Search found 852 matches

Return to advanced search

Re: POLL: Attitude Towards Risk

This was fun, and I get a kick out of ending up in the minority. My first inclination was to do the math, but my true nature quickly took over, not the laziness that I'm prone to settling into, but more the artist kind of thing, where you just let yourself go with the flow and try to feel what seems...
by Angst
Thu Nov 27, 2014 9:58 am
 
Forum: Investing - Theory, News & General
Topic: POLL: Attitude Towards Risk
Replies: 53
Views: 1898

Re: Vanguard Ultra-Short-Term Bond Fund coming in early 2015

If it is late in the afternoon, and your Vanguard account is showing $452.16 in your Prime Money Market Account, and you have $20,000 in your checking account, can you successfully place an order for a) $5,000 of VTSMX, b) five TIPS bonds at auction? Will the website even accept the order? Or do yo...
by Angst
Wed Nov 26, 2014 3:33 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ultra-Short-Term Bond Fund coming in early 2015.
Replies: 39
Views: 4100

Re: Been out of market since 2008 and can't get back in

You appear to me to be a good candidate for hiring a fee-based CFP to advise you for the long-term.
by Angst
Tue Nov 25, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Been out of market since 2008 and can't get back in
Replies: 50
Views: 4439

Re: Vanguard launches new offering ... [Vanguard merchandise

So you put in an order for VTI but you get V OO, well kinda... My order arrived today.... I ordered the Vanguard hat, but they sent the V version instead. Oh well. Also, I'm sort of angry at them for subsitutuing the V hat I ordered with the Vanguard one since apparently the V hat is now out of stoc...
by Angst
Sat Nov 22, 2014 6:35 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 115
Views: 11241

Re: How Not to Retire

I'm not wealthy person, my earnings are barely average, and neither do I think I lack compassion, but this essay somehow annoys me more than anything. I'm well aware of the hard luck people can run into, both with the recent economic problems and generally speaking as well; events can simply conspir...
by Angst
Mon Nov 17, 2014 7:32 am
 
Forum: Personal Finance (Not Investing)
Topic: How Not to Retire
Replies: 67
Views: 6920

Re: Bogleheads not found easily in Google

Try logging out of anything Google, delete all cookies, then do the search.
by Angst
Thu Nov 13, 2014 6:38 pm
 
Forum: Forum Issues and Administration
Topic: Bogleheads not found easily in Google
Replies: 30
Views: 2971

Re: International Stock Diversification — A New Look

Well, yes and no. If you want your portfolio to be cap weighted, yes. However, what this data is showing is that if you want to be revenue weighted, then no - you would weight US stocks more than VT does. .... <snip> ..... Theoretically... However in practice, I think there is likely only a small d...
by Angst
Wed Nov 12, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5540

Re: Good books about Warren Buffett?

This isn't exactly what you've asked for, but I think it might be a choice worth considering. Katherine Graham, who took over the Washington Post after the death of her husband in 1963, wrote an excellent memoir titled "Personal History" in which Warren Buffett figured prominently. Graham ...
by Angst
Tue Nov 11, 2014 5:45 pm
 
Forum: Investing - Theory, News & General
Topic: Good books about Warren Buffett?
Replies: 18
Views: 957

Re: International Stock Diversification — A New Look

Still, one unanswered question persists: What are the true numbers for an all-international portfolio? Are these the right percentages? Did the Economist or Blackrock include them? I've looked, Angst , but I've not been able to find those revenue numbers in published reports. Neither of the origina...
by Angst
Mon Nov 10, 2014 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5540

Re: International Stock Diversification — A New Look

I could be wrong, but I think the issue is that the cap weighting is not revenue weighting. Given that you have US stocks typically priced higher for the equivalent earnings compared to international, you could have Company A (US): Market cap 100, Revenue: $6 US, $4 International Company B (Intnl):...
by Angst
Mon Nov 10, 2014 6:45 pm
 
Forum: Investing - Theory, News & General
Topic: International Stock Diversification — A New Look
Replies: 51
Views: 5540

Re: iBonds at zero % fixed

This is not political but I believe a reason to buy or not buy ibonds at the current level.Here is my reality and my facts living in the Bay Area.I bought my house 5 years ago for 465K and you can buy it today for 675k.My health insurance has almost doubled from about 550 to 950.5 years ago you cou...
by Angst
Wed Nov 05, 2014 7:30 pm
 
Forum: Investing - Theory, News & General
Topic: iBonds at zero % fixed
Replies: 84
Views: 9035

Re: What do you set your thermostat to (in F)?

