Search found 10914 matches

by stratton
Sun Feb 07, 2016 11:32 am
Forum: Personal Consumer Issues
Topic: The Coming Boglehead Zombie Apocalypse (LED bulbs)
Replies: 94
Views: 7134

Re: The Coming Boglehead Zombie Apocalypse (LED bulbs)

I've been buying up incandescent bulbs and have almost five large bins filled with them. I can generally only find 60 watts or less now. They're just sitting in my attic waiting. My wife thinks I'm crazy. I've got a plan. I'm collecting 100 watt ones for my aunt and uncle which use them to heat the...
by stratton
Thu Feb 04, 2016 6:06 pm
Forum: Investing - Theory, News & General
Topic: Muppet Investors...literally
Replies: 0
Views: 340

Muppet Investors...literally

In the "You can't make this stuff up department." The subject is courtesy of the Financial Times Alphaville further reading column. Sesame Street to invest in startups The beloved children's television show announced on Monday that it's launching a venture capital arm . That's right: Sesam...
by stratton
Sun Jan 24, 2016 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Employee Stock Options Advice (startup)
Replies: 9
Views: 691

Re: Employee Stock Options Advice (startup)

Read these two NY Times articles on start ups when valuations drop and what happens to employee stock options. http://www.nytimes.com/2015/12/27/technology/when-a-unicorn-start-up-stumbles-its-employees-get-hurt.html http://www.nytimes.com/2016/01/20/business/dealbook/expect-some-unicorns-to-lose-th...
by stratton
Sat Jan 23, 2016 8:16 pm
Forum: Personal Consumer Issues
Topic: [Computer] Backup Date issues
Replies: 16
Views: 833

Re: [Computer] Backup Date issues

There are at least two dates:

Created: initial file creation.
Modified: last time something was changed.

It probably changed "Date modified" which is the default shown in the file manager.

You can add another column to display the file "creation date" too.

Paul
by stratton
Sat Jan 23, 2016 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley (VWIAX) vs CD for reliable income
Replies: 15
Views: 2820

Re: Wellesley (VWIAX) vs CD for reliable income

The more I think about it, why doesn't Vanguard offer a balanced fund consisting of Vanguard High Dividend Yield (VHDYX) and Vanguard Total Bond Market (VBTLX)? I know I just came up with it thinking about my response to dbr, but it would be really convenient and more diversified than Wellington. V...
by stratton
Fri Jan 22, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: Piece by Shiller in today's NYT
Replies: 6
Views: 1256

Re: Piece by Shiller in today's NYT

Malkiel thought that you should look for stocks that had a "story" to them, one that would encourage investors to build castles in the air and bid the price up, but that these should be "castles in the air... with a firm foundation." I think closed end funds (CEF) have more oppo...
by stratton
Fri Jan 22, 2016 4:46 pm
Forum: Investing - Theory, News & General
Topic: Paper: Passive Investors, Not Passive Owners
Replies: 3
Views: 636

Paper: Passive Investors, Not Passive Owners

Passive Investors, Not Passive Owners Ian Appel, Boston College - Carroll School of Management Todd A. Gormley, University of Pennsylvania - The Wharton School Donald B. Keim, University of Pennsylvania - Wharton School Passive institutional investors are an increasingly important component of U.S....
by stratton
Thu Jan 21, 2016 6:31 pm
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3610

Re: Vanguard Store Items

Bogleheads pay to be "mugged" by Vanguard.

:P

Paul
by stratton
Thu Jan 21, 2016 6:23 pm
Forum: Investing - Theory, News & General
Topic: Fundrise - Accredited Investor REIT
Replies: 4
Views: 357

Re: Fundrise - Accredited Investor REIT

Non-traded REITs. What's the front end load? Typically it's 8% to 10%. What's the sell procedure and back end load? Typically there are various gates. Back end loads of 1% to 3+%. Only X% of the funds money can be withdrawn. Say 3% of the fund and no more than 5% or 10% of an single investors accoun...
by stratton
Wed Jan 20, 2016 1:47 pm
Forum: Investing - Theory, News & General
Topic: Why are REITs not providing any benefit in this market?
Replies: 45
Views: 4932

Re: Why are REITs not providing any benefit in this market?

Year to date through Jan 19, 2016.

