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SIPC limit for multiple accounts at one broker

In the past, SIPC was vague about this. If you have $500,000 each in an individual account, IRA, and Roth IRA, are you covered for $1,500,000 or just $500,000? Opinions on this varied. Years ago in an article Fidelity warned that SIPC aggressively interprets its rules. The article implied that you s...
by lazyday
Fri Oct 31, 2014 11:12 am
 
Forum: Investing - Theory, News & General
Topic: SIPC limit for multiple accounts at one broker
Replies: 0
Views: 120

Re: Possibility of financial markets breakdown / transformat

With the awareness that the financial market exchanges may not be integris and therefore their survival is precarious. I've thought about holding some of my US assets as directly registered shares, so the company or at least the transfer agent has my name. Haven't taken the trouble yet. http://www....
by lazyday
Fri Oct 31, 2014 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Possibility of financial markets breakdown / transformation?
Replies: 14
Views: 1263

CD rate change schedule

Lately Penfed has run CD specials around year end. Looks like last two years it began the first of the December: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=127430 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=106264 Last year Navy Fed also had a good rate at year end or mayb...
by lazyday
Thu Oct 30, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: CD rate change schedule
Replies: 0
Views: 285

Re: Do stocks have an intrinsic fundamental value?

Amazing how some of those founders cropped up again, though.

Heard a tech entrepreneur on the radio claiming it's an advantage to have already gone bankrupt. She might have said something about experience and proving you're a risk taker.
by lazyday
Mon Oct 27, 2014 8:54 am
 
Forum: Investing - Theory, News & General
Topic: Do stocks have an intrinsic fundamental value?
Replies: 31
Views: 1966

Re: VGPMX: anyone contrarian enough to buy it?

Valuethinker wrote:Barrick is a train wreck of late and that's the largest stock in the sector.

Not anymore :twisted:

Probably has the highest enterprise value, since it has so much debt.
by lazyday
Mon Oct 27, 2014 7:25 am
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 64
Views: 8443

Re: Do stocks have an intrinsic fundamental value?

If a business is loss making you generally try to flog it at a minimum of Net Asset Value (which is always shrinking in that case). If you're an active investor or responsible manager. Years ago there were some dotcoms trading for less than net cash, but bleeding fast. I believe management had litt...
by lazyday
Mon Oct 27, 2014 7:10 am
 
Forum: Investing - Theory, News & General
Topic: Do stocks have an intrinsic fundamental value?
Replies: 31
Views: 1966

Re: Donee Unable to Accept Stock

Yes, technically you give up control of your fund--but the firm is very good about following your "requests". The form (you can fill them out online) allows you to direct your gift to a specific charitable or civic entity & to specify a particular (charitable) use for the money. I've ...
by lazyday
Mon Oct 27, 2014 6:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Donee Unable to Accept Stock
Replies: 22
Views: 1889

Re: Google Docs

richard wrote:What happened when you clicked on the link in Sidney's initial response to this thread?

uber, you can try logging out of google before clicking.
by lazyday
Mon Oct 27, 2014 6:36 am
 
Forum: Personal Consumer Issues
Topic: Google Docs [to share a spreadsheet publicly]
Replies: 12
Views: 1424

Re: Global Equity Markets — 40 Years of Evolution at a Glanc

Patrick,

It depends on the author's definition of "investable". An institutional investor may require a large free market float. There may also be requirements for diversification or reasonable political risk.

For some indexes, MSCI has defined "investable" or a similar term.
by lazyday
Mon Oct 27, 2014 5:43 am
 
Forum: Investing - Theory, News & General
Topic: Global Equity Markets — 40 Years of Evolution at a Glance
Replies: 10
Views: 1274

Re: VGPMX: anyone contrarian enough to buy it?

VGPMX is not a pure precious metal fund, but it certainly seems to follow the same trend as GDX/GDXJ, but with slightly less volatility I also have reservations about the VGPMX portfolio, but am picky about ER. If a reasonable withdrawal rate in retirement for me is 2%, GDX ER is more than 1/4 of t...
by lazyday
Mon Oct 27, 2014 5:27 am
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 64
Views: 8443

Re: VGPMX: anyone contrarian enough to buy it?

Thanks for the reminder.

Ignoring dividends:

Looks like it's back to the Dec 13/14 low, same time as prior post.