It's funny how much more popular 68 and 70 are than 69. I recently switched from 68 to 70 and for some reason never thought to try out the odd number in between. No kidding! Actually, add 72 to the list of favorites and 71 and 67 to the unpopulars and you see a fairly dramatic gap-tooth phenomena i...
by Angst
Wed Nov 05, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4473

Re: Automatic monthly investing

trueblueky wrote:If you're investing in a taxable account, you'll have either 12 or 52 lots per year to track, more if you reinvest the dividends. Your broker tracks this for you, but still...

This.
by Angst
Mon Nov 03, 2014 8:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Automatic monthly investing
Replies: 9
Views: 1062

Re: Electrical Panel Upgrade

I did commercial and industrial electrical work years ago, and some residential on the side. I agree with killjoy2012, both on the 200A panel and the Square D QO panel/breakers; good quality, and parts available everywhere. I'd also take this as an opportunity to consider if the current panel locati...
by Angst
Mon Nov 03, 2014 4:16 pm
 
Forum: Personal Consumer Issues
Topic: Electrical Panel Upgrade
Replies: 14
Views: 1092

Re: Vanguard Precious Metals and Mining Fund

I was in that fund and lost 3.5% in ten day from September 26 to October 6. I didn't read the prospectus carefully but soon found the fund is managed by a firm in the UK. The fund manager was recently fired not only from managing the fund but from the firm. The fund has constantly under performed t...
by Angst
Mon Nov 03, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3449

Re: November 1 2014 I Bond Inflation Component

Browser wrote:
ArthurO wrote:I am glad I purchased my 10K on October 28th, at least I get that 0.1% fixed lol....

Me too. I was going to wait but that 0.1 is pretty juicy isn't it?

But only half as juicy as 0.2!
In a low rate environment, I'm happy to hold my .2's and a .1
by Angst
Mon Nov 03, 2014 10:42 am
 
Forum: Investing - Help with Personal Investments
Topic: November 1 2014 I Bond Inflation Component
Replies: 28
Views: 3884

Re: Vanguard Precious Metals and Mining Fund

So he did not step down for performance issues, perhaps simply preparing for personal retirement? He got fired. He invested in way too many companies that went belly up. Graham French’s worrying messages for investors. The manager of the M&G Global Basics fund has a tough job convincing investo...
by Angst
Mon Nov 03, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Precious Metals and Mining Fund
Replies: 47
Views: 3449

Re: Vanguard TIPS Fund Maturity Graph

Even though its holdings differ more abruptly versus the 1+ index, TIPZ comes closer to the index on average than does SCHP. While it's odd, I don't think the SEC would necessarily object with the approach taken by TIPZ to hold only some of the outstanding TIPS. It's common practice among some inde...
by Angst
Mon Nov 03, 2014 12:04 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard TIPS Fund Maturity Graph
Replies: 36
Views: 7874

Re: Donating Your Body to Medical School, etc.

"Don't go to weep upon my grave, and think that there I be; they haven't left an atom there of my anatomie." Ah, wonderful! Thank you NaOH. Let's see if I can make Google Books give up the entirety of "Mary's Ghost"... http://books.google.com/books?id=FSk_AAAAYAAJ&pg=PA446&a...
by Angst
Sun Nov 02, 2014 11:52 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4484

Re: Donating Your Body to Medical School, etc.

I know that in Europe, at least, in previous centuries, there was a brisk trade for grave robbers in supplying bodies for medical education/research. It has been many decades since my late father related some of the family history, but I recall his relating that one of our Irish ancestors spent som...
by Angst
Sun Nov 02, 2014 10:58 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4484

Re: How does retirement company make money?

