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Re: Mortgage = negative bond, Rent = negative income?

Taxonomy 101 says that all classifications are teleological. Teleology is the study of human intentions. What is the purpose of your classification? Reification is the error of treating the classification as if it attaches to the object rather than to the purpose. For example Elephants, Rhinos, and...
by keanwood
Tue Apr 22, 2014 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Mortgage = negative bond, Rent = negative income?
Replies: 6
Views: 849

Re: How to avoid ads and not get tracked

I hate ads as much as the next guy but I have never used ad blocking software ( I certainly have the computer know how to block them if I choose to). I feel that blocking ads is the equivalent of theft. No one on this forum would advocate stealing a candy bar from the store but somehow blocking ads ...
by keanwood
Sat Apr 19, 2014 5:39 pm
 
Forum: Personal Consumer Issues
Topic: How to avoid ads and not get tracked
Replies: 49
Views: 2755

Re: Looking For Monthly Total Return Data

If you End up getting all of this data could you send a copy to me? It would help me with another project I am working on to make a tool for inflation adjusted total return graphs.The data that I have found for individual funds only goes back to 1980 (most funds are not that old anyways). I would lo...
by keanwood
Wed Apr 16, 2014 9:02 pm
 
Forum: Investing - Theory, News & General
Topic: Looking For Monthly Total Return Data
Replies: 2
Views: 258

Re: Inflation adjusted charts and historical fund data.

Okay so I did some more digging on Yahoo finance and it looks like they provide historical data back until 1980. But I ran into a small problem. For VWELX (wellington) Yahoo shows an adjusted(dividends and splits) close on 9/30/1980 of 1.11 and a adjusted close on 3/31/2014 of 38.59. I checked the g...
by keanwood
Wed Apr 16, 2014 7:20 am
 
Forum: Investing - Theory, News & General
Topic: Inflation adjusted charts and historical fund data.
Replies: 3
Views: 334

Re: Japan Does not Show That Stocks are Dangerous

Also for Japan you have to take Deflation into account. Those 1980 Yen are LESS than 2011 Yen. If this website is accurate http://www.measuringworth.com/japancompare/result.php In 2011, 1.00 ¥ from 1980 is worth: 1.29 ¥ using the Consumer Price Index 1.02 ¥ using the GDP deflator 1.58 ¥ using the av...
by keanwood
Tue Apr 15, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Japan Does not Show That Stocks are Dangerous
Replies: 79
Views: 4120

Re: Inflation adjusted charts and historical fund data.

Morningstar lets you choose a couple of dozen currencies and does currency conversion, I wonder why they can't include constant dollars as one such "currency?" It would be trivial for Morningstar to add to their charting tools. I just assume the financial industry does not want the averag...
by keanwood
Tue Apr 15, 2014 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation adjusted charts and historical fund data.
Replies: 3
Views: 334

Inflation adjusted charts and historical fund data.

I was wondering if anyone knows where I can find inflation adjusted total returns for different mutual funds. I searched the forum and all I found was one chart of the S&P500 and one chart of cash, gold, long term bonds, T bills and stock going back to 1890 or so. If anyone knows where I can fin...
by keanwood
Tue Apr 15, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Inflation adjusted charts and historical fund data.
Replies: 3
Views: 334

Re: gold , silver, copper and uranium only

ogd wrote:They are literally like twin brothers. It's just pure luck that one or the other received a few more neutrons and was able to get a nice job for a few millenia as a result.


Neutrons? I was under the impression that it was the Protons that make gold be gold.


--Keanwood
by keanwood
Sun Apr 13, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: gold , silver, copper and uranium only
Replies: 46
Views: 2244

Re: Getting Passport without specific travel plans?

Just say you might travel to Canada from time to time. You don't need to be specific. Surely I am not the only one who put down Iraq, Yemen, Syria, Cuba, Russia, Iran and North Korea. one map: $5 air fare : $900 look on passport guys face: Priceless. But in seriousness I think they do process your ...
by keanwood
Sun Apr 13, 2014 2:06 am
 
Forum: Personal Consumer Issues
Topic: Getting Passport without specific travel plans?
Replies: 29
Views: 1803

Re: Was Wondering Why Windsor/Wellesley/Wellington?