Vanguard small cap value etf (VBR): -10.56
Vanguard REIT index etf (VNQ): -4.72%
S&P 500 index: -7.96%

REITs didn't go down as much as some other stock.

Morningstar chart.

Paul
by stratton
Thu Jan 14, 2016 1:08 pm
Forum: Investing - Theory, News & General
Topic: Hottest Performing Funds
Replies: 7
Views: 499

Re: Hottest Performing Funds

finance.yahoo.com
by stratton
Wed Jan 13, 2016 9:55 pm
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 122
Views: 18122

Re: Seattle Chapter?

I'm in eastern WA and would like to meet-up. Anyone down? Don't mean to step on toes, either - Delconte: ideas? If you're in some place like Cle Elum it isn't much of a drive. If you're in Pullman it's a pain in the rear. :-) If I'm visiting Ellensburg for the Western Art Show maybe we could meet f...
by stratton
Wed Jan 13, 2016 9:50 pm
Forum: Investing - Theory, News & General
Topic: Is the Powerball a good play?
Replies: 48
Views: 3056

Re: Is the Powerball a good play?

Bustoff wrote:It is if you don' t want to feel left out.

That, and a bottle of Two-Buck Chuck.

Gotta enhance that dreaming!

Paul

PS 2bc isn't all that good. Spend the same amount and buy a good bottle of beer or hard cider. :P
by stratton
Sun Jan 10, 2016 10:36 pm
Forum: Personal Consumer Issues
Topic: Packing materials for moving
Replies: 13
Views: 840

Re: Packing materials for moving

Home Depot has really cheap boxes. As low as 0.74 for 12"x12"x16" box.

This is 75% less than Fred Meyer. Local equivalent of Target.

Paul
by stratton
Sat Jan 09, 2016 10:09 pm
Forum: Investing - Theory, News & General
Topic: Forbes serving Malware
Replies: 12
Views: 1393

Forbes serving Malware

You say advertising, I say block that malware Forbes asked readers to turn off ad blockers then immediately served them pop-under malware . ... On arrival, like a growing number of websites, Forbes asked readers to turn off ad blockers in order to view the article. After doing so, visitors were imm...
by stratton
Fri Jan 08, 2016 6:26 am
Forum: Investing - Theory, News & General
Topic: Bearish signal
Replies: 12
Views: 1740

Re: Bearish signal

Valuethinker wrote:I bought some more stock in the North American markets.

I have an excellent record of buying just after a dip, and before a really big dip. Early 2008 and again in the summer of 2008. 2000. 1987. Etc.

You have been warned ;-).

The Swiss haven't cut their interest rates yet!

Paul
by stratton
Thu Jan 07, 2016 3:44 pm
Forum: Investing - Theory, News & General
Topic: Best book on Bonds
Replies: 21
Views: 1238

Re: Best book on Bonds

The book mentioned by the Richelson's is very interesting and would create great controversy on this forum.The authors believe that you need zero stocks.I will leave it at that but it has changed how I invest. They don't follow "bonds only" the way you think. In a podcast interview with t...
by stratton
Mon Jan 04, 2016 12:33 am
Forum: Personal Finance (Not Investing)
Topic: [Fidelity drops AmEx, Bank of America credit cards]
Replies: 116
Views: 10698

Re: Boston Globe > Fidelity, American Express are parting ways

It appears Amex is making sure all deals are profitable. Fidelity Drops Credit-Card Partners AmEx, BofA in Deal With Visa Consumers who use the card spend a total of about $11 billion annually, according to Subramaniam. That’s dwarfed by the amount AmEx has typically handled through its deal with Co...
by stratton
Sun Jan 03, 2016 5:16 pm
Forum: Investing - Theory, News & General
Topic: MM funds responding to the rate hike
Replies: 14
Views: 1468

Re: MM funds responding to the rate hike

I heard a report on the radio about how banks are expected to be slow re: raising interest rates and CD rates (if they do at all) despite the rate hike. The rationale: They don't have to. They are awash in money these days. They can raise mortgage rates, loan rates, etc without raising interest rat...
by stratton
Fri Jan 01, 2016 6:03 pm
Forum: Investing - Theory, News & General
Topic: Munis no longer as good of a deal
Replies: 46
Views: 4571

Re: Munis no longer as good of a deal

Vanguard lists the SEC yield of VWITX (intermediate-term tax exempt) as 1.64%, but its actual TTM yield and distribution yield are 2.8-2.9%. Over the past 5 years, VWITX has outperformed total bond market (VBMFX) even on a pre-tax basis. For those of us who have been holding, munis have been a grea...
by stratton
Wed Dec 30, 2015 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Does anyone treat each of their accounts separately?
Replies: 24
Views: 2189

Re: Does anyone treat each of their accounts separately?

