Search found 4400 matches

by tetractys
Fri Jul 29, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 40
Views: 2661

Re: Costco rotisserie chicken

I'm not a member. Last time I went to Costco with a friend I bought cinnamon, salt-free seasoning, and coffee, which were good deals. I've never gotten one of those R. chickens--they don't smell right to me. -- Tet
by tetractys
Fri Jul 29, 2016 10:14 am
Forum: Investing - Theory, News & General
Topic: Two-Step Rebalancing -- to keep both emotions and risk in check
Replies: 25
Views: 1470

Re: Two-Step Rebalancing -- to keep both emotions and risk in check

Sounds like a plan... good. I imagine you've already considered how not to end up with way more cash than your fixed income allocation allows. The most important thing to do once a plan is in place and has evolved for a couple years, I think, is to reduce the agonizing by improving on simplification...
by tetractys
Tue Jul 26, 2016 3:39 pm
Forum: Investing - Help with Personal Investments
Topic: How to manage 120K in taxable account
Replies: 11
Views: 1117

Re: How to manage 120K in taxable account

In my taxable account I'm looking towards a future allocation. Today and until retirement my allocation is 75% stocks, 25% bonds. In the not to distant future, a few years before retirement, I will shift my allocation to 60% stocks, 40% bonds. So in taxable I'm already gradually shifting towards tha...
by tetractys
Tue Jul 26, 2016 3:16 pm
Forum: Investing - Theory, News & General
Topic: Traits of a successful investor
Replies: 29
Views: 2038

Re: Traits of a successful investor

Patience, fearlessness, and intelligence could also describe certain speculators and gamblers. So none of these qualities could embody a Boglehead exclusively. I think a better quality than any of these three to describe a Boglehead would be "common sense." -- Tet
by tetractys
Wed Jul 13, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: Inherited IRA and RMD
Replies: 10
Views: 1422

Re: Inherited IRA and RMD

I've gone through this myself with Vanguard. Vanguard will calculate your RMDs based on what you tell them. Also you have a choice of having Vanguard make the distribution for you, or simply providing the calculation of what the RMD should be. When Vanguard interviews you to decide how the RMDs are ...
by tetractys
Fri Jul 08, 2016 10:50 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken
Replies: 31
Views: 1869

Re: Quicken

I use Quicken 2007 for Mac. Intuit just issued an update, with a note stating that as long as its fixable for the latest Mac OS, they would support it. Conversely I think that means if the Mac IPOs change much, no more Quicken for Mac. -- Tet
by tetractys
Tue Jun 28, 2016 3:29 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12277

Re: Plunge and Panic-Do You Get It Now?

Today X US and US are diverging. X US is continuing it's plunge into day 3, while US is rebounding. All very interesting to note, for the few minutes it takes up each day. Sorry for the folks getting victimized, even if it's purportedly by their own choice. -- Tet I think you need to check again - ...
by tetractys
Tue Jun 28, 2016 2:44 pm
Forum: Investing - Theory, News & General
Topic: Plunge and Panic-Do You Get It Now?
Replies: 108
Views: 12277

Re: Plunge and Panic-Do You Get It Now?

Today X US and US are diverging. X US is continuing it's plunge into day 3, while US is rebounding. All very interesting to note, for the few minutes it takes up each day. Sorry for the folks getting victimized, even if it's purportedly by their own choice. -- Tet
by tetractys
Wed Jun 15, 2016 2:13 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle will Appear on Webinar [June 15]
Replies: 66
Views: 5083

Re: Jack Bogle will Appear on Webinar [Today Wed., June 15]

I signed up when the e-mail was sent; but now I can't see how to go to the webinar. Where is it? -- Tet

Oh, found it above--thanks mblake59:
mblake59 wrote:There is a link to sign-up here: http://vanguardblog.com/
by tetractys
Tue Jun 14, 2016 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Administration Fees
Replies: 4
Views: 430

Re: 401k Administration Fees

The thing about these fees is that there's nothing you can do about them except to complain and/or escape if possible—there's always that element of unreasonableness. Another thing that really bugs me is that they are pro rata, i.e., you can't specify where they are deducted from. It would be nice, ...
by tetractys
Fri Jun 10, 2016 9:56 am
Forum: Investing - Theory, News & General
Topic: What is your overall portfolio weighted expense ratio
Replies: 118
Views: 6391

Re: What is your overall portfolio weighted expense ratio

6 accounts, today's E/R 0.144%, including 457(b) admin fees. -- Tet
by tetractys
Wed Jun 08, 2016 3:24 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit -- use in Asset Allocation or even keep track of?
Replies: 43
Views: 1890

Re: Defined Benefit -- use in Asset Allocation or even keep track of?

