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Re: Schwab expands no commission ETFs-no early sell fee

With all due respect I do not understand why buy and hold index fund investors should care about Schwab or iShares ETF fees and spreads, sounds like a game for traders. I am comfortable with Vanguard mutual funds Admiral class, mostly index, makes investments much simpler. For one reason, because s...
by Angst
Tue Oct 28, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2893

Re: Yield Curve Investigations

I've read that federal-tax-free, AAA municipal bonds typically had yields that were in the range of 80% of Treasuries prior to 2007, so the tax-advantage was viewed as outweighing the higher possibility of default. Based on the data used in the chart here, the ratio of a 10-year AAA muni to a 10-ye...
by Angst
Tue Oct 28, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 26
Views: 2068

Re: Schwab expands no commission ETFs-no early sell fee

Commission free does not mean revenue free. The revenue Schwab gets from the ETF companies is called something else. Those fees come out of the fund and out of total return. Vanguard does not pay these fees, thus no "commission free" Vanguard ETFs at Schwab. Rick Ferri But there are commi...
by Angst
Tue Oct 28, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 2893

Re: Fed Quantitative Easing

"The end of QE" which seems to be accepted as the simple turning off the spigot that has been dripping millions into a bucket now brimming with trillions, is truly old news and surely already priced into the market. But to me, it's those trillions that constitute the elephant in the room.
by Angst
Tue Oct 28, 2014 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Fed Quantitative Easing
Replies: 15
Views: 1183

Re: Yield Curve Investigations

Thank you Kevin for your investigations, and I do hope you continue with them! We all benefit from this sort of information and added perspective. I also echo Chan_va's interest in longer maturities. Please don't let today's status quo notion that one ought to limit himself to short term or intermed...
by Angst
Mon Oct 27, 2014 10:13 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 26
Views: 2068

Re: Credit Union CD Ladder: What to do with interest payment

Thanks for your response. The CDs will be in increments of $10,000. I don't think I need the income to live on. I was thinking that for uniformity I would prefer keeping the CDs in equal amounts. The "uniformity" that would matter most to me would be that of "total return". I'd ...
by Angst
Mon Oct 27, 2014 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Union CD Ladder: What to do with interest payments?
Replies: 7
Views: 749

Re: HSA account with the lowest cost: HSA bank or Vanguard?

HSA Bank offers you the option of $2.50/mo fee or keep $5000 in the bank account earning next to nothing. At the most conservative option, $5000 invested in TBM would throw off about $125 per year in interest. ($250+ for a 60/40 fund expected 5%+ long-term return.) In order to save on $30, you have...
by Angst
Mon Oct 27, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 16
Views: 1803

Re: $50,000 in Private Loans for Nursing Degree

Have you tried volunteering? This is a good suggestion. You might also look for a non-profit clinic, maybe in an underserved area in which to volunteer where you might get to do more. Potential employers and schools will also respect this. Another thing to look into is possibly being a "patien...
by Angst
Sun Oct 26, 2014 11:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3073

Re: "Vanguard converting mutual fund accounts to brokerage?

I routinely have $0 in both my taxable and Roth MM accounts. Typically, only when dividends clear taxable funds & ETFs into the MM fund is there a balance, or when I transfer money in from my bank account. Everything in the Roth currently reinvests so the MM fund is usually at $0, except again w...
by Angst
Sun Oct 26, 2014 10:57 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10938

Re: Barrons article...Charles Schwab company

Cannot access the article without subscription. But as a long time Vanguard investor never saw reason to use Schwab. And with all due respect not too interested in article anyway, let my Barron's subscription lapse years ago as found not too interested in their investment suggestions. I had no trou...
by Angst
Sat Oct 25, 2014 10:15 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2135

Re: What kind of index funds did Vanguard have 1976-1992?

I was in the Naese Thomas (sp?) Small Cap fund a long time ago. It eventually became or was converted into the Vanguard small cap index fund. I don't know if I have my paper statements going back that far but I imagine I was in it back in the late 70's. Prior to that I was in the Gemini Capital Fund...
by Angst
Sat Oct 25, 2014 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: What kind of index funds did Vanguard have 1976-1992?
Replies: 9
Views: 1244

Re: Barrons article...Charles Schwab company

The CEO Bettinger comes across quite well. I've been interested in their fundamental index funds/ETF's for a while now and continue to watch them.
by Angst
Sat Oct 25, 2014 8:38 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2135

