Search found 225 matches

by Ever Ready
Tue Jun 16, 2015 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard announces plans for money market fund lineup
Replies: 15
Views: 3038

Vanguard announces plans for money market fund lineup

To provide individual investors with a range of money market funds that maintain a stable $1 NAV, we'll designate 7 money market funds as "retail": Vanguard Prime Money Market Fund Vanguard California Tax-Exempt Money Market Fund Vanguard New Jersey Tax-Exempt Money Market Fund Vanguard Ne...
by Ever Ready
Mon Jun 01, 2015 3:07 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9790

Re: Free Windows 10 Upgrade, Yes or No?

FYI

6 Features Disappearing in Windows 10 (and How to Replace Them)
http://www.pcmag.com/article2/0,2817,2485170,00.asp

Ever Ready
by Ever Ready
Mon Jun 01, 2015 10:10 am
Forum: Investing - Theory, News & General
Topic: Life Strategy fund for retirement?
Replies: 6
Views: 948

Re: Life Strategy fund for retirement?

If you like TIPS, why not use Lifestrategy Growth and enough of ST TIPS fund to get you to 60/40.
by Ever Ready
Mon Jun 01, 2015 9:28 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9790

Re: Free Windows 10 Upgrade, Yes or No?

I just found this. Apparently everyone on Win 7 and 8 will get it.

Windows 10 Arrives on July 29
http://www.pcmag.com/article2/0,2817,2485143,00.asp
by Ever Ready
Mon Jun 01, 2015 9:09 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9790

Free Windows 10 Upgrade, Yes or No?

I just got an offer for a free Windows 10 upgrade, full version, not a trial. Has anyone else received this offer? Is it a good idea to get the first version? I have heard it is better to wait for SP1 when they have fixed most of the bugs. I have also heard that an upgraded OS is not a stable as the...
by Ever Ready
Sun May 17, 2015 7:50 am
Forum: Investing - Theory, News & General
Topic: THANK YOU Bogleheads!
Replies: 9
Views: 1726

Re: THANK YOU Bogleheads!

deleted
by Ever Ready
Fri May 15, 2015 12:21 pm
Forum: Investing - Theory, News & General
Topic: Didn't you hear? Gold is going to $5,000!
Replies: 8
Views: 1262

Re: Didn't you hear? Gold is going to $5,000!

From the comment section:

In the year 2115, when gold finally reaches $5,000, the ghost of Peter Schiff will materialize and say, see, I'm right.
by Ever Ready
Sat May 09, 2015 9:43 am
Forum: Investing - Theory, News & General
Topic: 6 ways Vanguard has changed the way people invest
Replies: 2
Views: 1116

6 ways Vanguard has changed the way people invest

6 ways Vanguard has changed the way people invest Chuck Jaffe on Marketwatch writes about Vanguards legacy, 40 years since May 1, 1975. Costs matter Patience matters, too Starting small leads to finishing big You must invest regularly Avoid complacency It’s best to ignore trends, fads and anything w...
by Ever Ready
Thu May 07, 2015 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund now available
Replies: 49
Views: 7756

Re: Vanguard Ultra-Short-Term Bond Fund now available

Hogan, There are plenty of financial institutions that offer CD IRAs. Here are a few sites that you can use to research them: https://www.depositaccounts.com/ira/ http://www.fatwallet.com/forums/finance/682884/?start=2200 http://www.bankrate.com/cd.aspx?ic_id=home_investing_bank-rates_globalnav Also...
by Ever Ready
Wed Apr 29, 2015 12:27 pm
Forum: Investing - Theory, News & General
Topic: Quality/Value/Momentum Index
Replies: 36
Views: 2419

Re: Quality/Value/Momentum Index

deleted
by Ever Ready
Mon Apr 27, 2015 4:25 pm
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 4253

Re: MSCI Diversified Multi-Factor Index

canslough,
Thank you for the correction. I hope this is the case.
by Ever Ready
Mon Apr 27, 2015 12:24 pm
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 130
Views: 12662

