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ETF to Use as Cash Surrogate for Testing?

Hi, I'm trying to backtest a portfolio using a program that only utilizes ETFs for testing, and have a sizable cash position I need to account for. Can anyone recommend an ETF that acts like/simulates cash? Is there an ETF of money market funds that anyone knows of? (I hear there are ETFs for everyt...
by Mian
Wed Jan 29, 2014 10:03 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF to Use as Cash Surrogate for Testing?
Replies: 3
Views: 143

Re: Train tickets in Italy-Wow!!

I suggest you try http://www.raileurope.com, which I believe is the agency that handles rail tickets for TrenItaly in the USA. Their website is easy to use, and in addition, they have an 800 number here in the US you can call. I think they're like a "Travelocity" of train travel for Europe...
by Mian
Wed Jan 29, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Train tickets in Italy [trouble booking with Trenitalia]
Replies: 22
Views: 2297

Re: 'Play' Money

Do any Bogleheads have funny money or play money that they use to buy and selling investments that aren't part of their core plan. Curious about how much you have to play around with and how do you go about buying and selling things? Thanks. Hi Optimist, Yes, I have a small proportion of my portfol...
by Mian
Mon Jan 06, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: 'Play' Money
Replies: 95
Views: 7045

Re: Alaska Cruise

I'd listen to Smallsaver, above, who lives in Juneau. The large ships are much too large IMO and your parents will spend way too much time in line waiting for everything from breakfast to shore excursions, disembarkation, etc.; besides, there's less emphasis on the striking natural tableau due to th...
by Mian
Tue Oct 29, 2013 3:19 pm
 
Forum: Personal Consumer Issues
Topic: Alaska Cruise
Replies: 19
Views: 1370

Re: Quicken and Vanguard - Download Problem

We really do NOT have enough information to conclude this is 100% Vanguard's fault. I agree it is disappointing. [/quote] Yes it does seem to be working, happily. Not to be strident, James, but here's the earlier email Vanguard sent me: Dear Mr. XXXX, Thank you for your e-mail. We apologize for any...
by Mian
Wed Oct 02, 2013 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 18262

Re: Quicken and Vanguard - Download Problem

I contacted Vanguard last Friday and received a message Monday; they acknowledged that they are having a problem with their OFX server. This has affected automated update downloads for two programs I use, Fundmanager and WSJ Portfolio. Vanguard said they'd email me when it was fixed. I just attempte...
by Mian
Tue Oct 01, 2013 5:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 18262

Re: Am I Crazy to Hang on to LT Muni Bond Funds?

Thanks, everybody, for your thoughts and comments. I fortunately have a long time horizon and no better place to put the cash for now, and no real need to TLH at the moment so I guess I'll sit tight and (hopefully) not do anything foolish. I especially like Phineas J Whoopee's quote of John Bogle's ...
by Mian
Thu Sep 05, 2013 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Hang on to LT Muni Bond Funds?
Replies: 37
Views: 3268

Am I Crazy to Hang on to LT Muni Bond Funds?

I've been in Vanguard's LT Muni Bond Fund (VWLUX) for about a year now and have seen the principal get hammered in the current flight away from these funds. I like the monthly tax-free income that comes from it but am uncomfortable watching the principal go down day after day. Am I crazy to stick it...
by Mian
Wed Sep 04, 2013 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Hang on to LT Muni Bond Funds?
Replies: 37
Views: 3268

Re: Portfolio Advice Please - 54 Yrs Old and Retired

Thanks, everybody, for your comments. A couple comments and clarifications: -- I would estimate my withdrawal rate is about 1 - 1.5%/yr -- I agree that there are probably too many funds and I'm working to reduce some of them -- There is too much cash in the portfolio, but I haven't found a way to co...
by Mian
Sat Aug 24, 2013 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Please - 54 Yrs Old and Retired
Replies: 8
Views: 922

Portfolio Advice Please - 54 Yrs Old and Retired

Five years ago, at the age of 49, I sold my company for an amount that would allow my wife and me (no kids) to enjoy a comfortable retirement if we invested carefully. Initially, I was petrified to invest the sale proceeds – this was October 2008 after all -- and the entire world economy seemed to b...
by Mian
Fri Aug 23, 2013 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice Please - 54 Yrs Old and Retired
Replies: 8
Views: 922

Re: Airport to Manhattan, what would you do?

