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Forum: FIRE and Money 03-13-2010, 07:50 AM
Replies: 21
Views: 2,643
Posted By ats5g
can she withhold things like children from him to...

can she withhold things like children from him to make him pay? For example, if you want to see your kids, pay up.
Forum: FIRE and Money 02-19-2010, 08:01 PM
Replies: 12
Views: 1,844
Posted By ats5g
Re: Lawsuit Settlements. Like Scott...

Re: Lawsuit Settlements.

Like Scott Rothstein (http://www.bloomberg.com/apps/news?pid=20601103&sid=aJy5nDkrUVcA)?
Forum: FIRE and Money 12-15-2009, 11:28 AM
Replies: 30
Views: 9,636
Posted By ats5g
1) The TM balanced fund uses municipal bonds...

1) The TM balanced fund uses municipal bonds instead of fully taxable bonds [like VBINX, VWELX, etc.]

2) From the prospectus:



Also, the TM balanced fund has never declared a capital...
Forum: FIRE and Money 10-03-2009, 07:21 PM
Replies: 9
Views: 2,157
Posted By ats5g
Whenever people start touting actively managed...

Whenever people start touting actively managed funds, I say:

Fine, since it's such a good strategy, if the actively managed fund doesn't do better than its index fund, then the person that...
Forum: Young Dreamers 10-03-2009, 07:05 PM
Replies: 8
Views: 1,685
Posted By ats5g
And people wonder why employees aren't...

And people wonder why employees aren't "loyal.":coolsmiley: When CEO's set the example of "get what I can," companies shouldn't be surprised when employees act the same way.
Forum: FIRE and Money 08-24-2009, 09:04 PM
Replies: 6
Views: 2,930
Posted By ats5g
IMO, the main reason that many companies have...

IMO, the main reason that many companies have jettisoned the DB plan is that the companies were underpricing the cost of the DB plan. For example, a fairly risk free way to fund the DB plan was to...
Forum: FIRE and Money 08-03-2009, 03:57 PM
Replies: 12
Views: 1,464
Posted By ats5g
On this product, check out Moshe Milevsky's...

On this product, check out Moshe Milevsky's analysis;

What is a Guaranteed Rate Really Worth? (http://www.ifid.ca/pdf_newsletters/AUGUST2009RESEARCH.pdf)

btw - I think Greeney's suggestion of...
Forum: FIRE and Money 06-20-2009, 06:18 PM
Replies: 13
Views: 1,809
Posted By ats5g
Personally, I think the market is micro...

Personally, I think the market is micro efficient, not necessarily macro efficient. I'm going with Samuelson on micro efficiency vs. macro efficiency. From his 1994 paper in the Journal of Portfolio...
Forum: FIRE and Money 06-19-2009, 11:20 PM
Replies: 13
Views: 1,809
Posted By ats5g
If you've already had these thoughts, it's a good...

If you've already had these thoughts, it's a good bet that a whole lot of other people have had these thoughts and probably acted on them, which has moved the prices of stocks. Remember, it doesn't...
Forum: FIRE and Money 06-18-2009, 08:40 PM
Replies: 41
Views: 4,649
Posted By ats5g
harley, A CD ladder is a middle of the road...

harley,

A CD ladder is a middle of the road approach to rising or falling CD rates. If CD rates rise, you get to partake b/c you've always got a CD maturing every year. If CD rates fall, you...
Forum: FIRE and Money 05-30-2009, 02:00 PM
Replies: 15
Views: 2,605
Posted By ats5g
Wellcome to the club. My son has Aspergers and...

Wellcome to the club. My son has Aspergers and goes to OT, ST, and a behavioral psychologist. It has been really hard on DW and I - we're taking Lexapro [her] and Cellexa [me] and we're both seeing...
Forum: Young Dreamers 04-09-2009, 03:33 PM
Replies: 22
Views: 3,039
Posted By ats5g
Just a friendly warning/forewarning for anyone...

Just a friendly warning/forewarning for anyone applying for a fed gov't job. The time b/w when you apply and actually start working may be several months to 2 years.
Forum: FIRE and Money 04-05-2009, 03:27 PM
Replies: 17
Views: 1,558
Posted By ats5g
If you're talking about Mary Shapiro, she already...