Since then, it's done about as well as Total International and Emerging Market funds. But worse than US. Morningstar says it's about 10% US stocks.
by lazyday
Sun Oct 26, 2014 3:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: VGPMX: anyone contrarian enough to buy it?
Replies: 64
Views: 8443

Re: So you think you're a Risk-taker?

People who have a larger chunk of gray matter in this area will, on average, have a greater tolerance for financial risk risk tolerance varies across activities and contexts and isn’t “a fundamental trait.” Glad to see this because I've been interested in investing risk behavior compared to risk in...
by lazyday
Sun Oct 26, 2014 9:18 am
 
Forum: Investing - Theory, News & General
Topic: So you think you're a Risk-taker?
Replies: 36
Views: 3800

Re: IRS Relents! Notice 2014-54 permits Basis Isolation

If I understand Fairmark correctly, this is no help for IRAs. But there is an older method that may work: aggregate, roll all pretax IRA $ into a 401k, convert the posttax to Roth. http://fairmark.com/wp-content/uploads/isolating-ira-basis.gif http://fairmark.com/retirement/roth-accounts/roth-conver...
by lazyday
Sat Oct 25, 2014 4:21 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Relents! Notice 2014-54 permits Basis Isolation
Replies: 85
Views: 8536

Re: IBM: Stock Buybacks Gone Wrong?

If IBM can't find productive ways to spend its money, isn't it better to return it to shareholders with dividends and buybacks? Better than taking on projects with low expected return. Or worse, overpriced acquisitions. Some drug companies have a habit of buying other companies at large premium. Doe...
by lazyday
Wed Oct 22, 2014 6:37 am
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 4063

Re: Leon Cooperman giving the same advice as Warren

Warren Buffett is telling the average Jane and Joe to say out of bonds and keep enough in cash to stay secure You don't have to own bond funds or cash. You could just use savings bonds and/or CDs. FDIC insurance and generous terms on savings bonds means you get a free lunch compared to institutions...
by lazyday
Tue Oct 21, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3271

Re: opening offshore bank account

For protection from identity theft and scams, look into paper I bonds. You can get up to $5000 per year by overpaying US taxes. There have been separate threads on protection from creditors, and lady geek posted a wiki page. Depending where you live and your asset level, there might be protection in...
by lazyday
Tue Oct 21, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: opening offshore bank account
Replies: 10
Views: 1009

Re: How does one hedge against deflation?

Reduce microcap and SV tilts. Tilt equity to quality, profitability, large, staples, and/or health care. Deflation can come with depression, when industry leaders often outperform distressed companies. Non-cyclicals can outperform economically sensitive sectors. A defense industry tilt might hedge a...
by lazyday
Tue Oct 21, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: How does one hedge against deflation?
Replies: 52
Views: 3874

Re: Long term return forecast [Research Affil. Expected retu

Remember if inflation higher than nominal corporate earnings will also be higher (and vice versa). Larry, In 1977, Warren Buffett made an elaborate accounting argument that corporate profits are directly harmed by inflation. http://fortune.com/2011/06/12/buffett-how-inflation-swindles-the-equity-in...
by lazyday
Sun Oct 19, 2014 7:18 am
 
Forum: Investing - Theory, News & General
Topic: Long term return forecast [Research Affil. Expected returns]
Replies: 33
Views: 2453

Re: Chromebox

Prices are down. The HP chromebox is currently $150 with free shipping at amazon. After price discount, rebate, promotional gift card, and visa payments discount, the Asus chromebox is about $123 at newegg. Chromebook prices are down too. Refurbished models of different brands are about $130 to $150...
by lazyday
Fri Aug 08, 2014 5:57 am
 
Forum: Personal Consumer Issues
Topic: Chromebox
Replies: 19
Views: 5334

Re: {Charity} Online course: philanthropy

https://www.coursera.org/course/changetheworld How to Change the World examines how we can develop “social goods” and use them to create networks of progressive change. Classes will explore the meaning of “social goods” and then address the following topics: Poverty and Philanthropy; Climate Change ...
by lazyday
Mon May 26, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: {Charity} Online courses: Philanthropy & Social Good
Replies: 4
Views: 592

Re: Get I Bonds now .1% or Nov? $5000 sitting interest free.

#Cruncher wrote:How can it not be an option?