A lot of depends on what's available in each type of account. 401k options can really constrain things. Smaller accounts can sometimes be easier to deal with using a balanced fund that approximates the stock/bond balance of your asset allocation. This allows an investor to ignore a specific account,...
by stratton
Wed Dec 30, 2015 4:53 pm
Forum: Personal Consumer Issues
Topic: Yahoo Finance, How Far You've Fallen
Replies: 15
Views: 3033

Re: Yahoo Finance, How Far You've Fallen

I don't have flash installed in my FF so that's not the problem.

Paul
by stratton
Wed Dec 30, 2015 4:49 pm
Forum: Investing - Theory, News & General
Topic: Volume up quite a bit today with ETFs
Replies: 10
Views: 756

Re: Volume up quite a bit today with ETFs

The bid/ask spread has shrunk from 2.5 years ago. From five or six cents to one or two cents on medium traded etfs. I've been cleaning up stuff and rebalancing and pleasantly surprised with the liquidity and one cent spreads. At that point you can sell at the bid and buy at the ask and get it done i...
by stratton
Tue Dec 29, 2015 10:38 pm
Forum: Personal Consumer Issues
Topic: Yahoo Finance, How Far You've Fallen
Replies: 15
Views: 3033

Re: Yahoo Finance, How Far You've Fallen

Yep, they've pretty much trashed it the last few years. Creating a list of stocks used to be as simple as popping open a web page and listing a whole bunch of symbols in one field. Now it's enter a symbol one at a time with four or five mouse clicks for each. Stupidly bad user interface. The whole u...
by stratton
Mon Dec 28, 2015 4:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2594

Re: TWO Kinds of Vanguard Account Upgrades

1. I access about 20 accounts (different account numbers) through my login due to having power of attorney for multiple people, who also have access to making changes (and "upgrades") to their accounts. Most are individual accounts, but some are held jointly. If I were to change my indivi...
by stratton
Sun Dec 27, 2015 10:15 pm
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10522

Re: The Japanese Art of Decluttering and Organizing (Book)

FedGuy wrote:I'm not convinced that OCD is her only issue--

That should be CDO in alphabetical order! :P
by stratton
Sun Dec 27, 2015 10:09 pm
Forum: Personal Consumer Issues
Topic: The Japanese Art of Decluttering and Organizing (Book)
Replies: 86
Views: 10522

Re: The Japanese Art of Decluttering and Organizing (Book)

The Economics of Tidying Up or "An economist reads Marie Kondo." Months after publication, Japanese home-organization guru Marie Kondo's book about de-cluttering has reached peak interest. Behavioral science may explain the appeal. Talks about sunk cost fallacy, status quo bias, diminishi...
by stratton
Sun Dec 27, 2015 6:22 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2594

Re: Vanguard Account Upgrade BROKEN; wrong MMF

Well something at Vanguard noticed. I received an email noting I had canceled out of the account update process and a number to call. I will ignore any links and phone numbers in the email and login and use the phone number there.

I'm not the trusting type on stuff like this. :twisted:

Paul
by stratton
Sat Dec 26, 2015 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2594

Re: Vanguard Account Upgrade BROKEN; wrong MMF

Does anyone have to upgrade to brokerage account? Sounds like a downgrade to me. I get why they are making the changes. Getting rid of a three day settlement period is great new "feature" considering they're catching up with Fidelity of ten years ago. Two more problems: 1. I have distribu...
by stratton
Sat Dec 26, 2015 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2594

Re: Vanguard Account Upgrade BROKEN; wrong MMF

Settlement Fund for Brokerage Account Prime Money Market is the settlement fund for the brokerage accounts (even if you have a zero balance that fund will show up). Have you verified that the other money market is GONE and that the balance is now showing up on the Prime Money Market? "Even if ...
by stratton
Sat Dec 26, 2015 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Upgrade BROKEN; wrong MMF
Replies: 32
Views: 2594

Vanguard Account Upgrade BROKEN; wrong MMF

Tried to do the upgrade today and it, "We'll use information from your account..." and the wrong money market fund popped up. I use a tax free money market fund and the silly thing mentions "prime" money market fund. What else is broken that isn't showing?. (CANCEL) Do not upgrad...
by stratton
Thu Dec 24, 2015 2:52 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Purist
Replies: 43
Views: 3422

Re: John Bogle Purist

EmergDoc wrote:As I recall, John Bogle owns a lot more than two funds.

