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triceratop

I find that completely ridiculous. For core holding ETFs such as VTI, SPY, VOO, ITOT, etc., you're supposed to hold them forever ! As I mentioned in my previous posts, I would go even further and say that you shouldn't sell them even for rebalancing purposes. Additionally, every single ETF listed i...

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Quoting a comment from Hacker News: I wouldn't pay much attention to what people on HN say about finance. It is far outside their collective area of expertise (not that that ever stopped any forum thread anywhere on the Internet). It's particularly funny seeing people on HN talk about front running...

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I did an NSF REU (I screwed up the taxes, too!), wanted to chime in that all this advice seems correct. I can confirm that the NSF GRFP also is not taxable compensation, nor are several other federal graduate fellowships (no free lunch in picking among the several one may win). The "SCH" o...

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Not Dave Ramsey. :) Seriously though, it's the underlying issue behind the Trinity Study data in 1997--The fact that you can't take out 8% a year even if your portfolio has 8% average returns. Yep, and much earlier than that, too! The inequality of arithmetic and geometric means (related to Young's...

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I am doing these tilts. I do not know if long-term they will provide risk-adjusted returns higher than market-weight 3-fund portfolios. However, I am just hoping they provide higher returns, period, as I am already at a 100% stock allocation. This can be a rational thing to do, then, even if risk-ad...

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Just for the bonus and the Preferred Rewards status ;-) https://www.bankofamerica.com/preferred-rewards/es/#benefits https://www.merrilledge.com/offers/900offer My plan is to get a Cash Management account Move $200k to ME from Vanguard, just bond funds (VSIGX, VLGSX, VTABX). Note that this funds ca...

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I travel to visit family (none of whom live close to me), to share my academic research efforts with others so that the ideas spread more, and to do social dance in new places and with new people.

triceratop

So by looking at 3 yrs of data, is it a correct assumption to say that the tax efficiency of international vs us varies year to year depending on factors out of the individual investor's control, so we shouldn't worry too much about trying to optimize VTI vs VXUS holdings in a taxable account if we...

triceratop

I don't find this surprising, nor particularly good evidence for the future persistence of factors. To quote Matt Levine from today : I guess my question is: If you know that some broad market anomaly (not a quirky one like “executives who play a lot of golf have below-average stock returns,” but a ...

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Thanks for everyone's work here, especially triceratops with all your contributions and helpfulness! Sorry if I missed it but one thing you can do to fix the ref errors is to change the Fidelity funds to the funds they were rolled into. i.e. FSTVX -> FSKAX, FTIPX -> FTIHX, FUSVX -> FXAIX That fixes...

triceratop

Do we know yet what the expense ratio will be on the Admiral shares funds, e.g. VFSAX? Or will it still be worthwhile for folks to buy VSS?

triceratop

I am no promoter, nor even defender, of cryptocurrencies, but my impression from the information reported is an organizational failure of QuadrigaCX, which clearly had no succession plan for the unfortunate event of the demise or incapacity of its founder Gerald Cotten. Every enterprise faces simil...

triceratop

So the treasure hunt is on to crack the password. I suspect NSA / CIA / MI6 / Russian folks will get their hands on this. You'll be pleased and amused to learn that cracking specific wallets, and entire cryptocurrencies in general, is an active niche subfield of the cryptography community in Comput...

triceratop

So the treasure hunt is on to crack the password. I suspect NSA / CIA / MI6 / Russian folks will get their hands on this. You'll be pleased and amused to learn that cracking specific wallets, and entire cryptocurrencies in general, is an active niche subfield of the cryptography community in Comput...

triceratop

Yes, this is actually required by U.S. law. However, in the past before becoming aware of this law I have mistakenly figured my own tax and I have not yet spent a day in jail. So it is perhaps not a big deal if you have done so in the past. Still, for the future, yes you are required to do so.

triceratop

I merged the discussion by Gleevec into the original discussion here.

