Search found 10807 matches

by stratton
Sun Aug 02, 2015 7:04 pm
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2168

Re: Amazon reviews

However, I read reviews when I buy non-book items, e.g., travel stuff, food. In these cases, I critically read all reviews trying to understand what motivates every reviewer. Usually, my intuition and analysis work fine; occasionally I get something that's wrong for me. In the latter case, it's not...
by stratton
Sun Aug 02, 2015 6:58 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 240
Views: 20160

Re: Free Windows 10 Upgrade, Yes or No?

This PC World article talks a bit about the differences between Windows 8.x and 10. http://www.pcworld.com/article/2955454/windows/windows-10-superguide-everything-you-need-to-know.html?google_editors_picks=true Warning: auto starting video that shows some of the differences. There is also text so i...
by stratton
Fri Jul 31, 2015 6:37 pm
Forum: Personal Consumer Issues
Topic: Amazon reviews
Replies: 22
Views: 2168

Re: Amazon reviews

I try to avoid reading the 5-star and 1-star reviews. I read the ones in the middle, and pay attention to the actual content, not the rating. "Most helpful critical reviews" are good. If you're buying ebooks the 1-start and 2-star reviews are where the problems will show up. Especially fo...
by stratton
Fri Jul 31, 2015 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Think about moving from St Louis to Spokane how is the weather different?
Replies: 6
Views: 844

Re: Think about moving from St Louis to Spokane how is the weather different?

A lot of Spokane is in a valley and it has temperature inversions which can lead to dirty air.

Paul
by stratton
Fri Jul 31, 2015 6:14 pm
Forum: Personal Finance (Not Investing)
Topic: Auto Insurance - Consumer reports article/analysis
Replies: 12
Views: 1011

Re: Auto Insurance - Consumer reports article/analysis

How can someone just shop for auto insurance?

Homeowners, umbrella etc are all interlocking and insurers will require a customer to have every type of policy with one company. This does alleviate finger pointing between two insurance companies if there is a problem.

Paul
by stratton
Fri Jul 31, 2015 5:57 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 240
Views: 20160

Re: Free Windows 10 Upgrade, Yes or No?

Define "clean" install. When I "upgraded" my Windows 7 machine to Windows 8.1 where I had a $14 Windows 8 update s/n. -re-imaged it to a fresh Windows 7 and installed all patches. -installed Windows 8 via download and installed all patches. -installed Windows 8.1 via download and...
by stratton
Thu Jul 30, 2015 5:08 pm
Forum: Investing - Theory, News & General
Topic: A look at gold and Peter Schiff's forecasts
Replies: 15
Views: 1961

Re: A look at gold and Peter Schiff's forecasts

Here's an entire thread from this forum on the returns people had while investing with him.

viewtopic.php?t=31753

Off 60+% wasn't uncommon.

Paul
by stratton
Wed Jul 29, 2015 3:35 am
Forum: Investing - Help with Personal Investments
Topic: Puerto Rico Muni Bonds: Hard-To-Sell
Replies: 14
Views: 1641

Re: Puerto Rico Muni Bonds: Hard-To-Sell

Have you checked to make sure you might actually have some possibly decent quality bond(s)? When Jefferson County Alabama happened in the rush to dump bonds people were dumping bonds pre-refunded with treasuries. to paraphrase a bond manager, "If someone is going to throw out the baby with the ...
by stratton
Sat Jul 25, 2015 10:40 pm
Forum: Personal Consumer Issues
Topic: CrashPlan NOT a whole-drive system backup solution?
Replies: 29
Views: 1921

Re: CrashPlan NOT a whole-drive system backup solution?

