Search found 4421 matches

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: 61
Views: 3709

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: 1181

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: 2536

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: 321

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: 809

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: 84
Views: 7621

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: 8361

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: 2334

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: 3774

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: 1004

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: 1054

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: 1906

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: 1906

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: 790

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: 3856

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: 70
Views: 8110

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: 751

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: 1534

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: 1041

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: 9487

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: 4272

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: 92
Views: 10266

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: 4272

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: 1230

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: 2230

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: 1488

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: 1994

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: 12738

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: 12738

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: 5429

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: 460

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: 6909

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: 1998

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: 1998

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: 860

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: 2188

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: 2094

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: 1846

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: 1034

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: 2094

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: 2094

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: 2228

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: 1954

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: 1103

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: 1969

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: 1954

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: 1080
Views: 179026

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: 1080
Views: 179026

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: 3910

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: 1119

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

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