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Re: Google likes this site

And who did Google invite to educate their employees about investing before their IPO?

http://www.modernluxury.com/san-francis ... -never-get
by baw703916
Thu Feb 26, 2015 3:09 pm
 
Forum: Forum Issues and Administration
Topic: Google likes this site
Replies: 19
Views: 848

Re: Risk--Again. The common stepping stone

Kevin M wrote:Look at the progression of William Bernstein's books, and his own acknowledgement that he started out too complex


I loved Intelligent Asset Allocator! Just saying... :happy
by baw703916
Wed Feb 25, 2015 7:35 pm
 
Forum: Investing - Theory, News & General
Topic: Risk--Again. The common stepping stone
Replies: 45
Views: 2306

Re: Form 1116 country of origin

I just checked my 1116 form from 2013, done with H&R Block, and it let me enter "RIC" on line g of Part 1.

Is there a bug in this year's software? If so, then this isn't going to be much fun for me.
by baw703916
Wed Feb 25, 2015 10:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Form 1116 country of origin
Replies: 11
Views: 345

Re: Vanguard's New Index Fund of Municiples

This fund's portfolio (based on MUB, which tracks the same index), will be similar to VWLTX (long term), not VWITX (intermediate term). One advantage this fund will have is a lower threshold for low cost shares--Vanguard's current TE funds, because they're "active", have a $50K admiral mi...
by baw703916
Tue Feb 24, 2015 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: Vanguard's New Index Fund of Municiples

LadyGeek wrote:lucky3 - I merged your thread into here.

baw703916 wrote:There was another thread on this fund that I've suggested that the mods merge with this one, but they haven't yet.

viewtopic.php?f=10&t=154865

It is now, thanks.


Thanks, LG!
by baw703916
Mon Feb 23, 2015 6:34 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: Vanguard's New Index Fund of Municiples

This fund's portfolio (based on MUB, which tracks the same index), will be similar to VWLTX (long term), not VWITX (intermediate term). One advantage this fund will have is a lower threshold for low cost shares--Vanguard's current TE funds, because they're "active", have a $50K admiral min...
by baw703916
Mon Feb 23, 2015 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: Comedian Kevin Hart: "Stay in your financial lane."

This whole concept seems so foreign to me. I wouldn't even want to hang out with people who like throwing money around. I prefer people who will have money available should a good reason to spend it come along, but who dislike spending money unnecessarily.
by baw703916
Mon Feb 23, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: Comedian Kevin Hart: "Stay in your financial lane."
Replies: 3
Views: 1391

Re: Vanguard's New Index Fund of Municiples

There was another thread on this fund that I've suggested that the mods merge with this one, but they haven't yet.

viewtopic.php?f=10&t=154865
by baw703916
Mon Feb 23, 2015 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: New Vanguard AMT-free National Municipal Bond Fund
Replies: 79
Views: 6958

Re: Contradictory use of the term "Market Portfolio"

For example,the CAPM says that the risk of a stock should be measured relative to a comprehensive “market portfolio” that in principle can include not just traded financial assets, but also consumer durables, real estate and human capital. Even if we take a narrow view of the model and limit its pu...
by baw703916
Sun Feb 22, 2015 3:22 pm
 
Forum: Investing - Theory, News & General
Topic: Contradictory use of the term "Market Portfolio"
Replies: 22
Views: 730

Re: Cost basis info preserved with in-kind transfer?

FYI: "Between January 2011 and January 2013 brokerage firms everywhere will start reporting investor gains and losses for new holdings directly to the IRS. Whenever a new law requires someone else to report information about you directly to the IRS you might want to review whats going on. For ...
by baw703916
Sun Feb 22, 2015 3:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis info preserved with in-kind transfer?
Replies: 10
Views: 576

Re: Cost basis info preserved with in-kind transfer?

We had another example of the cost basis not surviving a transfer, but it didn't involve Vanguard. At Schwab, transferring holdings from one account to another account (same account holder) led to the new "cost basis" then being the " cost per the date of transfer ". Not particu...
by baw703916
Sun Feb 22, 2015 2:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis info preserved with in-kind transfer?
Replies: 10
Views: 576

Re: Cost basis info preserved with in-kind transfer?

