Sometimes I wonder why everyone isn't getting better
returns than a simple Couch Potato portfolio.
More sophistication has to mean better
returns than a simple three or four mutual fund option, right?
If you want more of
a return than a simple savings account can offer, education savings accounts (ESA) offer tax - free earnings.
Not exact matches
Through the use of options we were able to generate
returns nearly 5 times greater
than those of a
simple GDXJ short position.
In other words, the choice which Life requires of our considered action is a great deal less complex
than at first seemed to be the case; for it is reduced to a
simple choice between the first and last stages of the successive alternatives which we have been able to define: the rejection of Being, which
returns us to dust, or the acceptance of Being, which leads us, by way of socialization, to faith in a Supreme Unity — opposite directions along a single road.
God's still here, will still
return, and I'm glad my faith is in Him rather
than in those idiots who don't know how to interpret
simple scriptures.
Hence if the Moment is to have decisive significance — and if not we speak Socratically whatever we may say, even if through not even understanding ourselves we imagine that we have advanced far beyond that
simple man of wisdom who divided judgment incorruptibly between the God and man and himself, a judge more just
than Minos, Aeacus and Rhadamanthus — if the Moment has decisive significance the breach is made, and man can not
return.
Later in the month, on a journey to help settle a controversy at Zeit, near Naumburg, and to ordain a bishop in Merseburg, all the burdens suddenly became more
than Luther could tolerate, and the
simple decision not to
return to Wittenberg took hold of him.
By implementing a
simple process to capture and keep that residue, rather
than let it go to waste, the company realized an astounding 318:1
return.
Time for some brutal honesty... this team, as it stands, is in no better position to compete next season
than they were 12 months ago, minus the fact that some fans have been easily snowed by the acquisition of Lacazette, the free transfer LB and the release of Sanogo... if you look at the facts carefully you will see a team that still has far more questions
than answers... to better show what I mean by this statement I will briefly discuss the current state of affairs on a position - by - position basis... in goal we have 4 potential candidates, but in reality we have only 1 option with any real future and somehow he's the only one we have actively tried to get rid of for years because he and his father were a little too involved on social media and he got caught smoking (funny how people still defend Wiltshire under the same and far worse circumstances)... you would think we would want to keep any goaltender that Juventus had interest in, as they seem to have a pretty good history when it comes to that position... as far as the defenders on our current roster there are only a few individuals whom have the skill and / or youth worthy of our time and / or investment, as such we should get rid of anyone who doesn't meet those
simple requirements, which means we should get rid of DeBouchy, Gibbs, Gabriel, Mertz and loan out Chambers to see if last seasons foray with Middlesborough was an anomaly or a prediction of things to come... some fans have lamented wildly about the
return of Mertz to the starting lineup due to his FA Cup performance but these sort of pie in the sky meanderings are indicative of what's wrong with this club and it's wishy - washy fan - base... in addition to these moves the club should aggressively pursue the acquisition of dominant and mobile CB to stabilize an all too fragile defensive group that has self - destructed on numerous occasions over the past 5 seasons... moving forward and building on our need to re-establish our once dominant presence throughout the middle of the park we need to target a CDM then do whatever it takes to get that player into the fold without any of the usual nickel and diming we have become famous for (this kind of ruthless haggling has cost us numerous special players and certainly can't help make the player in question feel good about the way their future potential employer feels about them)... in order for us to become dominant again we need to be strong up the middle again from Goalkeeper to CB to DM to ACM to striker, like we did in our most glorious years before and during Wenger's reign... with this in mind, if we want Ozil to be that dominant attacking midfielder we can't keep leaving him exposed to constant ridicule about his lack of defensive prowess and provide him with the proper players in the final third... he was never a good defensive player in Real or with the German National squad and they certainly didn't suffer as a result of his presence on the pitch... as for the rest of the midfield the blame falls squarely in the hands of Wenger and Gazidis, the fact that Ramsey, Ox, Sanchez and even Ozil were allowed to regularly start when none of the aforementioned had more
than a year left under contract is criminal for a club of this size and financial might... the fact that we could find money for Walcott and Xhaka, who weren't even guaranteed starters, means that our whole business model needs a complete overhaul... for me it's time to get rid of some serious deadweight, even if it means selling them below what you believe their market value is just to simply right this ship and change the stagnant culture that currently exists... this means saying goodbye to Wiltshire, Elneny, Carzola, Walcott and Ramsey... everyone, minus Elneny, have spent just as much time on the training table as on the field of play, which would be manageable if they weren't so inconsistent from a performance standpoint (excluding Carzola, who is like the recent version of Rosicky — too bad, both will be deeply missed)... in their places we need to bring in some proven performers with no history of injuries... up