Search found 1456 matches

by mas
Thu Mar 12, 2015 2:04 am
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 7895

Re: Automated Rosetta Stone?

I had not been aware that userscripts.org had vanished.
Maybe this place will be more stable:
https://github.com/mas-bogleheads/TickerDescribe

Direct link (now supports https):
https://github.com/mas-bogleheads/Ticke ... be.user.js

Anyone who cares to enhance or update can collaborate on github...
Or if Bogleheads wants to host it they are free to do so.
by mas
Tue Dec 04, 2012 2:56 am
Forum: Personal Consumer Issues
Topic: Vanguard is on the Password Hall of Shame.
Replies: 250
Views: 47833

Re: Vanguard is on the Password Hall of Shame.

The reality is a character password limit tells us nothing about their internal data handling practices. Exactly. My crystal ball is telling me a few reasons that these password related "business rules" exist: ⋅ Legacy systems ⋅ Bureaucracy Don't take me for a Vanguard...
by mas
Fri Nov 16, 2012 3:09 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips yield @0.247%!!!
Replies: 53
Views: 5792

Re: 30 year tips yield @0.247%!!!

How does one link directly to FRED, rather than saving the image and linking to imageshack or the like? If you use Firefox, right click on the image and then choose "Copy Image Location" You end up with something like this: m Then inside the "img" tag: https://research.stlouisfe...
by mas
Tue Nov 13, 2012 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Municipal Bond Funds in Taxable Account
Replies: 6
Views: 1099

Re: Municipal Bond Funds in Taxable Account

Who is "it"? Look for the missing letters (they weren't missing until you ...ed them). Hint: there are three of them. They aren't ETF, but that's another hint. Seems a bit of a harsh way to clarify a misunderstanding. Saving$: ⋅ MHI is a CEF (closed end fund) and has a market pr...
by mas
Tue Nov 13, 2012 12:23 am
Forum: Investing - Theory, News & General
Topic: The 'noise' to avoid: A lesson from the muni non-crisis.
Replies: 12
Views: 1345

Re: The 'noise' to avoid: A lesson from the muni non-crisis.

Also, I would not dismiss the "social default" issue that you mention. This is very real. Sure it is real for the people impacted, but if you invest in municipal bonds... it isn't you that is impacted. I'm sure that the article is correct on the numbers, but I think that the muni crisis i...
by mas
Fri Sep 28, 2012 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: deferred compensation
Replies: 4
Views: 580

Re: deferred compensation

These plans can vary considerably, and go under a few nicknames like "Top hat" plans, "Rabbi trust", etc... depending on the particulars. The risks noted by previous posters are certainly important.

More info here:
http://en.wikipedia.org/wiki/Nonqualifi ... mpensation
http://www.bogleheads.org/wiki/Employer ... ation_Plan
https://www.google.com/search?sitesearc ... nsation%22
by mas
Wed Feb 08, 2012 11:25 am
Forum: Investing - Theory, News & General
Topic: Why are ETN's not trading at a discount?
Replies: 14
Views: 865

Re: Why are ETN's not trading at a discount?

smpatel wrote:ETN has the credit risk but aren't they required to hold underlying basket of securities as promised by the contract and manage like mutual fund/etf?

No, the contract specifically says that they are "uncollateralized debt".
by mas
Wed Feb 01, 2012 8:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone selling TIPs now?
Replies: 58
Views: 5924

Re: Anyone selling TIPs now?

nisiprius wrote:Don't answer here, I'm starting a new thread about it.

Too late!
by mas
Wed Feb 01, 2012 8:31 pm
Forum: Investing - Theory, News & General
Topic: Anyone selling TIPs now?
Replies: 58
Views: 5924

Re: Anyone selling TIPs now?