I overpaid my taxes and will take $5,000 of the refund in I bonds.
by lazyday
Tue May 06, 2014 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get I Bonds now .1% or Nov? $5000 sitting interest free.
Replies: 7
Views: 2431

Re: Computer security -- a paradigm shift?

You can use a Chromebox and avoid putting your data on the cloud if you choose. From my research it seems a Chrome OS computer is the best compromise of high security, ease of use, reliability, and cost. Either a dedicated Chromebook/Chromebox just for banking and broker, or even if you also use it ...
by lazyday
Tue May 06, 2014 2:17 pm
 
Forum: Personal Consumer Issues
Topic: Computer security -- a paradigm shift?
Replies: 51
Views: 4837

Re: Get I Bonds now .1% or Nov? $5000 sitting interest free.

(not counting what iBonds return for inflation).

I'm including that. :)

http://www.treasurydirect.gov/news/pres ... atespr.htm
The 1.94% earnings rate for I bonds bought from May 2014 through October 2014 applies for the first six months after the issue date.
by lazyday
Thu May 01, 2014 1:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get I Bonds now .1% or Nov? $5000 sitting interest free.
Replies: 7
Views: 2431

Re: Socially Responsible (Progressive) Fund Options

Does your wife realize that money invested in funds generally do not go to the "bad" companies - unless it's an IPO. The dollars are simply going to other investors. You are not actually providing the "bad" companies with any money. You are indirectly providing them money if the...
by lazyday
Thu May 01, 2014 12:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9140

Re: Socially Responsible (Progressive) Fund Options

If there are industries she is comfortable with, sector ETFs might work. For example Vanguard has ETFs for Health Care, etc. Some fund companies have finer classes of industry. I like the idea of buying individual ethical companies from the S&P 500. This is another option. I wouldn't limit it to...
by lazyday
Thu May 01, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Socially Responsible (Progressive) Fund Options
Replies: 99
Views: 9140

Re: Does everyone have an Emergency Fund

I've generally gone without an emergency fund and have posted about why a few times. In old threads, Bob's not my name has posted about how easy it can be to access tax advantaged retirement accounts without penalty in several types of emergencies. Not just Roths. Maybe this is also on the wiki page...
by lazyday
Thu May 01, 2014 12:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Does everyone have an Emergency Fund
Replies: 51
Views: 4730

Get I Bonds now .1% or Nov? $5000 sitting interest free.

For those who watch how Treasury has set savings bond rates, recent real and nominal market rates, and/or inflation, do you have any guess if I bonds are likely to have a significantly better fixed rate in November? Investing the $5,000 in a savings account is not an option for me. I figure I am mis...
by lazyday
Thu May 01, 2014 12:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Get I Bonds now .1% or Nov? $5000 sitting interest free.
Replies: 7
Views: 2431

Re: Where are the Opportunities now ?

I probably haven't tasted the kool aid of Boglehead - I get it from your answers. .... are we not to take into account any valuations and tune out the market completely ? Being a value investor is much harder than it seems. It's hard to determine value and hard for most people to stick with investi...
by lazyday
Sun Apr 27, 2014 9:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Where are the Opportunities now ?
Replies: 37
Views: 3654

Re: Anyone have over 200 individual positions in their accou

I may have gone over 200. Certainly over 150. Mostly in tax advantaged accounts. I try to trade infrequently especially in taxable. Data for taxes could be a nightmare depending on how well you automate it. For example some brokers allow you to setup an alternate ID with limited permissions. I belie...
by lazyday
Sun Apr 27, 2014 8:41 am
 
Forum: Investing - Theory, News & General
Topic: Anyone have over 200 individual positions in their accounts?
Replies: 31
Views: 6776

Re: Chromebox

Asus Chromebox is back in stock. Click "Total Price" to sort for your location. https://www.google.com/shopping/product/12729079167609513037?q=asus+chromebox I haven't noticed any news on other Chromeboxes but there's rumors of a C200 Chromebook in May for $250 with a newer chip that uses ...
by lazyday
Fri Apr 25, 2014 12:10 pm
 
Forum: Personal Consumer Issues
Topic: Chromebox
Replies: 19
Views: 5334

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: 2076

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: 855

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: 2243

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: 3350

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: 3350

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: 3370

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: 3350

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: 3350

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: 3370

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: 2076

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: 3350

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: 3796

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: 1714

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: 8
Views: 1117

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: 609

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: 2531

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: 3350

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: 3350

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: 3350

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: 3350
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