Search found 22479 matches

by LadyGeek
Mon May 04, 2009 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my company drop VG Windsor Fund in its 401(k)?
Replies: 5
Views: 1550

mas - Agreed. My thinking is that this seems a bit like performance chasing. But, why not just go with another VG fund? The 401(k) is managed by a company that is a wholly owned subsidiary - created just for benefits management. IOW, they do their own thing. This isn't the only private fund availabl...
by LadyGeek
Mon May 04, 2009 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my company drop VG Windsor Fund in its 401(k)?
Replies: 5
Views: 1550

Why did my company drop VG Windsor Fund in its 401(k)?

I just got a notice that my employer will be dropping VG Windsor Fund (VWNEX - Admiral fund) and replacing it with a private Value Fund in June 2009. Edited version, relevant statements only: ============= ...discontinuation of the Windsor Fund and replacing it with a fund named the Value Equity Fun...
by LadyGeek
Mon May 04, 2009 4:14 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

...Agreed that FF drew people's attention to size and value, though to me (per the wiki) the "key point" of their model wasn't so much to allow investors to weight their portfolios to small and value as to argue that the alpha from CAPM could be mostly made to disappear by adding the two additional...
by LadyGeek
Sun May 03, 2009 10:17 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

peter71 - Sorry, your question is out of my league. Thanks to mas for the assistance. I'll try to help from what I know (not much). The tutorial paper from Dartmouth, Understanding Risk and Return, the CAPM, and the Fama-French Three-Factor Model , contains a lot of regression analysis that I didn't...
by LadyGeek
Sun May 03, 2009 7:08 pm
Forum: Personal Consumer Issues
Topic: Slipping Sox
Replies: 33
Views: 4754

+1 on quality pitching. We won a few games because the Phillies offense came through in late-inning rallies. They wouldn't have had to do that if the starting pitching wasn't so shaky right now. As for Pat Burrell, we're saying "Pat who?" right now. Raúl Ibañez is unbelievably hot right now. Both hi...
by LadyGeek
Sun May 03, 2009 4:35 pm
Forum: Personal Consumer Issues
Topic: Slipping Sox
Replies: 33
Views: 4754

We took care of the Rays last year. Will be happy to do it again. No problem.

Signed,

The Phillies

(For the record, the reference is to the Boston Red Sox, not that other Sox color.)
by LadyGeek
Sun May 03, 2009 4:26 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

Thanks! wiki updated.
by LadyGeek
Sun May 03, 2009 4:14 pm
Forum: Investing - Theory, News & General
Topic: Monte Carlo Fails to Gauge Extreme Events
Replies: 146
Views: 26330

Be sure to read the article comments: http://online.wsj.com/article/SB124121875397178921.html#top-of-comments%26articleTabs%3Dcomments I found one interesting comment: "Fat-tailed" models are hard to validate due to lack of data points. That wasn't discussed in the article, but it might be out of co...
by LadyGeek
Sun May 03, 2009 2:51 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

How does this look? CAPM - Capital Asset Pricing Model I overhauled the section discussing beta (needs review!) and added the Weighted Average Cost of Capital. I wanted to keep things focused on CAPM, so I briefly mentioned the Dividend Discount Model. I don't understand the "pa" in the equity risk ...
by LadyGeek
Sun May 03, 2009 12:33 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

Thanks! Everything I read about CAPM uses it for pricing stocks. I did not know that it had other uses. magellan - The wikipedia entry for beta doesn't discuss WACC (but it links to it). I would have never linked CAPM with WACC without Valuethinker's insight. I find the Dartmouth paper easy to under...
by LadyGeek
Sun May 03, 2009 10:24 am
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

Re: Engineer's view of CAPM, F/F 3-factor models, please com

Thanks for your effort on this. I think I learned something reading your writeup. It will be interesting to see if this page evolves further. ... After I got to the end, it suddenly became apparent that the Fama / French 3-factor model is the Morningstar style chart! :o I never knew that. ... I'm n...
by LadyGeek
Sat May 02, 2009 2:23 pm
Forum: Investing - Help with Personal Investments
Topic: Savings Bond Wizzard
Replies: 6
Views: 1578

I assume you are using this TD calculator . It works for $1000 value. "Impossible series/denomination/issue date selection. Valid issue dates for $10000 Series I Bonds are 05/1999 through 01/2008." Maybe it's this: Enter the date as 2 digit months + 4 digit years, e.g. 032008 for March 2008. Be sure...
by LadyGeek
Sat May 02, 2009 2:06 pm
Forum: Investing - Theory, News & General
Topic: Engineer's view of CAPM, F/F 3-factor models, please comment
Replies: 27
Views: 4679

Engineer's view of CAPM, F/F 3-factor models, please comment

As they say, the best way to learn a subject is to try to teach it. I'm publishing what I learn in the Bogleheads Wiki . However, there are more than a few finance topics that I'm in over my head. I did the best I could, but I don't want anything in the wiki to be incorrect or misleading. Can someon...
by LadyGeek
Sat May 02, 2009 7:45 am
Forum: Personal Finance (Not Investing)
Topic: i bond calculator
Replies: 5
Views: 2195

Any more? I took your suggestion and created a Bond calculators section to the wiki. I also threw in the US Treasury bond calculator.

