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Re: Insurance Discount for Taking Smart Driver Course

The best, easiest GEICO offering remains the 8% discount for owning a single share of BRKb. It applies in all 50 states, although it may require some perseverance with phone representatives to secure it. Is the 8% discount on top of all other discounts that already apply (alumni association, etc.)?...
by gt4715b
Fri Apr 10, 2015 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Insurance Discount for Taking Smart Driver Course
Replies: 6
Views: 523

Re: Best structure for setting aside 10 years of travel expe

I agree with some of the other posts. Travel expenses are just like other expenses, UNLESS you're talking about some type of currency hedging. But that's an extremely difficult thing to attempt especially multiple years out. I would do nothing besides manage your asset allocation as normal.
by gt4715b
Sat Mar 14, 2015 2:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best structure for setting aside 10 years of travel expenses
Replies: 13
Views: 1385

Website for stock/ETF moving average notifications

I'm looking for a website (free) that I can use that would send me notifications when a ticker symbol crosses an arbitrary moving average (say 48 days). My Schwab acct does this but only for fixed MA (15,30,60 days).
by gt4715b
Thu Mar 12, 2015 9:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Website for stock/ETF moving average notifications
Replies: 0
Views: 106

Re: TradingPlaces' advice on travel awards

Is there any consensus as to how soon one should use up miles once they are earned? only a rule of thumb, obviously. I am new to this and not familiar with how they devalue and over what time period. Thank you. I think the general advice is to earn them with a specific trip in mind, but the main po...
by gt4715b
Sun Mar 01, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 222
Views: 76528

Re: TradingPlaces' advice on travel awards

VictoriaF, thanks for your posts. I'm learning a lot about this stuff and probably should have been doing it earlier since I travel a lot for pleasure. I have a couple of questions. 1. If I want to build up United miles but don't have a business it seems like there are 2 cards that I could use to ge...
by gt4715b
Sun Mar 01, 2015 10:23 am
 
Forum: Personal Consumer Issues
Topic: TradingPlaces' advice on travel awards
Replies: 222
Views: 76528

Re: Website for "where can I fly" search

Thanks! The kayak/direct tool is exactly what I was looking for.
by gt4715b
Fri Feb 20, 2015 2:26 pm
 
Forum: Personal Consumer Issues
Topic: Website for "where can I fly" search
Replies: 5
Views: 409

Website for "where can I fly" search

I'm looking for a website where I can see all the destinations to/from a given airport. For example, if i want to fly to Pula, Croatia what are my best options? I know I can search each possible city combination but this is time consuming.
by gt4715b
Fri Feb 20, 2015 1:11 pm
 
Forum: Personal Consumer Issues
Topic: Website for "where can I fly" search
Replies: 5
Views: 409

Re: Tim Horton shareholder - what to do about Burger King Me

I took the shares mainly to avoid a taxable event, especially since my cost basis is close to zero. The consideration on one hand is would I be able to invest the cash proceeds with a higher compound growth rate than the Burger King shares. On the other hand, by taking the shares I get tax-free grow...
by gt4715b
Sun Nov 30, 2014 12:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tim Horton shareholder - what to do about Burger King Merger
Replies: 14
Views: 2181

Re: Any European skiing experts???

i really don't need world class skiing, since I would just kill myself on anything more than a bunny slope. If Kitzbuhel is a hard-core ski zone, it wouldn't be for me.
by gt4715b
Sun Nov 16, 2014 7:52 pm
 
Forum: Personal Consumer Issues
Topic: Any European skiing experts???
Replies: 9
Views: 1144

Re: Any European skiing experts???

It would really make my trip easier if Innsbruck has an apres-ski as good or better than Aosta, since Innsbruck is directly along the travel route to where I'm going in Italy.
by gt4715b
Sun Nov 16, 2014 7:17 pm
 
Forum: Personal Consumer Issues
Topic: Any European skiing experts???
Replies: 9
Views: 1144

Any European skiing experts???