triceratop

Note that if you use your yubikey as your PGP key then it is not sufficient to have a backup Yubikey as you cannot export the private key, and one cannot do all operations one would wish with a yubikey-only private key. One needs an encrypted thumb drive with the private key on it for these operatio...

triceratop

You may find it useful to know the command to reload udev rules dynamically:

Code: Select all

udevadm control --reload-rules && udevadm trigger

triceratop

in a nutshell it's an AE/ME degree pretending to be something else... It's not pretending to be something else. As it says, it's an AE/ME degree with focus on computational methods to solve AE/ME problems. Focusing on this is as legitimate as focusing on any other area of engineering. Just because ...

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Read flag is that it is under Aerospace and not EE. Yup, to judge a book by its cover, it looks like a ME/AE major with a 'finite element analysis' tilt Fortunately we don't have to judge a book by its cover and can look at the degree page description , which shows it is not at all how you judged i...

triceratop

Looks fairly interesting, but a niche field. CS is broader and more future-proof IMO based on 20 seconds of reading. Probably can't go wrong with either from IT, as it is a top CS school. It is very niche (which is why I wouldn't do the program), but very future-proof. CS is a younger field which i...

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Thanks to everyone that has responded, seems like we do have lots of technical BHs. I get a sense that the majority of people feel that the traditional path for undergrad (eg ME, CS, EE, CE) would best. I guess the thing that is confusing to me is that from my understanding (I am not an engineer bu...

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I don't want to get dragged into a back and forth, I'll leave by contextualizing in this way: the undergraduate degree program is run by the school/program (Austin / ICES) which people in the field would and do say is the best in the world. Folks saying the undergraduate degree will necessarily vani...

triceratop

Computational Engineering is a real thing. It's not a fad. It is absolutely something you can do for a full undergraduate degree. It would be rather akin to double majoring in engineering and appied math / numerical analysis. triceratop, <<Computational Engineering is a real thing. It's not a fad. ...

triceratop

Computational Engineering is a real thing. It's not a fad. It is absolutely something you can do for a full undergraduate degree. It would be rather akin to double majoring in engineering and appied math / numerical analysis. There is nothing wrong with specializing that heavily as an undergrad. Spe...

triceratop

ME and EE are out as he wants more programming/CS than your average ME degree. And he is not so keen for EE as he is not so interested in all the electronics/circuits/power etc. CS is still on the table and he is accepted at Northeastern in CS and physics (combined degree) physiorol, <<ME and EE ar...

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I'm trying to stay away from considering bonds in this work because I want to avoid the "bonds in taxable" debacle into which it would quickly degenerate. Besides, bond funds are relatively more simple to evaluate for tax purposes.

triceratop

I moved this post to the Bogleheads Community forum from the Investing Theory one, as Jack Bogle was most certainly a member of the community.

Rest in Peace.

triceratop

I don't disagree with the statement. Of course, bonds which are below BBB- are high-yield "junk". Yes that has nothing to do with the ratings. Whether that has implications for the risk-adjusted reward of a given bond, viewed as an event study pre- and post-downgrade is a matter which mark...

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By all means buy a high-yield bond fund if that's your desire. Last decade's financial crisis has nothing to do with a decision today. You're justified in being skeptical of bond ratings, but that has always been the case, and everybody else knows it too. PJW I am struggling to see what your commen...

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You can get the ebook for $23-25 on eBay (electronic or paper), and if you are not picky about the latest edition, can score it for like $13, maybe less. I obtained my e-book for much less than $13. About $13 less. OP, it's a great book and I learned much from it. For free? From where? In that case...

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By all means buy a high-yield bond fund if that's your desire. Last decade's financial crisis has nothing to do with a decision today. You're justified in being skeptical of bond ratings, but that has always been the case, and everybody else knows it too. PJW I am struggling to see what your commen...

triceratop

finite_difference wrote: ↑Mon Jan 14, 2019 8:31 am You can get the ebook for $23-25 on eBay (electronic or paper), and if you are not picky about the latest edition, can score it for like $13, maybe less.

