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Re: Vanguard offers login security code

Did somebody find out what happens if your phone number changes? How do you change it so you can log onto your account? Therein lies the rub, and a reason one might consider not requiring the code when using a known-to-Vanguard computer. Either way, Vanguard has to have a procedure to use things on...
by Phineas J. Whoopee
Sat Nov 22, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3350

Re: Will stocks beat bonds over next 30 years?

PJW, the part that I didn't follow was where you said that computers enabled fewer people to make more mistakes. Why not more people, instead of fewer? I understand. Please allow me to explain. A long time ago, if the entire population of the globe, organized for the purpose and working efficiently...
by Phineas J. Whoopee
Sat Nov 22, 2014 12:23 am
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 42
Views: 3051

Re: How to find Second Lowest Cost Silver Plan for your area

... That's where the zip code comes in. Zip code indicates your area. I beg your pardon? healthcare.gov is relevant for some states, but not for others. Your instructions said to go there. OP didn't indicate h/er/is domicile. The second-cheapest silver plan for 2014 is unlikely to be listed on the ...
by Phineas J. Whoopee
Fri Nov 21, 2014 11:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 9
Views: 846

Re: Will stocks beat bonds over next 30 years?

... The parameter values I used were intended to be reasonable forward looking estimates over the next 30 years for US stocks and the US investment grade bond universe. ... Computers have enabled fewer people to make more mistakes in less time than has ever before been the case in human history. PJ...
by Phineas J. Whoopee
Fri Nov 21, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 42
Views: 3051

Re: Will stocks beat bonds over next 30 years?

... The parameter values I used were intended to be reasonable forward looking estimates over the next 30 years for US stocks and the US investment grade bond universe. ... Computers have enabled fewer people to make more mistakes in less time than has ever before been the case in human history. PJW
by Phineas J. Whoopee
Fri Nov 21, 2014 10:17 pm
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 42
Views: 3051

Re: What would be the investing strategy for a coming crash?

... Supposing that an investor did believe a major crash was coming within the next 2 years, what would be the proper course of action for him? ... Get out now ! Now, now, now , now, now! But only if said hypothetical investor was sufficiently confident in his belief. Otherwise, he should make sure...
by Phineas J. Whoopee
Fri Nov 21, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: What would be the investing strategy for a coming crash?
Replies: 47
Views: 3234

Re: Why finance research is often wrong - the jelly bean pro

larryswedroe wrote:Sorry PJW
... Sorry but nothing more I can add.
Larry

Fair enough. For the record, I never claimed it doesn't exist. You claimed it does.
PJW
by Phineas J. Whoopee
Fri Nov 21, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4965

Re: How to find Second Lowest Cost Silver Plan for your area

To find the second lowest cost silver plan: ... 1) go to healthcare.gov . ... 5) Enter your expected household income for 2015 and click "CONTINUE" ... You have now found the second lowest cost SILVER Plan for your area. I am glad to help, but could you really not figure this out yourself...
by Phineas J. Whoopee
Fri Nov 21, 2014 7:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 9
Views: 846

Re: Why finance research is often wrong - the jelly bean pro

PJW here's the link http://papers.ssrn.com/sol3/papers.cfm?abstract_id=2524547 AS to your other comments, I have confidence to invest because there is well documented in peer reviewed academic journals support for the premiums and that the evidence as I said is persistent and pervasive. And I know ...
by Phineas J. Whoopee
Fri Nov 21, 2014 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4965

Re: Why finance research is often wrong - the jelly bean pro

Here's an interesting quote re the null hypothesis “Standard predictive regressions fail to reject the hypothesis that the party of the U.S. President, the weather in Manhattan, global warming, El Ni˜no, sunspots, or the conjunctions of the planets, are significantly related to anomaly performance....
by Phineas J. Whoopee
Fri Nov 21, 2014 7:20 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4965

Re: How to find Second Lowest Cost Silver Plan for your area

It probably would have been easier to find out prior to 15 November. ... My current strategy is to just Rothify enough so that I hit the MAGI I told the Marketplace I would make for 2014. That should be safe? Maybe? I guess this isn't the time to try and maximize tax credits, although it is tempting...
by Phineas J. Whoopee
Fri Nov 21, 2014 6:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 9
Views: 846

Re: Updated opinions about Ally Bank?

They've repaid all the TARP money and Treasury was due to make a profit on its remaining shares. Earlier this year the CEO of Ally Financial said he expected Treasury to exit its position before the end of 2014. I don't know whether it's been accomplished yet. I use them, but have no argument with a...
by Phineas J. Whoopee
Fri Nov 21, 2014 5:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 67
Views: 8122

Re: Vanguard offers login security code

Enrolled. Thanks for telling us it's become available.
PJW
by Phineas J. Whoopee
Fri Nov 21, 2014 5:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3350

Re: SEPP for early retiree

wshang wrote:...
While I was able to google 72t.net, I was not able to link to it nor bring it up on my browser.
...

