect

I input all MM as cash in quicken, and don't use the fund symbol. Dividends from MM's I input as interest. -- Tet
by tetractys
Sun Apr 10, 2016 11:10 pm
Forum: Personal Consumer Issues
Topic: Need Super Epoxy / Glue / Adhesive for external stone to metal connection
Replies: 21
Views: 1301

Re: Need Super Epoxy / Glue / Adhesive for external stone to metal connection

I would think about trying small lead pins set into the stone loosely held by downward force parallel too gravity. Would not use any kind of glue. If I were to find a tried and true method, off the cuff would start with medieval and renaissance stonemasonry. -- Tet
by tetractys
Thu Apr 07, 2016 11:44 am
Forum: Investing - Help with Personal Investments
Topic: Father wants me to invest 15,000 for him.....
Replies: 23
Views: 2368

Re: Father wants me to invest 15,000 for him.....

When I have been involved with someone else's investments, the need to keep things very simple really came to the forefront. Ascertain risk, then choose something like one of Vanguard's LifeStrategy Funds. If your Dad can use the extra income, the bonds in the fund shouldn't be a problem. -- Tet
by tetractys
Thu Apr 07, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Information on non-profit Shelter or Soup kitchen
Replies: 9
Views: 472

Re: Information on non-profit Shelter or Soup kitchen

Agree with others here: Definitely volunteer and learn the business. Check out UGM (Union Gospel Mission) in Seattle. -- Tet
by tetractys
Thu Apr 07, 2016 9:07 am
Forum: Personal Consumer Issues
Topic: Anything to look for when buying a fridge?
Replies: 38
Views: 2901

Re: Anything to look for when buying a fridge?

Noise volume. Refers should be nearly silent. -- Tet
by tetractys
Wed Apr 06, 2016 5:17 pm
Forum: Investing - Help with Personal Investments
Topic: Investing during recession
Replies: 32
Views: 2466

Re: Investing during recession

Plenty of steam now; but maybe later, to pick up steam, shovel in more coal. When your portfolio is low, that's the time to tighten the belt and invest as much as you possibly can. -- Tet
by tetractys
Tue Apr 05, 2016 2:57 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 2081

Re: Vanguard Website Down?

I haven't noticed the site being down at all, and I've just spent most of the morning liquidating several stock positions and replacing them with mutual funds. -- Tet
by tetractys
Tue Apr 05, 2016 2:49 pm
Forum: Investing - Theory, News & General
Topic: Baby Boomers Doubling in next 20 yrs predictions ?
Replies: 50
Views: 3971

Re: Baby Boomers Doubling in next 20 yrs predictions ?

Where I work there's a lot of baby boomer retirement. I just started working there a few years ago, even though I'm a boomer too, and have enjoyed the ensuing quick move-up in seniority. It's rumored that boomers will overwhelm retirement systems with their numbers; but on the other hand, they seem ...
by tetractys
Tue Apr 05, 2016 12:43 pm
Forum: Personal Finance (Not Investing)
Topic: Can Now Cancel Vanguard Mutual Fund Transactions
Replies: 7
Views: 706

Re: Can Now Cancel Vanguard Mutual Fund Transactions

It appears to me, by the look of the cancel links next to Vanguard VBS orders, that orders can be cancelled up to the time of execution. I tried going to the set up, which worked, but haven't tried actually going through with the cancelation. But it looks real to me, and not fake. -- Tet
by tetractys
Tue Apr 05, 2016 12:39 pm
Forum: Personal Finance (Not Investing)
Topic: 401k 457b Fees
Replies: 6
Views: 560

Re: 401k 457b Fees

I think it's fairly rare to have a fixed fee rather than a percentage for workplace plans, though perhaps the fixed fee is more common for government plans. Whether this is a problem for you depends somewhat on the size of your investments in the plan.... Patrick, Happy to say the size of my invest...
by tetractys
Tue Apr 05, 2016 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Can Now Cancel Vanguard Mutual Fund Transactions
Replies: 7
Views: 706

Can Now Cancel Vanguard Mutual Fund Transactions

Once accounts are transferred to VBS, Mutual Fund transactions can be canceled, just like ETF and Stock transactions. I was surprised and delighted when I noticed this today. -- Tet
by tetractys
Mon Apr 04, 2016 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: 401k 457b Fees
Replies: 6
Views: 560

401k 457b Fees

This year my employer stopped covering the fees for our 457(b), so now we, the employees have to pay $16.50 per quarter. Is this a high fee?

