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Re: What savings vehicle should I use for my car?

Currently there are various banks with special programs that offer 4-5% interest and carry FDIC insurance. A few that come to mind are Mango Money , NetSpend , and BBVA Compass Build my Savings . They require some work to keep up with the rules and maximize your yield but one could easily sock away ...
by pradador
Thu Oct 30, 2014 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: What savings vehicle should I use for my car?
Replies: 35
Views: 1659

Re: Want to Convert Tape and Vinyl to Digital

I've got a bunch of old cassette tapes and vinyl LPs that I want to convert to digital. I'd be interested in hearing about devices that people have used to accomplish this. Does your turntable have a built in phono preamp? If it's external you can switch to one of these for digital recordings: ART ...
by pradador
Mon Oct 13, 2014 5:06 pm
 
Forum: Personal Consumer Issues
Topic: Want to Convert Tape and Vinyl to Digital
Replies: 23
Views: 1006

Re: A fund/ETF API that has historical prices?

Yahoo's API actually has support for historical data, but it is not officially supported, and tends to go down frequently. Also it does not do monthly prices... Only daily... Which ends up being too large a query, hence why they probably discourage its use. I've used the Yahoo! CSV API for the Fund...
by pradador
Thu Oct 09, 2014 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: A fund/ETF API that has historical prices?
Replies: 6
Views: 473

Re: S&P 500 Price chart by all-time highs

I downloaded the SP500 from Yahoo and did a quick running peak detect algorithm in Excel: I see the difference. I think I'm just misusing the term all-time high which is what a peak graph does. What I'm looking for is when a price is finally "locked-in" vs when a price is first reached. E...
by pradador
Thu Oct 02, 2014 3:36 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 835

Re: S&P 500 Price chart by all-time highs

That's a cool representation. I wonder if you could give the chart a "log" scale instead of "linear"? Combined log scale chart: http://i.imgur.com/mwENkn0.png The second chart doesn't look right. For one, the plateaus don't correspond with the peaks in the first chart. Here's a ...
by pradador
Thu Oct 02, 2014 2:17 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 835

S&P 500 Price chart by closing milestones

I was playing around with some data and found it interesting to graph S&P 500 prices by the latest date that they reached a "permanent" all-time high. It takes the chart from this... http://i.imgur.com/NYoKkZT.png ...to this http://i.imgur.com/PmpevLs.png The large plateau from around ...
by pradador
Thu Oct 02, 2014 12:03 pm
 
Forum: Investing - Theory, News & General
Topic: S&P 500 Price chart by closing milestones
Replies: 8
Views: 835

Re: Paying for wedding, buying first home, and FICO

I was planning on applying for a new rewards credit card to pay for all of our wedding expenses so they are all in one place and easier to track; and also to take advantage of some of the bonuses available now to help fund our honeymoon. ... Will the wedding expenses and new credit card drop my sco...
by pradador
Sat Sep 27, 2014 8:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying for wedding, buying first home, and FICO
Replies: 5
Views: 656

Re: Due diligence on RAFI Pure Small Value

Not sure how that is possible. By almost all accounts, RZV is probably the most "valuey" fund out there, and, the big knock on it has always been it's negative momentum load, which, by the way, is a product of how "valuey" it is. By almost any measureable, RSV is much more value...
by pradador
Mon Sep 22, 2014 8:29 pm
 
Forum: Investing - Theory, News & General
Topic: Due diligence on RAFI Pure Small Value
Replies: 187
Views: 17007

Re: Why Not Buy Vanguard ETFs Through Schwab?