They don't like being linked from elsewhere. If you simply type:

72t.net

into the address bar of your browser it should work.

PJW
by Phineas J. Whoopee
Fri Nov 21, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: SEPP for early retiree
Replies: 6
Views: 1015

Re: Why finance research is often wrong - the jelly bean pro

... Phineas ... Second, you used the term higher RISK ADJUSTED returns. ... Thanks for the response, Larry. I used the term because, if return is simply higher because the risk is higher, then I can use less costly means to increase risk if I choose. ... Third, as to undermine the idea: I would say...
by Phineas J. Whoopee
Fri Nov 21, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4965

Re: Why finance research is often wrong - the jelly bean pro

Hi Larry, Hoping I can turn down the heat a bit, and turn up the light, and also trying to comply with LadyGeek's thoroughly appropriate request, can you tell us individual investors, not necessarily we so much as me , who are skeptical of the factor approach (as upthread you admonished Victoria F. ...
by Phineas J. Whoopee
Thu Nov 20, 2014 8:57 pm
 
Forum: Investing - Theory, News & General
Topic: Why finance research is often wrong - the jelly bean problem
Replies: 58
Views: 4965

Re: Fidelity 2-Factor authentication fail...

I may be wrong but a phone call is very safe in my opinion. All phone calls are recorded and logged. phone numbers can not be spoofed and the police can trace a phone number back to a home address. So a hacker will not call fidelity because the phone call will be traced back to the hacker's home ad...
by Phineas J. Whoopee
Fri Nov 14, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1103

Re: Fidelity 2-Factor authentication fail...

... If you're a Russian hacker, how many fake American voices can you mimic, and how soon would Fidelity catch on? Once you break into the account, what exactly can you do to steal money? Fidelity probably looks at its internal data on security breaches and knows that this is rare. Although I agree...
by Phineas J. Whoopee
Fri Nov 14, 2014 8:50 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1103

Re: Fidelity 2-Factor authentication fail...

Not too good, but if I may say so, not too surprising, either. There's always a tradeoff between security and convenience. Many service providers compromise the first to facilitate the second. Thanks for the report. For the record, I have the Schwab VPN token, and their instructions say that if the ...
by Phineas J. Whoopee
Fri Nov 14, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1103

Re: Vanguard ETF vs. Mutual Fund when expenses equal

indexfundfan wrote:...
Other than that, in the regular case where you sell whole shares of ETFs, you can use the entire value to purchase Vanguard mutual funds on the same trading day.

Wonderful! Thanks for the additional information.
PJW
by Phineas J. Whoopee
Fri Nov 14, 2014 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF vs. Mutual Fund when expenses equal
Replies: 27
Views: 1696

Re: Vanguard ETF vs. Mutual Fund when expenses equal

If you have the "upgraded" VBS account, you don't need to wait for the 3-day settlement to move from Vanguard ETF to Vanguard mutual fund, Even better, but can you clarify whether that's because of staying within Vanguard, or because the upgraded account includes margin? Ordinarily, in a ...
by Phineas J. Whoopee
Fri Nov 14, 2014 3:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF vs. Mutual Fund when expenses equal
Replies: 27
Views: 1696

Re: Vanguard ETF vs. Mutual Fund when expenses equal

If you are unsure, remember you can always convert from the index fund to the ETF (when an ETF exists for that fund), but not the other way around. Very true, and if I may embellish, that's especially important in a taxable account, because the conversion from mutual fund shares to the ETF is a non...
by Phineas J. Whoopee
Fri Nov 14, 2014 3:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF vs. Mutual Fund when expenses equal
Replies: 27
Views: 1696

Re: letting profits run or sell...

... It is helpful to me. Thank you Mr. Whoopee. Happy to have been of service. OP: I would put a stop order in right below the price per share now , so if they go down any - you sell, if they continue to gain - you hold and let them keep growing for many years (as Toons says). Put the order in NTC ...
by Phineas J. Whoopee
Fri Nov 14, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: letting profits run or sell...
Replies: 34
Views: 2577

Re: iBonds at zero % fixed

Ah! myRA . Phase out is a distinct possibility, especially the I Bonds. Better make this year count. :D Thanks for getting the thread locked. Now we'll never find out what Mel thinks. PJW What? Wasn't that the gist of his article? The topic you brought up is off-topic, per Alex. I predict a locking...
by Phineas J. Whoopee
Fri Nov 14, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8880

Re: iBonds at zero % fixed

VA_Gent wrote:Ah! myRA . Phase out is a distinct possibility, especially the I Bonds. Better make this year count. :D

Thanks for getting the thread locked. Now we'll never find out what Mel thinks.
PJW
by Phineas J. Whoopee
Fri Nov 14, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8880

Re: Isn't everybody here market timing, by definition?

