Search found 307 matches

by tyler_cracker
Fri Apr 29, 2016 12:09 pm
Forum: Investing - Theory, News & General
Topic: Selling in May and Walking Away?
Replies: 106
Views: 9186

Re: Selling in May and Walking Away?

I wonder what Sudhi is up to these days... this character is from before my time (going back to the diehards days), so i couldn't resist a little folkloric research. s/he showed up here after the move and started a couple of... interesting threads: The markets are in their unfavorable season! The p...
by tyler_cracker
Tue Feb 16, 2016 2:45 pm
Forum: Investing - Theory, News & General
Topic: TIRA to Backdoor Roth, am I too late??
Replies: 10
Views: 1043

Re: TIRA to Backdoor Roth, am I too late??

you are correct that a Roth conversion is taxable in the calendar year in which it happens. so if you do it tomorrow, taxes are due for tax year 2016. i don't think anyone can answer this for you. what most of us would do is build a spreadsheet to model different strategies: what happens if you leav...
by tyler_cracker
Tue Feb 16, 2016 1:23 pm
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 4126

Re: Was today's rally temporary?

bump for stunning conclusion to this cliffhanger from friday.
by tyler_cracker
Mon Feb 15, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: Reverse Tax Loss Harvest on Really Good Day?
Replies: 12
Views: 1130

Re: Reverse Tax Loss Harvest on Really Good Day?

Doc wrote:Q: Who speaks louder Janet Yellen or Mario Draghi?


the thing about Janet is she's always Yellen.
by tyler_cracker
Fri Feb 12, 2016 7:46 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 3102

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

Crow Hunter wrote:African or European?


i don't know that!

jebmke wrote:Tree, Barn, Cliff, Bank, Rough-wing?


found the bird nerd :D

(sorry livesoft)
by tyler_cracker
Fri Feb 12, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing bands, what is your CURRENT out-of-balance drift?
Replies: 47
Views: 3102

Re: Rebalancing bands, what is your CURRENT out-of-balance drift?

i don't generally like these "post a meaningless number from your portfolio" threads[1] but since i was just looking at this and since i <3 livesoft: fixed income: +4.5% us equities: -1.5% intl equities: -3% i've always rebalanced with new money, but since i am currently taking some time o...
by tyler_cracker
Tue Jan 12, 2016 6:29 pm
Forum: Investing - Theory, News & General
Topic: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS
Replies: 78
Views: 9876

Re: Sell everything! 2016 will be a 'cataclysmic year,' warns RBS

surfstar wrote:I'm selling it all and buying gold. Or was that powerball tickets? :oops:


why not both? then your portfolio is diversified!
by tyler_cracker
Tue Dec 15, 2015 2:07 pm
Forum: Investing - Theory, News & General
Topic: What effects take place with higher Fed rates?
Replies: 13
Views: 1370

Re: What effects take place with higher Fed rates?

jpelder wrote:But correlation doesn't make causation!


ah, i see that you are not an economist either ;)
by tyler_cracker
Tue Dec 15, 2015 1:56 pm
Forum: Investing - Theory, News & General
Topic: What effects take place with higher Fed rates?
Replies: 13
Views: 1370

Re: What effects take place with higher Fed rates?

i am not an economist but i have observed that a rise in interest rates correlates with a rise in posts about interest rates.
by tyler_cracker
Thu Nov 26, 2015 8:13 pm
Forum: Forum Issues and Administration
Topic: Bogleheads Website - Security Cert Expired
Replies: 51
Views: 6612

Re: Bogleheads Website - Security Cert Expired

things i am thankful for:
- HTTPS
- server admins
- not getting paged for problems with ssl certs on thanksgiving :D
by tyler_cracker
Mon Oct 26, 2015 9:52 pm
Forum: Investing - Theory, News & General
Topic: Get ready for crash?
Replies: 34
Views: 5381

Re: Get ready for crash?

saltycaper wrote:You should already be ready for a crash. You should always be ready. If you need to take action to "get ready", reconsider your strategy.


:thumbsup
by tyler_cracker
Mon Aug 24, 2015 11:11 am
Forum: Investing - Theory, News & General
Topic: The Bogleheads' Silent Majority
Replies: 255
Views: 37655

Re: The Bogleheads' Silent Majority

goingup wrote:It'd be great if all 44,632 popped in to say, "Here. Present and accounted for and staying the course!"


here. present and accounted for and staying the course!
by tyler_cracker
Mon Aug 24, 2015 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 684610

Re: U.S. stocks in freefall

HomerJ wrote:You've been posting this for the past 3 years... Pretty much every thread you have posted has been doom and gloom.