Please see Tools and Calculators on the Bogleheads Wiki.
by LadyGeek
Tue Apr 28, 2009 10:10 pm
Forum: Personal Consumer Issues
Topic: That Extravagant Thing You Do
Replies: 245
Views: 49766

Extravagant spending (considered by some people...):

Single malt 30 year old scotch.

Remy Martin Louis XIII cognac (not yet, but on my list...).

A new PC (must have the latest), photography equipment.

Going on vacation fishing is not extravagant. It's in the budget. So is fine wine and beer.
by LadyGeek
Tue Apr 28, 2009 9:59 pm
Forum: Personal Finance (Not Investing)
Topic: Refinance or not- home equity twist
Replies: 6
Views: 1386

Be sure to check all the mortgage refi calculators in the wiki.

The refi calculators by the Mortgage Professor might cover what you're asking.

Inflation and tax rates will affect your decision. Try guessing on future interest rates with these calculators and see if refi makes sense.
by LadyGeek
Mon Apr 27, 2009 9:28 pm
Forum: Forum Issues and Administration
Topic: Watching topic stops sending e-mails
Replies: 7
Views: 2247

I haven't had that problem, but I use another technique. Instead of watching for an email, I use the Search feature at the top of the page to search for my own posts. I often post in threads I'm interested in, so this is a quick-n-dirty way to keep up to speed with what I'm following. Put "DP" in th...
by LadyGeek
Mon Apr 27, 2009 9:21 pm
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 16501

Only two handguns for red blooded American males: 1. Smith & Wesson - .357 2. Colt - .45 And for red-blooded American females: 9 mm 8) You want a real challenge? Try target shooting with an air pistol. It's not classified as a firearm and cheap (compared to bullets). The velocity is s-o-o-o much sl...
by LadyGeek
Mon Apr 27, 2009 6:32 pm
Forum: Personal Consumer Issues
Topic: Dashboard indicator lights
Replies: 22
Views: 4431

Second on the loose ground wire. Standard troubleshooting technique - I'm betting you had your car serviced just before the problem started. Check in the area of the car that was serviced.

Did you have any service to check / clean the battery posts? Something like that.
by LadyGeek
Mon Apr 27, 2009 4:22 pm
Forum: Personal Consumer Issues
Topic: Buying a Handgun
Replies: 121
Views: 16501

Do you want to shoot competitively or for self-defense (accuracy vs. range vs. impact)? Don't even think about buying one without holding it in your hands and actually firing it. You'd be very surprised on both how the gun feels in your hand (balance, comfort) and how much kickback there is (caliber...
by LadyGeek
Sun Apr 26, 2009 9:07 pm
Forum: Personal Consumer Issues
Topic: Cognitive enhancement software
Replies: 24
Views: 4442

I agree with SP-diceman. Take a close look at the documented research. Not the unpublished studies, the ones that are published and have a significant number of study participants (> 100). On your web site here: http://www.positscience.com/science/studies_results/all_studies.php Follow through to th...
by LadyGeek
Sun Apr 26, 2009 7:02 pm
Forum: Forum Issues and Administration
Topic: Original Poster - tracking.
Replies: 8
Views: 2825

One suggestion would be to open the thread in a new tab or window. That way, you can keep reading while having your "reference" page easily available.

In Firefox or Internet Explorer, right click on the link --> "Open in New Tab" or "Open in New Window"
by LadyGeek
Thu Apr 23, 2009 9:18 pm
Forum: Investing - Theory, News & General
Topic: One in five Britons suffers from 'financialphobia'
Replies: 4
Views: 1305

Was that study funded by a pharmaceutical company? If not, it should be.

That's a common tactic - take a drug that's not doing well and find a rare disease to fit it. Instant sales boost.
by LadyGeek
Wed Apr 22, 2009 7:48 pm
Forum: Personal Finance (Not Investing)
Topic: Kudos to American Express
Replies: 36
Views: 6043

I specifically purchased a TV with an AMEX card to double my manufacturer's warrany (1 year). Sure enough, near the end of my 2nd year, it had a problem. AMEX came through with a reimbursement (credit to the account).
by LadyGeek
Sun Apr 19, 2009 9:30 pm
Forum: Investing - Theory, News & General
Topic: PetroChina on Vanguard's July 2 Proxy Ballot
Replies: 61
Views: 8918

