Search found 4558 matches

by tetractys
Thu Dec 21, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: ETF at Merril Edge
Replies: 38
Views: 1862

Re: ETF at Merril Edge

Certainly Merril Edge (or Merril Whatever) will get you somewhere along the line. This is their record and culture. Any long time investors, and especially those that have had experience with ML know this. Someday you might find this out and have to pay huge exit fees to escape. Remember the Merril...
by tetractys
Thu Dec 21, 2017 5:30 pm
Forum: Investing - Help with Personal Investments
Topic: ETF at Merril Edge
Replies: 38
Views: 1862

Re: ETF at Merril Edge

Certainly Merril Edge (or Merril Whatever) will get you somewhere along the line. This is their record and culture. Any long time investors, and especially those that have had experience with ML know this. Someday you might find this out and have to pay huge exit fees to escape. Remember the Merril...
by tetractys
Thu Dec 21, 2017 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: ETF at Merril Edge
Replies: 38
Views: 1862

Re: ETF at Merril Edge

Certainly Merril Edge (or Merril Whatever) will get you somewhere along the line. This is their record and culture. Any long time investors, and especially those that have had experience with ML know this. Someday you might find this out and have to pay huge exit fees to escape. Remember the Merrill...
by tetractys
Thu Dec 21, 2017 12:03 am
Forum: Personal Consumer Issues
Topic: Fuel Additives for 2017 Toyota Camry
Replies: 50
Views: 3505

Re: Fuel Additives for 2017 Toyota Camry

The service technician said that I should add a gasoline additive to my 2017 Camry every 6 months. He said that ethanol could separate from gasoline interact with bacteria and cause engine problems with my 2017 Camry. The additive was supposed to prevent this, and cost $16.95. Ha ha, that's quite f...
by tetractys
Wed Dec 20, 2017 1:58 pm
Forum: Investing - Theory, News & General
Topic: iOS Vanguard app
Replies: 1
Views: 405

Re: iOS Vanguard app

No other option; but you can use the main sight in Safari. — Tet
by tetractys
Wed Dec 20, 2017 1:50 am
Forum: Personal Finance (Not Investing)
Topic: Best online, real time tracker to watch my portfolio
Replies: 25
Views: 2223

Re: Best online, real time tracker to watch my portfolio

For real time Google works well. I used to use it for trading etf’s before I got rid of them. — Tet
by tetractys
Wed Dec 20, 2017 1:43 am
Forum: Investing - Theory, News & General
Topic: Paul Merriman and Small Cap Value
Replies: 137
Views: 14755

Re: Paul Merriman and Small Cap Value

I like small value as a way to avoid small growth. — Tet
by tetractys
Sun Dec 17, 2017 1:12 am
Forum: Personal Consumer Issues
Topic: How much do you spend on food per month, per person?
Replies: 151
Views: 10374

Re: How much do you spend on food per month, per person?

Maybe $100. I don’t buy much junk and stay basic. Restaurants are way too slow and the food is unhealthy, so I generally avoid them.— Tet
by tetractys
Sun Dec 17, 2017 1:08 am
Forum: Personal Consumer Issues
Topic: New Car - Always use parking brake ?
Replies: 72
Views: 7560

Re: New Car - Always use parking brake ?

With brake pedal depressed, I put the car in park, engage the parking brake, and then turn off the lights, engine, and remove the keys. It’s a safety habit. — Tet
by tetractys
Sun Dec 10, 2017 11:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard economic and market outlook for 2018
Replies: 33
Views: 4067

Re: Vanguard economic and market outlook for 2018

Anything like this is a total turnoff to me. I’m sure for Vanguard it’s a marketing obligation. The outlook from Fischer Investments is probably just as credible and can be delivered in a real fancy envelope. — Tet
by tetractys
Sun Dec 10, 2017 10:35 pm
Forum: Personal Consumer Issues
Topic: What MPG App Do You Use To Track Fuel Usage ?
Replies: 61
Views: 3076

Re: What MPG App Do You Use To Track Fuel Usage ?

I use a spreadsheet that’s part of a workbook for my car—the first ever bought new from a dealer. Have owned the car for 6 years and a month now. All costs included, my average cost per mile (low mileage) is $0.85. Fuel averages: 14.994 gals/fill, $46.27/tank, $3.092/gal, $0.133/mile, 347 miles/tank...
by tetractys
Thu Nov 30, 2017 8:32 am
Forum: Personal Consumer Issues
Topic: Mac OS Tags for files? How do you use them?
Replies: 4
Views: 541

Re: Mac OS Tags for files? How do you use them?

