Search found 1986 matches

by acegolfer
Sat Jul 11, 2020 2:41 pm
Forum: Personal Consumer Issues
Topic: New locks for doors - any recommendations?
Replies: 15
Views: 942

Re: New locks for doors - any recommendations?

I bought and installed Kwikset 92640-001 this year. It's a keypad deadbolt and sells for under $50 at amazon. It comes with a new set of keys.
by acegolfer
Sat Jul 11, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

Thanks for double checking for me. Here is a pic of the transactions: https://i.imgur.com/q3WdlS8.jpg What does your run of XIRR() get for the "Annual % Return"? That is, annualized return? The trick is the "Annualized" bit. :) Annualizing your 1-day 2.65% return is kinda meaningless. You should kn...
by acegolfer
Sat Jul 11, 2020 10:28 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

livesoft wrote:
Thu Jul 09, 2020 4:50 pm
IJS is the best performing ETF I have in 2020. XIRR() shows the annualized return to be 1,378% although in one account it is 29,748%.
I don't trust your 29,748% XIRR calculation, unless you share the transactions.
by acegolfer
Sat Jul 11, 2020 6:32 am
Forum: Investing - Theory, News & General
Topic: DFA Small-Cap Value has now underperformed since inception
Replies: 52
Views: 3347

Re: DFA Small-Cap Value has now underperformed since inception

Would a 27-year forward test be construed as an out-of-sample failure of the F-F 3-factor model? No, because the FF 3-factor model makes no predictions for performance of the factors. This is not quite correct. The expected value of a risk premium is positive. How long of a test do we need to get a...
by acegolfer
Thu Jul 09, 2020 3:39 pm
Forum: Personal Consumer Issues
Topic: Need advice for raspberry pi
Replies: 36
Views: 2285

Re: Need advice for raspberry pi

I have 3 RPi's working full time around my house. As a starter, just get the 3 essentials: Pi itself, a 5v/2.5amp power supply (note that it's different from a regular phone charger) and a micro SD card (if you don't have a spare.) The rest (even the case) are non-essentials. RPi can do many differe...
by acegolfer
Thu Jul 09, 2020 1:57 pm
Forum: Personal Consumer Issues
Topic: Help with Internet and TV issue
Replies: 5
Views: 433

Re: Help with Internet and TV issue

Can anyone explain why when my internet goes down (which seems to last several minutes at a time) my tv remote doesn't work? What I have - a Samsung tv that is hooked up to Comcast cable. I have a 4k DVR box. I also have Comcast for internet and phone service. I have my own modem for my internet an...
by acegolfer
Wed Jul 08, 2020 8:33 pm
Forum: Personal Consumer Issues
Topic: drop Spectrum for over-the-air TV
Replies: 19
Views: 1040

Re: drop Spectrum for over-the-air TV

QUESTION: Is there a control I can get that will let you select the way you can with the cable controller? I didn't see anyone who actually answered your question. You probably need an old person like me. The answer is yes: The remote control my digital tv has all ten digits and a decimal point on ...
by acegolfer
Wed Jul 08, 2020 5:56 pm
Forum: Personal Consumer Issues
Topic: Google voice is dropping calls. Anyone else?
Replies: 11
Views: 821

Re: Google voice is dropping calls. Anyone else?

Google voice is not a single service. I make google voice calls using my phone carrier, phone GV app, PC, Google Home Mini and SIP device. Not experienced dropping calls lately because of Google fault. Which device do you use? A cellphone that has a Mint sim card. Then it's 99% mint's fault. Your i...
by acegolfer
Wed Jul 08, 2020 4:57 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

Uncorrelated wrote:
Wed Jul 08, 2020 3:33 pm
difference is very significant
That's a very low bar for significance. I suspect it's not even one standard deviation away from zero.
Do you have any example with stocks returns, where it's more than one STDEV away from zero? I suppose you understand the difference between STDEV and SE.
by acegolfer
Wed Jul 08, 2020 4:14 pm
Forum: Personal Consumer Issues
Topic: Google voice is dropping calls. Anyone else?
Replies: 11
Views: 821

Re: Google voice is dropping calls. Anyone else?