Nisiprius, Have you looked at something like this: ioSafe 3TB Solo G3 Fireproof/Waterproof Hard Drive in the Apple store? Fireproof—1550º F, 1/2 hour per ASTM E119 Waterproof—can withstand 10 feet of water for days Comes formatted for Mac systems, so you can start using the drive immediately Physica...
by stratton
Tue Jul 21, 2015 8:32 pm
Forum: Personal Consumer Issues
Topic: Lifelock charged with possible fraud by the FTC
Replies: 5
Views: 937

Lifelock charged with possible fraud by the FTC

[Post merged into thread below. --admin LadyGeek] Since LifeLock keeps coming up here... FTC accuses ID protection service LifeLock of scamming customers—again The agency, in a federal suit filed in LifeLock's home state of Arizona, accuses the company of failing to notify its customers immediately...
by stratton
Sun Jul 19, 2015 3:46 pm
Forum: Investing - Theory, News & General
Topic: So many anomalies -- so little time: buy a nomaly basket
Replies: 22
Views: 1806

Re: So many anomalies -- so little time: buy a nomaly basket

What would such a portfolio look like, in practical terms, comprised of low-cost Vanguard funds? Is this an argument for the slice-and-dice small/value tilted portfolio? http://vanguardadvisorsblog.com/2013/12/04/introducing-vanguards-new-alphabet-etfs/ I read the blog and said to myself, "You...
by stratton
Wed Jul 15, 2015 9:20 pm
Forum: Investing - Theory, News & General
Topic: Frontier Markets - 5% of portfolio?
Replies: 51
Views: 3248

Re: Frontier Markets - 5% of portfolio?

Weird. FRN used to be 2/3 EM. Now it appears to be 100% frontier. Kuwait 15.21 % Nigeria 14.55 % Argentina 13.84 % Pakistan 10.53 % United States 9.88 % Kenya 9.76 % Oman 6.18 % Panama 5.78 % Kazakhstan 4.99 % Romania 4.48 % United Kingdom 3.97 % Poland 0.84 % I'm surprised nothing is listed for Sou...
by stratton
Wed Jul 15, 2015 8:22 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle (Eastside) meetup Sunday July 19
Replies: 4
Views: 761

Re: Seattle (Eastside) meetup Sunday July 19

The Panera Bread you've mentioned is in a strip mall that might have an address on Bellevue Way, but it's about two blocks deep. The Panera Bread really fronts off 106th Ave NE and NE 12th. It's about 3 blocks North on the opposite side of the street from the Top Pot donuts we've met at before. Paul
by stratton
Wed Jul 15, 2015 8:15 pm
Forum: Investing - Theory, News & General
Topic: If less than 30% EM, you are underweight?
Replies: 29
Views: 2451

Re: If less than 30% EM, you are underweight?

Pick an allocation you can stick with over the long-term. Yep. I have EM in an ex-US large camp fund and FTSE ex-US small cap. I have no need for a specific fund for Chinese A shares. Especially since a lot of them have listings in Hong Kong or other places outside mainland China. I spent my effort...
by stratton
Wed Jul 15, 2015 8:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: Muni bond market unlikely to feel impact of Puerto Rico woes.
Replies: 5
Views: 904

Re: Vanguard: Muni bond market unlikely to feel impact of Puerto Rico woes.

Vanguard Short-Term Tax-Exempt Fund, Vanguard Limited-Term Tax-Exempt Fund, and all our state municipal bond funds have no exposure at all. Which is in sharp contrast to some of the state-specific muni funds from some other firms which had invested up to 50% in Puerto Rican bonds. :? There's always...
by stratton
Mon Jul 13, 2015 11:12 am
Forum: Investing - Theory, News & General
Topic: DFA to run ETFs for John Hancock
Replies: 29
Views: 3592

Re: DFA to run ETFs for John Hancock

Six ETFs: John Hancock Multifactor Large Cap ETF John Hancock Multifactor Mid Cap ETF John Hancock Multifactor Consumer Discretionary ETF John Hancock Multifactor Financials ETF John Hancock Multifactor Healthcare ETF John Hancock Multifactor Technology ETF I'm only considering the first two of inte...
by stratton
Sun Jul 12, 2015 8:13 pm
Forum: Personal Consumer Issues
Topic: Trip to Montreal Canada
Replies: 21
Views: 1625

Re: Trip to Montreal Canada

In the Saturday WSJ: Insider's Guide to Montreal.

http://www.wsj.com/articles/insiders-gu ... 1436543072

Paul
by stratton
Mon Jun 22, 2015 3:23 pm
Forum: Personal Finance (Not Investing)
Topic: Should my husband become a nurse?
Replies: 71
Views: 8031

Re: Should my husband become a nurse?