front, although I do like the possibilities that a player like Lacazette presents, the fact that we had to wait so many years to acquire some true quality at the striker position falls once again squarely at the feet of Wenger... this issue highlights the ultimate scam being perpetrated by this club since the arrival of Kroenke: pretend your a small market club when it comes to making purchases but milk your fans like a big market club when it comes to ticket prices and merchandising... I believe the reason why Wenger hasn't pursued someone of Henry's quality, minus a fairly inexpensive RVP, was that he knew that they would demand players of a similar ilk to be brought on board and that wasn't possible when the business model was that of a «selling» club... does it really make sense that we could only make a cheeky bid for Suarez, or that we couldn't get Higuain over the line when he was being offered up for half the price he eventually went to Juve for, or that we've only paid any interest to strikers who were clearly not going to press their current teams to let them go to Arsenal like Benzema or Cavani... just part of the facade that finally came crashing down when Sanchez finally called their bluff... the fact remains that no one wants to win more
than Sanchez, including Wenger, and although I don't agree with everything that he has done off the field, I would much rather have Alexis front and center
than a manager who has clearly bought into the Kroenke model in large part due to the fact that his enormous ego suggests that only he could accomplish great things without breaking the bank... unfortunately that isn't possible anymore as the game has changed quite dramatically in the last 15 years, which has left a largely complacent and complicit Wenger on the outside looking in... so don't blame those players who demanded more and were left wanting... don't blame those fans who have tried desperately to raise awareness for several years when cracks began to appear... place the blame at the feet of those who were well aware all along of the potential pitfalls of just such a plan but continued to follow it even when it was no longer a financial necessity, like it ever really was...
Although betting every road dog during the preseason is barely profitable (290 - 278 ATS, +0.96 units), this
simple addition causes our
return on investment (ROI) to more
than quadruple from 3.9 % to 17.1 %.
The counterpoint to that counterpoint is
simple: the
returning team is more
than twice as likely to fumble the ball as they are to score a touchdown.
Furthermore, rather
than a
simple return to the corporatist model of 1970s social democracy, John McDonnell has been impressively leading the way in innovative economic thinking, including on regional development banks, popularly controlled monetary policy, and most intriguingly his consideration of a universal basic income.
-RRB- would drop the supermajority requirement for school districts to pierce the cap, instead calling for a
simple majority — making overrides no more difficult
than passing a budget within the cap, and inviting a
return to the days when school taxes grew by more
than 7 percent per year.
A separate bill introduced by Assemblywoman Jaffee (A227) would drop the supermajority requirement for school districts to pierce the cap, instead calling for a
simple majority — making overrides no more difficult
than passing a budget within the cap, and inviting a
return to the days when school taxes grew by more
than 7 percent per year.
The Chartered Institute of Taxation (CIOT) has expressed disappointment at today's announcement that Disincorporation Relief will not be extended beyond its current March 2018 expiry date.1 The relief was created to address the problems faced by some small businesses that have chosen to be a limited company in the past and want to
return to a
simpler legal form, be it a sole trader or a partnership or a limited liability partnership.2 While there has been a very low take up of Disincorporation Relief since it was introduced in 2013 (fewer
than 50 claims had been made as of March 2016) the CIOT has suggested3 that the relief might be more popular if it was broader.4 John Cullinane, CIOT Tax Policy Director, said: «It's a shame the Government are letting this relief lapse.
But «the
simple fact that each mission was providing a great scientific
return didn't really impress very many people other
than lunar scientists.»
Unlike conventional microplate or gel - column blood - grouping tests, which are technically demanding and slow to
return results, the easy - to - interpret test classified samples into the common ABO and Rh blood groups in less
than 30 seconds after only two
simple steps.
Part 2 takes some fairly odd turns that
return Dumbledore (Michael Gambon) to the fold, challenging viewers by making the final showdown with Voldemort more complicated
than simple wand fu.
While Nintendo's latest revisiting to Samus» story, Metroid: Samus
Returns, has been touted as a fun remake of 1991's Metroid II:
Return of Samus, in actuality its much more
than a
simple redo for the Nintendo 3DS.
What can one really say about these films in bite - size form, other
than to continue to marvel at the
simple brilliance of the idea, and to wonder how the intervening years, and the knowledge of the camera's
returning presence, will affect the subjects this time.
The first picture was of
simple, nightmarish thrills that Book of Shadows prefers to comment on rather
than top — its scares are hooked on the hype surrounding the fictitious original, so that the mass hysteria The Blair Witch Project supposedly caused (I don't recall any «War of the Worlds» - type panic in the streets)
returns in the form of distrust between the tourists; Berlinger, one half a gifted documentary team (he co-directed the acclaimed Paradise Lost films with Bruce Sinofsky), should've opted to write a FILM COMMENT piece instead.
I purchased the Glowlight Plus, but
returned it due to fonts being thinner
than the
Simple Touch.
