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Re: Warren Buffet and the S&P index fund

Boglegrappler wrote:He's realized over the years that vast majority (99% plus) of people aren't bright enough, thoughtful enough, or motivated enough to do what he does.

Heck, most aren't bright enough to spell his name correctly.
by Langkawi
Wed Aug 27, 2014 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: Warren Buffet and the S&P index fund
Replies: 23
Views: 1668

Re: Schwab - now endorsing Index Funds

523HRR wrote:If Vanguard mutual funds were included among the 1000s of other no-fee funds offered through Schwab, there would be no reason not to buy a VG fund in a Schwab account.

I'm sure you understand why that will never happen.
by Langkawi
Wed Aug 27, 2014 11:48 am
 
Forum: Investing - Theory, News & General
Topic: Schwab - now endorsing Index Funds
Replies: 24
Views: 2060

Re: Credit Union(s) Lowering rate on existing certificate (C

Perhaps "theoretical" was not the best word to use.
My point was that the thread title implied that a credit union had actually lowered rates on existing CDs. They have previously changed EWPs, but your thread title is about rates.
by Langkawi
Wed Aug 20, 2014 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1384

Re: Goldman-Sachs: bonds to 4%, 6% stock returns

heyyou wrote:You lost me at
Goldman-Sachs predicts

Surprised you made it past "by Browser" :happy
by Langkawi
Tue Aug 19, 2014 6:27 pm
 
Forum: Investing - Theory, News & General
Topic: Goldman-Sachs: bonds to 4%, 6% stock returns
Replies: 20
Views: 2620

Re: Credit Union(s) Lowering rate on existing certificate (C

You should probably emphasize that this is theoretical and hasn't actually happened.
I am glad to see that despite your strong support of credit unions, you don't make excuses for them when they act as dirty as a bank.
by Langkawi
Tue Aug 19, 2014 3:33 am
 
Forum: Investing - Theory, News & General
Topic: Credit Union(s) Lowering rate on existing certificate (CD)
Replies: 10
Views: 1384

Re: Hw many credit cards to own?

killjoy2012 wrote:Ok, I care ZERO. :sharebeer

Right on :sharebeer
by Langkawi
Mon Aug 18, 2014 10:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 117
Views: 8206

Re: Hw many credit cards to own?

killjoy2012 wrote:Credit score impact? Minimal and I could honestly care less.

Image
by Langkawi
Mon Aug 18, 2014 10:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 117
Views: 8206

Re: Do you diversify into international bond?

http://www.bogleheads.org/forum/viewtopic.php?f=1&t=125057 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=138870 http://www.bogleheads.org/forum/viewtopic.php?f=10&t=131583 http://www.bogleheads.org/forum/viewtopic.php?f=1&t=136201
by Langkawi
Thu Aug 14, 2014 12:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2189

Re: Is the 401k 10% early withdrawal penalty worth it?

One thing to consider is your state tax rate. If you're currently in a high tax state and you plan to take the early withdrawals in a low or no tax state, that can mitigate some of the penalty.
by Langkawi
Wed Aug 13, 2014 1:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is the 401k 10% early withdrawal penalty worth it?
Replies: 32
Views: 1454

Re: 3.3% Vanguard 10 year CD

^ Lang, Unless you're in a very low federal and state income bracket, most people would find paying tax without any tangible return unpalatable. If I'm holding a 2032 TIPS bond and don't anticipate selling it until maturity, the idea of paying annual taxes for the next 18 years on the accrued princ...
by Langkawi
Wed Aug 13, 2014 12:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: 3.3% Vanguard 10 year CD

I suspect this is not money that will be placed in a tax-deferred account. Therefore, TIPS are really not an option, as some posters have suggested. Why not? Hasn't the phantom interest argument been thoroughly debunked as a red herring? I agree that taxable is not an ideal place for fixed-income, ...
by Langkawi
Tue Aug 12, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: Wills, Spouses, Prenups, etc.

Drew777 wrote:Again, I think the thread has run its course. If a mod sees this and can lock it please do so.

Why don't you just alert the mods yourself?
by Langkawi
Mon Aug 11, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wills, Spouses, Prenups, etc.
Replies: 67
Views: 3505

Re: Admiral Shares

DSInvestor wrote:With 20K in each account held at Vanguard, you can get Admiral shares of Vanguard Index funds which have a 10K minimum. The 50K minimum applies to admiral shares of actively managed Vanguard funds.