Re: PXSV has changed indexes

Robert T wrote: (i) If you are unsure about factor exposure, then focus on expense i.e. VBR is cheapest (ii) If you want highest size and value loads without regard to alpha (making the assumption that alpha varies randomly around a long-term value of zero – sometimes positive, and sometimes negati...
by Ever Ready
Mon Apr 27, 2015 10:50 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 4253

Re: MSCI Diversified Multi-Factor Index

Ketawa,

Sorry, I was talking about the new Ishares multi-factor ETFs, not AQR.
by Ever Ready
Mon Apr 27, 2015 10:34 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 4253

Re: MSCI Diversified Multi-Factor Index

pauliec84, Thanks for the quick reply. 1) If you have access to AQR funds this is best multi-factor approach. No access. But they cancelled US small and EM funds. 2) I don't like the Quality Mix funds as they give you very minimal exposure to factors (see below). Agree, but not many good alternative...
by Ever Ready
Mon Apr 27, 2015 9:18 am
Forum: Investing - Theory, News & General
Topic: MSCI Diversified Multi-Factor Index
Replies: 36
Views: 4253

Re: MSCI Diversified Multi-Factor Index

Sadly there will be no domestic small or emerging market multi-factor ETFs.


What are the best candidates for these slots? I use QEMM for EM, thinking about IESM for US Small.
by Ever Ready
Mon Apr 27, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: How Smart are 'Smart Beta' ETFs? Analysis of Relative Perfor
Replies: 3
Views: 350

Re: How Smart are 'Smart Beta' ETFs? Analysis of Relative Pe

long-term investors can obtain similar or better performance than Smart Beta funds from a simple mix of a risk-free asset and a portfolio which combines passive cap-weighted exposure to market, size and value premiums, while paying a fraction of the cost. This is not the three fund portfolio, this ...
by Ever Ready
Thu Apr 16, 2015 6:59 pm
Forum: Investing - Theory, News & General
Topic: Roth IRA
Replies: 4
Views: 419

Re: Roth IRA

You may find this helpful.

http://www.bogleheads.org/wiki/Backdoor_Roth_IRA

Also check out the tutorial by tfb referenced above it and the external links at the end.
by Ever Ready
Tue Apr 07, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Sell in May and go away
Replies: 15
Views: 3644

Re: Sell in May and go away

Buy in May and then just stay (the course)!
by Ever Ready
Wed Mar 11, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 3511

Re: Vanguard Managed Payout to add new fund

"Vanguard Plan To Launch Alt Fund Raises Eyebrows" http://www.valuewalk.com/2015/03/vanguard-alt-fund/ "Vanguard Group, a low-cost mutual fund industry behemoth, intends to launch a new multi-alternative mutual fund called the Vanguard Alternative Strategies Fund, kicking off a passio...
by Ever Ready
Wed Mar 11, 2015 12:48 pm
Forum: Investing - Theory, News & General
Topic: volatility ETF to hedge the falling stock risk
Replies: 14
Views: 1293

Re: volatility ETF to hedge the falling stock risk

Interesting discussion here:

"The VIX as a hedge of market risk"
https://www.bogleheads.org/forum/viewtopic.php?f=10&t=111499

including Larry Swedroe and William Bernstein
by Ever Ready
Sun Mar 01, 2015 2:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Managed Payout to add new fund
Replies: 30
Views: 3511

Re: Vanguard Managed Payout to add new fund

I think I just heard Mr. Bogle retching.
by Ever Ready
Wed Feb 11, 2015 11:48 am
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 14222

Re: Where is John C. Bogle's Presidential Medal of Freedom?

