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Re: ETF=passive, while mutual funds (including index) = acti

I have been here long enough to know what we call active and passive :happy. My real question is: why did this other person say what they said? Was it something particular to the individual, or was Fidelity, as some kind of corporate practice, teaching their brokers that ETF=passive and mutual funds...
by Jacotus
Sun Nov 16, 2014 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: ETF=passive, while mutual funds (including index) = active ?
Replies: 7
Views: 794

ETF=passive, while mutual funds (including index) = active ?

Here's a conundrum. I had a conversation with a person who until recently worked at Fidelity. In what capacity, I don't know, but the person mentioned taking a Series 7, which I gather is some sort of exam for brokers but I don't know much else about it. Somehow active vs. passive investing came up,...
by Jacotus
Sun Nov 16, 2014 11:19 am
 
Forum: Investing - Theory, News & General
Topic: ETF=passive, while mutual funds (including index) = active ?
Replies: 7
Views: 794

Re: Bogleheads.org Home Page Updated

One thing I would really like to see is a "Go to first unread post" on the homepage OR, an entry telling me which sub forum the thread is in so I can go to that sub forum and click on the little "first unread" symbol to the left of the thread. Perhaps as simple as reusing that s...
by Jacotus
Tue Mar 04, 2014 11:46 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Home Page Updated
Replies: 230
Views: 69199

Re: Poll: Which of these abbreviations do you understand?

Came here to joke about VCR... I see I was beaten to it, many times (oh, how unoriginal I am). For the record, I assumed nisiprius was not going for the old technology and didn't click on it, nor KO (knock-out), as I don't know any finance-related abbreviations for these.
by Jacotus
Fri Feb 21, 2014 11:12 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Which of these abbreviations do you understand?
Replies: 66
Views: 2407

Re: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)

richard wrote:The G Fund is the Government Securities Investment Fund.

https://www.tsp.gov/investmentfunds/fun ... ce_G.shtml

I am aware. I was expressing my great surprise that it is being made available to everyone.
by Jacotus
Wed Jan 29, 2014 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4778

Re: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)

Here's a description: http://www.whitehouse.gov/the-press-office/2014/01/28/fact-sheet-opportunity-all-securing-dignified-retirement-all-americans From this link: Favorable Investment Return: Same Secure Investment Return Available to Federal Employees. Savers will earn interest at the same variabl...
by Jacotus
Wed Jan 29, 2014 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4778

Re: Thinning the Herd - what do you do with unwanted DVDs?

How do you end up with unwanted DVDs? There is no limit to the number of times I will watch the Sound of Music, American Graffiti, or West Side Story (if spread out over a suitable number of years). I would guess it's about the space they take up. It's just like with books. With most of these, we r...
by Jacotus
Fri Jan 17, 2014 11:55 am
 
Forum: Personal Consumer Issues
Topic: Thinning the Herd - what do you do with unwanted DVDs?
Replies: 69
Views: 4509

Re: Biggest regrets in your life in financial investment?

I am afraid I have nothing to share at the moment. Reading these posts makes me so thankful that I found the Bogleheads before I ever dipped my toe into the market.
by Jacotus
Fri Jan 17, 2014 12:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Biggest regrets in your life in financial investment?
Replies: 101
Views: 8362

Re: Rule of 752

I'd rather have internet access than an extra $15k in 10 years. Without internet access how will I spend time on the Bogleheads website?
by Jacotus
Fri Jan 17, 2014 12:21 am
 
Forum: Personal Consumer Issues
Topic: Rule of 752 [savings tip]
Replies: 8
Views: 1840

Re: Bogleheads.org Homepage

LadyGeek wrote:That would be this board link, which you can bookmark: View unread posts

Excellent, thank you!! I can't believe I have been at this forum for years without using that...
by Jacotus
Thu Jan 09, 2014 10:44 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 4560

