David

David

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Posts by David

Feynman and Other Lectures

15 years ago
in
Microsoft has put Richard Feynman‘s physics lectures online. Yale has partnered with iTunes U to put up 13 complete course lectures. The amount of high quality material online is becoming truly staggering.  With education costs continuing to grow much faster than incomes, I truly believe there is [...]

Market Capitalization as % of GDP

15 years ago
in
From Ron Griess of The Chart Store we get this wonderful graphic demonstrating just how abnormal historically the last 15 years have been.  Valuations are now the best they have been in over 15 years which means long term expected equity returns are also looking more favorable, but there is clearly [...]

What’s a Pension Worth

15 years ago
in
Defined benefit pensions are a dying breed.  While they are still common in federal and state government jobs, they are quickly disappearing in commercial companies.  So if a person wanted to create their own pension how much would that cost? Let’s take a quick look at the Federal Employees [...]

Healthcare’s Future

15 years ago
in
Healthcare reform has entered the limelight again this year and already people are trying to frame the problem as government versus marketplace solutions dividing along traditional liberal/conservative lines.  Unfortunately, this comes at the problem from the wrong direction. From the [...]

New PIMCO 1-3 Yr Treasury ETF

15 years ago
in
Pimco 1-3 Year U.S. Treasury Index Fund  (TUZ) will have an expense ratio of 0.09%.  This compares favorably to iShares Lehman 1-3 Year Treasury Bond ETF’s expense ratio of 0.15%. This is the first of seven ETFs that PIMCO has in the pipeline.  I am esspecially looking forward to the ETFs that [...]

Factors in FICO Score

15 years ago
in
Gail Cunningham of the National Foundation for Credit Counseling provides the following information on FICO scores. Paying your bills on time — 35 percent of your FICO score. Ratio of credit available to credit used (using under 30% is good) — 30 percent. Longevity of credit accounts (longer is [...]

Housing Recovery Not Near

15 years ago
in
Problem Moves to Prime Mortgages To date foreclosures have been concentraded on the lower end of the housing market.  And the lower end could reach a price bottom by next year.  The upper end however is only just now starting to work through its problems. In the chart on the right you can see that [...]

Credit Card Act of 2009

15 years ago
in
Herea are some provisions that take effect in February 2010 Must give 45 days notice before raising interest rates. Must apply payments to the highest interest rate balance first. Minors (i.e., under 21) must have a cosigner or prove they have sufficient income/assets.  Credit limit cannot be [...]

Pension Guarantees When Companies Go Bankrupt

15 years ago
in
When a company offers a defined benefit pension (i.e., one of those pensions whose benefits is based on years of service and ending salary), it has to pay an insurance premium each year to the Pension Benefit Guarantee Corporation (PBGC), a federal corporation formed under ERISA.  The PBGC steps in [...]

Schwab Cuts Index Fund Fees

15 years ago
in
It is nice to see Schwab has finally followed Fidelity in cutting the fees for its basic index funds. Schwab Equity Index Fund Expense ratio Schwab S&P 500 Index Fund (SWPPX) 0.09% Schwab Total Stock Market Index Fund®(SWTSX) 0.09% Schwab 1000 Index Fund® (SNXFX) 0.29% Schwab Small-Cap [...]
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