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Re: Home equity loan as an asset?

Don't assume the home equity loan will be there for say layoffs. Banks can/will freeze home equity loans of people employed by companies that announce layoffs. They won't unfreeze them until you can prove you're not getting layed off. I have no idea if "not getting a warning notice" is eno...
by stratton
Fri Nov 21, 2014 5:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Home equity loan as an asset?
Replies: 26
Views: 1328

Re: Investing in IPOs / Risks, Warnings?

Even for companies as unambiguously successful as Twitter the question of how they monetize their eyeballs remains open. Take a look at the global advertising market and the global search market-- how much of that can they realistically grab? According to S&P Twitter is junk . :annoyed The cred...
by stratton
Mon Nov 17, 2014 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing in IPOs / Risks, Warnings?
Replies: 10
Views: 621

Re: Harry's razors

Might as well make this an investment question. :P

How many of you slice and dice instead of something simple like 3-fund?

:beer
by stratton
Sat Nov 15, 2014 9:05 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4902

Re: MS Windows 7 Dead [in 2020]?

Windows 7 final sales day was October 31 for CONSUMER copies.

Business systems with Windows 7 are still available.

Dell, as an example.

Paul
by stratton
Sat Nov 01, 2014 8:40 pm
 
Forum: Personal Consumer Issues
Topic: MS Windows 7 Dead [in 2020]?
Replies: 26
Views: 2244

Re: EmergDoc has Surpassed 10,000 posts!

Welcome to the, "I have too much time to spend on the BH board club."

Paul
by stratton
Tue Sep 30, 2014 5:18 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: EmergDoc has Surpassed 10,000 posts!
Replies: 32
Views: 3251

Re: Will you invest in Bill Gross's new bond fund?

nisiprius wrote:
Rodc wrote:Gross starting a new fund has no more interest to me than Hollywood gossip and has about the same impact on my investing.
What, you don't follow Fox on Stocks?

I prefer Fox in Socks by the great Dr. Seuss. :P

Paul
by stratton
Tue Sep 30, 2014 5:17 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3000

Re: Will you invest in Bill Gross's new bond fund?

PTTRX has a $25K minimum at Vanguard. Typically Pimco institutional funds are $25K minimum at Vanguard. Sometimes Pimco institutional funds are available for $100K minimums at Fidelity where they seem to randomly drop down to that amount. Wouldn't be surprised if they do this now to attract a little...
by stratton
Tue Sep 30, 2014 6:29 am
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 3000

Re: Bill Gross moving from PIMCO to Janus, Monday

Morningstar has made a seven page analysis of Pimco Total Return bond fund available for free.

http://submissions.morningstar.com/wp-c ... report.pdf

Paul
by stratton
Tue Sep 30, 2014 6:15 am
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 113
Views: 10429

Re: Will Bill Gross beat the Total Bond Market Index?

Yes, Bill Gross will "beat" Total Bond Market, but he'll take more risk with credit ratings, duration, foreign etc.

Paul
by stratton
Sat Sep 27, 2014 12:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Bill Gross beat the Total Bond Market Index?
Replies: 57
Views: 6031

Re: Thank you Alex Frakt and Larry Auton!!

Thanks Alex and Larry.
by stratton
Sat Sep 27, 2014 11:59 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you Alex Frakt and Larry Auton!!
Replies: 11
Views: 1277

Re: New Big iPhones - How to Upgrade Early?

I think the 6 regular should be a good size. Definitely won't do the 6+ Ironically, the more "premium" the phone the narrower the bezel around the outside in many cases. My past Nokia Lumia 521 , or 520, is about $60 to $80 and 4" screen with a fairly wide bezel. My Nokia Lumia 925 i...
by stratton
Sun Sep 21, 2014 7:34 am
 
Forum: Personal Consumer Issues
Topic: New Big iPhones - How to Upgrade Early?
Replies: 18
Views: 2263

Re: Cellular Service Surcharges, Taxes, and Fees

Washington State has no income tax so they make it up with other taxes. :P Cell phone taxes here add up to 24 to 26% based on one comparison map I've seen. They date from the 1990s when a cell phone was considered a luxury. The rest of the country is 8 to 10%. Prepaid cell plans are only charged sal...
by stratton
Sun Sep 21, 2014 7:26 am
 
Forum: Personal Consumer Issues
Topic: Cellular Service Surcharges, Taxes, and Fees
Replies: 18
Views: 1958

Re: iOS 8 on iPad 2

A slide into obsolescence: iOS 8 on the iPad 2 Generally, iOS 8 is noticeably slower and choppier than iOS 7, in everything from opening apps to typing. Back when we switched from iOS 6, we complained about how we could get 10 characters into typing something before the keyboard realized what was h...
by stratton
Wed Sep 17, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 on iPad 2
Replies: 4
Views: 1992

Re: Stable value funds with tickers?