Take a look at the bigger picture. Vanguard isn't the only target for this latest round of "socially responsible" investing: Google news search. For me, further discussion would go off-topic for this forum.
by LadyGeek
Sun Apr 19, 2009 9:12 pm
Forum: Personal Consumer Issues
Topic: Trader Joes Wine Favorites
Replies: 37
Views: 6455

Trader Joe has wine?? Oops. Forgot I lived in Pennsylvania for a second. :(

(Wine sales controlled by the state.)
by LadyGeek
Sun Apr 19, 2009 9:04 pm
Forum: Investing - Help with Personal Investments
Topic: unique international situation retired at 32 what allocation
Replies: 28
Views: 4700

Hello, welcome to the forum. It's encouraging to see other women who have confidence to do things themselves. My background is engineering, not investing. I came to this forum with many questions and received a substantial amount of guidance. As a result, I'm now trying to help others. Based on my e...
by LadyGeek
Sun Apr 19, 2009 11:59 am
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22013

Larry, First, thank you for pointing out that the maximum age is only available in the paid version. As someone who has never used your software before, the user interface is critical to selling your product. I agree with yobria. However, I'd describe it differently: User interface. Specifically, da...
by LadyGeek
Sat Apr 18, 2009 8:37 pm
Forum: Personal Finance (Not Investing)
Topic: refinance?
Replies: 7
Views: 1469

Don't forget all the mortgage calculators in the wiki . Remember that taxes and rate of inflation also factor into the calculations. The Mortgage Professor Re-Fi calculator takes this into account (I'm sure there are others): http://www.mtgprofessor.com/mpcalculators/RefinancingOneMortgage/RefiI.asp
by LadyGeek
Sat Apr 18, 2009 8:19 pm
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22013

Victoria - The reason your saved information was still there is because the web site is saving a "cookie" in your web browser. Delete the cookies from your browser and your information will be gone. This version doesn't have any error checking. I entered totally invalid combinations, like for a 1st ...
by LadyGeek
Sat Apr 18, 2009 4:52 pm
Forum: Investing - Theory, News & General
Topic: ESPlanner BASIC is free
Replies: 58
Views: 22013

I entered some bogus info to see what it would do (they promise not to give any information to 3rd parties, but I don't want them to have my info). The results showed how life insurance would pan out. I didn't enter any life insurance information. You also have no control over adjusting your expecte...
by LadyGeek
Sat Apr 18, 2009 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Is it important to escrow taxes and home insurance
Replies: 34
Views: 5884

My mortgage company wouldn't let me do my own escrow until my LTV dropped below 80%. The month I reached it, I started handling everything myself and haven't looked back. I was always nervous about the mortgage company losing the bill. They also wouldn't let me drop PMI (Private Mortgage Insurance) ...
by LadyGeek
Thu Apr 16, 2009 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Help me help my girlfriend
Replies: 25
Views: 4571

There's nothing you can do. My (former) financial advisor talked me out of my STAR fund to go into Ameriprise. Three years later, I'm back into VG. This advisor's (broker?) first claim will be that he can beat Vanguard. You can't refute it. If he does better than she can by herself, he's earned his ...
by LadyGeek
Wed Apr 15, 2009 8:36 pm
Forum: Personal Finance (Not Investing)
Topic: Can you outsmart a key logger?
Replies: 33
Views: 6640

If he uses the arrow keys, no. With the mouse, maybe.
by LadyGeek
Wed Apr 15, 2009 7:21 pm
Forum: Personal Consumer Issues
Topic: Telescopes - Which one to buy?
Replies: 37
Views: 4980

Your first shot could be a satellite. The time for a satellite to traverse the sky should be a few minutes (hard to tell if you don't know which one it is). Figure out your exposure time to see if the the distance traveled matches up. Another clue is that most satellites in Low Earth Orbit (like Iri...
by LadyGeek
Wed Apr 15, 2009 6:58 pm
Forum: Personal Consumer Issues
Topic: Calculus I Help Please
Replies: 119
Views: 15965

Only if you've been cutting the same rope for the past 10 years and don't expect anything to change....
by LadyGeek
Wed Apr 15, 2009 6:56 pm
Forum: Investing - Theory, News & General
Topic: Conservative Target Date Funds
Replies: 9
Views: 1746

You should select the target retirement fund that best matches your risk tolerance. No one mentioned Vanguard's Investor Questionnaire . Use this to determine the asset allocation you are comfortable with. Then, pick the target fund year to match. Select "Begin the Vanguard® Investor Questionnaire" ...
by LadyGeek
Tue Apr 14, 2009 9:39 pm
Forum: Personal Consumer Issues
Topic: Space-Based Solar Power (SBSP)
Replies: 5
Views: 1130