Re: Bogleheads.org Homepage

I like the current style of listing all recent threads from all boards. I wouldn't mind if it moved to a different page so the home page could be more newbie-friendly. This is somewhat off-topic, but I was wondering if it would be possible to splice the "view first unread post" feature fro...
by Jacotus
Thu Jan 09, 2014 11:07 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org Homepage
Replies: 76
Views: 4560

Re: London and Paris Hotels

If you'll be in a city for a week or longer, it can be a lot more convenient to rent an apartment (or as the Brits say, a flat). As mentioned above, VRBO etc. are possibilities, but there are other options as well. There are rental-management agencies that perform the same function as VRBO (rent out...
by Jacotus
Wed Oct 02, 2013 12:56 pm
 
Forum: Personal Consumer Issues
Topic: London and Paris Hotels
Replies: 48
Views: 4029

Re: ACA: Pay penalty?

rkhusky wrote:The OP is in error. There is no penalty for not purchasing insurance, instead you pay an alternate tax.

A rose by any other name...
by Jacotus
Sat Sep 21, 2013 8:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA: Pay penalty?
Replies: 34
Views: 2767

Re: Interesting Free Math Books

555 wrote:According to one of the mods
viewtopic.php?f=3&t=6&p=1234798&hilit=codecogs#p1234798
we're not allowed to use that. :confused

Oh, that's unfortunate. Thanks for pointing that out. I removed the image from my post.
by Jacotus
Mon Dec 31, 2012 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Interesting Free Math Books
Replies: 40
Views: 2899

Re: Interesting Free Math Books

555 wrote:
Bungo wrote:"I will look forward to pretty 3d pictures from nisiprius!"


I will look forward to pretty 4d pictures to show

[\sum_{k=1}^{n} k]^2=\sum_{k=1}^{n} k^3

or longhand

[1+2+3+...+n]^2=[1^3+2^3+3^3+...+n^3]

Test
[removed image]
by Jacotus
Mon Dec 31, 2012 12:47 am
 
Forum: Personal Consumer Issues
Topic: Interesting Free Math Books
Replies: 40
Views: 2899

Re: Interesting Free Math Books

Here's another one to play with: Show Sum(n=1,N) n^3=(N(N+1)/2)^2 I haven't tried this one yet, so can't offer a solution. If one is willing to accept that Sum(n=1,N) n^m is a polynomial in N of degree m+1, which should be at least plausible based on your m=1 case, then there is a straightforward a...
by Jacotus
Sun Dec 30, 2012 8:53 am
 
Forum: Personal Consumer Issues
Topic: Interesting Free Math Books
Replies: 40
Views: 2899

Re: Interesting Free Math Books

The two examples in the OP are equivalent.
by Jacotus
Sat Dec 29, 2012 5:58 pm
 
Forum: Personal Consumer Issues
Topic: Interesting Free Math Books
Replies: 40
Views: 2899

Re: Advice with Small Windfall

This is easy. Wipe out the loans.
by Jacotus
Sun Dec 23, 2012 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice with Small Windfall
Replies: 30
Views: 1980

Re: Vanguard Investor vs. Admiral. exp ratio bottom line

This chart is not plausible and is not showing the difference between admiral and investor shares returns. See how all the difference happens in the first few months and then the lines are essentially parallel. I can't say if this is an artifact of the plotting software, a data error, or if Vanguar...
by Jacotus
Thu Dec 06, 2012 9:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Investor vs. Admiral. exp ratio bottom line
Replies: 20
Views: 1448

Re: Vanguard is on the Password Hall of Shame.

No. They would open a fraudulent bank account, change the transfer instructions, and transfer the money to that. I am in complete agreement with you that stronger passwords should be usable at Vanguard. However, there are extra layers to deal with the above issue. Someone correct me if I'm wrong, b...
by Jacotus
Sun Dec 02, 2012 11:32 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 41326

Re: Vanguard is on the Password Hall of Shame.

