Welcome to Bobsite…

Statistics:  If you torture the numbers long enough you can get them to confess to anything. (Humor is a learning tool)

 Who is Bob?  volunteer to speak at events throughout the country, speaking

 on a number of investor topics. If interested in a speaking visit, email meIf your Chapter qualifies, expenses of up to $500 will be paid by BetterInvesting.
            –I live in beautiful Seattle and winter in warm Arizona–
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A personal word:  For a number of years I have recommended Vanguard as THE place to invest in index funds.  That has changed.  I decided to eat my own cooking and set up an account at Vanguard.  It took a total of over two hours-forty five minutes, five phone calls, and four agents to get it completed–and then invested in the wrong index fund.  The fifth call was to a supervisor who refused to correct the problem.  (That’s the short version of the problem.)  I asked to hear the recording and was told I needed to request and pay for Arbitration before that would be allowed.  I wrote two letters to the CEO and received no response, none.  I cannot recommend Vanguard.  UPDATE:  After 1.5 months I received an email saying the CEO was too busy to respond.  –Bob


The Annualize your Portfolio tool is updated to version 6.01.   The automatic downloading of index related data is working again–now using Google prices.   I’m a very firm believer if you don’t compare your return to a market average you have no way to know how well you’re doing as an investor.  Once set up, there is minimal maintenance.  The Simple version 3.10 is also set to download index prices automatically.

The Quick Analysis tool is working–but barely–now version 4.23.  Ten year data is no longer available from any free data site I can find.  The tool is using five years of data with the earlier five years simulated.  It’s the best I can do.   

The Annual Report for manufacturers has been updated.  The closing price data malfunctioned.  I’m now using a different source.  The tool is now version 9.22

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