Thanks, Tet
by tetractys
Sun Apr 03, 2016 10:29 pm
Forum: Investing - Theory, News & General
Topic: Tony Robbins Joins Advisory Firm
Replies: 27
Views: 3282

Re: Tony Robbins Joins Advisory Firm

For others, like me, who have never heard of Tony Robbins, here's some info.

Best regards -- Tet
by tetractys
Thu Mar 31, 2016 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: 2 Buckets or 3 Buckets in Retirement??
Replies: 65
Views: 6212

Re: 2 Buckets or 3 Buckets in Retirement??

I saw the buckets of money book in a book store many years ago, looked through the table of contents, shuffled through the introductory chapter for a few moments, and then put it back on the shelf, concluding without really even thinking that, "this is a pretty useless way to divide things up.&...
by tetractys
Wed Mar 30, 2016 5:44 pm
Forum: Investing - Theory, News & General
Topic: Got a Question for Jack Bogle? Post it Here.
Replies: 56
Views: 4921

Re: Got a Question for Jack Bogle? Post it Here.

Repeat bump (I am a bit surprised by the meager response to this thread). I'm not. Mr. Bogle's views are clear and ubiquitous, and I think this board is well aware of them. But if I had the privilege of meeting Mr. Bogle in person I might offer him a handshake and ask him how he and his family are....
by tetractys
Tue Mar 29, 2016 11:31 am
Forum: Investing - Help with Personal Investments
Topic: 3 fund, 4 fund, 28 fund portfolio???
Replies: 28
Views: 1863

Re: 3 fund, 4 fund, 28 fund portfolio???

Fair enough, fair enough. When it comes to yearly rebalancing, consistent deposits (and therefore buying more shares), how do you guys deal with trading fees? Currently im with scottrade (7$/trade). If I try to deposit a $500/month I still have to buy 3 shares ($21 if a 3 fund portfolio). Are these...
by tetractys
Tue Mar 29, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: leaving vanguard due to math errors / poor customer service?
Replies: 92
Views: 8977

Re: leaving vanguard due to math errors / poor customer service?

I think it would be easier to work for the solutions than to switch to another broker (The grass is not always greener.) -- Tet
by tetractys
Mon Mar 28, 2016 8:29 pm
Forum: Investing - Theory, News & General
Topic: Foot Locker stock up ~2% after announcement of inclusion in S&P 500. Contradiction of EMH?
Replies: 15
Views: 1342

Re: Foot Locker stock up ~2% after announcement of inclusion in S&P 500. Contradiction of EMH?

krill wrote:Doesn't this move contradict the Efficient-Market Hypothesis?

The move supports EMH, demonstrating the market's efficient implementation of new information. -- Tet
by tetractys
Mon Mar 28, 2016 8:19 pm
Forum: Personal Finance (Not Investing)
Topic: Unwanted cold call from Mass Mutual agent
Replies: 45
Views: 3286

Re: Unwanted cold call from Mass Mutual agent

I think most public employee's contact information is public information, so not much can be done about that. But there is the national do not call list , which anyone can add their phone number to. Then it is illegal for any vendors to call you. If they do, just inform them your on the list, and re...
by tetractys
Mon Mar 28, 2016 6:42 pm
Forum: Personal Consumer Issues
Topic: Moving my life into a storage unit
Replies: 42
Views: 3678

Re: Moving my life into a storage unit

Caduceus wrote:I am debating the pros and cons of moving almost everything I own into a storage unit and moving to a studio apartment. ... Everything fits into a tiny 4 x 6 x 8 storage unit...

