Search found 2413 matches

by Angst
Wed Jul 02, 2008 8:21 pm
Forum: Investing - Theory, News & General
Topic: CCFs have been VERY useful during past year
Replies: 131
Views: 22512

First, for every buyer of course there must be a seller, but more demand than supply pushes prices up. Second, if we see an increase in # of contracts outstanding for commodities like oil then we can draw different conclusion than if the # of contracts stays the same. I don't know the answer but I ...
by Angst
Wed Jul 02, 2008 5:57 pm
Forum: Investing - Theory, News & General
Topic: CCFs have been VERY useful during past year
Replies: 131
Views: 22512

Angst Only bad question is one you don't ask. And yes this is a very good question. But while I don't know the data I would bet that there has been a huge increase in the amount of contracts outstanding. So that means for every buyer there was a seller. Not like with a stock where the number of sha...
by Angst
Wed Jul 02, 2008 9:17 am
Forum: Investing - Theory, News & General
Topic: CCFs have been VERY useful during past year
Replies: 131
Views: 22512

Angst Yes a bubble can exist IMO speculators generally cannot drive prices in spot markets without the ability to hoard. If they can hoard they can obviously then drive prices. But that is also expensive as they have the carrying costs and that includes storage and insurance and the cost of the cap...
by Angst
Wed Jul 02, 2008 8:31 am
Forum: Investing - Theory, News & General
Topic: CCFs have been VERY useful during past year
Replies: 131
Views: 22512

Good example--iron ore has risen dramatically so has coal and so has many the prices of many other commodities for which there is absolutely no trading market for speculators. So it cannot be speculators chasing returns that is driving up prices. Larry - Not directly relating to current commodities...
by Angst
Mon Jun 30, 2008 4:05 pm
Forum: Investing - Theory, News & General
Topic: Oil bubble
Replies: 228
Views: 33506

For all you speculation denialists I have one question. What would you call it if someone invested in a single sector of the stock market with a 20:1 leverage, e.g., borrowed $100 for every $5 to invest in energy stocks? Yes, you'd call it speculation. That's just what Morgan Stanley and Goldman Sa...
by Angst
Fri Jun 27, 2008 10:11 pm
Forum: Personal Consumer Issues
Topic: Help with a name for a seafood restaurant
Replies: 168
Views: 74759

Beyond the Sea
by Angst
Wed Jun 25, 2008 6:59 am
Forum: Personal Investments
Topic: Help: HSA with brokerage combo-low fees, easy access?
Replies: 14
Views: 5663

Thanks for the replies, ... I guess at saturna, they give you a credit/debit card if you want/need to pay medical bills out of the account? LH I don't know that they actually do. (Check the website.) I'm using my HSA explicity as a long term tax free savings vehicle. I'm confident I will have quali...
by Angst
Mon Jun 23, 2008 7:58 am
Forum: Investing - Theory, News & General
Topic: Larry's Alternatives Book available for pre-order
Replies: 36
Views: 8825

Thank you! I take it that's not a vote of confidence for the Managed Payout funds either.

Angie
by Angst
Mon Jun 23, 2008 7:37 am
Forum: Investing - Theory, News & General
Topic: Larry's Alternatives Book available for pre-order
Replies: 36
Views: 8825

Would Market Neutral funds fall in somewhere in this table of contents?
by Angst
Fri Jun 20, 2008 9:46 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout funds revise holdings...
Replies: 4
Views: 1533

Managed Payout funds revise holdings...

I just noticed that now all three funds show holdings in Emerging Markets, as of 5/31/08. What happened? The 5/31/08 holdings that were posted a week ago showed no Emerging Markets at all. Now it's 6.3%, 6.9% and 7.9% respectively for Dist Focus, Growth & Dist, and Growth. What's next, REIT's?!!
by Angst
Fri Jun 20, 2008 7:15 am
Forum: Investing - Theory, News & General
Topic: Fidelity aims to out-Vanguard Vanguard on index fund fees
Replies: 39
Views: 8190

Re: Wil Fidelity change???