But there's more to the low Q1 2012 figures
than just a
simple return to normality.
Finally, it is a
simple fact that banks and financial institutions get higher
returns from credit card users
than borrowers who make unsecured personal loans.
Reverse it — Mutual Funds will deliver better
returns than ULIPs, for one
simple reason — the lower costs of mutual funds.
IRR is the rate of
return that makes the NPV of all of the considered cashflows 0 so its
simple to calculate the
returns with intra-period rebalancing just by calculating the IRR intra-period rather
than full period.
The argument for investing in emerging markets through a balanced fund is
simple: they combine higher
returns and lower volatility
than you can achieve through 100 % equity exposure.
The
simple fact is that if you're going to be counting on your savings to fund a long retirement, a portfolio without stocks will have a hard time generating the
returns needed to support anything other
than very low levels of withdrawals, especially given today's low interest rates.
Whether you want to invest $ 500 or more
than $ 20,000, an IRA Share Certificate is a
simple and secure way to earn greater
returns on your retirement savings.
The logic here is
simple: if the interest rate on your debt is higher
than the rate of
return you'd get on the investment, tackle the debt first.
Investment risk in the
simplest of terms can be defined as a permanent loss or a lower
than expected
return.
Today there are several
simple options for investments that actually offer better
returns than if you attempt to actively manage your portfolio.
e.g. on a universe of all liquid stocks with pretty generous liquidity filters (price > $ 1, mcap > $ 100 million, on the market for at least 1 year, inflation - adjusted daily dollar volume in the last 63 days > $ 100,000), before friction, and hold for 5 days (no other sell rule), tested on all start dates Sept 2, 1997 forward to Aug 18, 2015 and then averaged CAGR, leaving an average of 3360 stocks in the universe to then test: a. 17.6 % cagr bottom 5 % of stocks left by bad 4 day
return (requiring price > ma200 was slightly worse
than this at 17.4 %; but requiring price < ma5 was better at 18.1 %) b. 16.0 % cagr bottom 5 % of stocks left by bad 5 day
return c. 14.6 % cagr bottom 5 % by rsi (2) d. 14.7 % cagr for rsi (2) < 5 I have tested longer backtests on
simpler liquidity filters (since my tests can't use all of the above filters on very long tests) and this still holds true: bad
return in the last 4 or 5 days beats low rsi (2) for 1 week holds.
Over 30 years at the same rate it would grow to $ 32,433.98 ($ 10,433.98 greater
than using
simple interest, or 47 % greater
return with compound interest vs
simple interest).
A
simple, direct explanation of the low volatility effect is that many investors willingly accept lottery - like risk in pursuit of better -
than - average
returns.
The goal is to achieve an alternative risk -
return profile which is more attractive
than a
simple capitalization - weighted index such as the S&P 500.
I think the answer is pretty
simple take out the mortgage and as long as you find a
return on investment higher
than your mortgage percentage — tax break, then you are money ahead!
The goal is to achieve an alternative risk -
return profile, which is more attractive
than a
simple capitalization - weighted index such as the Russell 2000.
It's extremely
simple and the
returns over the long haul will be as good or better
than most actively managed accounts.
After more thinking
than healthy for something so
simple as this I decided to basically keep the current system, but to make it very explicit that a higher rating does not have to imply a bigger position size or a higher expected
return.
Consider one
simple example: Stocks that have lost the most of the previous year seem to generate much better
returns over the following five years
than stocks have done the best.
The overall financial strategy is quite
simple... Will the
return on your investment be greater or less
than the interest you are paying on the debt?
The
simplest metric, the average real
return over the past 100 years, produces the rosiest outlook of more
than 7 %.
While future markets will throw new and unexpected challenges at us, studies like this help to demonstrate how
simple systems can adapt to almost any market environment to deliver more consistent and robust
returns than «Buy and Hold», and with substantially less risk.
There's yet more evidence that it makes sense to invest in
simple, plain - vanilla index funds, whose low fees often lead to better net
returns than hedge funds and actively managed mutual funds with more impressive performance numbers.
In my series «5
Simple Ways to Beat the Market», I demonstrated that the Dividend Aristocrats (BATS: NOBL), the subset of the S&P 500 (NYSEARCA: SPY) that has paid increasing dividends for at least twenty - five years, has produced higher
returns than the market with lower volatility of
returns.
The online application process is far
simpler and faster
than the old method conducted by tax preparation companies and requires you to file your
return with them — which isn't much use if you need funds before your W - 2s are in!
Now, once again, his
simple and effective strategy is producing a better
return than some very smart and dedicated people.
More
than 30 years ago he created a
simple passive investing strategy that predated the exchange - traded fund market with a way you could put your portfolio on autopilot and earn
returns that matched the
returns of the broader stock and bond markets with minimal cost.