I'm getting to that time in my life where saving a few bucks has to be weighed against ease and convenience -- the last time I had to carry luggage up from a subway platform (due to a broken elevator) swore me off my being cheap forever.

Now I simply shoot for practical.
by Mian
Sun Jun 23, 2013 9:49 pm
 
Forum: Personal Consumer Issues
Topic: Airport to Manhattan, what would you do?
Replies: 31
Views: 1534

Should I Tax Harvest a LT Muni Bond Fund?

Boy, Muni funds had a bad week! I'd like to do some tax harvesting of my Vanguard LT Tax Exempt fund and was wondering the best way to do this, or whether its a good idea or not. I like the fund, though, and would like to get back into it after I step away for a while. Is there a consensus that says...
by Mian
Sun Jun 23, 2013 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I Tax Harvest a LT Muni Bond Fund?
Replies: 7
Views: 882

Tax Harvesting VWLUX - Vang LT Tax Exempt

Boy, Muni funds had a bad week! I'd like to do some tax harvesting of my Vanguard LT Tax Exempt fund and was wondering the best way to do this. I like the fund, though, and would like to get back into it after I step away for a while. Or is there a consensus that says I should go to a muni fund with...
by Mian
Sun Jun 23, 2013 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Tax Harvesting VWLUX - Vang LT Tax Exempt
Replies: 8
Views: 799

Re: Back-testing Portfolio - Need Help

Thanks, simplicity -- that was exactly what I was looking for!
by Mian
Tue Jan 29, 2013 3:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Back-testing Portfolio - Need Help
Replies: 2
Views: 315

Back-testing Portfolio - Need Help

Does anyone have any suggested methods of back-testing a mostly EFT portfolio? I want to go back three years and find that the software I'd use (probably M*) wouldn't take monthly distributions into consideration for BND and that I'd have to enter them manually -- very time consuming! How do you all...
by Mian
Tue Jan 29, 2013 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Back-testing Portfolio - Need Help
Replies: 2
Views: 315

Re: What Is The Correct AA For a 107 Year Old Investor?

I surmise he invests in stocks because it's what he likes to do (he's probably not worried about outliving his assets.)

God Bless him!
by Mian
Sun Dec 23, 2012 6:26 pm
 
Forum: Investing - Theory, News & General
Topic: What Is The Correct AA For a 107 Year Old Investor?
Replies: 27
Views: 2326

Re: Thoughts on Pimco's Australian Bond ETF?

No. The Prospectus notes "Currency Risk: the risk that foreign currencies will decline in value relative to the U.S. dollar and affect the Fund’s investments in foreign (non-U.S.) currencies or in securities that trade in, and receive revenues in, or in derivatives that provide exposure to, fo...
by Mian
Sun Dec 23, 2012 12:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Pimco's Australian Bond ETF?
Replies: 6
Views: 467

Re: Term Life Insurance policy Owner Question

Thanks folks - excellent answers, succinct and right on the point. One other question though: in the linked article I think it said that the owner must pay the premium and that if I pay it after moving the policy to my wife, the IRS could disqualify the ownership change and assess the value back on ...
by Mian
Sun Dec 23, 2012 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance policy Owner Question
Replies: 9
Views: 686

Term Life Insurance policy Owner Question

Hi, This is probably Term Life Insurance 101, but I looked through the wiki and didn't see anything germane to my question. here it is: I have a large term life policy that I took over when I left the company I was working for and put it into my name as owner, with my wife as beneficiary. For estate...
by Mian
Sat Dec 22, 2012 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance policy Owner Question
Replies: 9
Views: 686

Re: BOGLEHEADS 11 VIDEOS

Hi,
Any ETA on the photos taken from B11 and where they may be found? I've already cleared a spot over the fireplace for my photo taken with Jack.

