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Re: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)

President just signed the executive order directing the Treasury to create this. Still not sure what 'this' is though.
by Eagle784
Wed Jan 29, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: MYRA OFF TOPIC UNTIL ACTIONABLE (merged threads)
Replies: 68
Views: 4067

Re: AA-tracking tool?

Tried to attach it to post so you can add to your blog/article (if you opt to) but I couldn't for some reason, the forums probably doesn't allow attachments for posts. Edit: Strictly, I'm really looking for an AA tracking tool that actually allows me to input original # of shares for a fund or ETF,...
by Eagle784
Wed Aug 14, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA-tracking tool?
Replies: 30
Views: 2110

X-Raying My 1* Portfolio

I recently realized that using the free tool on the Morningstar site and accessing the portfolio sharing screen provides a bunch of information from the usually paywalled X-Ray service. I briefly used the T Rowe site to accomplish this, but this is way better as it lets you bulk upload transactions....
by Eagle784
Sat Jul 27, 2013 10:52 am
 
Forum: Investing - Theory, News & General
Topic: X-Raying My 1* Portfolio
Replies: 1
Views: 357

Re: HP Fidelity 401k - Please Portfolio Review & Advice

If you can tell us the index that the index funds follow, we may be able to help you better.
by Eagle784
Thu Jun 20, 2013 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: HP Fidelity 401k - Please Portfolio Review & Advice
Replies: 3
Views: 423

Re: McGraw-Hill (S&P) fires back

Just to be clear - an MBS tranche is a financing mechanism by the lenders used to offload loans (risk) to third-parties. If the MBS mechanism was not available, the amount of lending capacity would drop precipitously as the banks would have to hold capital on their books in reserve. In other words,...
by Eagle784
Thu Feb 14, 2013 2:49 pm
 
Forum: Investing - Theory, News & General
Topic: McGraw-Hill (S&P) fires back
Replies: 33
Views: 2150

Re: McGraw-Hill (S&P) fires back

Read between the lines - investors if you will, were buying packaged MBS securities, yes. The ultimate end-user (the home purchaser) had no idea that an oligopoly was instrumental in causing an overheated marketplace by assigning worthless valuations that led to severe overpayment of assets finance...
by Eagle784
Thu Feb 14, 2013 11:37 am
 
Forum: Investing - Theory, News & General
Topic: McGraw-Hill (S&P) fires back
Replies: 33
Views: 2150

Re: McGraw-Hill (S&P) fires back

I made no argument against them paying any price for fraud, if they did in fact commit fraud. I was specifically addressing the comment that today's S&P ratings are worthless. They aren't. If in fact S&P committed fraud and provided worthless ratings in the past, how can you be certain they...
by Eagle784
Thu Feb 14, 2013 2:27 am
 
Forum: Investing - Theory, News & General
Topic: McGraw-Hill (S&P) fires back
Replies: 33
Views: 2150

Re: New car: I'm about to replace my 2003 Accord V6.

A 2012 RAV4 V6 (182in.) is a smallish car with a v6 (269hp) and under $30K (if you hurry, you should still be able to find it new).

Not sure about the AC etc.
by Eagle784
Wed Feb 13, 2013 10:49 am
 
Forum: Personal Consumer Issues
Topic: New car: I'm about to replace my 2003 Accord V6.
Replies: 66
Views: 8660

Re: Shifts in VG Tracking Indexes Announced

In case anyone else was also curious, FTSE Global All Cap ex-US covers three countries that MSCI ACWI ex-US IMI didn't: Morocco, Pakistan, and the United Arab Emirates. On the other hand MSCI has around 9,000 positions, while FTSE has only about 5,300. The only thing that concerns me is the 5yr tota...
by Eagle784
Tue Oct 02, 2012 2:46 pm
 
Forum: Investing - Theory, News & General
Topic: Shifts in VG Tracking Indexes Announced
Replies: 155
Views: 14813

Re: Supplement Vanguard 401K with Vanguard Roth

Thanks, I'm not sure I'm convinced of the value of tilting to small -cap value yet, so i'm holding off -instead i'm aiming to hold as much of the market as is feasible at the market weights.