Up until 2004 or 2005 there used to be some that were available in an IRA, but some regulatory interpretation caused them to become open ended short term bond mutual funds.

Paul
by stratton
Tue Sep 16, 2014 6:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stable value funds with tickers?
Replies: 8
Views: 759

Re: Hamilton watches, worth the money?

VictoriaF wrote:
parsi1 wrote:I wonder what kind of watch Jack Bogle and Warren Buffett Wear. :confused :?:


Do you think they share a watch?

Victoria

They probably set up a calendar a year in advance and FedEx the watch overnight to each other.

Paul
by stratton
Tue Sep 16, 2014 6:32 pm
 
Forum: Personal Consumer Issues
Topic: Hamilton watches, worth the money?
Replies: 262
Views: 14043

Re: Cliff Asness note on CALPERS firing hedge funds

https://www.aqr.com/cliffs-perspective Personally I think Cliff is one of the brightest minds (and funniest) in finance. Always worth reading what he writes, even if you don't agree with him. Larry Yes, his comments about Antti Ilmanin and yellow sticky notes in the forward to Expected Returns is h...
by stratton
Tue Sep 16, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: Cliff Asness note on CALPERS firing hedge funds
Replies: 6
Views: 833

Alibaba is NOT coming to an index near you

Nice article at etf.com on Alibaba. Alibaba IPO’s Huge ETF Conundrum The issue with Alibaba, regarding index placement, deals with its incorporation in the Cayman Islands and its U.S. listing. Basically, according to the methodologies of indexing giants like MSCI and FTSE, a stock like Alibaba becom...
by stratton
Mon Sep 15, 2014 11:47 am
 
Forum: Investing - Theory, News & General
Topic: Alibaba is NOT coming to an index near you
Replies: 34
Views: 4380

Re: Could you sleep with all your money in Berkshire Hathawa

VictoriaF wrote:
rec7 wrote:Could you sleep with all your money in Berkshire Hathaway?


I can't sleep with my money in Berkshire Hathaway, unless I also sleep in Berkshire Hathaway.

Victoria

They own a furniture company that will probably sell you a bed and mattress. :P

Paul
by stratton
Sat Sep 13, 2014 11:26 pm
 
Forum: Investing - Theory, News & General
Topic: Could you sleep with all your money in Berkshire Hathaway?
Replies: 49
Views: 3977

Re: An Interesting Correlation

You've just discovered why the Harry Browne portfolio has long term treasuries. :P

Paul
by stratton
Sat Sep 13, 2014 11:24 pm
 
Forum: Investing - Theory, News & General
Topic: An Interesting Correlation
Replies: 22
Views: 2104

Re: I've never been a fan of commodity funds

Rick Ferri wrote:I've never been a fan of commodity funds

But index funds are commodities!

:P

Paul
by stratton
Sat Sep 13, 2014 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: I've never been a fan of commodity funds
Replies: 28
Views: 2348

Re: A 'really good book' you did NOT enjoy

Wuthering Heights.

Paul
by stratton
Sat Sep 13, 2014 10:59 pm
 
Forum: Personal Consumer Issues
Topic: A 'really good book' you did NOT enjoy
Replies: 229
Views: 11974

Re: Share your Hot-Rod Portfolio

Here's a REAL hot rod in a June 13, 2014 article. Formula One Said to Be Valued at $8 Billion CVC also is contemplating an initial public offering of Formula One, said the people, though that is unlikely before the resolution of a trial involving Chief Executive Officer Bernie Ecclestone. The trial ...
by stratton
Sat Sep 13, 2014 10:57 pm
 
Forum: Investing - Theory, News & General
Topic: Share your Hot-Rod Portfolio
Replies: 55
Views: 4371

Re: Citi: Just use leverage for 10% bond returns

If you want to see the effects of bond leverage, about 5x or 6x, just follow some mortgage reits.

A mortgage reit ETF is MORT.