Google voice is not a single service. I make google voice calls using my phone carrier, phone GV app, PC, Google Home Mini and SIP device. Not experienced dropping calls lately because of Google fault. Which device do you use? A cellphone that has a Mint sim card. Then it's 99% mint's fault. Your i...
by acegolfer
Wed Jul 08, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Google voice is dropping calls. Anyone else?
Replies: 11
Views: 821

Re: Google voice is dropping calls. Anyone else?

Google voice is not a single service. I make google voice calls using my phone carrier, phone GV app, PC, Google Home Mini and SIP device. Not experienced dropping calls lately because of Google fault. Which device do you use?
by acegolfer
Wed Jul 08, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Password vault or generator?
Replies: 106
Views: 6399

Re: Password vault or generator?

I switched from Lastpass to Bitwarden after Lastpass was sold to a private equity.
by acegolfer
Wed Jul 08, 2020 3:32 pm
Forum: Personal Consumer Issues
Topic: drop Spectrum for over-the-air TV
Replies: 19
Views: 1040

Re: drop Spectrum for over-the-air TV

montanagirl wrote:
Wed Jul 08, 2020 1:34 pm
But you have to scroll through channels one by one.

QUESTION: Is there a control I can get that will let you select the way you can with the cable controller?
Modern TVs have "favorite" channel settings. Many can grab EPG data from OTA signal and display in table format.
by acegolfer
Wed Jul 08, 2020 2:47 pm
Forum: Personal Finance (Not Investing)
Topic: 457b (non-governmental) account question
Replies: 13
Views: 565

Re: 475b (non-governmental) account question

Interesting. Your 457b investment is not subject to claims by your employer's creditors? Never heard of such 457b non-governmental plans and it contradicts this IRS: https://www.irs.gov/retirement-plans/non-governmental-457b-deferred-compensation-plans My post, and your quote of it, both say the mo...
by acegolfer
Wed Jul 08, 2020 10:14 am
Forum: Personal Finance (Not Investing)
Topic: 457b (non-governmental) account question
Replies: 13
Views: 565

Re: 475b (non-governmental) account question

OP has non-govt option. Rollover to IRA not an option. Only 2 options: distribute to taxable or transfer to another employer non-govt 457 (if permissible). Maybe there are multiple types of non-governmental 457b plans. My wife and I, with different not-for-profit, non-governmental employers, each h...
by acegolfer
Wed Jul 08, 2020 6:53 am
Forum: Personal Consumer Issues
Topic: YoutubeTV subscription now $64.99/month
Replies: 171
Views: 13293

Re: YoutubeTV subscription now $64.99/month

We just paused Youtube TV until NFL My 9 yrs old son and I watch news together - ABC World New by David Muir (https://abcnews.go.com/WN) Is there anyway to watch ABC or CBS news online (preferably recorded) even with a fee ? I'm not interested in Sling for $30 so wondering if anyone has positive ex...
by acegolfer
Wed Jul 08, 2020 6:45 am
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3541

Re: Least Expensive Way to Have a Cellphone for emergency use only?

It looks like the Tracfone route would work best in my situation. I do have a question regarding the add-on for 365 days of service for a set fee. Does anyone know if this is a standard feature and not an occasional promotion? In other words, if I go ahead and buy one of the Tracfones, it is very l...
by acegolfer
Wed Jul 08, 2020 6:40 am
Forum: Investing - Theory, News & General
Topic: Expectations of factor investing from a factor regression
Replies: 46
Views: 2423

Re: Expectations of factor investing from a factor regression

Calculating your expected return based on factor regressions for a portfolio is an interesting exercise. I think it's best not to put too fine a point on it. Keep in mind that there is often a wide gulf over any time frame between what these expected return calculations say and the return you actua...
by acegolfer
Mon Jul 06, 2020 9:42 am
Forum: Investing - Theory, News & General
Topic: Personal Capital Acquired
Replies: 37
Views: 4248

Re: Personal Capital Acquired

Question for you folks using Excel and other tools. Are you only tracking investment accounts? That's a nice feature of PC, but the real killer feature of PC for me is tracking expenses. I have it tracking multiple savings accounts, 2 checking accounts, PayPal and 6-8 credit cards in addition to in...
by acegolfer
Sun Jul 05, 2020 6:12 pm
Forum: Personal Consumer Issues
Topic: Water Heater Leak
Replies: 23
Views: 967

Re: Water Heater Leak

DTalos wrote:
Sun Jul 05, 2020 11:42 am
jebmke wrote:
Sun Jul 05, 2020 11:41 am
Opening the relief valve might also cause the leak to start again. Sounds like it may be time for a new WH. How old is it?
9 years old. Bradford White. Do they still make quality products?
Water heater lifespan is 8-12 yrs. Seems you need a new one.
by acegolfer
Sun Jul 05, 2020 6:07 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3541

Re: Least Expensive Way to Have a Cellphone for emergency use only?

