Search found 2040 matches

Return to advanced search

Re: Vanguard offers login security code

Sidney, I'm not sure about Vanguard but some brokers allow you to set up a separate read only ID. I've never tried this but might if I had a lot of tax data to input. It would be nice if you could download the data into a format that TaxAct could read, so that you don't need to give the software any...
by lazyday
Sat Nov 22, 2014 9:43 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3397

Re: Vanguard offers login security code

I've started to write up a security plan, like Bob has above, but very different strategies.

Does anyone know of a good electronic security forum where I can post it for critique?
by lazyday
Sat Nov 22, 2014 9:11 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3397

Re: Why I will fund retirement with TIPs ladder no matter wh

making my decision to build a TIPs ladder to fund my retirement no matter what the real yield look like. Using only TIPS to fund a retirement is expensive. You would need to have a large portfolio. If you would enjoy spending more than the TIPS portfolio allows, you will probably give up a lot of l...
by lazyday
Sat Nov 22, 2014 8:32 am
 
Forum: Investing - Theory, News & General
Topic: Why I will fund retirement with TIPs ladder no matter what
Replies: 43
Views: 2317

Re: Vanguard offers login security code

Here's a post on a site that lists banks, brokers, email, etc with 2FA: viewtopic.php?f=10&t=150266
by lazyday
Sat Nov 22, 2014 5:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3397

Re: Will stocks beat bonds over next 30 years?

As for 30 years of stocks underperforming bonds, it's almost an impossibility and would require a complete collapse of the economic system. If two of the three realistic scenarios below happen, bonds could easily outperform for 30 years without a collapse: (1) CAPE is now about 27. In 30 years from...
by lazyday
Sat Nov 22, 2014 5:30 am
 
Forum: Investing - Theory, News & General
Topic: Will stocks beat bonds over next 30 years?
Replies: 43
Views: 3201

Re: Vanguard offers login security code

I'd hope that if you lose your phone and didn't choose the "only when we don't recognize your computer" option, then you can't get into the account until you write or call Vanguard, and wait for a reset code to arrive in the mail.

Or toto's security guarantee would be nice.
by lazyday
Sat Nov 22, 2014 3:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard offers login security code
Replies: 49
Views: 3397

Re: Post free Financial-related time-limited eBook offers he

If You Can is back. viewtopic.php?f=2&t=151369

Why Bother With Bonds viewtopic.php?f=10&t=151345

If you don't always spend time on this forum, you can subscribe to this thread and get emails when there's a new post here.
by lazyday
Sat Nov 22, 2014 3:38 am
 
Forum: Personal Consumer Issues
Topic: Post free Financial-related time-limited eBook offers here
Replies: 9
Views: 1342

Re: What were your biggest financial emergencies?

It also is important to know your ATM limit and, if necessary, ask for it to be raised. Some banks put it as low as $200 a day. Also it seems some ATM cards can expire. I had one with an expiration date on the front. I never used it, and after the expiration date, was not sent a new one. I like to ...
by lazyday
Sat Nov 22, 2014 3:18 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3719

Re: why do investors buy overpriced stocks?

Has there been research on whether distressed "jackpot" stocks are overpriced (or cheap) during a panic? For example, in late 2008 - early 09, many stocks were down by 90% to 99%, including some financials, industrials, commodity, newspaper, gambling. Most of those that I noticed recovered...
by lazyday
Sat Nov 22, 2014 2:42 am
 
Forum: Investing - Theory, News & General
Topic: why do investors buy overpriced stocks?
Replies: 4
Views: 816

Re: EM & Ex-US Value: trading cost and index drag

How useful are the results when using the wrong input data? I tried running PDN with an even more wrong market data source: Global. R*R dropped from .95 to .94, while alpha and SMB changed quite a bit from the less wrong GlobalEx-US data. There are at least three Global Ex-US factor funds where we m...
by lazyday
Fri Nov 21, 2014 9:09 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: Selecting Charities for Donation

If you believe in the validity and value of the impact calculation (I don't) then you might want to maximize impact per dollar you give, without thinking much about overhead. One charity might spend a fortune on overhead because of complicated programs like getting many small schools to teach about ...
by lazyday
Fri Nov 21, 2014 4:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 53
Views: 2852

Re: Pension buyout offer - Accept or reject

If it's well insured, then based on #cruncher's post, I'd be very happy to buy this pension for $57,000. I'd then reduce my CD's, nominal bonds, or cash by $57,000. Yes there is inflation risk, but the pension value would increase in the event of deflation or disinflation, either of which might harm...
by lazyday
Thu Nov 20, 2014 11:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension buyout offer - Accept or reject
Replies: 44
Views: 3514

Re: Where can I go to get a signature guarantee or Medallion

Fidelity takes a lot of heat in this forum but (as long as you stick to their low ER Spartan family funds) their customer service and website is top notch. I like Vanguard because I feel there is good alignment of interests between them and I. They also run funds conservatively. When I last checked...
by lazyday
Thu Nov 20, 2014 7:40 am
 
Forum: Personal Finance (Not Investing)
Topic: Where can I go to get a signature guarantee or Medallion sig
Replies: 34
Views: 3059

Re: What were your biggest financial emergencies?