Paul
by stratton
Thu Sep 11, 2014 2:22 pm
 
Forum: Investing - Theory, News & General
Topic: Citi: Just use leverage for 10% bond returns
Replies: 28
Views: 3320

Re: A Tribute to the Bogleheads

Heh.

I haven't read any of them. :-)

Paul
by stratton
Tue Sep 09, 2014 5:06 pm
 
Forum: Investing - Theory, News & General
Topic: A Tribute to the Bogleheads
Replies: 2
Views: 763

Re: "Absolute Return" Using Index Funds?

A permanent portfolio is a type of market neutral fund. :twisted:

25% stocks
25% T-bills
25% gold
25% long term 20+ year Treasuries.

Paul
by stratton
Sat Aug 30, 2014 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Absolute Return" Using Index Funds?
Replies: 18
Views: 2117

Re: Indexing in EM, and Templeton's Mobius

I like Templeton Global Small Cap (TEMGX), but not as an investment. The fund started June 1, 1981.

It's the longest running international small cap proxy I can find. :-)

Paul
by stratton
Sat Aug 30, 2014 6:04 pm
 
Forum: Investing - Theory, News & General
Topic: Indexing in EM, and Templeton's Mobius
Replies: 10
Views: 1022

Re: What's the Market Neutral fund good for?

I almost think the market neutral fund is for employee retention among the stock index fund managers. At last years BH visit to Vanguard I asked the head index fund managers what he thought about the market neutral fund and paraphrasing what he said, "It was his favorite because he got to pick ...
by stratton
Sat Aug 30, 2014 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: What's the Market Neutral fund good for?
Replies: 47
Views: 5889

Re: Is a 16% expense ratio technically possible?

This is an MLP fund like the etf AMLP which is structured as a c-corp. What you're seeing is the future (?) tax obligations. Most of the MLP CEFs are structured similarly such that the leverage is essentially an attic to hold the tax obligations. Either buy a really new one that doesn't have any acc...
by stratton
Mon Aug 18, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: Is a 16% expense ratio technically possible?
Replies: 15
Views: 1590

Re: When is a 3.75% load worth it?

You can get the institutional version at Vanguard for $25K minimum.

PIMCO Fundamental IndexPLUS AR Inst (PXTIX)
https://personal.vanguard.com/us/funds/ ... IntExt=EXT

0.79% ER.

No, I wouldn't buy this. :P

Paul
by stratton
Tue Aug 05, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: When is a 3.75% load worth it?
Replies: 79
Views: 5640

Re: how to visit the Pyrennes in a day?

Andorra?

Paul
by stratton
Mon Aug 04, 2014 6:11 am
 
Forum: Personal Consumer Issues
Topic: how to visit the Pyrennes in a day?
Replies: 2
Views: 344

Re: Reliability of stock data prior to 1939?

Spokane, Washington used to have an exchange 100+ years ago with lots of silver mining companies from Northern, Idaho listed.

Paul
by stratton
Mon Aug 04, 2014 6:10 am
 
Forum: Investing - Theory, News & General
Topic: Reliability of stock data prior to 1939?
Replies: 14
Views: 915

Re: Seattle Chapter?

East. :-)

We can meet in the middle on Mercer Island. I have no idea where.

Maybe we can get Bill Schultheis to let us borrow his coffee house.

Paul
by stratton
Sun Aug 03, 2014 10:53 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 6075

Re: Best Coffee Maker? What do you have?

I just have to post this... Latte Literature: The Girl Who Played with Fire Journalist Mikael Blomkvist searches for the troubled, but intrepid, Lisbeth Salander. Upon entering her apartment he “ admires in awe the espresso machine on its own table. She had a Jura Impressa X7 with attached milk cool...
by stratton
Fri Jul 25, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: Best Coffee Maker? What do you have?
Replies: 75
Views: 6422

Re: Whats a Better Lot in a Tract Home Neighborhood?

Not really enough info.

For example...

Cul-de-sacs have low walkability, but if you have kids they are great because of low traffic.

Paul
by stratton
Fri Jul 25, 2014 5:25 pm
 
Forum: Personal Consumer Issues
Topic: Whats a Better Lot in a Tract Home Neighborhood?
Replies: 31
Views: 2300

Re: Value Overvalued

Sounds like an excuse for market timing.