I'm going to Europe in late December. The plan is to visit Munich and Salzburg before Christmas for the Christmas markets and then heading to Italy for the week between Christmas and New Years. Since I'm assuming everything will be shut down Dec. 24-26 (I think the 26 is a holiday in Italy) I figure...
by gt4715b
Sun Nov 16, 2014 7:09 pm
 
Forum: Personal Consumer Issues
Topic: Any European skiing experts???
Replies: 9
Views: 1144

Re: Momentum Effects on Commonly Used Funds

Couple thoughts: 1. 5 years is too short a time period to draw conclusions about correlations between factors, especially given that the last 5 years have been a strong bull market. 2. The inverse loading relationship between value and momentum is more pronounced for deeper value portfolios. If you ...
by gt4715b
Sat Oct 11, 2014 10:44 pm
 
Forum: Investing - Theory, News & General
Topic: Momentum Effects on Commonly Used Funds
Replies: 2
Views: 460

Re: New B of A visa chip card, no pin needed?

I just received my renewed Visa card from B of A. It now has a chip in it, which they say offers more security. However, it is still a "swipe" and sign card. The literature says that if we use it outside the U.S., to "simply tell the merchant your card only requires a signature"...
by gt4715b
Tue Oct 07, 2014 7:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: New B of A visa chip card, no pin needed?
Replies: 35
Views: 2906

Re: Should small-value investors be buying small value now?

They are separate issues. You get the small/value premia by holding funds that have positive loadings on those factors. Rebalancing is done so that you maintain your desired portfolio loading. There may be a bonus associated with rebalancing, but I wouldn't include it as part of my expected return. ...
by gt4715b
Sun Oct 05, 2014 10:13 am
 
Forum: Investing - Theory, News & General
Topic: Should small-value investors be buying small value now?
Replies: 14
Views: 2130

Re: Question: How to Design an Aggressive 2 Year Portfolio?

Thank you for the link and the analysis. I am skeptical of the PE10 stuff, or any "smoothed" earnings that include late 2008 and early 2009. Shaughnessy's analysis takes February 2009 as its base, and that is a very distorted time period. For Shiller's PE10 to be meaningful as a future pr...
by gt4715b
Sat Sep 06, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Question: How to Design an Aggressive 2 Year Portfolio?
Replies: 30
Views: 1496

Re: Question: How to Design an Aggressive 2 Year Portfolio?

Thank you for your thoughts about this. I agree that the 2 year horizon makes the selections relatively regime-dependent, as you term it, and that is a key idea. But I am not looking for a portfolio that might offer the absolute MAXIMUM return, but one that offers the best probability of 25% over t...
by gt4715b
Sat Sep 06, 2014 10:03 pm
 
Forum: Investing - Theory, News & General
Topic: Question: How to Design an Aggressive 2 Year Portfolio?
Replies: 30
Views: 1496

Re: Question: How to Design an Aggressive 2 Year Portfolio?

Your 2 year time horizon means that your portfolio has to be highly regime dependent, meaning you have to examine where the markets are. To me, given that the US stock market is by most measures overvalued I would stay away from it. I would try to go with value and hope that you get the returns. I w...
by gt4715b
Sat Sep 06, 2014 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Question: How to Design an Aggressive 2 Year Portfolio?
Replies: 30
Views: 1496

Re: Will Bill Gross beat the Total Bond Market Index?

Active bond funds are a horrible idea. Between the fact that there just isn't a lot of room to achieve outsize returns over the long term (such a large portion of the return comes from income) and the higher expense ratio, you'll never come out ahead. If you believe interest rates will be higher in ...
by gt4715b
Mon Sep 01, 2014 4:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6247

Re: DFA-RAFI & factor diversification within 30:30:40 portfo

Great work Robert as always. Couple questions: 1. I know you use the 30:30:40 portfolio to meet your personal factor loading targets but do you think that omitting the mid value would yield a more efficient portfolio, say something like 35:65 MTUM:PSXV? 2. What are your current thoughts regarding in...
by gt4715b
Mon Sep 01, 2014 10:19 am
 
Forum: Investing - Theory, News & General
Topic: DFA-RAFI & factor diversification within 30:30:40 portfolio
Replies: 17
Views: 3326

Re: Zegna Suits

Just to clarify, these aren't my rankings but rather the Styleforum folks. Also, the COMBINED sales of all of these suits probably make up <3% of suits sold, so what they're calling mediocre is in reality a darn good suit. At this point you should just get it especially since you don't have much tim...
by gt4715b
Sun Aug 24, 2014 8:47 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 11267

Re: Zegna Suits

Just to give you an idea, here is a suit hierarchy from Styleforum.net which is full of people that obsess over this stuff. I don't have any real knowledge of that end of the market (I'm fine with one of the higher end SuitSupply suits) but my feel is that Zegna is probably at point where you're sti...
by gt4715b
Sun Aug 24, 2014 8:33 pm
 
Forum: Personal Consumer Issues
Topic: Zegna Suits
Replies: 197
Views: 11267

Re: How do I calculate profitability using online data?