Because accounts get locked after X number of incorrect login attempts, I don't know that a 45 character password is more secure than a 10 character one. Offline password cracks dont get locked out, they could brute force you password to hearts content. That's the worry here. That some VG employee ...
by Jacotus
Sun Dec 02, 2012 9:43 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 41326

Re: Time invested in Investing

Agreed with others. Now that I have learned why the Bogleheads approach to investing is the superior one, I don't need to keep reading about investing. But I read this forum anyway, for fun, and I still do learn some things now and then. Also, if I stopped reading I would miss out on gems like this ...
by Jacotus
Sat Dec 01, 2012 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: Time invested in Investing
Replies: 27
Views: 1715

Re: Grok's Tip #13: But Vanguard will tell you that...

Excellent post! I could not agree more with your point. Nobody has time to be experts in every single thing out there, so it is nice to have an authority out there one can turn to. In the end, we all have to trust someone , if we aren't going to build up an entire scholarly field from scratch. Picki...
by Jacotus
Tue Nov 20, 2012 10:20 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #13: But Vanguard will tell you that...
Replies: 71
Views: 8948

Re: 'Phi Kappa Phi' membership. Worth it?

Don't do it. It's just a way to get your money.
by Jacotus
Fri Oct 26, 2012 9:03 am
 
Forum: Personal Consumer Issues
Topic: 'Phi Kappa Phi' membership. Worth it?
Replies: 27
Views: 8010

Re: POLL: Which is more diversified?

Rodc wrote:I suspect the answer will hing on how each person defines "diversified". Without a common definition what looks like an argument about which is more diversified will really be an argument about the definition.

In my experience, many, many arguments can be boiled down to this.
by Jacotus
Sun Oct 14, 2012 10:43 pm
 
Forum: Investing - Theory, News & General
Topic: POLL: Which is more diversified?
Replies: 31
Views: 2269

Re: VG International VS TSM & Cash Reserves

I thought I remember someone here (maybe Rick Ferri?) saying if you're going to buy international equities in a TAXABLE Account, then FTSE All world ex-US was better than Total International due to Total International being a "fund of funds" and subject to different (higher) taxes (accord...
by Jacotus
Sat Sep 29, 2012 10:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG International VS TSM & Cash Reserves
Replies: 7
Views: 371

Re: bank error in your favor - not!

jebmke wrote:I cut my teeth on mainframes. When an IBM mainframe job failed to run, the typical message had a lot of technical jargon but, at the bottom, every message had the line "probable user error."

Hah, I love it.
by Jacotus
Sat Sep 22, 2012 11:27 am
 
Forum: Personal Consumer Issues
Topic: bank error in your favor - not!
Replies: 26
Views: 2856

Re: Vanguard 2020

Half a percent is nothing to sneeze at, so you have certainly done well! Of course, how much better off would you be if you haven't held off for the past 2 months? On the other hand, next week the market could plunge 10% and you could be vindicated. Or it could gain 5%. Nobody knows what will happen...
by Jacotus
Fri Sep 21, 2012 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2020
Replies: 11
Views: 1050

Re: Vanguard 2020

I am not sure exactly which metric you are referring to by ROI YTD. I'm not an expert at working with these figures, either. It's all fuzzy to me :D. There are surely others here who would know better. If you enjoy carrying out your strategy or it gives you some comfort, then by all means continue. ...
by Jacotus
Fri Sep 21, 2012 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2020
Replies: 11
Views: 1050

Re: Vanguard 2020

If you have the patience and the knowhow, I would suggest comparing your performance using your actual strategy of buying the "monthly dips" with an alternative strategy of simply buying on, say, the first of the month. If your actual strategy turns out to be better (which it very well may...
by Jacotus
Fri Sep 21, 2012 11:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard 2020
Replies: 11
Views: 1050

Re: I think Vanguard should up their Flagship game

Lower fees are my idea of a good perk. On a portfolio of $1M, a difference in expense ratios of .05% compared to competitors is an extra $500 per year. I'd much rather have that than some Vanguard t-shirts or other stuff which I don't really want. I don't know if the analogy with frequent flyer prog...
by Jacotus
Mon Sep 10, 2012 12:28 am
 
Forum: Personal Consumer Issues
Topic: I think Vanguard should up their Flagship game
Replies: 114
Views: 8118

Re: Can we get away with less emergency fund than average?

