Search found 3293 matches

by siamond
Fri Sep 22, 2017 9:05 am
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 42
Views: 3335

Re: How long did it take for Equifax to email you a security sign up?

I had basically given up... I registered on 9/13, more than a week ago, and... amazing, the Equifax TrustID e-mail was waiting for me this morning... So I eagerly clicked, it asked for my date of birth and... sigh... System Unavailable We are unable to process your request at this time. Please try a...
by siamond
Fri Sep 22, 2017 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

KlangFool wrote:
Fri Sep 22, 2017 7:56 am
1) How long should I wait for the TrustedID sign up email?

2) I had registered on 9/12 for my wife and 9/13 for myself.

3) What will be sender's email address?
I just received mine, and I registered on 9/13, so... hopefully, you're close. The sender e-mail is "Trusted ID Customer Service".
by siamond
Wed Sep 20, 2017 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 58
Views: 18002

Re: Is a security freeze at Innovis really needed?

If, however, I wanted to take advantage of a higher rate sooner and do an early withdrawal to open up new CD accounts at the higher rate, then I think I would have to request a temporary lift of the freeze. So, to express it in simpler terms, buying a new CD would not be possible if one has a credi...
by siamond
Wed Sep 20, 2017 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

Hm, a credit freeze *might* have annoying consequences when buying new CDs, see this post:
viewtopic.php?f=2&t=227301&p=3540447#p3540447

Let's wait & see for possible feedback, but it might be worth adding a note about that on the Wiki page if this is confirmed.
by siamond
Wed Sep 20, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: Table in BH Guide to investing - Did I miss something?
Replies: 6
Views: 1019

Re: Table in BH Guide to investing - Did I miss something?

Since I started to play with those numbers... I was wondering what was the longest period of time where US Stocks (large-caps, e.g. S&P 90/500) stayed in the red. The answer is 14 years (this was during the great depression, the recent crises did recover a tad faster). In other words, no period of 1...
by siamond
Tue Sep 19, 2017 10:31 pm
Forum: Investing - Theory, News & General
Topic: Table in BH Guide to investing - Did I miss something?
Replies: 6
Views: 1019

Re: Table in BH Guide to investing - Did I miss something?

I guess bonds will deliver better results, no? Well, depends on your perspective. In nominal (absolute) dollars, yes, the minimum annualized returns for bonds never got negative for 5 or 10 years periods, and only fell 2.7% for a one year period. Now, before you rejoice too much, in real (inflation...
by siamond
Tue Sep 19, 2017 9:36 pm
Forum: Investing - Theory, News & General
Topic: Table in BH Guide to investing - Did I miss something?
Replies: 6
Views: 1019

Re: Table in BH Guide to investing - Did I miss something?

As to the title of the chart indicates, those are annualized returns, so yes, per annum. What was maybe less clear is that those nominal returns. I just did a quick run with a data table added to the Simba spreadsheet . Those numbers are indeed correct, except that: 1. the title of the chart refers ...
by siamond
Mon Sep 18, 2017 3:58 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 42
Views: 3335

Re: How long did it take for Equifax to email you a security sign up?

I just read on the New York Times that the 200,000 people who ALSO got their credit card stolen at Equifax are the ones who used the Equifax id theft service and filed a dispute to fix something. Er, hm, I am suddenly wondering if I care that much about receiving the missing e-mail and proceeding to...
by siamond
Mon Sep 18, 2017 1:17 pm
Forum: Investing - Help with Personal Investments
Topic: math on determining rebalancing bands?
Replies: 6
Views: 434

Re: math on determining rebalancing bands?

The X% 'absolute' rule makes little mathematical sense. But fact is it works (worked) fine with a simple 3-fund AA like yours. And simple is beautiful. I tortured Excel by running multiple rebalancing models, read various studies from other people, and the outcome is almost always the same, the impa...
by siamond
Sun Sep 17, 2017 5:49 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 42
Views: 3335

Re: How long did it take for Equifax to email you a security sign up?

