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Re: It's a good day to be heavy in REITs

IMO, using data to compare the performance of a few sectors over a few years of market extremes seems likely to lead to flawed conclusions.
by Allocationist
Wed Oct 15, 2014 2:29 am
 
Forum: Investing - Theory, News & General
Topic: It's a good day to be heavy in REITs
Replies: 42
Views: 3958

TeleBouncer Blocker

IMO, examples of problems caused by not answering unidentified callers is I have received important calls from "blocked" or "unavailable" numbers such as real-time fraud calls from credit card companies, physicians offices, etc. IMO, a problem caused by using a voice mail system ...
by Allocationist
Tue Aug 12, 2014 1:33 pm
 
Forum: Personal Consumer Issues
Topic: Telephone Calls! Help! [Stopping telemarketing calls]
Replies: 105
Views: 7553

Re: Despite the headline defaults, munis doing okay

I'm a little confused about this thread. I was under the impression that "Mr. Market" is aware of the issues, urban legends and other fears associated with municipal bonds. If that is correct why would we embrace active management of this niche asset class? As for California State politics...
by Allocationist
Thu Dec 12, 2013 7:42 pm
 
Forum: Investing - Theory, News & General
Topic: Despite the headline defaults, munis doing okay
Replies: 85
Views: 6710

Baffled by some locked threads

In the past I have occasionally been puzzled by the reasoning for locking some threads. As I value this forum and appreciate the work done by the administrators I have kept my thoughts to myself. Earlier today (August 13, 2013) a thread entitled "Ideas, thoughts on DNA Testing?" was locked...
by Allocationist
Tue Aug 13, 2013 6:21 pm
 
Forum: Forum Issues and Administration
Topic: Baffled by some locked threads
Replies: 3
Views: 813

Re: How to find a lawyer

The Martindale web site has been helpful to me as a starting point. I like the Peer Review and Client Review features.

http://www.martindale.com/Find-Lawyers-and-Law-Firms.aspx
by Allocationist
Mon Jul 22, 2013 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find a lawyer
Replies: 16
Views: 1529

Re: are Google voice numbers listed?

I've had a GV number for a year or two. I have not received one spam call.
by Allocationist
Tue Jul 16, 2013 7:55 pm
 
Forum: Personal Consumer Issues
Topic: are Google voice numbers listed?
Replies: 4
Views: 729

Re: iShares fixed maturity corporate bond ETF's - ER 0.10

Given the present bond environment discussed a length on this forum, this type of ETF has theoretical appeal to me. If the information on the iShares web site is correct IBCC (the 2018 product) had a distribution of 0.121309 dollars in early June 2013. By my calculations this works out to an annual ...
by Allocationist
Tue Jul 09, 2013 1:11 pm
 
Forum: Investing - Theory, News & General
Topic: iShares fixed maturity corporate bond ETF's - ER 0.10
Replies: 15
Views: 1012

Re: Mats for Car

I've installed WeatherTech mats in both a 2013 Toyota Camry with a mat retainer system and a 2008 Honda CRV.

They are not "plush" however they look nice to me, fit well and are very functional. FWIW, I believe they are manufactured in the United States.

Highly recommend.
by Allocationist
Thu Jun 06, 2013 7:28 pm
 
Forum: Personal Consumer Issues
Topic: Mats for Car
Replies: 11
Views: 1242

Re: Switching iPhone to Android...PITA?

This is a very informative thread. I have an iPhone 5. I am looking into shifting to an Android phone. My biggest problem is my extensive "contacts." I have tried to "export" my contacts into a format that could be used on an Android but am having difficulty. I would appreciate a...
by Allocationist
Wed Apr 24, 2013 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Switching iPhone to Android...PITA?
Replies: 53
Views: 2160

Re: Cheap Wall St Journal?