Is there any way that Vanguard might agree to put a link to the petition on their web site?
by Ever Ready
Wed Jan 07, 2015 2:39 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax - Virginia
Replies: 13
Views: 951

Re: Estimated tax - Virginia

deleted
by Ever Ready
Wed Jan 07, 2015 2:35 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax - Virginia
Replies: 13
Views: 951

Re: Estimated tax - Virginia

The Virginia booklet for Estimated Taxes includes four coupons. Can I just send Coupon #4 with my check? Do I need to do anything else? Yes just send Voucher 4 with your check. Read the "Payment Schedule" table at the end of Part 1. Also be sure to check the box on the voucher and send to...
by Ever Ready
Fri Nov 14, 2014 10:30 am
Forum: Investing - Theory, News & General
Topic: Showing the positive gains of long term investing
Replies: 1
Views: 420

Fishing Lesson

In order to show an image in a post on this site, you must host the image on the internet, then put a link to the url addresss of the image in your post using the "Img" button. Here is a list of websites you could use to host the image, most are free: https://en.wikipedia.org/wiki/List_of_...
by Ever Ready
Fri Nov 14, 2014 8:33 am
Forum: Investing - Theory, News & General
Topic: a look at gold and its hedging value
Replies: 48
Views: 4212

Re: a look at gold and its hedging value

Consistent with prior research findings, investors turn to gold as a store of value in times of turbulence. Thus, it consistently acts as a short-run—30 days during recessions and 80 days during expansions—hedge for all assets studied. So instead of the usual static allocation, maybe buy some gold ...
by Ever Ready
Wed Aug 27, 2014 2:50 pm
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 3117

Re: Market Corrections — Befriending the Beast

Thanks to Leif and Simplegift for the replies. The Towneley chart posted by Leif is what I was looking for: How long it takes to return to the previous peak after a correction. Towneley's terminology is "Drawdown Duration In Months". Unfortunately, they don't have the data for the current ...
by Ever Ready
Wed Aug 27, 2014 9:35 am
Forum: Investing - Theory, News & General
Topic: Market Corrections — Befriending the Beast
Replies: 18
Views: 3117

Re: Market Corrections — Befriending the Beast

Bottom line: Market corrections are normal, are usually soon reversed, and rarely mean the start of a long bear market.


Has anyone seen a chart showing how long it takes to get back to even after a correction?

Thanks.
Ed
by Ever Ready
Sat Jun 21, 2014 8:58 pm
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 2295

Re: Barron's top 50 annuities

Using IE11 and doing my own Google search, I can now access the full article.
The links in the thread still don't work for me, in either IE11 or Firefox30.

Thanks for the help.
by Ever Ready
Sat Jun 21, 2014 4:47 pm
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 2295

Re: Barron's top 50 annuities

As letsgobobby said, the current article is available through the Google backdoor.


That's how I found the older versions.
But using the Google link for the recent article
still takes me to the truncated article with the
Get the Full Story: "Subscribe or Log In" message.
by Ever Ready
Sat Jun 21, 2014 3:38 pm
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 2295

Re: Barron's top 50 annuities

The link requires a subscription. However, a search will find the 2012 and 2013 versions are available for free.
by Ever Ready
Wed Jun 18, 2014 11:37 am
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6412

Re: To stay a Boglehead, I have to leave Bogleheads.org

This is not an uncommon situation. Index investing can be pretty boring, too. One approach, recommended by Jack Bogle in "The Little Book of Common Sense Investing" is to use up to 5% of your assets as a "Funny Money" account, to try out other types of investments. Invest in exot...
by Ever Ready
Sun May 18, 2014 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Whole Life Policy -- Cash out or hold onto it?
Replies: 14
Views: 1973

Re: Whole Life Policy -- Cash out or hold onto it?