Re: Query re Vanguard letter urging brokerage account by Nov

He stated that they are still working on transitioning accounts for Flagship clients. I'm thinking if I was in charge, I would start small and simple and get bigger. Oh great, since we are in the middle I guess we get transitioned in ~2019 when our next TIPS ladder matures. :annoyed Yea but by 2019...
by Angst
Sat Oct 25, 2014 4:09 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10938

Re: new interesting piece by Asness on hedge funds

I think it's a comparison btw: 1) Taking $1,000, getting $1,000 worth exposure to two different forms of factors for a cost of $1000 x 1.4% = $14 vs. 2) Taking $2,000, getting $1,000 worth exposure to two different forms of factors for a cost of ($1000 x 0.7%) x2 = $14. The first choice requires com...
by Angst
Sat Oct 25, 2014 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 26
Views: 2182

Re: Need help - selling stocks and buying funds today

1. IRA Rollover - We are selling all of the individual stocks and buying VTIAX (Total International Admiral Shares) and VBTLX (Total Bond Admiral Shares). It is my understanding that the mutual fund shares are priced at the end of the day? With the volatility in the market, how do I time these trad...
by Angst
Fri Oct 24, 2014 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - selling stocks and buying funds today
Replies: 6
Views: 512

Re: Query re Vanguard letter urging brokerage account by Nov

Toons wrote:Thanks for the info!

+1 :happy
That should allay some fears.
by Angst
Thu Oct 23, 2014 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10938

Re: "Vanguard converting mutual fund accounts to brokerage?

Personally, I look forward to making the switch. I wish they'd let me do it now. I don't like having to wait for an ETF sale to clear to reinvest the proceeds in a mutual fund.
by Angst
Thu Oct 23, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10938

Re: Query re Vanguard letter urging brokerage account by Nov

I'd suggest just giving them a call. It might be easier and more quickly to the point than pursuing this thread.
by Angst
Thu Oct 23, 2014 9:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 104
Views: 10938

Re: IRS Announces new 401(k) contribution max for 2015 ($18,

It will likely be several years before IRA limits are raised to $6000. IRS rounds the IRA limit in increments of $500. 2014 the official number was $5610 ($5500 limit) so based on the new 2014 inflation estimate of 1.7%, 2015 # raises to $5705 (5500 limit). It would likely would take 2.5% inflation...
by Angst
Thu Oct 23, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7202

Re: Hedge CDs with long-term Treasurys?

Depending on how much you're planning on buying, I would think EE Savings Bonds would look more appealing for an individual U.S. investors at today's rates. The fact that the EE Savings Bonds are guaranteed to double in 20 years means if you hold onto them for that length of time your effective rat...
by Angst
Thu Oct 23, 2014 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge CDs with long-term Treasurys?
Replies: 8
Views: 771

Re: Importing yields from treasury.gov into Google spreadshe

That doesn't look like any XML I've seen in the references/examples I've learned from, and I can't find an xpath_query that works with it. Ideas? Thanks, Kevin hopefully there's someone here with xml experience who can help. i saw those differences too and just figured/hoped they were something eas...
by Angst
Thu Oct 23, 2014 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 1009

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

auction yield was 0.985%. actually relatively close to the 1% i was hoping for this morning. thanks grok, and it looks like the TD auction results show that with an adjusted price of 112.167585 and an adj accrued interest/$1,000 of $2.93636, each $1,000 will cost $1,124.61 (i trust #cruncher will l...
by Angst
Thu Oct 23, 2014 1:41 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6505

Re: Importing yields from treasury.gov into Google spreadshe

Thanks Angst! I'll play around with it and see if I can get it to work for me. How did you find this? Kevin Don't kick yourself, but it's right there on the yield curve page: http://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=yieldYear&year=2013 :h...
by Angst
Thu Oct 23, 2014 11:53 am
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 1009

Re: Importing yields from treasury.gov into Google spreadshe

I cannot find the xml files for years 2011 through 2014. Does anyone know where they are??? Kevin, I believe this will get you the data you want for 2011- present. It's not as nicely formatted though as in the xml you found. The dates throughout the year jump around, contrary to your file in which ...
by Angst
Wed Oct 22, 2014 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 14
Views: 1009

Re: buy Ibond this month or next?

I'd buy now. I don't imagine the fixed rate going up, but I can imagine it going down. Zero is the limit (no negative numbers), which of course is a plus for I Bonds vs. TIPS
by Angst
Fri Oct 17, 2014 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: buy Ibond this month or next?
Replies: 7
Views: 1179

Re: Your personal risk level: Got your flu shot yet?