Paul
by stratton
Sun Jul 20, 2014 11:17 pm
 
Forum: Investing - Theory, News & General
Topic: Value Overvalued
Replies: 23
Views: 2367

2014 Definitive Guide To China ETFs

ETF.com published their 2014 Definitive Guide To China ETFs a couple months ago. It's complicated with six share classes. Investing in China just got even trickier. There are now more than 30 U.S.-listed China equity ETFs to choose from, ranging from size and style funds to sector- and theme-specifi...
by stratton
Fri Jul 11, 2014 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: 2014 Definitive Guide To China ETFs
Replies: 0
Views: 541

Re: What Book Are You Currently Reading? Part V

Mickey Spillane's Mike Hammer:

My Gun is Quick
Vengeance is Mine

The latter a 1957 paperback in nice condition. Only slightly yellowed!

Paul
by stratton
Thu Jul 10, 2014 4:25 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212990

Re: Does corporate credit risk add value

My idea of taking on more credit risk would switching from intermediate duration Total Bond Market to Short Term Investment Grade.

Trade some duration risk for a bit more credit risk.

Paul
by stratton
Thu Jul 10, 2014 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Does corporate credit risk add value
Replies: 71
Views: 4474

Re: What Book Are You Currently Reading? Part V

The Girl Who Played with Fire graphic novel by Denise Mina. Pretty good, but plot pruned like a movie. One volume unlike the Dragon Tattoo graphic novel which was in two books. Probably didn't sell that well hence the cheaper edition. No information whether Kicked the Hornets Nest will ever be prod...
by stratton
Mon Jun 23, 2014 4:20 pm
 
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1212990

Re: 3 days in Seattle

There is a Klondike Gold Rush National Historic museum near Pioneer Square.

http://www.nps.gov/klse/index.htm

Museum about Pioneer Square history and new waterfront tunnel set up by the WA DOT.

http://www.wsdot.wa.gov/Projects/Viaduct/Milepost31

Paul
by stratton
Mon Jun 23, 2014 4:15 pm
 
Forum: Personal Consumer Issues
Topic: 3 days in Seattle
Replies: 10
Views: 842

Re: Former Employee 401K Plan Options with [Restrictive] Pla

Are you throttled on the stable value fund, if any?

It's not uncommon for things like 10% per month limit when companies convert to a new stable value fund. I haven't seen that for individual employees, but you should probably look for that and/or $ thresholds.

Paul
by stratton
Mon Jun 23, 2014 4:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Former Employee 401K Plan Options with [Restrictive] Plans
Replies: 14
Views: 715

Re: Seattle Restaurants

I'm not big on atmosphere and more into the food value per $. Thai: Bai Tong in a strip mall near Southcenter and in Bellevue. Breakfast: Original Pancake House in Ballard or Kirkland. Very high end 24 hour diner; 13 Coins near SeaTac airport or downtown near Seattle Center. If you want steak & ...
by stratton
Tue Jun 17, 2014 7:00 pm
 
Forum: Personal Consumer Issues
Topic: Seattle Restaurants
Replies: 17
Views: 1080

Re: The 2 comma paradox

VictoriaF wrote:I wonder if Groucho Marx would have joined the two-comma club if it had accepted him.

Victoria

Groucho has standards. He won't join any club that would allow him in.

:P

Paul
by stratton
Mon Jun 09, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: The 2 comma paradox
Replies: 155
Views: 14884

Re: Seattle Chapter Dead....

I tried getting a couple of get togethers going and no one showed up. Subsequent people had better luck.

Paul
by stratton
Sun Jun 08, 2014 4:24 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 6075

Re: Sortino ratio, Back testing, and Monte Carlo simulations

The bond bull market from 1981 going forward really makes things look good. Be very careful of that. The best predictor of future bond returns is their current yield.

Look at bond returns post WW2 through 1980 and you'll see why. Long term bonds lost a lot real value.

Paul
by stratton
Sun Jun 08, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Sortino ratio, Back testing, and Monte Carlo simulations
Replies: 6
Views: 301

Re: Seattle Chapter Dead....

Yoo hoo!

Anybody home?

Paul
by stratton
Fri Jun 06, 2014 12:39 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 65
Views: 6075

Re: Vanguard naming of bond funds

Wait until you compare the duration of short and limited muni bonds to the durations of Vanguards other short term bonds. :mrgreen:

Bwahahaha!
by stratton
Fri Jun 06, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard naming of bond funds
Replies: 18
Views: 1332
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