Search found 291 matches

by Ever Ready
Mon Jan 24, 2011 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Primerica?
Replies: 18
Views: 3005

I understand they are salesmen

but are they sleazy, lying-through-their-teeth type, or are they just trying to earn a commission by giving financial advice?
by Ever Ready
Mon Jan 24, 2011 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Anyone have experience with Primerica?
Replies: 18
Views: 3005

Anyone have experience with Primerica?

I got a call from one of their representatives recently and I am wondering what kind of reputation they have.

Thanks for your opinions.
by Ever Ready
Tue Jan 18, 2011 11:34 am
Forum: Personal Finance (Not Investing)
Topic: Penfed Security Breach
Replies: 1
Views: 646

Thank you for the link to the article.

There was a discussion of this topic, but the article provides additional information.
http://www.bogleheads.org/forum/viewtop ... 13&start=0
by Ever Ready
Thu Jan 13, 2011 9:43 am
Forum: Personal Finance (Not Investing)
Topic: PenFed Customer Database Compromised
Replies: 17
Views: 2797

Ever Ready wrote: It's troublesome that we have to learn about this from a third party. The incident occurred Dec. 12, so it appears they have no plan of telling us about it. oneleaf wrote: your accusation is unfounded in this case If you did not hear directly from them about it, then your info was ...
by Ever Ready
Wed Jan 12, 2011 5:35 pm
Forum: Personal Finance (Not Investing)
Topic: PenFed Customer Database Compromised
Replies: 17
Views: 2797

Great! Now we can take advantage of their "Perks". Identity Theft Protection.
https://www.penfed.org/promo/2009Offers/partners.asp

It's troublesome that we have to learn about this from a third party. The incident occurred Dec. 12, so it appears they have no plan of telling us about it.
by Ever Ready
Mon Jan 10, 2011 4:38 pm
Forum: Personal Consumer Issues
Topic: Buying Dog Meds Online?
Replies: 19
Views: 3428

http://www.1800petmeds.com/ Free shipping for orders over $39. They often have coupons for 10% off, too. Fast shipping, excellent service, but the list prices are only slightly better (if at all) than our vets. Any legitmate online site sells the same exact items as your vet, not imitations or fakes.
by Ever Ready
Fri Jan 07, 2011 6:10 pm
Forum: Investing - Theory, News & General
Topic: [BOSVX] Bridgeway OMNI Small-Cap Value
Replies: 6
Views: 2056

Annual Fund Operating Expenses Management Fees 0.50% Distribution and/or Service (12b-1) Fees None Other Expenses1 0.50% Total Annual Fund Operating Expenses 1.00% Fee Waiver and/or Expense Reimbursement2 (0.40%) Total Annual Fund Operating Expenses (After Fee Waiver/Expense Reimbursement) 0.60% No...
by Ever Ready
Fri Jan 07, 2011 12:48 pm
Forum: Investing - Theory, News & General
Topic: [BOSVX] Bridgeway OMNI Small-Cap Value
Replies: 6
Views: 2056

[BOSVX] Bridgeway OMNI Small-Cap Value

Bridgeway now offers a passively managed small value fund with up to 15% international stocks. http://www.bridgewayfund.com/MF/fundinformation/omnismallcapvalue/index.html The Fund takes advantage of the belief that equity investing should be for the long run and tries to capture systematic or asset...
by Ever Ready
Tue Dec 28, 2010 6:06 pm
Forum: Personal Finance (Not Investing)
Topic: Allianz long term insurance
Replies: 28
Views: 7653

Allianz bought one company I had a life insurance policy with, so now I have a policy with them.

They are a very big company. For example, they own PIMCO, so Bill Gross is an employee.
by Ever Ready
Mon Dec 27, 2010 6:17 pm
Forum: Investing - Theory, News & General
Topic: Shelter Your Bonds? Think again.
Replies: 34
Views: 6525

There's the rub:
The strategy also works for all types of equity funds except index funds, which don't need to be tax-sheltered: They have little turnover and therefore pay out very little in capital gains
by Ever Ready
Mon Dec 27, 2010 1:47 pm
Forum: Investing - Theory, News & General
Topic: A Christmas Present for You
Replies: 46
Views: 6851

As Paul Harvey would have said "The rest of the story"

A 1944 Christmas miracle for Gen. Patton
http://articles.latimes.com/2010/dec/26 ... n-20101226

Thanks to Taylor and all who answered their country's call.
by Ever Ready
Fri Dec 24, 2010 2:11 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Duration versus Holding Time
Replies: 7
Views: 925

From the Wiki: http://www.bogleheads.org/wiki/Bonds:_Advanced_Topics#Duration Duration has another useful summary property, which is that if the yield curve shifts in parallel[2], then duration is the point of indifference to interest rate changes. For example, if a bond/portfolio/fund with a durati...
by Ever Ready
Thu Dec 23, 2010 4:19 pm
Forum: Investing - Theory, News & General
Topic: You know gold is in a bubble when...
Replies: 54
Views: 7643

