Search found 4486 matches

by tetractys
Wed Jul 26, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Olympic National Park
Replies: 18
Views: 793

Re: Help Planning Trip to Olympic National Park

The outside of Cannonball Island is a nice visit, since your going by there. If the sea lions like you they'll chase fish right up to the rocks for lunch. -- Tet
by tetractys
Wed Jul 26, 2017 10:39 am
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Olympic National Park
Replies: 18
Views: 793

Re: Help Planning Trip to Olympic National Park

I see your traveling the loop. 1, or 2 days for overnighting, for each of those trips is plenty. Make sure you get your wilderness permits before you go. After all that time closer to nature, Seattle will seem like a descent into hell! -- Tet
by tetractys
Wed Jul 26, 2017 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Why not Schwab instead of Vanguard?
Replies: 68
Views: 4632

Re: Why not Schwab instead of Vanguard?

Vanguard has a wider selection of better funds. I don't require too much personal service. -- Tet
by tetractys
Tue Jul 18, 2017 9:21 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part VI
Replies: 2521
Views: 797112

Re: What Book Are You Currently Reading? Part VI

Chuck Gould. The Rabbi's Gift. -- An ancient tale newly and uniquely retold. Very enjoyable; I couldn't put it down. Mariam's a healer on the edge of being accused of witchcraft. Yusuf's a tile setter. Gabriel says, "just call me rabbi." The Zealots, Illuminati, Astrologers, Romans, etc., ...
by tetractys
Mon Jul 17, 2017 4:55 pm
Forum: Investing - Theory, News & General
Topic: How are folks handling the unprecedented rise in the market ?
Replies: 166
Views: 17765

Re: How are folks handling the unprecedented rise in the market ?

Hi all, Nice OP question, which doesn't cause me much concern. I don't see any precedent being set. Just a few decades ago we saw something like 20% gains for an entire decade--nothing like that now. It was followed by much panic over a weeny bear market. And the last big bear market, one of the big...
by tetractys
Sun Jul 16, 2017 5:47 pm
Forum: Personal Consumer Issues
Topic: what's your secret to cleaning inside car windows?
Replies: 47
Views: 3614

Re: what's your secret to cleaning inside car windows?

Auto parts stores now sell clay impregnated wipes in small packages for about 60 cents each. I would guess three or four of them would do all the interior windows. They work like clay bars. -- Tet
by tetractys
Sat Jul 08, 2017 7:42 pm
Forum: Personal Consumer Issues
Topic: Doing dishes while camping
Replies: 38
Views: 2773

Re: Doing dishes while camping

When I was a boy scout way back when we used brillow pads and sand. Now there's probably an earth friendly alternative to brillow pads. Then after that and ever since, never have gotten anything dirty enough to wash. -- Tet
by tetractys
Sat Jul 08, 2017 12:31 pm
Forum: Personal Consumer Issues
Topic: Consumer dispute, EU seller, US buyer
Replies: 5
Views: 503

Re: Consumer dispute, EU seller, US buyer

richardglm wrote:You can contact the consumer protection department or bureau in the EU country you did business in.

Richardglm,

Thanks, this is what I'm trying to see how to do. Actually it's Germany. I'll keep looking for an avenue. -- Tet
by tetractys
Sat Jul 08, 2017 12:28 pm
Forum: Personal Consumer Issues
Topic: Consumer dispute, EU seller, US buyer
Replies: 5
Views: 503

Re: Consumer dispute, EU seller, US buyer

ResearchMed, Ninnie, Richardgim, Thanks for helping. But unfortunately no, I didn't use a credit card. I transferred funds by exchange. That's why I'm looking for an intermediary. And this is a very surprising situation to me, because this is the first bad experience out of many with very honest ins...
by tetractys
Fri Jul 07, 2017 7:26 pm
Forum: Personal Consumer Issues
Topic: Consumer dispute, EU seller, US buyer
Replies: 5
Views: 503

Consumer dispute, EU seller, US buyer

I need advice on where to get consumer help between the US and EU (United States and European Union). I've purchased an expensive consort of handmade renaissance recorders from someone I believed was a reputable maker in the EU. I'm in the US. After over a year and a half wait, when I received the c...
by tetractys
Sun Jun 18, 2017 8:44 pm
Forum: Personal Consumer Issues
Topic: Poaching chicken
Replies: 51
Views: 4327

Re: Poaching chicken

I poach chicken breasts in a covered frying pan. It doesn't take much water at all because the chicken has so much of it's own juices. First I wash all the chicken breasts in cold water and stuff the frying pan full. I cover all the chicken with seasoning. After a little while I pour out most of the...
by tetractys
Thu May 11, 2017 6:11 pm
Forum: Personal Finance (Not Investing)
Topic: Are bank test deposits taxable?
Replies: 22
Views: 2581

Re: Are bank test deposits taxable?

Look on it as a token benefit received from a business in the ordinary course of business. If such items were taxable you'd have to report the annual calendar received from vendors you do business with. How about the bartender who buys you a drink? Gill The last time a test deposit was done for me,...
by tetractys
Wed May 10, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Help me choose my "lazy" 457b portfolio
Replies: 6
Views: 637

Re: Help me choose my "lazy" 457b portfolio

For the simplest you could choose these two: SFDCP Large Cap Core Equity - S&P 500 Index Portfolio .02 SFDCP Core Bond Portfolio .30 If you want to include XUS: SFDCP International Equity Portfolio .50 For small cap value tilting: SFDCP Small Cap Value Equity Portfolio .07 There's also a realest...
by tetractys
Wed May 10, 2017 3:03 pm
Forum: Personal Consumer Issues
Topic: What newspaper or magazine do you pay for?
Replies: 107
Views: 5664

Re: What newspaper or magazine do you pay for?

Zilch. It takes about 5 minutes a day to get the shallow news, as it is these days, free. Anything else worth while to me--I do a lot of research in music--comes from manuscripts or publications only available from university or international libraries. -- Tet
by tetractys
Sun Apr 30, 2017 9:41 pm
Forum: Investing - Help with Personal Investments
Topic: How often to rebalance portfolio?
Replies: 18
Views: 1820

Re: How often to rebalance portfolio?

Some people rebalance annually. Others use bands, or percents out. Check the wiki for rebalancing, it's all in there.

Rebalancing - Bogleheads
https://www.bogleheads.org/wiki/Rebalancing

-- Tet
by tetractys
Sun Apr 23, 2017 9:55 pm
Forum: Investing - Theory, News & General
Topic: foreign tax credit for international stocks
Replies: 12
Views: 1101

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: 33
Views: 2980

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: 1269

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: 2490

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: 85
Views: 7917

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: 32
Views: 4083

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: 4356

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: 5942

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: 7354

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: 2908

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: 6106

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: 927

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: 1249

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: 6797

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: 1723

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: 1808

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: 5443

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: 3791

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: 8960

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: 2899

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: 5150

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: 2504

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: 9557

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: 9557

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: 2648

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: 4907

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: 4907

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: 3291

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: 3425

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: 1354

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: 8860

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? Six Months Progress
Replies: 162
Views: 17523

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 ...