After subscribing for a couple of decades, I stopped my subscription for a couple of reasons. I got tired of playing the subscription lapse/negotiate for a reasonable price game every year. Also, after the change of ownership several years ago I noticed increasing seepage of political views from the...
by Allocationist
Wed Mar 20, 2013 5:18 pm
 
Forum: Personal Consumer Issues
Topic: Cheap Wall St Journal?
Replies: 64
Views: 8274

Jason Zweig: Mutual Fund Custodial Safety

In a copyrighted March 15, 2013 Wall Street Journal (firewalled), Intelligent Investor column entitled "What You Can Do to Steer Clear of a 'Custody' Battle" Jason Zweig addresses the potential problems with mutual funds and their "custody" or safekeeping. Here is a brief summary...
by Allocationist
Sun Mar 17, 2013 6:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jason Zweig: Mutual Fund Custodial Safety
Replies: 1
Views: 732

Re: What's going on with international?

According to Morningstar, VNQ (Vanguard's U.S. REIT ETF) and VNQI (Vanguard's Ex-U.S. REIT) have the following price to cash flow ratios:
16.7 v. 9.2
by Allocationist
Tue Mar 12, 2013 2:20 am
 
Forum: Investing - Theory, News & General
Topic: What's going on with international?
Replies: 46
Views: 4900

Re: Could bogleheads vote on Top 10 "asks" of Vanguard?

Establish a two-step verification layer of protection for account access from unrecognized computers or devices. A similar process is now available on Google mail and Dropbox.

Improve the functionality of the brokerage trading platform.
by Allocationist
Mon Mar 11, 2013 12:28 am
 
Forum: Investing - Theory, News & General
Topic: Could bogleheads vote on Top 10 "asks" of Vanguard?
Replies: 100
Views: 6631

Re: Vanguard International REITs Fund

Direct answer to your question: 5% of portfolio and 10% of equities. Related issue: According to M* the Vanguard Admiral U.S. REIT fund (VGSLX) and Vanguard International REIT ETF (VNQI) have the following valuation measures (numbers are rounded). The U.S. REIT fund is listed first: Price to Book......
by Allocationist
Fri Mar 08, 2013 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard International REITs Fund
Replies: 14
Views: 2130

Wellington Fund Bond Duration

A significant portion of our assets (mostly in IRA's and Roths) are invested in the Wellington Fund. Like many here, I'm aware of the +/- 30-year bond bull market and, IMO, feel it is wise to consider the likelihood of higher rates sooner or later. My inclination is to move in the direction of reduc...
by Allocationist
Sat Feb 16, 2013 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wellington Fund Bond Duration
Replies: 10
Views: 1750

Re: Closed End Funds

Closed-end funds (CEFs) appear to be fairly easy to understand when, in fact, they are very complex securities that are usually thinly traded, prone to investor over-reaction during market declines and provide the illusion of safe yield which serves as a magnet for "yield chasers" who ofte...
by Allocationist
Sun Jan 20, 2013 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Closed End Funds
Replies: 8
Views: 795

Re: Your experience-Vanguard Charitable Endowment Program?

My experience with the Vanguard Charitable Endowment (VCE) was, IMO, not satisfactory. I experienced hassles with getting grantees approved (even mainstream religious groups), a lack of follow-up/feedback to me for "stalled" grant requests and annoying requests for me to provide assurance ...
by Allocationist
Tue Dec 11, 2012 10:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Your experience-Vanguard Charitable Endowment Program?
Replies: 11
Views: 1121

Re: question about Fidelity rewards Amex card

FWIW, I have both the Fidelity AMEX and Fidelity VISA cash back cards. Even though I am often disappointed by the poor quality of customer service from various providers such as AT&T (cell phones, U-verse, etc.) I am very pleased by the service provided by FIA card services for these two cards. ...
by Allocationist
Wed Oct 17, 2012 8:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: question about Fidelity rewards Amex card
Replies: 13
Views: 1548

Re: Apple Computers & Laptops

Disclosure: I am a former exclusive PC user (many years with many different Windows-based desktops and laptops) who has completely shifted to Apple products including an iMac and MacBook Air. Observation: Based on my reading of this and other PC vs. Mac threads, most Mac users have a lot of prior ex...
by Allocationist
Fri Sep 28, 2012 11:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 3673

Re: Skylights?

