Search found 4435 matches

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: 1809

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: 1727

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: 888

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: 888

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: 888

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: 888

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: 768

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: 3817

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: 2704

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: 3561

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: 3569

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: 1624

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: 3822

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...
by tetractys
Tue Sep 27, 2016 11:21 am
Forum: Personal Finance (Not Investing)
Topic: How it really feels to have investments during a bear market?
Replies: 74
Views: 6204

Re: How it really feels to have investments during a bear market?

I am only curious, how does it really feels when the market "crashes"? How difficult is it to fight (sheep following) and not locking your losses? Or it is not that difficult after all with good education? Would you personally share how did you feel and how did you react during the 2008 c...
by tetractys
Thu Aug 25, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: Four years old spilled dark nail Polish on carpet
Replies: 8
Views: 1226

Re: Four years old spilled dark nail Polish on carpet

Pretty simple if it's a wall-to-wall type of carpet; cut out the bad piece and replace it with a good piece of identical carpet. -- Tet
by tetractys
Tue Aug 16, 2016 11:12 am
Forum: Investing - Theory, News & General
Topic: Knowing what you know now...
Replies: 22
Views: 2630

Re: Knowing what you know now...

Would any of you other late comers to Boglehead-style wealth building have taken the ultra thrifty route to early retirement, given a chance to re-live your twenties? The possibility is there, but the infinite results from that are unknowable. My life's pretty good now, whereas even with good Bogle...
by tetractys
Tue Aug 16, 2016 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Asset allocation and fund selection feedback
Replies: 3
Views: 418

Re: Asset allocation and fund selection feedback

h82goslw, Welcome! I looks like you and your wife have decided portfolio risk and want to put together a 3 fund portfolio of 40% US, 30% X US, and 30% Fixed. Is this correct? But one of the funds you show above is an all-in-one target type fund: Googling it gives, "The Morningstar Lifetime Mode...
by tetractys
Mon Aug 15, 2016 10:51 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Interest Credit
Replies: 6
Views: 851

Re: I-Bond Interest Credit

That's right. I-bonds carry a 3 months interest penalty for 5 years. At five years the value jumps when the 3 months penalty gets added in. After 3 months the first month's interest shows up in the value. For the first year I-bonds cannot be redeemed at all. -- Tet
by tetractys
Sun Aug 14, 2016 10:02 am
Forum: Investing - Theory, News & General
Topic: How much international stock? A suggestion.
Replies: 98
Views: 10878

Re: How much international stock? A suggestion.

I never have understood the argument that one must adhere to global weighting. The arguments for it lack solidity. Cap weighting a fund of an individual asset makes sense for lower costs and efficiency; but applying that to the entire world market is an odd leap. The idea that one should emulate a w...
by tetractys
Sat Aug 13, 2016 9:22 pm
Forum: Personal Consumer Issues
Topic: Are you on Facebook?
Replies: 144
Views: 9178

Re: Are you on Facebook?

No, not on Facebook. It's too ugly and I already have some web sites. -- Tet
by tetractys
Sat Aug 13, 2016 9:19 pm
Forum: Investing - Help with Personal Investments
Topic: How often do you adjust your AA to account for your age?
Replies: 29
Views: 2484

Re: How often do you adjust your AA to account for your age?

Never. But I am going to adjust it for retirement. It doesn't seem to take all that long for portfolios to recover, so why bother? -- Tet
by tetractys
Sat Aug 13, 2016 10:15 am
Forum: Personal Finance (Not Investing)
Topic: How many credit cards are too many?
Replies: 57
Views: 4043

Re: How many credit cards are too many?

How many credit cards can you have before it becomes a problem? Never have had so many CCs that it's been a problem, in any respect. But I think less is better. A thinner wallet is certainly easier on the back pocket. One thing I've done to make life easier at home is to put all my CCs into one acc...
by tetractys
Sat Aug 13, 2016 10:02 am
Forum: Investing - Help with Personal Investments
Topic: Wanted: Spreadsheet to help manage contributions
Replies: 15
Views: 1062

Re: Wanted: Spreadsheet to help manage contributions

I use my own spreadsheet, with a total portfolio value that includes future annual contributions. Then I contribute to the asset that needs the most to converge to a balanced portfolio at the end of the year. I also use 5/25 bands; but they aren't triggered to often. Sometimes, like recently when In...
by tetractys
Sat Aug 13, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: How to establish 3-fund portfolio with small overall balance
Replies: 14
Views: 1129

Re: How to establish 3-fund portfolio with small overall balance

Think about restarting your IRA at Vanguard, because Fidelity is not friendly towards index fund investors. By going to the Fidelity site and looking at their fund presentation and choices, it's quite obvious they condescend to index investors for marketing purposes only, while pressuring them towar...
by tetractys
Fri Aug 12, 2016 10:09 pm
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 2069

Re: How do you wire money?