Many thanks!
by Mian
Mon Oct 22, 2012 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEADS 11 VIDEOS
Replies: 32
Views: 4116

Re: Trip to Israel

Nazareth is strangling because of where the Wall has been put. A lot of the Christians have sold up and moved abroad, moslems have bought the shops (remember in Koran, we are 'people of the book' ie recognized by the Islamic faith, Jesus in particular). Valuethinker, do you mean Bethlehem (and not ...
by Mian
Mon Oct 15, 2012 10:41 am
 
Forum: Personal Consumer Issues
Topic: Trip to Israel
Replies: 22
Views: 1404

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

Lady Geek, I saw the "Scratch Pad" entry and the only change I would suggest making to it would be to include the fact that the SEC's charges are disputed and Lucia and Co. intend to defend themselves against the charges. I'm not a Lucia partisan; I have read his book and found it somewhat...
by Mian
Sun Sep 09, 2012 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 12568

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

I'm going to give Ray Lucia the benefit of the doubt and last word (at least from my standpoint as a forum member) on this. As he said on his website:


"...I intend to vigorously defend [myself against] this absolutely meritless lawsuit and will seek an early trial."
by Mian
Sat Sep 08, 2012 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 12568

Re: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 201

The "Buckets" approach is not too terribly different from the Liability Matching Portfolio advocated by Bernstein et al. I think the latter approach IS superior, since, assuming you have correctly identified how much your portfolio needs to provide each year, and if you can fund it with T...
by Mian
Sat Sep 08, 2012 4:13 pm
 
Forum: Investing - Theory, News & General
Topic: Ray Lucia charged by SEC - "Buckets of Money" Sep 5, 2012
Replies: 136
Views: 12568

Re: Bernstein article on CNN

The key is to choose the right wine to accompany your dog (or cat) food of choice: A few rules-of-paw for canine/feline food and wine pairing: 1. Match quality of food and wine 2. Light before full-bodied, dry before sweet, low before high 3. Balance flavor intensity 4. Consider how the food is pre...
by Mian
Wed Sep 05, 2012 8:45 am
 
Forum: Investing - Theory, News & General
Topic: Bernstein article on CNN
Replies: 64
Views: 5724

Re: Money Mag Article

Does anyone know if this interview is available online? Anyone have a link?

Thanks..
by Mian
Thu Aug 30, 2012 10:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Money Mag Article
Replies: 74
Views: 13952

Re: Do You Haggle? If so: when, for what, how?

Pizzas! Always ask what the 'special of the day' is when you call to order a pizza and don't be shy about asking if they'll match a competitors's price for a similar pie. Of course, don't call at 6pm on Super Bowl Sunday and expect to get a deal -- Monday evenings in the summer seem to work pretty w...
by Mian
Fri Aug 24, 2012 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Do You Haggle? If so: when, for what, how?
Replies: 94
Views: 9725

Re: embezzlement for dummies

As an English/History major in college, I had little financial education and had to learn quite a bit on my own when I took over the CFO role at my family's business (25 million in annual sales.) Lots of the suggestions I've read in the comments are quite good. I especially agree with the fellow tha...
by Mian
Sat Feb 04, 2012 2:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: embezzlement for dummies
Replies: 27
Views: 2762

Re: Engagement Rings

I've found that an engagement ring is not the best place to save money. :) Its been 22 years. I think I paid about 12k for a 1.2 carat stone, great quality with very high 4 c's. In retrospect, I should have probably traded a larger rock for less quality: I don't recall any of my wife's friends appra...
by Mian
Mon Nov 14, 2011 7:42 pm
 
Forum: Personal Consumer Issues
Topic: Engagement Rings
Replies: 93
Views: 4859

Thanks for #10 Grok! Actually, thanks for all of the Investing Tips!
by Mian
Fri Oct 14, 2011 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #10: Get Real (Returns)!- the 3% solution
Replies: 64
Views: 18017