I don't know what the regulation is that causes the result, but it is certainly true that TIPS funds pay out the inflation increment as received. If one owns a TIPS fund, it is a good idea to understand that, as spending the entire dividend will defeat the whole point of owning TIPS. But the inflat...
by mas
Thu Jan 26, 2012 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: IT professionals-business software licenses
Replies: 11
Views: 922

Re: IT professionals-business software licenses

Is it customary that every seat that uses the software gets licensed? Or is some other method generally used such as only purchasing 25 licenses to service 50 employees? If so how are the licenses monitored by the firm that purchased the licenses? Are there other methods employed to enable firms to...
by mas
Fri Jan 20, 2012 10:17 am
Forum: Investing - Theory, News & General
Topic: Hedge Funds May Sue Greece if It Tries to Force Losses
Replies: 11
Views: 895

Re: Hedge Funds May Sue Greece if It Tries to Force Losses

I listened to a Bloomberg podcast regarding this. It seems that some hedge funds own Greek bonds. They bought insurance against the possibility of a Greek default. These hedge funds will receive more money from a Greek default, than from a "voluntary" 50% haircut. Therefore, they are thre...
by mas
Thu Jan 19, 2012 1:46 pm
Forum: Investing - Theory, News & General
Topic: bogle on tactical allocation
Replies: 8
Views: 1380

Re: bogle on tactical allocation

i'd be more interested in barclays capital us aggregate bond yield (which vanguard's total bond is based on). is there a significant difference between barclays yield and treasury bond yield? You can get a snapshot here, but I didn't find history: m As of Jan 18,2012: U.S. Aggregate 2.18% U.S. Trea...
by mas
Wed Jan 18, 2012 10:44 pm
Forum: Personal Finance (Not Investing)
Topic: Is Vanguard Cost Basis Tax Reporting Correct?
Replies: 6
Views: 841

Re: Is Vanguard Cost Basis Tax Reporting Correct?

abuss368 wrote:2) Is the recording of transactions in Quicken of any value?

If you are only using average cost basis, then I think the answer is no.
by mas
Wed Jan 18, 2012 8:59 pm
Forum: Investing - Theory, News & General
Topic: bogle on tactical allocation
Replies: 8
Views: 1380

Re: bogle on tactical allocation

Go here and get Shiller's Excel spreadsheet: m He has in there the S&P500 index value (^GSPC) and dividend value (of the index, not any particular fund representing it) on a monthly basis. There is also a column in there for long term treasury bond yield, although you could get that directly (or...
by mas
Tue Jan 17, 2012 8:39 pm
Forum: Investing - Theory, News & General
Topic: investing software
Replies: 3
Views: 454

Re: investing software

by mas
Sun Jan 15, 2012 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Has anyone been contacted by the IRS regarding TLH?
Replies: 21
Views: 2132

Re: Has anyone been contacted by the IRS regarding TLH?

My best guess is that it is more likely to be scrutinized during an audit, than before. As others have pointed out, the IRS doesn't collect enough info on a normal tax return to police most wash sales reporting.
by mas
Fri Jan 13, 2012 7:56 pm
Forum: Investing - Theory, News & General
Topic: If vanguard fund failed, would its ETF have problems too?
Replies: 1
Views: 404

Re: If vanguard fund failed, would its ETF have problems too

Or is the Vanguard ETF isolated from the corresponding fund risk wise? I would think the two are not isolated. http://www.finra.org/Investors/protectyourself/InvestorAlerts/MutualFunds/p006022 What Are Mutual Fund Classes? A single mutual fund, with one portfolio and one investment adviser, may off...
by mas
Fri Jan 13, 2012 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: VBTLX and VTIAX benchmark question
Replies: 4
Views: 1522

Re: VBTLX and VTIAX benchmark question

What does it mean? It means that those funds changed their benchmark in the past (which is *almost* totally irrelevant to you now). Prior to 12/31/09, VBTLX attempted to match the composition and returns from one index, and now it attempts to match another index. If you invest now, only the current...
by mas
Mon Jan 09, 2012 10:04 pm
Forum: Personal Finance (Not Investing)
Topic: Expense Ratio Returns
Replies: 2
Views: 348

Re: Expense Ratio Returns

Mutual fund prices are quoted with the expense ratio already factored in. Every day, a prorated amount is deducted from the fund's net assets. Loads on the other hand are not. Every investor has different entry/exit points, so it would be difficult to include such data. The best I know of is "T...
by mas
Sun Jan 08, 2012 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do Banks really check the name on a Check?
Replies: 17
Views: 10489

Re: Do Banks really check the name on a Check?