And the International ETF is also cheaper at Schwab (0.14% for VXUS versus 0.08% for SCHF, although I understand the Vangard ETF has better diversification in this category at least and might be worth paying more for.) Take a look at their other international ETFs. SCHF covers just international la...
by pradador
Thu Sep 18, 2014 7:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Why Not Buy Vanguard ETFs Through Schwab?
Replies: 18
Views: 2007

Re: How to get Fama-French EAFE Factors, with results

Just visited the Fama-French Data Library to update the www.fundfactors.com website and noticed there's a new dataset for the Global Ex-Us Factors. I wonder how long it's been available for and how it compares to these factor returns? EAFE + Canada shouldn't be too different from EAFE.
by pradador
Thu Sep 18, 2014 7:02 pm
 
Forum: Investing - Theory, News & General
Topic: How to get Fama-French EAFE Factors, with results
Replies: 40
Views: 6404

Re: 3-Fund Low Beta/High Tilt Portfolio

AQR Style Premia (QSPNX) has only been around 10 months but here's a four-factor regression using Fama-French global factors on it since inception: Symbol Name Rm-Rf SMB HML Mom Alpha R2 QSPNX AQR Style Premia Alternative Fund Class N -0.14 -0.93 1.15 0.45 -0.34% 0.781 This suggests a neutral exposu...
by pradador
Thu Sep 18, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: 3-Fund Low Beta/High Tilt Portfolio
Replies: 3
Views: 366

Re: What are you up YTD?

6.46% time-weighted return YTD on a 90/10 portfolio. Russell 2000 Value has not done well this year.
by pradador
Fri Aug 29, 2014 9:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18600

Targeted Intermediate Treasury Funds vs Market-cap Weighing?

Intermediate term treasuries are sometimes recommended as the "sweet spot" of risk/reward for the bond part a portfolio. Of the funds that meet this criteria, there are some that focus on that specific maturity zone and others that invest in all maturities but whose market-cap weighing mak...
by pradador
Fri Aug 29, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Targeted Intermediate Treasury Funds vs Market-cap Weighing?
Replies: 2
Views: 360

Re: New iShares Global REIT ETF

VEET: 238 holdings; 62% US, the rest in UK, Australia, Japan, Canada, France, and a couple others. On the other hand Vanguard's REIT Index has 138 holdings, and their Ex-US REIT Index has 532 holdings with a much larger percentage of emerging markets. I think REET would make a good choice for many ...
by pradador
Tue Aug 19, 2014 2:00 am
 
Forum: Investing - Theory, News & General
Topic: New iShares Global REIT ETF
Replies: 5
Views: 628

New iShares Global REIT ETF

Any thoughts on the new iShares Global REIT ETF (REET)? It tracks the FTSE EPRA/NAREIT Global REIT Index which seems to be composed of REITs instead of an index with a mix of REIT and Real Estate companies as other international real estate ETFs do. Expense ratio looks great as well at just 0.14%. S...
by pradador
Mon Aug 18, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: New iShares Global REIT ETF
Replies: 5
Views: 628

Re: Help selecting a bond fund from my 401k

Speaking of which, you didn't ask about this, but is the S&P 500 index fund your only stock fund? Have you considered a small cap fund or an international fund? Thanks for sharing your thoughts hoppy08520. I'm reconsidering just going with the SSgA Bond Index fund as you said as it matches my t...
by pradador
Sat Aug 16, 2014 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 733

Re: Help selecting a bond fund from my 401k

I'm having a hard time following this. Is there an editing mistake that mixes up account 1 and account 2? Could you lay out your proposed options (1, 2, 3) showing the actual proposed allocations? Here's some sample numbers that simulate the accounts: $100,000 total, target 80/20 split so $80,000 S...
by pradador
Sat Aug 16, 2014 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 733

Help selecting a bond fund from my 401k

I manage my asset allocation spread across multiple accounts and previously had all bonds in my IRA and stocks in 401k to optimize expense ratios. However, due to changes in account balances I now need to pick from the bond funds in my 401k accounts. These are the funds I use in my IRA and have avai...
by pradador
Fri Aug 15, 2014 8:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help selecting a bond fund from my 401k
Replies: 5
Views: 733

Re: MOM exposure-- AQR Managed Futures (AQMIX)?

