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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: 186

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: 512

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: 2096

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: 86
Views: 5166

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: 2183

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: 86
Views: 5166

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: 1760

Re: 2014 JD Powers Results Are In

It's J.D. Power.
by Langkawi
Fri Feb 14, 2014 1:53 pm
 
Forum: Personal Consumer Issues
Topic: 2014 JD Powers Results Are In
Replies: 6
Views: 929

Re: Do individual earnings correlate to daily index value

Earnings reports often discuss broader industry trends as well as the general economic environment.
by Langkawi
Thu Feb 13, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Do individual earnings correlate to daily index value
Replies: 2
Views: 134

Re: Pet peeve: When people refer to this forum as "Bogglehea

Literacy is not a strong point of this forum. How many posts have you seen about iBonds, Warren Buffet, bond principle?
by Langkawi
Wed Feb 12, 2014 11:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Pet peeve: When people refer to this forum as "Boggleheads."
Replies: 36
Views: 2446

Re: mutual fund or ETF for munis

Benn1950 wrote:To calculate the yield you multiply the monthly dividend by 12 and divide the product by current price of ETF.

Ummm...That's how you calculate the distribution yield, which is important for sleazy financial "advisers" but not for Bogleheads. Bogleheads should care only about SEC yield.
by Langkawi
Tue Feb 11, 2014 11:33 pm
 
Forum: Investing - Theory, News & General
Topic: mutual fund or ETF for munis
Replies: 14
Views: 827

Re: Newly Married and Taxed

jasc15 wrote:It was my understanding that the tax situation was more favorable to a married couple than to 2 individuals.

Favorable only when there is a disparity in income. When the income level is the same (and high), there is a often significant marriage penalty.
by Langkawi
Mon Feb 10, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Newly Married and Taxed
Replies: 39
Views: 2350

Re: Bogleheads and Fast Food

3Wood85 wrote:
chaz wrote:I like Subway.


I read an interesting article on CNN today regarding Subway and the chemicals they use in their bread.

I thought food politics violated the forum policies.
by Langkawi
Mon Feb 10, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: Bogleheads and Fast Food
Replies: 77
Views: 4444

Re: Free Food

denovo wrote:
dm200 wrote:I just printed a coupon for a FREE burger at Ruby Tuesday - says up to $9 value. I did that a few years ago - no catch. I did leave a cash tip, though.



got a link?

http://lmgtfy.com/?q=FREE+burger+at+Ruby+Tuesday
by Langkawi
Tue Jan 21, 2014 11:39 pm
 
Forum: Personal Consumer Issues
Topic: Free Food
Replies: 21
Views: 2434

Re: rate of interest

Pajamas wrote:http://qrc.depaul.edu/studyguide2009/notes/savings%20accounts/compound%20interest.htm

Not very helpful if you don't understand logarithms which I'm guessing the OP doesn't.
The answer is 13.44%
by Langkawi
Sat Jan 18, 2014 5:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: rate of interest
Replies: 4
Views: 275

Re: how does 'long term capital gains' work?

Only the actual shares you've held for a year and a day.
by Langkawi
Thu Jan 16, 2014 1:29 am
 
Forum: Investing - Theory, News & General
Topic: how does 'long term capital gains' work?
Replies: 12
Views: 782

Re: how does 'long term capital gains' work?

cheese_breath wrote:You have to hold the stock for one year in order to qualify for a long term gain. One day less than a year, and it's a short term gain.

That is incorrect. See FinancialDave's post right before yours.
by Langkawi
Thu Jan 16, 2014 1:21 am
 
Forum: Investing - Theory, News & General
Topic: how does 'long term capital gains' work?
Replies: 12
Views: 782

Re: Restrictions on Travel to Canada

For the past 5-6 years, Canadian immigration has had access to National Crime Information Database and has been able to routinely deny access to anyone who has ever been convicted of any crime in the U.S., whether that be a misdemeanor or a felony. Truly "Big Brother" in action. And getti...
by Langkawi
Thu Jan 09, 2014 4:11 pm
 
Forum: Personal Consumer Issues
Topic: Restrictions on Travel to Canada
Replies: 11
Views: 882

Re: Penfed NCUA Insurance

Well for example most brokerages cover above the SIPC limit. "In the rare case when an investor's losses exceed SIPC's limits, the difference usually is covered by brokers' supplemental insurance -- often provided by Lloyds of London or a new firm called CAPCO, the Customer Asset Protection Co...
by Langkawi
Wed Jan 08, 2014 4:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Penfed NCUA Insurance
Replies: 6
Views: 382

Re: What to do with previous employment HSA account?

