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Re: Fidelity 2-Factor authentication fail...

I suspect that thieves who steal lots of electronic login information are not interested in calling Fidelity separately for each account and pretending to be that individual. If you're a Russian hacker, how many fake American voices can you mimic, and how soon would Fidelity catch on? Once you break...
by Archie Sinclair
Fri Nov 14, 2014 8:16 pm
 
Forum: Personal Consumer Issues
Topic: Fidelity 2-Factor authentication fail...
Replies: 13
Views: 1142

Re: Should I have even $1 in Bonds?

There could be changes in social security and/or taxation over the decades, for whatever reason. Having a little bit of money in safe investments, in addition to the social security and your modest pension, might be a good idea.
by Archie Sinclair
Fri Nov 14, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I have even $1 in Bonds?
Replies: 34
Views: 4251

Re: Very old Chinese bond; worth anything?

letsgobobby wrote:Chinese government was overthrown in 1949. Doubt the Communists would honor this regardless.

But the Republic of China was not overthrown, it retreated to Taiwan. It still calls itself the Republic of China and it has a GDP of $517 billion.
by Archie Sinclair
Wed Nov 12, 2014 10:55 pm
 
Forum: Personal Consumer Issues
Topic: Very old Chinese bond; worth anything?
Replies: 18
Views: 1875

Re: "Vanguard converting mutual fund accounts to brokerage?

Does anyone have any insight into why the below is the case? Is there some legal obstacle? You’ll no longer be able to receive Vanguard fund distributions by check, by automatic transfer to your bank account, or by automatic reinvestment into another Vanguard fund. If you currently use these service...
by Archie Sinclair
Sat Oct 11, 2014 1:30 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16377

Re: Bill Gross moving from PIMCO to Janus, Monday

nisiprius wrote:The holdings, as of July, were, for Schwab Target 20202:

Now, that is what I call long-term investing.
by Archie Sinclair
Fri Oct 03, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bill Gross moving from PIMCO to Janus, Monday
Replies: 119
Views: 11546

Re: VNQI name anomaly on Google Finance

"Vanguard International Equity Index Funds" is the name of the legal entity (a Delaware statutory trust) that contains the Vanguard Global ex-U.S. Real Estate Index Fund, Vanguard Total World Stock Index Fund, Vanguard Emerging Markets Stock Index Fund, and several other funds. http://www....
by Archie Sinclair
Wed Sep 24, 2014 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: VNQI name anomaly on Google Finance
Replies: 8
Views: 752

Re: expense ratio of VTMGX is lower than VPADX or VEUSX

Congress decides what taxes you pay, not Vanguard.
by Archie Sinclair
Sat Jul 05, 2014 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio of VTMGX is lower than VPADX or VEUSX
Replies: 3
Views: 488

Re: "Only a fraction of Americans directly own stocks"

In related news: "Only a fraction of Americans directly grow food"
by Archie Sinclair
Sat Jul 05, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3471

Re: Better than index funds: Buy a conglomerate’s stock

(How are TransAmerica and Gulf+Western doing these days? I don't think I see "A Gulf+Western Company" underneath the Grand Teton mountain for Paramount Pictures any more...) Transamerica is now a subsidiary of the Dutch insurance company Aegon. Gulf+Western sold off various random busines...
by Archie Sinclair
Sat Jun 28, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Better than index funds: Buy a conglomerate’s stock
Replies: 27
Views: 3922

Re: Credit union with good online bill pay?

I apologize, I inadvertently edited my post after you responded.
by Archie Sinclair
Sat Jun 14, 2014 10:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1880

Re: Credit union with good online bill pay?

Every bank I have ever used for online bill pay is better than my credit union. Why restrict yourself to credit unions if they can't do the job you want done? (I am not saying they can't, but you know of at least one credit union that can't.) Apparently, the OP has a preference for credit unions. S...
by Archie Sinclair
Sat Jun 14, 2014 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1880

Re: IMCA Capital Unsolicited Card Sent?

According to this, it's not a real card, but simply an invitation to do business with them, and no credit was checked. Sounds like run-of-the-mill deceptive advertising. http://imcacapital.wordpress.com Bob Is it a real credit card? The invitation you received is not a real credit card. The black s...
by Archie Sinclair
Fri Jun 13, 2014 11:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 3792

Re: IMCA Capital Unsolicited Card Sent?

Isn't it illegal to send unsolicited credit cards? And where is the Truth in Lending disclosure? And who goes around casually offering $100,000 credit limits?
by Archie Sinclair
Fri Jun 13, 2014 10:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 3792

Re: Any "Apps" you like?