Thanks Major. Great answer & much appreciated.
by Mian
Thu Oct 13, 2011 7:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Closing Bank Line of Credit
Replies: 2
Views: 334

Need Advice on Closing Bank Line of Credit

I just received word from my bank (a major NYC bank) that my line of credit of $95k will be ending on 12-31-11 as the 10-year period assigned to this Home Equity loan is coming to a close. This home equity line was added to my home mortgage at my request when I built my home 10 years ago. The balanc...
by Mian
Thu Oct 13, 2011 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Need Advice on Closing Bank Line of Credit
Replies: 2
Views: 334

Simply stated, paying off the mortgage was the best financial decision I've ever made.

The peace of mind that this has afforded transcends any argument of dollars and cents. I heartily recommend it if you can do so without hardship.
by Mian
Fri Oct 07, 2011 5:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Pay Off My Mortgage?
Replies: 71
Views: 8222

I think they should give the Peace Prize to Mohandas Gandhi. Believe it or not, the Mahatma was nominated four or five times but was always a runner-up and never received the prize.
by Mian
Mon Oct 03, 2011 5:50 pm
 
Forum: Personal Consumer Issues
Topic: Should the Nobel Prize be awarded posthumously?
Replies: 27
Views: 2272

That's probably a Bloomberg Professional ticker. (LBUSTRUU)
It sure would be nice to have an extra $1700/month laying around to use that service.

Thanks for your responses everyone!
by Mian
Mon Oct 03, 2011 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclays Agg Bond Index Ticker Symbol?
Replies: 10
Views: 3798

You should use indexes for tracking, but you cannot invest directly in them. I should have been more precise. I intend to use this as a benchmark. Barclays Capital U.S. Aggregate Index (ticker: LBUSTRUU)*. .. * good luck getting that! No kidding! I can't get that symbol to come up anywhere! Where d...
by Mian
Mon Oct 03, 2011 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclays Agg Bond Index Ticker Symbol?
Replies: 10
Views: 3798

It is an index. You can't invest in the indexes themselves, so no ticker. The DJIA and S&P 500 are indexes too and they have tickers I'm not interested in using ETFs as benchmarks since fees are incorporated into the ETF's valuation. Same with other funds that "track any index quite closel...
by Mian
Mon Oct 03, 2011 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Barclays Agg Bond Index Ticker Symbol?
Replies: 10
Views: 3798

Barclays Agg Bond Index Ticker Symbol?

Does anyone know if this is available and what it might be? Also any other Bond Index tickers symbols, for example Munis and Tips... I'm looking for Total Return index tickers and not index funds or ETFs that follow those indexes, if possible. I searched past board posts but couldn't come up with an...
by Mian
Mon Oct 03, 2011 9:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Barclays Agg Bond Index Ticker Symbol?
Replies: 10
Views: 3798

Yes, I became very comfortable here. My wife's an architect and we were able to buy 10 acres of woods and build a house for what I'd probably pay for a two bedroom in the Upper West Side. Still, I do miss some cultural aspects but the world seems a whole lot smaller these days with high speed intern...
by Mian
Mon Sep 19, 2011 9:19 pm
 
Forum: Personal Consumer Issues
Topic: Considering moving from NYC
Replies: 83
Views: 7402

I lived in NYC for about five years in the 1980s, after graduating from university. I returned to Ohio (where I was born) mostly because I could enjoy a higher standard of living economically and frankly, tired of having to carry dry-cleaning up to my fourth-floor walk-up after a hard day's work. I ...
by Mian
Mon Sep 19, 2011 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Considering moving from NYC
Replies: 83
Views: 7402

Did you know that TJ's parent company is ALDI?
Just a fact.