I just want to look at the distribution of profitability for say the S&P 500 so I need to compute it directly. Doing the regressions isn't usually considered valid at the individual security level.
by gt4715b
Sun Aug 10, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: How do I calculate profitability using online data?
Replies: 8
Views: 656

Re: How do I calculate profitability using online data?

I'm specifically interested in the profitability metric since it is one of the factors being examined in the literature. As far SEC database, this won't work because I need it to be in chart form so that I can extract the data automatically.
by gt4715b
Sun Aug 10, 2014 2:08 pm
 
Forum: Investing - Theory, News & General
Topic: How do I calculate profitability using online data?
Replies: 8
Views: 656

How do I calculate profitability using online data?

I'm trying to calculate the profitability factor as defined in the Robert Novy-Marx paper from the free online data sources like Yahoo Finance, Google Finance or Bloomberg. I'm not a business type so all the accounting terms are kind of confusing to me. I think the general idea is just gross profits...
by gt4715b
Sun Aug 10, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: How do I calculate profitability using online data?
Replies: 8
Views: 656

Great long-term reliability data for used cars

I came across this website and I think that what they're trying to do will help used car buyers immensely. We all kind of know the more reliable and less reliable brands but this will put hard data to those assumptions. The basic idea is this guy who works in the car auction business collects inspec...
by gt4715b
Sun Jun 15, 2014 8:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Great long-term reliability data for used cars
Replies: 3
Views: 645

Re: Cambria Global Value - Value Tilt

I've been examining this idea for awhile now and it's very interesting indeed. For context about the 99 stocks issue I looked at the number of stocks in the MSCI Large/Mid Cap indices (85% of market universe) for the countries he's invested in to see how many stocks are available: Brazil 75 Ireland ...
by gt4715b
Sat May 24, 2014 8:57 am
 
Forum: Investing - Theory, News & General
Topic: Cambria Global Value - Value Tilt
Replies: 44
Views: 5549

Anybody really good with GPS logging for travel?

I have a GPS Logger, one of the GStarz units to be specific. The logger itself works great, but I'm having trouble on the software side. I like to be able to manipulate the data to find things like the total amount of time I walked in a day and the total distance, etc. I just leave the logger on all...
by gt4715b
Fri May 16, 2014 6:01 pm
 
Forum: Personal Consumer Issues
Topic: Anybody really good with GPS logging for travel?
Replies: 0
Views: 167

How to manage credit card cycle

I have a question about how the credit card billing cycle works if you want to pay off your bill each month and avoid interest payments. Is it true that as long as you pay the entire statement balance on your bill by the due date each that it doesn't matter what charges you make until the next billi...
by gt4715b
Tue Dec 10, 2013 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to manage credit card cycle
Replies: 5
Views: 910

Re: Where to go in Europe in the Winter?

The previous responses have the right idea. Between the cold weather and the short days if your main goal is exploring, northern Europe is not a good option. If you were going before Christmas the Christmas markets in Germany/Austria would probably be worthwhile, but otherwise go south. Imagine aski...
by gt4715b
Sat Oct 26, 2013 4:06 pm
 
Forum: Personal Consumer Issues
Topic: Where to go in Europe in the Winter?
Replies: 20
Views: 1538

Re: Total world investing - "owning the market"

Because any other allocation is basically a tilt away from the market portfolio. The logical extension of "owning the market" in a given asset class is to own the market across the different asset classes as well. You're letting the tail wag the dog. We don't invest to hold a market portf...
by gt4715b
Tue Aug 27, 2013 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Total world investing - "owning the market"
Replies: 23
Views: 2931

Re: Drying clothes in the sun - worth the hassle?