I owned the Vanguard EM index fund in another brokerage and transferred it to Vanguard, as the other brokerage didn't have a provision for doing an ETF or Admiral shares conversion (and I wanted to lower my expense ratio without having to realize capital gains). Here's the thread I started about it ...
by baw703916
Sun Feb 22, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Cost basis info preserved with in-kind transfer?
Replies: 10
Views: 576

Re: Risk--Again. The common stepping stone

The possibility of needing money and not having it is the only risk that intuitively makes sense to me. Isn't avoiding that situation the whole point of essentially all financial planning? This risk is best mitigated by having lots of money. It would be pretty much impossible for Warren Buffett to e...
by baw703916
Sun Feb 22, 2015 2:00 pm
 
Forum: Investing - Theory, News & General
Topic: Risk--Again. The common stepping stone
Replies: 45
Views: 2306

Re: Cap Gains & Divs killed me this year

Isn't the problem one of owning actively managed equity funds in taxable accounts? Index funds distribute dividends, but hardly ever capital gains. Vanguard Life Strategy Conservative Growth had a massive capital gain distribution in 2014. And it is 100% index funds. But that isn't an index fund, i...
by baw703916
Sat Feb 21, 2015 12:19 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5844

Re: Cap Gains & Divs killed me this year

Isn't the problem one of owning actively managed equity funds in taxable accounts? Index funds distribute dividends, but hardly ever capital gains. You may have to pay taxes eventually, but you're always better off deferring as long as possible. Capital gains distributions cause an involuntary reali...
by baw703916
Thu Feb 19, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Cap Gains & Divs killed me this year
Replies: 61
Views: 5844

Re: Which one is better, Total International or Global ex US

I'm not sure which fund you're talking about when you say "Global ex-US" Do you mean the real estate fund? If so it's a completely different animal--like comparing Total Stock Market and REIT index. I know that everyone on this board attacks people for giving ticker symbols, but could you ...
by baw703916
Wed Feb 18, 2015 7:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which one is better, Total International or Global ex US?
Replies: 4
Views: 599

Re: Fidelity refused to issue right Tax From,what to do?

A call to the IRS may be in order.
by baw703916
Wed Feb 18, 2015 10:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity refused to issue right Tax From,what to do?
Replies: 3
Views: 400

Re: BRK A vs. B

Up until about 10 years ago, owners of A shares but not B shares could direct a portion of BRK's corporate charitable donations to the charity of their choice. But then some outside groups objected to some of the recipients and threatened boycotts of some Berkshire businesses, and so that feature wa...
by baw703916
Tue Feb 17, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: BRK A vs. B
Replies: 36
Views: 2256

Re: Compounding 101-With Kittens

no kittens are involved: Importance of saving early Very happy to hear that no kittens are harmed by saving early. ;) The point I and others were making upthread is that while exponential growth can do wonderful things over time, in many cases it's not sustainable for an indefinite period. Whether ...
by baw703916
Mon Feb 16, 2015 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding 101-With Kittens
Replies: 8
Views: 1184

Re: Midcaps [Why does it seem to beat Total Stock Market?]

One issue is that there's quite a bit of money tracking both the S&P 500 and the R2000, which tends to push up the price of stocks in either index (you can see this when a stock joins the S&P its price tends to jump a couple %). So stocks which aren't in either index (which tend to be midcap...
by baw703916
Mon Feb 16, 2015 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: Midcaps [Why does it seem to beat Total Stock Market?]
Replies: 17
Views: 2428

Re: COMPOUNDING 101-WITH KITTENS

How many kittens will there be after 500 years? What percentage of the Earth's mass will be made up of kittens?
by baw703916
Mon Feb 16, 2015 1:47 pm
 
Forum: Investing - Theory, News & General
Topic: Compounding 101-With Kittens
Replies: 8
Views: 1184

Re: Tax Exempt Investing

Tax-exempt dividends get counted as income when figuring out the amount of social security benefits to be taxed. Therefore, you shouldn't use tax-exempt bond funds when you are taking Social Security, unless you are in the 25% bracket. In the 15% bracket and the Social Security phase-in range, you ...
by baw703916
Mon Feb 16, 2015 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tax Exempt Investing
Replies: 11
Views: 1128

Re: Pfau: Four Risks of Retirement Income

I would feel better about this if there wasn't a sales pitch aspect.

I mean, a document on immediateannuities.com which recommends immediate annuities. Who would have thought?
by baw703916
Mon Feb 16, 2015 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: Pfau: Four Risks of Retirement Income
Replies: 31
Views: 4296

Re: Grexit !!

But how do you know what the markets don't?
by baw703916
Mon Feb 16, 2015 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: Grexit ?
Replies: 24
Views: 1732

Re: Corruption pays (when investing internationally)

2. Some of their corruption rankings are crazy, like having Switzerland as one of the least corrupt countries in the world. http://www.economist.com/blogs/schumpeter/2013/10/swiss-banks-and-tax-evasion http://www.forbes.com/sites/robertwood/2014/10/13/100-swiss-banks-get-ultimatum-hand-over-america...
by baw703916
Sat Feb 14, 2015 9:03 pm
 
Forum: Investing - Theory, News & General
Topic: Corruption pays (when investing internationally)
Replies: 10
Views: 1275