For what it's worth, here's the 4-factor regression for AQMIX since inception: 4F Regression from Mar 2010 - Dec 2013 Rm-Rf SMB HML Mom Alpha R2 0.05 0.48 0.11 0.44 -4.58% 0.215 Standard error 0.0878 0.2545 0.3199 0.1732 0.0042 t-statistics 0.62 1.89 0.35 2.55 -0.92
by pradador
Thu Jun 05, 2014 7:13 pm
 
Forum: Investing - Theory, News & General
Topic: MOM exposure-- AQR Managed Futures (AQMIX)?
Replies: 36
Views: 1913

Re: No BOSVX or DFSVX -- what other SCV choices?

It looks like you're right. It looks like another EM etf, TLTE, has a smaller average cap ($31B vs. $44B). It is advertised as being tilted toward value and small. Morningstar shows both as value-tilted large-cap. EVAL is more value tilted than TLTE. I like TLTE as it is comparable to DFA Emerging ...
by pradador
Mon Jun 02, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: No BOSVX or DFSVX -- what other SCV choices?
Replies: 54
Views: 3138

Re: Even C. Schwab is getting religious

I'm surprised their funds don't get more attention here. They have low minimum ($100), low cost funds with Total Stock Market, International (EAFE), Total Bond Market, and TIPS index for a 3-4 fund portfolio. For slice--and-dicers you can add International Small-cap, Emerging Markets, REITs, or Inte...
by pradador
Fri May 30, 2014 1:00 pm
 
Forum: Investing - Theory, News & General
Topic: Even C. Schwab is getting religious
Replies: 3
Views: 1328

Re: Mango prepaid card - 4.8% (effective) APY

Just got a letter from them and it looks like Mango Money will decrease the monthly fee to $3 but eliminate the waiver when you load $500 come June 15. This will slightly increase the effective APY to 5.28% for those who don't get the waiver.
by pradador
Thu May 29, 2014 12:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 74
Views: 26607

Re: $300K to Invest at Schwab

A classic three fund portfolio typically recommended here is a combination of a Total US Stock Market fund, a Total International Stock Market fund, and a Total Bond Market Fund. Schwab has the US and Bond funds but only has the split components for international. Approximating Total Intl Stock Mark...
by pradador
Wed May 21, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: $300K to Invest at Schwab
Replies: 12
Views: 1387

Total Market fund for Developed countries only

For those that overweight/split ex U.S. Developed and Emerging markets, what foreign "Total Stock Market" fund are you using? Vanguard's funds are great but are either missing Canada, small caps, or include Emerging Markets. Ideally i'm looking for a market capitalization weighed developed...
by pradador
Wed May 21, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market fund for Developed countries only
Replies: 1
Views: 253

Re: Mango prepaid card - 4.8% (effective) APY

I had opened a second account with Mango using a second cell phone number I got from Tracfone. I had gotten a free refurbished Tracfone phone with a purchase of an airtime card that lasted 90 days, I think. I don't use the phone for anything else. I figured the airtime which was about $20 would be ...
by pradador
Wed May 21, 2014 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 74
Views: 26607

Re: 5-Year 3.05% APR Annuity - Worth Exploring?

This is a similar tactic to the one covered in MyMoneyBlog at http://www.mymoneyblog.com/new-marketin ... rates.html
by pradador
Sat May 17, 2014 3:54 pm
 
Forum: Investing - Theory, News & General
Topic: 5-Year 3.05% APR Annuity - Worth Exploring?
Replies: 18
Views: 1565

Re: Can my computer hear me?

Maybe a case of Baader-Meinhof Phenomenon?
by pradador
Tue Apr 22, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Can my computer hear me?
Replies: 54
Views: 10010

Re: Buenos Aires and Macchu Picchu?

Buenos Aires has some of the best ice cream I've ever had. Freddo was a popular place and Via Flaminia was my favorite.
by pradador
Mon Apr 21, 2014 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Buenos Aires and Macchu Picchu?
Replies: 20
Views: 1898

Re: Why are total bond market funds so often recommended?