Five bucks for a cheese grater? That's a pretty good trade! :roll:
by Ever Ready
Fri Dec 17, 2010 11:47 am
Forum: Personal Consumer Issues
Topic: Laptop memory upgrade
Replies: 9
Views: 1294

Can I add a 2gb module and leave the buried 512mb module in the system? Yes. but check to see if your motherboard will accept 2gb modules. Also make sure the "notches" on the module connector are in the same locations as your existing module. The modules are "keyed" for different features, like reg...
by Ever Ready
Tue Dec 14, 2010 12:22 pm
Forum: Investing - Theory, News & General
Topic: What is the best source for the dividend yield of VG ETFs?
Replies: 9
Views: 1048

How reliable can be past distributions considering that funds have turnover and companies are cutting / increasing dividends? Exactly. Dividends will vary. Share price will vary. So any forecast will be inaccurate. The best you can do is use an average of the past several years to smooth the variat...
by Ever Ready
Tue Dec 14, 2010 11:28 am
Forum: Investing - Theory, News & General
Topic: What is the best source for the dividend yield of VG ETFs?
Replies: 9
Views: 1048

Morningstar lists the actual distributions on the front page (Quote tab).

Vanguard lists the same data on the Distributions tab.

You can calculate the yield by whatever method you choose.

What aspect of yield are you interested in?
Tax efficiency? Foreign Tax credit? Dividends for income?
by Ever Ready
Mon Dec 06, 2010 4:29 pm
Forum: Investing - Theory, News & General
Topic: TIPS ETFs from iShares and Direxion
Replies: 10
Views: 1377

Whatever happened to the Vanguard TIPS ETF?

Whatever happened to the Vanguard TIPS ETF?

It was announced quite a while ago, but hasn't materialized yet.
by Ever Ready
Tue Nov 16, 2010 2:34 pm
Forum: Personal Consumer Issues
Topic: Online Backup Deals for 5GB?
Replies: 11
Views: 1405

Someone mentioned "Adrive" http://www.adrive.com/
Has anyone used it?
by Ever Ready
Sun Nov 07, 2010 2:52 pm
Forum: Investing - Theory, News & General
Topic: high yield income source
Replies: 41
Views: 6073

hacktom,

Welcome to the Forum.

One of the features here is a "Wiki" with information on various investing topics.
Since you asked for reading material, here is a link to the Wiki page for high yield bonds:

http://www.bogleheads.org/wiki/High_Yield_Bonds

Best Wishes,
Ed
by Ever Ready
Wed Nov 03, 2010 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Life Insurance Term 80
Replies: 31
Views: 20895

Term Life Dividends?

but the dividends should help later on
Term Life does not pay dividends. Your agent must be talking about Whole Life ("Permanent Insurance") or Universal Life.
by Ever Ready
Mon Nov 01, 2010 6:15 pm
Forum: Personal Consumer Issues
Topic: Problem with printing
Replies: 5
Views: 852

For CutePDF, in the Properties dialog box, there is a tab called Layout
by Ever Ready
Mon Nov 01, 2010 6:01 pm
Forum: Personal Consumer Issues
Topic: Problem with printing
Replies: 5
Views: 852

Try Print, then Print (dialog window) then Properties.
This should taked you to your printers software, so the next step depends on the brannd and type of printer.
For my HP its Features, then Basic Options
by Ever Ready
Mon Nov 01, 2010 5:46 pm
Forum: Personal Consumer Issues
Topic: Problem with printing
Replies: 5
Views: 852

Print Preview, then Page setup. then Orientation
by Ever Ready
Sat Oct 30, 2010 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Clarifying What I Know About Small Cap and Value Tilting
Replies: 47
Views: 5500

Effective Diversification in a Three-Factor World

Effective Diversification in a Three-Factor World
by Larry Swedroe

is in the Bogleheads Reference Library / Wiki

http://www.bogleheads.org/forum/viewtopic.php?t=298
by Ever Ready
Thu Oct 28, 2010 5:05 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Amended Return for 2004
Replies: 29
Views: 3509

strafe/DSI

Thanks. I used Kiplingers/H&R Block Tax Cut. I will try the 2004 version.

Thanks,
Ed
by Ever Ready
Thu Oct 28, 2010 4:54 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Amended Return for 2004
Replies: 29
Views: 3509

All

I'd rather not go into the reasons for the filing on the forum.

I would appreciate an answer to my original question.