I mean do Bogleheads really all have EFs large enough to handle black-swan type events, on top of regular loss-of-income? I can't speak for everyone with authority, but I doubt it. Bogleheads simply like to play devil's advocate... Since you are tenured, you are very likely at least 30 years old. T...
by Jacotus
Sun Sep 09, 2012 6:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can we get away with less emergency fund than average?
Replies: 40
Views: 3226

Re: Where do you place the Inflation Securities Bond Fund

I also understand that if an investor is retired and living off the interest income, that the inflation adjustment component must remain invested in the fund to have the inflation protected benefit. If the investor takes the entire dividend for expenses, it defeats the purpose. The retiree at that ...
by Jacotus
Thu Sep 06, 2012 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Where do you place the Inflation Securities Bond Fund
Replies: 18
Views: 2094

Re: A probability paradox, or clumsy thinking on my part?

Suppose Asset A costs $100, then when you flip a fair coin, it will become worth $80 or $120. Suppose Asset B costs $100, then when you flip a fair coin, it will become worth $80 or $125. Which one is the zero-return asset? With respect to the first flip, I say the answer is Asset A: $80 X 0.5 + $1...
by Jacotus
Tue Sep 04, 2012 11:41 am
 
Forum: Investing - Theory, News & General
Topic: A probability paradox, or clumsy thinking on my part?
Replies: 21
Views: 1981

Re: Dorm room microwave

Might I suggest that he first check if the dorm has a common kitchen area that has a microwave? If so, it's perfectly reasonable to use that on the occasions he needs the microwave. Additionally he will have more space in his dorm room without the microwave, which I'm sure he will appreciate!
by Jacotus
Sun Aug 12, 2012 7:07 pm
 
Forum: Personal Consumer Issues
Topic: Dorm room microwave
Replies: 16
Views: 1466

Re: Knight Capital and Individual Investors

DualIncomeNoDebt wrote:My being familiar with it, or labeling it institutionalized theft?

Probably your labeling HFT as unlawful. But my thanks for pointing out the CNBC article.
by Jacotus
Thu Aug 02, 2012 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Knight Capital and Individual Investors
Replies: 6
Views: 2195

Re: How can I sync computer folders?

Windows Live Mesh can do what you want, and works extremely well (at least on Windows). There is a version for Mac OSX. You can set it up so that it does not sync to the cloud.

You might have a look at http://en.wikipedia.org/wiki/Comparison ... n_software
by Jacotus
Fri Jul 06, 2012 1:07 pm
 
Forum: Personal Consumer Issues
Topic: How can I sync computer folders?
Replies: 16
Views: 1373

Re: Am I on the right track?-unique situation going back for

Any money related to tuition is not taxable. If it counted, you'd be paying taxes on a phantom income of $30,000 per year, ouch. Well, to be more precise, it's taxable but you can reduce your income by the amount of a scholarship to the extent it's spent on tuition. You might think that's the same ...
by Jacotus
Tue May 01, 2012 10:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?-unique situation going back for PhD
Replies: 14
Views: 1375

Re: Am I on the right track?-unique situation going back for

Any money related to tuition is not taxable. If it counted, you'd be paying taxes on a phantom income of $30,000 per year, ouch. Also I'm not sure about stipends related to the GI Bill but as far as regular school stipends combine with fellowships, the answer is they don't stack completely. If you g...
by Jacotus
Mon Apr 30, 2012 6:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I on the right track?-unique situation going back for PhD
Replies: 14
Views: 1375