They used to tint the entire icon, and I would use them to make important documents stand out on my desktop or in folders. Now that they’re just a bullet I’ve stopped doing that altogether. The usual folder hierarchy has been plenty, and so haven’t resorted to the added level tags provide. It’s nice...
by tetractys
Wed Nov 29, 2017 10:08 pm
Forum: Personal Consumer Issues
Topic: Don't leave your mac unattended! It has zero security now.
Replies: 21
Views: 3281

Re: Don't leave your mac unattended! It has zero security now.

That was a simple fix.
LuigiLikesPizza wrote:
Wed Nov 29, 2017 4:39 pm
I capitulate. Picking up a Chromebook.
Good luck with that. -- Tet
by tetractys
Wed Nov 29, 2017 7:47 pm
Forum: Investing - Theory, News & General
Topic: Merrill Lynch Equity Index Trust Institutional
Replies: 0
Views: 217

Merrill Lynch Equity Index Trust Institutional

Anyone have historical quotes for this fund, or know how to get them?

Thanks, I would really appreciate it. -- Tet
by tetractys
Fri Nov 24, 2017 11:13 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone tired of the stock market going up?
Replies: 309
Views: 32643

Re: Anyone tired of the stock market going up?

I look at the stock market as a bunch of people following their nature. So on one hand yes I'm tired of it, but on the other I can, and do, live with it. This all plays into one's risk tolerance of course, so that's how I deal with it--keeping my risk at a comfortable (enough) level. It's never enti...
by tetractys
Fri Nov 24, 2017 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Software and handling of Schedule D
Replies: 15
Views: 1641

Re: Tax Software and handling of Schedule D

One can do a lot of tax form entries in the time it takes to do a thread with the Bogleheads. It's nice to be here I guess. But my take is it doesn't matter how the IRS gets the info, as long as it's accurate. -- Tet
by tetractys
Mon Nov 20, 2017 4:07 pm
Forum: Personal Finance (Not Investing)
Topic: Tax Returns - How Long Do you Keep?
Replies: 56
Views: 5840

Re: Tax Returns - How Long Do you Keep?

Electronically going back since that was possible. Hard copies since the time we could file on a postcard. I don’t know the exact dates off hand. — Tet
by tetractys
Mon Nov 20, 2017 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 47
Views: 7282

Re: Quicken 2018 for Mac [and PC Released]

I'm still on the fence as to which of the two I will keep. (addendum: it's MD) -- Tet Why Moneydance over Banktivity? Banktivity seems to have really invest a lot in the latest version. Well I tried Banktivity. I can’t remember all the details; but generally it’s a low powered Quiken lookalike. MD’...
by tetractys
Mon Nov 20, 2017 1:39 pm
Forum: Investing - Help with Personal Investments
Topic: Managing taxable portfolio as retirement nears
Replies: 2
Views: 458

Re: Managing taxable portfolio as retirement nears

I’m also planning to retire within the next few years. In taxable I’ve been targeting my full retirement asset allocation for a couple years now, contrary to the rest of my portfolio which is more aggressive, and balancing the difference in my pretax work plan. So in taxable pretty much all distribu...
by tetractys
Sun Nov 19, 2017 1:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Total Bond BND vs VBTLX (etf vs fund)?
Replies: 11
Views: 1654

Re: Vanguard Total Bond BND vs VBTLX (etf vs fund)?

The main difference is that VBTLX (or VWITX) will not produce the repeated headaches of ETF investing. — Tet
by tetractys
Sun Nov 19, 2017 1:03 am
Forum: Personal Finance (Not Investing)
Topic: Quicken 2018 for Mac [and PC Released]
Replies: 47
Views: 7282

Re: Quicken 2018 for Mac [and PC Released]

It’s been a few weeks now and I’ve totally transitioned to Moneydance 2017.5. Overall I’m very pleased. Some capabilities of MD are far beyond Q, like search and replace, batch changes, and reports—although there’s a learning curve for some different approaches. Also for the moment, MD is still work...
by tetractys
Mon Nov 13, 2017 11:47 pm
Forum: Personal Consumer Issues
Topic: Keurig died...what now?
Replies: 73
Views: 6331

Re: Keurig died...what now?

The second cheapest is Instant. Spoons and cups are pretty durable. — Tet
by tetractys
Thu Nov 09, 2017 5:59 pm
Forum: Personal Consumer Issues
Topic: What do you do to keep your mind sharp?
Replies: 65
Views: 5814

Re: What do you do to keep your mind sharp?