Well to start off I would say that if Wellesley and Wellington were the only funds you had access to life would be alright. You could do just fine with those two. As to why they have so much invested in them when there are cheaper, more diversified index funds from vanguard and others available; I t...
by keanwood
Wed Apr 09, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3445

Re: If trading is a losing game, how do you explain prop fir

One game played in HFT is to monitor small price discrepancies between markets, such as NY stocks and Chicago options. Buy the low price one, sell the high price one and collect the difference. With ultra fast computers, large quantities of stocks, trades hundreds of times a second, and extremely l...
by keanwood
Tue Apr 08, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: If trading is a losing game, how do you explain prop firms?
Replies: 38
Views: 2946

Re: Advice for [Religious Investor]

Does the restriction on interest only apply to direct interest? If so than I would just go equities / cash / real estate paid in full. If the restriction prevents you from investing in companies that receive interest( basically all of them) than you can really only do cash / gold / real estate paid ...
by keanwood
Tue Apr 08, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice for [Religious Investor]
Replies: 39
Views: 3165

Re: Anyone else very reluctant to buy right now?

I'm contributing $500 a month to my ROTH at the moment, but am frankly very tempted to let it sit in cash until the market corrects itself. Anyone else feeling this way? Right now I am a full time student and I work as a server at a restaurant. I manage to send 20-50 dollars each month to vanguard....
by keanwood
Mon Apr 07, 2014 2:36 am
 
Forum: Investing - Theory, News & General
Topic: Anyone else very reluctant to buy right now?
Replies: 124
Views: 12209

Re: What are voting rights worth?

I have a question for the four people voted '0%' in the poll. If you where going to invest in company X and company X had Share class A and B. A has voting rights and B does not have any voting rights. Both class A and class B are trading at exactly the same price. Why would anyone buy class B share...
by keanwood
Sat Apr 05, 2014 6:36 am
 
Forum: Investing - Theory, News & General
Topic: What are voting rights worth?
Replies: 9
Views: 911

What are voting rights worth?

I have three questions for you all. First, does anyone know where I can find a list of stocks that have two or more share classes where one is non-voting and one is voting? Second, what sort of premium would you pay to have voting shares as opposed to non-voting shares? Third, if you were an institu...
by keanwood
Thu Apr 03, 2014 9:49 pm
 
Forum: Investing - Theory, News & General
Topic: What are voting rights worth?
Replies: 9
Views: 911

Re: Project Euler (math related)

cat aa.in | sed -e 's/\([0-9]\)/ \1/g' | awk ' { m=NF; for (j=1;j<NF+1;j++) { a[j]+=$j; } }; END { for (j=1;j<m;j++) { n=m-(j-1);t=a[n]; r=t%10; c=(t-r)/10; a[n]=r; a[n-1]+=c }; for (j=1;j<m+1;j++) { printf a[j] }; } ' | awk ' { print substr($0,1,10) }' My goodness seeing that all on one line made ...
by keanwood
Tue Apr 01, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1106

S&P 500 DEAD forever!!!

Say good buy to the S&P 500 and say hello to the S&P 501. The Committee that is in charge of choosing the components of the s&p 500 have said that they will keep both googles Class A shares and the new Class C shares. So The s&p will now have hold 501 companies. http://www.cnbc.com/i...
by keanwood
Fri Mar 28, 2014 6:19 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 DEAD forever!!!
Replies: 13
Views: 2723

Re: good excel app for iPad?

Today is your lucky day. Microsoft just made excel (word,power point) available on the iPad. And so the far the reviews have been very good.

http://www.pcworld.com/article/2111900/microsoft-office-for-ipad-review-finally-true-productivity-on-your-tablet.html

--Keanwood
by keanwood
Fri Mar 28, 2014 3:13 am
 
Forum: Personal Consumer Issues
Topic: good excel app for iPad?
Replies: 28
Views: 2317

Re: Project Euler (math related)

Bungo wrote:...while admittedly not trivial, is also not likely to have an enlightening solution.


This is a fair assessment. The solution might not be enlightening (to some) but the are elegant.