It looks like the Tracfone route would work best in my situation. I do have a question regarding the add-on for 365 days of service for a set fee. Does anyone know if this is a standard feature and not an occasional promotion? In other words, if I go ahead and buy one of the Tracfones, it is very l...
by acegolfer
Sat Jul 04, 2020 12:38 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3541

Re: Least Expensive Way to Have a Cellphone for emergency use only?

1. Last year, I have changed from Red Pocket GSMA to GSMT and kept the same number. But this will lose the remaining days so you should do it on the 30th day. 2. As another poster wrote, you should also "renew" on the last day of contract. Otherwise, you will lose remaining days. That's helpful to ...
by acegolfer
Sat Jul 04, 2020 12:23 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3541

Re: Least Expensive Way to Have a Cellphone for emergency use only?

Even if there were a renewal option it would only be good for renewals within the same network, I believe. Red Pocket customer service is pretty good via chat. If that doesn't work out, I recommend Number Barn for porting out and back in. Cool! For OP and others following along: looks like for $7, ...
by acegolfer
Fri Jul 03, 2020 3:48 pm
Forum: Personal Consumer Issues
Topic: DVR for OTA TV
Replies: 53
Views: 2886

Re: DVR for OTA TV

There are 2 options: simplicity or free. Unfortunately, there's no free simple option. Simplicity: You purchase a DVR box and pay for the service. Best example is Tivo or Tablo. Free: Install DVR software in a computer and get a TV tuner that your PC can access. The ideal setup is TVHeadend + HDHR. ...
by acegolfer
Fri Jul 03, 2020 3:35 pm
Forum: Personal Consumer Issues
Topic: Least Expensive Way to Have a Cellphone for emergency use only?
Replies: 54
Views: 3541

Re: Least Expensive Way to Have a Cellphone for emergency use only?

I paid $60 for a new Moto E5 + Tracfone 1-yr service last year. It's perfect for minimal usage. HSN.com and QVC.com regularly run Tracfone bundle specials. Go to slickdeals.net and search for current deals.
by acegolfer
Fri Jul 03, 2020 10:55 am
Forum: Investing - Theory, News & General
Topic: Question about std dev, beta and stock risk
Replies: 2
Views: 181

Re: Question about std dev, beta and stock risk

Hi All I recently learned that a friend has a high percentage if his savings in a handful of tech stocks. I've told him that company specific risk comes with no expected added premium. I'm now looking for a way to explain this risk in numbers. I've learned that beta is not useful if the asset has a...
by acegolfer
Mon Jun 29, 2020 6:05 am
Forum: Investing - Theory, News & General
Topic: Why is risk often defined as volatility?
Replies: 27
Views: 1784

Re: Why is risk often defined as volatility?

OP, you got it wrong. Volatility is not risk. Instead, it's "a measurement" of risk. There are other measurements but stdev is arguably the most popular method. The problem with this is many ppl like you now think volatility is the only risk.
by acegolfer
Thu Jun 25, 2020 8:29 am
Forum: Personal Consumer Issues
Topic: Update current laptop or buy new one?
Replies: 58
Views: 3960

Re: Update current laptop or buy new one?

Happy Sunday everyone. I have a 2012 Dell Inspiron N5110 that is pretty well used. It can't last being unplugged more than 45 minutes, and the laptop hinge comes apart if not opened the right way. I just added Linux to the OS using dual boot and it has helped with the speed and memory usage. Howeve...
by acegolfer
Thu Jun 18, 2020 9:08 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

Yup that all makes perfect sense, but I don't think you understand what a value-growth spread is because that is the purest way to understand whether value stocks are being bid up more than growth stocks, due to the Fama-French "disturbance", and the evidence says quite the opposite; it says that p...
by acegolfer
Mon Jun 15, 2020 4:42 pm
Forum: Investing - Theory, News & General
Topic: New "Money In Excel"
Replies: 46
Views: 6995

Re: New "Money In Excel"