Re: Computer Security Redux

I use the No Script extension in Firefox, to block all javascript except on a whitelist basis. Also, I use Adobe Reader but disable Javascript there too, which is where most (all?) of the exploits come from.
by Jacotus
Sat Apr 28, 2012 6:52 pm
 
Forum: Personal Consumer Issues
Topic: Computer Security Redux
Replies: 41
Views: 1508

Re: Penn State Honors College Vs. Cornell

Since the voting on this thread seems to be about 10:1 in favor of PSU, I feel compelled to put in a good word for Cornell. I got a PhD there from the Engineering school (although I don't really consider myself an engineer) and was very impressed by the undergraduates for whom I was a TA. Uh oh. We...
by Jacotus
Wed Apr 18, 2012 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penn State Honors College Vs. Cornell ... Thank you! Post #1
Replies: 113
Views: 7912

Re: International Funds v. S&P 500

An expense ratio of 1.2% is ridiculous. Go with the S&P 500. If you really need international funds, get it somewhere else such as an IRA, and get Vanguard Total International Stock Index.
by Jacotus
Tue Apr 17, 2012 11:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: International Funds v. S&P 500
Replies: 18
Views: 1584

Re: U.S. stocks in freefall

Furthermore, the Dow closed at 12,715.93. Add the digits and you get 28. The divisors of 28 are 1, 2, 4, 7, and 14. Add those divisors and you get... 28! How often does that happen? Pretty rarely, as all the Perfect Numbers that we know of are obtained from Mersenne Primes, and we know of only abou...
by Jacotus
Tue Apr 10, 2012 7:14 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1064
Views: 188739

Re: Which College? 3 years or 4 years?

I'm in a natural sciences PhD program. I could have gotten out in 3.5 years, but I stayed for 4. My opinion is to not push him to do 3 years; let him make up his own mind. There is nothing wrong with taking 4 years.
by Jacotus
Wed Apr 04, 2012 11:56 pm
 
Forum: Personal Consumer Issues
Topic: Which College? 3 years or 4 years?
Replies: 83
Views: 4233

Re: Over $95 million in Roth IRA. Bodes ill for the little

Did you read the article? Yes they paid tax on the 5K to fund the Roth IRA. They then proceeded to buy shares of pre IPO companies for pennies per share -- companies that their VC funds are funding and controlling. Seems like a big giant loophole in the valuation. My VC company can put 250B into a ...
by Jacotus
Thu Mar 29, 2012 10:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Over $95 million in Roth IRA. Bodes ill for the little guy?
Replies: 20
Views: 3512

Re: Separate finances, buying house together

I can't see how it makes sense to put down 50% of the house purchase and then she feels like she's paying the mortgage on her own. Mathwise it will make sense, emotionally it will not feel fair. That didn't occur to me. What I don't want is for money to be a source of resentment. In fact, my whole ...
by Jacotus
Tue Mar 20, 2012 6:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Separate finances, buying house together
Replies: 30
Views: 1241

Re: TaxACT or TurboTAX

I also use TaxACT, based on price. My taxes are really simple though, with nothing too crazy. The interface can be a little annoying at times, but it gets the job done. I also like that someone from TaxACT also posts on this board to answer questions :happy .
by Jacotus
Mon Mar 19, 2012 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: TaxACT or TurboTAX
Replies: 29
Views: 2667

Re: Newborn Niece -- Best way to give $1000 towards educatio

Why not keep the money until the educational expenses actually arise, and then give it to her?
by Jacotus
Sun Mar 18, 2012 11:47 am
 
Forum: Personal Consumer Issues
Topic: Newborn Niece -- Best way to give $1000 towards education?
Replies: 3
Views: 386

Re: Managing Massive Law School Debt

Pay off that debt!
by Jacotus
Fri Mar 09, 2012 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Managing Massive Law School Debt
Replies: 144
Views: 7127
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