I don't know the OP's. But mine accumulates similar interest, and then on retirement becomes basically an annuity with a COLA. It's probably a common benefit. And again, the reason I don't count it as an expense reduction in retirement, yet, is because of the possibility of taking the tax sheltered ...
by tetractys
Wed Jun 08, 2016 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: Defined Benefit -- use in Asset Allocation or even keep track of?
Replies: 43
Views: 1890

Re: Defined Benefit -- use in Asset Allocation or even keep track of?

I have something similar, and track it as part of my intermediate term bond allocation in my portfolio. My reasoning is that if for whatever reason I don't become invested, or cash it out (unlikely) before it becomes an income stream, then those funds will get transferred into a traditional IRA, alo...
by tetractys
Wed Jun 08, 2016 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken For Mac
Replies: 10
Views: 803

Re: Quicken For Mac

I'm still using Quickin for Mac 2007. It's been updated a few times since then and works... OK. The newer version doesn't do well for investors, so I've never upgraded to that. Intuit seems to be a rather dysfunctional company with internal political problems that have gotten in the way of Mac devel...
by tetractys
Wed Jun 08, 2016 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: How to redeem paper EE bonds?
Replies: 15
Views: 1800

Re: How to redeem paper EE bonds?

joms,

this is what I've found:

From the US Treasury: The Guide to Cashing Savings Bonds.

And if I remember correctly, if you live near any of these Federal Reserve Banks, they should be able to cash your EE's.

Hope this helps, Tet
by tetractys
Tue Jun 07, 2016 7:17 pm
Forum: Investing - Theory, News & General
Topic: Howard Marks presentation
Replies: 20
Views: 1918

Re: Howard Marks presentation

Now I'm going to read HM's book, and some of the books he mentioned as his biggest influences: Howard Marks. The Most Important Thing; Uncommon Sense for Thoughtful Investors Charles D. Ellis. Winning the Loser's Game; Timeless Strategies for Successful Investing Taleb, Nassim Nicholas. Fooled by Ra...
by tetractys
Tue Jun 07, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Enhanced portfolio construction
Replies: 29
Views: 1735

Re: Enhanced portfolio construction

adamsa, Right off the bat, you have %30+ invested in wild guesses. The other %70- looks like the various partitions are working against each other. And on top of that, you're spending a lot of time and money for negative results. Hope your extraordinarily lucky, because you're going to need it! Or d...
by tetractys
Mon Jun 06, 2016 10:39 pm
Forum: Personal Consumer Issues
Topic: Suggestion For Plush Socks That Don't Bunch Under The Feet
Replies: 15
Views: 957

Re: Suggestion For Plush Socks That Don't Bunch Under The Feet

The problem might be your shoes. I have some old Birks, and if I walk up hill the whole sock will end up bunched under my foot. So maybe like me wearing those shoes, stop every so often and pull your socks back up. -- Tet
by tetractys
Mon Jun 06, 2016 10:31 pm
Forum: Investing - Theory, News & General
Topic: Howard Marks presentation
Replies: 20
Views: 1918

Re: Howard Marks presentation

Talk was given March 27, 2015 and published to YouTube on March 29, 2015. HM also talked some about indexing or passive investing. Important, and as we here are well aware, he emphasized that indexing removes the tracking risk, but certainly not the asset risk. Bogleheads definitely diversify risk ...
by tetractys
Mon Jun 06, 2016 10:13 pm
Forum: Investing - Theory, News & General
Topic: Howard Marks presentation
Replies: 20
Views: 1918

Re: Howard Marks presentation

Near the end H.M said about general investors behavior resulting from the "race to the bottom" (competitive yields), "they're going for risky investments, and they're doing it mindlessly." Here I think we agree it's not a good idea to chase yield.

