There are plenty of small ISPs operating in Canada. Many have been acquired by Bell / Telus / Rogers in recent years, but there are still dozens of players offering fixed wireless or fibre connections -- mostly in rural areas.
Twyman's law states that "Any figure that looks interesting or different is usually wrong", following the principle that "the more unusual or interesting the data, the more likely they are to have been the result of an error of one kind or another". It is named after the media and market researcher Tony Twyman and has been described as one of the most important laws of data analysis.
I think the commenter did fully grasp the meaning. Segal's law doesn't give you any clearly-defined system for grappling with uncertainty, it merely points out the existence of uncertainty and one way that we turn a blind eye to it.
The best approach in some cases is to ignore uncertainty and move forward - carrying one watch, as it were.
Two other valid approaches are voting and medians. These are both accomplished with 3 watches.
The crux of Segal's law is that all measuring instruments are imperfect. We could bicker endlessly about the best way to use our tools, but at some point someone's just going to need to know what the damn time is.
Or, use Bayes theorem for an even stronger belief estimate of the 'true' local time relative to a prior-established 'universal' time. Perhaps I dropped one of my watches in the water last week or I notice the second hand on one of the watches is sticky. Bayes can account for that anecdotal information.
I don't understand a mathematical part of your message. Suppose you have 2 watches, does Bayes theorem allows to make a better judgement about time than calculating an average time between 2 devices?
Depends if your measurements are discrete or continuous. In a continuous domain with arbitrarily long precision, your voting system's failover triggers 100% of the time.
Syncretism is the practice of combining different beliefs and various schools of thought. Syncretism involves the merging or assimilation of several originally discrete traditions, especially in the theology and mythology of religion, thus asserting an underlying unity and allowing for an inclusive approach to other faiths.
While syncretism in art and culture is sometimes likened to eclecticism, in the realm of religion, it specifically denotes a more integrated merging of beliefs into a unified system, distinct from eclecticism, which implies a selective adoption of elements from different traditions without necessarily blending them into a new, cohesive belief system. Syncretism also manifests in politics, known as syncretic politics.
Naismith's rule helps with the planning of a walking or hiking expedition by calculating how long it will take to travel the intended route, including any extra time taken when walking uphill. This rule of thumb was devised by William W. Naismith, a Scottish mountaineer, in 1892. A modern version can be formulated as follows:
Allow one hour for every 3 miles (5 km) forward, plus an additional hour for every 2,000 feet (600 m) of ascent.
Thanks. I actually started writing this course to share with friends. Explaining the fundamentals of budget tracking and Boglehead investing got a bit tiresome, so I decided to write it down.
I find it only leads to more questions and more time commitment, but I do think it's been at least somewhat helpful as a reference guide.
This is a free course that I wrote to explain the foundational concepts of personal finance.
It covers building an emergency fund, tracking your spending / budgeting / net worth, paying down debt, investing, automating your finances, and more.
There are ~20 articles that explain the concepts, and several spreadsheets provided to give the reader a practical way to track and manage their finances on a recurring basis. I've been using those spreadsheets and tools myself for more than 10 years, and have improved them over time based on user feedback.
This is intended to be a step-by-step guide geared towards those who are just starting to learn about money management.
Portfolio Slicer is very comprehensive, but there are some drawbacks:
- Doesn't work on Macs
- User is required to maintain their own csv files containing daily pricing data for their stocks
- For the point above, yes this can be somewhat automated with scripts, but it is still a finicky process
The spreadsheet I posted works on any operating system and uses google finance formulas to automate the pulling in of pricing data for any stock at any date.
Yes, your mechanism is better (portable, automatic updates, etc.).
How hard would it be to add the Postfolio Slicer stuff to your spreadsheet?
Postfolio Slicer is not well maintained, I would be happy to send you some $$$ if you can integrate what is missing (allocation per sector, support of asset allocation ETF's, missing charts, etc).
I will work on building those extra charts / features.
BTW -- the allocation per sector chart is already available on the Dashboard tab. You can tag each stock with an investment category on the Setup drive, which then drives that chart.
"User is required to maintain their own csv files containing daily pricing data for their stocks".
FYI, this is not correct, the daily quotes are automatically retrieved from Yahoo Finance (or others) and the CSV is automatically generated. Doing this manually would be a pure nightmare!
Yes it does calculate your portfolio return using both methods.
The money-weighted return is simpler to calculate, leveraging the XIRR formula built into Google Sheets.
The time-weighted return is calculated using a script that cycles through each month in your trading history, calculating the starting balance / investment return / ending portfolio balance at each month. Those monthly rates of return are then chained together to calculate your aggregate time-weighted return.
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