Search found 1310 matches

by rwwoods
Wed Jun 29, 2011 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Progressive Vs State Farm for auto insurance
Replies: 24
Views: 5788

Most people I know who have State Farm are happy with it. However, in my searches for insurance, I have always found that State Farm costs more than others. Since I have a history of few claims, I look for the lowest cost provider that has a good service track record. I am currently with Alstate and...
by rwwoods
Tue Jun 28, 2011 1:04 pm
Forum: Personal Consumer Issues
Topic: Relaxing Vacation Get Away - Southeast Coast or Carribean
Replies: 16
Views: 2454

Yes, the carib is hot and humid this time of year. Aruba is outside the hurricane belt.
by rwwoods
Tue Jun 28, 2011 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: Seeking advice on spending in retirement
Replies: 38
Views: 3944

Can you really afford not to have long term care insurance? Have you analized this carefully?
by rwwoods
Mon Jun 27, 2011 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: New to Management, Looking for Advice
Replies: 34
Views: 4865

Managment training is essential to any person in a management position. Check to see what training would be available to you. If your company does not provide it, will they pay for you to take ouside courses? Training should included: leadership, deligation, employee evaluation, budgeting. Last and ...
by rwwoods
Mon Jun 27, 2011 7:24 am
Forum: Investing - Theory, News & General
Topic: Intermedate Term Gov Funds
Replies: 1
Views: 841

Intermedate Term Gov Funds

I am seeking an intermediate US treasury or goverment bond fund/ ETF. I do not have access to DFA or Vanguard mutual funds. Other than iShares Barclays 3-7 Year Treasury ETF (IEI), are there any other ETFs with high trading volume or mutual funds with low ER? All of the following ETFs have low tradi...
by rwwoods
Sat Jun 25, 2011 9:44 am
Forum: Personal Consumer Issues
Topic: Air conditioning condensation line causing standing water
Replies: 10
Views: 7067

I question why the AC is running 24/7. Do you really mean that the compressor is running 100% of the time? That is not normal.
by rwwoods
Fri Jun 24, 2011 4:01 pm
Forum: Personal Consumer Issues
Topic: wyoming?
Replies: 21
Views: 2988

Some of the high mountain roads may still be blocked by snow. Check road contitions online for up to date conditions.
by rwwoods
Fri Jun 24, 2011 3:58 pm
Forum: Personal Consumer Issues
Topic: Searching scanned documents
Replies: 6
Views: 843

Most any pdf reader can do a search in a document scanned into pdf format with one exeception. When graphics are involved, the scanner may place a graphical image of the whole page into the pdf file. Words in a graphical image cannot be read.
by rwwoods
Fri Jun 24, 2011 9:29 am
Forum: Investing - Theory, News & General
Topic: Minimized Fat Tails Portfolio
Replies: 21
Views: 5467

Thanks to all for your comments. After considering them and doing more research, I have an improved understanding of why Larry selected SCV, EMV and intermediate term treasuries. However, I fail to understand why he included TIPs. Various combinations of long -erm, interm-term and short-term treasur...
by rwwoods
Fri Jun 24, 2011 7:08 am
Forum: Personal Consumer Issues
Topic: wyoming?
Replies: 21
Views: 2988

Rocky Mt NP, CO
Chyenne, WY
Fort Laramie, WY
Snowy Range Senic Byway, WY
Little Big Horn Battlefield, WY
Oregon Trail Ruts, Guernsey, WY
Cody, WY
Beartooth Highway, WY
Jackson, WY
Grand Teaton NP, WY
Yellowstone NP, WY
Glacier NP, MT
Banff, Canada
by rwwoods
Fri Jun 24, 2011 6:46 am
Forum: Investing - Theory, News & General
Topic: Dang - just when I got my allocation figured out, a volcano
Replies: 13
Views: 2655

Is a submerged market index fund available?
by rwwoods
Thu Jun 23, 2011 6:19 am
Forum: Investing - Theory, News & General
Topic: Morningstar Market Cap Reporting
Replies: 3
Views: 562