I obtained my e-book for much less than $13. About $13 less. OP, it's a great book and I learned much from it.

triceratop

. 3) triceratop's point: When a fund issues a dividend, it sells shares of the assets it holds, and you thus own-through your ownership of the fund-fewer shares of the underlying equities that comprise the fund. Unless it is a UIT like SPY which Triceratops noted. The reinvesting/divesting thing is...

triceratop

But, still, the statement that launched this whole exchange stands: (underlying) shares are being sold without your input or control. Respectfully, that is not what the statement said. Rather, the statement was: “- Dividends are only "passive income" in the sense that they are your shares...

triceratop

One prior discussion that goes in the opposite direction of many posts so far in this thread: Avoid Emerging Markets due to stricter securities regulation in Developed Markets? Lessons from SZSE..Maybe not?

triceratop

If you don't have other sources of income to live on than your investments a case could be made that you came out ahead because you didn't have to sell stock shares in December at their lowest prices to pay your bills. An argument could be made that the fund managers and companies sold stock shares...

triceratop

There was incorrect information that I corrected. Correctness matters for its own sake. Whether it matters to an individual investor as a standalone point really doesn't enter my calculus. I would not make many posts on such a detail except there was a question raised about whether what I posted wa...

triceratop

There was incorrect information that I corrected. Correctness matters for its own sake. Whether it matters to an individual investor as a standalone point really doesn't enter my calculus. I would not make many posts on such a detail except there was a question raised about whether what I posted was...

triceratop

In your own post you say it has 100M shares before and after the distribution. Are you confusing share count with market cap? I never stated that the share count of the TSM fund changes. I did not confuse anything. You stated, "You own fewer shares of each of the individual companies in TSM&qu...

triceratop

In your own post you say it has 100M shares before and after the distribution. Are you confusing share count with market cap? I never stated that the share count of the TSM fund, the number of shares of the TSM fund that exist, changes. I did not confuse anything. edit: to add subordinate clause to...

triceratop

A few points that all investors should drill into their head: - Dividends are only "passive income" in the sense that they are your shares being sold off without your input or control. And remember that income in this situation doesn't mean "gain wealth"... it's more like a simp...

triceratop

A few points that all investors should drill into their head: - Dividends are only "passive income" in the sense that they are your shares being sold off without your input or control. And remember that income in this situation doesn't mean "gain wealth"... it's more like a simp...

triceratop

Why are so many people acting like dividends are optional? I like seeming my dividend amount go up because it means I have more money. My portfolio is set the way I like it and dividends are a fact of life with that portfolio. The extent to which you receive dividends on a diversified portfolio of ...

triceratop

I noticed that when I went to 100% equities it was timed quite well. But I suppose now I am bored because I am going to be building up my bond cushion a bit now. Dumping cash into Intermediate-term treasury isn't very exciting.

triceratop

It's actually an interesting question on asset allocation for the next ten years. The days of cheap, near zero interest rates are over and we're in a rising rate environment that will lead to P/E contraction. Many leading analyst are basically giving their future 10-year guidance with over whelming...

triceratop

Ramen: Totto (midtown manhattan)

triceratop

I have about 20% of my IRA money in tax exempt. That placement is unnecessary since the money is not taxed while it is in the IRA. When it is withdrawn, it is taxed as ordinary income, not tax-exempt. I suggest putting the tax-exempt funds in your taxable account instead, where the tax-exempt statu...

triceratop

About 10% of my net assets are in Roth IRAs; the rest is in taxable. I was Roth-ineligible for the previous 4 years which made me sad. But I have about 45 years before I have to worry about RMDs.

triceratop

neatp wrote: ↑Tue Jan 08, 2019 1:01 am Thanks for sharing that. Unfortunately, the spreadsheet linked doesn't seem to be working anymore.

After modifying the dates to select price data from 2016/12/30 instead of 2016/12/31 It appears to be working for me except for the Fidelity funds.

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