Fletch wrote:Vanguard Investor

Vanguard Advisor

Mint

My credit card app

My bank app

My insurance company app

My pharmacy app

Not particularly a finance app, but 1Password is wonderful.

... Fletch

Irwin, what is Vanguard Advisor? What do you use it for?
by Archie Sinclair
Tue Jun 10, 2014 10:10 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 4297

Re: "Is Bogle Befuddling?"

Befuddling: making someone unable to think clearly
Befuddled: the state of being unable to think clearly

Example: I am befuddled by this article's befuddling word choice.
by Archie Sinclair
Mon Jun 09, 2014 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7469

Re: Best Credit Card Promos 2014

Chase Freedom is the best card for cashback on gas. It's a rotating categories card, however this year 5% gas cashback purchases made up the first (Jan-Mar) and soon to be, third quarters (Jul-Sept). At the end of each bonus quarter, I stock up on gas gift cards at my preferred gas station to carry...
by Archie Sinclair
Sat Jun 07, 2014 9:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014 *Updated*
Replies: 36
Views: 21069

Re: Does Vanguard spend "our" money on Lobbying activities?

Vanguard's ownership model is mutual -- it's owned by the fund shareholders. Not really. I own TSM, but I don't own Apple; TSM owns Apple. TSM is an intermediary in my relationship with Apple (not counting all my devices). Now substitute Vanguard for Apple and you will have my relationship with Van...
by Archie Sinclair
Mon Feb 24, 2014 8:12 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 4041

Re: What time does Vanguard update market values?

I believe that Vanguard mutual funds are updated at 7 PM ET.
by Archie Sinclair
Mon Dec 23, 2013 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What time does Vanguard update market values?
Replies: 60
Views: 3912

Re: Does Flagship Plus still exist?

bebopdeluxe wrote:I have liquidated all of my outside investments, and with changes to my 401K selections, I will be over $5m in Vanguard-related funds.

Does Vanguard provide your 401k? Vanguard funds that are not held at Vanguard do not count for this purpose.
by Archie Sinclair
Wed Dec 18, 2013 9:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Flagship Plus still exist?
Replies: 5
Views: 1203

Re: The 'Hold Bonds to Maturity' Problem

@Call_Me_Op and billyt The "sell off" risk in funds came up in an early thread. Looking back at any bond funds a Boglehead would actually hold (i.e. broad based index funds) there didn't seem to be any sign at all of "permanent NAV loss" during the 2008 crash. It seems to very m...
by Archie Sinclair
Mon Dec 02, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: The 'Hold Bonds to Maturity' Problem
Replies: 65
Views: 3423

Re: Is there a way for you and I to borrow at the Fed rate?

StarbuxInvestor wrote:
momar wrote:Are you as credit worthy as the US government?

Banks borrow from the Fed not the U.S. government.

The Federal Funds Rate is the rate at which banks lend to one another. http://en.wikipedia.org/wiki/Federal_funds_rate
by Archie Sinclair
Sun Dec 01, 2013 8:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is there a way for you and I to borrow at the Fed rate?
Replies: 11
Views: 1127

Re: Experts and Bogleheadism

3. Experts (the good ones) have strong intuition. They may not verbalize well why they recommend what they recommend, or they may verbalize it in other ways than referring to the intuition, but the gut feel is a real thing, and the expert guts are more accurate than the mere mortal guts. Expert gut...
by Archie Sinclair
Sun Dec 01, 2013 12:15 am
 
Forum: Investing - Theory, News & General
Topic: Experts and Bogleheadism
Replies: 33
Views: 1806

Re: Oldest credit card - upgrade?

It can vary by card issuer. You should ask Bank of America what date it will give the credit bureaus as the date that the card was opened. Some card issuers, like American Express, will report the date as ten years ago, while others will report it as today. The American Express practice is sometimes...
by Archie Sinclair
Sat Nov 30, 2013 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oldest credit card - upgrade?
Replies: 11
Views: 1084

Re: Rookie error…now what?

I don't know if there is some special provision for tax exempt interest but I would doubt it. If you sell tax exempt securities within six months of purchase, the allowable loss is reduced by the amount of tax exempt interest that you earned. For instance, if you have a $500 loss and you earned $10...
by Archie Sinclair
Sat Nov 30, 2013 12:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rookie error…now what?
Replies: 7
Views: 1409

Re: What am I missing? (a Zero Muni pre-buy check)

This is an AA+ rated Oregon General Obligation bond for a school district. A known and guaranteed nominal return, as long as Oregon is solvent in 2036 of course. This is confusing. Is the bond issued or guaranteed by the State of Oregon? If not, the question is whether the school district is solven...
by Archie Sinclair
Fri Nov 22, 2013 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What am I missing? (a Zero Muni pre-buy check)
Replies: 9
Views: 635

Re: Interested in Municipal Bonds as a safe way to earn 5-6%

See this other recent thread asking the same question: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=126586&newpost=1857585.