A lot more.

Wellington for sure. Probably chunks of money in lots of Vanguard's actively managed funds. Got to eat your own "cooking."

Paul
by stratton
Tue Dec 22, 2015 12:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard to Launch Active "Core" Total Bond Fund
Replies: 46
Views: 4241

Re: Vanguard to Launch Active "Core" Total Bond Fund

If people are objecting to Vanguard's actively managed bond funds then they should get out of Vanguard's: Money market funds Investment grade bond funds Muni bond funds Treasury bond funds Junk bond fund Tips bond fund Ultra short bond fund Luckily Vanguard now has some tiny bond index funds that so...
by stratton
Wed Dec 16, 2015 3:48 pm
Forum: Investing - Theory, News & General
Topic: the problem of recency
Replies: 6
Views: 878

Re: the problem of recency

In 2007 it was, "Do you really need to hold US stocks?"

Now it's, "Do you really need to hold anything but US stocks?"

In 2007 something like 1/2 of emerging markets returns were from US currency weakening and EM currency appreciation. Now it's the other way around.

Paul
by stratton
Wed Dec 16, 2015 3:44 pm
Forum: Investing - Theory, News & General
Topic: Barclays Sells Indexes & Analytics To Bloomberg
Replies: 2
Views: 326

Barclays Sells Indexes & Analytics To Bloomberg

Barclays Sells Indexes & Analytics To Bloomberg London (Reuters) – Barclays Plc has sold its benchmark indices and risk analytics business, which includes the widely used Barclays U.S. Aggregate Bond Index, to financial information provider Bloomberg for about 520 million pounds ($781 million)....
by stratton
Thu Dec 10, 2015 10:55 pm
Forum: Investing - Theory, News & General
Topic: [Third Avenue liquidates its high-yield bond fund]
Replies: 130
Views: 8091

Re: So how is the liquidation in Third Avenue going to affect Vanguard's High Yield Fund?

Call Vanguard and ask.

They aren't similar funds. Distressed credit and being actively involved in the actual bankruptcy procedures through "debtor in process" (DIP) funding is not something Vanguard is going to engage in.

Paul
by stratton
Thu Dec 10, 2015 10:51 pm
Forum: Personal Consumer Issues
Topic: Advice for Encouraging Parents to Declutter Home?
Replies: 38
Views: 2559

Re: Advice for Encouraging Parents to Declutter Home?

Just make sure the latest will is in an accessible place and destroy and previous copies so there is no confusion.

Paul
by stratton
Sat Dec 05, 2015 3:12 pm
Forum: Investing - Theory, News & General
Topic: Uncle Sam Loves Active Mutual Funds
Replies: 7
Views: 1255

Re: Uncle Sam Loves Active Mutual Funds

http://awealthofcommonsense.com/wp-content/uploads/2015/12/Screen-Shot-2015-12-01-at-3.14.23-PM.png Says it all. :twisted: Don't assume Vanguard's actively managed funds are tax efficient either. Vanguard Precious Metals and Mining (VGPMX) and International Value (VTRIX) have made distributions equ...
by stratton
Sat Dec 05, 2015 3:09 pm
Forum: Investing - Theory, News & General
Topic: Commodities fund COMT (ishares)
Replies: 10
Views: 639

Re: Commodities fund COMT (ishares)

Many exchange-traded commodity funds or notes you see do issue K-1s. Some do not. As for the ones that do issue K-1s, my very limited understanding is that they do not generate Unrelated Business Taxable Income (UBTI). Therefore, there are no taxes or consequences when these investments are held in...
by stratton
Sat Dec 05, 2015 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Loomis Sayles Bond Fund Returns - Dismal
Replies: 7
Views: 839

Re: Loomis Sayles Bond Fund Returns - Dismal

I'll take a guess: It is an actively-managed intermediate-term bond fund with high fees in a rising interest rate environment. Nope, multi-sector bond fund that can hold pretty much anything and it has a reputation for doing just that. Not the most aggressive fund around, but darn close. An example...
by stratton
Sat Dec 05, 2015 2:52 pm
Forum: Personal Consumer Issues
Topic: What am I missing ? ... Smart Phones $100 vs. $600
Replies: 65
Views: 5770

Re: What am I missing ? ... Smart Phones $100 vs. $600

A review of the $10 Walmart phone—better than nothing, but not by much
We bought an LG Sunrise for the low, low price of $10. We regret it.