I'm wondering what sorts of situations could come up where credit cards couldn't cover the bill while money was being moved around. Someone once posted about quickly bailing family out of prison, with a substantial amount of cash. Maybe something like $5,000. Credit or checks weren't accepted, and ...
by lazyday
Thu Nov 20, 2014 7:16 am
 
Forum: Personal Finance (Not Investing)
Topic: What were your biggest financial emergencies?
Replies: 39
Views: 3719

Re: {Charity} Online courses: Philanthropy & Social Good

https://www.coursera.org/course/giving2 thanks dyangu for link. Giving 2.0: The MOOC, is a Stanford University-sponsored online course intended to teach givers of all ages, backgrounds, incomes and experiences to give more effectively. .... will teach you how to assess nonprofits, create a high-impa...
by lazyday
Thu Nov 20, 2014 5:17 am
 
Forum: Personal Consumer Issues
Topic: {Charity} Online courses: Philanthropy & Social Good
Replies: 5
Views: 910

Re: Selecting Charities for Donation

i like it when their websites post their audited financial statements, which i think they are required to file anyway. I've downloaded statements but didn't really try to analyze them. http://acumen.org/about/financial-overview/ For a charity that provides more than monetary help for those it inves...
by lazyday
Thu Nov 20, 2014 5:08 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 53
Views: 2852

Re: EM & Ex-US Value: trading cost and index drag

ketana and backpacker, Thanks on PDN and PXF. https://www.invesco.com/portal/site/us/financial-professional/etfs/product-detail?productId=pxf https://www.invesco.com/portal/site/us/financial-professional/etfs/product-detail?productId=pdn Developed Ex-US PXF and S/Midcap PDN both have ER at or just u...
by lazyday
Thu Nov 20, 2014 4:31 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: One Source to follow world markets ?

articles I can read to try to learn more about the inner workings about current financial news. It's no fun being so ignorant of the finance world. :D You can also check the websites for - The Economist - The FInancial Times - The Wall St Journal - Bloomberg (see links from livesoft) And for perspe...
by lazyday
Tue Nov 18, 2014 11:25 am
 
Forum: Investing - Theory, News & General
Topic: One Source to follow world markets ?
Replies: 26
Views: 1804

Re: Can We Trust the Mutual Fund Price Quotes on Morningstar

Showing Friday's quote with today's date is a problem. I've seen lots of errors from places like M* and S&P over the years. Sometimes an S&P stock report will be off by a factor of 1,000 for some columns (years) but not others--I first saw this error years ago and saw it again this year. If...
by lazyday
Tue Nov 18, 2014 11:13 am
 
Forum: Investing - Theory, News & General
Topic: Can We Trust the Mutual Fund Price Quotes on Morningstar?
Replies: 6
Views: 676

Re: EM & Ex-US Value: trading cost and index drag

heyyou wrote:FF do not recognize "foreign" as a factor, did they? They just looked at foreign markets for the same factors seen domestically.

I think that's right. By "EM factor funds" I mean funds investing in EM that provide exposure to risk factors such as Value.
by lazyday
Tue Nov 18, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: EM & Ex-US Value: trading cost and index drag

Here’s a simple table showing EM factor fund NAVs falling behind their index over 5 years. There’s some problems with the way I looked at this; see thread discussion below the post. http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135938#p2010343 The prior post gives a little more info on th...
by lazyday
Tue Nov 18, 2014 9:53 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: EM & Ex-US Value: trading cost and index drag

on IEMG. Includes small and mid-cap names and costs 18 b.p. p.a. Large AUM, tight spreads and trades free at Fidelity http://www.ishares.com/us/literature/fact-sheet/iemg-ishares-core-msci-emerging-markets-etf-fund-fact-sheet-en-us.pdf Holdings: 1777 (Fidelity lists as 1827 11/14/2014) Top 10 holdi...
by lazyday
Tue Nov 18, 2014 9:43 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

if want to run regressions easily on any fund you can use this tool http://www.portfoliovisualizer.com/factor-analysis The “Stock Market” selection contains neither region Emerging Markets nor Developed Markets Ex-US. Would results be useful if we make another Stock Market choice for EM or Dev Ex-U...
by lazyday
Tue Nov 18, 2014 9:38 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2312