I got mine yesterday. It's a requirement of employment, not that I wouldn't have wanted to get it anyway.
by Angst
Wed Oct 15, 2014 11:30 pm
 
Forum: Personal Consumer Issues
Topic: Your personal risk level: Got your flu shot yet?
Replies: 93
Views: 3005

Re: New case of Ebola in U.S.: Is it the latest market headw

I'm sure it's affected it in some way. There are those who believe the end is neigh. https://encrypted-tbn2.gstatic.com/images?q=tbn:ANd9GcSzFUFJkqYp9OUaEgRUjiG91v6asUTRz_CZyoA9OkT-LwVBfLiD Because each week the news has gotten worse... <snip> Two developed countries have ended up with healthcare w...
by Angst
Wed Oct 15, 2014 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: New case of Ebola in U.S.: Is it the latest market headwind?
Replies: 13
Views: 1303

Re: is anything 'cheap' out there?

1) ibonds are cheap at 0% real rate, short term tips rates are negative 2) 5 year penfed cds are cheap @2.12% yield vs. 5 year treasury @1.56% 3) commodities have gotten cheapish. silver is at a 4 year low. Agreed, and I might add: 4) "20 year" ee bonds are cheap at 3.53% nominal, 20-yr t...
by Angst
Wed Oct 15, 2014 3:05 pm
 
Forum: Investing - Theory, News & General
Topic: is anything 'cheap' out there?
Replies: 54
Views: 5580

Re: Headed for a 300+ point loss today?

denovo wrote:Oh, no the sky is falling. With today's losses; we are where the market was at the beginning of 2014.

Perhaps the equity market is, but I wish rates were where they were at the beginning of 2014. And they were supposed to only be able to go up! :oops:
by Angst
Wed Oct 15, 2014 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30542

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

mptf, I think I understand your perspective and it makes sense to me. My ladder will accommodate only about 20% of my expected annual needs. I too have some fear of both unexpected events as well as simply the locking in of money into low yield LT TIPS. It's important to find a balance between the v...
by Angst
Wed Oct 15, 2014 2:20 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6505

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

At the end of the day, what you're after is a guaranteed income flow. It's true that at the end of a 20-year TIPS ladder, the money is gone. However, I have no intention of putting all of my money in a TIPS and I will extend the "floor" with either excess earnings or buy a SPIA. ADr, I th...
by Angst
Tue Oct 14, 2014 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6505

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

However, I've decided that the life cycle approach has merit and slowly started building a floor for retirement since it's about 10 years away. If you buy an annuity to fund all or part of your retirement there is some "insurance" cost that you pay to the annuity company to cover the risk...
by Angst
Tue Oct 14, 2014 3:57 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6505

Re: 30 yr TIPs auction announced 16 oct: yield=1.10%?

grok87 wrote:secondary market yield now is 0.888%

at this point we'll be lucky to get 0.90% yield at auction.

I am still planning on buying at these levels...

things are kinda volatile right now. rates might be better by next week.
this morning, the 10 year T is down 8 points. :?
wait, now it's just 7.
by Angst
Tue Oct 14, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6505

Re: Why Hold Cash in Retirement Account

No good reason for me (not in retirement yet either), in addition to dividends from taxable I have my salary coming in. Nonetheless, even in retirement, I would never look at cash as a % of my holdings; I'd look at it as a fixed (and probably small) amount I felt was necessary. I consider MM and sho...
by Angst
Wed Oct 08, 2014 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Why Hold Cash in Retirement Account
Replies: 21
Views: 1660

Re: Vanguard Brokerage Account for TIPS purchase?

#Cruncher wrote:* I believe Vanguard has lowered the minimum purchase to $1,000.

Yes, this is correct.
by Angst
Wed Oct 08, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage Account for TIPS purchase?
Replies: 6
Views: 613

Re: Correlation Data for Total Bond, TIPS, & Total INTL Bond

Day9 wrote:SOMEONE TELL ME WHERE I CAN GET MY HANDS ON 30 YEAR NEW ZEALAND GILTS!

Yeah, that's something. Anyone understand what's going on here?
by Angst
Wed Oct 08, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: Correlation Data for Total Bond, TIPS, & Total INTL Bond ?
Replies: 13
Views: 987

Re: Nursing School: Student loans or retirement

I don't mean to be presumptuous, but my first reaction is that you should be sure you want to go into nursing! I know of many people, particularly over 40 yo who have done just what you're doing, later in their career and have found nursing to be too much to handle. Floor nursing can be brutal, both...
by Angst
Mon Oct 06, 2014 3:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Nursing School: Student loans or retirement
Replies: 28
Views: 2483

Re: TLH Partner for VXUS

Has anyone here actually gone through an audit with these kinds of transactions and not had any problems?
by Angst
Thu Oct 02, 2014 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: TLH Partner for VXUS
Replies: 17
Views: 826

Re: Will you invest in Bill Gross's new bond fund?