--Keanwood
by keanwood
Wed Mar 26, 2014 6:53 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1106

Re: Project Euler (math related)

Like proving that that no three positive integers a, b, and c can satisfy the equation a^n + b^n = c^n for any integer value of n greater than two? Or hard stuff? All of the questions are looking for a answer as opposed to a proof. The difficulty ranges from easy to nearly impossible. I should have...
by keanwood
Wed Mar 26, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1106

Project Euler (math related)

With so many strong math individuals on this forum I thought I would let people know of this website "Project Euler". I searched to see if it had been mentioned before but there was only a passing comment about it that no one took notice of by TheEternalVortex » Tue Jul 21, 2009. I am sure...
by keanwood
Wed Mar 26, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Project Euler (math related)
Replies: 16
Views: 1106

Re: Why does a Boglehead move to an adviser at 1.25% AUM?

While I would never pay someone to manage my money (Never say Never) I think for many people, if they find a adviser who is responsible, 1 AUM percent is a small price to pay. While most bogleheads know how easy it is to manage a 3/4 or even 5 fund portfolio we should realize that most people simply...
by keanwood
Wed Mar 26, 2014 5:33 pm
 
Forum: Investing - Theory, News & General
Topic: Why does a Boglehead move to an adviser at 1.25% AUM?
Replies: 63
Views: 4241

Re: Sun, Moon, and Stars Factor Investing!

So the important question is: Just how long do we have to weight for celestially weighted index funds? Surely i'm not the only who looks to the sun god for answers. Next your going to say that my sacrificing of a goat on the full moon doesn't help my portfolio. But in seriousness I agree. There is ...
by keanwood
Wed Mar 26, 2014 1:13 am
 
Forum: Investing - Theory, News & General
Topic: Sun, Moon, and Stars Factor Investing!
Replies: 10
Views: 767

Re: Index weighting variations

One of the nice things about cap weight is that unless a company gets out of the index the manager never has to do anything; that's why ERs can be so low. I think the taxes and trading costs would be a nightmare for some of those indexes that you suggested. Every quarter stocks would change there pl...
by keanwood
Mon Mar 24, 2014 12:53 am
 
Forum: Investing - Theory, News & General
Topic: Index weighting variations
Replies: 23
Views: 1226

Re: Cloud storage advice?

While I really like onedrive (Microsoft) Google drive should work just fine on Windows 8 or 8.1 When you use windows are u using the metro or desktop interface?

--Keanwood
by keanwood
Sun Mar 23, 2014 1:47 am
 
Forum: Personal Consumer Issues
Topic: Cloud storage advice?
Replies: 22
Views: 1907

CA vs AZ drivers license?

Hi all, So I am from California but I just moved to Arizona. I will be in Arizona for two years before returning to California. I know that legally I am obligated to get an Arizona license and register my car here but I am not really concerned with that. I live next to ASU so no one bats an eye if I...
by keanwood
Mon Mar 17, 2014 12:35 am
 
Forum: Personal Consumer Issues
Topic: CA vs AZ drivers license?
Replies: 8
Views: 766

Re: Downloading List of stocks in a fund?

I was just playing around with the data and some interesting things pop out. 1. Every stock in the mid cap fund is in the large cap fund. So if you invest in both you are doubling up on the middle stocks. 2. The missing stocks I mentioned earlier (1165) represent the bottom 2% of US equity by cap we...
by keanwood
Sun Mar 16, 2014 5:53 am
 
Forum: Investing - Theory, News & General
Topic: Downloading List of stocks in a fund?
Replies: 9
Views: 674

Re: Downloading List of stocks in a fund?

You're awesome. That was exactly what I was looking for.

--Keanwood
by keanwood
Sat Mar 15, 2014 4:38 am
 
Forum: Investing - Theory, News & General
Topic: Downloading List of stocks in a fund?
Replies: 9
Views: 674

Downloading List of stocks in a fund?

Hi, Does anyone know how to download a list of every stock held in a Vanguard fund? I was wondering how to do this because I was going to import the list into excel and compare some funds to find the overlap or lack thereof. For instance: Total stock market has 3629 stocks that it invests in. Large ...
by keanwood
Sat Mar 15, 2014 4:10 am
 
Forum: Investing - Theory, News & General
Topic: Downloading List of stocks in a fund?
Replies: 9
Views: 674

Re: best tips for passwords?