Ah, that is the question! Is the best descriptor average or weighted average cap?
by rwwoods
Wed Jun 22, 2011 7:31 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Market Cap Reporting
Replies: 3
Views: 562

Anyone?
by rwwoods
Wed Jun 22, 2011 2:32 pm
Forum: Investing - Theory, News & General
Topic: Simba's Portfolio Simulator
Replies: 4
Views: 806

It is the correlation of the portfolio to total US market (VTSMX) and to Total International market (VGTSX). Using the 1985 to date data, a 50/50 mix of TSM and TBM has a C-US of 0.97 and C-Intl of 0.64.
by rwwoods
Wed Jun 22, 2011 10:50 am
Forum: Investing - Theory, News & General
Topic: Minimized Fat Tails Portfolio
Replies: 21
Views: 5467

JohnniNielsen wrote:Guys, so you will accept that the fixed income part is dragging portfolio performance, in the hope it will dampen the effect of an extreme event.

Is this not a high price?
You are correct. It is a price you pay to minimize the left fat tail.
by rwwoods
Wed Jun 22, 2011 9:34 am
Forum: Investing - Theory, News & General
Topic: Minimized Fat Tails Portfolio
Replies: 21
Views: 5467

Thanks for your comments. A 50/50 mix using the equities I listed resulted in less than 15% drawdown in 2008 which is acceptable to me. Its much better than the 20-25% drawdown of my current typical diversified portfolio with 55% equities and it provides improved return over my current portfolio - a...
by rwwoods
Wed Jun 22, 2011 7:32 am
Forum: Investing - Theory, News & General
Topic: Minimized Fat Tails Portfolio
Replies: 21
Views: 5467

Minimized Fat Tails Portfolio

I am in the withdrawal stage and desiging a portfolio using Larry Swedroe's principles for minimizing fat tails. I am considering a 50/50 equity/fixed mix with the following equities in equal amounts (10% each). US Growth - Vanguard Growth (VUG) US Small Value - iSHARES S&P Sm Cap 600 Value (IJS) US...
by rwwoods
Tue Jun 21, 2011 9:19 am
Forum: Personal Consumer Issues
Topic: Email software?
Replies: 41
Views: 2670

Why not use an online email account such as gmail or yahoo. No email software required and you can access your mail anywhere in the world on any computer or smartphone.
by rwwoods
Tue Jun 21, 2011 9:13 am
Forum: Investing - Theory, News & General
Topic: breakdown of the total US stock market? global market?
Replies: 10
Views: 1532

For US:

70% large
20% mid
10% small
by rwwoods
Sat Jun 18, 2011 10:43 am
Forum: Investing - Theory, News & General
Topic: Morningstar Market Cap Reporting
Replies: 3
Views: 562

Morningstar Market Cap Reporting

Morningstar reports numbers for the Average Market Cap and p/b of a fund, and in graphical fomat, the centroid of the weighted averages. Am I correct in understanding that the weighted average is the best representation for a fund for both market cap and p/b? For example, if one is seeking a small c...
by rwwoods
Wed Jun 15, 2011 6:44 am
Forum: Personal Finance (Not Investing)
Topic: Steady stream of retirement income.
Replies: 7
Views: 1988

What is your question?
by rwwoods
Wed Jun 15, 2011 6:43 am
Forum: Personal Finance (Not Investing)
Topic: Beta coefficient of mutual fund
Replies: 4
Views: 970

Googling "How to compute beta" turns up over 7 million results.
by rwwoods
Tue Jun 14, 2011 6:45 am
Forum: Personal Consumer Issues
Topic: [Poll] Hockey: Stanley Cup Finals
Replies: 29
Views: 2694

Where is the choice for "I don't care"?
by rwwoods
Mon Jun 13, 2011 2:05 pm
Forum: Personal Consumer Issues
Topic: New CNBC Anchor
Replies: 14
Views: 3375