Over ten years ago we installed three high-quality double-pane skylights and three solar tubes in a very dark house. The home is located in the mountains that average eight-feet of snow a year. We have had no leaks or other problems and are very pleased with the results. I recommend you not place sk...
by Allocationist
Tue May 29, 2012 8:10 pm
 
Forum: Personal Consumer Issues
Topic: Skylights?
Replies: 28
Views: 2425

Re: Greenspan "Stocks are Cheap"

After reading the "Greenspan..." subject I thought for sure the link would take me to "The Onion" news site, but unfortunately, it did not. IMO, Greenspan was one of the key players that lead the world to near financial Armageddon just a few years ago. How anyone could give him a...
by Allocationist
Tue May 01, 2012 6:32 pm
 
Forum: Investing - Theory, News & General
Topic: Greenspan "Stocks are Cheap"
Replies: 25
Views: 1798

Re: Do you read the Wall Street Journal?

Yes, although the new ownership seems be taking a more narrow slant on reporting that I don't like. Also, I've noticed each visit to their web site results in an attempt to load eleven tracking elements to my browser (Firefox with the Ghostery add-on). They apparently sell or distribute their subscr...
by Allocationist
Sat Mar 10, 2012 1:50 pm
 
Forum: Personal Consumer Issues
Topic: Do you read the Wall Street Journal?
Replies: 37
Views: 2405

Prius vs. Camry Hybrid

Don't want to hijack the current Prius thread so I'm starting a new one. The essence of the Prius thread seems to be very favorable for that vehicle. I have a couple of friends who own the Prius and they are happy with them although they have mentioned a lack of sound suppression (road/wind noise) a...
by Allocationist
Sun Mar 04, 2012 9:34 pm
 
Forum: Personal Consumer Issues
Topic: Prius vs. Camry Hybrid
Replies: 5
Views: 2372

Re: Need internet email account

My preferred web-based program is Yahoo Mail Plus. http://overview.mail.yahoo.com/enhancements/mailplus The $20 per year is well worth it for me. My favorite feature is the hundreds of "disposable" addresses you can create. Each disposable address seamlessly forwards your mail to your base...
by Allocationist
Wed Feb 29, 2012 4:10 pm
 
Forum: Personal Consumer Issues
Topic: Need internet email account
Replies: 49
Views: 2421

Re: Giving SS number to healthcare providers

I enrolled in Medicare a few years ago. I was surprised to learn my Medicare number was my social security number followed by a letter. I made a high quality copy of my Medicare card, removed the last four digits of my S.S. number and laminated the card. I put my original Medicare card in a safe pla...
by Allocationist
Sat Feb 11, 2012 10:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Giving SS number to healthcare providers
Replies: 55
Views: 3522

Re: Limitations to Online Statement Downloads from Vanguard

I download statements from Vanguard, Fidelity and Schwab. Vanguard is, by far, the least user-friendly and most cumbersome. My experience with I.T. departments is that their first response to a request to fix a problem is often: "It can't be done" even if it already is done by other compan...
by Allocationist
Tue Jan 24, 2012 3:32 pm
 
Forum: Investing - Theory, News & General
Topic: Limitations to Online Statement Downloads from Vanguard
Replies: 22
Views: 1471

Re: Seeking input: AWD or 2WD?

A 2012/2013 Lexus GS350

http://www.lexus.com/GS-2013

I cannot foresee a situation when the car would be driven on snow or ice.

Thank you for the input.
by Allocationist
Sun Dec 25, 2011 2:03 pm
 
Forum: Personal Consumer Issues
Topic: Seeking input: AWD or 2WD?
Replies: 41
Views: 2405

Seeking input: AWD or 2WD?

