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 07/17   Save more moneyThrift 
 07/17   Homes disappointingReal Estate 
 07/10   Advisors worth their fees?Brokers 
 07/10   7-day mental quarantineThrift 
 06/25   Cost versus convenienceIndexing 
 06/25   CPP MemoRetirement 

Frugal News

Save more money
07/17/16   5:20 PM ESTThrift
"Bonds pay borrowers while lenders earn nothing. Stocks soar to all-time highs. How weird is today's financial world? It's weird, all right, but probably not as weird as you think."
More Thrift: 7-day mental quarantine
How much you'll earn

Homes disappointing
07/17/16   10:05 AM ESTReal Estate
"Buy land: They're not making it anymore. That often repeated adage sounds like good financial advice. But over the long run, it hasn't been. Despite solid price increases over the last few years, land and homes have actually been disappointing investments. It's worth considering why."
More Real Estate: Housing bubble
Where can you afford to live?

Advisors worth their fees?
07/10/16   4:29 PM ESTBrokers
"The advisor offers us tax advice. He coaches us on ways to keep our household costs down. We meet every quarter to re-evaluate our goals and see how we're doing. He also calms my nerves when markets go crazy."
More Brokers: John Oliver: retirement plans
G&M broker ranking

7-day mental quarantine
07/10/16   4:27 PM ESTThrift
"My wife and I are setting up a customs screening station in our driveway. No, we're not starting an international airport. And it's not for solicitors, strangers or gift-bearing guests. It's for us and our stuff."
More Thrift: How much you'll earn
The Cost Matters Hypothesis

Cost versus convenience
06/25/16   12:12 PM ESTIndexing
"if you also factor in the management expense ratios, the total cost of VXC in a retirement account is 0.71%, compared with just 0.19% for the US-listed ETFs"
More Indexing: The high price of low vol
Popular at a price

CPP Memo
06/25/16   12:09 PM ESTRetirement
"It has come to our attention that you are not saving sufficiently for your retirement. This does not surprise us. We haven't saved sufficiently for our retirement either. Some of us have made enough money in the housing market to be relatively comfortable, and a good number of us have workplace pensions. Low-income Baby Boomers will be protected by Old Age Security, Guaranteed Income Supplement and the Canada Pension Plan. But middle-income Baby Boomers without workplace pensions - people making $60,000 or $80,000 a year - are facing a big drop of their standard of living upon retirement."
More Retirement: Life of Riley Index
Fortunes you can't control

John Oliver: retirement plans
06/19/16   11:17 AM ESTBrokers
"Saving for retirement means navigating a potential minefield of high fees and bad advice." [video]
More Brokers: G&M broker ranking
Retail financial advice

Equally weighted
06/11/16   9:08 PM ESTStingy Investing
"The idea of heading to the beach has some of us indulging in a little last-minute dieting in an effort to shave off a few pounds before hitting the water. Weight also matters to investors when it comes to how they divvy up their portfolios." [$]
More Stingy Investing: Bonds bomb
The Top 200 Canadian Stocks for 2016

Housing bubble
06/11/16   9:05 PM ESTReal Estate
"Know a bad deal when you see one. Overextending yourself just to get a piece of the real estate action in Vancouver or Toronto is not just a bad deal, it could spell your financial doom."
More Real Estate: Where can you afford to live?
Canada's real estate problem

Debt buyers
06/11/16   9:01 PM ESTDebt
"Companies that purchase debt cheaply then collect it aggressively are shockingly easy to start. We can prove it" [video]
More Debt: We still have a buck in the till
Hate debt again

Bonds bomb
06/04/16   10:12 PM ESTStingy Investing
"In other words, it seems likely that bonds will barely break even or lose ground on an after-fee, after-tax, and after-inflation basis over the next little while"
More Stingy Investing: The Top 200 Canadian Stocks for 2016
The Top 500 U.S. Stocks for 2016

Indexing and small-caps
06/04/16   9:48 PM ESTMarkets
"the 15 most popular small-cap-heavy ETFs have traded 3.6 times more than the average dollar volume of the 100 largest members of the Russell 2000 small-cap index over the past three months"
More Markets: High multiples for sales
The dead model

Two-star managers
06/04/16   9:44 PM ESTBehaviour
"When I said I would love an interview series with 2-star fund managers, the most common response was 'just go watch the 5-star interviews from a few years ago.'"
More Behaviour: Why humans run the world
Cleaning up La Paz

Why Americans don't trust government
05/29/16   8:01 PM ESTGovernment
"Though the bridge took only 11 months to build in 1912, it will take close to five years to repair today at a huge cost in dollars and mass delays."
More Government: How politicians poisoned statistics
A debt of choice

The high price of low vol
05/08/16   7:28 PM ESTIndexing
"If you buy a 'low-volatility' fund, make sure you're comfortable paying a higher price. That's the warning that emerges from the surge in popularity of funds specializing in stocks that fluctuate less than the stock market as a whole."
More Indexing: Popular at a price
Minimum volatility investors beware

Popular at a price
05/01/16   1:18 PM ESTIndexing
"BlackRock hasn't just ignored the fee war. It has raised EEM's fee - a practically unheard move for an ETF. EEM used to charge 0.67 percent. Now it charges 0.69 percent - a rare case when a popular ETF charges more than (gasp) the average active mutual fund."
More Indexing: Minimum volatility investors beware
The curse of the Dow

Minimum volatility investors beware
04/24/16   8:08 PM ESTIndexing
"If the long-term benefits of Low Vol investing are actually associated with some sort of Value premium, then current Low Vol investors should beware. Valuation for Low Vol stocks is expensive. A once good idea has run its course. All of the research I have done or reviewed suggests that high current valuation leads to low future return. Valuations on Low Vol have risen substantially in just the last few years. Based on the PE ratio, USMV is 80% more expensive than it was when it launched. In a best case scenario, Low Vol seems destined for mediocre future returns. In a worst case, the correlations and volatilities underlying the ETF's holdings could change quickly, providing an unexpected return profile for investors whose expectations have been managed for downside protection."
More Indexing: The curse of the Dow
How indexing changes indexes

How politicians poisoned statistics
04/24/16   7:41 PM ESTGovernment
"Perhaps the lies aren't the real enemy here. Lies can be refuted; liars can be exposed. But bullshit? Bullshit is a stickier problem. Bullshit corrodes the very idea that the truth is out there, waiting to be discovered by a careful mind. It undermines the notion that the truth matters. As Harry Frankfurt himself wrote, the bullshitter 'does not reject the authority of the truth, as the liar does, and oppose himself to it. He pays no attention to it at all. By virtue of this, bullshit is a greater enemy of the truth than lies are.'"
More Government: A debt of choice
Trump's business disaster

The wrong kind of savings
04/24/16   7:38 PM ESTBonds
"Negative interest rates are surely a sign that something is wrong with an economy. Normally, people have to be rewarded if they are to be induced to postpone consumption. Penalising them for doing so seems perverse."
More Bonds: Bond returns imperilled
Bizarro world of negative interest

Chou Funds letter
04/10/16   9:27 PM ESTValue Investing
"It is hard for us to believe that RFP is trading as low as $4 per share."
More Value Investing: Alpha or assets
Is value coming back?

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