It has 512 MB of ram. A Windows phone, a Lumia 521 had 512 MB of ram and ran decently. Android is a pig on the same ram.

Paul
by stratton
Sat Dec 05, 2015 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy vs VWIAX [Vanguard Wellesley Income]
Replies: 19
Views: 2887

Re: Life Strategy vs VWIAX

pkcrafter wrote:If the international bonds bother you (??), then just use Wellesley and set up the automatic RMD with Vanguard. No calculations, no chance of forgetting to make the RMD.

That's what I do with an inherited IRA.
Wellesley is growing faster than the RMDs are taking it out. :sharebeer

Paul
by stratton
Fri Dec 04, 2015 2:45 pm
Forum: Investing - Help with Personal Investments
Topic: Leveraging a commercial real estate in SF
Replies: 7
Views: 812

Re: Leveraging a commercial real estate in SF

California real estate is very cyclical. Boom, crash, boom, crash. It looks like a saw blade.

See 1991, 2001, 2008, etc.

If there is a tech crash San Francisco real estate is ground zero.

Paul
by stratton
Fri Dec 04, 2015 2:41 pm
Forum: Personal Consumer Issues
Topic: Best (Available)Red Wine for under $15 preferrably under $10
Replies: 106
Views: 14564

Re: Best (Available)Red Wine for under $15 preferrably under $10

I've been finding the best bargains in Argentine malbecs. A currency crash can do wonders for lower price hunting buyers in other countries. So far I haven't met a malbec I didn't like. Even the $5.99 bottle was decent. The $8 to $10 bottles were pretty good and the $12 and up were outstanding. Base...
by stratton
Sun Nov 29, 2015 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: "Sin stocks"
Replies: 42
Views: 5018

Re: "Sin stocks"

The 1.34% ER for VICEX is a sin.

Paul
by stratton
Fri Nov 27, 2015 11:43 am
Forum: Investing - Theory, News & General
Topic: Collateralized Commodity Futures Funds
Replies: 33
Views: 2231

Re: Collateralized Commodity Futures Funds

one result is that people think ETFs and mutual funds are more different than they are. The difference between an ETF and an ETN is much bigger than the difference between a mutual fund and an ETF. The plain fact is that people are buying stuff that says, buried in the prospectus, "Shareholder...
by stratton
Thu Nov 26, 2015 12:55 am
Forum: Personal Consumer Issues
Topic: Perfectly legal ways you can still get Windows 7 cheap (or even free)
Replies: 15
Views: 2351

Perfectly legal ways you can still get Windows 7 cheap (or even free)

Perfectly legal ways you can still get Windows 7 cheap (or even free) Windows 7 is more than six years old. Most of the cheap upgrade offers that were available when it was fresh and new are long gone. But if you prefer the familiar Windows 7 interface (or need it for testing and evaluation) you ca...
by stratton
Wed Nov 25, 2015 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: J.Bogle suggest High Dividend Stock Fund
Replies: 26
Views: 4816

Re: J.Bogle suggest High Dividend Stock Fund

Jim Cramer on retiree portfolios: Own some stocks, approximately one-third of your portfolio. Focus on high yielding stocks that can generate more income with less risk. The other 2/3 should be in bonds. That's essentially Wellesley (VWINX). Wellesley is ~38% high yield dividend and 62% intermediat...
by stratton
Wed Nov 25, 2015 7:04 pm
Forum: Investing - Theory, News & General
Topic: Another example of credit risk going unrewarded
Replies: 16
Views: 2372

Re: Another example of credit risk going unrewarded

countmein My reading of the literature is the same as what Illmanen found, if going to take credit risk only due it in short term. But problem is even that looks it at only in isolation, not on impact on portfolio and the correlation with equity risks rises at wrong time while for safe bonds it ten...

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