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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 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: expense ratio of VTMGX is lower than VPADX or VEUSX
Replies: 3
Views: 471

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 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: "Only a fraction of Americans directly own stocks"
Replies: 27
Views: 3315

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 9:08 pm
 
Forum: Investing - Theory, News & General
Topic: Better than index funds: Buy a conglomerate’s stock
Replies: 27
Views: 3404

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 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1767

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 11:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Credit union with good online bill pay?
Replies: 29
Views: 1767

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
Sat Jun 14, 2014 12:01 am
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 792

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 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: IMCA Capital Unsolicited Card Sent?
Replies: 17
Views: 792

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 11:10 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3982

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 10:23 pm
 
Forum: Investing - Theory, News & General
Topic: "Is Bogle Befuddling?"
Replies: 57
Views: 7055

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 10:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best Credit Card Promos 2014
Replies: 34
Views: 11596

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 9:12 pm
 
Forum: Personal Consumer Issues
Topic: Does Vanguard spend "our" money on Lobbying activities?
Replies: 49
Views: 3676

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 9:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: What time does Vanguard update market values?
Replies: 60
Views: 3704

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 10:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Flagship Plus still exist?
Replies: 5
Views: 1176

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 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: The 'Hold Bonds to Maturity' Problem
Replies: 65
Views: 3383

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 9:59 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: 1100

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 1:15 am
 
Forum: Investing - Theory, News & General
Topic: Experts and Bogleheadism
Replies: 33
Views: 1796

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 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Oldest credit card - upgrade?
Replies: 11
Views: 1079

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 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rookie error…now what?
Replies: 7
Views: 1403

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 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: What am I missing? (a Zero Muni pre-buy check)
Replies: 9
Views: 625

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 10:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Interested in Municipal Bonds as a safe way to earn 5-6%
Replies: 11
Views: 1843

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 10:29 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund investors [Compare A- vs. C-Share Classes]
Replies: 18
Views: 928

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
Thu Nov 14, 2013 12:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Hedging in the Trading Account
Replies: 3
Views: 195

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 11:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Replacing distributing with capitalizing ETFs
Replies: 8
Views: 637

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 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: How many funds do you have in your portfolio?
Replies: 96
Views: 6208

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 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: How Much Cash Should Your Portfolio Have?
Replies: 44
Views: 6256

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 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: Question about fees
Replies: 7
Views: 542

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 10:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: A Question about Some Credit Card Offers
Replies: 7
Views: 765

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 9:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard implements 20 character passwords
Replies: 57
Views: 7478

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
Sat Nov 09, 2013 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Does an allocation less than 5% ever make sense?
Replies: 34
Views: 3140

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 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Open Vanguard account now or later?
Replies: 7
Views: 1047

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 11:19 pm
 
Forum: Investing - Theory, News & General
Topic: Second part of the Buffett-BRK blog post
Replies: 26
Views: 2194

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
Mon Nov 04, 2013 12:08 am
 
Forum: Investing - Theory, News & General
Topic: Any reason to think highly leveraged companies return more?
Replies: 5
Views: 588

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 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three-Fund Portfolio - VBTLX vs. VBILX
Replies: 11
Views: 1577

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 8:50 pm
 
Forum: Investing - Theory, News & General
Topic: Risk of Fraud or Mutual Fund Company Failure ?
Replies: 46
Views: 3375

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 9:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asking advice for portfolio in the Netherlands
Replies: 17
Views: 1433

Re: TSP or Vanguard

It doesn't seem like it matters very much one way or another.
by Archie Sinclair
Mon Oct 28, 2013 10:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: TSP or Vanguard
Replies: 13
Views: 1928

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 4:02 pm
 
Forum: Investing - Theory, News & General
Topic: Rational or behavioral & 3 factor is quite shaky
Replies: 15
Views: 1223

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 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: timing employer match
Replies: 6
Views: 483

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 1:33 pm
 
Forum: Investing - Theory, News & General
Topic: VISVX vs VSIAX NAV?
Replies: 9
Views: 872

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 2:49 am
 
Forum: Investing - Theory, News & General
Topic: Index Fund Mislabeling Creates Confusion
Replies: 22
Views: 2020

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 10:10 pm
 
Forum: Investing - Theory, News & General
Topic: Index Fund Mislabeling Creates Confusion
Replies: 22
Views: 2020

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.
by Archie Sinclair
Wed Oct 23, 2013 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Index Fund Mislabeling Creates Confusion
Replies: 22
Views: 2020

Re: Observations while backtesting tilts on Portfolio Visual

No one could have invested in that portfolio in 1972. REITs barely existed, and emerging markets and small foreign stocks would have been virtually inaccessible. There certainly were no low-cost index funds. Given that capital markets have changed dramatically, it seems likely that the reward struct...
by Archie Sinclair
Tue Oct 22, 2013 11:08 pm
 
Forum: Investing - Theory, News & General
Topic: Observations while backtesting tilts on Portfolio Visualizer
Replies: 6
Views: 590

Re: Help with asset allocations at Vanguard

I think you should try to understand the basics of bonds better, because a lot of it does not make intuitive sense at first. There's a wiki page on it: http://www.bogleheads.org/wiki/Bond_basics . Bonds can lose a lot of value in the short term due to interest rate rises. But those losses are tempor...
by Archie Sinclair
Sun Oct 20, 2013 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with asset allocations at Vanguard
Replies: 5
Views: 644

Re: A Soft Shoe Strut Down Vegas

It is not necessarily expensive at all. The expected return of any randomly chosen stock, from say the list of stocks in TSM, is no different than the expected return from TSM. Roughly half of randomly chosen stocks will have a greater return than TSM and half will have less. It is an even money ga...
by Archie Sinclair
Sun Oct 20, 2013 10:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: A Soft Shoe Strut Down Vegas
Replies: 10
Views: 1209

Re: What is Adequate Compensation for Extending Maturity?

Call_Me_Op wrote:
dbr wrote:Somewhere in Larry Swedroe's writings he moots the proposition that a gain of 15bp in yield per year of additional duration is justified on a risk/return basis.


Did you mean to use the word "moots?"

It means "suggests."
by Archie Sinclair
Sun Oct 13, 2013 2:53 pm
 
Forum: Investing - Theory, News & General
Topic: What is Adequate Compensation for Extending Maturity?
Replies: 22
Views: 1005

Re: Reasons to have accounts at multiple institutions

Money moved to a Fidelity account is FDIC insured after one day, says Fidelity. That's actually a little surprising; I would have expected that Fidelity would stand by the money as soon as they received it. It's not up to Fidelity. Fidelity is not a bank, so Fidelity has to move the money over to a...
by Archie Sinclair
Sat Oct 12, 2013 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Reasons to have accounts at multiple institutions
Replies: 30
Views: 3648
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