I am planning on buying a sedan in the near future and I would appreciate any suggestions to help me decide if I want/need all-wheel-drive or if two-wheel (rear) drive will be just fine. The AWD option costs an additional +/- $2,000. Background: I am a conservative driver that likes to minimize fast...
by Allocationist
Sat Dec 24, 2011 8:22 pm
 
Forum: Personal Consumer Issues
Topic: Seeking input: AWD or 2WD?
Replies: 41
Views: 2405

Re: Advice on how to sell a Timeshare?

Within the past 18 months I sold one timeshare (Maui) at a profit and couldn't sell another (Maui) timeshare for any price so we donated it to charity. Fortunately we purchased the timeshare we ended up donating at a very low price on the secondary market so we were able to write off the loss as a d...
by Allocationist
Tue Dec 06, 2011 1:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice on how to sell a Timeshare?
Replies: 15
Views: 776

Re: Would you take your SS, or wait

sscritic:

Thank you for your continued input. I really value your information and insights!
by Allocationist
Mon Nov 28, 2011 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you take your SS, or wait
Replies: 63
Views: 4900

A close family member used Quicken Willmaker and was happy with the program and result.

Of course an attorney specializing in estate planning would give you more confidence in the result but at much greater expense.
by Allocationist
Tue Sep 27, 2011 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Low cost will: how do I create and store one?
Replies: 8
Views: 1000

Allocationist wrote:Yankees/Mets


I would have expected to see "Yankees/Red Sox" there. Heh. :twisted:[/quote]

I'm busted... don't follow baseball and live on the left coast 8-)
by Allocationist
Sat Aug 06, 2011 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. loses AAA credit rating from S&P
Replies: 286
Views: 26162

Another POV

As an "active lurker" I enjoy this forum to build my investment knowledge base and to gain insight into the current sentiment of informed investors. My thanks to everyone to participates! I am finding this thread especially interesting because: 1. <For understandable reasons> The forum rul...
by Allocationist
Sat Aug 06, 2011 4:18 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. loses AAA credit rating from S&P
Replies: 286
Views: 26162

My daughter refinanced her home through FIB several months ago. I did a lot of the leg work for her so I am familiar with the experience. Overall, I highly recommend them. The process got off to a slow start when the loan officer did not appear to be taking action on the new application and was diff...
by Allocationist
Thu Jun 02, 2011 3:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Refinancing with First Internet Bank -- any experiences
Replies: 21
Views: 2769

As someone who has served as a trustee for several trusts I have a suggestion for your consideration. When I began to serve as a trustee my biggest surprise was the much higher tax rates (Federal and State) for trusts versus individuals. Of course minimizing taxes are just one factor in your situati...
by Allocationist
Wed Jan 12, 2011 4:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking money out of a trust?
Replies: 4
Views: 992

Another example of the enlightened American view while those foolish Chinese are buying up energy assets throughout the world.
by Allocationist
Tue Jan 11, 2011 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Fossil Fuels 100 years from now?
Replies: 19
Views: 1642

This is an update to my October 13th post asking for lender suggestions for a 30-year fixed rate mortgage refinance. Based on the input from this forum my daughter applied to First Internet Bank of Indiana (FIB). Initially the customer service was not as good as hoped- probably due to the large numb...
by Allocationist
Sat Dec 18, 2010 11:06 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions for home mortgage refi lender
Replies: 16
Views: 3149

I have been a paid Mozy subscriber for several months. I am very satisfied so far. Mozy is user friendly and works as promised. One feature I especially like is the setting you can use to have Mozy automatically back up to your external hard drive as well as the Mozy "cloud" storage. Occas...
by Allocationist
Fri Oct 22, 2010 7:33 pm
 
Forum: Personal Consumer Issues
Topic: Online backup services (Mozy)
Replies: 20
Views: 2121

Very useful information.