Several years ago my father sent a birthday check to my son (who was 1 or 2 at the time). We mailed it in for deposit in our account, and it was sent back because it was made out to the wrong name. This is the reason that he now has an account in his name.
by mas
Sat Jan 07, 2012 6:15 pm
Forum: Investing - Theory, News & General
Topic: Can One LOCK IN GAINS?
Replies: 9
Views: 1213

Re: Can One LOCK IN GAINS?

You can change your basis, you can change your risk profile, but can you LOCK IN gains? I think these are the choices in play, and your post is correct. I didn't see the other thread mentioning VWITX, but there is one reasonable alternative. FDIC insured CDs. You could conceivably retain the durati...
by mas
Thu Jan 05, 2012 11:40 am
Forum: Investing - Theory, News & General
Topic: New Morningstar feature
Replies: 3
Views: 417

Re: New Morningstar feature

Thats a nice addition, but the information isn't new... if you know how to look it up.

For instance:
http://finance.yahoo.com/quotes/VXUS,%5EVXUS.IV

At yahoo, the IIV was 15 minutes more recent than at M*, when I looked.
by mas
Wed Jan 04, 2012 11:50 am
Forum: Investing - Help with Personal Investments
Topic: style box question
Replies: 6
Views: 327

Re: style box question

Your assumption is incorrect. I think that there is enough ambiguity in the question that letsgobobby should clarify what he means. My interpretation of his question was that he wanted to know what the style box for "the market" would look like. VTSAX is a good approximation for that. If ...
by mas
Thu Dec 29, 2011 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: Best Frugal Way to Create a Will
Replies: 32
Views: 4625

Re: Best Frugal Way to Create a Will

BigFoot48 wrote:WillMaker will do an excellent job for the two wills you need to create.

I used WillMaker as well. It seemed to do a good job, but I haven't actually tested the probate process yet. I'll post back to this thread upon my passing. :wink:
by mas
Mon Dec 26, 2011 2:44 pm
Forum: Forum Issues and Administration
Topic: Non-persistent login
Replies: 22
Views: 1922

Re: Non-persistent login

I don't think there is a time out. Yes. It definitely does. Somewhere between 30 min and 2 hrs, based on my test today. FWIW, I turn on the computer in the morning and start FF. One of the home tabs is set to bogleheads.org. Many days the computer is on for over 12 hours and I have never had bogleh...
by mas
Sun Dec 25, 2011 4:23 pm
Forum: Forum Issues and Administration
Topic: Non-persistent login
Replies: 22
Views: 1922

Re: Non-persistent login

Is there an automatic logoff after a certain time? Yes. There is a configuration setting called "Session Length": m I'm not sure what the default value is (potentially 1 hour), nor what setting is configured on Bogleheads. If there is, what activity resets the timer? Basically any request...
by mas
Thu Dec 22, 2011 11:37 am
Forum: Forum Issues and Administration
Topic: Who Is Online: Forum or Fora?
Replies: 12
Views: 1263

Re: Who Is Online: Forum or Fora?

I am curious - wasn't this 'online' ribbon a new addition that was added on after the latest revision/upgrade of the site? I'm not sure about the "ribbon", but the setting (and some version of the view of who is online) was there in the prior software. I know that I had mine set to "...
by mas
Thu Dec 22, 2011 9:39 am
Forum: Forum Issues and Administration
Topic: Who Is Online: Forum or Fora?
Replies: 12
Views: 1263

Re: Who Is Online: Forum or Fora?

porcupine wrote:So, I check off that box each time I log in - would be nice if that can be a permanent account option.

There is
  • User Control Panel
  • Board Preferences
  • Edit Global Settings
  • Hide my online status

ucp.php?i=174
by mas
Tue Dec 20, 2011 3:09 pm
Forum: Personal Consumer Issues
Topic: java question
Replies: 21
Views: 1374

Re: java question

It may not help, but it wouldn't hurt to upgrade to the latest:
http://www.oracle.com/technetwork/java/ ... 77142.html

Possibly could be this fixed bug:
http://bugs.sun.com/bugdatabase/view_bu ... id=7073337



You didn't mention what you were doing when the error occurs.
by mas
Sat Dec 17, 2011 9:04 am
Forum: Forum Issues and Administration
Topic: Vanguard Fund, Admiral, ETF = 3 Tickers !!!
Replies: 8
Views: 1990

Re: Vanguard Fund, Admiral, ETF = 3 Tickers !!!