My point is that many folks use any excuse to attack competitors of Vanguard. I believe competition is good and benefits all investors. The Vanguard vs. Fidelity arguments approach that of Yankee and Red Sox fans. I am an investor and not a fan. I invest where I get the best deal. I think Jack Bogl...
by Angst
Thu Jun 19, 2008 9:42 pm
Forum: Investing - Theory, News & General
Topic: Fidelity aims to out-Vanguard Vanguard on index fund fees
Replies: 39
Views: 8190

Re: Wil Fidelity change???

Ned Johnson is 78ish now. When he retires his daughter will take over. I believe she had to be removed from duties when in charge of investment research. I like the management of Vanguard better. No offense intended but this is the most pathetic argument for the typical "Everything Vanguard Good .....
by Angst
Wed Jun 18, 2008 7:36 am
Forum: Personal Finance (Not Investing)
Topic: Precautions for internet cafe in a foreign country
Replies: 36
Views: 11759

Re: keyloggers, what if you don't type your password but you use cut & paste; e.g. you have a memory stick with a file containing your password and you copy from that and paste into the webpage? You can easily incorporate that password into a text file along with other meaningless info to keep anyon...
by Angst
Tue Jun 17, 2008 9:36 pm
Forum: Personal Investments
Topic: Help: HSA with brokerage combo-low fees, easy access?
Replies: 14
Views: 5663

Re: Help: HSA with brokerage combo-low fees, easy access?

HSA accounts have stymied me in a sense. I have trouble finding any articles that say what the good ones are. Basically, I want an HSA that has a brokerage option. I want to invest the money in Vanguard ETFs. I want low fees, with a good web interface. Basically, with such a setup, it seems there i...
by Angst
Sun Jun 15, 2008 8:37 am
Forum: Personal Investments
Topic: Managed Payout Funds
Replies: 25
Views: 5758

tomser wrote:anyone tell me what are the holdings of these three pay out funds
This is the thread you need:

http://www.bogleheads.org/forum/viewtop ... 1213479385
by Angst
Sat Jun 14, 2008 4:36 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout -- Here's What's Inside!! (5/31/08)
Replies: 23
Views: 5958

Right, well I don't ask anyone else to go through the burdensome paperwork for me to hold 1% in a fund in an IRA. For me, 1% of portfolio is just about my annual salary, after taxes. So while less than $250K, it's enough to keep me interested. If I didn't bother with 1%, I'd never make IRA contribu...
by Angst
Sat Jun 14, 2008 8:26 am
Forum: Investing - Theory, News & General
Topic: Managed Payout -- Here's What's Inside!! (5/31/08)
Replies: 23
Views: 5958

Interesting. You conservative one-fund-solution investors are going to be holding twice the commodities and 10 times the Market Neutral Fund allocations that I am. This implies that you have about 2% in commodities and 1% in market neutral. I try not to have to manage % contributions of much less t...
by Angst
Mon Jun 02, 2008 7:37 pm
Forum: Forum Issues and Administration
Topic: Wide-screen version of homepage
Replies: 63
Views: 16549

On my computer I have the "Default text zoom level" in NoSquint set to 140 or 150. It works for both the homepage & forum. Try it & see how it works for you. ......Al Yes, that's about what I have too, but unfortunately for me, at the homepage that translates into a very large font. It's just fine ...
by Angst
Mon Jun 02, 2008 12:34 pm
Forum: Forum Issues and Administration
Topic: Wide-screen version of homepage
Replies: 63
Views: 16549

BTW, we don't specify the link colors or typeface (font) on the homepage, so you get whatever you have set as your browser's default. You can change your browser defaults to give you exactly the look you want. This is a conscious choice we made to minimize browser incompatibility problems, maximize...
by Angst
Sun Jun 01, 2008 9:15 pm
Forum: Forum Issues and Administration
Topic: Wide-screen version of homepage
Replies: 63
Views: 16549

I love the wide-screen version - it's great! My only preference would be to downsize the fonts on the homepage so they approximately match the fonts in the forum. As it is now (and as it's been a long time), the forum's font is much smaller than the homepage's and this format inconsistency unnecessa...
by Angst
Sun Jun 01, 2008 7:45 am
Forum: Forum Issues and Administration
Topic: Morningstar Gone?
Replies: 98
Views: 36773