What time slot?
by rwwoods
Mon Jun 13, 2011 2:00 pm
Forum: Investing - Theory, News & General
Topic: "Meaningful probability" of a China hard landing
Replies: 14
Views: 2049

"Meaningful probability" of a China hard landing

http://www.reuters.com/article/2011/06/13/us-roubini-idUSTRE75C1OF20110613 China faces a "meaningful probability" of a hard economic landing and the euro zone is storing up problems for the future by not tackling the debt crisis head on, said Nouriel Roubini, the economist who predicted the global f...
by rwwoods
Mon Jun 13, 2011 7:29 am
Forum: Investing - Theory, News & General
Topic: DFA/Fama Rule for Extending Maturity
Replies: 11
Views: 1520

DFA/Fama Rule for Extending Maturity

In one of his books, Larry Swedroe supports the DFA rule for extending bond maturity beyond 2 yrs. The rule is to extend one yr if 20 basis points can be gained. I am assuming the rule was created by Fama or is based upon his work. I find it curious that the rule is based upon maturity and not durat...
by rwwoods
Sun Jun 12, 2011 2:49 pm
Forum: Investing - Theory, News & General
Topic: Quantifying Bond Duration and Pascal's Wager
Replies: 17
Views: 2464

RooseveltG said I believe Larry Swedroe recommends a 4-5 year duration portfolio . . . Larry states in his book that investors have not been adequately compensated for risk beyond a maturity of 5 yrs, He recommends 1-2 yr maturity, but also supports the DFA rule of extending maturity 1 yr if 20 basi...
by rwwoods
Sun Jun 12, 2011 2:39 pm
Forum: Investing - Theory, News & General
Topic: Do you have an annuity?
Replies: 31
Views: 3916

A SPIA is my Plan B if the value of my portfolio falls too far.
by rwwoods
Sun Jun 12, 2011 2:28 pm
Forum: Investing - Theory, News & General
Topic: Poll: Imagine this Worst Case Scenario. What to do?
Replies: 42
Views: 4149

I'm with citydweller00
by rwwoods
Wed Jun 01, 2011 12:02 pm
Forum: Personal Consumer Issues
Topic: Questions on wiring a house for cable TV and cable internet
Replies: 18
Views: 2297

Boglenaut wrote:Are there fire code issues if you are going in walls?
Yes. Low voltage wiring must conform with building codes.
http://www.cablesplususa.com/pdf/nec-ca ... -guide.pdf
by rwwoods
Wed Jun 01, 2011 11:52 am
Forum: Personal Consumer Issues
Topic: Exit Interview / Personnel File
Replies: 7
Views: 1464

+1
by rwwoods
Wed Jun 01, 2011 6:48 am
Forum: Personal Consumer Issues
Topic: Questions on wiring a house for cable TV and cable internet
Replies: 18
Views: 2297

I had my modem on one output of a 6-way splitter provided by the cable company. One day, the modem stopped working because the signal strength received at the cable office was below specification and the modem was unable to compensate for the increased loss. The cable guy added a 2-way splitter befo...
by rwwoods
Tue May 31, 2011 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Should you have more than one brokerage account?
Replies: 8
Views: 2313

Per Schwab, "Coverage is up to $500,000 per customer for all accounts at the same institution, including a maximum of $100,000 for cash."
by rwwoods
Tue May 31, 2011 3:05 pm
Forum: Investing - Theory, News & General
Topic: Equal weight within portfolio
Replies: 47
Views: 4131

Download Simba's spreadsheet and take a look at the various portfolios listed. Many apply some form of equal weighting. http://www.bogleheads.org/forum/viewtopic.php?t=2520 Also review this thread on Larry Swedroe's Minimized FatTails portfolio which you will find in the spreadsheet. http://www.bogl...
by rwwoods
Mon May 30, 2011 3:03 pm
Forum: Personal Investments
Topic: Money for everything BUT retirement
Replies: 3
Views: 1339