I don't believe this is true. TJs is owned by a Trust that was created by the founding brothers of Aldi for their children, but beyond that connection there is no ownership or management relationship between TJs and Aldi..
by Mian
Sat Jul 23, 2011 10:30 am
 
Forum: Personal Consumer Issues
Topic: Trader Joe's
Replies: 123
Views: 14018

The irony - if you want to know - is that since AF is part of Sky Team, it is possible that the exact same award inventory is available through any number of other ST carriers, in particular Delta - and DL would not charge $586 for an award ticket using Sky Miles from ATL to TLS. DL does charge a l...
by Mian
Fri Jul 22, 2011 10:41 am
 
Forum: Personal Consumer Issues
Topic: Frequent Flyer Mistake
Replies: 11
Views: 1641

Trader Joe's has a lot of great stuff, but shop carefully like you would anywhere else. Some things are excellent - tabouli salad, for instance, or craft beers -- but other stuff is ordinary, though sporting fancy packaging and a high price tag. (e.g. frozen burritos, with 30 or so "ingredients...
by Mian
Tue Jul 19, 2011 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Trader Joe's
Replies: 123
Views: 14018

2009 CTS didn't come with a spare but instead came with some contraption that would patch and allow me to inflate the flat (guess it didn't anticipate any road hazards that would blow out a sidewall.) I bought a spare from a Caddy dealer on the internet for $250, about $100 less than at my local dea...
by Mian
Tue Jul 05, 2011 6:51 pm
 
Forum: Personal Consumer Issues
Topic: LA Times: Automakers sell more cars without spare tires
Replies: 25
Views: 3011

I guess my P.S. fell on deaf "eyes." If you actually read what I wrote, you would see that my current position is that there is no rule against advertising that I can find. How do you see my position that there is no rule against advertising is my attempt to protect you from these "n...
by Mian
Mon Jul 04, 2011 9:28 am
 
Forum: Investing - Help with Personal Investments
Topic: advertising by Rick Ferri
Replies: 91
Views: 8182

Living in the country, I've had years of experience killing mice. Quick and dirty suggestions: 1) Use covered traps. They cost more but work better since they require the mouse to enter in such a way that they are killed quickly and humanely (if one can call a spring-loaded mechanism breaking their ...
by Mian
Mon Jul 04, 2011 9:15 am
 
Forum: Personal Consumer Issues
Topic: Mouse In Apartment
Replies: 54
Views: 4059

Rocket, Cinghiale, sscritic, others: I appreciate your efforts to protect your fellow Bogleheads from the nefarious efforts of those whom you feel are peddling undue influence, but I prefer to make my own decisions and don't need your protection... I feel confident that I am speaking on behalf of a ...
by Mian
Mon Jul 04, 2011 8:58 am
 
Forum: Investing - Help with Personal Investments
Topic: advertising by Rick Ferri
Replies: 91
Views: 8182

It certainly seemed like ordering wine was the norm as everyone else had wine in their hand / table. I would hate to stop coming here as the entrees were very good. I am a wine fan and know that many restaurants --especially many finer ones-- are very proud of their wine lists and consider wine to ...
by Mian
Tue Jun 21, 2011 11:43 pm
 
Forum: Personal Consumer Issues
Topic: Would you like wine with that?
Replies: 40
Views: 2474

James B. Stewart's Common Sense Column Ending?

I just read Stewart's A Decade of Buying and Selling Stocks column in SM, which he says will be his last. Does anyone know what his plans are? I like his column and will miss it.. http://www.smartmoney.com/invest/stocks/common-sense-success-a-decade-of-buying-and-selling-stocks-1307395134226/?link=S...
by Mian
Thu Jun 16, 2011 8:01 am
 
Forum: Investing - Theory, News & General
Topic: James B. Stewart's Common Sense Column Ending?
Replies: 2
Views: 989

Speaking as an Ohioan, I would recommend the Air Force Museum in Dayton or the Rock and Roll Hall of Fame in Cleveland. (I guess it depends mostly on the age of and what most interests your kids.) Also, if you're die-hard football fans (and being from Alabama, it could be assumed that you are!) ther...
by Mian
Tue Jun 07, 2011 3:55 pm
 
Forum: Personal Consumer Issues
Topic: Things to see in PA, OH, NY, WV in a few hours... Question.
Replies: 44
Views: 3011
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