Definitely an improvement overall. But I agree with one of the above posts re: the time stamping for the last reply. I really miss this small piece of info - didn't realize how useful it was until it disappeared. Also, re: background color, fonts, point sizes and any other formating issues - wouldn'...
by Angst
Sat May 31, 2008 10:28 pm
Forum: Forum Issues and Administration
Topic: Diehard font almost equals Bogleheads font!!!
Replies: 2
Views: 2209

I was going to complain about the font (Times Roman) until I realized that the site doesn't specify a font (doesn't appear to anyway), and it actually appears to use your default font. In IE you set this in your internet options, not sure about Firefox. So you might try playing around with your def...
by Angst
Sat May 31, 2008 5:22 pm
Forum: Forum Issues and Administration
Topic: Diehard font almost equals Bogleheads font!!!
Replies: 2
Views: 2209

Diehard font almost equals Bogleheads font!!!

It's always been an annoyance to me (actually a reading problem which I've worked around) how different the font sizes were. They are much closer now and that helps me out a lot. If they were just one or two more points smaller at the new default window (or 1 or 2 points larger in the actual forum -...
by Angst
Tue May 27, 2008 9:50 pm
Forum: Forum Issues and Administration
Topic: valuethinker - sole member of 5000 post club - wow
Replies: 41
Views: 9698

Two of my favorite intellectual indulgences are reading the Sunday Times OpEd page and reading every Valuethinker post I can find at Bogleheads. Here's to many more of them to come!
by Angst
Sun May 18, 2008 7:23 am
Forum: Investing - Theory, News & General
Topic: VG Managed Payout Funds Holdings REVEALED!!!!
Replies: 22
Views: 5881

What are you looking at? I'm sure you found it by now! But for anyone still looking, go to the Holdings section and look just below it to where its says " Fund Characteristics as of -" and then off to the right is the benchmark: MP Growth & Distribution Comp Idx* and following the asterisk to the p...
by Angst
Fri May 16, 2008 7:36 pm
Forum: Investing - Theory, News & General
Topic: VG Managed Payout Funds Holdings REVEALED!!!!
Replies: 22
Views: 5881

Actually, the 3% Payout - Most Agressive fund has slightly different targets, according the Holdings showing up at Vanguard right now. This is what I see: 65% FTSE All-World Index 5% Lehman U.S. Aggregate Bond Index 10% Citigroup 3-Month Treasury Bill Index 10% Dow Jones-AIG Commodities Index 10% Ta...
by Angst
Thu May 08, 2008 3:43 pm
Forum: Personal Finance (Not Investing)
Topic: Travel Insurance Recommendations?
Replies: 10
Views: 3697

I've used Travelex twice now, but just for health emergencies while out of the country 3 months. Can't say much else. Website is easy to use and the support doc seemed to be well done. They are at:
https://www.travelex-insurance.com/Cons ... lcome.aspx

Enjoy your trip!
by Angst
Wed Apr 30, 2008 1:45 pm
Forum: Investing - Theory, News & General
Topic: HSA no brainer?
Replies: 37
Views: 9625

Re: HSA No Brainer

I want to respond to 2 earlier posts above, regarding switching the HSA admnistrator and the taxable income on withdrawals from the HSA bank, but for some reason, I'm not able to use the "quotes" feature. Here are my responses: What I have found is that some insurance companies have contracted with...
by Angst
Tue Apr 29, 2008 7:41 pm
Forum: Investing - Theory, News & General
Topic: HSA no brainer?
Replies: 37
Views: 9625

I have 4 main doubts about HSAs: 1) One more investment account to manage - complexity 2) No Vanguard HSA (I think). Alternative providers are presumably more expensive 3) Documentation complexity when withdrawing from HSA 4) If I am correct, HSAs came to be a few years ago, under Bush, correct? If...
by Angst
Mon Apr 28, 2008 8:02 pm
Forum: Investing - Theory, News & General
Topic: HSA no brainer?
Replies: 37
Views: 9625