Q1: Emergency funds should be in a highly liquid investment. Some use CDs. some a short term bond fund, while others include it as part of their total bond allocation in bond funds. Individual bonds, except treasuries, do not qualify as liquid. Q2: Investments for a short horizon do need to be diffe...
by rwwoods
Mon May 30, 2011 6:39 am
Forum: Personal Investments
Topic: Roth 401K, 1040 form & net income
Replies: 14
Views: 2996

401k contributions are not reported on form 1040. Contributions are deducted from your W2 before taxes, thus lowering your taxable income.
by rwwoods
Sun May 29, 2011 3:46 pm
Forum: Investing - Theory, News & General
Topic: How Did You Determine the Amounts in Your Asset Allocation?
Replies: 24
Views: 2828

Taylor Laramore wrote: "Market weight" is on the Efficient Frontier meaning that no portfolio of the same stocks or bonds can have a higher expected return without more risk of loss. The paper you cited is wrong. At least it was wrong for the period 1972-2010. Using Simba's spreadsheet over that per...
by rwwoods
Sun May 29, 2011 12:36 pm
Forum: Investing - Theory, News & General
Topic: How Did You Determine the Amounts in Your Asset Allocation?
Replies: 24
Views: 2828

How Did You Determine the Amounts in Your Asset Allocation?

Once you selected the asset classes to include in your portfolio and determined your equity/bonds percentage, how did you determine the amount to allocation to each asset class?
by rwwoods
Fri May 27, 2011 8:05 pm
Forum: Personal Consumer Issues
Topic: Steamer shorting the circuit
Replies: 11
Views: 5953

Sounds like the outlet you were first using has a ground fault interrupter (GFI). That type of circuit protector can trip due to excessive leakage current inside the appliance. It doesnt necessarily mean that the appliance is faulty. It may be a temporary condition caused by water getting into the e...
by rwwoods
Fri May 27, 2011 1:07 pm
Forum: Personal Consumer Issues
Topic: Steamer shorting the circuit
Replies: 11
Views: 5953

The breaker could be tripping due to overload. Try using an outlet on a different breaker that does not have any high loads on it.
by rwwoods
Fri May 27, 2011 8:11 am
Forum: Personal Consumer Issues
Topic: Steamer shorting the circuit
Replies: 11
Views: 5953

Look for a single strand of wire bridging two terminals. Look closely. If necessary, disconnect all three wires, retwist each of them and reinstall.
by rwwoods
Thu May 26, 2011 6:56 am
Forum: Investing - Theory, News & General
Topic: Does adding commodities to your portfolio offset inflation?
Replies: 18
Views: 2328

Scandinavian, welcome to the forum and thank you for your contribution on your first post. I look forward to your future contributions.
by rwwoods
Wed May 25, 2011 9:42 am
Forum: Investing - Theory, News & General
Topic: Correlation Calculation
Replies: 3
Views: 785

Correlation Calculation

Is there a free website or free software that will calculate the correlation between most any two mutual funds/ETFs over the last 3 yrs? The site/tool should have automatic access to the necessary data without need for the user to input the data.
by rwwoods
Wed May 25, 2011 9:29 am
Forum: Investing - Theory, News & General
Topic: Mutual Fund Standard Deviation Calculation
Replies: 9
Views: 2404

Make it easy on yourself and use the Morningstar results.
by rwwoods
Tue May 24, 2011 3:07 pm
Forum: Personal Finance (Not Investing)
Topic: What would it take to take to put you financially in trouble
Replies: 27
Views: 3820

If I had to spend over $400K, I would purchase an SPIA in order to maintain a minimum living standard which I would find comfortable.
by rwwoods
Mon May 23, 2011 6:24 pm
Forum: Investing - Theory, News & General
Topic: Bonds Forcasting Market Correction?
Replies: 13
Views: 3041

Bonds Forcasting Market Correction?

On CNBC today, it was said that bonds are forecasting a market correction. I have not heard of that technical indicator. Can someone explain it? I know, we don't believe in such things, but I would like to understand what the elves are thinking.