But are Admiral shares for the index funds now available at Wells Fargo?
by Langkawi
Sun Aug 10, 2014 11:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: Admiral Shares
Replies: 8
Views: 1241

Re: Seeking "growth of $10,000" charts considering load

in_reality wrote:You can't just subtract the load amount.

Please carefully reread what dickenjb wrote.
by Langkawi
Sun Aug 10, 2014 4:00 am
 
Forum: Investing - Theory, News & General
Topic: Seeking "growth of $10,000" charts considering load
Replies: 11
Views: 944

Re: Seeking "growth of $10,000" charts considering load

bnes wrote:
dickenjb wrote:Why don't you just multiply the final answer for the American fund by (1-load%)?

There's a compounding effect of money, so the final answer is far less than (1-load%).

dickenjb is 100% correct. The load is a one-time event.
by Langkawi
Sun Aug 10, 2014 3:05 am
 
Forum: Investing - Theory, News & General
Topic: Seeking "growth of $10,000" charts considering load
Replies: 11
Views: 944

Re: 3.3% Vanguard 10 year CD

ArthurO wrote:in 10 years when it matures, god willing I will take interest and spend it and reinvest the principle [sic]

The interest is paid out every six months.
by Langkawi
Sat Aug 09, 2014 7:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: 3.3% Vanguard 10 year CD
Replies: 96
Views: 8901

Re: Bonds in taxable account?

grabiner wrote:The current yield on I-Bonds is 0%

Just to be nitpicky, the current fixed rate is 0.10%.
by Langkawi
Wed Aug 06, 2014 10:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bonds in taxable account?
Replies: 24
Views: 2875

Re: Life Strategy Fund fee question

Angrypuppy wrote:nor did I read the prospectus.

If you take anything away from this thread, it should be always read the prospectus.
by Langkawi
Sun Aug 03, 2014 5:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Fund fee question
Replies: 34
Views: 1721

Re: looking ahead to the next 10-yr TIPS auction

Bill M wrote: trading systems can't handle two different CUSIPs having the same coupon and maturity.

That is not true and nothing in the thread you referenced suggested it was true.
by Langkawi
Wed Jul 30, 2014 12:17 am
 
Forum: Investing - Theory, News & General
Topic: looking ahead to the next 10-yr TIPS auction
Replies: 4
Views: 527

Re: Daily Telegraph: World War One Archive

I love this kind of stuff. When I was a kid, I went to the library and dragged out bound copies of LIFE magazine, and later, volumes of old Harper's Weekly back to the Civil War. They gave me a window on older, different worlds -- attitudes, cultural mores, what people considered important, etc. Ol...
by Langkawi
Mon Jul 28, 2014 2:24 pm
 
Forum: Personal Consumer Issues
Topic: Daily Telegraph: World War One Archive
Replies: 95
Views: 6876

Re: Bonds vs. Cds Discussion

I agree with you 100%. That explains OP's fallacy. He said one should buy CD instead of bonds because CD rate is higher than bond yields. As you stated, bonds and CD are not the same product so one should not make investment decision solely based on rates. Priceless :D Hilarious. Almost as funny as...
by Langkawi
Wed Jun 25, 2014 10:35 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds vs. Cds Discussion
Replies: 22
Views: 1499

Re: Bond yield =/= guaranteed return

I have seen several posters implying that the bond yield is a guaranteed return. Please provide links to support your assertion. It is a default free, non-callable zero coupon bond such as T-bill. If you hold T-bill till maturity, you are guaranteed to earn the yield (annualized). While T-Bills tec...
by Langkawi
Wed Jun 25, 2014 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Bond yield =/= guaranteed return
Replies: 36
Views: 3396

Re: to Muni, or not to Muni - that is the question

ps56k wrote:-Keep the $35k in the Ally Bank CD @ 1.10% for 2yr - raise your rate -

No more loyalty bonus at Ally?
by Langkawi
Tue Jun 24, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: to Muni, or not to Muni - that is the question
Replies: 10
Views: 1530

Re: Question about divorce & settlement

http://www.dailymail.co.uk/news/article-2273147/American-woman-granted-divorce-Beijing-celebrity-entrepreneur-husband-case-highlighted-shame-domestic-violence-China.html Not to make this topic serious, but as bad as divorce laws and lawyers are in this country, there are an improvement over the opt...
by Langkawi
Tue Jun 24, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Question about divorce & settlement
Replies: 39
Views: 2135

Re: Reducing Expenses for Future Family

jenlinc2006 wrote:Why do people still do cable?