The author of the virus knows I have a Vanguard account and could conceivably access my account. Do you have absolute proof this program is safe? Well, don't trust my opinion of it (I'm the author). Though I hope that you don't share your account details here in public (or use the same username/pas...
by mas
Fri Dec 16, 2011 9:54 am
Forum: Forum Issues and Administration
Topic: Vanguard Fund, Admiral, ETF = 3 Tickers !!!
Replies: 8
Views: 1990

Re: Vanguard Fund, Admiral, ETF = 3 Tickers !!!

As a matter of fact, yes. Or at least something close to what you describe.

http://userscripts.org/scripts/show/87684
It is not a change to the board software, but something that each user can choose to do on their own.
by mas
Tue Dec 13, 2011 10:54 am
Forum: Forum Issues and Administration
Topic: Passwords sent in plaintext
Replies: 8
Views: 1224

Re: Passwords sent in plaintext

greg24 wrote:There was a recent conversation about this. Search for it.

viewtopic.php?t=85181

While I admire the work and resources that keep this site running, security does not seem to be a priority. Poster beware...
by mas
Mon Dec 05, 2011 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: more info on Class A shares and Class B shares
Replies: 9
Views: 479

Re: more info on Class A shares and Class B shares

btenny is right, the difference is between mutual funds and stocks. Although, I expect it is just an arbitrary naming convention. Concrete examples might help: Franklin Income A - FKINX Maximum Sales Fees Initial 4.25% Deferred — Redemption — Franklin Income B - FBICX Maximum Sales Fees Initial — De...
by mas
Tue Nov 15, 2011 9:41 pm
Forum: Investing - Theory, News & General
Topic: Is Interest a Scam?
Replies: 49
Views: 3890

Re: Is Interest a Scam?

... This leads me to believe that interest is really a scam designed to generate profits for private banks... I'm not sure whether it is a scam or not, but of course interest is designed to generate profit for private banks lenders. If this bothers you, then its pretty easy to avoid. Just don't bor...
by mas
Fri Nov 04, 2011 12:02 pm
Forum: Investing - Theory, News & General
Topic: Financial Engines for a 401K-What do you think?
Replies: 11
Views: 1714

Re: Financial Engines for a 401K-What do you think?

Hopefully you've recognized that the Financial Engines calculation of "How much income could you have in retirement" 1) includes social security and 2) appears to use a withdrawal rate of significantly greater than the the 4% most often considered safe (they use 6.4% by my calculation). I...
by mas
Mon Oct 24, 2011 7:27 pm
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 7895

Re: Automated Rosetta Stone?

Oicuryy wrote:Thanks, mas. I was hoping you would make an update.

Ron

Well, I'm glad someone is using it :)
You and I may be the only 2.
by mas
Sun Oct 23, 2011 8:49 pm
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 7895

Re: Automated Rosetta Stone?

Since the forum was upgraded, the script stopped working. There is now an updated version that works with the new forum software. See: m Anyone who had used it in the past needs to visit and re-install the new version. (this version also has an updated list of ticker symbols, as there have been new ...
by mas
Sat Oct 22, 2011 7:42 pm
Forum: Investing - Theory, News & General
Topic: History: Round lots
Replies: 9
Views: 1253

Re: History: Round lots

I really have no idea what programming practices are used for financial and accounting software, but I think it would be wildly inappropriate to use a language like C++ for financial work, or to store values representing sums of money as floating-point "floats" and "doubles." I ...
by mas
Thu Oct 13, 2011 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: Best way to shorten the life of a mortgage
Replies: 35
Views: 4050