Interesting — Tet
by tetractys
Sun Jun 05, 2016 8:58 pm
Forum: Investing - Help with Personal Investments
Topic: Thinking of dumping REIT - thoughts?
Replies: 20
Views: 2137

Re: Thinking of dumping REIT - thoughts?

I've been in the process of eliminating REITs from my portfolio for the past few weeks. I'll be finished mid next week. My main reason is to simplify things for a higher bond allocation going into retirement, including making rebalancing easier across several account types. Decent Small Val is widel...
by tetractys
Sun Jun 05, 2016 10:39 am
Forum: Personal Consumer Issues
Topic: Gotham Steel Ceramic fry pan
Replies: 17
Views: 1845

Re: Gotham Steel Ceramic fry pan

I have a Revereware fry pan that I burned oil in a few years sgo and I can't remove 1 speck of it so steel copper bottom pans are not always easy or possible to clean. Burned oil can be quite tough, sculptors use it to give permanent black patinas to metal sculptures. Steel wool will remove it. -- ...
by tetractys
Sun Jun 05, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: International Large Value
Replies: 10
Views: 1008

Re: International Large Value

On the US side of things, Value and Small Value are perking up. Year to date, both have outperformed Total US Stock Market Index. It appears that the growth cycle from about 2010 through 2015 may have ended and we might be in the beginning stages of a value cycle. Haven't checked to see if this is ...
by tetractys
Sun Jun 05, 2016 12:05 am
Forum: Investing - Theory, News & General
Topic: Do you invest in Blackstone?
Replies: 10
Views: 1913

Re: Do you invest in Blackstone?

Voted no; but to tell the truth, I don't know. Never heard of or seen the ticker in any fund list, not a TV watcher, and don't know what it is, so can't say if it is or not included in one of my funds somehow somewhere. -- Tet
by tetractys
Sat Jun 04, 2016 11:54 pm
Forum: Personal Consumer Issues
Topic: Gotham Steel Ceramic fry pan
Replies: 17
Views: 1845

Re: Gotham Steel Ceramic fry pan

There's never been a good non-stick fry pan. Maybe someday, but not today. I'm still using an old warped revere ware pan that has outlasted too many non-stick failures—have given up on that BS. Steel is pretty easy to scrub out with a steel scouring pad when a cooking mistake has been made. I may up...
by tetractys
Fri Jun 03, 2016 10:55 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155639

Re: What are you up YTD? [Year To Date]

75/25, this year's return so far is 5.8%, so annualizing that (5.8x12/5) it's around 13.9%. So far a pretty good year. — Tet But most of the year hasn't happened yet. Thus the qualified "so far", or in other words, as the man said while plummeting past the 9th floor window to his co-worke...
by tetractys
Fri Jun 03, 2016 10:46 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155639

Re: What are you up YTD? [Year To Date]

75/25, this year's return so far is 5.8%, so annualizing that (5.8x12/5) it's around 13.9%. So far a pretty good year. — Tet
by tetractys
Thu Jun 02, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Lessons from the past - digging though old work records
Replies: 27
Views: 3788

Re: Lessons from the past - digging though old work records

Rick,

It's good to hear from one who did, that ascension from hell It is possible. Any thoughts on using your disclosure to open a book on fiduciary defense for investors against industrial abuses? — Tet
by tetractys
Thu Jun 02, 2016 10:42 am
Forum: Investing - Theory, News & General
Topic: Wall Street Potholes
Replies: 5
Views: 1083

Re: Wall Street Potholes

Larry,

Thanks for your article, which is plenty! I will forgo the reviewed book, somewhat like I eschew books about serial killers. — Tet
by tetractys
Thu Jun 02, 2016 10:24 am
Forum: Personal Consumer Issues
Topic: New HVAC Unit - Low, Medium or high end
Replies: 14
Views: 2078