Thank you very much!
by Allocationist
Wed Oct 13, 2010 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions for home mortgage refi lender
Replies: 16
Views: 3149

Thank you for suggesting I search the threads for the answer to my question. Prior to posting my inquiry I looked through the first 20, or so, threads I could find on refinancing. They included topics such as convexity, should I refinance, should I get a 15-year or 30-year mortgage, should I pay off...
by Allocationist
Wed Oct 13, 2010 11:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions for home mortgage refi lender
Replies: 16
Views: 3149

Suggestions for home mortgage refi lender

A California family member is planning to refinance their $350,000 mortgage with good credit and loan to value ratio less than 80 percent. I would appreciate any suggestions from the group for a lender for this refi. Important criteria would be best rates with lowest fees and good customer service. ...
by Allocationist
Wed Oct 13, 2010 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Suggestions for home mortgage refi lender
Replies: 16
Views: 3149

The New York Times online. A year ago I would have said the Wall Street Journal online. I have subscribed to the WSJ for over twenty years but I do not plan to renew again for three reasons: IMO, there are less in-depth articles now than in the past- the WSJ seems to be moving in the direction of U....
by Allocationist
Sat Oct 02, 2010 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Best Daily Newspaper for National (US) News
Replies: 68
Views: 6713

natureexplorer:

I cannot answer your question about international transaction fees.
by Allocationist
Sat Sep 04, 2010 7:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantages of an American Express card
Replies: 27
Views: 7364

I have the Fidelity two percent cash back card. I believe the card is managed by FIA Card Services (possibly owned by Bank of America). I am very pleased with the card and their customer service. Will list some specifics to give a little texture to my POV. Got a $20 overcharge by an airline (luggage...
by Allocationist
Sat Sep 04, 2010 4:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advantages of an American Express card
Replies: 27
Views: 7364

In response to livesoft's question, the primary purpose of my considering sealing the concrete would be to reduce penetration of water into the concrete. My experience with concrete in cold climates is that water is absorbed into the concrete and then freeze which can cause damage to the concrete ov...
by Allocationist
Fri Aug 20, 2010 8:45 pm
 
Forum: Personal Consumer Issues
Topic: Concrete Driveway: Should I apply water seal?
Replies: 11
Views: 3979

Concrete Driveway: Should I apply water seal?

I have a three-year old concrete driveway in very good condition. We get occasional light freezing temperatures with no snow. I am leaning towards applying a clear water seal in hopes it will preserve the life of the concrete and appearance (lessen oil absorption from inadvertent drips, etc.). I wou...
by Allocationist
Fri Aug 20, 2010 2:59 pm
 
Forum: Personal Consumer Issues
Topic: Concrete Driveway: Should I apply water seal?
Replies: 11
Views: 3979

I live nearby and would be interested in connecting.

Bob
by Allocationist
Thu Aug 05, 2010 3:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SACRAMENTO, CA AREA BOGLEHEADS
Replies: 16
Views: 3087

TIP

Just looked at the prospectus for the iShares TIPS ETF. I would caution anyway thinking about buying this ETF to look at the conflicts of interest and disclaimers in the prospectus. Also the ETF usually trades at a premium which is presently 0.1618%. It sure seems a lot safer to buy directly from th...
by Allocationist
Sat Jun 26, 2010 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard TIPS ETF?
Replies: 15
Views: 4480

Why pay expenses?

Why buy a TIPS ETF and pay expenses every day when you can buy TIPS at auction with no commission and hold to maturity? Seems like a waste of money to me.
by Allocationist
Sat Jun 26, 2010 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard TIPS ETF?
Replies: 15
Views: 4480

Very positive experience with State Farm

I have had the same State Farm agent for over 20 years. I will cite two experiences that illustrate my positive experience. Many years ago our 20ish college-student daughter was involved in a severe crash in a Honda Civic with less than 100 miles on it. The other driver was at fault. The State Farm ...
by Allocationist
Thu May 13, 2010 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: I just canceled my State Farm Insurance after 10 years......
Replies: 44
Views: 11370
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