But I'm glad you're happy that you're right for once. Still doesn't make you an expert predictor, and it still doesn't make it easy to predict "downdrafts"


:thumbsup
by tyler_cracker
Mon Aug 17, 2015 1:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard CFP Annual Portfolio Review - Key Points
Replies: 6
Views: 1337

Re: Vanguard CFP Annual Portfolio Review - Key Points

Fat-Tailed Contagion wrote:- 2-3% Bond Return over next 10 yrs

- 5-6% Stock Return over next 10 yrs


are these nominal rates?
by tyler_cracker
Sun Aug 16, 2015 3:24 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6839

Re: What is going on out there?

Prague wrote:I just came back to the market this January after getting out on August of 2013.


what caused you to leave in august of 2013? what changed in january?
by tyler_cracker
Sat Aug 15, 2015 1:27 am
Forum: Investing - Theory, News & General
Topic: Backdoor Roth: How Long To Wait For Conversion?
Replies: 14
Views: 2048

Re: Backdoor Roth: How Long To Wait For Conversion?

i do not wait. i queue up the money before the first of the year to avoid the delay between my bank and my ira custodian. i contribute to the traditional ira on the first trading day of the year. i convert to roth the second trading day of the year. i'm surprised at how many people mentioned trying ...
by tyler_cracker
Mon Aug 10, 2015 11:06 pm
Forum: Investing - Theory, News & General
Topic: If you have an ESPP where you work...
Replies: 3
Views: 746

Re: If you have an ESPP where you work...

In your ESPP, how many days between the end of the subscription period and the quick sale date? none. the shares show up in my account at the end of day X; i sell them on day X+1. I checked the past 15 years of stock prices on the end of each subscription period and on the quick sale date, two trad...
by tyler_cracker
Sun Aug 02, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: Zero Interest Rates on I-Bonds
Replies: 28
Views: 4405

Re: Zero Interest Rates on I-Bonds

Thx for an excellent post, #Cruncher!
by tyler_cracker
Wed Jul 29, 2015 11:36 pm
Forum: Investing - Theory, News & General
Topic: Why is stock market so reactionary to news on daily basis?
Replies: 46
Views: 3362

Re: Why is stock market so reactionary to news on daily basis?

no one else has said it yet so i will:

that is not what reactionary means.
by tyler_cracker
Sun Jul 26, 2015 7:30 pm
Forum: Investing - Theory, News & General
Topic: Substitutes for WSJ Personal Finance and Investing Article
Replies: 16
Views: 2580

Re: Substitutes for WSJ Personal Finance and Investing Article

PGary wrote:Would be helpful to have mechanism to know when new information is available on the Bogleheads wiki page


https://www.bogleheads.org/wiki/Special:RecentChanges is a start
by tyler_cracker
Sat Jul 11, 2015 2:44 pm
Forum: Investing - Theory, News & General
Topic: Do Dividends Actually Add To The Total Return of a Stock?
Replies: 40
Views: 4805

Re: Do Dividends Actually Add To The Total Return of a Stock?

Do Dividends Actually Add To The Total Return of a Stock


no
by tyler_cracker
Fri Jul 10, 2015 8:09 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs Active Stock Selection
Replies: 50
Views: 4464

Re: Indexing vs Active Stock Selection

one of my colleagues gave a talk about basic personal finance. in it, he highlighted the importance of diversifying away from company stock. he made his point with a personal anecdote: fifteen years ago, he was a young engineer working for a promising early web company, USWeb. company stock was thro...
by tyler_cracker
Tue Jun 16, 2015 12:11 pm
Forum: Investing - Theory, News & General
Topic: Cost difference
Replies: 27
Views: 2515

Re: Cost difference

livesoft,

i just wanted to say that i love you and to encourage you to ignore the haters and their helicopter parenting.
by tyler_cracker
Thu Jun 11, 2015 11:02 am
Forum: Investing - Theory, News & General
Topic: REITs - why the volatility?
Replies: 44
Views: 4763

Re: REITs - why the volatility?