Re: New HVAC Unit - Low, Medium or high end

HVAC Consumer Reports

Maybe this will help. — Tet
by tetractys
Thu Jun 02, 2016 12:45 am
Forum: Investing - Theory, News & General
Topic: New "Flagship Select" level at Vanguard
Replies: 46
Views: 10489

Re: New "Flagship Select" level at Vanguard

I see the levels as a means of adding economy. When it's provident for Vanguard to increase individual customer help in some way, and in so doing, help out everybody else as well——in a sort of diminished liability way——, then implement a new level and give it a name. Vanguard, being a non-profit, do...
by tetractys
Sun May 29, 2016 10:57 am
Forum: Investing - Theory, News & General
Topic: How much do costs matter?
Replies: 24
Views: 1793

Re: How much do costs matter?

Costs are such a significant factor that I think it might be one reason many investors still invest directly in stocks. Anyone here aware if there's any analysis to back that up? And for us here, costs probably provide one of the best arguments to avoid any funds, index or otherwise, that have E/R's...
by tetractys
Thu May 26, 2016 10:00 am
Forum: Investing - Help with Personal Investments
Topic: One More Vanguard Upgrade Hiccup: Unwanted Reinvestment
Replies: 11
Views: 1196

Re: One More Vanguard Upgrade Hiccup: Unwanted Reinvestment

As a general rule, always double check preferences and settings whenever making any change. I do this at every institution, not just Vanguard. -- Tet
by tetractys
Wed May 25, 2016 10:24 am
Forum: Investing - Theory, News & General
Topic: This Bull Seems to be Getting Pretty Long In the Tooth
Replies: 76
Views: 7239

Re: This Bull Seems to be Getting Pretty Long In the Tooth

Seems as though the S&P 500 has had a huge, nearly continuous, rise since 2008-9. Anyone getting weary? Anyone pondering taking some risk off the table and cooling off the AA? Anyone struggling with whether to pay a capital gains tax? Dave Dave, An odd question from someone named Random Walker....
by tetractys
Tue May 24, 2016 7:18 pm
Forum: Investing - Theory, News & General
Topic: Why do we believe in the market?
Replies: 59
Views: 5615

Re: Why do we believe in the market?

HomerJ wrote:Human work is turned into profit.

Owning the market means you get a share of those profits.

It's not a closed system. Human work is the input into the system.

Oiled by fossils, solar energized, fauna, flora, and mineralia enhanced? -- Tet
by tetractys
Tue May 24, 2016 2:50 pm
Forum: Personal Consumer Issues
Topic: Listening to tunes while exercising
Replies: 29
Views: 2466

Re: Listening to tunes while exercising

It might not be a good idea to listen to outside music while exercising, and possibly counter-rhythmic. Maybe it's better to listen to your body's inner music. That way the exercise will be much more effective and safer. If you need a different rhythm, tempo, time signature, or multi-rhythm, you can...
by tetractys
Sun May 22, 2016 10:33 pm
Forum: Investing - Theory, News & General
Topic: Why do we believe in the market?
Replies: 59
Views: 5615

Re: Why do we believe in the market?

notsobright wrote:In the end, aren't we all just gambling since we don't know for certain what the market will be like?

We're betting on the society we support, on our collective selves, our village.

sis-boom-bah !!! -- Tet
by tetractys
Sun May 22, 2016 9:36 am
Forum: Personal Finance (Not Investing)
Topic: Still double checking bank checkbook math?
Replies: 46
Views: 2597

Re: Still double checking bank checkbook math?

No hard checkbook for years; but I still check statements & balances on computer using Quicken. I have found fraudulent transactions on a few occasions over the last 15 years or so, which would not have been caught through blind trust of the system. This is why I have not opted for transaction d...
by tetractys
Sat May 21, 2016 10:28 am
Forum: Investing - Help with Personal Investments
Topic: Scottrades new game
Replies: 20
Views: 2902

Re: Scottrades new game

It's stuff like this that I think sets Vanguard apart. Maybe it's nothing more than a belief; but it seems to me Vanguard will never start charging things like exit fees, or hidden document fees, transfer fees, etc., or suddenly pull some strategic profit grabbing scheme, or falsely advertise some g...
by tetractys
Sat May 21, 2016 10:03 am
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4646

Re: Amazon has no head to head competitors?