Re: Corruption pays (when investing internationally)

Is it really a correlation with "corruption" that pays? Or is it just a fluke that happenstance would have it that "Emerging Markets" outperformed developed markets over that specific period dependent time frame? There probably is a correlation between "corruption" and...
by baw703916
Sat Feb 14, 2015 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Corruption pays (when investing internationally)
Replies: 10
Views: 1275

Re: Hacked (at outraged) at Verizon

An "investment seminar" at an upscale restaurant would be a great place for fraudsters to target high net worth individuals for identity theft.
by baw703916
Sat Feb 14, 2015 2:32 pm
 
Forum: Personal Consumer Issues
Topic: Hacked (at outraged) at Verizon
Replies: 25
Views: 2979

Re: Forbes on "How To Invest Your $600,000 IRA"

“Occam’s razor says the simplest answer is often the right one,” Indeed. Jack Bogle has quote this excellent saying into many of his books. This is what really irks me about the "simplicity fetish". Look at the context in which this quote appeared in the article: in the name of simplicity...
by baw703916
Sat Feb 14, 2015 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Forbes on "How To Invest Your $600,000 IRA"
Replies: 13
Views: 3973

Re: Forbes on "How To Invest Your $600,000 IRA"

I apologize for a second post, but I absolutely have to call out Malkiel for saying the following:

Why buy an AT&T bond paying 2.5% when the stock yields double that?, Malkiel asks.


Because chasing yield always is such a winning proposition...seriously this is terrible advice.
by baw703916
Sat Feb 14, 2015 1:16 am
 
Forum: Investing - Theory, News & General
Topic: Forbes on "How To Invest Your $600,000 IRA"
Replies: 13
Views: 3973

Re: Forbes on "How To Invest Your $600,000 IRA"

From the article: Vic Presutti, a 76-year-old in Dayton, Ohio, chose the cheap solution. When he retired from a job in operations research at the U.S. Air Force 16 years ago, he plopped his entire federal thrift account into an IRA invested in the Vanguard Balanced Index Fund In most cases, moving o...
by baw703916
Sat Feb 14, 2015 1:08 am
 
Forum: Investing - Theory, News & General
Topic: Forbes on "How To Invest Your $600,000 IRA"
Replies: 13
Views: 3973

Re: Paying state cap gains tax when moving from DC to CO

It probably would be safest to wait until 2015. Some states prorate deductions, tax brackets, etc. by the percentage of the year that you were a resident, others on the percentage of total annual income you earned as a state resident. So things that happen after you have moved away can affect your ...
by baw703916
Fri Feb 13, 2015 10:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying state cap gains tax when moving from DC to CO
Replies: 8
Views: 611

Re: Paying state cap gains tax when moving from DC to CO

It probably would be safest to wait until 2015. Some states prorate deductions, tax brackets, etc. by the percentage of the year that you were a resident, others on the percentage of total annual income you earned as a state resident. So things that happen after you have moved away can affect your t...
by baw703916
Fri Feb 13, 2015 11:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Paying state cap gains tax when moving from DC to CO
Replies: 8
Views: 611

Re: Day trading and capital gain tax nightmare

livesoft wrote:Don't day trade in an IRA account because one cannot fill it up as easily after it loses money since there are annual contributions limits. And one cannot get other taxpayers to pay for your losses either.


Don't lose money.
by baw703916
Thu Feb 12, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2943

Re: Day trading and capital gain tax nightmare

Taylor Larimore wrote: There is another problem with day trading (gambling): "77% of American Day Traders Are Losers."


This does at least eliminate the problem of capital gains taxes. :)
by baw703916
Thu Feb 12, 2015 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Day trading and capital gain tax nightmare
Replies: 37
Views: 2943

Re: Joining the free dinner circuit? Promises, promises.

One of my financial goals is to have enough money to eat at any restaurant as often as I would care to eat there without having to have my meal spoiled by having to listen to any financial nonsense. I'm seriously baffled by this whole thread. Attending something like this is not my idea of a good ti...
by baw703916
Wed Feb 11, 2015 9:35 pm
 
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 8070

Re: What Mr. Bogle says on speculation vs investment is shoc

I'm not sure why this is a problem I need to be concerned with.

All that trading makes the market more efficient, and lower the spreads on Vanguard's ETFs. I just let the traders trade while I invest. :moneybag
by baw703916
Wed Feb 11, 2015 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: What Mr. Bogle says on speculation vs investment is shocking
Replies: 4
Views: 902

Re: 2015 Update on Buffett's Hedge Fund Bet

The results to date would be a lot closer if not for the hedge funds' two and 20 fee structure.
by baw703916
Wed Feb 04, 2015 2:10 am
 
Forum: Investing - Theory, News & General
Topic: 2015 Update on Buffett's Hedge Fund Bet
Replies: 18
Views: 1996

Re: Joining the free dinner circuit? Promises, promises.