If his last name is Ratched then he'll go far!

:twisted:

Paul
by stratton
Thu Jun 18, 2015 9:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard: "Performance report: Amid economic uncertainty, Vanguard funds still deliver."
Replies: 4
Views: 628

Re: Vanguard: "Performance report: Amid economic uncertainty, Vanguard funds still deliver."

I don't get this. The whole point of broad-market passive investing (AKA, bogleheadism) is not to outperform, it is to just average-perform, because average is the new out. So why would any serious boglehead care that Vanguard funds outperform? :) At the Bogleheads Conference a few years ago, Vangu...
by stratton
Thu Jun 18, 2015 6:50 pm
Forum: Investing - Theory, News & General
Topic: Article: Vanguard price cuts rattle the brokers who sell its funds
Replies: 5
Views: 2036

Re: Article: Vanguard price cuts rattle the brokers who sell its funds

A couple quotes from a financial advisor in the article. "They are going after my clients," said Rick Ferri , an independent Texas-based financial adviser and blogger who touts Vanguard's philosophy of keeping investment costs low and says he has put more than $1 billion of client money in...
by stratton
Thu Jun 18, 2015 1:28 am
Forum: Investing - Help with Personal Investments
Topic: Risks of ETN
Replies: 17
Views: 1412

Re: Risks of ETN

Swedroe: An ETN Credit-Risk Reality Check AIG, Lehman Brothers and Bear Stearns all had investment-grade ratings at the time of their collapses . Thus, during the financial crisis, credit risk became highly relevant. Lehman’s lineup of Opta ETN securities stopped trading around its time of default,...
by stratton
Sat Jun 06, 2015 3:00 pm
Forum: Personal Consumer Issues
Topic: I hate garage sales; do I have company?
Replies: 38
Views: 2644

Re: I hate garage sales; do I have company?

The 5am thing is unreasonable and they do have to have a rule about not opening until a later hour - and then not make anything available/visible before that time. For me the sales tax hassle and permit cost have made it not worthwhile to have a garage sale so far. sales tax? What town requires sal...
by stratton
Thu May 28, 2015 5:50 am
Forum: Investing - Theory, News & General
Topic: WSJ: Trading has shifted to the end of the day
Replies: 4
Views: 1023

WSJ: Trading has shifted to the end of the day

Remember Rick Ferri's comments about not doing your trading during the first or last hour of the day? :twisted: http://si.wsj.net/public/resources/images/OG-AE700_201505_E_20150527175238.jpg Traders Pile in at Close The middle of the day has become awfully quiet on the U.S. stock market, as index fu...
by stratton
Tue May 26, 2015 6:00 am
Forum: Investing - Theory, News & General
Topic: PXSV has changed indexes
Replies: 130
Views: 13174

Re: PXSV has changed indexes

etf.com article FTSE Russell Melding Ideas For The Future Last para in the article: Next Tuesday, we’ll announce with PowerShares some Russell pure-style index ETFs . We are building great momentum on a number of fronts. Don't know if that means May 26 or June 2 given the interview happened before M...
by stratton
Wed May 20, 2015 5:58 pm
Forum: Personal Finance (Not Investing)
Topic: WP: Five big banks agree to pay more than $5 billion to settle regulatory charges
Replies: 6
Views: 935

Re: WP: Five big banks agree to pay more than $5 billion to settle regulatory charges

FT Alphaville says: Actually, maybe it would be wise to spend a bit more on the last one. The FT’s running total of legal fines and settlements paid by banks to US regulators since 2007 now comes to $155bn. In case you were wondering, over eight years that works out to $53m per day (including weeke...
by stratton
Tue May 19, 2015 6:31 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri Launching A Robo Advisory
Replies: 12
Views: 3062

Rick Ferri Launching A Robo Advisory

etf.com reports: Rick Ferri Launching A Robo Advisory Rick Ferri, one of the most well-known index investors in the world, is launching a robo advisory this summer. His goal is simple: to reach younger investors. The founder and managing partner of Portfolio Solutions has been hugely successful in t...
by stratton
Tue May 05, 2015 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Claims Title of World’s Largest Bond Fund
Replies: 20
Views: 2470

Re: Vanguard Claims Title of World’s Largest Bond Fund

It's not like Vanguard had much to do with it. From the WSJ:

Image

Paul
by stratton
Mon May 04, 2015 1:24 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22754

Re: Forum software upgrade bug reports and change requests

Indexing must be done. The web site has sped up quite a bit. :P

Paul
by stratton
Sun May 03, 2015 7:56 pm
Forum: Forum Issues and Administration
Topic: Forum software upgrade bug reports and change requests
Replies: 232
Views: 22754

Re: Forum software upgrade bug reports and change requests

The web site speed is slow. Any idea if this will speed up?

