Search found 7298 matches

by tadamsmar
Wed Oct 18, 2017 6:58 am
Forum: Investing - Theory, News & General
Topic: Alternatives to selling TSM from a taxable account
Replies: 5
Views: 520

Re: Alternatives to selling TSM from a taxable account

jdilla1107 wrote:
Tue Oct 17, 2017 7:58 pm
Direct all new funds plus all stock dividends to bonds. Around 2% of your stock portfolio can naturally shift to bonds per year through dividends alone.
We are retired. The dividends go for consumption. There is some income and that all goes into bonds in 401Ks.
by tadamsmar
Tue Oct 17, 2017 7:45 pm
Forum: Investing - Theory, News & General
Topic: Alternatives to selling TSM from a taxable account
Replies: 5
Views: 520

Alternatives to selling TSM from a taxable account

This is kind of a half theory half help with investments question. I am at a point where I have sold all my US equities that where held in tax-deferred accounts. If I wanted to reduce my risk from exposure to the TSM further, what are the alternative to selling from taxable accounts. I am at the poi...
by tadamsmar
Tue Oct 17, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds?
Replies: 33
Views: 2693

Re: Why would anyone buy long term bonds?

Almost all the threads on bonds in this Forum are hung up on bonds in isolation. As a result most of the discussion is beside the point. There are some reasonable exceptions, of course. Any idea if efficient horizon changes if holding LT Treasuries instead of TBM? I think it will change a bit. And ...
by tadamsmar
Tue Oct 17, 2017 4:24 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds?
Replies: 33
Views: 2693

Re: Why would anyone buy long term bonds?

Interesting...I was just arguing against LT Treasuries on another thread but decided to do a backtest. The good thing about them is that they are the least correlative asset to stocks. Some consider high return/low correlation to be the "holy grail" of investing. Backtesting stocks, total bond, and...
by tadamsmar
Tue Oct 17, 2017 4:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 5969

Re: Vanguard expects "decent sized correction" soon, sometime, maybe later

I have some cash to invest. Should I wait for the correction to invest? Valuations matter, don't they? Will this correction raise inflation above the 2% that the Fed is hoping for so that they can raise interest rates? Will it cause unemployment to increase? How will the Fed respond to rising unemp...
by tadamsmar
Tue Oct 17, 2017 2:40 pm
Forum: Investing - Theory, News & General
Topic: Vanguard expects "decent sized correction" soon, sometime, maybe later
Replies: 67
Views: 5969

Re: Vanguard expects "decent sized correction" soon

I am not an expert, and I am skeptical of expert forecasts. I am applying my own logic as follows: - potential drivers for higher market values (e.g., tax cuts) are already priced in - failure to accomplish market-friendly initiatives would send the market down - geopolitical events in the U.S. or ...
by tadamsmar
Tue Oct 17, 2017 12:17 pm
Forum: Investing - Help with Personal Investments
Topic: Why would anyone buy long term bonds?
Replies: 33
Views: 2693

Re: Why would anyone buy long term bonds?

Here's an analysis that says that long term equity yield is -2.5%

https://www.gurufocus.com/shiller-PE.php

Could be the smart money is buying long term bonds!
by tadamsmar
Mon Oct 16, 2017 8:05 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued. For me, adjusting my asset allocation would involve adjusting my target for rebalancing. But Bogle is against rebalancing, so there is no targe...
by tadamsmar
Sun Oct 15, 2017 8:16 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

So what is it or isn't. Jack Bogle suggested to make moderate adjustments to your asset allocations. It's the same advice if it was or wasn't fully valued. For me, adjusting my asset allocation would involve adjusting my target for rebalancing. But Bogle is against rebalancing, so there is no targe...
by tadamsmar
Sat Oct 14, 2017 3:05 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: Bogle thinks markets are fully valued

https://www.thestreet.com/amp/story/14333626/1/stock-market-is-fully-valued-says-vanguard-s-bogle.html "I believe strongly that [investors] should be realizing valuations are fairly full, and if they are nervous they could easily sell off a portion of their stocks.," said Bogle, adding that investo...
by tadamsmar
Fri Oct 13, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

^ good point regarding rebalancing. But if that is what he meant he should have been more explicit. What we call "rebalancing" is based on time (for instance, once a year) or a percentage-of-equities trigger point. He seems to be using a PE trigger point and the process is vague. But the goal is th...
by tadamsmar
Thu Oct 12, 2017 9:24 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: Bogle thinks markets are fully valued

https://www.thestreet.com/amp/story/14333626/1/stock-market-is-fully-valued-says-vanguard-s-bogle.html "I believe strongly that [investors] should be realizing valuations are fairly full, and if they are nervous they could easily sell off a portion of their stocks.," said Bogle, adding that investo...
by tadamsmar
Mon Oct 09, 2017 1:36 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k for Side Income - Checking My Thinking
Replies: 16
Views: 650