I've been thinking about REITs; however, what's the case for holding more than the 3% or so that is in TSM?
by Eagle784
Thu Mar 22, 2012 11:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Supplement Vanguard 401K with Vanguard Roth
Replies: 3
Views: 308

Re: Supplement Vanguard 401K with Vanguard Roth

After browsing around the forum a bit, I found out that Total Bond Market does not contain high-yield bonds, so I'm probably going to replace some of my TBM allocation in my Roth with that; likely in Rick Ferri's recommended 6:2:2 ratio. Are there any other funds I should be aware of?

Thanks.
by Eagle784
Wed Mar 21, 2012 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Supplement Vanguard 401K with Vanguard Roth
Replies: 3
Views: 308

Supplement Vanguard 401K with Vanguard Roth

I’m getting some new Vanguard funds in my 401k (listed below) to replace our collective trust index funds, and I’m looking for recommendations for how to best complement them with my Vanguard Roth. I don’t know the share class yet, but we use the institutional version of the Vanguard TIPS fund, so I...
by Eagle784
Mon Mar 19, 2012 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Supplement Vanguard 401K with Vanguard Roth
Replies: 3
Views: 308

Re: Current equivalent to a Taurus car?

An E-Class Wagon should be at least as large and is only an inch taller than the Taurus.
by Eagle784
Thu Mar 15, 2012 3:35 pm
 
Forum: Personal Consumer Issues
Topic: Current equivalent to a Taurus car?
Replies: 44
Views: 2520

Re: Man in the Browser Malware defeats 2-step bank authent

I don't get why I should care - I'm not liable for fraud in my personal checking/saving accounts. Worst case scenario, there's a small risk I pay my credit card bills a little late one month - the card company will most likely waive the late fee when I explain. Just doesn't seem worth the tine and h...
by Eagle784
Thu Feb 09, 2012 12:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Man in the Browser Malware defeats 2-step bank authent
Replies: 27
Views: 2403

Re: Helping My Employer With Our 401K

@Eagle784 You're right, we're not too big for Vanguard. I was confused. Current assets in our plan are in the mid single digit millions with 200+ participants. We've hired a third party fiduciary. He is liable for investment selection. Not sure if that's the same thing as a 3(38) fiduciary but I wi...
by Eagle784
Fri Jan 27, 2012 7:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Employer With Our 401K
Replies: 25
Views: 1846

Re: Helping My Employer With Our 401K

A few thoughts: - How are you too big for Vanguard, but only have A-shares at ML? Vanguard recordkeeps billion dollar plans. Something's not right here. - Your plan probably has less than $50M - if you want to stay at ML, expect your plan admin costs to rise if you put a lot of assets into cheap ind...
by Eagle784
Fri Jan 27, 2012 6:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Helping My Employer With Our 401K
Replies: 25
Views: 1846

I wouldn't be so quick to dismiss the SSgA target dates - I believe it's generally an assortment of index funds underlying them. See if the fact sheet has any information on it. Edit: They should be disclosing the expenses somewhere, even if it's not the usual place because it's a collective trust. ...
by Eagle784
Mon Sep 05, 2011 8:57 am
 
Forum: Investing - Help with Personal Investments
Topic: making the best of bad 401k choices
Replies: 23
Views: 1325

The rending of garments in the replies over the dogwalker are hilarious. I wonder if people in the third world have the same reaction when hearing about someone who can afford multiple pairs of shoes. Your shortfall is practically a rounding error compared to your income, and you're saving plenty. I...
by Eagle784
Sat Jun 18, 2011 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: am I being unreasonable? Trying to "sneak" savings
Replies: 158
Views: 20503

