Bogleheads.org

pcsrini

The difference could be that you could "buy and hold" your ETF, waiting for the market to recover. It seems like the investors in these ETN's were not aware that the bank could redeem the note at any point, and the bank could recreate the ETN at a later date. Larry Swedroe is also quoted, ...

pcsrini

https://www.wsj.com/articles/bankrupt-in-just-two-weeksindividual-investors-get-burned-by-collapse-of-complex-securities This article is behind a paywall, and this is the summary. Key takeaways: With leveraged ETN's, the bank purchases derivatives with borrowed money to increase returns. If the ETN ...

pcsrini

Bay Area resident and private school dad here so speaking from personal experience. Challenger and Stafford are hugely popular among Asian immigrants but I would advice you to stay away from them. I toured them extensively (multiple branches, multiple times) a few years ago when we were considering...

pcsrini

A few points to consider. A number of new bay area residents do seek out good school districts - the economics for newer residents is that they will keep their equity in the house instead of using it for private school fees. Some choose to stay perhaps a little further and pay the private school tui...

pcsrini

+1 Thank you for all the work! Much appreciated!

pcsrini

I've lived in several gated communities and found all the unmanned systems are more of a nuisance than they are worth. We now live in a gated community with 24/7 manned gates for visitors. There is a guest list for each resident at the gate. The gate opens automatically for residents by sensing a s...

pcsrini

https://www.wsj.com/articles/woodbridge-bankruptcy-spotlights-ceos-luxury-spending-1525086115 "Investors such as Mr. Stephanopoulos could also come under scrutiny for possible clawback lawsuits. Mr. Stephanopoulos received $2.5 million in investor payments from Woodbridge in the 90-day period b...

pcsrini

From the comment section on the wsj page: "I pulled up the big ones; Vanguard 500 index fund(VFIAX), Fidelity 500 index(FUSEX), Schwab 500 index(SWPPX), and iShares is the example in the article. After tax post-liq: All dated 03/31/2018. Vanguard: 1yr 8.60% 3yr: 8.30% 5yr: 10.54% 10yr: 7.72% iS...

pcsrini

Jason Zweig in the WSJ: When Your Investing Robot Has a Mind of Its Own

https://blogs.wsj.com/moneybeat/2018/05 ... f-its-own/

pcsrini

Thanks. A google search for the article seems to allow reading it without registration.

pcsrini

"Welcome to the magic world of backtesting, where a retroactive application of a strategy to past markets always seems to yield fantastic results, in theory."

https://ftalphaville.ft.com/2018/05/17/ ... cky-start/

pcsrini

Bloomberg: Wealthfront Cuts Fees on Risk Parity Fund After User Backlash

https://www.bloomberg.com/news/articles ... r-backlash

pcsrini

"Since late February, however, Wealthfront has strayed from this radical idea. Instead of putting investors solely into a low-cost indexing strategy, Wealthfront has now decided to invest 20% of its investors’ funds into an internal “risk parity” fund, which in turn is invested mostly in comple...

pcsrini

We switched to Youtube TV a few months ago, and the service has been great. No Cables, Set top boxes etc. and simple to set up with no commitments. Networks included are on the page below:

https://tv.youtube.com/welcome/

pcsrini

Here is another article related to this subject. 401K's choices of funds are limited, and once chosen by an investor they tend to be sticky. Never quite understood why a 401K cannot be more like an IRA without limiting the choices of funds. The administrative costs for the 401K whether it offers 10 ...

pcsrini

Link, and there may be a paywall: https://www.wsj.com/articles/wall-street-to-vanguard-were-not-your-doormat-anymore-1517157915 "Fidelity makes it more expensive for some clients to invest in Vanguard funds, while others cut off access altogether" Gist of the article is that Vanguard does ...

pcsrini

+1 for Youtube TV.

You will need the chromecast V2 or HD device plugged into your TV, but there are no set top boxes, no wires etc. And the quality of streaming has been consistent, glitch free and smooth. It is $35/month.

pcsrini

Congrats, Chris!!

pcsrini

You can also block buyers who have previously had issues with non-payment from bidding on your listings:

http://pages.ebay.com/help/sell/buyer-requirements.html

pcsrini

I listened to this show on NPR recently. Apparently, even the online tools that are provided are not reliable for pricing purposes:

http://www.npr.org/sections/health-shot ... unreliable

pcsrini

The price on the Turbotax link with the Vanguard discount does NOT include State. State is an additional 36.99 for Premier.

The price for Premier on AMZN is 69.99 and this includes State and free Fed e-file.

pcsrini

http://finance.yahoo.com/news/vanguard-gain-wall-street-pain-145617972.html Is this really true: "So how does this story end? Right now, passive products, such as index funds and ETFs, have about 30 percent of the $16 trillion in total investor assets, compared with active products, which still...

pcsrini

Here is an IMF working paper on worldwide savings, and the effect if any of the 2008-2010 timeframe:

https://www.imf.org/external/pubs/ft/wp ... p14204.pdf

pcsrini

According to this article, people are saving too much and hence there is lower demand in the economy.

https://beta.finance.yahoo.com/news/peo ... 50809.html

pcsrini

I also don't post often, but read the site almost every day. I continue to be amazed after all these years with the very knowledgeable good folks on this site, and the help they provide to stay the course !! Super grateful for the insights ...

pcsrini

happy birthday, Mel

pcsrini

Not sure how accurate this information is ..