Cool. But premium template sounds like it won't be free. That was my first thought too reading it, but other " Premium Templates " appear to be available for "free" to Office 365 subscribers. They are presumably not free to stand-alone Office license holders. "Available for Microsoft 365 Family and...
by acegolfer
Sat Jun 06, 2020 8:29 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

If you want to know how well real funds track long-short factors, run a factor regression and check if the alpha is statistically significant. Suppose a fund with Ri - Rf = 1% + 0.8 (MKT-Rf) + 0.5 SMB + 0.7 HML + e Var(e) = 10%^2, R^2 = 0.5, all coefficients are significant. Are you saying since al...
by acegolfer
Thu Jun 04, 2020 2:15 pm
Forum: Investing - Theory, News & General
Topic: How to Track Investment Profit?
Replies: 10
Views: 634

Re: How to Track Investment Profit?

I don't use Quicken any more. But it calculates unrealized gains. When you sell A to buy B, it gives you 2 options. (1) exchange or (2) sell and buy. The former will not realize the gain and the cost basis won't change. The latter will realize the gain and resets the cost basis.
by acegolfer
Wed Jun 03, 2020 8:27 am
Forum: Investing - Theory, News & General
Topic: Is there a computer program for making a spending report?
Replies: 13
Views: 804

Re: Is there a computer program for making a spending report?

I am looking for a computer program that I can input entries into and create a spending report for family budget. Manual entries only, no on-line interface. I have heard that Quicken allows manual entries for a spending report but after a year they badger you to buy another version and their advert...
by acegolfer
Mon Jun 01, 2020 11:47 am
Forum: Investing - Theory, News & General
Topic: The efficient frontier and bond allocation
Replies: 9
Views: 907

Re: The efficient frontier and bond allocation

bbet2402 wrote:
Mon Jun 01, 2020 3:42 am
Historical efficient frontiers show us that the difference between an 80/20 allocation and a 100% equity allocation is minimal
Can you explain this claim?
by acegolfer
Sun May 31, 2020 2:35 pm
Forum: Investing - Theory, News & General
Topic: Duration Question
Replies: 38
Views: 1703

Re: Duration Question

Duration has no bearing whatever on when you should sell a bond fund. Thanks for the reply. The above sentence doesn't make sense to me. If I own a bond fund with a five year duration, and interest rates rise by one percent shortly after I buy it, I will lose money if I sell shortly after the purch...
by acegolfer
Sun May 31, 2020 2:25 pm
Forum: Investing - Theory, News & General
Topic: Duration Question
Replies: 38
Views: 1703

Re: Duration Question

For example, an investor with a ten-year time horizon who bought one-year CDs each year would have a hard time predicting the exact amount of money available at the end of ten years. Note that reinvesting one-year CDs each year could result in more interest being collected or less interest being co...
by acegolfer
Sun May 31, 2020 10:39 am
Forum: Personal Investments
Topic: How do you keep track your investments?
Replies: 50
Views: 3581

Re: How do you keep track your investments?

Hello, Our investments are primarily at Fidelity and Vanguard. I mostly have index funds but they are not simplified to a 3-fund portfolio. Say at any time, I have about a dozen or so funds and a few stocks. I want one single place to analyze the combined investment portfolio. To use the Portfolio ...
by acegolfer
Sun May 31, 2020 10:28 am
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 34
Views: 2620

Re: The risks of using account aggregators (how they access your accounts).

Well, I guess that's (long overdue) good news, but fact is I would NEVER provide access to my investment/retirement accounts to a third-party aggregator. However secure their design might be, I just won't trust it... The tail-end risk is just too high, simple as that. Plus I just don't feel the nee...
by acegolfer
Sun May 31, 2020 10:19 am
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 34
Views: 2620

Re: The risks of using account aggregators (how they access your accounts).

Thanks for sharing this info. I used to use mint and then personal capital for NW tracking but at some became suspicious of turning over my passwords. This confirms my suspicion. I now only use mint for monthly budgeting only with access to only credit card accounts. Depends on bank. For example, m...
by acegolfer
Sun May 31, 2020 10:16 am
Forum: Personal Finance (Not Investing)
Topic: The risks of using account aggregators (how they access your accounts).
Replies: 34
Views: 2620

Re: The risks of using account aggregators (how they access your accounts).