I was able to sign up 9/12 and received the email today. Now it will apparently be several more days before the service starts working. At least it didn't ask me for a credit card number so far - not that they don't already have them all. At this stage (you got the e-mail, activated the monitoring ...
by siamond
Sun Sep 17, 2017 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

Mudpuppy wrote:
Sun Sep 17, 2017 4:09 pm
In the "A credit freeze does not" section, I would recommending adding that a freeze does not affect your ability to use existing accounts like credit cards or loans. Some people think a freeze will shut down all their credit cards.
Good idea. Done with a quote from Krebs and minor reordering.
by siamond
Sun Sep 17, 2017 3:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

Ok, I removed ARS, and did a few cosmetic things. I think this is starting to look great. Many thanks to mrc for suggesting such new wiki page, very helpful.
by siamond
Sun Sep 17, 2017 1:50 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

Unless and until there is definitive proof that freezing just the big 3 (+ Innovis + ChexSystems) is sufficient to keep my information away from the nefarious, all the minor reporting entities matter. I share the feeling, but I am just trying to be practical here. We can't list them all on the Wiki...
by siamond
Sun Sep 17, 2017 1:17 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 58
Views: 18002

Re: Is a security freeze at Innovis really needed?

I was debating with myself about Innovis, Chex Systems and SageStream, and then discovered this morning that there are tens of micro credit bureaus... Where and how to draw the line is very unclear to me. The Consumer Financial Protection Bureau (CFPB) has a list of ALL the credit reporting agencies...
by siamond
Sun Sep 17, 2017 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: How long did it take for Equifax to email you a security sign up?
Replies: 42
Views: 3335

Re: How long did it take for Equifax to email you a security sign up?

Signed up on the 14th, didn't get an answer yet. I put on hold the freezes due to this (and the likely craziness on corresponding Web sites), but I am getting a tad itchy... :shock:
by siamond
Sun Sep 17, 2017 12:00 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

Giving more exposure to a rather important piece of information (was posted on the wiki thread)... I had no idea that there were that many credit reporting companies... Do check the PDF file below. Now where to draw the line is very unclear to me. The Consumer Financial Protection Bureau (CFPB) has ...
by siamond
Sun Sep 17, 2017 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

The Consumer Financial Protection Bureau (CFPB) has a list of ALL the credit reporting agencies out there. I found this on Krebs on Security. http://files.consumerfinance.gov/f/201604_cfpb_list-of-consumer-reporting-companies.pdf This is current as of January 2016. Apologies, as I thought I had inc...
by siamond
Sun Sep 17, 2017 8:54 am
Forum: Investing - Theory, News & General
Topic: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns
Replies: 11
Views: 862

Re: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns

Wondering if you can share the annual numbers instead of the cumulative numbers. This will show some info that is not as easy to notice in the cumulative numbers. Here is the spreadsheet I used, this all came from public sources, this is actually pretty easy to do once you get the hang of it: https...
by siamond
Sat Sep 16, 2017 9:59 pm
Forum: Investing - Theory, News & General
Topic: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns
Replies: 11
Views: 862

Re: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns

Here is another graph. Same principles as in this post , except that I used the MSCI "ex-USA" (aka RoW, Rest Of the World) annual returns in USD, and the exchange rates from FRED as AlohaJoe just described. For 1971/72, I forced the exchange rate at 1, by lack of data. Note that I didn't show 2017, ...
by siamond
Sat Sep 16, 2017 9:11 pm
Forum: Investing - Theory, News & General
Topic: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns
Replies: 11
Views: 862

Re: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns

Well, I am not sure where to get the data for the first item and quantify all of that, but I think the answer to your question is simply mechanical. You of all people should know the answer to this! It, like everything else, is on FRED :D Trade Weighted U.S. Dollar Index: Major Currencies 1973-pres...
by siamond
Sat Sep 16, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns
Replies: 11
Views: 862