:shock: thats one long answer... thanks so much Anybody else out here that basically uses their HSA as a pseudo IRA? That's how I use mine. If I have a $1000 bill, I would rather pay with $1000 from my taxable investments than with $1000 from my tax-free investments, as long as I have both and pay ...
by Angst
Fri Apr 25, 2008 7:51 am
Forum: Personal Investments
Topic: Vanguard has new look/features!
Replies: 31
Views: 9521

I access Vanguard with a Lenovo dual processor XP Home edition laptop an I'm pretty diligent about maintaining my virus & spyware software and keeping programs updated, etc. Generally I get great performance at all websites over DSL but I have consistently had dicey performance when Adobe Flash or R...
by Angst
Sat Mar 22, 2008 5:10 pm
Forum: Personal Finance (Not Investing)
Topic: Renting and driving a car in Guatemala (insurance question)
Replies: 21
Views: 6338

I'm down here in Guatemala right now - been here 2 months in Xela (Quetzaltenango) and have a month to go. I don't have much to add about cars, but the 2 people I've met who have driven down from the states and the one person who is on a motorcycle from the states all have one thing in common: they ...
by Angst
Mon Jan 07, 2008 9:40 am
Forum: Personal Investments
Topic: Berkshire Hathaway
Replies: 22
Views: 5794

I like the fact that it doesn't distribute dividends and capital gains, which makes it well-suited for the taxable side of one's long-term investment portfolio.
by Angst
Wed Jan 02, 2008 11:28 am
Forum: Personal Investments
Topic: What to do with an HSA?
Replies: 41
Views: 10775

If I were you I would fund the HSA before the Roth. With an HSA you get the deduction upfront and you have the potential for tax free withdrawals. Here is the order I fund my retirement accounts: HSA Roth SEP I do not use my HSA to pay medical bills. Ted, I agree with the above 100%. If you can aff...
by Angst
Thu Dec 27, 2007 9:56 am
Forum: Investing - Theory, News & General
Topic: An Ode to Yodlee
Replies: 5
Views: 3139

+ They have no tool anywhere close to Vanguard's fantastic Portfolio Manager for reviewing your portfolio's asset allocation and evaluating changes. Therefore, I go through the trouble of entering all my investment and bank accounts in both Vanguard and Yodlee, and use each site for different purpo...
by Angst
Wed Dec 26, 2007 11:06 pm
Forum: Personal Investments
Topic: Correlation calculator
Replies: 14
Views: 8169

Hi Tallyman,

Here's your M* link:
http://socialize.morningstar.com/NewSoc ... 24662.aspx

Angie
by Angst
Tue Dec 11, 2007 11:34 am
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 67565

Re: Updated figures and results on slice and dice vs TSM

By F-F's definition yes. One of the difficulties in this endeavor is of course that different people have different notions of what is and what is not value, what is and what is not small, etc. If you want a nice long time history, it seems the only choice is F-F, at least that is the best I can fi...
by Angst
Tue Dec 11, 2007 10:55 am
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 67565

Re: Updated figures and results on slice and dice vs TSM

Averaged over 80 years here are the weights relative to TSM are: SG SC SV LG LC LV 2.40% 2.87% 2.06% 51.72% 30.97% 9.99% You can of course use these to do LB and SB. Yes one can be more careful. I was purposely trying not to be careful. The point I am try to make is you don't have to be careful in ...
by Angst
Tue Dec 11, 2007 10:22 am
Forum: Investing - Theory, News & General
Topic: Updated figures and results on slice and dice vs TSM
Replies: 142
Views: 67565

Re: Updated figures and results on slice and dice vs TSM

One of the things I would like to be able to do is provide some guidance to a novice investor, someone who is not going to run off computing factor weights or want to get into what factor weights even mean. Note that to a naive investor each of the first three Slice and Dice portfolios achieves a s...
by Angst
Mon Dec 10, 2007 2:18 pm
Forum: Personal Investments
Topic: Reinvested Divs & Cap Gains
Replies: 4
Views: 1661