Would a 1035 exchange (non-taxable) into another insurance product be a good option?
by Ever Ready
Mon Apr 28, 2014 11:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Small Cap Value Fund Expense Ratio Goes Up
Replies: 41
Views: 7606

Re: Vanguard's Small Cap Value Fund Expense Ratio Goes Up

My account showed a note that VTSAX (TSM Admiral) went from .06% to .05%. I thought it was already .05%. It also showed thew change in VSIAX from .10% to .12% Their most recent article on 4/28/14 shows otherwise: https://personal.vanguard.com/us/insights/article/expense-ratio-changes-042014
by Ever Ready
Mon Mar 17, 2014 3:38 pm
Forum: Investing - Theory, News & General
Topic: Dr. B on Smart Beta: the new Bozo factor
Replies: 6
Views: 952

Re: Dr. B on Smart Beta: the new Bozo factor

Just as an intelligent investor will pay attention to valuations when choosing how to invest in the market, she will pay attention to valuations when choosing how (and whether) to invest in factors like small and value. Which valuation metrics are best to watch? P/E, P/B relative to total market? O...
by Ever Ready
Thu Mar 13, 2014 11:50 am
Forum: Investing - Theory, News & General
Topic: 10 year forecast for SP500
Replies: 23
Views: 2519

Re: 10 year forecast for SP500

These formulas are only estimates of the "Fundamental" component of market returns. It must be combined with the "Speculative" component, sometimes referred to as PE expansion/contraction, for a complete forecast or prediction. Using only one component introduces even more inaccu...
by Ever Ready
Thu Feb 06, 2014 3:16 pm
Forum: Investing - Theory, News & General
Topic: "If your parents died early, will you die early too?"
Replies: 32
Views: 3757

Re: "If your parents died early, will you die early too?"

I'm sure insurance companies would have studied the heck out of this,
but I don't recall ever being asked about parents longevity on a life insurance application.
by Ever Ready
Thu Jan 30, 2014 10:45 pm
Forum: Investing - Theory, News & General
Topic: Investment books I have read.
Replies: 32
Views: 5281

Re: Investment books I have read.

Taylor,

You've journeyed through acres of investment "gems" to find the 3 fund portfolio "Majesty of Simplicity" in your own backyard.

Thanks for sharing your wisdom. I hope it saves others much time and trouble.

Thanks,

Ed (Ever Ready)
by Ever Ready
Thu Dec 12, 2013 9:51 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Announces New Low Volatility Fund]
Replies: 91
Views: 15251

Vanguard launches global minimum volatility fund

https://personal.vanguard.com/us/insights/article/fund-announcement-12122013 Vanguard launches global minimum volatility fund Vanguard Global Minimum Volatility Fund is now available in two share classes—low-cost Investor Shares and even lower-cost Admiral™ Shares. The new actively managed equity f...
by Ever Ready
Sat Nov 30, 2013 12:07 pm
Forum: Investing - Theory, News & General
Topic: Finding annualized returns for Morningstar categories?
Replies: 13
Views: 777

Re: Finding annualized returns for Morningstar categories?

Compost,

You're welcome. Sorry it didn't work out.
by Ever Ready
Fri Nov 29, 2013 6:49 pm
Forum: Investing - Theory, News & General
Topic: 5 Ways to Cheat the 4 Percent Withdrawal Rule
Replies: 8
Views: 1792

5 Ways to Cheat the 4 Percent Withdrawal Rule

http://money.usnews.com/money/blogs/On-Retirement/2013/11/29/5-ways-to-cheat-the-4-percent-withdrawal-rule U.S. News & World Report On Retirement Blog By Robert Berger 5 Ways to Cheat the 4 Percent Withdrawal Rule This past week I had the pleasure of interviewing Rick Ferri on my weekly podcast...
by Ever Ready
Sat Nov 23, 2013 8:45 am
Forum: Investing - Theory, News & General
Topic: Finding annualized returns for Morningstar categories?
Replies: 13
Views: 777

Re: Finding annualized returns for Morningstar categories?

Compost, Morningstar doesn't say how they calculate those values. However, you can check for yourself. Go to the "Growth of $10,000" chart and select "Customize Interactive Chart" This will allow you to select start and end points for the graph. Scrolling the cursor gives you the...

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