Amusing.

We're not market timing. We're time in the marketing.

PJW
by Phineas J. Whoopee
Fri Nov 14, 2014 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: Isn't everybody here market timing, by definition?
Replies: 32
Views: 1886

Re: iBonds at zero % fixed

PJW, What is this new type of savings bond you speak of? It's for retirement purposes, will only be offered in a to-be-introduced Treasury equivalent of a Roth IRA, and the final details aren't out yet. We do know it will offer the same variable rate as the TSP G Fund. I didn't want to go into deta...
by Phineas J. Whoopee
Fri Nov 14, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8880

Re: iBonds at zero % fixed

... Here's a column I did for Forbes, speculating that the Treasury was intentionally trying to kill off Savings Bonds. http://www.forbes.com/sites/thebogleheadsview/2011/08/05/treasury-killing-off-us-savings-bonds/ Is your opinion altered by the impending introduction of a new savings bond type? PJW
by Phineas J. Whoopee
Fri Nov 14, 2014 1:27 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 8880

Re: Vanguard ETF vs. Mutual Fund when expenses equal

I find Vanguard ETF's a lot more convenient for monthly rebalancing, and also are good for knowing that I am always getting Admiral expense ratios. For example, with most of the Vanguard mutual funds, after you sell, you need to wait 60 days before you can buy again. Wow! You are the only person wh...
by Phineas J. Whoopee
Fri Nov 14, 2014 12:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard ETF vs. Mutual Fund when expenses equal
Replies: 27
Views: 1696

Re: Food stamps

This USDA pre-screening tool may help you help your friend. I believe there are also considerations which vary by state.
PJW
by Phineas J. Whoopee
Fri Nov 14, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Food stamps
Replies: 8
Views: 1663

Re: IRA move happend at the worst time - now what?

Most people say to follow your asset allocation and jump right back in. However, in this situation I don't think anyone would fault you for dollar cost averaging over the next 6-12 mos. Put a sixth or a 12th back in every month until you are back to your proper aa. 20 years from now it won't matter...
by Phineas J. Whoopee
Thu Nov 13, 2014 9:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: IRA move happend at the worst time - now what?
Replies: 15
Views: 1229

Re: Money Market interest question

TIAA Direct is, according to its website, an FDIC-insured bank, so not only is the return higher, the risk is lower.

There may be other deals from banks & credit unions that are even better. You might want to check depositaccounts.com

PJW
by Phineas J. Whoopee
Thu Nov 13, 2014 3:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Money Market interest question
Replies: 1
Views: 233

Re: Bogleheads not found easily in Google

I ran the search on Google just now and Bogleheads was the first non-sponsored result.
PJW
by Phineas J. Whoopee
Thu Nov 13, 2014 2:24 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2892

Re: Bogleheads get to hedge fund guy

I invoke Poe's Law . PJW Poe's law, named after its author Nathan Poe, is an Internet adage reflecting the idea that, without a clear indication of the author's intent , it is difficult or impossible to tell the difference between an expression of sincere extremism and a parody of extremism. I'm pr...
by Phineas J. Whoopee
Thu Nov 13, 2014 2:11 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads get to hedge fund guy
Replies: 28
Views: 4352

Re: ObamaCare vs. Private Insurance??

Isn't this what you said? "As long as you're taking your opinions from an article in yesterday's Journal, to you it probably doesn't matter." PJW So how am I putting words in your mouth? My apologies. No offense intended. None taken. You made claims. You most recently said you took your o...
by Phineas J. Whoopee
Wed Nov 12, 2014 10:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9259

Re: ObamaCare vs. Private Insurance??

munemaker wrote:...
You are correct that it does not matter much to me whether policies purchased on the exchange are considered public or private. Can you explain why it matters to you? Thanks

Kindly refrain from putting words into my mouth.
PJW
by Phineas J. Whoopee
Wed Nov 12, 2014 8:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9259

Re: Dividend yield from 60/40 stocks/bond

And if that's what you had asserted to begin with I might have pointed out total return vs. yield, but we would have had no further disagreement. My problem was your saying, here, on a public forum plenty of non-registered people come to for insights, that S, whatever we contend it stands for, WR ==...
by Phineas J. Whoopee
Wed Nov 12, 2014 6:22 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1516

Re: Dividend yield from 60/40 stocks/bond

Ah - I most certainly did not claim that . What i said was that the safe withdrawal rate of 4% also came at a time with the dividend/yield rates were also about 4% . I'm very much aware that the Trinity study is total return. I think you misread my original post. I think both Michael Kitches and Wa...
by Phineas J. Whoopee
Wed Nov 12, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1516