They are almost certainly disclosing the fees somewhere - it's either buried in a footnote somewhere in the annual report for each account, or it's in the plan's annual report. Probably in the annual report (IRS 5500) that must be provided on request to participants. You don;t get it unless you req...
by Eagle784
Mon Oct 04, 2010 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Principal Separate Accounts - Anything Fishy Here?
Replies: 16
Views: 2754

They are almost certainly disclosing the fees somewhere - it's either buried in a footnote somewhere in the annual report for each account, or it's in the plan's annual report.
by Eagle784
Sun Oct 03, 2010 10:21 am
 
Forum: Investing - Help with Personal Investments
Topic: Principal Separate Accounts - Anything Fishy Here?
Replies: 16
Views: 2754

Since the manager of this stable value fund has an almost unlimited transfer restriction authority, what is more important is the credit quality of the underlying investments than the credit quality of the insurance company. If interest rates rise too fast for the depth of their pockets, they can s...
by Eagle784
Fri Oct 01, 2010 1:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Stable Value Fund
Replies: 34
Views: 5412

Re: Friends and money: better left unsaid?

OK bogleheads, let it rip - have you relationships been adversely affected because you count pennies and keep your numbers to yourself and others pay 14% APR? Maybe some of them have found a middle ground between keeping $2M in the bank and paying a 14% APR. In any case, how will people find out if...
by Eagle784
Sun Sep 12, 2010 4:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Friends and money: better left unsaid?
Replies: 34
Views: 6478

Re: grok says I know that Fidelity is ultimately out to scre

It's not entirely sporting to compare C shares of other companies to American Funds' A shares. I see American Funds doesn't offer a C share of this fund, but the R1 share with a 100 bps 12b-1 probably isn't far from the expense ratio a C share would have, is at 1.61%. If the R1 was a retail share c...
by Eagle784
Mon Sep 06, 2010 9:11 pm
 
Forum: Investing - Theory, News & General
Topic: grok says I know that Fidelity is ultimately out to screw me
Replies: 72
Views: 6959

Re: grok says I know that Fidelity is ultimately out to scre

The target type funds are a different matter. Very over priced. Yes and no. Let's use the Vanguard website to search on funds from many fund families that have "2040" in the name :) Fidelity, Vanguard, then, the next five hits in alphabetical order and sort the whole thing by expense rati...
by Eagle784
Mon Sep 06, 2010 6:11 pm
 
Forum: Investing - Theory, News & General
Topic: grok says I know that Fidelity is ultimately out to screw me
Replies: 72
Views: 6959

Thanks for everyone's help thus far. We got a new fund in our 401k, the Vanguard Inflation Protected Securities Fund Institutional Class (VIPIX). The rest of the funds remain the same as above. I was planning on reallocating my portfolio as follows: ML Equity Index Trust (S&P 500 Index) 46% ML I...
by Eagle784
Wed Sep 02, 2009 11:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Help
Replies: 16
Views: 3532

Who says 'starve the beast' doesn't work?
by Eagle784
Tue Feb 17, 2009 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: With no budget, California to cut 20,000 state jobs
Replies: 69
Views: 9938

Re: Maybe this is good

Maybe this will be a good reallocation of resources. Maybe some smart grads will work on the next Microsoft or Google, and benefit society to a greater degree, than just make money for large corporations by learning how to shift money around and sell AAA-rated boxes of turds. Maybe not, but we coul...
by Eagle784
Sun Feb 08, 2009 4:39 pm
 
Forum: Personal Consumer Issues
Topic: NYtimes: The End of the Princeton Pipeline to Wall St?
Replies: 25
Views: 3334

If you are really concerned about getting the most, why not get a part time job on top of your full time job. The hours you spend looking for rates, you can be doing some side jobs for extra $. That would probably amount to more than what the higher rate at XYZ bank will give you. :lol: Exactly how...
by Eagle784
Thu Jan 22, 2009 3:31 pm
 
Forum: Investing - Theory, News & General
Topic: Why Are Bogleheads Using Money Market Funds?
Replies: 55
Views: 10037

If you are really concerned about getting the most, why not get a part time job on top of your full time job. The hours you spend looking for rates, you can be doing some side jobs for extra $. That would probably amount to more than what the higher rate at XYZ bank will give you. :lol: Exactly how...
by Eagle784
Tue Jan 20, 2009 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Why Are Bogleheads Using Money Market Funds?
Replies: 55
Views: 10037

tj-longterm wrote:
But I guess we should just throw out the rule of law because this guy did something bad.