Re: Solo 401k for Side Income - Checking My Thinking

The bigger issue is that it is difficult to determine exactly what the net side income would be before the end of the year, so it's possible that trying to allocate 401(k)s this way might lead to missing the $18k maximum. You can contribute to the solo after the end of the year. Don't recall the ex...
by tadamsmar
Sun Oct 08, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17
Replies: 87
Views: 11978

Re: The Stock Market Is "Fully Valued," Says Vanguard's Jack Bogle 10/7/17

I target a 50% allocation to equities. Can someone advise me by how much I should reduce that in view of current conditions? What bond fund should I use for the shift, or maybe CDs? He says (in the audio) sell back to your allocation before the market increased drastically. But only if you are nerv...
by tadamsmar
Sun Oct 08, 2017 9:30 pm
Forum: Personal Consumer Issues
Topic: what if I forget my security questions?
Replies: 19
Views: 1351

Re: what if I forget my security questions?

I'm nervous about the equifax breach (and similar ones). I don't care so much about someone taking out a loan in my name. That would be a hassle, but I'd come out ok. What I really really care about is someone taking over my investment accounts by claiming to be me and knowing all my personal info....
by tadamsmar
Sat Oct 07, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

Right, live up to your responsibilities. Among them, as documented on the page you linked to: "Never share your user name, password, or other account-related information with anyone." Don't share your passwords with anyone includes your spouse or children (if elderly); you can give them access righ...
by tadamsmar
Sat Oct 07, 2017 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Identity theft

Maybe someone has pointed this out but on every account I have I immediately get a notification at my old email address that it has been changes along with a message to contact them if this is an unauthorized change. Does TransAmerica not do this? I believe Brak has said his father had no email add...
by tadamsmar
Sat Oct 07, 2017 4:02 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

Thanks for posting this. I've increased the security on my accounts. I would get a lawyer involved in this situation. I think that a letter from your lawyer will put more pressure on Trans America. In the event that Trans America does not return your money, I would let them know that you plan to go...
by tadamsmar
Fri Oct 06, 2017 8:51 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

Celia - the custodian did not realize the funds were stolen until we contacted them, which occurred after we received a transaction confirmation in the mail showing that the account had $52,000 withdrawn. We received the confirmation letter approximately twelve days after the withdrawal actually oc...
by tadamsmar
Fri Oct 06, 2017 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

Clarification: the security questions were, date of birth, address, SS#, and mother's maiden name. When I called Trans America they said that there is now an option for a more personal security question, but my father's account did not have one. Perhaps your father has a good case for reimbursement...
by tadamsmar
Fri Oct 06, 2017 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

I doubt that the victim even had any kind of logon credentials on his account,the "logon credentials" were added by the crooks. According his son's posts here, victim had security questions specified: So here is what I know so far. The custodian of my father's IRA states that in early September the...
by tadamsmar
Fri Oct 06, 2017 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

This is very disturbing. I wonder how often something like this happens. Seems like a good reason to diversify custodians even though Vanguard's security seems solid. Brak, please keep us informed. Maybe, but it's important to know that all custodians are not equal. So you could diversify into a ri...
by tadamsmar
Thu Oct 05, 2017 9:35 pm
Forum: Personal Finance (Not Investing)
Topic: Retirement Account Stolen by Identity theft
Replies: 187
Views: 20855

Re: Retirement Account Stolen by Identity theft

We are not responsible for damages or losses resulting from any breach of security caused by your failure to maintain the confidentiality of your Access Codes or any other security or authentication technique we utilize, unless otherwise required by law. https://www.transamerica.com/individual/term...
by tadamsmar
Thu Oct 05, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 116
Views: 13859

Re: TSP to Vanguard?

This has nothing to do with federal laws. Vanguard is not required by law to reimburse if your PC or login credential are hacked or stolen and Vanguard was not at at fault. The private firms just provide a limited guarantee because their customers are not a captive audience, I guess. They could not...
by tadamsmar
Wed Oct 04, 2017 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 116
Views: 13859

Re: TSP to Vanguard?

As someone who likes to keep my options open, I cannot imagine why you would close your TSP. It's not all or nothing - you don't have to keep all your money in the TSP. In spite of the various disadvantages of the TSP, there are many advantages including: ERISA plans could have better asset protect...
by tadamsmar
Wed Oct 04, 2017 5:50 am
Forum: Personal Finance (Not Investing)
Topic: Senior citizens can lose everything [to professional guardians via court rulings]
Replies: 111
Views: 9140

Re: Senior citizens can lose everything [to professional guardians via court rulings]

I sent this link to a friend who has a law degree and deals with some guardianship cases in Texas. I got back this response: I didn’t read thru the whole thing because after a few paragraphs I can tell the author was making things up. He or she claimed the elderlies didn’t know about this guardians...
by tadamsmar
Tue Oct 03, 2017 9:15 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris - should we buy tickets in advance?
Replies: 37
Views: 1611

Re: Visiting Paris - should we buy tickets in advance?

