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Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

The tracking error for two different ETFs in the same market segment should be comparable; if EWX traded at a premium to stale NAV on 12/31/12 and at a discount to stale NAV on 12/31/13, it would underperform the index in 2013, but EEMS presumably traded at the same stale premium and discount. Thus...
by lazyday
Mon Apr 14, 2014 4:10 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Big VWO (Emerging Markets) tracking error

It may be that there is significant tracking error for VWO. It is expensive to trade illiquid stocks and stocks in some markets. There are hidden expenses caused by market impact and bid/ask spreads. Commissions are high in some places, and these are also not included in ER. In March, I used data fr...
by lazyday
Mon Apr 14, 2014 3:23 pm
 
Forum: Investing - Theory, News & General
Topic: Big VWO (Emerging Markets) tracking error
Replies: 3
Views: 659

Re: Schwab Fundamental Index Funds

Their open-end fundamental index funds have tended to lag their benchmarks by a fair amount more than their ER, except in the US large cap space. On the ETFs, I'd want to wait and see what their tracking error vs. their underlying index ends up being. It looks like fundamental EM ETF PXH did even w...
by lazyday
Mon Apr 14, 2014 3:13 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Fundamental Index Funds
Replies: 11
Views: 1303

Re: Windows XP to Linux Question with existing HW

Many USB card readers support firmware updates. Hadn't thought of that one! Will add to my list of paranoid concerns for Live USB write protected with reboot before&after. I've also read about video card firmware as a potential target. Haven't seen anything on other firmware but I'd think hard ...
by lazyday
Thu Apr 10, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

If, as suggested by lazyday, you use a USB card reader write protect could, but does not have to be, implemented in the card reader. So you need to select either an SD card or a USB reader that enforces the write protect. Unfortunately low cost is usually the overriding design goal so chances are c...
by lazyday
Wed Apr 09, 2014 5:24 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: What to do with Win computers?

For us old computers are useful for off-line use for vital sensitive documents. Please keep good backups! Ideally using a system which does not overwrite old copies. This helps if the file is ruined with typos or bugs, since you can find the last good version. It also allows you to see how your inf...
by lazyday
Tue Apr 08, 2014 4:51 am
 
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 2205

Re: Windows XP to Linux Question with existing HW

By the way, for added security if using Live USB instead of an install onto hard drive: You can use an SD card in an SD-USB adapter. When the SD card is set to be bootable and has the OS written to it, set it to write protected. Only boot from it when write protected. Then a virus cannot compromise ...
by lazyday
Tue Apr 08, 2014 3:35 am
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

You would choose the desktop, as you can see they have XFCE in the latest version: http://www.linuxmint.com/download.php Nice! A quick google showed that XFCE was available but I thought it might be a respin or separate distro like lubuntu vs ubuntu and LX D E desktop environment. I suspect that th...
by lazyday
Tue Apr 08, 2014 3:28 am
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: What to do with Win computers?

One nice thing about Linux is you can mount (burn) the iso image to a DVD or thumb drive and boot to it. That allows you to use the operating system before wiping your hard drive and starting over. Yes, you can make a "Live USB", "Live CD", or "Live DVD", and try out L...
by lazyday
Mon Apr 07, 2014 2:04 pm
 
Forum: Personal Consumer Issues
Topic: What to do with Win computers?
Replies: 51
Views: 2205

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

How can IEMG and EEMS achieve their positive tracking error? There's noise in fund returns so my guess is luck. I'll be pleasantly surprised if 3 year TE isn't highly negative. For funds that mostly hold liquid stocks, long term positive TE might result from trading futures, lending shares, and luc...
by lazyday
Mon Apr 07, 2014 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Windows XP to Linux Question with existing HW

meebers wrote:I tried Linux Mint 14 on my old XP machine.
....
I am impressed.

Which desktop environment did you install?

When I last used Mint I think it used KDE or Gnome which was slow on my computer.

Is it easy to choose XFCE, or does it choose it for you when it sees how old&slow your computer is?
by lazyday
Mon Apr 07, 2014 1:38 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: How has a Taleb-esque portolfio done recently?