I'll just add that my clothes look a lot newer from air (or sun) drying than using the dryer. The lint is all the damage done to your clothes, getting frayed out. I wonder if it's really the washer that causes the damage to the clothes. Maybe dryers are just more efficient in removing the damage (l...
by gt4715b
Sun Aug 25, 2013 10:53 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 7205

Re: Drying clothes in the sun - worth the hassle?

Some thoughts: 1. Isn't the UV from sunlight as harsh on clothes as a drier used wisely (low heat)? UV light can definitely fade colors pretty quickly in my experience. 2. Newer, fast spinning washers make indoor rack drying the best option in my opinion. The clothes come out almost dry. 3. If you l...
by gt4715b
Sun Aug 25, 2013 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Drying clothes in the sun - worth the hassle?
Replies: 86
Views: 7205

Re: Dremel variable speed rotary tool

I personally would get a high quality tool, like the Dremel, that will last you instead of trying to get one of the cheaper rotary tools. The rotary tool in general comes in handy more times than you would think. I used mine to cut 1 inch glass tile for my kitchen backsplash which would have been ha...
by gt4715b
Wed Aug 21, 2013 8:00 pm
 
Forum: Personal Consumer Issues
Topic: Dremel variable speed rotary tool
Replies: 15
Views: 901

Re: Best way to legally pay a baby sitter

As wilked noted you are paying your mother-in-law under the market rate, probably enough that it's still cheaper than paying the market rate and then trying to get reimbursed. Why not be happy that your child will be cared for by a loving relative for less than a formal childcare provider and call i...
by gt4715b
Thu Jun 20, 2013 6:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Best way to legally pay a baby sitter
Replies: 24
Views: 2906

Re: Your worst financial habit

Not budgeting for my food/beverage consumption, by far. I'm pretty good with other aspects but can't seem to come up with a good mechanism for limiting my spending in this area.
by gt4715b
Fri Jun 14, 2013 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Your worst financial habit
Replies: 84
Views: 11075

Re: Good place to travel in July?

- Chile (off season) - Argentina (off season) - Iceland (peak but still not crowded) - Cape Breton Nova Scotia (peak but still not crowded). These are some of the nicest places to visit on the planet. This close to the travel dates flights for Iceland are way too expensive, around $1500. The same a...
by gt4715b
Sun Jun 09, 2013 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Good place to travel in July?
Replies: 24
Views: 1731

Re: Good place to travel in July?

Thanks for the replies. Forget about the budget part. That was mainly to discourage people from saying, hey Fuji is really nice this time of year. I'm thinking going up north is going to be the best option. Nice summertime weather without being too hot. What about Olympic National Park? I think that...
by gt4715b
Sun Jun 09, 2013 1:06 pm
 
Forum: Personal Consumer Issues
Topic: Good place to travel in July?
Replies: 24
Views: 1731

Good place to travel in July?

I'm looking for a place to travel in early July. However, I'm a little out of ideas since a lot of the places on my list are not great to visit in July. I'm looking for a place, in the US or internationally that: 1. Is not in its high season, meaning not lots of tourists. 2. Experiences daytime temp...
by gt4715b
Sun Jun 09, 2013 7:42 am
 
Forum: Personal Consumer Issues
Topic: Good place to travel in July?
Replies: 24
Views: 1731

Re: Vanguard Should Have Passive Funds, Without Indexes

You're really saying "blind adherence to an index has costs" not "using an index hurts". I don't think trading costs and liquidity costs are an issues except for microcaps (>99% of market cap space). DFA is heavily invest in the microcap area both in the US and internationally. I...
by gt4715b
Fri May 17, 2013 5:48 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Should Have Passive Funds, Without Indexes
Replies: 13
Views: 1319

Re: 3 day wait for rebalancing

They're waiting until the ETF trades settle, i.e, you actually get the money from the person you sold your ETFs to. This takes 3 business days. This is normal.
by gt4715b
Wed May 15, 2013 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3 day wait for rebalancing
Replies: 7
Views: 673

Re: The new profitability factor, US and int'l evidence

I've been using book value in the accounting sense (as should have been clear from my posts): "In accounting, book value or carrying value is the value of an asset according to its balance sheet account balance. For assets, the value is based on the original cost of the asset less any deprecia...
by gt4715b
Wed May 15, 2013 7:29 am
 
Forum: Investing - Theory, News & General
Topic: The new profitability factor, US and int'l evidence
Replies: 169
Views: 12779

Re: Source for P/B data for foreign stocks?