Gnirk wrote:Ally Bank offers an HSA money market

Ally Bank does not offers HSAs.
by Langkawi
Tue Jan 07, 2014 5:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What to do with previous employment HSA account?
Replies: 10
Views: 439

Re: Beating the S&P with minimal taxes

The only way that my premise could be wrong would be: 1) If the S&P does not continue on a long term upward trend. Very unlikely based on past history. 2) If the investor does not stay disciplined and stay invested throughout the peaks and valleys. Don't forget the third item: 3) SSO behaves th...
by Langkawi
Mon Dec 09, 2013 1:25 am
 
Forum: Investing - Theory, News & General
Topic: Beating the S&P with minimal taxes
Replies: 46
Views: 2685

Re: New PenFed CD rates!

VictoriaF wrote:PenFed used to offer some great rates in January. Is December now a "New January" or even better rates are to be expected?

My guess is that we'll see an increase in the 7 year rate, but the 5 year rate will stay the same.
by Langkawi
Tue Dec 03, 2013 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: New PenFed CD rates!
Replies: 313
Views: 33208

Re: Confused about TSA "Pre" status

This article may be illuminating: http://www.nytimes.com/2013/11/26/business/precheck-meets-its-goal-and-prepares-to-expand.html THE Transportation Security Administration says it has met its goal of having 25 percent of air travelers using the speedy PreCheck security lanes by the end of this year....
by Langkawi
Sat Nov 30, 2013 11:00 pm
 
Forum: Personal Consumer Issues
Topic: Confused about TSA "Pre" status
Replies: 45
Views: 2435

Re: PenFed pulls a "fast one"

Besides being the last to know as winglessangel31 pointed out, you seem confused about which PenFed credit card you have. If you really had the "PenFed 5% cash back on gas purchases credit card", you would have been earning cash (statement credits), not points.
by Langkawi
Tue Nov 26, 2013 10:37 am
 
Forum: Personal Finance (Not Investing)
Topic: PenFed pulls a "fast one"
Replies: 8
Views: 2147

Re: Should I purchase older I-Bonds from my elderly mother?

Browser wrote:My elderly mother owns some I-Bonds purchased in 2005 through 2008 when the coupon was 2.39% (that's 2.39% above the inflation rate, currently 3.97% nominal).

No I Bond was ever issued with a fixed rate of 2.39%. The ones issued in 2005 through 2008 aren't even close.
by Langkawi
Thu Nov 14, 2013 9:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I purchase older I-Bonds from my elderly mother?
Replies: 36
Views: 1950

Re: Larry Swerdroe's column

Like always, it's his editor's fault.
by Langkawi
Fri Nov 08, 2013 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Larry Swedroe's column [Why divers. is the prudent strategy]
Replies: 7
Views: 1702

Re: google does math

jackpistachio wrote:I was aware that Google did math. The links you provided actually demonstrate that Bing can do math too.

Classic LH.
by Langkawi
Thu Nov 07, 2013 6:22 am
 
Forum: Personal Consumer Issues
Topic: google does math
Replies: 53
Views: 3865

Re: Would you put some of your bond money in the TBF?

Phineas J. Whoopee wrote:
rec7 wrote:

Only what I wanted to lose.

Notice I didn't say am willing. I said wanted.

Exactly. Going long the short ETF is not the same as going short the long ETF (e.g. TLT).
by Langkawi
Wed Nov 06, 2013 11:18 am
 
Forum: Investing - Theory, News & General
Topic: Would you put some of your bond money in the TBF?
Replies: 7
Views: 863

Re: Significance of ZipCode suffix

Does the envelope have a barcode on the bottom? If so, you can write whatever you want for the address, the barcode takes precedence.
by Langkawi
Sat Nov 02, 2013 10:26 pm
 
Forum: Personal Consumer Issues
Topic: Significance of ZipCode suffix
Replies: 12
Views: 1997

Ally CD Early Withdrawal Penalty changing Dec. 7

Will not impact existing CDs or new CDs opened before Dec. 7, 2103. New EWPs: 3 year CD: 90 days’ loss of interest 4 year CD: 120 days’ loss of interest 5 year CD: 150 days’ loss of interest http://www.depositaccounts.com/blog/2013/10/ally-bank-increasing-early-withdrawal-penalty-on-new-longterm-cds...
by Langkawi
Sat Oct 26, 2013 3:02 am
 
Forum: Investing - Theory, News & General
Topic: Ally CD Early Withdrawal Penalty changing Dec. 7
Replies: 19
Views: 2382

Re: Need advice on how to deal with Treasury Direct

Oh, there was some big change in the banking regulations maybe twenty years ago that transformed what credit unions can and can't do. It used to be that there was some sort of affinity factor and you needed to belong to something--typically, be an employee of a largish company--to qualify for an ac...
by Langkawi
Fri Oct 25, 2013 8:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Need advice on how to deal with Treasury Direct
Replies: 14
Views: 1008

Re: Want to have kids, scared of the financial consequences

Honobob wrote:
turbodiesel wrote:rents for a similar place in our neighborhood are now 50-75% above what we currently pay.