As others have said, get museum passes: http://en.parismuseumpass.com/ I think we bought them online in advance. They allow you to bypass the ticket buying lines and use the group/pass holder entrance. Saves time. I found the Rick Steve's audio tours to be good: https://www.ricksteves.com/watch-read...
by tadamsmar
Tue Oct 03, 2017 10:23 am
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2170

Re: Book Recommendations: Nutrition / Psychology

The China study for nutrition. I think even T. Colin Campbell has given up trying to support it as legit science. Could you give a citation for that claim. I can't find one. A citation for a study that the writer of a book (it is not a study, Campbell's data or analysis was not peer-reviewed) has g...
by tadamsmar
Tue Oct 03, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 116
Views: 13859

Re: TSP to Vanguard?

js2721 wrote:
Tue Oct 03, 2017 6:05 am
Ybsybs wrote:
Fri May 13, 2016 5:55 pm
tompillion wrote:C - 34%
F - 38%
S - 24%
I - 4%
Is there a reason you've chosen not to use the G Fund?
G fund is of little value as a retirement resource imo.....I prefer the C & S & I since it's long term.
You prefer no bond allocation ever?
by tadamsmar
Tue Oct 03, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: TSP to Vanguard?
Replies: 116
Views: 13859

Re: TSP to Vanguard?

In my opinion, moving our investment portfolio to Vanguard was the best financial decision we ever made. Thank you Jack Bogle! Yea, but not from the TSP. Hi LAlearning, I am surprised that you would know where we transferred from. In any event it was a wise decision to move to Vanguard. He inferred...
by tadamsmar
Thu Sep 21, 2017 2:12 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Return and Investing Ideas
Replies: 40
Views: 3332

Re: Bitcoin Return and Investing Ideas

You can earn interest on bitcoins. At least that is what google searches indicate.

So there is apparently a form of return that is not what we normally refer to as speculation.
by tadamsmar
Thu Sep 21, 2017 5:28 am
Forum: Investing - Theory, News & General
Topic: Bitcoin Return and Investing Ideas
Replies: 40
Views: 3332

Re: Bitcoin Return and Investing Ideas

Bitcoin returns are like capital gains, you are suppose to pay taxes on them. That would need to be factored into the analysis of returns as with normal investing. There's some uncertainty about the status of 1031 like-kind exchanges for bitcoins. 1031 holds for commodities. But not all US governmen...
by tadamsmar
Sat Sep 16, 2017 7:40 pm
Forum: Personal Consumer Issues
Topic: Account security - Hackers gain access to mobile and then break havoc
Replies: 132
Views: 9715

Re: Account security - Hackers gain access to mobile and then break havoc

and exactly who bears the responsibility (legally) for the fraudulent breach? Let's assume they can't breach your questions security codes with correct answers. I will try to answer a related question "Will I get reimbursed for a fraudulent breach where funds are stolen?" If it's a bank and or a cr...
by tadamsmar
Thu Sep 14, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12311

Re: Bitcoin in 3-fund indexed portfolio?

Your 5% fun money becomes your 3% fun money.
by tadamsmar
Tue Sep 12, 2017 5:18 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin in 3-fund indexed portfolio?
Replies: 177
Views: 12311

Re: Bitcoin in 3-fund indexed portfolio?

There is some question as to whether the feds are really treating bitcoin as a commodity.

https://klasing-associates.com/virtual- ... -position/

Indicates it's not clear if you can use a 1031 exchange if you trade between cryptocurrencies.
by tadamsmar
Fri Sep 08, 2017 6:45 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12801

Re: Florida Hurricanes: When and where to go?

I am amazed at how many people are still in Florida, including many that can easily afford to leave. Roosevelt. Last I checked, less than 5% of Floridians are under a mandatory or voluntary evacuation order. And even those don't need to leave the state to conform to the order. Might exceed 5% with ...
by tadamsmar
Thu Sep 07, 2017 5:29 pm
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1955

Re: Critique this TSP allocation

The closest L (lifestyle) fund is the L income fund, all the target funds default to the L income at their target date. L income has predominantly G fund, with 6% F fund, and I think about 11% C (SP500) fund, and a bit of S (small cap) and I (international). Last night I went to 100 percent G fund ...
by tadamsmar
Thu Sep 07, 2017 3:50 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12801

Re: Florida Hurricanes: When and where to go?