If ever I were going to invest in a fund specifically because Bill Gross was its manager, I suppose now would be the time. He's no longer shackled to a gargantuan fund monster and will probably feel like a kid in a candy store. Surely he has a lot to prove and personal incentive to make it a big suc...
by Angst
Tue Sep 30, 2014 6:06 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 51
Views: 2907

Re: Oatmeal suggestions

There are many articles on instant vs. old-fashioned, but here's one that got right to the point: http://myfulllifenutrition.com/2013/12/30/heart-health-3-dangers-of-instant-oats/ Thanks Fallible - This is a good link for anyone interested in the potential healthfulness of oatmeal products in parti...
by Angst
Tue Sep 30, 2014 5:41 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 129
Views: 6926

Re: Oatmeal suggestions

i think livesoft is on to something here. and, if you just swap out the oats for a whole banana, what you're gonna end up with is something like a banana split, for breakfast! mmm, sounds pretty good... and now, suddenly, i seem to have a craving for frosted flakes and fractured fairy tales. drizzle...
by Angst
Tue Sep 30, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 129
Views: 6926

Re: Oatmeal suggestions

Sounds interesting but since the uncut oats already take an hour to cook, I think I might starve to death waiting for something that takes twice as long! By the way, the instructions at Whole Foods for cooking uncut oats are wrong. You need 4 cups of water per cup of oats, not 3; otherwise they get...
by Angst
Tue Sep 30, 2014 11:28 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 129
Views: 6926

Re: Oatmeal suggestions

I use uncut whole groats from (where else?) Whole Foods. They are cheaper than the other types and taste/feel just as good, although the cooking is even longer than with steel-cut oats. Me too. I find Whole Foods generally quite pricey, but when it comes to bulk foods they're fairly Bogleheadish. T...
by Angst
Tue Sep 30, 2014 11:02 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 129
Views: 6926

Re: Oatmeal suggestions

It's healthy, right? Well, sure, but everything is relative. Are you speaking of "instant" oatmeal? Or maybe "quick oats"? Or maybe what's known as "old fashioned" oat flakes? "Steel cut" oats have also been mentioned. And no one has brought up "oat groa...
by Angst
Tue Sep 30, 2014 10:54 am
 
Forum: Personal Consumer Issues
Topic: Oatmeal suggestions
Replies: 129
Views: 6926

Re: Buy PCRIX today?

PCRIX is selling at near half of the original price of the opening shares of the fund. You can pretty much say the same thing about VWEHX - Vanguard High Yield Corporate Fund. The point is, without considering dividends, capital gains/losses and return of capital, price alone can be fairly useless,...
by Angst
Tue Sep 23, 2014 3:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2692

Re: Are SPIA's fairly priced? - A quick and dirty analysis

Thanks bobcat2, too! The whole question seemed too obvious not to have already been addressed. And I like the results. SPIA's seem to be a fair deal, if not necessarily a "good" deal for everyone. I for one would imagine seriously considering them in a couple more decades as I approach my ...
by Angst
Mon Sep 22, 2014 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3665

Re: Are SPIA's fairly priced? - A quick and dirty analysis

While we do not know our lifespan, the insurance company, because of the Law of Large Numbers, does know, to a high degree of accuracy, the lifespan of its pool of annuitants. They are willing to take our longevity risk because it isn't actually a risk to them at all. That profound asymmetry is why...
by Angst
Sat Sep 20, 2014 10:20 am
 
Forum: Investing - Theory, News & General
Topic: Are SPIA's fairly priced? - A quick and dirty analysis
Replies: 75
Views: 3665

Re: Buy PCRIX today?

heartwood wrote:What's PCRIX?

PIMCO Commodity Real Ret Strat Instl PCRIX
by Angst
Fri Sep 19, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2692

Re: Bridgeway Omni SCV (BOTSX) vs PXSV

Thanks jaab for your references, quotes and comments. I got through sidenote #1 yesterday and some of its pdf references. It's a bit more than I'm able to fully digest, but I gathered the gist of much of it and found it interesting. It certainly reinforces my inclination to take HML (and really fact...
by Angst
Thu Sep 18, 2014 6:30 pm
 
Forum: Investing - Theory, News & General
Topic: Bridgeway Omni SCV (BOTSX) vs PXSV
Replies: 33
Views: 2800
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