Sports.
by Langkawi
Tue Jun 24, 2014 2:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Reducing Expenses for Future Family
Replies: 77
Views: 3206

Thoughts on iShares ISTB (core short-term bond)

ISTB (Core Short-Term U.S. Bond) is one of the commission-free ETFs available at Fidelity. I'm considering using it when necessary to re-balance out of equities for the following reasons: 1) ER is 0.12% 2) Duration is under three years 3) The only other short duration, low ER, commission-free option...
by Langkawi
Mon Jun 23, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on iShares ISTB (core short-term bond)
Replies: 2
Views: 285

Re: New Investor - Atypical Situation

Be sure to plan for taxes. Generally RSUs are taxed like bonuses which mean they are only subject to 25% federal withholding on the first $1M of income. You'll need to make up for the difference between that 25% and your actual tax rate come tax season -- I've seen others forget about this and a $1...
by Langkawi
Sun Jun 22, 2014 8:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: New Investor - Atypical Situation
Replies: 25
Views: 1973

Re: I Bonds 5.27% interest

Julieta wrote:Is it you sscritic?

That is an awesome tool.

Just put eyebonds.info into the Bogleheads search engine. The first result will lead you the author.
by Langkawi
Sat Jun 21, 2014 10:40 pm
 
Forum: Investing - Theory, News & General
Topic: I Bonds 5.27% interest
Replies: 33
Views: 3700

Re: Barron's top 50 annuities

Ever Ready wrote:The link requires a subscription. However, a search will find the 2012 and 2013 versions are available for free.

As letsgobobby said, the current article is available through the Google backdoor.
by Langkawi
Sat Jun 21, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Barron's top 50 annuities
Replies: 13
Views: 1974

Re: USBank/IBonds/medallion Stamp

bartbill wrote:US Banks wants see proof the TD accounts exist - and how much money is in there!! This makes no sense to me

US Bank is accepting liability by issuing the medallion signature guarantee, so it makes perfect sense that they want to understand the magnitude of the liability.
by Langkawi
Tue Jun 17, 2014 1:57 am
 
Forum: Investing - Help with Personal Investments
Topic: USBank/IBonds/medallion Stamp
Replies: 9
Views: 683

Re: A really odd duck. One credit card with 4 "brands"

The following credit card really blows my mind as far as classifying its elements. Evidently *four* "brands" here. Two co-brands, one Payment Brand, and one Issuing Bank? Hawaiian Airlines® Business MasterCard credit card * Hawaiian Airlines (Co-brand) * Bank of Hawaii (Co-brand?!?) * Mas...
by Langkawi
Fri May 30, 2014 4:56 pm
 
Forum: Personal Consumer Issues
Topic: Credit card "payment networks"--how many are there, e.g Amex
Replies: 18
Views: 1552

Re: Credit card "payment networks"--how many are there, e.g

tidalwave10 wrote:what chief factors distinguish one payment network from another from a consumer perspective?

Amex forbids Dynamic Currency Conversion on its payment network which to me is a key positive differentiating factor vs Visa and MasterCard.
by Langkawi
Thu May 29, 2014 2:48 pm
 
Forum: Personal Consumer Issues
Topic: Credit card "payment networks"--how many are there, e.g Amex
Replies: 18
Views: 1552

Re: Blocking posters

[OT comments removed by admin LadyGeek.]
by Langkawi
Mon May 26, 2014 3:22 pm
 
Forum: Forum Issues and Administration
Topic: Blocking posters
Replies: 19
Views: 1526

Re: Mary Rowland opposes bond funds?!

thethinker wrote:I recently read an article which mentioned Mary Rowland's quote where she said "Don't Buy Bond Funds".