Music, exercise, thinking, eating and sleeping. — Tet
by tetractys
Thu Nov 09, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: "The small-cap effect really has failed to materialize"
Replies: 37
Views: 6201

Re: "The small-cap effect really has failed to materialize"

The US small-cap effect last materialized around 2013-14? If one wants to take advantage in the future, buy when the micro-cap indexes are deep in value territory, and then expect to be patient for a few to several years. — Tet
by tetractys
Wed Nov 08, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 9139

Re: U.S. & International Allocation

triceratop wrote:
Wed Nov 08, 2017 11:44 am
What's your source for that? Here's my evidence: Foreign Tax Credit Information for Vanguard Total World Stock Index Fund
Triceratops,

Oh yes you’re right! I was thinking of the old fund-of-funds. My gosh! — Tet
by tetractys
Wed Nov 08, 2017 11:34 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1803

Re: Password manager without browser extension?

On Mac with NO CLOUD the best way would be the regular Keychain—not the iCloud Keychain—along with an enrypted master list of secure information. Invariably the third party password apps introduce unnecessary headache. — Tet
by tetractys
Wed Nov 08, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 9139

Re: U.S. & International Allocation

Two points, one of them already alluded to here. All World funds carry definite tax consequences in taxable accounts. And because of Vanguard’s huge size, it has no choice but to economize by steering as many investors as possible into stringent market capitalization. — Tet What tax consequences, o...
by tetractys
Wed Nov 08, 2017 11:00 am
Forum: Personal Consumer Issues
Topic: Password manager without browser extension?
Replies: 34
Views: 1803

Re: Password manager without browser extension?

On Mac it’s much more convenient to use the iCloud Keychain along with an encrypted list of secure information. This is because Mac uses “sandboxing” which disallows third party apps from full cross platform functionality. The iCloud Keychain along with Safari works better than any third party apps ...
by tetractys
Sun Nov 05, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 45844

Re: Excel Macro using Yahoo Finance- not working

I am comfortable relaxing until tomorrow or the next day when all or most of the financial programs will have updated and reinforced the quotes channels. — Tet
by tetractys
Sun Nov 05, 2017 11:23 pm
Forum: Investing - Theory, News & General
Topic: U.S. & International Allocation
Replies: 57
Views: 9139

Re: U.S. & International Allocation

Two points, one of them already alluded to here. All World funds carry definite tax consequences in taxable accounts. And because of Vanguard’s huge size, it has no choice but to economize by steering as many investors as possible into stringent market capitalization. — Tet
by tetractys
Sun Nov 05, 2017 11:00 pm
Forum: Personal Finance (Not Investing)
Topic: Trade QUICKEN for Spreadsheet
Replies: 28
Views: 2363

Re: Trade QUICKEN for Spreadsheet

Just moved to Moneydance from Quicken with all sorts of accounts and data going back to 1996. IMO, a much easier and more powerful option than a spreadsheet (which I do use, BTW, for other finance things). The MD search and replace extension is awesome; it not only helped me straighten out my regist...
by tetractys
Sun Nov 05, 2017 8:37 pm
Forum: Investing - Theory, News & General
Topic: I-bond inflation irony?
Replies: 35
Views: 4205

Re: I-bond inflation irony?

This should answer the questions about savings bond redemptions at Federal Reserve and other Banks:
https://www.frbservices.org/resourcefaq ... -news.html

Best regards, Tet
by tetractys
Sun Nov 05, 2017 8:15 pm
Forum: Personal Consumer Issues
Topic: GoDaddy - Any better options for website hosting?
Replies: 69
Views: 7501

Re: GoDaddy - Any better options for website hosting?

I use GoDaddy for domain support; but have my files served at 0 cost somewhere else. I also have my personal information locked at GoDaddy, which costs a few dollars extra, but avoids scads of junk mail, and guards me from trolling harassments. My view is that the slightly higher expense GoDaddy cha...
by tetractys
Sun Nov 05, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: I-bond inflation irony?
Replies: 35
Views: 4205

Re: I-bond inflation irony?

I logged onto my TD account yesterday and did not have any issues, it let me right in. I wonder if this might be an issue with the way cookies are handled on the individual computer? Yes, you lose your cookies and you need authentication. I dump all my cookies every so often and then if logging int...
by tetractys
Sun Nov 05, 2017 12:51 pm
Forum: Personal Consumer Issues
Topic: bidets
Replies: 35
Views: 3774

Re: bidets

Incendiary,
Please provide us with more information. Depending on where you live, the cost of running water may outweigh the cost of toilet paper. -- Tet
by tetractys
Fri Nov 03, 2017 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: In 40s and no retirement [US ex-pat in Brazil]
Replies: 28
Views: 4080

Re: In 40s and no retirement [US ex-pat in Brazil]

Well, with a steady job SS only takes 10 years to accumulate, so you can easily have that taken care of by the time you retire. 44 is a good time to start. -- Tet
by tetractys
Fri Nov 03, 2017 4:15 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 45844

Re: Yahoo! Quote Not Working

So did Moneydance. Apple iPhone quoting quit for awhile, and then reawakened today. They're apps still credit Yahoo. And a new version of Apple Numbers just came out, which as of today gathers quotes with Yahoo just fine. -- Tet I've never used Numbers. It gathers quotes from where? Do you have a u...
by tetractys
Thu Nov 02, 2017 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1942

Re: Did Vanguard rob me of $150,000+, or no?