OP should have left on Monday when it was clear what was coming. Having lived through 5 hurricanes it is often the case that you're not really sure where it is going or the strength. This one is pretty clear and has been for a while. Now there are gas stations out of fuel and if he/she has gas, the...
by tadamsmar
Thu Sep 07, 2017 5:47 am
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12801

Re: Florida Hurricanes: When and where to go?

Thought this was an interesting article on the variations in building codes in Florida: http://www.miamiherald.com/news/special-reports/hurricane-andrew/article1940341.html Food for thought if you are looking for a safe place to hide from the wind. I was watching the Weather Channel. Bettes was aski...
by tadamsmar
Thu Sep 07, 2017 5:30 am
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1955

Re: Critique this TSP allocation

I was going to split the bond allocation into 50% G, 50% F, but when I looked at TSP 's target funds, they keep most of the bonds in the G, and stay with only 6% in the F fund. Does that make any sense? Outside of TSP, people who do two or three fund, etc., may hold Total Bond or Intermediate. In b...
by tadamsmar
Wed Sep 06, 2017 4:57 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12801

Re: Florida Hurricanes: When and where to go?

We are new to Southeast Florida and hurricane season is upon us. Besides preparing and knowing where the hurricane shelters are, I have 2 specific questions. 1. What is the optimal time frame to leave the area? Leaving too early each time is cumbersome and leaving too late is too risky. Hurricanes ...
by tadamsmar
Wed Sep 06, 2017 2:10 pm
Forum: Personal Consumer Issues
Topic: Florida Hurricanes: When and where to go?
Replies: 141
Views: 12801

Re: Florida Hurricanes: When and where to go?

I noticed on the Weather Channel they recommended the motto: "Run from the water, hide from the wind" The idea is that the storm surge is deadly. But you can hunker down in a safe structure to hide from the wind (usually). Wilma hit FL as a cat 3 and had winds of 110 all across the state, assuming I...
by tadamsmar
Wed Sep 06, 2017 3:04 am
Forum: Investing - Help with Personal Investments
Topic: Critique this TSP allocation
Replies: 28
Views: 1955

Re: Critique this TSP allocation

Please critique this TSP allocation: G: 10% F: 0% I: 40% S: 40% C: 10% A poster on here posited earlier than the C-fund is basically a terrible S&P 500 fund.. and that something similar to the above would be a good allocation with a heavier international tilt. I do have $50K VTSAX in a taxable acco...
by tadamsmar
Tue Sep 05, 2017 8:47 pm
Forum: Personal Consumer Issues
Topic: Book Recommendations: Nutrition / Psychology
Replies: 28
Views: 2170

Re: Book Recommendations: Nutrition / Psychology

stoptothink wrote:
Tue Sep 05, 2017 8:29 pm
PoppyA wrote:
Mon Sep 04, 2017 6:38 pm
The China study for nutrition.
I think even T. Colin Campbell has given up trying to support it as legit science.
Could you give a citation for that claim. I can't find one.
by tadamsmar
Mon Sep 04, 2017 7:01 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4313

Re: Estate Administration Question

"The court may appoint a public administrator to manage the estate if no relatives step forward after the creditor files a petition." http://info.legalzoom.com/happens-one-moves-settle-estate-20982.html I think that means the taxpayers pay the cost of administration if no one else is willing. Thank...
by tadamsmar
Mon Sep 04, 2017 7:53 am
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4313

Re: Estate Administration Question

This is a weird hypothesis in the first place why would someone name someone as executor and part of the estate but a minor position and not name them as beneficiary elsewhere while at the same time having no direct heirs. Yes, if I was the designated beneficiary in this case, I would decline and s...
by tadamsmar
Mon Sep 04, 2017 7:36 am
Forum: Investing - Theory, News & General
Topic: Why can't the future of stocks be predicted
Replies: 61
Views: 3392

Re: Why can't the future of stocks be predicted

Why can't the future of stocks be predicted, considering the fact that stocks should follow the laws of economy which you would think are based on rational actions They can be predicted to some extent. We invest in stocks because we give credence to the prediction that stocks are more likely to inc...
by tadamsmar
Thu Aug 31, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4313

Re: Estate Administration Question

If it is in Joe's interest to make a loan and he has the money, then he could make a personal loan to the estate. It is in his interest if and only if the estate is good for the loan and he is a significant enough heir to the estate that he will likely lose inheritance if the insurance and/or utilit...
by tadamsmar
Wed Aug 30, 2017 9:26 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Administration Question
Replies: 65
Views: 4313

Re: Estate Administration Question

There is a house worth presumable a reasonable amount of money it just needs to be dealt with. Of course a lot of homes just fall apart after the death of their elderly occupant bec upkeep has been poor anyway for a while and now it is worse and as stated elsewhere there is fighting over who is goi...