Search found 4367 matches

by tetractys
Thu May 26, 2016 10:00 am
Forum: Personal Consumer Issues
Topic: One More Vanguard Upgrade Hiccup: Unwanted Reinvestment
Replies: 5
Views: 495

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: 66
Views: 5108

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: 56
Views: 4651

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: 2230

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: 56
Views: 4651

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: 2333

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: 2755

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: 4186

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: 371

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: 1972

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: 733

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: 4746

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: 64
Views: 4146

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: 2594

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: 6335

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: 6595

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: 2338

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...
by tetractys
Wed May 18, 2016 10:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken Hangs on Enter Password
Replies: 2
Views: 272

Re: Quicken Hangs on Enter Password

Restart your computer, shut down all other apps including background apps, open Quicken and try it again. -- Tet
by tetractys
Tue May 17, 2016 2:59 pm
Forum: Investing - Theory, News & General
Topic: Hypothetical Roth IRA Question
Replies: 3
Views: 218

Re: Hypothetical Roth IRA Question

With gains, I think it would be better to put the extra money in a taxable account, and be taxed at the capital gains rate, rather that the income tax rate. With losses, tax lost harvesting would be possible in a taxable account, as opposed to the Roth, where you would simply end up with less money....
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: 93
Views: 7997

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: 1450

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: 1450

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: 4028

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: 59
Views: 6849

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: 59
Views: 6849

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: 59
Views: 6849

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: 59
Views: 6849

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: 5710

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: 4891

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: 4676

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: 4838

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: 4276

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: 1253

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: 1389

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: 2506

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: 519

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: 2976

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: 2529

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: 2330

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: 4044

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: 729

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: 568

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: 729

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: 568

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: 3323

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: 6363

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: 64
Views: 6802

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: 1937

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: 9171

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: 1412

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

Go to advanced search