Personally, one of my goals in life is to minimize the amount of time I spend interacting with anyone trying to sell me anything. I like online shopping for that reason, as whenever I'm interacting with a salesperson I tend to go into a state of paranoia that they're trying to psychologically manipu...
by baw703916
Tue Feb 03, 2015 11:40 am
 
Forum: Personal Consumer Issues
Topic: Joining the free dinner circuit? Promises, promises.
Replies: 100
Views: 8070

Re: Buy High, Sell Low : Avoid Market Timing

An example of bad market timing might be to invest one's Roth IRA contribution all at once at January 2nd. Why do you consider investing on January 2nd an example of bad market timing? Are you implying that dollar cost averaging is a better approach than lump sum investing? I'm pretty sure he's not...
by baw703916
Tue Feb 03, 2015 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3212

Re: Bogle:You can't copy Beethoven or Buffett

What did Buffett himself say was the best approach for "the vast majority of investors"?
by baw703916
Tue Feb 03, 2015 11:12 am
 
Forum: Investing - Theory, News & General
Topic: Bogle:You can't copy Beethoven or Buffett
Replies: 12
Views: 1420

Re: Buy High, Sell Low : Avoid Market Timing

Seriously, do you see no difference whatsoever in what I wrote and the first paragraph of the OP? not really, no: The market is on a roll doing great so you get greedy and buy more equities. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in my AA...
by baw703916
Sun Feb 01, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3212

Re: Buy High, Sell Low : Avoid Market Timing

Whenever I read posts like this I think my brain must be wired backwards from everybody else's. In early 2009 I was happy to invest my IRA contributions in the riskiest asset classes I could find. In late 2013 the equities market seemed to be doing a little too well, and so I increased the bonds in...
by baw703916
Sun Feb 01, 2015 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3212

Re: Buy High, Sell Low : Avoid Market Timing

mbk734 wrote: Do you ever find yourself doing this? The market is on a roll doing great so you get greedy and buy more equities. The market tanks so you sell your equities and lose faith in investing. […] How do you avoid market timing? I think a basic understanding of the psychology of investing h...
by baw703916
Sun Feb 01, 2015 2:38 pm
 
Forum: Investing - Theory, News & General
Topic: Buy High, Sell Low : Avoid Market Timing
Replies: 32
Views: 3212

Re: The TSP Match

Pointyhead, just a word of warning--from your previous post I know your salary. :) You may wish to edit it for that reason. Thanks for this post though. For other current/prospective civilian (FERS) Federal employees, there is a 1% of salary automatic contribution even if you don't contribute anythi...
by baw703916
Sun Feb 01, 2015 2:15 pm
 
Forum: Investing - Theory, News & General
Topic: The TSP Match
Replies: 5
Views: 1031

Re: What if you could invest directly in the HML "factor?"

Nisi, The major point is that pure HmL has no net investment in the first place! The hypothetical (don't ever do this IRL!!!) way to capture it without carrying any beta along for the ride would be to buy the highest BtM decile and short the lowest decile. So your net investment is zero, no matter h...
by baw703916
Sun Feb 01, 2015 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: What if you could invest directly in the HML "factor?"
Replies: 1
Views: 230

Re: Chaos, complexity and entropy [for non-physicists]

I encountered it in the early 1980s, trying to solve equations for chemical equilibrium. Starting approximations that differed only in the smallest possible resolution of computer arithmetic, would lead to different solutions of the equations. These are Julia sets: Leeraar, Was this in a system wit...
by baw703916
Sun Feb 01, 2015 12:28 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7198

Re: Chaos, complexity and entropy [for non-physicists]

Generally a physical system can only exhibit chaotic behavior for an extended period of time when it isn't a closed system, meaning that there are active inputs. That's not true. Orbits of planets are chaotic, even in a (hypothetical) universe consisting of a single solar system (with two or more p...
by baw703916
Sat Jan 31, 2015 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7198

Re: Chaos, complexity and entropy [for non-physicists]

Yes, you did (in this post ). Perhaps I filtered it out... :) There's no need to apologize, it's just my experience with this field. I should also mention that there are several engineers in this thread who are wiki editors (myself and at least one other person). I don't know if any wiki editors ar...
by baw703916
Sat Jan 31, 2015 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7198

Re: Chaos, complexity and entropy [for non-physicists]

Thankfully, no one has yet mentioned the other torture - mechanics of fluids... Well, I kind of did in my [edit: next to] last post, LG. Sorry! :wink: I would guess that the reason it was the bane of your existence is that depending on several different parameters the behavior is very complex and c...
by baw703916
Sat Jan 31, 2015 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7198
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