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Re: Floating Rate Treasuries - J. Zweig

Floating rate Treasuries as a CD alternative. (Jason Zweig) Mr. Zweig references Allan Roth and Ken @ depositaccounts.com http://online.wsj.com/news/articles/SB10001424052702304626304579509593831505978 If you are not a wsj subscriber - google this exact title: Floating A Few Cents to Investors The ...
by grok87
Sun Apr 20, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Floating Rate Treasuries - J. Zweig
Replies: 1
Views: 59

Re: Global Minimum Volatility Fund

I own this fund for a large share of my portfolio.... I never thought of GROK comment on the benefit of a bond premium in equities, but I think his point is valid. I own this space in Roths, but would consider this fact if in taxable space. thanks steve. when you say a large share, what percentage ...
by grok87
Sun Apr 20, 2014 11:09 am
 
Forum: Investing - Theory, News & General
Topic: Global Minimum Volatility Fund
Replies: 6
Views: 565

Re: Global Minimum Volatility Fund

Vanguard isn't advertising it as a fund to go with for performance. In fact they say it will likely lag in a bull market. But if it has lower volatility and perhaps doesn't drop as much in the nasty markets it may be a good addition to a portfolio. There must be a reason that Vanguard is including ...
by grok87
Sat Apr 19, 2014 9:24 am
 
Forum: Investing - Theory, News & General
Topic: Global Minimum Volatility Fund
Replies: 6
Views: 565

Happy Easter and Pesach Sameach to Everyone

Happy Easter and Pesach Sameach to Everyone. Safe Travels to all those who are on the road.
cheers,
by grok87
Fri Apr 18, 2014 9:54 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Easter and Pesach Sameach to Everyone
Replies: 6
Views: 209

Re: Bogleheads 2014 Hedge fund contest

jackpullo997 wrote:Sorry, but "no trades for an entire year" is not a hedge fund.
Totally misnamed contest.

good point.
but actually maybe spot on for a BOGLEHEAD hedge fund contest...
by grok87
Fri Apr 18, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: Bogleheads 2014 Hedge fund contest

Not as good as last year, but my fund is still outperforming the S+P by about 400% YTD by shorting last year's winning fund's picks and going long on last year's losers. Not bad, considering I have no idea what companies I have invested in. I think I might be on to something. Another year like this...
by grok87
Fri Apr 18, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: Global Minimum Volatility Fund

I first noticed this fund when I saw that Vanguard uses it for 20% of their Managed Payout fund. It is a global fund that uses hedging (similar to the International Bond fund) for the international stocks. It is a fairly new fund so it is too early to come to any conclusion concerning its merits. H...
by grok87
Fri Apr 18, 2014 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Global Minimum Volatility Fund
Replies: 6
Views: 565

Re: Help me find a good slow cooker

i have this one http://www.overstock.com/Home-Garden/Rival-SCVP600SS-6-quart-Oval-Programmable-Smart-pot-Slow-Cooker/5625466/product.html Rival SCVP600SS 6-quart Oval Programmable Smart-pot Slow Cooker i've had it for a while- 5 years maybe or more and have been very happy with it. i think i got it ...
by grok87
Fri Apr 18, 2014 8:27 am
 
Forum: Personal Consumer Issues
Topic: Help me find a good slow cooker
Replies: 27
Views: 1263

Re: Bogleheads 2014 Hedge fund contest

hmm...in 3rd place, almost 2nd.
looks like i have a shot at winning this thing this year!
feeling a irresistible urge to shop at radio-shack and buy their shares...
by grok87
Fri Apr 18, 2014 8:15 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: Did not have fun this year doing my taxes- TT

I agree. I'm getting increasingly worried about TurboTax. Next year I think I will do my taxes both in TurboTax and TaxCut and then switch to Taxcut the following year.
by grok87
Thu Apr 17, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Did not have fun this year doing my taxes- TT
Replies: 42
Views: 3871

Re: Math challenged

Let me add my favorite investment fee effects calculator to the mix. http://www.buyupside.com/calculators/feesdec07.htm JW I'm just beginning to collect calculators. The following is one of my favorites. http://www.bankrate.com/calculators/savings/save-million-calculator.aspx Welcome to the forum, ...
by grok87
Mon Apr 14, 2014 8:25 pm
 
Forum: Investing - Theory, News & General
Topic: Math challenged
Replies: 18
Views: 1437

Re: Math challenged

Thanks for the replies! It's totally amazing how such a small number can translate into such a huge loss over a period of years. I'm kicking myself that I didn't realize sooner my husband could do a rollover from his 401k prior to retiring. I love the expense ratio calculator! Simple and easy for m...
by grok87
Mon Apr 14, 2014 7:46 pm
 
Forum: Investing - Theory, News & General
Topic: Math challenged
Replies: 18
Views: 1437

Re: Should I see Frozen?