It is true to a degree, for many items, that Amazon is ahead of the pack. I just bought a CD from Amazon that was otherwise only available from the publisher for a much higher price (Georg Philipp Telemann, 12 Fantasies pour la Base de Violle . Thomas Fritzsch, Gambist. Coviello.). And I've always h...
by tetractys
Fri May 20, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Roth and IRA Transfer to Vanguard -- Asset Allocation
Replies: 11
Views: 450

Re: Roth and IRA Transfer to Vanguard -- Asset Allocation

Are you saying that the Roth 401(k) is 15% of your whole portfolio? If that's the case, and you want equal risk across all your account types, then you could put a TR fund in that account. But as others have mentioned above, in principle it's OK to chunk up your whole portfolio into various risk fac...
by tetractys
Thu May 19, 2016 10:55 pm
Forum: Personal Consumer Issues
Topic: Macbook Air - how to keep it running smoothly?
Replies: 18
Views: 2170

Re: Macbook Air - how to keep it running smoothly?

Backup your stuff, wipe your Mac and do a fresh install of OS X. This has got to be a last, last, and very last resort. Haven't heard of this hardly at all in years. And when I have, it was by mistake. All I've ever done with my macbook pro since 2012 has been update, reboot, empty trash, as others...
by tetractys
Thu May 19, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Quicken to Spreadsheet
Replies: 11
Views: 859

Re: Quicken to Spreadsheet

I've been exporting a portfolio value report by account investments from Quicken, and linking that to Libre Office spreadsheets. So Quicken keeps track of prices, capital gains, purchases, etc., and the spreadsheets help me plan and allocate. One thing though, Quicken exports ".xls". For s...
by tetractys
Wed May 18, 2016 10:53 pm
Forum: Investing - Theory, News & General
Topic: For those of you in the Accumulation Phase - How often do you check?
Replies: 62
Views: 5185

Re: For those of you in the Accumulation Phase - How often do you check?

I check more than enough to see how my portfolio is behaving, and to see where to put new contributions. Recently I've changed from just sticking stuff where the whole portfolio would be balanced, to spreading the risk somewhat evenly, or as evenly as possible, over the different accounts. This has ...
by tetractys
Wed May 18, 2016 11:43 am
Forum: Personal Consumer Issues
Topic: Emergency Preparedness
Replies: 72
Views: 5343

Re: Emergency Preparedness

In every city we need giant self-contained skyscrapers dedicated to producing huge amounts and varieties of food quickly. If/when supply lines are drastically cut off, things will become dire fast. Neighborhood pea plotting will buffer for a short time only. Keeping camping gear for a few days walk ...
by tetractys
Wed May 18, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?
Replies: 43
Views: 2883

Re: IF YOU TILT small cap, DO YOU PAIR SP500 or TSM with it?

I pair Small Cap Value with both the S&P 500 in a 457b, and TSM in my other accounts. The difference between the two basically large cap indexes isn't an issue, they track each other closely. -- Tet
by tetractys
Wed May 18, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 61
Views: 6824

Re: Jim Cramer doesn’t beat the market

Camer exemplifies the reasons I avoid TV. ... Listening to Cramer about getting in the market (I have to say he deserves some credit for calling the bottom) has already made me tens of thousands of dollars, and that money will continue to compound for decades to come.... Two perfect examples of dumb...
by tetractys
Wed May 18, 2016 10:55 am
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 7042

Re: When is cash better than plastic?

Dining with friends when the bill or the tip is being split up, or where there's a CC charge. How would cash have any value in an apocalypse, zombie or otherwise? -- Tet
by tetractys
Wed May 18, 2016 10:42 am
Forum: Investing - Help with Personal Investments
Topic: Why Vanguard added Int'l Bonds to the Target funds?
Replies: 23
Views: 2577

Re: Why Vanguard added Int'l Bonds to the Target funds?

Why Vanguard added Int'l Bonds to the Target funds? By including a wider range of investments in a fund, Vanguard can more economically accommodate a large mass of investors. This same principle applies to funds like the Vanguard Total Bond Market fund with its inclusion of mortgage backed securiti...

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