When you say recently, do you mean 18 years ago?
http://articles.sun-sentinel.com/1996-06-03/business/9605280229_1_mutual-funds-book-mary-rowland
by Langkawi
Sun May 18, 2014 4:18 am
 
Forum: Investing - Theory, News & General
Topic: Mary Rowland opposes bond funds?!
Replies: 5
Views: 642

Re: Living like rich people for 1k a month

anonforthis wrote:
ChiefIllini wrote:Why so secretive?
Nha Trang, Vietnam.

No.

Well, Yes and No. Anyone with an ounce of common sense knows that you are a Pinay. However, most of the photos you stole were from Vietnam. Only the beach picture is from Boracay. Google told me this.
by Langkawi
Sat May 17, 2014 4:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: Would you retire [to a tropical island with kids]?
Replies: 121
Views: 9729

Re: Seeking Constructive Advice on Whole Life for High Incom

I'd like to see one example of someone being flamed for asking about whole life. Most of those threads have been deleted as most whole life threads are started by insurance salesmen. http://www.bogleheads.org/forum/viewtopic.php?t=57154 Perhaps the OP is an example of those salesman refining their ...
by Langkawi
Fri May 16, 2014 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Seeking Constructive Advice on Whole Life for High Income Ea
Replies: 25
Views: 1641

Re: Smart Indexing Thoughts?

flyboy2000 wrote: Would like to hear what other bogleheads think.

Dozens of posts already.
by Langkawi
Wed May 07, 2014 9:42 pm
 
Forum: Investing - Theory, News & General
Topic: Smart Indexing Thoughts?
Replies: 5
Views: 817

Re: Zero Coupon or CD's Nominal Bonds in Liability Matching

Phineas J. Whoopee wrote:All CDs I know of reinvest interest if the depositor chooses, even compound it, at the original rate, so there's none of that risk during their terms.

Not true for brokered CDs.
by Langkawi
Wed Apr 16, 2014 5:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon or CD's Nominal Bonds in Liability Matching Port
Replies: 3
Views: 220

Re: Could this be? (Schwab ETF spread)

Schwab lists it as having the biggest spread of their funds but still the ave. is .0023% or $.07 for February. Fidelity similarly lists it at .0022%. I know I didn't pay anything near that. I overweighted int. small with it. (Fixed link) http://ims.schwab.wallst.com/repository/?doc=ETFsMthlyTradeRp...
by Langkawi
Fri Mar 21, 2014 2:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Could this be? (Schwab ETF spread)
Replies: 8
Views: 561

Re: Blog article: Core Four portfolios:

I believe some of the listed expense ratios do not reflect the most recent changes. For example, VTIAX/VXUS is now at 0.14%.
by Langkawi
Fri Mar 14, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Blog article: Core Four portfolios:
Replies: 13
Views: 2227

Re: You know you're a Boglehead when ...

2) You know who Rick, Larry, Bill and Allen are. Not sure who Allen is, but I do know All a n Roth. You find yourself being corrected on both grammatical and spelling errors. No other anonymous forum practices the use of proper English as they do on the Bogleheads forum website. Spelling someone's ...
by Langkawi
Tue Mar 04, 2014 3:30 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 16129

Re: Banning +1 in Boglehead forums

Bogleheads should read this post before responding to the OP.
by Langkawi
Tue Mar 04, 2014 2:47 pm
 
Forum: Forum Issues and Administration
Topic: Banning +1 in Boglehead forums
Replies: 53
Views: 6134

Re: You know you're a Boglehead when ...

Grt2bOutdoors wrote:2) You know who Rick, Larry, Bill and Allen are.

Not sure who Allen is, but I do know Allan Roth.
by Langkawi
Tue Mar 04, 2014 2:42 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: You know you're a Boglehead when ...
Replies: 105
Views: 16129

Re: If tax rates have gone way up for you -

VennData wrote:You're married. The thresholds START at $250,000 AFTER deductions.

http://www.irs.gov/uac/Newsroom/Net-Inv ... e-Tax-FAQs

Don't sweat it.

I don't see any indication that OP isn't aware of the threshold.
by Langkawi
Sun Feb 16, 2014 8:18 pm
 
Forum: Investing - Theory, News & General
Topic: If tax rates have gone way up for you -
Replies: 17
Views: 1781
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