Re: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns

Ok, I was mildly curious, so I did the math as I envisioned in my previous post, but I used UK returns and GBP currency, as the Euro doesn't have enough history to be meaningful. I used the 1971-2016 time period. I used annual returns. I used the MSCI Gross Return from the UK (expressed in USD and i...
by siamond
Sat Sep 16, 2017 5:31 pm
Forum: Investing - Theory, News & General
Topic: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns
Replies: 11
Views: 862

Re: Correlation between USD strength and Tot. US stock MINUS Tot. intl. stock returns

Well, I am not sure where to get the data for the first item and quantify all of that, but I think the answer to your question is simply mechanical. When International Funds total returns are expressed in USD, the exchange rate between the US dollar and the local currencies of the countries where th...
by siamond
Sat Sep 16, 2017 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

I have not signed up for Equifax's credit monitoring yet and I'm not sure if I will. But I was wondering, if after being told that I was a victim of the hack, if I follow the link provided does it just set up the monitoring, presumably already knowing who I am, or does it ask for input of personal ...
by siamond
Sat Sep 16, 2017 2:13 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

siamond wrote:
Fri Sep 15, 2017 5:56 pm
We definitely need to add a section about Credit Monitoring (after the fact) vs. Credit Freeze (preventive action).
Done, just added it.
by siamond
Sat Sep 16, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

Does it make sense to freeze the credit report before looking at its content since the annual free report site hasn't been working for us? Did you try with another bureau than Equifax (e.g. Experian or Trans Union)? I got no problem getting reports from them (via annualcreditreport.com) in the past...
by siamond
Sat Sep 16, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

I was wondering about my younger son (who is a minor, and he's not going to use a credit card until he's in college). He did open a junior bank account with my help (for summer jobs), so I was wondering if this somehow triggered the credit bureaus to start tracking him. Apparently not. We did a quer...
by siamond
Sat Sep 16, 2017 9:12 am
Forum: Investing - Theory, News & General
Topic: Stockcharts.com has an S&P 500 Daily chart going back to 1925
Replies: 29
Views: 1496

Re: Stockcharts.com has an S&P 500 Daily chart going back to 1925

I also went looking for another chart I had seen on Morningstar that shows S&P (price only) back to 1928 Here is a simpler pointer to the S&P 500 PR chart page. And this one does provide daily numbers if we go to the corresponding data series . Unfortunately, such a price series without dividends i...
by siamond
Fri Sep 15, 2017 10:20 pm
Forum: Investing - Theory, News & General
Topic: Stockcharts.com has an S&P 500 Daily chart going back to 1925
Replies: 29
Views: 1496

Re: Stockcharts.com has an S&P 500 Daily chart going back to 1925

The "Total Return" including dividends was updated quarterly, but the price data for the stocks was updated daily back to 1925... and archived and available today. Gathering, publishing (and archiving) the data is what the company did. Yes, you're right, see the EDIT in my previous post . Was mixed...
by siamond
Fri Sep 15, 2017 10:10 pm
Forum: Investing - Theory, News & General
Topic: Stockcharts.com has an S&P 500 Daily chart going back to 1925
Replies: 29
Views: 1496

Re: Stockcharts.com has an S&P 500 Daily chart going back to 1925

Note that a lot of the historical data was interpolated to fill the blanks. For a while, only quarterly numbers were recorded, as a case in point. I don't think that's true, that it was "interpolated to fill in blanks". Standard Statistics started the first stock composite index in 1923 and updated...
by siamond
Fri Sep 15, 2017 10:02 pm
Forum: Investing - Theory, News & General
Topic: Stockcharts.com has an S&P 500 Daily chart going back to 1925
Replies: 29
Views: 1496