Re: Mark your calendar for year-end fund distributions

Highlights for dividends (check the link for Cap Gains dates and the Managed Payout Fund):

December 9, 2014
Updated and expanded estimates: ... , plus estimated income and qualified dividend income percentages.
January 2015
Final year-end dividend and capital gains distributions for 2014.
by lazyday
Tue Nov 18, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Mark your calendar for year-end fund distributions
Replies: 4
Views: 1166

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

As I recall, Rob Arnott countered that cap weighted factor indexes have produced negative alpha. I find that confusing. I thought cap weighted indexes were the market for purposes of calculating alpha. How can they produce negative alpha? I don't know enough about factor regression to do a good job...
by lazyday
Mon Nov 17, 2014 6:24 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2312

EM & Ex-US Value: trading cost and index drag

For EM Value and Ex-US Value, both reported ER and hidden costs make it difficult to keep up with the index. The index itself may also fall behind the asset class. Trading Cost and other hidden expenses: Take a look at any foreign (especially EM) index fund with significant Value and/or other factor...
by lazyday
Mon Nov 17, 2014 6:01 am
 
Forum: Investing - Theory, News & General
Topic: EM & Ex-US Value: trading cost and index drag
Replies: 12
Views: 1446

Re: Selecting Charities for Donation

There are websites to help select a charity with high impact per dollar given. But I was disappointed with the ways they measured impact. I like the idea of Venture Philanthropy, for example Acumen Fund: Our aim in investing patient capital is not to seek high returns, but rather to jump-start the c...
by lazyday
Sun Nov 16, 2014 10:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Selecting Charities for Donation
Replies: 53
Views: 2852

Re: "Safe" investment for a retired parent. CD?

You might consider putting 10 to 25% of the money in a global stock index, and the rest into CDs. Historically, having a bit of money in the stock market hasn't increased volatility much, or has actually reduced it. If the money isn't needed for a while, it might make sense to use longer term CDs, t...
by lazyday
Sun Nov 16, 2014 6:52 am
 
Forum: Investing - Theory, News & General
Topic: "Safe" investment for a retired parent. CD?
Replies: 12
Views: 1356

Re: IRA with $0.17 balance

lululu, I've had an interest or dividend payment transfer over without any action on my part, for IRA to IRA account transfers and individual account (taxable) transfers. Customer service once told me it should eventually happen without my request, if the transfer is ACAT. I don't know if it's diffe...
by lazyday
Sun Nov 16, 2014 6:36 am
 
Forum: Investing - Help with Personal Investments
Topic: IRA with $0.17 balance
Replies: 16
Views: 1774

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Last tax year's review posted February 2014, my bold: For the 2013 tax year, though, TaxACT wins the Editors' Choice in both free and paid browser-based tax-prep solutions. The three solutions reviewed are roughly comparable in terms of the mechanics of preparation—they all use a question-and-answer...
by lazyday
Sun Nov 16, 2014 1:42 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 67
Views: 7280

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

So TaxAct needs a PDF file from another program, it won't just accept the turbotax data file, like you can do when switching from Excel to a competitor? I did my 2013 taxes by hand so I could get closer to the formulas and rules. Not as helpful as I hoped, but at least in my case it won't be as much...
by lazyday
Sun Nov 16, 2014 1:27 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 67
Views: 7280

Re: Joel Greenblatt: Market Cap weighted indexes not recomme

The Vanguard research claims that fundamental indexes have not produced alpha using a factor model. As I recall, Rob Arnott countered that cap weighted factor indexes have produced negative alpha, while RAFI has had close to 0 alpha. I don't recall if Arnott was looking at actual fund performance, o...
by lazyday
Sun Nov 16, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Joel Greenblatt: Market Cap weighted indexes not recommended
Replies: 15
Views: 2312

Re: Fidelity 2-Factor authentication fail...

I'm curious what people *want* Fidelity to do in this case? 10 or 12 years ago I had lost my VG password and had to wait for them to snail me a new one. That is one approach. I want options on the security vs easy scale. I'd like to choose the option so that it is impossible to ever phone anyone ab...
by lazyday
Sat Nov 15, 2014 4:29 am
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1103

Re: VBS upgrade roll out has started

"Rabbi, can't we just pretend you turned me away three times?"
by lazyday
Sat Nov 15, 2014 3:37 am
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13120

Re: Using price itself to guess relative valuation

Maybe my question is answered in some paper on momentum? There are papers suggesting that an asset class will continue to outperform if it has outperformed over the first 11 months of the past year. Is there data showing that an asset class that has outperformed for several years has then underperfo...
by lazyday
Sat Nov 15, 2014 3:32 am
 
Forum: Investing - Theory, News & General
Topic: Using price itself to guess relative valuation
Replies: 3
Views: 548