The bottom line is that Suze Orman is not giving good advice in this area.
by Archie Sinclair
Sun Nov 17, 2013 9:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interested in Municipal Bonds as a safe way to earn 5-6%
Replies: 11
Views: 1894

Re: Mutual Fund investors [Compare A- vs. C-Share Classes]

There is research showing that loads do not increase performance. They are just money down the drain.
by Archie Sinclair
Sun Nov 17, 2013 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund investors [Compare A- vs. C-Share Classes]
Replies: 18
Views: 965

Re: Hedging in the Trading Account

That would cost $17,120, right? Aren't there so many ways to spend $17,120 that would be more rewarding? I don't know you as an individual. But in general, it seems like the financial media has taught us that playing with huge sums on the stock market is somehow normal. It is like conventional gambl...
by Archie Sinclair
Wed Nov 13, 2013 11:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedging in the Trading Account
Replies: 3
Views: 198

Re: Replacing distributing with capitalizing ETFs

EU investor here. This is about as useful an expression as "north American Investor". You are a citizen of and taxed by a particular country. You are showing your parochialism by assuming that all 28 countries share the situation of your home country. That tone is not very nice. ruicarlov...
by Archie Sinclair
Mon Nov 11, 2013 10:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replacing distributing with capitalizing ETFs
Replies: 8
Views: 739

Re: How many funds do you have in your portfolio?

Total Stock Market + Small Cap Value 33%

Total International 33%

Intermediate Tax-Exempt + CDs + I Bonds 33%
by Archie Sinclair
Sun Nov 10, 2013 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6329

Re: How Much Cash Should Your Portfolio Have?

...I have much more in CDs, which I do not classify as cash... If forced to choose between cash/bonds/stocks (or, if you're hoighty-toighty, short-term reserves/fixed income/equities) how WOULD you classify them? They are certainly not stocks, and they are very un-bond-like, because the curve of re...
by Archie Sinclair
Sun Nov 10, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 6654

Re: Question about fees

The level of fees is one of the best predictors of future performance. Most active fund managers cannot outperform the index well enough to justify their fees. Inevitably, some funds have outperformed in the past, but it is generally due to luck and does not last. It's like using lottery numbers tha...
by Archie Sinclair
Sun Nov 10, 2013 9:54 pm
 
Forum: Investing - Theory, News & General
Topic: Question about fees
Replies: 7
Views: 547

Re: A Question about Some Credit Card Offers

It's more complicated than the previous two posts suggest. These kinds of rewards may or may not be taxable.

http://www.bankrate.com/finance/credit-cards/credit-card-rewards-count-taxable-income.aspx
by Archie Sinclair
Sun Nov 10, 2013 9:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Question about Some Credit Card Offers
Replies: 7
Views: 836

Re: Vanguard implements 20 character passwords

Penguin wrote:My apologies for my vague directions.
Log on to Vanguard
On the right side of the screen where it says ACCOUNT MAINTENANCE select More
On the right column, near the bottom select Timeout settings
This will bring you to the screen that I quoted before

I, for one, don't have that.
by Archie Sinclair
Sat Nov 09, 2013 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 57
Views: 7801

Re: Does an allocation less than 5% ever make sense?

Suppose one has a 401(k), an IRA, and a Roth IRA in ratios: 55:43:2 so that the Roth IRA amounts to 2% of one's portfolio. Would anyone here begrudge the investor who has a REIT fund in the Roth with no REIT funds in the other two accounts? Or suppose they have a 3-fund portfolio of Total US, Total...
by Archie Sinclair
Fri Nov 08, 2013 11:51 pm
 
Forum: Investing - Theory, News & General
Topic: Does an allocation less than 5% ever make sense?
Replies: 34
Views: 3260

Re: Open Vanguard account now or later?

Vanguard doesn't reimburse transfer fees. Vanguard also doesn't charge transfer fees if you want to leave Vanguard.