A slightly bigger studio, or one that includes a storage area, might cost about the same and also hold your stuff. -- Tet
by tetractys
Sun Mar 27, 2016 10:49 am
Forum: Personal Finance (Not Investing)
Topic: Possible to ask for a duplicate credit card?
Replies: 10
Views: 809

Re: Possible to ask for a duplicate credit card?

Why not wear a bandolier of CC's? -- Tet
by tetractys
Sun Mar 27, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: "Mitigating the Risks of Cognitive Decline"
Replies: 45
Views: 5016

Re: "Mitigating the Risks of Cognitive Decline"

I keep seeing the thread title and thinking about how exercise mitigates cognitive decline. Intensive exercise may keep the aging mind sharp Some of us can do that, for others a trust might be the best option: < Lazy? Your Genes May Be to Blame >. I don't believe this though, having seen enough hum...
by tetractys
Sat Mar 26, 2016 10:28 pm
Forum: Investing - Theory, News & General
Topic: TIPS Anyone?
Replies: 92
Views: 7188

Re: TIPS Anyone?

Here's an article by Larry Swedroe that's a little over a year old; but it's instructive:
[url]http://www.etf.com/sections/index-investor-corner/swedroe-close-look-zweig’s-tips-tip[/url]

I've had the same TIPS allocation since 2004. -- Tet
by tetractys
Fri Mar 25, 2016 11:21 pm
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and not hold international equity?
Replies: 38
Views: 3281

Re: Can you be a Boglehead and not hold international equity?

When quoting Jack Bogle, it's a good idea to use his later books. "On Mutual Funds" is rather dated. I don't have the stuff to quote on hand; but J. B. does, in his more recent books, advocate some international. That said, it should be clear by now on this thread that whether or not one ...
by tetractys
Thu Mar 24, 2016 10:52 am
Forum: Investing - Theory, News & General
Topic: The Next 40 Years
Replies: 35
Views: 3720

Re: The Next 40 Years

For those that have invested for the past 30+ years and are now in a safer allocation. How would you feel about future gains if you were just starting out today? Have you ever had the same feelings I do now in the past? clayr361, I've only been investing for the last 19 years, and I still have some...
by tetractys
Thu Mar 24, 2016 9:55 am
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and not hold international equity?
Replies: 38
Views: 3281

Re: Can you be a Boglehead and not hold international equity?

When quoting Jack Bogle, it's a good idea to use his later books. "On Mutual Funds" is rather dated. I don't have the stuff to quote on hand; but J. B. does, in his more recent books, advocate some international. That said, it should be clear by now on this thread that whether or not one i...
by tetractys
Wed Mar 23, 2016 7:39 pm
Forum: Investing - Theory, News & General
Topic: Can you be a Boglehead and not hold international equity?
Replies: 38
Views: 3281

Re: Can you be a Boglehead and not hold international equity?

stratton wrote:This appears to be turning into anther Boglehead "purity" thread.

:annoyed

Paul

Bogleheads should not be discriminated against based on the cleanliness of their portfolios. -- Tet
by tetractys
Wed Mar 23, 2016 3:21 pm
Forum: Personal Consumer Issues
Topic: Replace auto wiper blades vs inserts
Replies: 31
Views: 2627

Re: Replace auto wiper blades vs inserts

What's best or easiest really depends on your car. for example, if you have a newer car with contoured wipers, it might be nearly impossible to find blades, and even if a mail order outlet lists that they fit, there's a good chance they won't... and etc. On the other hand, cars that use standard wip...
by tetractys
Fri Mar 18, 2016 11:43 pm
Forum: Investing - Theory, News & General
Topic: The Elusive Rebalancing Bonus, An Analysis
Replies: 104
Views: 7508