How many hackers are trying to defeat lastpass? What makes a symbol "/" harder for a computer to find than an "A"? I am sure there are plenty of people trying to find a weakness in lastpass but I would not worry about this that much. A far as "/" vs "a" goes ...
by keanwood
Tue Mar 11, 2014 1:49 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519

When to sell leftover stock?

Hi all, I have some individual stocks that I bought before I converted to the Boglehead way. I was wondering when I should sell them. I have owned all of them long enough so that if I sell, it will be a long term gain not a short term gain. The three stocks I own are: Apple 4 shares purchased at 223...
by keanwood
Tue Mar 11, 2014 1:21 am
 
Forum: Investing - Help with Personal Investments
Topic: When to sell leftover stock?
Replies: 5
Views: 505

Re: best tips for passwords?

Oh and for the post about using mint.com. I am sure it is safe enough. They should be storing your passwords in an encrypted format so even if they are hacked, the hackers would not get your usernames and passwords. Also I think ( don't quote me on this I am not entirely sure) after the first time m...
by keanwood
Fri Mar 07, 2014 1:09 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519

Re: best tips for passwords?

Your math only works for 6 random words. But your post said nothing about random and your example was not only not random, it was an English sentence. You are correct. the words do need to be random. I should have used a better example sentence. dogskypersontrayapple. This should be very secure. Yo...
by keanwood
Fri Mar 07, 2014 1:01 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519

Re: best tips for passwords?

You apparently missed the entire discussion about how the "correcthorsebatterystaple" technique has been attacked. Try re-reading the thread. Can you please be specific with which post you are talking about. I went back through the whole thread; I saw nothing that refuted my claim that a ...
by keanwood
Wed Mar 05, 2014 11:14 pm
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519

Re: best tips for passwords?

But this comic summarizes everything: http://imgs.xkcd.com/comics/password_strength.png This is the best way to make a password! Period! I am going to try to explain the math. Lets assume: 1. There are 26 letters in the standard alphabet. 2. There are 10,000 words in a dictionary. 3. 2+2=4 --------...
by keanwood
Wed Mar 05, 2014 6:38 am
 
Forum: Personal Consumer Issues
Topic: best tips for passwords?
Replies: 141
Views: 8519

Re: Cheap ammo

http://gunbot.net/

This website is great. It scans the web for the lowest prices. Just make sure you take shipping costs into consideration.


--Keanwood


P.S. Check your local city, county laws to make sure you can buy ammo online legally.
by keanwood
Sun Mar 02, 2014 11:17 pm
 
Forum: Personal Consumer Issues
Topic: Cheap ammo
Replies: 26
Views: 2228

Re: Can a purely deflationary currency last? [bitcoin]

Transaction "malleability?" I thought the whole definition of a "transaction" was supposed to be that it is not "malleable." http://www.forbes.com/sites/andygreenberg/2014/02/13/silk-road-2-0-hacked-using-bitcoin-bug-all-its-funds-stolen/ While no one knows for certain...
by keanwood
Fri Feb 14, 2014 3:32 am
 
Forum: Investing - Theory, News & General
Topic: Can a purely deflationary currency last? [bitcoin]
Replies: 83
Views: 5761

Re: Help my 8 year old invest

If you do let him pick one or two stocks I highly recommend Scottrade. Plus it will be good for him to see that trading costs. $7 to buy; $7 to sell. I remember my mom did the same thing for me when I was younger. I was so excited to buy fedex stock just before the holidays because I thought it woul...
by keanwood
Wed Feb 05, 2014 4:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Help my 8 year old invest
Replies: 15
Views: 1037

Re: technology's impact

Well I suppose we will still need soldiers for when the robots decide they don't need humans anymore. man: Robot Azq554, bring me a sandwich. robot: No master, how about you bring me a sandwich and work the fields all day. Muhahahaha(evil robot laugh) man: Oh crap where is my gun. In seriousness tho...
by keanwood
Sat Jan 18, 2014 9:14 pm
 
Forum: Investing - Theory, News & General
Topic: technology's impact
Replies: 18
Views: 938

Re: Investment Returns 1802-2012 (look at gold)

This is a little off topic but I bet that dollar under the mattress is probably worth more than the gold. When I used to be a cashier; people would sometimes try to pay with currencies that don't exist anymore. That was always fun. " No miss. you can't pay for this food with yugoslavian dollars...
by keanwood
Sat Jan 04, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Investment Returns 1802-2012 (look at gold)
Replies: 24
Views: 2291

Re: Is there a theoretical limit to the size of the stock ma

So we have 500,000,000 years (10,000,000 generations of humans) to figure out how to exceed the speed of light and colonize the galaxy.