Re: Stockcharts.com has an S&P 500 Daily chart going back to 1925

Yeah, I've heard that, but I've never been able to find the 90 stock index data myself anywhere. Yahoo Finance doesn't have it, the St. Louis Fed website doesn't have it, can't find it on the S&P website, etc. Anyone have that index data? Yup. Please check the Simba backtesting spreadsheet, startin...
by siamond
Fri Sep 15, 2017 9:50 pm
Forum: Investing - Theory, News & General
Topic: Stockcharts.com has an S&P 500 Daily chart going back to 1925
Replies: 29
Views: 1496

Re: Stockcharts.com has an S&P 500 Daily chart going back to 1925

OP, you can find a short summary of the S&P 90 / S&P 500 on Wikipedia:
https://en.wikipedia.org/wiki/S%26P_500_Index

Note that a lot of the historical data was interpolated to fill the blanks. For a while, only quarterly numbers were recorded, as a case in point.
by siamond
Fri Sep 15, 2017 5:56 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

I added a little bit more material:
- per state fees + minor rewording (in the 'before you freeze your credit' section)
- credit freezes for minors (in the 'notes' section')

We definitely need to add a section about Credit Monitoring (after the fact) vs. Credit Freeze (preventive action).
by siamond
Fri Sep 15, 2017 12:21 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

Last I heard, Brian Krebs was saying there was no evidence that PINs had been compromised. If they were, Equifax could issue new PINs. Plus, anytime I've lifted a freeze in the past, I've been notified by the credit bureau that it was lifted. So I don't think the theft of PINs reduces the value of ...
by siamond
Fri Sep 15, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

AAA wrote:
Fri Sep 15, 2017 8:10 am
Has there been any clarification as to whether freeze PIN numbers were compromised?
That is a REALLY GOOD question. I didn't read anything in that respect, but this sounds like a definite possibility. And this puts in perspective the (limited?) value of freezing credit reports.
by siamond
Thu Sep 14, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Wiki article - Credit freeze
Replies: 39
Views: 4663

Re: Wiki article - Credit freeze

Great initiative, Ladygeek. I didn't complete the process yet (catching up!), so I don't have much to contribute. Let me just share a few links from my recent reading, and ideas for sections in an expanded page. Links to activate credit freeze (5 major bureaus): https://www.bogleheads.org/forum/view...
by siamond
Thu Sep 14, 2017 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Good flat-fee financial advisors in Boston suburbs?
Replies: 13
Views: 1282

Re: Good flat-fee financial advisors in Boston suburbs?

I consult for free if your mother makes lunch or dinner for me! :wink:

More seriously, I don't know the answer to the OP's question, but I'd be glad to know as two folks from the Metro-Boston chapter asked me the same question and I didn't know what to say...
by siamond
Thu Sep 14, 2017 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: Experian credit freeze by phone vs online
Replies: 9
Views: 1135

Re: Experian credit freeze by phone vs online

Not really an answer to the OP's question, but I called the Experian support line today, I had to wait 20 minutes, but then a gracious operator recorded my request to remove a couple of extraneous SSN numbers that were listed on my report (99% sure those were typos of mine in the past, but better be...
by siamond
Thu Sep 14, 2017 1:11 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

This is more just a pet peeve of mine when people talk about "flight to safety". There are all kinds of crashes and crises. Bonds don't go up in all of them so just be prepared for that eventuality. Totally agreed. And can't agree more about the 'recency bias' displayed by so many people (including...
by siamond
Thu Sep 14, 2017 11:37 am
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

Since 1929 there have been 14 recessions in the US. In 7 of them Treasuries had a positive correlation with stocks. In 7 of them Treasuries had a negative correlation with stocks. Thanks for the feedback, I was wondering about that. Did you run the monthly numbers with your bond fund simulator tool...
by siamond
Thu Sep 14, 2017 11:27 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

My point is that the company is so poorly managed that buying any service from them is signing up for more pain. I don't know about that. Equifax will be SO scrutinized in the coming year that they will be much more incentivized to provide a proper service than any of their competitors. Just as a c...
by siamond
Thu Sep 14, 2017 11:04 am
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

