Search found 4500 matches

by tetractys
Thu Oct 12, 2017 12:38 am
Forum: Investing - Help with Personal Investments
Topic: 100% invested, all in, no cash- how do you do it?
Replies: 42
Views: 3478

Re: 100% invested, all in, no cash- how do you do it?

Most of my accounts are tax deferred, where it’s easy to have no cash. In taxable I do keep cash from distributions because I don’t want hundreds of tiny lots, and instead keep lots to a minimum $1,000. Cash for expenses I keep in the bank and never invest. — Tet
by tetractys
Wed Oct 11, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3672

Re: What specific changes have you made post-Equifax?

So what prudent actions would you suggest? Ha ha ha. Just the usual ones that have been around for awhile now. They’ve been mentioned above, have they not? — Tet Sure. My credit has been frozen and I've used double factor authentication for several years. But to me, the stakes have changed a bit. N...
by tetractys
Wed Oct 11, 2017 4:42 pm
Forum: Personal Consumer Issues
Topic: Quicken for Mac Woes
Replies: 7
Views: 468

Re: Quicken for Mac Woes

I’m hoping for better investment tracking too. The cap gains reports have been quite useful at tax time, and selecting lots has really been a big help. Good point about Time Machine backups; with that the Quicken 2007 backups were redundant anyway. — Tet
by tetractys
Wed Oct 11, 2017 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3672

Re: What specific changes have you made post-Equifax?

Yukon wrote:
Wed Oct 11, 2017 1:07 pm
tetractys wrote:
Wed Oct 11, 2017 10:49 am
letsgobobby wrote:
Wed Oct 11, 2017 12:31 am
tetractys wrote:
Wed Oct 11, 2017 12:16 am
Totally unconcerned. — Tet

We should be steady with our prudent actions and awake; but not surprised.

Be happy. — Tet
So what prudent actions would you suggest?
Ha ha ha. Just the usual ones that have been around for awhile now. They’ve been mentioned above, have they not? — Tet
by tetractys
Wed Oct 11, 2017 1:32 pm
Forum: Personal Consumer Issues
Topic: Quicken for Mac Woes
Replies: 7
Views: 468

Re: Quicken for Mac Woes

Cheyenne wrote:
Wed Oct 11, 2017 11:12 am
I have Quicken 2017 for Mac so maybe I'll wait.
2017 isn’t effected; it’s only 2007, which is no longer supported. — Tet
by tetractys
Wed Oct 11, 2017 10:49 am
Forum: Personal Finance (Not Investing)
Topic: What specific changes have you made post-Equifax?
Replies: 51
Views: 3672

Re: What specific changes have you made post-Equifax?

Totally unconcerned. — Tet can you say more about why not? I do not worry about credit card accounts opened in my name, but I do worry about investment accounts being pilfered and, to a lesser extent, tax refunds being claimed under my name. I have always assumed that for the most part supposed sec...
by tetractys
Wed Oct 11, 2017 10:21 am
Forum: Personal Consumer Issues
Topic: Quicken for Mac Woes
Replies: 7
Views: 468

Quicken for Mac Woes

With the release of Mac’s new OS High Siera, auto backups and backups from the reminder no longer function in Quicken for Mac 2007. You will have to backup manually from the file menu. 2007 is officially in hospice. The new Quicken for Mac 2017 is improving; but I think I’m holding out for the relea...
by tetractys
Fri Oct 06, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Bogle himself is saying we will expect like 3% for the next decades
Replies: 137
Views: 13347

Re: Bogle himself is saying we will expect like 3% for the next decades

Markets have been around in various forms based on similar principles for thousands of years now, haven’t they? What have they returned on average for all that time to the cautious investor, maybe 3 or 4 percent? Should we ever expect more? — Tet
by tetractys
Thu Oct 05, 2017 1:10 am
Forum: Personal Finance (Not Investing)
Topic: iphone app for checking stocks and funds?
Replies: 9
Views: 783

Re: iphone app for checking stocks and funds?

I use the iOS stock app for etf’s that correspond to my mutual funds, and also a Numbers spread sheet for end of the day mutual fund prices. Numbers has stock functions that download Yahoo data. — Tet
by tetractys
Tue Aug 29, 2017 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct for $13.50
Replies: 41
Views: 3320

Re: TaxAct for $13.50

Never got the email. Don't see anything about it anywhere outside this thread. Maybe OP's been fished. -- Tet
by tetractys
Thu Aug 24, 2017 4:43 pm
Forum: Personal Consumer Issues
Topic: Can you "upgrade" credit cards within a company?
Replies: 13
Views: 1404

Re: Can you "upgrade" credit cards within a company?

Sure. I've requested and received credit card upgrades and credit increases a few times over the years. -- Tet
by tetractys
Wed Aug 23, 2017 10:27 am
Forum: Investing - Help with Personal Investments
Topic: What do you do with RMD money you don't need?
Replies: 51
Views: 4234

Re: What do you do with RMD money you don't need?

So far I haven't needed any of my RMD's, so I've reinvested them into taxable, replacing taxable bonds with tax exempt. -- Tet
by tetractys
Tue Aug 22, 2017 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: Is Quicken 2017 worth it? Please help
Replies: 24
Views: 2888

Re: Is Quicken 2017 worth it? Please help

I'm still using Quicken 2007 for Mac, and it's working fine. I don't expect that to last forever. It looks like 2017 is getting to the point of being workable for me. My question is, is 2017 worth switching to yet? I'll probably keep using 2007 until that becomes unworkable, and then make the switch...
by tetractys
Wed Jul 26, 2017 2:38 pm
Forum: Personal Consumer Issues
Topic: Help Planning Trip to Olympic National Park
Replies: 18
Views: 899

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: 899

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: 4963

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: 2613
Views: 831877

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., are all in...
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: 18590

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: 3876

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: 2932

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: 559

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: 559

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: 559

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: 4769

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: 2720

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: 696

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: 6258

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: 1978

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: 1184

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: 3125

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: 1396

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: 2635

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: 8379

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: 4269

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: 4475

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: 6252

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: 7721

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: 2977

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: 6757

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: 951

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: 1330

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: 6998

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: 1779

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: 1877

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: 5626

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: 3939

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: 9359

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: 2957

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