Yes, cases like this always separate those who prefer the mere appearance of justice from those who truly believe in it.
by Eagle784
Mon Jan 19, 2009 2:28 pm
 
Forum: Personal Consumer Issues
Topic: Madoff Ponzi Scheme = 30 Million Common Crimes
Replies: 18
Views: 2844

To me it kind of sounds like you made a mess in the hopes of greater benefit down the line, but later it turned out that it was still just a mess. And now you're mad about having a mess on your hands. To quote you: I am not taking any blame for this mess. Complicated schemes are indeed complicated ...
by Eagle784
Thu Jan 15, 2009 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard massively screwing me over - Other options?
Replies: 69
Views: 11361

I made an assumption in an early post that was incorrect. Wife's 401(k) has access to American Funds Class R3, she uses RGACX (Growth Fund of America R3) which has an expense ratio of .96%. I think the R in R3 stands for retirement account. I thought R3 was class C but I was not aware that American...
by Eagle784
Thu Jan 01, 2009 11:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: What C class mutual fund should I buy for my 401K?
Replies: 33
Views: 3440

Met Income wrote:I don't believe Warren Buffet's personal life is relevant to us. Or it shouldn't be, anyway.


If only Buffet would extend us the same courtesy, instead of petitioning Congress for new taxes of all sorts.
by Eagle784
Thu Dec 18, 2008 7:21 pm
 
Forum: Personal Consumer Issues
Topic: Buffett Cut Off Granddaughter
Replies: 56
Views: 10463

Word of advice - you'll have the best results if you tell the PS3 to output video at 1080i.

Also, I recommend getting ps3 component cables from monoprice.com

http://www.monoprice.com/products/produ ... 1&format=2
by Eagle784
Mon Dec 01, 2008 11:26 pm
 
Forum: Personal Consumer Issues
Topic: 1080i TV plus a playstation 3 HD DVD player = good setup?
Replies: 39
Views: 6569

Are you certain that those expenses are not one time administration fees assessed to rollovers, loans etc.?
by Eagle784
Fri Nov 21, 2008 12:54 am
 
Forum: Personal Finance (Not Investing)
Topic: Decoding my 401(k) financial statement
Replies: 12
Views: 1957

I was skeptical at first, but it does look like you should add 40bps to your ERs. My plan document in contrast says "These expenses were comprised solely of benefits paid to participants and beneficiaries." What I don't understand is how this isn't a line item on your statement. Are your i...
by Eagle784
Thu Nov 20, 2008 2:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Decoding my 401(k) financial statement
Replies: 12
Views: 1957

Yes, she her company contributes 1% if she contributes 4%, and she is contributing 4%. She'll contribute about $2500 a year as a result.

It's her first job, so she does have a long time horizon. I'll try to get her to read that.
by Eagle784
Sun Oct 26, 2008 10:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 3
Views: 1224

401k Advice

A friend wants help with her first 401k. This will be her entire portfolio for now, though she may open a Roth later on. Unfortunately, she doesn't seem to have any index funds, and though she has a lot of choices, most are quite expensive. Below are her 30 cheapest options. I recommended the Fideli...
by Eagle784
Sun Oct 26, 2008 9:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Advice
Replies: 3
Views: 1224

If you gave a 224 billion dollar plan to any major recordkeeper, including Vanguard, they would happily subsidize any index fund you'd like down to fractions of a basis point, just as barclays has done.
by Eagle784
Tue Oct 21, 2008 10:45 pm
 