I re read some of the comments on this thread. You guys do not sound like investors. You sound like speculators. i agree so i'll make one of these posts: i had money to invest. the little number next to my REIT allocation was red, so i bought more. i feel good about it because i believe in my writt...
by tyler_cracker
Sat May 30, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Can this be possible? [Not lose money during 2008 crash]
Replies: 57
Views: 7126

Re: Can this be possible?

z3r0c00l wrote:The most likely answer is that they are lying.


http://en.wikipedia.org/wiki/Hanlon%27s_razor
by tyler_cracker
Wed May 20, 2015 9:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 69
Views: 12464

Re: Vanguard implements 20 character passwords

i don't have Duckie's option either. i'm a voyager fwiw.
by tyler_cracker
Fri Apr 24, 2015 12:00 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3087
Views: 684610

Re: U.S. stocks in freefall

TwoByFour wrote:What is the point of this thread anyway?


perspective.
by tyler_cracker
Tue Mar 10, 2015 12:30 pm
Forum: Investing - Theory, News & General
Topic: What is so intelligent about Schwab Intelligent Portfolio??
Replies: 7
Views: 1439

Re: What is so intelligent about Schwab Intelligent Portfoli

livesoft wrote:It is all about marketing and "Intelligent" has a nice ring to it, doesn't it? It wouldn't be good marketing to call it the "Schwab Reasonable Portfolio", would it?


i think they learned their lesson from the great Fidelity Fund For Dullards debacle of '04.
by tyler_cracker
Fri Mar 06, 2015 10:17 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz of Morningstar on backdoor Roth.
Replies: 2
Views: 994

Re: Christine Benz of Morningstar on backdoor Roth.

your link didn't work for me (trailing slash in url). this one is fixed:

Backdoor Roth IRA? Avoid these six mistakes.
by tyler_cracker
Tue Feb 24, 2015 1:14 pm
Forum: Investing - Theory, News & General
Topic: Active managers outperform the index by 0.12% before fees?
Replies: 22
Views: 2357

Re: Do most active managers outperform index before expense?

nobsinvestor wrote:An average means half are higher, half are lower. So it's 50% for that reason :happy


that's not what "average" means.
by tyler_cracker
Wed Feb 04, 2015 1:19 pm
Forum: Investing - Theory, News & General
Topic: Best investment for $500
Replies: 31
Views: 2598

Re: Best investment for $500

VT

(Your message contains 2 characters. The minimum number of characters you need to enter is 5.)
by tyler_cracker
Sun Feb 01, 2015 4:29 pm
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3775

Re: Buy High, Sell Low : Avoid Market Timing

Right. Buying equities and selling them to buy bonds is the same thing! it's market timing not because of what you buy or sell. it's market timing because of why you choose to buy or sell. I didn't act on just intuition, by the way (not that I feel I owe you any explanation whatsoever). (bold added...
by tyler_cracker
Sun Feb 01, 2015 3:36 pm
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3775

Re: Buy High, Sell Low : Avoid Market Timing

Seriously, do you see no difference whatsoever in what I wrote and the first paragraph of the OP? not really, no: The market is on a roll doing great so you get greedy and buy more equities. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in my AA...
by tyler_cracker
Sun Feb 01, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3775

Re: Buy High, Sell Low : Avoid Market Timing

Whenever I read posts like this I think my brain must be wired backwards from everybody else's. In early 2009 I was happy to invest my IRA contributions in the riskiest asset classes I could find. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in...
by tyler_cracker
Thu Jan 29, 2015 1:05 am
Forum: Investing - Help with Personal Investments
Topic: 401k - Did I over contribute?
Replies: 5
Views: 979

Re: 401k - Did I over contribute?

fwiw i had the opposite problem in 2012 (last contribution of the year cleared in early january 2013). all the tax forms showed it correctly and the irs never yelled at me. i agree with the dragonborn that you're probably fine.
by tyler_cracker
Sun Jan 18, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 45
Views: 6381

Re: Malkiel's recommendations, 1990 to 2015

The comment seems dumb in retrospect as the Boglehead Bond Panic of 2013 turned out to be a big fizzle. But bond bear markets DO happen and just because 2013 was a very mild downturn in bonds doesn't mean that a bad downturn can't happen. I recall Dr. Bernstein's posts on this forum about the reall...
by tyler_cracker
Sun Jan 18, 2015 1:04 pm
Forum: Investing - Theory, News & General
Topic: Malkiel's recommendations, 1990 to 2015
Replies: 45
Views: 6381

Re: Malkiel's recommendations, 1990 to 2015

in addition to what Leeraar quoted, this stands out to me as being pretty dumb: bonds at these interest rates are particularly risky, because you could take some really bad capital losses in bonds when interest rates start to go up. nisi and others have debunked this piece of FUD repeatedly, as is k...
by tyler_cracker
Mon Jan 05, 2015 11:03 am
Forum: Investing - Theory, News & General
Topic: Was it a mistake to move into PenFed 5-year CDs a year ago?
Replies: 55
Views: 6354