No time to read entire thread, but I see that no one's referenced the Wiki page on 401k's yet. I recommend reading it! Even more to the point, at that page there's a sub-link to the Wiki page on "How to campaign for a better 401(k) plan" . Good reading! http://www.bogleheads.org/wiki/401k ...
by Angst
Sun Nov 02, 2014 8:05 pm
 
Forum: Investing - Theory, News & General
Topic: How does retirement company make money?
Replies: 31
Views: 3263

Re: Donating Your Body to Medical School, etc.

Many years ago I was in a room where 1st year med students at a local med school were dissecting their cadavers. Everyone had given their cadaver a name, which at the time I thought was funny, but it's not really strange when you think about it and all the time students spend on this. I still have a...
by Angst
Sun Nov 02, 2014 7:22 pm
 
Forum: Personal Consumer Issues
Topic: Donating Your Body to Medical School, etc.
Replies: 44
Views: 4484

Re: What Movie Have You Recently Watched?

I finished watching Reilly Ace of Spies last night. I had watched it when PBS first broadcast it in the early eighties and loved it, and I think it holds up very well thirty years later. Thanks for reminding me of this - I too saw it back then and really enjoyed it. I think I'll track it down and w...
by Angst
Sun Nov 02, 2014 4:45 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 222
Views: 18602

Re: How to make withdrawals during retirement

Our current stock/bond ratio is about 70/30, and we will probably increase the bond proportion upon retiring to 60/40 or maybe 50/50, depending upon how much income we feel we need. I would not alter your stock/bond ratio to accommodate how much income you need. I would only base a change upon how ...
by Angst
Sun Nov 02, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make withdrawals during retirement
Replies: 28
Views: 2255

Re: Vanguard TIPS Fund Maturity Graph

Lest someone think that my 1+ Index is calculated incorrectly, the chart below compares it ( in blue ) and the SPDR IPE ETF ( in red ) as of 10/30/2014. They match up exactly for all maturity years. However, this can't be said for the iShares TIP ETF ( in green ). Even though it is supposed to be a...
by Angst
Sun Nov 02, 2014 2:29 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard TIPS Fund Maturity Graph
Replies: 36
Views: 7874

Re: ACA and sudden drastic change in income

I wouldn't have a clue. Have you tried asking at the ACA website? They have a contact page w/ a telephone number for small businesses to call: https://www.healthcare.gov/contact-us/ Maybe they can help.
by Angst
Sat Nov 01, 2014 5:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA and sudden drastic change in income
Replies: 20
Views: 2110

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 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3216

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 8:09 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 71
Views: 7077

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 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab expands no commission ETFs-no early sell fee
Replies: 42
Views: 3216

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 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Fed Quantitative Easing
Replies: 15
Views: 1221

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 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Yield Curve Investigations
Replies: 71
Views: 7077

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 8:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Credit Union CD Ladder: What to do with interest payments?
Replies: 7
Views: 789

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 2:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA account with the lowest cost: HSA bank or Vanguard?
Replies: 16
Views: 2014

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 10:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: $50,000 in Private Loans for Nursing Degree
Replies: 34
Views: 3143

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 9:57 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12309

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 9:15 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2244

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 9:07 pm
 
Forum: Investing - Theory, News & General
Topic: What kind of index funds did Vanguard have 1976-1992?
Replies: 9
Views: 1273

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 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's on Schwab [CEO prefers Indexing for 401ks]
Replies: 16
Views: 2244

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 3:09 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12309

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 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: new interesting piece by Asness on hedge funds
Replies: 26
Views: 2300

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 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need help - selling stocks and buying funds today
Replies: 6
Views: 525

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 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12309

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 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12309

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 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 105
Views: 12309

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 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: IRS Announces new 401(k) contribution max for 2015 ($18,000)
Replies: 50
Views: 7495

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 4:23 pm
 
Forum: Investing - Theory, News & General
Topic: Hedge CDs with long-term Treasurys?
Replies: 8
Views: 790

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 2:01 pm
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 18
Views: 1733

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 12:41 pm
 
Forum: Investing - Theory, News & General
Topic: 30 yr TIPs auction announced 16 oct: yield=1.10%?
Replies: 93
Views: 6684

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 10:53 am
 
Forum: Investing - Theory, News & General
Topic: Importing yields from treasury.gov into Google spreadsheet
Replies: 18
Views: 1733
Next

Return to advanced search