Re: The Elusive Rebalancing Bonus, An Analysis

Yearly of course would not work, unless it just happen to coincide with the times when at least two of the assets are out a good deal in opposite directions, every time. But what are the chances for that? So like I said, a study would have to emulate a real life portfolio being rebalanced (and sorr...
by tetractys
Tue Mar 15, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: The Elusive Rebalancing Bonus, An Analysis
Replies: 104
Views: 7508

Re: The Elusive Rebalancing Bonus, An Analysis

Yearly of course would not work, unless it just happen to coincide with the times when at least two of the assets are out a good deal in opposite directions, every time. But what are the chances for that? So like I said, a study would have to emulate a real life portfolio being rebalanced (and sorry...
by tetractys
Tue Mar 15, 2016 3:23 pm
Forum: Investing - Theory, News & General
Topic: The Elusive Rebalancing Bonus, An Analysis
Replies: 104
Views: 7508

Re: The Elusive Rebalancing Bonus, An Analysis

It's worked well for me, whatever anyone wants to call it. I think that's because I've used bands to rationally buy low and sell high. The logic is simple. Trying to refute it is akin to arguing that if a car dealer sells a car above the cost of its purchase and expenses, they lost money. Analysis t...
by tetractys
Sat Mar 12, 2016 10:16 pm
Forum: Investing - Theory, News & General
Topic: "Monitor Your Portfolio Once This Year, Then Ignore It"
Replies: 53
Views: 6622

Re: "Monitor Your Portfolio Once This Year, Then Ignore It"

Well yes, of course it depends on where you're at, your plan, and what kind of portfolio you have.

Someday I hope to be in the blissful situation of only needing a once a year peek. :sharebeer

I pray it won't be from a wheelchair -- Tet
by tetractys
Sat Mar 12, 2016 10:11 pm
Forum: Investing - Theory, News & General
Topic: Your stock funds closed at highest [so far] of 2016 today
Replies: 35
Views: 4380

Re: Your stock funds closed at highest [so far] of 2016 today

NYCwriter wrote:Well, I'm glad that I stayed the course and added money to things when everything was low.

Me too. That's how it's done! -- Tet
by tetractys
Sat Mar 12, 2016 10:07 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Altria (tobacco) shares?
Replies: 18
Views: 1975

Re: Should I sell my Altria (tobacco) shares?

cheesepep wrote:I first started buying Altria at under $20. The first rule of Altria stock is to never sell. Not only do I have a huge appreciation, but have over 10% YOC annually.
Wow, that's almost as good as VINIX. -- Tet
by tetractys
Sat Mar 12, 2016 9:55 pm
Forum: Personal Consumer Issues
Topic: Mattress Topper & Pillow Recommendations
Replies: 16
Views: 1375

Re: Mattress Topper & Pillow Recommendations

My neighbor just bought a memory foam topper, whatever that is. I know because I found the box in the recycle bin, looking for something to transport books to the book offloading store. Two pillows are nice, one nice and soft for sleeping flat on the back, and then another high side one for side sle...
by tetractys
Sat Mar 12, 2016 9:48 pm
Forum: Investing - Theory, News & General
Topic: New Yorker: Is Passive Investing Actively Hurting the Economy?
Replies: 36
Views: 5090

Re: New Yorker: Is Passive Investing Actively Hurting the Economy?

I believe passive investing helps the economy. It's not brokerage houses that hold things up, it's the people. -- Tet
by tetractys
Sat Mar 12, 2016 9:46 pm
Forum: Investing - Help with Personal Investments
Topic: Should I sell my Altria (tobacco) shares?
Replies: 18
Views: 1975

Re: Should I sell my Altria (tobacco) shares?

I am also in the process of selling shares of stock. My plan is to patiently trade, that is set a price with a GTC order, and then wait around for however long it takes. My shares came from an inheritance. I like owning mutual funds better. -- Tet

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