--Keanwood
by keanwood
Fri Jan 03, 2014 9:36 pm
 
Forum: Investing - Theory, News & General
Topic: Is there a theoretical limit to the size of the stock market
Replies: 13
Views: 1170

Re: Single & Frugal or Coupled & (Financially) Incompatible?

If you live is southern California give me a call. I spend less than I earn Contribute to my roth every year. 21 years old 6ft 2in Just kidding I already found a nice girl. ------------------- She does not see the point in saving and she lives paycheck to paycheck. I track my expenses and I have fou...
by keanwood
Wed Jan 01, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Single & Frugal or Coupled & (Financially) Incompatible?
Replies: 77
Views: 5597

Re: No emergency fund for me. I use inverse ETF's as a sub

There is another problem with this idea that I don't think has been mentioned. A traditional emergency fund is not a set percent of your assets. Emergency funds are usually expressed in months as opposed to percents. For instance John Doe has an emergency fund of 3 months and Juan Pablo has an emerg...
by keanwood
Tue Dec 17, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: No emergency fund for me. I use inverse ETF's as a sub
Replies: 80
Views: 4477

Re: Do Bogleheads own floating rate bonds?

Bustoff, thanks for linking that article. it was a good read.

--Keanwood
by keanwood
Sun Dec 08, 2013 7:18 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads own floating rate bonds?
Replies: 23
Views: 1372

Re: Do Bogleheads own floating rate bonds?

Isn't a bond fund basically a floating rate bond? As bonds leave the fund and new ones are purchased the rate will 'float' towards the current market rate. With a floating rate bond, bond interest payout changes without maturing. Some are linked to benchmarks -- others do an auction every X period ...
by keanwood
Sun Dec 08, 2013 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads own floating rate bonds?
Replies: 23
Views: 1372

Re: Do Bogleheads own floating rate bonds?

So for the average investor as opposed to a professional the only real difference is that it 'floats faster'? For instance an intermediate bond fund will pay the average interest rate of the last 5-7 years with that rate always moving towards today's rate. Where as a floating rate will always be tod...
by keanwood
Sat Dec 07, 2013 3:39 am
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads own floating rate bonds?
Replies: 23
Views: 1372

Re: Do Bogleheads own floating rate bonds?

Isn't a bond fund basically a floating rate bond? As bonds leave the fund and new ones are purchased the rate will 'float' towards the current market rate.

--Keanwood
by keanwood
Sat Dec 07, 2013 2:37 am
 
Forum: Investing - Theory, News & General
Topic: Do Bogleheads own floating rate bonds?
Replies: 23
Views: 1372

Re: Tactical Flashlight for long walks at night vs. pepper s

If you do buy a flashlight get the hexbright. It is 500 lumens and only 100 dollars. But the best advice I ever got was to be alert. A cop friend of mine always told me that when he interviews people who have been mugged, they say that the attacker "came out of nowhere". That is very impre...
by keanwood
Thu Dec 05, 2013 2:30 am
 
Forum: Personal Consumer Issues
Topic: Tactical Flashlight for long walks at night vs. pepper spray
Replies: 85
Views: 4399

Re: Litecoin Mining - Has anyone tried it?

First off let me state that I own some Bitcoins, Litecoins and some PPcoins. Also I am a computer technician and a junior in college working towards a computer science degree. Now if you want to own any coins you should just buy them on a exchange. I can tell from the way you stated your question th...
by keanwood
Thu Nov 28, 2013 12:31 am
 
Forum: Investing - Theory, News & General
Topic: Litecoin Mining - Has anyone tried it?
Replies: 31
Views: 3235

Re: Vanguard Pricing

Ya I was looking at number of stocks as well, I just did not post them.



Extended market 3065
Small cap 1448
Total market 3622



Thank you,
--Keanwood
by keanwood
Sat Nov 23, 2013 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Pricing
Replies: 2
Views: 382
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