For those interested in performance of a portfolio containing very high risk assets and a larger than usual amount of bonds, look for threads on "Larry Portfolio" or "Swedroe Portfolio". Larry's also writing a book on it, I believe.
by lazyday
Mon Apr 07, 2014 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: How has a Taleb-esque portolfio done recently?
Replies: 34
Views: 3547

Re: Windows XP

Lacking a wireless printer I can print from Chromebook through the cloud if my printer is connected to a wireless computer. If I have the printer connected to my XP machine logged on to wifi am I ok if not logged in to the internet browser? No I don't think so. However, you could make a Live USB of...
by lazyday
Mon Apr 07, 2014 1:21 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP
Replies: 23
Views: 1481

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

William / Bill Bernstein has a new ebook normally .99 but free April 5 and 25: http://www.bogleheads.org/forum/viewtopic.php?f=2&t=136528 Amazon allows me to do so 5 days in each 90-day period, so I've picked 2 and 22 days from now, April 5 (this Saturday) and April 25. (Midnight to midnight PDT...
by lazyday
Fri Apr 04, 2014 6:21 am
 
Forum: Personal Consumer Issues
Topic: Post free Financial-related time-limited eBook offers here
Replies: 7
Views: 776

Re: Migrating from XP to Win 7

In another thread someone suggested http://windows.microsoft.com/en-us/windows7/products/features/windows-easy-transfer which I would expect to find data spread around your hard drive. When I last used Windows, your data could be located in strange places. It was always a risk trying to help someone...
by lazyday
Thu Apr 03, 2014 12:11 pm
 
Forum: Personal Consumer Issues
Topic: Migrating from XP to Win 7
Replies: 10
Views: 555

Re: Healthy Eating/Lifestyle Forum(s)

I didn't notice any forums in this thread. City-data has a health and wellness forum. Some people like their forums but I don't know if the health one is good. http://www.city-data.com/forum/health-wellness/‎ When googling for forums I sometimes find it helps to use the phrase: discussion forum You ...
by lazyday
Thu Apr 03, 2014 12:04 pm
 
Forum: Personal Consumer Issues
Topic: Healthy Eating/Lifestyle Forum(s)
Replies: 16
Views: 1876

Re: Windows XP to Linux Question with existing HW

2) Lubuntu is the fastest, lightest system. Also the least capable, but for old hardware, it's a great choice. Among the easy-for-beginners distros, lubuntu might be among the fastest and lightest. Tiny Core Linux might be considered lighter and may be faster, but maybe not for beginners. I haven't...
by lazyday
Wed Apr 02, 2014 1:48 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

Just a word of warning - some older laptop CPU's do not support PAE (physical address extension), which is typically required for most newer Linux based distributions. I ran into this with an old laptop and ended up just bagging it. Try LXLE or lubuntu 12.04 LTS. I'm pretty sure they're OK for PAE....
by lazyday
Tue Apr 01, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

Note that using a live distribution will probably give worse performance since loading anything off the CD is usually much slower than loading from the hard disk. You could make a Live USB. With a lightweight distribution and enough memory, such as 1.5gb, you can get good performance. Still might b...
by lazyday
Tue Apr 01, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

I've avoided beta or dev versions, maybe that's helped. I think LXLE is based on LTS versions which might be the most reliable. I'm not an expert though and am not really even a tinkerer anymore. I almost entirely stick with the gui and don't remember ever needing to use the command line, just using...
by lazyday
Mon Mar 31, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Warning: Stocks Will Collapse by 50% in 2014

YttriumNitrate wrote:we did avoid Judgement Day...17 years ago

That's right, JC came from the future and delayed the apocalypse.

One of google's robotics companies has the hoverboard working, but the timeline might change again before we get to see it.
by lazyday
Mon Mar 31, 2014 6:20 pm
 
Forum: Investing - Theory, News & General
Topic: Warning: Stocks Will Collapse by 50% in 2014
Replies: 21
Views: 2806

Re: Windows XP to Linux Question with existing HW

I've never had trouble with drivers other than a printer or two, but have mostly used Linux on old Thinkpads which are pretty easy. About 10 years ago when I started with Linux, I sometimes had to type in a simple bootcode to get video to work. And early on, a few distributions just wouldn't run wit...
by lazyday
Mon Mar 31, 2014 6:11 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

But that's so easy with google! :)

Most lightweight distrobutions will come with one, but you can upgrade to Libre Office or Open Office, if neither are included.

Lubuntu for example comes with abiword.
by lazyday
Mon Mar 31, 2014 2:38 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Refurbished Chromebook $150

sarahjane wrote:a better processor

A quick google seems to show it has the same CPU. But yes, a bigger display.

Also seems to be on sale right now.
by lazyday
Mon Mar 31, 2014 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Refurbished Chromebook $150
Replies: 3
Views: 526

Re: Windows XP to Linux Question with existing HW

I use it for email, limited web browsing and word processing. In other words, no gaming, no mp3 library, no VOIP or Skyping. My question is do you think I could successfully redeploy the hardware with a version of Linux that might help me keep it out of the scrapheap? Hard Drive is 50GB and it's go...
by lazyday
Mon Mar 31, 2014 2:16 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Windows XP to Linux Question with existing HW