Thanks,
Ed
by Ever Ready
Thu Oct 28, 2010 4:18 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Amended Return for 2004
Replies: 29
Views: 3509

Parthenon

Not related to an audit. Still needs to be done.
Thanks,
Ed
by Ever Ready
Thu Oct 28, 2010 4:12 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Amended Return for 2004
Replies: 29
Views: 3509

retcaveman

I am not an expert, but I believe you can only go back 3 years.
Actually, you can only get a refund for the last 3 years, but this is to report additional income, so taxes, interest and penalty(?) will be owed.

Thanks,
Ed
by Ever Ready
Thu Oct 28, 2010 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Filing Amended Return for 2004
Replies: 29
Views: 3509

Filing Amended Return for 2004

A relative needs to file an amended return for 2004.
Should we use the tax software for 2004 or the most recent version?
We have the original return and software.

Thanks,
Ed
by Ever Ready
Wed Oct 27, 2010 10:45 am
Forum: Investing - Theory, News & General
Topic: Posting schedule for year-end distributions
Replies: 1
Views: 1019

Posting schedule for year-end distributions

https://personal.vanguard.com/us/insights/article/year-end-distribution-schedule-10262010 Year-end estimates for capital gains and dividend distributions will post to Vanguard.com on the dates listed below: 11/12/2010 List of Vanguard mutual funds that are expected to distribute taxable capital gai...
by Ever Ready
Sun Oct 24, 2010 8:43 am
Forum: Investing - Theory, News & General
Topic: How do small cap value stocks correlate to micro cap stocks?
Replies: 10
Views: 2186

Isn't dumping microcap because of recent lack of outperformance akin to performance chasing?

Another alternative is RZV Rydex Pure Value Small Cap.
It's microcap value with ER 0.35%, but not very diversified.

Regards,
Ed
by Ever Ready
Fri Oct 22, 2010 10:49 am
Forum: Personal Consumer Issues
Topic: Encrypting Your Data for online Financial Transactions
Replies: 73
Views: 7921

Les

Les,

Yes, I use the free version, KS Personal. It works on IE and Firefox.

Best Wishes,
Ed
by Ever Ready
Fri Oct 22, 2010 10:12 am
Forum: Investing - Theory, News & General
Topic: fyi-article from portfolioist.com
Replies: 7
Views: 1853

SSSS

Thanks for the education.

I guess it wasn't a typo after all.

Regards,
Ed
by Ever Ready
Fri Oct 22, 2010 8:56 am
Forum: Personal Consumer Issues
Topic: Encrypting Your Data for online Financial Transactions
Replies: 73
Views: 7921

Keylogger software for Les

Paladin wrote: Les wrote: Paladin wrote: Les wrote: Magellan, thanks for a thoughtful answer. I've done my share of tech stuff both professionally and at home. But all I really know about computer security is that the bottom line has to work for me. So I'm trusting that if I hold up my end then Vang...
by Ever Ready
Thu Oct 21, 2010 4:12 pm
Forum: Investing - Theory, News & General
Topic: fyi-article from portfolioist.com
Replies: 7
Views: 1853

I believe there is a typo in the linked article that should read "The concept of this book".

By the way, I thought "naked links" were verboten.

Regards,
Ed
by Ever Ready
Fri Oct 08, 2010 6:41 pm
Forum: Investing - Theory, News & General
Topic: tips LADDER
Replies: 9
Views: 2100

Vanguard Bond Desk will help

It seems the Vanguard Brokerage Services Bond Desk will help you construct a bond ladder How can I construct a bond ladder online? Once you've narrowed your bond listings, select individual bonds to include in your ladder. When you're finished, click Build Ladder at the bottom of the page. A Bond De...
by Ever Ready
Fri Oct 08, 2010 6:26 pm
Forum: Investing - Theory, News & General
Topic: tips LADDER
Replies: 9
Views: 2100

Methodology for TIPS ladder

I found some information about TIPS ladder construction from a poster named magellan. This was mixed in with a discussion about SWR, so I excerpted the relevant sections. magellan wrote With the exception of a handful of holes in TIPS maturities (2021-2024, 2030-2031, 2033-2039), you can pre-build y...
by Ever Ready
Thu Oct 07, 2010 4:57 pm
Forum: Investing - Theory, News & General
Topic: tips LADDER
Replies: 9
Views: 2100

Help from the Wiki

Here are a couple of links from the Wiki that you might find helpful.

http://www.bogleheads.org/wiki/Laddering_Bonds_or_CDs

http://www.bogleheads.org/wiki/Treasury ... Securities

You might also consider Vanguard's TIPS fund VIPSX.

Good Luck,
Ed
by Ever Ready
Sun Sep 26, 2010 12:36 pm
Forum: Personal Consumer Issues
Topic: When the Comcast and Verizon contracts run out???
Replies: 7
Views: 1895

You could try unbundling.