Re: Value Averaging: My experience after 9 years

Does anyone know if the 2006 and 1993 editions have any differences other than forwards and prefaces?
by lazyday
Fri Nov 14, 2014 5:20 am
 
Forum: Investing - Theory, News & General
Topic: Value Averaging: My experience after 9 years
Replies: 24
Views: 3750

Re: Well Read But New Investor Now Retired Needs Advice

The links re Swensen don't have anything about updated asset allocation unless the transcript says more than the video it is supposed to mimic. Sorry about that, I didn’t watch from that link, but saw that program online shortly after it aired. Sometimes you can see extended interviews or supplemen...
by lazyday
Fri Nov 14, 2014 5:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Well Read But New Investor Now Retired Needs Advice
Replies: 22
Views: 1722

Re: Strategies to protect retirement from depressn or long b

Prof , thanks for the link. In Manhatten, not only was house price deflation worse than CPI deflation, it took longer for prices to recover than stock market prices. Leeraar , An income floor or liability matching sounds nice if you can afford it, and don’t find much utility in having more money. I...
by lazyday
Fri Nov 14, 2014 4:34 am
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Using price itself to guess relative valuation

http://www.researchaffiliates.com/Production%20content%20library/Our%20Investment%20Beliefs.pdf Indeed, we know far more than just current asset prices. We also know the path that prices have taken to get to their present levels. Based on this information, we can gauge which assets are likely overpr...
by lazyday
Thu Nov 13, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Using price itself to guess relative valuation
Replies: 3
Views: 548

Re: Well Read But New Investor Now Retired Needs Advice

Hey, discreet, welcome to social media and Bogleheads! Note that in addition to the $10,000 a year of I bonds that Duckie mentioned, you can buy $10,000 EE bonds per person, which might make sense if you can hold them for 20 years. 2) what today's allocation of assets should be and where to find any...
by lazyday
Thu Nov 13, 2014 2:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Well Read But New Investor Now Retired Needs Advice
Replies: 22
Views: 1722

Re: Is "comfortable confidence" in secure retirement possibl

William Bernstein has written about how in many situations where a portfolio fails terribly, your money wouldn’t have helped you anyway. His old series "Retirement Calculator From Hell" is free on his site. http://www.efficientfrontier.com/ef/901/hell3.htm I tend to expect the good and try...
by lazyday
Wed Nov 12, 2014 10:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is "comfortable confidence" in secure retirement possible?
Replies: 23
Views: 3157

Re: Strategies to protect retirement from depressn or long b

scone,

I should have put long term Treasuries in the original post. I’d love to own them someday when I feel they provide adequate compensation for the risk.
by lazyday
Wed Nov 12, 2014 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

Many things become much cheaper in a depression, especially construction costs, rentals and food. Have to think about this. If rental costs are significant relative to portfolio withdrawals, it seems that owning with no mortgage will reduce uncertainty and protect against high rental inflation. But...
by lazyday
Wed Nov 12, 2014 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

Most of the strategies depend on when acquire and when disposed . This makes sense to me. I like the idea of not adding a new asset to the portfolio if it has outperformed the market and is popular, or if it has unusually low expected returns. quality got massacred in quantity in 2008. Very disappo...
by lazyday
Wed Nov 12, 2014 9:39 pm
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

It looks to me as though a 3-fund with equal domestic and foreign/international i.e. Japan-Stocks, US-Stocks, J-Bonds (5 year treasury ladder), came through post 1990's OK for a Japanese investor. It might not change anything, but for a retiree one would need to do a Bengen/Trinity/Wade Phau type a...
by lazyday
Wed Nov 12, 2014 9:26 pm
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

dbr, An SPIA can make great sense for an older retiree, but maybe not for a young one without enough mortality credits to make up for expenses. If extreme tail events are a main concern, then one also has to consider risk that both the insurance company and any guarantees will fail. I agree that ass...
by lazyday
Wed Nov 12, 2014 12:25 am
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

livesoft,

This might mean making sure you owned your home AND it was in very good shape.

This is a good one.

Some people have considered going farther and not just prepaying for living space, but for food. Storing decades worth of dried food. Too far for me, but the concept is interesting.
by lazyday
Wed Nov 12, 2014 12:14 am
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601

Re: Strategies to protect retirement from depressn or long b

livesoft and dbr, A key part of my strategy is the acceptance of the possibility of poor returns and a low budget retirement. When my portfolio was smaller, I accepted a significant chance of needing to work again. This has allowed me to invest aggressively, earn a good return, and increase my expec...
by lazyday
Wed Nov 12, 2014 12:12 am
 
Forum: Investing - Theory, News & General
Topic: Strategies to protect retirement from depressn or long bear?
Replies: 33
Views: 3601
Next

Return to advanced search