Wiring money is expensive. ACH/EFT is nearly free and you can do it all over the world. -- Tet Can you explain in more detail how you use ACH all over the world? I don't know any way to use ACH outside of the U.S. Except to some banned countries, like Iran or Serbia, it's very easy to ACH/EFT throu...
by tetractys
Fri Aug 12, 2016 9:36 am
Forum: Personal Consumer Issues
Topic: How do you wire money?
Replies: 31
Views: 2069

Re: How do you wire money?

Wiring money is expensive. ACH/EFT is nearly free and you can do it all over the world. -- Tet
by tetractys
Thu Aug 11, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: 457(b) fees
Replies: 11
Views: 852

Re: 457(b) fees

Your plan sounds excellent if your talking about total E/R and admin fees together. My plan has E/R plus an annual $66 admin fee. But then (in some secretive manner which I've been unable to get disclosed to me) one of the funds kicks back part of it's expense ratio to pay for the admin fee. Go figu...
by tetractys
Sun Aug 07, 2016 10:25 pm
Forum: Personal Finance (Not Investing)
Topic: Time to worry about Treasury Direct???
Replies: 31
Views: 3935

Re: Time to worry about Treasury Direct???

All the added security junk at TD eventually blew over. Many locked out folks, like me, simply ignored the problem until it went away. Possibly the same with this current stuff. Also note that the texting is an option. Just opt out if it's still in use if or when TD decides to implement it. I don't ...
by tetractys
Sat Aug 06, 2016 10:10 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 72
Views: 8988

Re: Vanguard upgrading to Brokerage account comes with some nuisances

... i see that all automatic transactions have been put on hold until i fill out, sign and send "updated bank designation" form.... This didn't happen to me. But... I did have to go through all my account reinvestment options online and redo those. It's probably safe to say when upgrading...
by tetractys
Sat Aug 06, 2016 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: Design Your Own Balanced Portfolio!
Replies: 4
Views: 774

Re: Design Your Own Balanced Portfolio!

10% Vanguard Inflation-Protected Securities
30% Vanguard Intermediate Term Bond Index
20% Vanguard US Small Value Index
20% Vanguard Total International Stock Market Index
20% Vanguard Total US Stock Market Index
by tetractys
Wed Aug 03, 2016 6:28 pm
Forum: Investing - Theory, News & General
Topic: My Small Cap Value Mutual Fund conundrum
Replies: 14
Views: 1574

Re: My Small Cap Value Mutual Fund conundrum

After all things are considered, you might decide that VISVX/VSIAX is close enough to the ideal. It can take several years for an investor to find out all the things that can be considered. But start by realizing that a good portion of the value premium has to do with avoiding growth stocks. Then th...
by tetractys
Sun Jul 31, 2016 10:19 pm
Forum: Personal Consumer Issues
Topic: Merging PDF Files
Replies: 20
Views: 1077

Re: Merging PDF Files

It sounds like you need to set up a really long page in the document page settings of your page layout software, and then convert that to a pdf. If the file's already a PDF, you're just going to have to settle with using continuous scroll in the PDF viewer, or... Import the pages into a page layout ...
by tetractys
Sun Jul 31, 2016 10:12 pm
Forum: Investing - Theory, News & General
Topic: How can markets keep going up ?
Replies: 131
Views: 10025

Re: How can markets keep going up ?

Naturally everything will zero out after awhile; but for the moment humanity is expanding and investing. -- Tet
by tetractys
Fri Jul 29, 2016 9:37 pm
Forum: Investing - Theory, News & General
Topic: Two-Step Rebalancing
Replies: 48
Views: 4460

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

Tet, 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. Thanks. Any portfolio which is not rebalanced every second will stray away from its target asset allocation (AA) until rebalanced again. The longer the...
by tetractys
Fri Jul 29, 2016 10:28 am
Forum: Personal Consumer Issues
Topic: Costco rotisserie chicken
Replies: 102
Views: 12921

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
Replies: 48
Views: 4460

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: 1265

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: 2330

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: 1576

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: 2052

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: 13056

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: 13056

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: 5731

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: 476

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: 7436

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: 2158

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: 2158

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: 932

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: 16
Views: 2600

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

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