Search found 4471 matches

by tetractys
Sun Apr 23, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 910

Re: foreign tax credit for international stocks

It used to be a fund of funds; but no longer. It's now a single fund investing in the stocks of one index. Check out the fund page and see for yourself. -- Tet
by tetractys
Sun Apr 23, 2017 3:40 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 30
Views: 1826

Re: Alaska cruise advice

Skip the canned smoked salmon. -- Tet
by tetractys
Sun Apr 23, 2017 1:18 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard fund for Roth IRA
Replies: 14
Views: 1044

Re: Which Vanguard fund for Roth IRA

camsco181 wrote:Thanks for the advise. Why try and have international stock in taxable acct?
That's to get the foreign tax credit on USA taxes, since in the fund your already paying foreign taxes. -- Tet
by tetractys
Fri Apr 21, 2017 4:37 pm
Forum: Investing - Theory, News & General
Topic: White Gold ??? [question about newletter claim]
Replies: 21
Views: 1594

White Gold ??? [question about newletter claim]

What's this:

This Breakthrough "Superfuel" is 1,693X More Powerful Than Gasoline

Unearthed in the Andes Mountains, these mysterious crystals contain what MIT researchers call energy’s “Holy Grail.” And they could ignite a $7.2 trillion economic revolution!


Comments? -- Tet
by tetractys
Fri Apr 21, 2017 4:27 pm
Forum: Personal Consumer Issues
Topic: Removing a tree - expensive!!!
Replies: 81
Views: 6313

Re: Removing a tree - expensive!!!

My thoughts have always been that there should be interurban loggers that pay for trees. -- Tet
by tetractys
Fri Apr 21, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Periodic Investing and Wanting the Market to Drop
Replies: 28
Views: 3151

Re: Periodic Investing and Wanting the Market to Drop

For financial market participants, it's wise to keep emotions out of the equation. Happiness depends on ones position, and each situation affords varying amounts of happiness and/or sadness to it's participants. At the final sale of a stock the price is set at some unknown future value, where shares...
by tetractys
Wed Apr 19, 2017 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity ethics moving to Vanguard
Replies: 35
Views: 3892

Re: Fidelity ethics moving to Vanguard

I've had situations when an institution was clearly breaking some kind of law, like false advertising or adding a fee when there was no legitimate reason to do so. Both times it was simple to document and complain to the SCC, who stepped right with some kind of intervention (maybe a spanking?). On t...
by tetractys
Tue Apr 18, 2017 10:14 am
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 5225

Re: How to make best use of lunch with the company president/CEO?

I've been to a few of these and have never been fully happy with my own handling of them. I was always caught a little off guard I think. One time the president complimented me directly and asked my personal plans for the future. This just took me aback and I blurted out something about not being ab...
by tetractys
Mon Apr 17, 2017 4:54 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 6347

Re: Is there any reason a buy-and-hold investor would buy gold?

Is there any reason a buy-and-hold investor would buy gold? If everything goes sour, and gold retains some value, an easily carried pouch of small gold coins might come in handy, or get you killed. After considering everything over the years, that's about all I've come up with so far. Still have not...
by tetractys
Mon Apr 17, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: "Vanguard's free RMD Service: Sign up before you turn 70½"
Replies: 23
Views: 2547

Re: "Vanguard's free RMD Service: Sign up before you turn 70½"

It's not just for 70.5'ers; younger folks can use the RMD service as well, such as holders of inherited IRA's. And it's flexible, so one can have the withdrawal amount calculated and the forms generated; but still control when and how the withdrawals are taken. -- Tet.
by tetractys
Thu Mar 09, 2017 6:37 pm
Forum: Personal Consumer Issues
Topic: Car engines. Turbo vs no turbo
Replies: 68
Views: 5234

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: 853

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: 1073

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: 6227

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: 1564

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: 1633

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: 4883

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: 3484

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: 7703

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: 2649

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: 4128

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: 2346

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: 8844

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: 8844

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: 2305

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: 4571

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: 4571

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: 2994

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: 3179

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: 1163

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: 8335

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? Three Month Update
Replies: 135
Views: 12348

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: 8380

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: 2581

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: 2166

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: 1222

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: 1222

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: 1222

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: 1222

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: 960

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: 4779

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: 2878

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: 3897

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: 4161

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: 1810

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: 4308

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...

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