Have you tried Mint? Did you like it? Yes I liked it. For a while I switched between ubuntu and Mint. I forgot about that. I never did try LXLE but have seen a few suggestions for it and probably will. Sounds a little like a Mint version of lubuntu, in that it has proprietary stuff preinstalled for...
by lazyday
Mon Mar 31, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Is The US Stock Market Rigged? ~ 60 Minutes March 30, 20

HFT or not, trading can be expensive (extreme examples: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=135938#p2010343) which is why I like total market funds like Total Stock Market and Total International. Total market funds may still need to trade for non-ETF share class redemptions and...
by lazyday
Mon Mar 31, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: 60 Minutes 3-30-14: Michael Lewis book "Flash Boys"
Replies: 70
Views: 2520

Re: Windows XP to Linux Question with existing HW

- That laptop seems to have a very slow CPU by modern standards. I would suggest a "lightweight" distribution. Examples include lubuntu or LXLE. You can try ubuntu but it is a fatter OS than Windows XP and may not run very fast. I've found Ubuntu to be slow on faster computers than yours. ...
by lazyday
Mon Mar 31, 2014 1:36 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 2339

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

That makes sense where the funds are similar enough. If you invest in EM small, value, etc, does the large tracking error bother you? Return after TE may have been higher than VWO, but greater risk was taken. If markets are mostly efficient, it may not be wise to pay such high hidden trading costs, ...
by lazyday
Sun Mar 30, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

grabiner, I may have misunderstood the "median tracking difference" which seems to use 12 month periods, not daily. Don't know how many overlapping periods. I stil prefer annualized tracking error for a longer period, the way I did it. But if you think the etf.com tracking difference and d...
by lazyday
Sun Mar 30, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

tik styl 3yNAV 3yIX 5yNAV 5yIX co 5y err ----- ---- ----- ----- ----- ----- ---- ------ DEM D -1.95 -0.91 15.57 17.02 WT 1.25 DGS S-D -.82 .24 16.34 18.01 WT 1.44 EDIV* D -2.5 -.5 SSGA EWEM =wt -3.93 -2.59 -4.8 -2.71 GUG 2.2 EWX S -.8 -.07 16.36 18.87 SSGA 2.16 PXH RAFI -7.11 -6.04 8.31 11.24 PS 2....
by lazyday
Fri Mar 28, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

If you go on ETF.com, they have a very good tool to analyze tracking error under the "Efficiency" tab. Thanks. I'm not sure the tracking figures there are useful for foreign funds because of stale NAV with daily data, but I like the multiyear return vs index without having to check the an...
by lazyday
Fri Mar 28, 2014 5:41 am
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: Wade Pfau: retirement income strategies

bobcat2 wrote:At least meeting your retirement income aspirational goal - lifecycle finance (LCF) approach has higher probability.

Is this true even if the aspirational goal is more than slightly higher than the floor income goal?
by lazyday
Thu Mar 27, 2014 1:28 pm
 
Forum: Investing - Theory, News & General
Topic: Wade Pfau: retirement income strategies
Replies: 17
Views: 2076

Re: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS

If anyone has an opinion on the likely tracking error vs. their index for the EM or foreign funds, please post.

Many small/value/fundamental EM and foreign funds lag behind their index by more than the expense ratio.
by lazyday
Thu Mar 27, 2014 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: Thoughts on iShares Enhanced ETF [IELG, IESM, IEIL, IEIS]
Replies: 16
Views: 1457

Re: early retirement..... any program to roth conversion??

For your research: - Not all plans have a cutoff of 59.5. I think you can easily start withdrawals around 55 for 401k. Maybe Keogh, not sure. - There may be other advantages to 401k and Keoghs vs IRA depending what state you live in and how wealthy you are. There's been threads on this. The advanta...
by lazyday
Wed Mar 26, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: early retirement..... any program to roth conversion??
Replies: 20
Views: 1233

Refurbished Chromebook $150

XP straggler and don't need any Windows software? Brand new it's $199 . Great reviews: http://www.amazon.com/Acer-C720-Chromebook-11-6-Inch-2GB/dp/B00FNPD1VW Manufacturer refurbished for $150 : http://www.amazon.com/gp/offer-listing/B00IJD3QTC Also see http://www.bogleheads.org/forum/viewtopic.php?f...
by lazyday
Wed Mar 26, 2014 4:39 pm
 
Forum: Personal Consumer Issues
Topic: Refurbished Chromebook $150
Replies: 3
Views: 526

Re: {Charity} Online course: philanthropy

I am planning on auditing the class because I couldn't figure out the cost of the session. If it's reasonable and the time restraints are manageable, it would be great to be eligible to vote. Does anyone know the cost? You might find more info here: http://www.learningbygivingfoundation.org/mooc/co...
by lazyday
Wed Mar 26, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: {Charity} Online course: philanthropy
Replies: 3
Views: 336