Thanks. For the time being I think I can use Bloomberg for what I'm looking to do. By the way, for P/B, P/E and dividend yield for entire markets I use MSCI factsheets which are updated monthly (a couple of business days after month-end). The iShares ETF data don't match and are strangely higher for...
by gt4715b
Sat May 11, 2013 2:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Source for P/B data for foreign stocks?
Replies: 5
Views: 393

Source for P/B data for foreign stocks?

I'm trying to find a good, reliable source for basic financial data (P/B,P/E, dividend yield, etc.) for foreign equities including those that don't have ADRs in the US. I guess the de-facto sources are Bloomberg and Yahoo, but I was wondering if there was anything better. It doesn't have to be a fre...
by gt4715b
Fri May 10, 2013 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Source for P/B data for foreign stocks?
Replies: 5
Views: 393

Re: Use "promo codes" to save money

You may want to also consider the Honey extension for Chrome. It is helpful on certain sites, like Amazon (so browse to Amazon using the Bogleheads referral link, select your products, then at checkout, have Honey automatically check for coupon codes). http://joinhoney.com/ Good link, thanks. The w...
by gt4715b
Sun May 05, 2013 8:25 am
 
Forum: Personal Consumer Issues
Topic: Use "promo codes" to save money
Replies: 12
Views: 4001

Re: Vanguard Total INTL - the right amount of Emerging?

VGTSX contains the market weighting of Emerging Markets with respect to all international(non-US) Markets. You won't have the "worldwide" or global weighting for EM because you're holding 50/50 US/International which slightly overweights the US. The US market weight is 47.4% as of last mon...
by gt4715b
Tue Apr 30, 2013 12:11 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total INTL - the right amount of Emerging?
Replies: 7
Views: 1432

Re: "Minimize Fat-Tails" Portfolio Question

Larry, The factors of value and size ARE included in the total market portfolio and they help make up “market beta”. They are held in the same proportion as they exist “in total” of all marketable securities. Now if we follow your suggestion and add more (tilt/overweight) SCV we will pick up more s...
by gt4715b
Mon Apr 29, 2013 10:57 am
 
Forum: Investing - Theory, News & General
Topic: "Minimize Fat-Tails" Portfolio Question
Replies: 35
Views: 3329

Re: Roll out initial investments over how long time?

I would probably split the difference, investing immediately in the bond and international equity portion of your portfolio and then DCA-ing the US equity portion, where valuations are higher.
by gt4715b
Sat Apr 27, 2013 7:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Roll out initial investments over how long time?
Replies: 20
Views: 965

Re: "value factor" doesn't seem reliable to me

I understand that, but I have a problem with the underlying assumption that we know the fundamentals. And if we don't know the fundamentals we can't isolate the stocks that are priced low relative to the fundamentals. Book value at its very basic is assets minus liabilities. Putting aside financial...
by gt4715b
Thu Apr 18, 2013 9:14 am
 
Forum: Investing - Theory, News & General
Topic: "value factor" doesn't seem reliable to me
Replies: 66
Views: 3973

Re: Help me manage a $7 million portfolio.

Your proposed asset allocation is way too aggressive for the situation. A 90/10 portfolio would have lost about 50% in 2008-2009. Would your mother really be able to handle seeing the portfolio drop to $3.5 million? I doubt it and you would end up selling out during the market downturn and decimatin...
by gt4715b
Tue Apr 16, 2013 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help me manage a $7 million portfolio.
Replies: 105
Views: 14565

Re: One night hotel stay in D.C.

DC is expensive. Hotels there don't often offer discounts because they don't have to; their rooms are full regardless of discounts. That being said, you should be able to find a good room for less than $400. Try the Grand Hyatt. It's a huge conference hotel, but I've had luck finding rooms there fo...
by gt4715b
Wed Apr 10, 2013 3:00 pm
 
Forum: Personal Consumer Issues
Topic: One night hotel stay in D.C.
Replies: 42
Views: 3036
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