There's only a .6% yield difference between it and the Vanguard Intermediate Treasury fund, and since TBM is a bit riskier, you could compensate by holding slightly more stocks with the treasury fund. I made the switch to intermediate treasuries recently but find myself wanting to add corporates fr...
by pradador
Tue Apr 15, 2014 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Why are total bond market funds so often recommended?
Replies: 52
Views: 5378

Re: HTTPS [Request to implement HTTPS for this site]

Posts from the user detailing their plans to possibly leave their existing employer due to boredom, unhappiness, low pay, insufficient benefits, or a better job offer will be sent **in the clear** which could easily be logged by the company. Does the owner/administrators not realize that I could ge...
by pradador
Fri Apr 04, 2014 8:59 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 8463

Re: HTTPS [Request to implement HTTPS for this site]

I'd like to see SSL support for the whole site as well.
by pradador
Fri Apr 04, 2014 8:47 am
 
Forum: Forum Issues and Administration
Topic: HTTPS [Request to implement HTTPS for this site]
Replies: 52
Views: 8463

Re: Which Bond Fund Best Represents The Bond Market?

From http://www.learnbonds.com/how-big-is-the-bond-market/ you can see what the U.S. bond market looks like. http://www.learnbonds.com/wp-content/uploads/outstanding-us-bond-market-size.png Even Total Bond Market funds don't represent the "total U.S. bond market". Here's VBILX breakdown: h...
by pradador
Wed Apr 02, 2014 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Best Represents The Bond Market?
Replies: 5
Views: 872

Re: Switching to Treasury Fund

Thanks for the info on the bid/ask spreads. It makes a convincing argument for SCHR.

nimo956 wrote:Are there any fees for buying and selling Treasuries directly? It's pretty easy to manage once you learn how to do it.


I like this idea as well but at my current portfolio value ETFs/Funds are more practical.
by pradador
Sun Mar 30, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to Treasury Fund
Replies: 9
Views: 1247

Switching to Treasury Fund

I originally selected PIMCO Total Return as my bond fund because I was unsure about fixed income strategies. After much reading, I want to make the switch to Intermediate Treasuries as a core bond holding. My broker is currently Merrill Edge where my options are expensive no-fee funds, Vanguard Fund...
by pradador
Sun Mar 30, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Switching to Treasury Fund
Replies: 9
Views: 1247

Re: SCV: has the small or the value kinda fallen out of favo

Here's 10-year moving averages of the Mkt/SmB/HmL returns from the Fama-French research factors.

Image

Some matching sample returns for 2000-2010

Image
by pradador
Thu Mar 27, 2014 2:35 am
 
Forum: Investing - Theory, News & General
Topic: SCV: has the small or the value kinda fallen out of favor??
Replies: 28
Views: 2329

Re: RZV Regression [Guggenheim S&P SmallCap 600 Pure Value]

There's a lot of drift on the factor loadings if you look at 36-month rolling regressions. HmL shows a downtrend for the past few years while SmB has decreased as well.

Image
by pradador
Tue Mar 25, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: RZV Regression [Guggenheim S&P SmallCap 600 Pure Value]
Replies: 20
Views: 1462

Re: Difference - Ttl Intl Stock Mrkt Indx & All Wrld ex-US i

All World ex-US tracks the FTSE All-World ex US Index while Total International Stock Market tracks the FTSE Global All Cap ex US Index . If you look at the fact sheets you can see that All-world specifically tracks Large and Mid caps while Global All Cap tracks large, mid, and small capitalization ...
by pradador
Sat Mar 15, 2014 4:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Difference - Ttl Intl Stock Mrkt Indx & All Wrld ex-US indx?
Replies: 3
Views: 421

Re: More Efficient Emergency Fund

There's a lot of prepaid debit cards out there now with an FDIC insured savings account that pays between 4-5% interest after fees on up to $5K. Mango Money, NetSpend, and PayPal Prepaid to name a few. It can be work to set up, but it seems to me like they are a good place to look before taking on m...
by pradador
Tue Mar 04, 2014 10:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: More Efficient Emergency Fund
Replies: 28
Views: 2661

Re: You know you're a Boglehead when ...