Vanguard doesn't play that game.
by Archie Sinclair
Fri Nov 08, 2013 10:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Open Vanguard account now or later?
Replies: 7
Views: 1057

Re: Second part of the Buffett-BRK blog post

But for somebody to say that Jack>Warren when it comes to investing is nothing short of ridiculous. Warren Buffett is the greatest investor in the history of investing. Period. Being a successful investor and contributing to the world of investing might be different things. Regardless, I don't unde...
by Archie Sinclair
Fri Nov 08, 2013 10:19 pm
 
Forum: Investing - Theory, News & General
Topic: Second part of the Buffett-BRK blog post
Replies: 26
Views: 2344

Re: Any reason to think highly leveraged companies return mo

If you want to invest in risky ramshackle companies that might have higher returns, I think a value index fund is the way to go. I doubt this fund's strategy is worth its 0.82% expense ratio.
by Archie Sinclair
Sun Nov 03, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Any reason to think highly leveraged companies return more?
Replies: 5
Views: 614

Re: Three-Fund Portfolio - VBTLX vs. VBILX

OP, I do not know where you got the yields from, but you the numbers you give are much too high. Much. They are about 1/2% lower. I frankly would use Vanguard Intermediate term investment grade which yields about 1/2% more than the intermediate index and about a % more than total bond index. I got ...
by Archie Sinclair
Sun Nov 03, 2013 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three-Fund Portfolio - VBTLX vs. VBILX
Replies: 11
Views: 1712

Re: Risk of Fraud or Mutual Fund Company Failure ?

I wouldn't trust all of my money with any one custodian - no matter who they were. Just because something may not have happened doesn't mean it can't. Do you make sure the underlying custodian bank is different? That is where the shares are actually kept. (I'm taking about JPM Chase, BNY Mellon, et...
by Archie Sinclair
Sun Nov 03, 2013 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: Risk of Fraud or Mutual Fund Company Failure ?
Replies: 46
Views: 3434

Re: Asking advice for portfolio in the Netherlands

I don't think investing in just the Netherlands for your home country bias is necessarily being too specific. For example in New Zealand which is a much smaller economy, about .03% of the world's GDP, a typical asset allocation for equities is 50% NZ Total Stock Market index and 50% World or 33% NZ...
by Archie Sinclair
Tue Oct 29, 2013 8:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asking advice for portfolio in the Netherlands
Replies: 17
Views: 1552

Re: TSP or Vanguard

It doesn't seem like it matters very much one way or another.
by Archie Sinclair
Mon Oct 28, 2013 9:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 13
Views: 2067

Re: Rational or behavioral & 3 factor is quite shaky

I am a medical scientist. All of these models being discussed, factors, etc observe correlations, relationships. Fama himself says he has no idea why they exist for his 3 factors. In the medical field if we do not have a good theory as to why we are loathe to ascribe any type of cause and effect. T...
by Archie Sinclair
Sun Oct 27, 2013 3:02 pm
 
Forum: Investing - Theory, News & General
Topic: Rational or behavioral & 3 factor is quite shaky
Replies: 15
Views: 1243

Re: timing employer match

No need to move your contribution around. When you are 75% vested, you will get 75% of everything your employer has contributed. As I understand it, the issue is not vesting of employer contributions. The issue is the size of employer contributions. This employer gives bigger matching contributions...
by Archie Sinclair
Sun Oct 27, 2013 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: timing employer match
Replies: 6
Views: 488

Re: VISVX vs VSIAX NAV?

Admiral and Investor shares happen to be packaged with different share "sizes," for lack of a better term. An Admiral share of this fund is almost twice as "large" as an Investor share, so it costs almost twice the price per share. It's like if a gallon of skim milk cost $3.00 an...
by Archie Sinclair
Sun Oct 27, 2013 12:33 pm
 
Forum: Investing - Theory, News & General
Topic: VISVX vs VSIAX NAV?
Replies: 9
Views: 933

Re: Index Fund Mislabeling Creates Confusion

The fund is named after what Vanguard thinks is important, not what you think is important. As with anything opinions differ. Which gets back to my earlier point -- names are not descriptions, and certainly not complete descriptions. These funds do not have names like Alice or Susan. They have name...
by Archie Sinclair
Sat Oct 26, 2013 1:49 am
 
Forum: Investing - Theory, News & General
Topic: Index Fund Mislabeling Creates Confusion
Replies: 22
Views: 2033

Re: Index Fund Mislabeling Creates Confusion

Some names are just obscure, like Vanguard FTSE All-World ex-US Index Fund. It's clunky, and yet fails to convey the key characteristic distinguishing it from Total International: the exclusion of smaller stocks. It is named not to distinguish it from Total International, but from Vanguard's FTSE A...
by Archie Sinclair
Thu Oct 24, 2013 9:10 pm
 
Forum: Investing - Theory, News & General
Topic: Index Fund Mislabeling Creates Confusion
Replies: 22
Views: 2033
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