I have to agree with ThatGuy. The music, the production, everything about Frozen is just amazing. The story, however, is very lacking. There is a good discussing of the writing of the story on wikipedia http://en.wikipedia.org/wiki/Frozen_%282013_film%29#Writing One major breakthrough was the compo...
by grok87
Sun Apr 06, 2014 2:43 pm
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1741

Re: Fidelity Bond Fund Question

One may wish to do some more research. It is possible that other Fidelity funds purchased via brokeragelink will not cost $75. In particular, FSITX and some other Spartan Advantage index funds are really the equivalents of index funds at Vanguard. They may have no purchase fees. And FSEVX and other...
by grok87
Sun Apr 06, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Question
Replies: 8
Views: 696

Re: Should I see Frozen?

Biffer wrote:Nice link, Grok. Kristen Bell is indeed quite talented. And that "Adele Dazeem" isn't half bad either...

Thanks Biffer. I like this one too.
http://www.youtube.com/watch?v=51RL0nUKe6U
by grok87
Sun Apr 06, 2014 11:44 am
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1741

Should I see Frozen?

For those wondering whether to buy a ticket to see Frozen, here is a preview with the amazing Kristen Bell live!
http://www.youtube.com/watch?v=196p1BQvuPQ
cheers,
by grok87
Sat Apr 05, 2014 4:46 pm
 
Forum: Personal Consumer Issues
Topic: Should I see Frozen?
Replies: 16
Views: 1741

Re: Fidelity Bond Fund Question

Please don't ignore the stable value fund. It might be just the thing to use for this money … especially over the near term. Some stable value funds are paying a higher yield than the total bond index fund and are much less likey to drop in value. Another option I am thinking of is moving funds fro...
by grok87
Sat Apr 05, 2014 12:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Bond Fund Question
Replies: 8
Views: 696

Re: Lump Sum vs annuity

The use of a "risk free" discount rate that is a product of manipulated markets to calcualate the value of an asset, the "purchase" of which is irreversible, that could have a 40 year life, or more, is not entirely useful Al , say what :confused yeah I'm having trouble following...
by grok87
Thu Apr 03, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs annuity
Replies: 17
Views: 1093

Re: Lump Sum vs annuity

New to the this site and board. Appreciate the good information and advice. I'm 53 years old just received a notice from a former employer that I have the option of receiving a lump sum payout of a frozen pension account of $48,871 payable in June. My other two options would be to wait till my norm...
by grok87
Wed Apr 02, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Lump Sum vs annuity
Replies: 17
Views: 1093

Re: Bogleheads 2014 Hedge fund contest

LadyGeek wrote:It's time for the first quarter results: Bogleheads 2014 Hedge Fund Contest :: Fund List

I'm in the top 12.

Congratulations! More than double VTI!
by grok87
Tue Apr 01, 2014 7:54 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: [New 8th Circuit Ruling Striking Down High 401K Fees]

For what it's worth, the 8th circuit actually reversed the district court's finding with respect to investment options (the plan replaced Wellington with some Fidelity lifecycle funds). The breach of fiduciary duty was actually in overpaying for recordkeeping and allowing Fidelity to make too much ...
by grok87
Mon Mar 31, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: [New 8th Circuit Ruling Striking Down High 401K Fees]
Replies: 44
Views: 2475

Re: Over a few decades, will TBM returns equal TIPS?

Maybe you will zig and zag over risk factors back to equality, but who can say? I completely agree. Take another example. Let's go back in time to 1913. And let's consider the argument of investing in US vs. Argentinian stocks. http://en.wikipedia.org/wiki/Economic_history_of_Argentina in 1913 Arge...
by grok87
Sun Mar 30, 2014 11:41 pm
 
Forum: Investing - Theory, News & General
Topic: Over a few decades, will TBM returns equal TIPS?
Replies: 30
Views: 1987

Re: [New 8th Circuit Ruling Striking Down High 401K Fees]

going forward this is what i think will happen: 1) the distinction between retail class shares and institutional class shares is not really meaningful. Vanguard for example has very low expense ratios for retail class index funds. Are these bad to have in a 401k plan? there are institutional class s...
by grok87
Sun Mar 30, 2014 2:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: [New 8th Circuit Ruling Striking Down High 401K Fees]
Replies: 44
Views: 2475

Re: Bogleheads 2014 Hedge fund contest

Congrats! Care to share how you picked your longs and shorts? cheers, Sure... I thought, " What would an aggressive stock be? " ... glanced at the list of stocks and saw WWE (World Wrestling Entertainment).. laughed and decided that was " aggressive "... the others stocks were a...
by grok87
Sat Mar 29, 2014 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: Advanced Car Buying Techniques

I'm going to be buying a new car, likely a Honda, soon. I really appreciate this thread.
by grok87
Sat Mar 29, 2014 11:38 am
 
Forum: Personal Consumer Issues
Topic: Advanced Car Buying Techniques
Replies: 16
Views: 2088

Re: Over a few decades, will TBM returns equal TIPS?