{Charity} Online course: philanthropy

https://www.edx.org/course/edx/edx-gwpx-giving-purpose-1481 Giving With Purpose: How to get the most out of your charitable giving The goal of this non-credit course is to prepare students to become more purposeful givers and engage more effectively with nonprofit organizations in their communities....
by lazyday
Tue Mar 25, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: {Charity} Online course: philanthropy
Replies: 3
Views: 336

Re: Really confused by Bernstein

"...or at least what caused them to say it..." Makes sense. Also might be helpful to look at their perspective and experience. For example, in Unconventional Success, Swensen suggested a high % of REITs. This might have been partly due to his experience with institutional RE investing. Su...
by lazyday
Tue Mar 25, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

why don't you go chat up a few retirees .... Indeed, they might well smile at some of the pretense that informs some of the responses you have received. .... I talk to them every day--mainly at the gym, bookstores, and coffee shops. You would be astonished by how differently they have gone about re...
by lazyday
Tue Mar 25, 2014 7:03 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

Retirement funding is a problem that can have many possible solutions. Which we choose will depend on our personal circumstances and tastes. Lately the Lifecycle solution of safe assets to cover required spending has been gaining in popularity. It may not be the best approach for everyone. For examp...
by lazyday
Tue Mar 25, 2014 6:57 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

This is why I don't do guruism. As much as I admire folks like John Bogle, Dr. Bernstein, Rick Ferri, Larry Swedroe, and others on this forum I have points of disagreement with each of them. I don't see this as a problem. Following a guru does not mean that we don't need to think critically about t...
by lazyday
Tue Mar 25, 2014 6:49 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

.... $400,000 be used to purchase TIPS and inflation indexed annuities. You still have another $400,000 to invest in the 60/40 portfolio, in whatever mix you prefer depending on the level of risk you want to take with the non-floor portfolio. I'd think with a sturdy floor covered, it could make sen...
by lazyday
Tue Mar 25, 2014 6:48 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

I'm pretty sure Dr. Bernstein said several years ago that he'd changed his mind about the ability of well-informed investors to manage their own portfolios adequately. I think watching investor behavior during the more recent downturn has made him even less hopeful about the prospects for DIY'ers, ...
by lazyday
Tue Mar 25, 2014 6:45 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Really confused by Bernstein

richk2 wrote:, where I live, it takes a lot of money for a lifestyle that I don't consider very lavish

Many people retiree to a new location.
by lazyday
Tue Mar 25, 2014 6:41 am
 
Forum: Investing - Theory, News & General
Topic: Really confused by Bernstein
Replies: 168
Views: 12881

Re: Tilters: how much would you pay for a tilt?

The more a fund is tilted, the less of it needed and the higher the ER a tilter should be willing to pay.

A "Pure" small value fund might have a high ER but still be worth it for a tilter.
by lazyday
Thu Mar 20, 2014 12:40 pm
 
Forum: Investing - Theory, News & General
Topic: Tilters: how much would you pay for a tilt?
Replies: 18
Views: 1458

Re: I don't want to upgrade XP just yet, is that ok?

that guy is trippin hairy cow won't stop shredding the orange snows
by lazyday
Thu Mar 20, 2014 6:26 am
 
Forum: Personal Consumer Issues
Topic: I don't want to upgrade XP just yet, is that ok?
Replies: 86
Views: 6340

Re: Replacement for Windows XP Computer

If possible get a Ubuntu or Linux Mint Live CD and try it out. You might like it. It's pretty easy to download and make a Live CD or Live USB. Your WIndows install will be safe, you just boot the Live OS. For an old computer, lubuntu will run faster than Ubuntu or Mint. If the computer uses an i3 o...
by lazyday
Thu Mar 20, 2014 5:34 am
 
Forum: Personal Consumer Issues
Topic: Replacement for Windows XP Computer
Replies: 72
Views: 4166

Re: if you have switched from bonds to cash.....

I've used CDs and I Bonds instead of cash. Over the last few years, there's been CDs of up to 10 year maturity with better yield than Treasuries. Often with low early withdrawal penalties. I Bonds can be held for 1 to 30 years. Also a low early withdrawal penalty. In general when changing AA, I will...
by lazyday
Thu Mar 20, 2014 5:25 am
 
Forum: Investing - Help with Personal Investments
Topic: if you have switched from bonds to cash.....
Replies: 9
Views: 1155

Re: XP to 7--please spell out what I buy, where, how much

It's so nice with Linux to not have to worry about these things.

Well, there can be other hassles with Linux, but there is great support for old computers. And I've found upgrading very easy.

Chrome OS might be the ultimate no worry OS.
by lazyday
Tue Mar 18, 2014 1:09 pm
 
Forum: Personal Consumer Issues
Topic: XP to 7--please spell out what I buy, where, how much
Replies: 42
Views: 2255
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