"Savings amounts often appear to be based more on seat-of-the-pants decisions than careful planning or analysis of stock market news and opportunities."

http://news.investors.com/042815-749866 ... verage.htm

pcsrini

The economist recently put out an article which concluded that for engineering and computer science degrees the attended university does not greatly influence earned income over a 20-year period. However, for non-engineering and computer science degrees, top schools had a better ROI. here is the ar...

pcsrini

Wow after 5 pages of discussion I still have not seen ANY data to support sending kids to "top schools" do better qualitatively via "life experiences" or any advantage of moving to higher paying positions in companies. We already know the data shows NO correlation to expense of ...

pcsrini

Wow, awesome thread, and a few observations: 1. For STEM careers, and with more and more high tech companies moving towards objective hiring practices, the school you attend may perhaps not matter as much. Google doesn't care where you went to college: http://money.cnn.com/2015/04/09/technology/goog...

pcsrini

Congratulations, Taylor!!

pcsrini

Economist article on false hope and the inadequate testing of trading strategies: "This implies that half the financial products (promising outperformance) that companies are selling to clients are false." - don't quite understand why this would be only half. http://www.economist.com/news/...

pcsrini

Key reasons cited: 401 K millionaires "stay the course" and "keep saving" regardless of market swings

http://finance.yahoo.com/video/ranks-40 ... 00810.html

pcsrini

Thanks to all the great advice over the years but this one was very timely from Rick:

http://www.bogleheads.org/forum/viewtopic.php?t=26284

pcsrini

Here is an interesting comparison of real estate, gold, fixed income and stock market returns in India over the past 2 decades.

http://www.bemoneyaware.com/blog/return ... tate-debt/

pcsrini

Economist on Investing in retirement: The $15 trillion question Many retired people don’t have proper pensions any more. The financial-services industry may end up cashing in http://www.economist.com/news/finance-and-economics/21606894-many-retired-people-dont-have-proper-pensions-any-more-financial...

pcsrini

I would think that these students applied to the competitive majors at UC Berkeley like EECS (ELectrical Engg and Computer Science) - the bar for the competitive majors is very high, and admission criteria is a combination of the SAT score, GPA and relative ranking at the school, with consideration ...

pcsrini

Taylor - wishing you a very happy 90th birthday, and many, many happy returns. You are a true inspiration to all of us.

pcsrini

Some students I know who went to a prominent, Bay Area private school, Harker (http://en.wikipedia.org/wiki/Harker_School) ended up at IV League schools, but many did not. Harker's tuition for high school is reported on Wikipedia as $38,900/yr. I would think their high levels of success could be th...

pcsrini

There are a few other good private schools besides Harker, Bellarmine, St. francis, Castellija for high school. We know folks who have started at Challenger/Stratford/Public and then transitioned in high school to one of these schools - some of the others are Notre Dame, Presentation etc. The school...

pcsrini

Wishing all the wonderful folks on this forum a very happy new year !! http://online.wsj.com/news/articles/SB10001424052702304361604579290852454740162 "So-called dumb-money strategies, which involve buying and holding a plain-vanilla portfolio of U.S. stocks, did much better than the more compl...

pcsrini

Good read on Wall Street's obsession with high speed automated trading, and how this is different from investing.

http://www.nytimes.com/2013/12/24/your- ... apart.html

pcsrini

I tend think that the cost/benefit analysis kind of misses the point. Silicon Valley is kind of a unique environment that a person may find exciting and inspiring, or it just may not be their cup of tea. A lot of the negatives pointed out in this thread just come with the territory in any large met...

pcsrini

Nytimes artice with a quote from Mr. Fama at the end:

http://www.nytimes.com/2013/12/08/your- ... -goal.html

pcsrini

Is it this one "Some Indexers Grouse About 'Smart Beta' Approaches" ? Googling with this text will lead to the article.

pcsrini

Congratulations !!!

pcsrini

Hi Taylor - thanks for being a huge inspiration to all of us who depend on your wisdom, and sorry to hear about your loss.

pcsrini

More Money Than God by Sebastian Mallaby http://www.amazon.com/More-Money-Than-G ... B003SNJZ3Y

pcsrini

CXOAdvisory summary on Quantitative Value:

http://www.cxoadvisory.com/22933/fundam ... ive-value/

pcsrini

Here is how to request a payment via paypal:

https://www.paypal.com/webapps/mpp/requesting-payments

and the fees:

https://www.paypal.com/webapps/mpp/paypal-fees

There is a link on the seller protection features that PP offers, which may be helpful.

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