Forum: Investing - Theory, News & General
Topic: Why are Vanguard's Expense Ratios High ...
Replies: 35
Views: 7805

Assuming your numbers are as of 6/30/2008, here is a comparison. 1yr 3yr 5yr 10yr ML Core Enhanced Bond Index 6.66% 3.88% 3.78% 5.60% Vanguard Total Bond Market 7.23% 4.02% 3.77% 5.42% Lehman US Aggregate Bond Index 7.12% 4.09% 3.85% 5.68% ML Core Enhanced Bond Index doesn't look awfully off. Hello...
by Eagle784
Sat Oct 18, 2008 2:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Help
Replies: 16
Views: 3532

Re: retirement products

[deleted]
by Eagle784
Sat Sep 13, 2008 9:17 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Product Brainstorming
Replies: 10
Views: 1870

Retirement Product Brainstorming

[deleted]
by Eagle784
Fri Sep 12, 2008 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: Retirement Product Brainstorming
Replies: 10
Views: 1870

Thanks for the thoughtful comments. I think I'm going to follow Laura's advice and just switch my regular contributions over to the Roth 401k, and invest in the Target Retirement fund, which does seem more diversified as well. I'm just a little unsure if it's worth paying around 15bps extra for this...
by Eagle784
Sat Aug 16, 2008 10:14 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Help
Replies: 16
Views: 3532

Thanks for all the help so far everyone. I implemented PiperWarrior's recommendation in my 401k. I just realized the implications of the fact that my employer provides a Roth 401k. Two questions: 1. What do you think about using my Roth 401k instead of my Traditional 401k going forward? I understand...
by Eagle784
Fri Aug 15, 2008 12:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k Portfolio Help
Replies: 16
Views: 3532

Thanks for the detailed reply. I understand it's unlikely, I just thought that it might be cheapest to get coverage now, before I've had any serious health problems and eaten into the maximum. This is actually the first I've heard of such maximums for mainstream policies, none of my friends in simil...
by Eagle784
Fri Aug 15, 2008 10:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Supplemental Health Insurance
Replies: 2
Views: 987

Supplemental Health Insurance

The health insurance I have through my employer is fairly comprehensive, however it has a 3 million dollar lifetime benefit which makes me nervous. Does anyone know of anyone who will write a policy with a $3 million lifetime deductible for a reasonable premium? I'm 23.

Thanks.
by Eagle784
Thu Aug 14, 2008 11:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Supplemental Health Insurance
Replies: 2
Views: 987

Unfortunately, even the new faster 12c is painfully slow compared to the BA II Plus Pro when doing valuations.
by Eagle784
Thu Aug 14, 2008 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hewlett Packard 12C
Replies: 25
Views: 5388

Thanks for the advice everyone, and I'll be showing the thread to him.
by Eagle784
Sun Aug 03, 2008 6:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance Closed- End Fund Recommedation
Replies: 16
Views: 2732

He has owned the fund for 2 years and it has paid exactly 9% consistently, so he's reluctant to move out of it. I'm not sure how closed-end funds work, and how they differ from ETFs. For example, the NAV has fallen from $19.50 to $18.75, but it continues to pay dividends of 9% of the original $10,00...
by Eagle784
Sun Aug 03, 2008 5:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance Closed- End Fund Recommedation
Replies: 16
Views: 2732

Eaton Vance Closed- End Fund Recommedation

My father recently bought 513 shares of the Eaton Vance Risk-Managed Diversified Equity Fund (ETJ) for $10,000 in a taxable account at the recommendation of my broker. The broker guaranteed it would pay 9% on the $10,000 every year, regardless of changes to NAV. Can anyone explain how this works, an...
by Eagle784
Sun Aug 03, 2008 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Eaton Vance Closed- End Fund Recommedation
Replies: 16
Views: 2732
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