I've heard there may be some indexing going on. If there isn't this is really painful to use.

Paul
by stratton
Sun May 03, 2015 7:51 pm
Forum: Forum Issues and Administration
Topic: What's new and changed in phpBB 3.1
Replies: 69
Views: 7059

Re: What's new and changed in phpBB 3.1

New site looks great on my iPhone 6. No more pinching to view threads. I have the opposite problem. Previously it would appear on my 4.5" 1280x780 pix Windows Phone, in portrait mode, and not show the right most two columns on the bogleheads.org root page and it was readable. Now the whole pag...
by stratton
Sun May 03, 2015 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: Wellseley VWINX - for a conservative investor mid 30s.
Replies: 16
Views: 2088

Re: Wellseley VWINX - for a conservative investor mid 30s.

Do you think the average duration of 6.2 years could be a problem with this fund if interest rate start to move up? Thanks I wouldn't have a problem with that in my judgement and preference, but a person who does probably would not want to own this fund. That's part of what you're hiring the fund m...
by stratton
Sun May 03, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 55
Views: 5725

Re: Best Chromebook 2015

by stratton
Fri May 01, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: Even Financial Pros Choose Indexing for Retirement Savings
Replies: 6
Views: 1386

Re: Even Financial Pros Choose Indexing for Retirement Savin

Are the numbers higher for index funds in Canada where the MERs are a lot higher?

Paul
by stratton
Fri May 01, 2015 5:15 pm
Forum: Investing - Theory, News & General
Topic: "Unconstrained" food fight
Replies: 6
Views: 1368

Re: "Unconstrained" food fight

For all intents and purposes "unconstrained" means global junk in USD and local currency with probably some stock sprinkled in. There might be some limits on things like currency exposure or stock. You should assume "unconstrained" is probably more aggressive than a multi-sector ...
by stratton
Fri May 01, 2015 4:59 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 7019

Re: Oh yuck, what just happened to the font?

Wow, you guys are fast. Mea culpa. That's my fault. Really. I updated the home page code. It's been tested thoroughly, but the only way to "go live" without taking the site offline was to copy files quickly. You caught me in the middle of copying files. This only takes a few minutes, but ...
by stratton
Fri May 01, 2015 4:55 pm
Forum: Investing - Theory, News & General
Topic: US stocks returned "just 0.6%" 1915-1982
Replies: 56
Views: 6027

Re: US stocks returned "just 0.6%" 1915-1982

I've seen at least one or two other articles where Brett Arends has not included dividends in the numbers he sites. Sorry no links.

I suggest avoiding any articles by him.

Paul
by stratton
Fri May 01, 2015 4:00 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 7019

Re: Oh yuck, what just happened to the font?

It appears to have been fixed.

Paul
by stratton
Fri May 01, 2015 3:57 pm
Forum: Forum Issues and Administration
Topic: Oh yuck, what just happened to the font?
Replies: 65
Views: 7019

Re: Oh yuck, what just happened to the font?

Yep, broken here too on both my desktop browser (IE 11 on Win 8.1) and phone browser (IE on Win phone 8.1) for the bogleheads.org web site. It wasn't doing this at 11 am PDT on the desktop. Some place after about that time the fonts became smaller and pushed together. It's very hard to read. It's ha...
by stratton
Mon Apr 27, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: WINSTREAM corporate actions, CSAL spinoff, and reverse split
Replies: 2
Views: 395

Re: WINSTREAM corporate actions, CSAL spinoff, and reverse s

https://finance.yahoo.com/news/windstreams-reit-spin-reverse-stock-163513719.html A Closer Look At CS&L REIT Spin ... CS&L Helps Pay Windstream Debt ... CS&L Questions I read Morningstar's Josh Peter's Dividend Investor newsletter at the library and he warns that rural wireline carriers ...
by stratton
Thu Apr 23, 2015 5:42 am
Forum: Personal Finance (Not Investing)
Topic: Inherited farmland: Should we sell or keep?
Replies: 40
Views: 4190

Re: Inherited farmland: Should we sell or keep?