I strongly believe that on the equity side of the equation and I don't see why that wouldn't directly carry over to the fixed income side of things? I definitely agree with you, and have had the same struggle with myself for a little while. I am a strong proponent of hedging my bets on the equity s...
by siamond
Thu Sep 14, 2017 9:59 am
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

Another Bogleheads pointed out to me by e-mail that I focused on TBM as a baseline, and never compared to US Treasuries (say IT Treasuries), although treasuries have a solid track record of negative correlation with the stock market in times of crisis. I explored the topic, and he was quite right......
by siamond
Wed Sep 13, 2017 12:48 pm
Forum: Investing - Theory, News & General
Topic: Upcoming 2017 changes to Vanguard REIT fund(s)
Replies: 23
Views: 4121

Re: Upcoming 2017 changes to Vanguard REIT fund(s)

Thank you for the explanation. The current Vanguard REIT (Admiral) Fund is about 7% of my net worth. In my IRA. Is there a reason I should do anything with this change, if I want 7% of my net worth to be in a diversified real estate index fund? As explained earlier in this thread, there is apparent...
by siamond
Wed Sep 13, 2017 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Equifax customer information leak
Replies: 630
Views: 37408

Re: Equifax customer information leak

Freeze Credit (Links) https://freeze.transunion.com/sf/securityFreeze/personalOrderProcess https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp https://www.experian.com/freeze/center.html‬ https://www.innovis.com/personal/securityFreeze https://www.chexsystems.com/web/chexsystems/consum...
by siamond
Tue Sep 12, 2017 10:16 pm
Forum: Investing - Theory, News & General
Topic: Upcoming 2017 changes to Vanguard REIT fund(s)
Replies: 23
Views: 4121

Re: Upcoming 2017 changes to Vanguard REIT fund(s)

For reference, the new VNQ index (MSCI US IMI/Real Estate 25-50 USD) can be found on Morningstar here, but there is very little history to speak of, so this doesn't really help much. http://quotes.morningstar.com/indexquote/quote.html?t=F00000ZBMR (NR version) http://quotes.morningstar.com/indexquot...
by siamond
Mon Sep 11, 2017 6:01 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

Apologies for my oversight. That extra $700 at the end could make all the difference! I'd bet that upping the percentage from 20% to 30% as recommended by Vanguard wouldn't sway things significantly either. Thanks for all the time you put into this! Welcome. Yes, this is probably it. I didn't do a ...
by siamond
Mon Sep 11, 2017 5:56 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

I can see a matrix plot might be useful: http://www.sthda.com/sthda/RDoc/figure/ggplot2/ggplot2-correlation-matrix-heatmap-add-correlation-coefficients-1.png Well, this is exactly the same thing as the table I provided, except that the cells are colored (similar to what we do in the Simba spreadshe...
by siamond
Mon Sep 11, 2017 4:23 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

Thanks for this bit of work. I saw that "correlation" was found about 25 times in the article and is in the tables, but not in any plot. Would it be visually useful to have a plot or two of Correlation somewhere in the article since it is featured so much in the analysis and conclusion? Yes, this i...
by siamond
Mon Sep 11, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

My concern is that emerging markets can only emerge once. A good portion of the bond returns over the last twenty years have been credit upgrades, as these countries developed, became more stable, and investors developed more faith in their credit worthiness. Can this run be repeated in the future?...
by siamond
Mon Sep 11, 2017 4:01 pm
Forum: Investing - Theory, News & General
Topic: Financial Page: REITs and International/Emerging Bonds
Replies: 25
Views: 2123

Re: Financial Page: REITs and International/Emerging Bonds

Apologies for my oversight. That extra $700 at the end could make all the difference! I'd bet that upping the percentage from 20% to 30% as recommended by Vanguard wouldn't sway things significantly either. Thanks for all the time you put into this! Welcome. Yes, this is probably it. I didn't do a ...