If you're talking about Mary Shapiro, she already made her money. She got a multi-million dollar payout when she left FINRA (http://online.wsj.com/article/SB123319534362327273.html).
Forum: FIRE and Money 04-02-2009, 05:45 PM
Replies: 20
Views: 2,846
Posted By ats5g
Then fixed income instruments like 1-5 yr CDs and...

Then fixed income instruments like 1-5 yr CDs and deferred fixed annuities [usually with 5 yr rate guarantees] are not riskless for you. 20-30 year TIPS would be safer.
Forum: FIRE and Money 01-29-2009, 07:40 AM
Replies: 21
Views: 2,332
Posted By ats5g
TIAA traditional account paid about 11% at its...

TIAA traditional account paid about 11% at its highest in the early 80's. See page 3 (https://www3.tiaa-cref.org/bookstore/docs/images/viewpdf_img.gif).
Forum: Young Dreamers 01-13-2009, 12:45 PM
Replies: 20
Views: 2,391
Posted By ats5g
On downside of TM is that when others are giving...

On downside of TM is that when others are giving presentations [outside of TM], I start counting "ah's" "um's" and "so's". ;)
Forum: Young Dreamers 01-13-2009, 12:19 PM
Replies: 20
Views: 2,391
Posted By ats5g
My son and I have Asperger's Syndrome...

My son and I have Asperger's Syndrome (http://en.wikipedia.org/wiki/Asperger_syndrome). I am/was very introverted and would usually only speak to people if (1) I had to [for work, or (2) we were...
Forum: FIRE and Money 01-01-2009, 08:45 AM
Replies: 28
Views: 2,216
Posted By ats5g
cashflo2u2, William Reichenstein, at Baylor,...

cashflo2u2,

William Reichenstein, at Baylor, co-authored an article in the Spring 2008 edition of the Journal of Fixed Income titled "Returns-Based Style Analysis of High-Yield Bonds." Here's...
Forum: FIRE and Money 12-31-2008, 10:01 AM
Replies: 10
Views: 6,437
Posted By ats5g
FWIW, I did a little number crunching: ...

FWIW, I did a little number crunching:

Dividend yield of VWLEX's stocks:

4.35% [current yield] x 45.11% [qualified div ratio] / 62.21% [11/30 ratio of stocks] = 3.15%

yield of VWLEX's...
Forum: FIRE and Money 12-30-2008, 07:47 PM
Replies: 25
Views: 2,859
Posted By ats5g
No one is saying that you have to be 100% TIPS. ...

No one is saying that you have to be 100% TIPS. Just have enough TIPS to guarantee that you can still eat, heat your house, and whatever else you cannot live without. Those are the dollars I...
Forum: FIRE and Money 12-30-2008, 01:49 PM
Replies: 25
Views: 2,859
Posted By ats5g
FD, Bodie's been saying to use TIPS to...

FD,

Bodie's been saying to use TIPS to ensure a minimum standard of living in retirement since at least 2001. People were listening in 2001 + 2002, ignoring in 2003-2007, and are now paying...
Forum: FIRE and Money 12-30-2008, 11:01 AM
Replies: 25
Views: 2,859
Posted By ats5g
See also The Future of Life-Cycle Saving &...

See also The Future of Life-Cycle Saving & Investing (http://www.bos.frb.org/economic/conf/lcsi2006/index.htm) conference in 2006 at BU, which included two articles/papers by Bodie and Kotlikoff:
...
Forum: FIRE and Money 12-29-2008, 07:40 PM
Replies: 10
Views: 6,437
Posted By ats5g
Not sure if this is really going to help you...

Not sure if this is really going to help you much, but see QDI - 2008 year to date estimates (https://personal.vanguard.com/us/planningeducation/taxcenter/PEdTaxQDIYrToDateFigsContent.jsp)



For...
Forum: FIRE and Money 12-29-2008, 03:08 PM
Replies: 25
Views: 2,859
Posted By ats5g
Dex, I think this 2001 working paper may...

Dex,

I think this 2001 working paper may help explain Bodie's position better:

Retirement Investing: a new approach (http://papers.ssrn.com/sol3/papers.cfm?abstract_id=260628)



See...
Forum: FIRE and Money 12-24-2008, 09:51 PM
Replies: 28
Views: 2,257
Posted By ats5g
Well, good luck with that. I only know of one...

Well, good luck with that. I only know of one person in the entire investment community that actually has a verifiable heart - John C. Bogle [heart transplant in 1990's].

Face it, for profit...
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