We had Comcast Triple Play, but when the contract ran out and price was raised, we switched to Vonage World for the phone service. Very good so far, but Comcast charges $5 a month for using the second port on the cable modem.
by Ever Ready
Tue Sep 21, 2010 5:11 pm
Forum: Personal Consumer Issues
Topic: What is your favorite news aggregator site?
Replies: 27
Views: 4730

What is your favorite news aggregator site?

I used to use bloglines, but it is shutting down Oct. 1. Any suggestions for a replacement?
Thanks,
Ed
by Ever Ready
Thu Aug 19, 2010 9:46 am
Forum: Investing - Theory, News & General
Topic: Western Economies Face Hyperinflation: Gold Bull
Replies: 25
Views: 3026

"Clearly, paper money has now lost its function as a store of value and medium of exchange. Gold [XAU=X 1234.0 6.45 (+0.53%) ] is just a stable medium of exchange that is reflecting the printing of money… when this trouble is over, we will have a reserve currency that will have gold as part of it,"...
by Ever Ready
Thu Aug 19, 2010 7:25 am
Forum: Personal Finance (Not Investing)
Topic: another question on computer security
Replies: 19
Views: 2188

Try KeyScrambler. Personal version is free. KeyScrambler encrypts your keystrokes deep in the kernel, as they enter the computer. It then decrypts the keystrokes in the destination application, so you see exactly the keys you've typed. Whatever keylogger might be waiting along the crucial path in th...
by Ever Ready
Wed Aug 11, 2010 4:48 pm
Forum: Investing - Theory, News & General
Topic: A Smart Phone ETF
Replies: 13
Views: 1826

Undiversified? don't laugh too hard. Half the fund in three stocks!!! Vanguard Telecommunication Services Index Fund Admiral Shares (VTCAX) Quarter-End Holdings as of 06/30/2010 Rank Holding Percentage 1 Verizon Communications Inc. 22.8% 2 AT&T Inc. 21.9% 3 American Tower Corp. Class A 5.2% 4 Sprint...
by Ever Ready
Tue Aug 03, 2010 8:36 am
Forum: Personal Consumer Issues
Topic: Toaster Oven a good idea? What type/brand?
Replies: 19
Views: 3044

Thanks for all the replies. Toaster ovens, should just drop the "toaster" part from the name. They are terrible and slooooow at making toast and the bigger they are the worse they seem to be at the toasting function. Agree. I already have a toaster. They should cll them "countertop ovens." Does anyo...
by Ever Ready
Mon Aug 02, 2010 2:38 pm
Forum: Personal Consumer Issues
Topic: Toaster Oven a good idea? What type/brand?
Replies: 19
Views: 3044

Toaster Oven a good idea? What type/brand?

I was thinking of getting a toaster oven so I could cook small items without using the large oven and heating up the home during the summer months.

Does it really work like that? If so which brands are best? What features are important?

Thanks,
Ed
by Ever Ready
Sat Jul 31, 2010 11:06 am
Forum: Investing - Theory, News & General
Topic: gummy-stuff, eh?
Replies: 29
Views: 9174

Reply to Praxis

Yes you must download the whole 145mb .rar file (took about 15 - 20 min. for me.) If you've already installed 7zip, just right click on the filename "CD_gummy.rar", after the download is finished. Scroll up to "7zip" in the context menu and select "extract to 'CD-Gummy/'". This will create a new fol...
by Ever Ready
Sat Jul 31, 2010 8:57 am
Forum: Investing - Theory, News & General
Topic: gummy-stuff, eh?
Replies: 29
Views: 9174

Thanks

Hello Gummy,

Thank you for sharing all of your excellent "stuff".
Enjoy the rest of your Ontario summer.

Best Wishes and Good Luck,
Ed

PS. For those who aren't familiar with .rar files,
here is a nice freeware file compress/decompress utility.

http://www.7-zip.org/
by Ever Ready
Wed May 26, 2010 4:39 pm
Forum: Investing - Theory, News & General
Topic: Help - What is the dividend yield?
Replies: 1
Views: 743

1.51% is the distribution yield, the percentage paid out during the last 12months.

4.9% is the average dividend yield of the stocks in the portfolio

At the bottom of the portfolio page there is a link called "Show Data Definitions" that explains M* terminology
by Ever Ready
Thu Apr 22, 2010 8:26 am
Forum: Investing - Theory, News & General
Topic: Embarrassing John Bogle quote about Michael Burry
Replies: 27
Views: 9061

Mr. Bogle unwittingly proved the point. He picked Burry as his target of criticism, because he felt Bury would fail due to his lack of training and capital. He accidently picked a successful manager by trying to pick a failure. Most investors will end up picking a failure by trying to predict success.
by Ever Ready
Sat Apr 03, 2010 12:26 pm
Forum: Investing - Theory, News & General
Topic: Value stocks: The risk story
Replies: 6
Views: 1590

Bear Stearns, Lehman Bros., GM, Etc.
Book value can evaporate, just like dividends or growing earnings.