When you fantasize about winning the mega-millions jackpot and come up with the perfect 3-fund portfolio for the 300 million payout.
by pradador
Mon Mar 03, 2014 11:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 17151

Re: Betterment portfolio optimization

Sounds like Rick Ferri and Betterment have worked together before, see https://www.betterment.com/about/press/rick-ferri-whitepaper-index-fund-portfolio/ Also, sounds like he recommends them at https://www.betterment.com/about/newsroom/financial-advisors-who-protest-too-much-are-probably-overchargin...
by pradador
Tue Feb 25, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Betterment portfolio optimization
Replies: 65
Views: 6268

Re: ETF Muni bond allocation

Not sure what you mean by this , but a couple of thoughts. What you are after (a 6% return with monthly payments) might be achievable - at least in theory - with leveraged bond funds, preferred stocks, etc., but you are taking on substantial equity-like risk with principle. What you might consider ...
by pradador
Tue Feb 25, 2014 4:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF Muni bond allocation
Replies: 30
Views: 1898

Re: ETF Muni bond allocation

I apologize for my above post being so abrupt. As was stated above (and as I'm sure you know), bond yield is a way of pricing credit and or duration risk. So higher yields=higher risk. That said, and if you are against further annuitization, would it be possible to re-examine your attitude towards ...
by pradador
Mon Feb 24, 2014 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETF Muni bond allocation
Replies: 30
Views: 1898

Re: Making a case for bonds (All About Asset Allocation)

Aaronh, you are looking for a silver bullet that doesn't exist. Add bonds only if you would prefer less volatility to maximum return. That is the one good reason to add bonds -- in my opinion, a good reason indeed. But there is no reason to expect higher returns from the addition of bonds. It could...
by pradador
Mon Feb 24, 2014 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Making a case for bonds (All About Asset Allocation)
Replies: 44
Views: 2901

Re: ETF Muni bond allocation

Don't have a good answer but I thought that this research paper by Vanguard might be relevant: Total-return investing: An enduring solution for low yields
by pradador
Sun Feb 23, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF Muni bond allocation
Replies: 30
Views: 1898

Re: Tools for developing PHP / MySQL-based data driven web s

I would recommend Zend Studio as an IDE. It is maintained by the developers of PHP and supports modern best practices. Symfony is my PHP framework of choice for any project and provides a great foundation.
by pradador
Fri Feb 21, 2014 11:54 am
 
Forum: Personal Consumer Issues
Topic: Tools for developing PHP / MySQL-based data driven web site?
Replies: 74
Views: 8026

Re: Skip IRA for 1 year to buy engagement ring

2)What's the matter with 'Honey, we can buy a so-so ring for $1000 or a nice one for $5000. If we save the difference and get 6% return, in 40 years it will be worth $40000. That might mean being able to retire at 64 instead of 65. I'm wondering if an extra year of relatively youthful retirement to...
by pradador
Thu Feb 20, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Skip IRA for 1 year to buy engagement ring
Replies: 194
Views: 13820

Re: Maximum upside of bonds?

Oh, if only, if only, there were some kind of bond that was, I don't know, indexed for inflation or something like that. One could imagine a parallel universe in which there were, what could you call them? Real return bonds? Treasury inflation protected securities? I know what you'll say "Drea...
by pradador
Tue Feb 18, 2014 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Maximum upside of bonds?
Replies: 14
Views: 1337

Re: Maximum upside of bonds?

As a buy-and-hold investor, even if there are small departures in practice, the way I think about bonds is in terms of holding to maturity. To me, fluctuations in value are just a nuisance. To take advantage of an "upside" in bonds involves speculation. I don't even think of bonds as havi...
by pradador
Tue Feb 18, 2014 5:07 pm
 
Forum: Investing - Theory, News & General
Topic: Maximum upside of bonds?
Replies: 14
Views: 1337

Maximum upside of bonds?

Let's say I buy a $1,000 of 10 year treasuries at 2.75%. It will pay $27.50 every year for 10 years at which point I get my $1,000 back. Assuming I held the bond to maturity, my return would be $1,275 for a CAGR of 2.46%. If immediately after purchase the interest rate of 10 year bonds dropped to 0....
by pradador
Tue Feb 18, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: Maximum upside of bonds?
Replies: 14
Views: 1337
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