If I remember correctly through the end of the month you can still get iBonds that are yielding 4.6% with tax advantages and after the end of the month I would think they might still be in the mid 3% range which could be competitive to your effective mortgage interest rate if you are able to deduct...
by mas
Thu Oct 13, 2011 8:55 am
Forum: Personal Finance (Not Investing)
Topic: Best way to shorten the life of a mortgage
Replies: 35
Views: 4050

Re: Best way to shorten the life of a mortgage

This is very easy. From what I understand, your mortgage rate is significantly higher than your savings interest rate. Whenever you have "extra" money that you are targeting towards mortgage principal, pay it right away. If you have saved up part of a lump sum already, then use it as a lum...
by mas
Wed Sep 28, 2011 8:46 am
Forum: Investing - Theory, News & General
Topic: Trading during last 30 minutes of day...explain please!?
Replies: 50
Views: 6225

If we know this is going to happen based on the programming why isn't it exploited? Shouldn't other "big boy" investors be exploiting their peers prior to the last 15-30 minutes? I think this gets to the heart of the matter. Yes, big sophisticated investors would exploit this if it truly ...
by mas
Wed Sep 21, 2011 10:15 am
Forum: Personal Consumer Issues
Topic: VG web pages do not fit screen
Replies: 21
Views: 1871

Re: VG web pages do not fit screen

The problem is most likely that the page is incompatible with Firefox . Most likely Vanguard is trying to have complete control of the appearance and got something wrong, but it's also possible there is a bug in Firefox. And yet it works fine* on Windows Vista with Firefox 6 for me. * where fine me...
by mas
Mon Sep 19, 2011 7:05 pm
Forum: Personal Consumer Issues
Topic: VG web pages do not fit screen
Replies: 21
Views: 1871

It is not likely relevant how big the monitor is, but rather what the screen resolution is set to. It fits fine on mine (1280x1024 pixels). When I adjust the window to be smaller horizontally, it starts to scroll at about 980 pixels. I suspect that if you can change your display settings to 1024x768...
by mas
Sun Aug 28, 2011 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account how does it work ?
Replies: 11
Views: 1874

greenspam wrote:no, because the fund itself can incur capital gains/losses, which are passed onto the investor, even if the investor does not sell the fund

And that is covered by the 1099-DIV
by mas
Sun Aug 28, 2011 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Taxable account how does it work ?
Replies: 11
Views: 1874

Re: Taxable account how does it work ?

At the end of the year I will know how much I made and then I will pay tax on that ? Your broker will send you a 1099-DIV and/or a 1099-INT, which records how much dividends (and capital gains distributions) and interest that you received for the year. Then I have to keep track each year what I mad...
by mas
Thu Aug 11, 2011 7:14 pm
Forum: Investing - Theory, News & General
Topic: More funds getting Admiral shares
Replies: 21
Views: 4283

... in an employer offering in which the Admiral funds are all strictly off limits, no matter the balance. Not sure what logic dictates such decisions -- if Vanguard were strictly trying to gouge captive consumers I would understand it very easily but I don't have the sense that that's Vanguard's p...
by mas
Thu Aug 11, 2011 10:33 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Exchange Timing
Replies: 13
Views: 5694

So if I do an exchange between 2 mutual funds at 3 pm today do I get that price for the next morning ? Mutual funds only get priced at the close of the day (4PM eastern), so you will never get the opening price for the morning. If Vanguard already has your money (an exchange), and you submit it at ...
by mas
Wed Aug 10, 2011 11:12 pm
Forum: Investing - Theory, News & General
Topic: Explain VTI Underperformance During its Early Years
Replies: 20
Views: 2660

I think I am comparing ACC version of the fund (the data provided apparently by seligson here [1]). Is there a way to compare the seligson products against Vanguard products in Moringstar? I did some comparison here but for some reason it does not find Vanguard products to the comparison. I was una...
by mas
Wed Aug 10, 2011 8:39 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard's TIPS fund up more than other Treasuries?
Replies: 19
Views: 2341

The most direct cause is that the funds hold different bonds. Inflation protected treasuries did better today, relative to nominal treasuries. You can verify that directly: m 5-Year nominal: -0.075 (yield dropped, and the price of the bonds rose) 5-Year TIPS: -0.181 (again, the yield dropped (but mo...