OK ok ... I'm embarrassed. I think I'll go back and change the title again. -- Tet
by tetractys
Thu Nov 02, 2017 11:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1942

Re: Did Vanguard rob me of $150,000+, or no?

How did Vanguard sell without any action from you? Frontier Communications Corporation (NASDAQ:FTR) today announced the completion of its 1-for-15 reverse stock split of the issued shares of common stock, which became effective as of the beginning of trading today. http://investor.frontier.com/rele...
by tetractys
Thu Nov 02, 2017 11:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1942

Re: Did Vanguard rob me of $150,000+, or no?

student wrote:
Thu Nov 02, 2017 11:01 pm
This is very strange. The trading volume for that day is over 1,000,000 shares so 2,100 shares should be fine. Can you look at the monthly statement from your account before the trade to see how much they were worth?
Already posted above. -- Tet
by tetractys
Thu Nov 02, 2017 10:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1942

Re: Did Vanguard rob me, or no?

And the price seems to be more in the $8-$9 range, so I don't understand either. Yes, that's the price now. The price has been going down pretty steadily since first quarter last year. Vanguard liquidated the shares of several stocks that day. If I had been watching the price action that wouldn't h...
by tetractys
Thu Nov 02, 2017 10:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard didn't rob me.
Replies: 12
Views: 1942

Vanguard didn't rob me.

On 4/5/2016 Vanguard sold 2,100 shares of FTR, Frontier Communications Corp. from my inherited IRA account for $5.28 a share. I was just looking at the historical data on Google and Yahoo, both quoting the high and low on that day as $81.45 and $78.30 respectively. Now I'm worried. Am I misreading t...
by tetractys
Thu Nov 02, 2017 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 7850

Re: Unable to Escape from Quicken Island ...

I have escaped. After trying a few alternatives, migrated to Moneydance. Not perfect; but there's a lot of untapped power under the hood, and the price is fair. I especially like the extensions capabilities. -- Tet In the attempt to find a Quicken replacement, I’ve been using Mondance for about a w...
by tetractys
Thu Nov 02, 2017 6:49 pm
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 45844

Re: Yahoo! Quote Not Working

So did Moneydance. Apple iPhone quoting quit for awhile, and then reawakened today. They're apps still credit Yahoo. And a new version of Apple Numbers just came out, which as of today gathers quotes with Yahoo just fine. -- Tet
by tetractys
Thu Nov 02, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: [Yahoo Finance no longer works - Alternatives to download securities quotes]
Replies: 287
Views: 45844

Re: Excel Macro using Yahoo Finance- not working

Peculiar_Investor wrote:
Thu Nov 02, 2017 7:47 am
Given the date when this occurred, the fear is this isn't a temporary glitch but a change in direction by the new Yahoo! owners.
Yes, looks like the channel has tightened up. Probably worth relaxing a week or a few for the film to develop. -- Tet
by tetractys
Thu Nov 02, 2017 10:09 am
Forum: Investing - Help with Personal Investments
Topic: 3 Admiral funds vs 1 Target fund?
Replies: 10
Views: 2464

Re: 3 Admiral funds vs 1 Target fund?

With separate funds you have the ability of avoiding securities you may not want, such as the mortgage backed securities of Total Bond Market. As far as the cost difference, considering the efficiency of continuous rebalancing in the all-in-one funds, it's debatable wether or not that will make a di...
by tetractys
Thu Nov 02, 2017 10:01 am
Forum: Personal Finance (Not Investing)
Topic: Unable to Escape from Quicken Island ...
Replies: 66
Views: 7850

Re: Unable to Escape from Quicken Island ...

I have escaped. After trying a few alternatives, migrated to Moneydance. Not perfect; but there's a lot of untapped power under the hood, and the price is fair. I especially like the extensions capabilities. -- Tet
by tetractys
Tue Oct 31, 2017 4:53 pm
Forum: Investing - Theory, News & General
Topic: More Bogleheads 2017 pictures
Replies: 17
Views: 3332

Re: More Bogleheads 2017 pictures

Thanks for the pics! I recognized J. Bogle. :sharebeer — Tet
by tetractys
Thu Oct 26, 2017 1:44 am
Forum: Personal Consumer Issues
Topic: Lastpass on iPhone easy to use?
Replies: 16
Views: 1498

Re: Lastpass on iPhone easy to use?

Tried Lastpass for several weeks and then replaced it with a combination of iCloud Keychain and an encrypted Pages table of security information. IMO, this is much more versatile and convenient. — Tet