I also believe in the EMH (is that what OP meant by macroeconomic theory?) and I believe over decades TIPS should return about the same. Less because they have less inflation risk. More as a liquidity premium because they are less liquid than nominal bonds. Perhaps about a wash overall. Hi dickenjb...
by grok87
Sat Mar 29, 2014 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Over a few decades, will TBM returns equal TIPS?
Replies: 30
Views: 1987

Re: Bogleheads 2014 Hedge fund contest

JoMoney wrote:Bumping the thread while I bask in the fleeting glory of being on top at this moment in time... :D
http://libra-investments.com/hf/bh.html

Congrats!
Care to share how you picked your longs and shorts?
cheers,
by grok87
Sat Mar 29, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: Bogleheads 2014 Hedge fund contest
Replies: 131
Views: 8553

Re: Project Euler (math related)

I fooled around with it for a while but reached the same conclusions as the consensus in the posts above. It's basically a website for programmers. If you read the discussions on the solutions its all about- " I programmed the solution in C and used 10 lines of code" "Oh yeah I progra...
by grok87
Wed Mar 26, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1098

Re: I bought a rosé this week...

I bought an $80 pillow. Paging Mr. Petrocelli...... RM Yes? I think you are being called into give some perspective on market timer's $80 pillow purchase based upon your purchase of a multi-thousand dollar watch. Or something... I wear an $89 watch. I did get a new 2014 C250 Mercedes this week, how...
by grok87
Wed Mar 26, 2014 3:58 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3508

Re: TIPS yield stairstep increase

THere are weird seasonality effects with inflation. That may account for the difference between the july and january maturity. our very own the finance buff, tfb has a piece out on this http://thefinancebuff.com/cpi-seasonal-adjustments.html maybe he'll chime in. remember there is unlikely to be a ...
by grok87
Tue Mar 25, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS yield stairstep increase
Replies: 13
Views: 1527

Re: I bought a rosé this week...

market timer wrote:I bought an $80 pillow.

what did you get? i really like this one (buckwheat hull)
http://www.amazon.com/Organic-Buckwheat ... B0006HVVFK
by grok87
Tue Mar 25, 2014 9:22 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3508

Re: I bought a rosé this week...

Petrocelli wrote:
Random Musings wrote:
market timer wrote:I bought an $80 pillow.


Paging Mr. Petrocelli......

RM


Yes?

I think you are being called into give some perspective on market timer's $80 pillow purchase based upon your purchase of a multi-thousand dollar watch.
Or something...
by grok87
Tue Mar 25, 2014 9:16 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3508

Re: TIPS yield stairstep increase

So we have no explanation for the non-smooth increase in rates. Maybe people just prefer bonds maturing in Jan instead of July :? It's actually the July maturity that the market seems to prefer. I can't explain it. If a January & July maturing in the same year have about the same yield -- not a...
by grok87
Thu Mar 20, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS yield stairstep increase
Replies: 13
Views: 1527

Re: TIPS yield stairstep increase

1) ... In general bond yields increase with duration. I've long thought that yields should increase with duration. But I don't think the following figures * really back that up. The next to right column shows the increase in yield per year of added life. The far right column shows the increase in y...
by grok87
Wed Mar 19, 2014 6:43 am
 
Forum: Investing - Theory, News & General
Topic: TIPS yield stairstep increase
Replies: 13
Views: 1527

Re: I bought a rosé this week...

Because life is short. Had never bought a rosé before... Julia's Dazzle Pinot Grigio rosé at Costco for a pretty good price, $13 or something. It's nice, refreshing, not very complex, but good for the milder spring weather we've been having. At work and in my personal life recently I've seen too mu...
by grok87
Tue Mar 18, 2014 10:50 pm
 
Forum: Personal Consumer Issues
Topic: I bought a rosé this week...
Replies: 35
Views: 3508

Re: TIPS yield stairstep increase

Can someone explain the stairstep rise in yield for TIPS maturing 2021-2024? The yld increases very little from 1/15/22 to 7/15/22, and actually decreases from 1/15/23 to 7/15/23. This data is from fidelity, but the quotes from VG show the same trend. Year to year the increase is ~0.15% Coupon Matu...
by grok87
Tue Mar 18, 2014 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS yield stairstep increase
Replies: 13
Views: 1527

Re: How many Bogleheads are Wishy Washy?

greg24 wrote:I dunno.

meh.
by grok87
Wed Mar 12, 2014 7:51 pm
 
Forum: Investing - Theory, News & General
Topic: How many Bogleheads are Wishy Washy?
Replies: 44
Views: 4103

Re: TIPS ladder, how to fill in the gap years?