USDA: Land Values Summary from Aug 2014. Breaks down by region, irrigated etc. March 2013: Farmland prices: Is the bubble about to burst? WASHINGTON -- Record-high prices for corn, soybeans, wheat and other commodities have left growers flush with cash to purchase more land. And what the farmers don...
by stratton
Mon Apr 06, 2015 11:51 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 109
Views: 16014

Re: Seattle Chapter?

Count me in for the 18th.

Paul
by stratton
Tue Mar 24, 2015 3:13 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 109
Views: 16014

Re: Seattle Chapter?

Seattlenative wrote:
stratton wrote:We've been aiming at quarterly. I still have stuff to give away. :-) Paul

Could a meeting be scheduled for mid-April?

Email delconte.

I suggest after tax day.

Paul
by stratton
Tue Mar 24, 2015 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: What do you think of storage sheds as an investment?
Replies: 38
Views: 3925

Re: What do you think of storage sheds as an investment?

https://www.reit.com/investing

Start digging. There are indexes and probably a list of REITs that do storage so you can grab annual reports from their web sites.

Paul
by stratton
Tue Mar 24, 2015 1:36 am
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 4019

Re: Considering the new MacBook 12-inch Retina ...

13-inch Broadwell MacBook showdown: Should you go Pro or get an Air?
Review: The 2015 Broadwell refreshes are similar, but not identical.

Paul
by stratton
Sat Mar 14, 2015 2:49 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 109
Views: 16014

Re: Seattle Chapter?

We've been aiming at quarterly.

I still have stuff to give away. :-)

Paul
by stratton
Sat Mar 14, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Should tilters recommend tilting to beginners?
Replies: 49
Views: 3273

Re: Should tilters recommend tilting to beginners?

I would say yes. Some people intuitively get and like the idea of tilting and others don't. If they don't seem to like the idea, drop it. See Bill Schultheis' The Coffeehouse Investor: How to Build Wealth, Ignore Wall Street, and Get On with Your Life 10% large cap such as S&P 500 10% large cap...
by stratton
Tue Mar 03, 2015 5:54 am
Forum: Investing - Help with Personal Investments
Topic: Is this a REIT or not?
Replies: 15
Views: 905

Re: Is this a REIT or not?

Principal Financial Group Real Estate fund is like TIAA RE fund. It certainly is not fixed income. One person here was in it during 2008/9 and the fund had liquidity problems so locked redemptions. I think it took a couple years before he could get any money out. Not sure how much at a time was allo...
by stratton
Sat Feb 14, 2015 7:41 pm
Forum: Investing - Theory, News & General
Topic: active vs passive in response to Larry Swedroe posting
Replies: 30
Views: 3852

Re: active vs passive in response to Larry Swedroe posting

TWEBX has a 1.37% ER according to Morningstar.

if an ~1% advisor overhead is subtracted from the DFA fund the numbers are pretty similar. If you back out the ER the Tweedy Browne fund might even be a tiny bit better.

Paul
by stratton
Sat Jan 10, 2015 4:58 pm
Forum: Investing - Theory, News & General
Topic: Distressed energy investing
Replies: 3
Views: 728

Re: Distressed energy investing

Third Avenue Funds has an open ended mutual fund that buys distressed assets. http://www.thirdave.com/fund/third-avenue-focused-credit-fund/ I suggest reading their quarterly reports for that fund if you want to learn about distressed investing. It's written for an investor and not a financial profe...
by stratton
Thu Jan 08, 2015 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Amana Portfolio Allocation
Replies: 43
Views: 4584

Re: Amana Portfolio Allocation

Preferred stock might also be an option since it's not a bond.

There are several ETFs such as PFF etc.

Paul

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