Re: Was it a mistake to move into PenFed 5-year CDs a year a

i think you should post this in the Biggest Surprises of 2014 thread -- a random on the internet has confused strategy with outcome! :shock:
by tyler_cracker
Sun Dec 21, 2014 12:44 am
Forum: Investing - Theory, News & General
Topic: White Coat Investor in Forbes
Replies: 37
Views: 6993

Re: White Coat Investor in Forbes

EmergDoc wrote:The goofy stethoscope one is probably better as it helps people see it's a site for docs, not canyoneers.


save that one for when you launch The Wet Suit Investor: Investing And Personal Finance Advice For Canyoneers, SCUBA Divers, Surfers, And [(removed) --admin LadyGeek].
by tyler_cracker
Wed Dec 10, 2014 11:58 pm
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2955

Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Yeah, triple clutz or something like that.


:D

http://www.bogleheads.org/forum/viewtop ... 0#p2201443

whole thread is great but Jupiter's post is the piece de resistance
by tyler_cracker
Wed Dec 10, 2014 10:59 pm
Forum: Investing - Theory, News & General
Topic: Why are Falling Oil Prices Bad for the Stock Market
Replies: 29
Views: 2955

Re: Why are Falling Oil Prices Bad for the Stock Market

EarlyStart wrote:Image


this is a diagram of how to perform a figure skating maneuver, right?
by tyler_cracker
Tue Nov 25, 2014 9:59 pm
Forum: Investing - Theory, News & General
Topic: Investing in 100 Words
Replies: 19
Views: 2133

Re: Investing in 100 Words

rather than picking 100 words to invest in, i own the whole dictionary.
by tyler_cracker
Tue Nov 18, 2014 10:06 pm
Forum: Investing - Theory, News & General
Topic: My 2015 ETF IRA purchase date: 30 DEC 2014
Replies: 3
Views: 1133

Re: My 2015 ETF IRA purchase date: 30 DEC 2014

thx bbl. i'm exactly the kind of ocd that reads this thread's title and goes

Image

i usually queue up the ira contribution in my sweep account early anyway so i might try out your tactic this year. thx for posting :)
by tyler_cracker
Mon Nov 17, 2014 10:57 pm
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1363

Re: Mark your calendar for year-end fund distributions

mptfan wrote:"The price of my mutual fund dropped by 2% today, but the market was up, what is going on????!!!!"


i actually use these posts as a signal that my sweep account is about to have cash that needs attention.
by tyler_cracker
Sun Oct 12, 2014 11:07 am
Forum: Investing - Theory, News & General
Topic: Why not 100% Stocks?
Replies: 293
Views: 30717

Re: Why not 100% Stocks?

JohnnyFive wrote:try not to make broad generalizations (especially when you know nothing about the person in question...


JohnnyFive wrote:Holding all or most of your wealth in CDs is never, under ANY circumstance, the right thing to do. Never.
by tyler_cracker
Thu Sep 25, 2014 12:41 pm
Forum: Investing - Theory, News & General
Topic: Equity ETFs with some downside protection?
Replies: 4
Views: 463

Re: Equity ETFs with some downside protection?

imo this is like asking "what car should i buy for hauling lumber?"

the answer is that you shouldn't buy a car; you should buy a truck:

placeholder wrote:you normally do that with fixed income.
by tyler_cracker
Sun Aug 31, 2014 11:39 pm
Forum: Investing - Help with Personal Investments
Topic: Bonds for young(er) people
Replies: 10
Views: 1206

Re: Bonds for young(er) people

hi gravity, i'm 35 and faced the same decision a couple years ago. some observations: - i concluded that total bond market is Good Enough. it's Mario and Luigi -- it has some strengths and some weaknesses but it's basically "average". if i could only own one bond fund, i'd own TBM. - i bon...
by tyler_cracker
Fri Aug 29, 2014 11:24 pm
Forum: Investing - Help with Personal Investments
Topic: ibond etf
Replies: 2
Views: 626

Re: ibond etf

IBDD has NOTHING to do with the US Treasury Series I Bonds that we frequently discuss: from http://www.ishares.com/us/products/254555/isharesbond-mar-2023-corporate-term-etf: 1. Exposure to investment grade corporate bonds that mature between April 2022 and March 2023 so this is a corporate bond etf...

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