This thread has really made me think & read up some more... Another aspect of holding TIPS in taxable, is the inflation adjustments are treated as income every year. E.g. if you buy $100K worth of TIPS 30 years out, and 10 years from now there are years of , say 6% inflation, then each year you...
by grok87
Tue Mar 11, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS ladder, how to fill in the gap years?
Replies: 20
Views: 1200

Re: Alternatives to paying full real estate commissions?

Hi tidalwave, I've been thru this recently so here is my advice. 1) first of all the standard realtor commission is now 5%. Not 6 or 7. Even 5% is crazy and you want to Try to do better, more below, but that is definitely the starting point. Show any realtor the door who says they want 6 or 7. 2) as...
by grok87
Tue Mar 11, 2014 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Alternatives to paying full real estate commissions?
Replies: 31
Views: 2443

Re: 30 yr TIPs auction announced 2/13- any takers?

I've been buying the 30 year tips at auction the past few years. Looks like this year I didn't quite buy enough to hit my target with how well the stock market has been doing. Is there any advantage to buying the June auction versus buying in the secondary market? Is there any difference in the bas...
by grok87
Mon Mar 10, 2014 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7546

Re: TIPS ladder, how to fill in the gap years?

Thanks, had missed that other thread from a month ago. Several folks think that TIPS are not such a good option right now. I suppose it depends on expectations for that part of your savings. The 30 year TIPS maturing in 2042 carry a coupon rate of 0.75% and have a market discount of 15%. Which mean...
by grok87
Sun Mar 09, 2014 11:45 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS ladder, how to fill in the gap years?
Replies: 20
Views: 1200

Re: Do billionaires need umbrella insurance?

I think buying $1 billion or more in umbrella insurance would be pretty expensive, as one claim could hurt the insurer financially. I imagine most people with that amount of money have sufficient jurisdictional diversification not to have to worry about lawsuits too much. Fist of all let's make the...
by grok87
Sat Mar 08, 2014 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Do billionaires need umbrella insurance?
Replies: 16
Views: 1843

Re: 30 yr TIPs auction announced 2/13- any takers?

market timers can rejoice this one. Wow. Up 4% in a few days!? grok, however many you bought or didn't buy, I can promise you that it is me that should have bought more! I did it to see how it worked. didn't realize it was a get rich quick scheme. :) thanks. my vanguard account shows that they were...
by grok87
Tue Mar 04, 2014 10:28 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7546

Re: 30 yr TIPs auction announced 2/13- any takers?

market timers can rejoice this one. Wow. Up 4% in a few days!? grok, however many you bought or didn't buy, I can promise you that it is me that should have bought more! I did it to see how it worked. didn't realize it was a get rich quick scheme. :) thanks. my vanguard account shows that they were...
by grok87
Tue Mar 04, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 2/13- any takers?
Replies: 128
Views: 7546

Re: need help with shades/blinds

btenny wrote: But beware custom drapes are expensive and shutters are very expensive especially if they are custom made to fit odd sized windows.

Good Luck.

yeah that's what i'm afraid of!
by grok87
Mon Mar 03, 2014 12:23 am
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 638

Re: need help with shades/blinds

so that exactly it, i have some irregulary shaped high windows. some are triangles some are rhombuses. so how do you open and close the shutters on those high windows. and how do you fit the irregular shapes? We have some high, tall windows with triangular and odd quadrilateral pieces and got Hunte...
by grok87
Mon Mar 03, 2014 12:22 am
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 638

Re: need help with shades/blinds

thanks scone- i will check out kalwall. I think what i am really looking for is "smart window film". not sure if that exists yet. I don't think they've put the "smart" materials into larger glass panels like house windows yet, if you meant something like your original link. The ...
by grok87
Mon Mar 03, 2014 12:20 am
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 638

Re: need help with shades/blinds

Grok, I have two suggestions. 1. I have solid wooden 2 inch wide shutters in my home in Arizona on almost all the windows. These are retangular in shape and made in panels. Each panel has grouped slates that slide up to close and down to open. The full panels can also be opened like doors to access...
by grok87
Sun Mar 02, 2014 5:51 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 638

Re: need help with shades/blinds

There is "smart glass," aka switchable window material available, but that's not cheap. There's also KalWall, which is a translucent skylight material which insulates very well compared to glass. A simple blind will do the job, or even a window film. The film will yellow over time, as wil...
by grok87
Sun Mar 02, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: need help with shades/blinds
Replies: 13
Views: 638
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