This article came to my attention today and I gotta say, I'm somewhat floored that this is how aggregators work with at least some banks/brokers.. by scraping the screen via the actual client portal. Literally, having a computer program for taking your login credentials, going to your bank/broker w...
by acegolfer
Sun May 31, 2020 8:24 am
Forum: Personal Finance (Not Investing)
Topic: What does your budget spreadsheet look like?
Replies: 36
Views: 2472

Re: What does your budget spreadsheet look like?

Hi again everyone! I appreciate all these replies. Great stuff to think about. But just to clarify - I'm also focused on what kinds of accounts are used. When are you putting money in checking accounts? Savings accounts? CD's? Brokerage accounts? My view is that every dollar needs a homework assign...
by acegolfer
Sun May 31, 2020 5:44 am
Forum: Investing - Theory, News & General
Topic: Swedroe’s Bond Advice - no total bond index
Replies: 195
Views: 16968

Re: Swedroe’s Bond Advice - no total bond index

No, there is not. The duration of the fund is what matters, not the composition of bonds with varying maturities. Owning both long-term and short-term bonds is mathematically equivalent to owning just intermediate-term bonds. This requires yield curve to shift parallelly. If the shape changes, then...
by acegolfer
Fri May 22, 2020 7:34 am
Forum: Investing - Theory, News & General
Topic: Taxable Account - a Swiss Army Knife for Savers
Replies: 42
Views: 5879

Re: Taxable Account - a Swiss Army Knife for Savers

In fact, I wish there were more discussions of ways to leverage brokerage accounts here on these forums since they are much more powerful than the typical discussion of where to hold Bond funds or taxation. They truly are Swiss Army Knives for those interested in maxing their utility. Thank you for...
by acegolfer
Fri May 22, 2020 7:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21877

Re: Vanguard brokerage account transition

Just completed the transition. If anyone downloads CSV from vanguard, note that the format for brokerage accounts is different from MF's. Notable differences are investment names and the amounts. For example, if I purchase $1000 worth of VTSAX, "Principal Amt" is now recorded as -1000 (used to be 10...
by acegolfer
Thu May 21, 2020 8:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard brokerage account transition
Replies: 212
Views: 21877

Re: Vanguard brokerage account transition

Just transitioned. Took less than 1 day. One hiccup: Since I already had a brokerage account, the transition ended up with 2 brokerage accounts. Had to call them to consolidate (move assets) into 1 account. If anyone in the same shoe, say "ownership" to get to the right department. update: Consolida...
by acegolfer
Wed May 20, 2020 7:56 pm
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

Seems like when I last made a comparison, a 60/40 TSM/TBM was equivalent to a 45/55 SV/TBM portfolio in terms of risk. The latter doesn’t seem so outrageous, although things might have changed in the last few months. How did you measure/compare the risks between the 2 portfolios? Standard deviation...
by acegolfer
Wed May 20, 2020 10:34 am
Forum: Investing - Theory, News & General
Topic: Small Cap Value heads Rejoice !!!
Replies: 1802
Views: 143823

Re: Small Cap Value heads Rejoice !!!

rkhusky wrote:
Wed May 20, 2020 10:06 am
Seems like when I last made a comparison, a 60/40 TSM/TBM was equivalent to a 45/55 SV/TBM portfolio in terms of risk. The latter doesn’t seem so outrageous, although things might have changed in the last few months.
How did you measure/compare the risks between the 2 portfolios?
by acegolfer
Tue May 19, 2020 11:56 am
Forum: Investing - Theory, News & General
Topic: Why don't investors hedge to the upside?
Replies: 14
Views: 990

Re: Why don't investors hedge to the upside?

Is the gigantic volume of calls sold each day not sufficient? The derivatives market exceeds the value of all stocks and all bonds combined. Did you measure by notional or market value? Notional. It's not that useful to talk about the market value of a futures contract, for example. Correct. But I ...
by acegolfer
Tue May 19, 2020 10:20 am
Forum: Investing - Theory, News & General
Topic: Why don't investors hedge to the upside?
Replies: 14
Views: 990

Re: Why don't investors hedge to the upside?

This is intriguing. Basically if my preferred ETF is $100/share today locking in a price over the next 12 months of purchases of $0 - $120? Is buying calls the best way to do this? I know in a bunch of threads where LEAPS are discussed as a leverage technique someone always chimes in that futures a...