The fact-avoidance writing style of the article(? or is it a press release) and related web sites raise all kinds of flags. I'm thinking this was a DoD project that got it's funding cut. Who to pawn this stuff to? The power companies. Call it green energy...In fact, call anything "green energy" thes...
by LadyGeek
Tue Apr 14, 2009 5:04 pm
Forum: Personal Consumer Issues
Topic: Space-Based Solar Power (SBSP)
Replies: 5
Views: 1130

It's not a joke, the theory works. However, there are way too many problems with the actual construction and operation. I'd doubt it would ever get built. Looks like the DoD is the actual driver for this. There's a full report here: http://www.nss.org/settlement/ssp/library/nsso.htm The end of the r...
by LadyGeek
Mon Apr 13, 2009 8:54 pm
Forum: Personal Consumer Issues
Topic: am radio fade
Replies: 12
Views: 2444

If it's not your radio, then there's probably something causing your radio to be de-sensed from interference. Think fluorescent light, dimmer, etc. The next time this happens, tune around looking for a lot of buzz or hum. Those stations don't drift (compared to your radio) and atmospheric problems w...
by LadyGeek
Sun Apr 12, 2009 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: FIOS is starting to look really good right now.
Replies: 22
Views: 5244

Interesting. I used speedtest.net and got 20/5 (12 mS latency) to a NY (close-by) server. I then tried it to Scottsdale AZ and got 11/4 (170 mS latency).

As for FiOS, I was promised 20/5 and got 20/5. Just not to everywhere all the time.
by LadyGeek
Sun Apr 12, 2009 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: FIOS is starting to look really good right now.
Replies: 22
Views: 5244

I would agree with you about Verizon's customer service (billing problems to be specific), but the speed is as-advertised. Internet speed can vary due to a lot of things. The best way is to run a test yourself and compare to others in your local area. DSL Reports is the place to go for Speed Tests ....
by LadyGeek
Sun Apr 12, 2009 4:27 pm
Forum: Investing - Help with Personal Investments
Topic: Bogleheads Book
Replies: 18
Views: 4068

Any chance for a paperback edition? I only see hard cover.
by LadyGeek
Sat Apr 11, 2009 8:24 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax 1040 and 1040X (Itemized and Standard Deduction)
Replies: 7
Views: 3011

To be clear, you and you alone are solely responsible for your taxes. The IRS comes after you, not TurboTax. I would hold-off submitting anything that doesn't look right. The 1040X is only for amending returns, so submitting both forms doesn't seem right, especially for the same tax year (I'm not a ...
by LadyGeek
Sat Apr 11, 2009 7:56 pm
Forum: Personal Consumer Issues
Topic: How to talk away the current account deficit
Replies: 2
Views: 704

You may want to put this thread in the "Investing - Theory, News & General" forum. If you would like to move this thread, PM a forum moderator and request a move.

You can see who's online in the forum index.
by LadyGeek
Sat Apr 11, 2009 7:24 pm
Forum: Personal Consumer Issues
Topic: Old PCs: Some use for them or donate to charity?
Replies: 26
Views: 4212

Techie answer: Yup. The link previously posted for Boot and Nuke points to a secure file eraser called Heidi Eraser . I haven't used it, but that's generally what you want to do. You need to know which files to erase. Typically, your personal files are on your Desktop or in My Documents. Don't forge...
by LadyGeek
Sat Apr 11, 2009 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Comcast vs Verizon
Replies: 27
Views: 7574

Verizon requires rental of a box for every non-digital TV - Comcast does not. If you take away that, they are very similar. I'm betting that Comcast doesn't require a box for non-digital TV because they haven't turned off the analog channels in your area. When Verizon turned off their analog channe...
by LadyGeek
Sat Apr 11, 2009 5:01 pm
Forum: Forum Issues and Administration
Topic: Wiki and logo links
Replies: 12
Views: 2687

I'm back on SubSilver. Thank you! The wiki logo (script "W") gives the header a classy touch. A minor comment that the forum logo colors don't match the main site and wiki logos. Something to look at if you ever decide to change the logo or profile themes. I have different suggestion on wording to i...
by LadyGeek
Sat Apr 11, 2009 4:25 pm
Forum: Investing - Theory, News & General
Topic: NYT: Bogle - He Doesn’t Let Money Managers Off the Hook
Replies: 25
Views: 4146

stratton wrote:I get a username/password combination and no article. Paul
Enable cookies. After you're done, disable cookies and clear out everything except the one from this site.
by LadyGeek
Fri Apr 10, 2009 10:02 pm
Forum: Personal Consumer Issues
Topic: Tips for changing Lawnmower Oil?
Replies: 25
Views: 6963

My lawnmower has Mobil One synthetic oil (unused from my car oil change). Runs r-e-a-l smooth. Forget the manual, here's how to do spring maintenance on-the-cheap (Bogleheads method): :P - Before changing the oil, let the mower warm up for a few seconds (but not too hot). Then, put the mower up on a...