Yes, thanks for reminding me of this. Both the FTSE and the Emerging Markets funds effectively pay you .25% and .50% bonuses, respectively, for having dividends and cap gains reinvested. Great point.
by Angst
Thu Nov 22, 2007 1:00 pm
Forum: Forum Issues and Administration
Topic: start auto-refresh on diehards.org?
Replies: 3
Views: 2239

Please, no auto-refresh!! I thoroughly enjoy hitting F5 (or [Ctrl-R]) when I want to refresh the page and see what's moved up or down the list! Especially when the board is active and I'm reading a lot and so forth. To me, nothing's broke. :wink:
by Angst
Sun Nov 11, 2007 8:02 pm
Forum: Investing - Theory, News & General
Topic: How does a country peg their currency to the U.S. Dollar?
Replies: 37
Views: 7021

Managua 1980, China 2007?

In 1980 I was in Nicaragua where the government was pegging the Nicaraguan Cordoba at 10 to the US dollar, as I recall. I went out in the street and in the "black market" bought 21 Cordoba to the US dollar and financed my purchase of airline tickets which I bought in Cordoba that were = to 10 per US...
by Angst
Mon Oct 22, 2007 10:09 am
Forum: Personal Investments
Topic: If using all Vanguard funds to create a balanced porfolio...
Replies: 5
Views: 1986

I'm sorry, but I'm not able to be of much help there. The only two passive options I am aware of are Wisdom Tree DLS and DFA Intl Small Cap Value (DISVX), but the latter can only be accessed through an approved advisor. You might also consider this ETF: https://www.ssgafunds.com/etf/fund/etf_detail...
by Angst
Tue Oct 16, 2007 3:25 pm
Forum: Investing - Theory, News & General
Topic: Is adding International small-cap performance chasing?
Replies: 28
Views: 6674

I have alloted 8-9% (total port.) to small cap international all in tax-deffered accounts w/ 25-30 year time horizon. While I have DFE (small cap value but only European), I'm trying to figure out how to allocate the other 5-6%. DLS doesn't satisfy the small cap arena for me, as M* shows the majori...
by Angst
Sun Oct 07, 2007 6:39 am
Forum: Investing - Theory, News & General
Topic: How to decipher how much emerging markets one has?
Replies: 7
Views: 2177

Thanks, DaveTH. The Vanguard "Portfolio Watch" tool states that emerging markets are about 16% of the market outside of the US. I guess that would be around 8% of the world market then? The VG tool states 13% of my international holdings are in emerging markets, so it appears that I might be underw...
by Angst
Fri Oct 05, 2007 6:42 am
Forum: Personal Investments
Topic: HSA Advice
Replies: 25
Views: 7032

This is theoretically true, but in practice I have not found out how to do this when the HDHP makes a deposit to the HSA account (basically a rebate of the HDHP premium into an HSA account). In fact, in one or two cases I have read that the HDHP will only contribute to their selected HSA. I think t...
by Angst
Thu Oct 04, 2007 1:06 pm
Forum: Personal Investments
Topic: HSA Advice
Replies: 25
Views: 7032

The HSA, which is distinct from an employer's "HSA Qualified Health Care Plan" offering, can be invested with any HSA administrator you want, not necessarily the one your company or insurance company might be steering you towards. I have to suggestions to check out: 1) Vanguard "recommends" two HSA ...
by Angst
Tue Oct 02, 2007 1:13 pm
Forum: Investing - Theory, News & General
Topic: Looking for Excel Macro to download VG share info
Replies: 10
Views: 3455

Hi Tom,

I'm not experienced enough w/ Excel to help you, but I do use it enough to ask if the macro that you use for prices is something I could use too? I cut and paste prices and would love to have the ability to do it with one keystroke. Is this macro anything you can share? Thanks.

Angie.
by Angst
Thu Sep 27, 2007 8:32 pm
Forum: Investing - Theory, News & General
Topic: new VG fund
Replies: 46
Views: 19621

From the prospectus, this caught my eye. A first for Vanguard, no? "Commodity-Linked Investments. The Fund may allocate a portion of its assets to investments that create exposure to the total return of a diversified basket of exchange-traded futures contracts on physical commodities. Commodities in...