Recent content by azanon

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    TSP vs. ROTH IRA

    I'd recommend adjusting your lifestyle where you don't even have to ask which one you should pick. Max them both. If you're at least GS-7, and don't live in a high cost area, you can pull it off. I know that sounds insane, but you can do it. Used Honda Civics are cheap. One-bedroom apt...
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    27 Pay periods in 2012?

    "Divide $17,000 by 27 and you get $629.62. Multiply that by 26 and you get $16,370. That's pretty close to what the limit has been up to now, and you'll be guaranteed to get full matching." And guaranteed not to get the full 17,000. That extra 500-600 is serious business to some of us...
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    27 Pay periods in 2012?

    Does anyone know if there are 26 or 27 pay periods in FY 2012 for the Federal Government? I'm seeing one guide that appears to indicate 27 periods. For those maxing the TSP, you can end up losing the match that last pay period if you have too much taken out per pay period basis on a 26 pay...
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    Smart vs. Dumb Money

    - delete
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    Smart vs. Dumb Money

    What I find insulting about the whole thing (and the strict contrarian mindset) is pretty much captured in today's forum write-up. The administrator asks us what we think... is this a bear or bull market, then once you answer, your REAL answer in his mind is the opposite since everyone is dumb...
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    Recommended allocations after retirement

    There is no substantial downside risk to either the F or G fund held over the long term. A decent argument could be made that there is no "substantial" risk even short term with investment grade bonds. If a substantial position in investment grade bonds is going to be criticized at all (by an...
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    Recommended allocations after retirement

    Few things are more risky than market timing. That's a market timing statement. A buy and hold gives a rat's ass about what the current interest rates are or their direction. If I knew interest rates were going to rise with 100% certainty, then of course I wouldn't buy (mid/long term) bonds...
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    Recommended allocations after retirement

    When you come to understand that point (percentage actually) higher is representated in real terms exponentially (when compounded over time), not linearly, then you realize "one point" is a lot. Over a long period of time (hopefully, most of your retirements will be long-term), the risk of...
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    Market buying and selling

    As politely as i can state it, this is just not correct, and I've already addressed why. You're making a converse statement with no explanation and, to me, that says everything. (edit) The "price" is a reflection of actual bidding..... negotiating, if you will, between a buyer and a seller...
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    Market buying and selling

    And you obviously are into personal attacks on messageboards. As in milkman's case, I simply delivered an eye for an eye. I'm open to learning something new at any given time. If any aspects of the guidance I've given so far are in error, i actually want to know about it. I wasn't born...
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    Market buying and selling

    The thinking goes if there are more bulls than bears, then that is supposedly a "bearish" indicator, meaning you should consider selling. If there are more bears than bulls, then that is supposedly a "bullish" indicator, meaning you should consider buying. My opinion personally? I find the...
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    Market buying and selling

    We're going to make progress, i'm determined! You cannot have a seller without a buyer. If you want to sell a share and know one's willing to buy it, then guess what? You don't sell it. In practice, that never happens because everyone has their price that they'll buy at.
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    Market buying and selling

    I have stated before that I do think there should be some accountability for encouraging market timing when the majority of experts have equated it to gambling. I suspect the staff at tsp.gov agrees with me. That's one point, this specific topic is another. So, do you mind staying on topic...
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    Market buying and selling

    My main point in all of this, is because i cringe everytime i hear about how many people are "in the market". And I have to cringe a lot, reading the main here. For all practical purposes, there are always the same number of people in the market. That doesnt really change. What changes is...
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    Market buying and selling

    My mindreading skills are admittingly poor so i'll do my best at try to deduce which of the many responses you were referring to. If Milkman sold shares of a fund, its possible the fund manager could just pay him, specifically, out of some cash they had on-hand. But, obviously, if enough...
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