Re: EE savings bonds for retirement

... And who will notify us of deflation? You don't even have to say it, we are asking the fox (Treasury) to tell us who, what, when, where and how? So far there hasn't been any deflation since the Great Depression, but that could change....any day now......any day. Setting aside the inherently off-...
by Phineas J. Whoopee
Wed Nov 12, 2014 5:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2124

Re: Dividend yield from 60/40 stocks/bond

Hmm - well then I'm not following your point. Dividends and Yield are a component of total return. In the past these have traditionally been higher. If the investment world has now permanently reduced this to, say 2%, then what does that mean with regards to the historically safe withdrawal of 4%? ...
by Phineas J. Whoopee
Wed Nov 12, 2014 5:04 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1516

Re: Dividend yield from 60/40 stocks/bond

That's incorrect. Not only isn't it classic nor necessarily sustainable I really meant to say the Safe Withdrawal Rate. Fine. The rest of my post still applies, with my word sustainable changed to your safe . I personally prefer the term sustainable over safe, especially because it's the Trinity au...
by Phineas J. Whoopee
Wed Nov 12, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1516

Re: ObamaCare vs. Private Insurance??

... I read an article in today's WSJ that refers to insurance bought on the exchange as private insurance, so I am going to change my position and go with that. I guess that is in contrast to Medicare and Medicaid that are public insurance. I still question why it really matters. As long as you're ...
by Phineas J. Whoopee
Wed Nov 12, 2014 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: ObamaCare vs. Private Insurance??
Replies: 105
Views: 9259

Re: EE savings bonds for retirement

If I may add one fact, we don't know what the rate on today's EE bonds will be for the ten-year "final maturity" period, after they hit their "original maturity" at 20 years. There will be some rate or other, but it will be determined later. ... We may change the rate or the way ...
by Phineas J. Whoopee
Wed Nov 12, 2014 3:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2124

Re: Dividend yield from 60/40 stocks/bond

... The classic sustainable withdrawal rate is 4%. Over that time I think the typical diversified dividend/yield was also 4%. Coincidence? Today the diversified dividend/yield is 2%. Maybe SWR should be 2%? That's incorrect. Not only isn't it classic nor necessarily sustainable, the Trinity Study l...
by Phineas J. Whoopee
Wed Nov 12, 2014 3:06 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend yield from 60/40 stocks/bond
Replies: 16
Views: 1516

Re: Food Frugality: Where do you draw the line?

... When I was trying to explain my dietary preferences, coworkers were persisting to convince me to break these preferences. Each time I broke my rules, their persistence grew and it was becoming more difficult to resist. But after I started saying, "I don't eat carbs," with no further e...
by Phineas J. Whoopee
Wed Nov 12, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Food Frugality: Where do you draw the line?
Replies: 94
Views: 6340

Re: Should I avoid buying Vanguard ETFs?

... Thanks for everyone's response. I heard this from an investment adviser who works for one of the big banks, who seemed to think that index funds aren't that great of an option . I figured it wasn't good advice but I wanted to understand why. They aren't, for h/er/im to sell to you. The commissi...
by Phineas J. Whoopee
Wed Nov 12, 2014 1:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I avoid buying Vanguard ETFs?
Replies: 12
Views: 1532

Re: How do you track the value of your illiquid assets ?

Taking the you in "How do you track the value of your illiquid assets" literally and in its singular sense: 1: I bought my home seven years ago and carry it on my books at the price the seller and I agreed to. I don't attribute other closing and moving costs to its value, even though part ...
by Phineas J. Whoopee
Wed Nov 12, 2014 12:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: How do you track the value of your illiquid assets ?
Replies: 50
Views: 2485

Re: Should I avoid buying Vanguard ETFs?

I've been told by a non-Boglehead that Vanguard ETFs are unique among index fund ETFs because their assets are in the same pool as the index mutual funds. Therefore, from what I've been told, unlike other ETFs, the Vanguard ETFs distribute cap gains, and i should therefore avoid Vanguard ETFs. Does...
by Phineas J. Whoopee
Wed Nov 12, 2014 11:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Should I avoid buying Vanguard ETFs?
Replies: 12
Views: 1532

Re: Insurance is a bad investment - My policy as example

I agree, and if I may add, insurance isn't so much a bad investment, as it isn't an investment. Many insurance companies' sales staffs and agents are highly compensated to obscure the fact. Some small part of my Total Stock and Total International Stock holdings no doubt are in common stock of insur...
by Phineas J. Whoopee
Tue Nov 11, 2014 8:01 pm
 
Forum: Investing - Theory, News & General
Topic: Insurance is a bad investment for college saving - My policy
Replies: 14
Views: 1135
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