The landlord is subsidizing your rent by 50-75%.

Your math is wrong.
by Langkawi
Fri Oct 25, 2013 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Want to have kids, scared of the financial consequences
Replies: 95
Views: 6132

Re: Should I Pay Fees to Invest More of my HSA?

PaddyMac wrote:you don't pay taxes on the dividends

I think you missed the part where he said he's in CA.
by Langkawi
Fri Oct 25, 2013 5:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should I Pay Fees to Invest More of my HSA?
Replies: 11
Views: 961

Re: Help us with getting started with I-bonds

Grt2bOutdoors wrote:Buy the bonds before Oct. 31st and get the current 1.76% rate for the next 6 months

Current rate is 1.18%.
by Langkawi
Thu Oct 17, 2013 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help us with getting started with I-bonds
Replies: 11
Views: 739

Re: Free Kindle book "Are You a Stock or a Bond?"

I am not a stock or a bond. I am a person. Stocks and bonds are property. For many years I "had" a job, but I did not own my job. Jobs are not property. A bond is a contract. In my case, at least, I did not have an employment contract. Do you? Quite obvious why Barbara Walters has never i...
by Langkawi
Mon Oct 14, 2013 9:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: 5 Free Kindle books including 4 from Liz Weston
Replies: 11
Views: 2087

Re: Stay off the Ontario 407 ETR! [Electronic Toll Road]

LadyGeek wrote:Since you're out of province (like being a US driver), I suspect you got hit with the $21 CAD transponder leasing fee.

Hmmm...I would think it's the locals that would choose to lease a transponder.
by Langkawi
Fri Oct 11, 2013 6:23 pm
 
Forum: Personal Consumer Issues
Topic: Stay off the Ontario 407 ETR! [Electronic Toll Road]
Replies: 25
Views: 2480

Re: Buffett's Crisis-Lending Haul Reaches $10 Billion

stratton wrote:In another, "We can't invest like Warren Buffet" post...

It's also another "We can't spell Warren Buffett's name correctly despite cutting-and-pasting from an article" post.
by Langkawi
Mon Oct 07, 2013 9:47 pm
 
Forum: Investing - Theory, News & General
Topic: Buffett's Crisis-Lending Haul Reaches $10 Billion
Replies: 9
Views: 1087

Re: Lets Try... Please spot check my hypothetical muni purch

You need to add accrued interest to the purchase price.
by Langkawi
Mon Oct 07, 2013 5:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Lets Try... Please spot check my hypothetical muni purchase.
Replies: 11
Views: 714

Re: CD Ladder Confusion...

the penalty for early withdrawal at Barclays on a 5 year CD is 180 days simple interest but I don't really understand what that means. It means that if you withdraw before 5 years, you lose 1% (6 months of interest), but no more than the interest paid to date. That is not correct. At Barclays, if t...
by Langkawi
Mon Oct 07, 2013 4:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: CD Ladder Confusion...
Replies: 15
Views: 1739

Re: HSA reimb question

Think through what you are asking.
by Langkawi
Fri Oct 04, 2013 1:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA reimb question
Replies: 2
Views: 188

Re: Bhutan

Bhutan will be pricey because they have decided to go the low volume, high value tourism route rather than Nepal's high volume, low value route. The premium is worth it to many people, but the fact you seem to have a positive impression of Nepal may indicate that avoiding the riff-raff isn't a prior...
by Langkawi
Thu Oct 03, 2013 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Bhutan
Replies: 21
Views: 1934

Re: How much do I need to buy 0 coupon treasury from Vanguar

The minimum purchase is 1 bond, so about $600 for a STRIPS maturing in 2027.
Note that the bid-ask spread on STRIPS is significantly greater than on regular Treasury notes/bonds.
by Langkawi
Wed Sep 11, 2013 7:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: How much do I need to buy 0 coupon treasury from Vanguard?
Replies: 2
Views: 388

Re: Exchange of Tips to STInvestment Bonds

There is no loss of pro-rated interest when selling either individual TIPS or the Vanguard Inflation-Protected Securities Fund.

For individual TIPS, the buyer is responsible for paying accrued interest.
For the fund, since it goes ex-dividend, the accrued interest is already included in the NAV.
by Langkawi
Wed Sep 11, 2013 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Exchange of Tips to STInvestment Bonds
Replies: 3
Views: 446

Re: Decreasing Taxable Income! Very Confused.

mdb1986 wrote:I'm not close to retirement.

Last year, you told us you were a "a few months shy of 70.5"
http://www.bogleheads.org/forum/viewtopic.php?f=2&t=106773
by Langkawi
Wed Sep 11, 2013 2:46 pm
 
Forum: Personal Finance (Not Investing)
Topic: Decreasing Taxable Income! Very Confused.
Replies: 6
Views: 739

Re: California API: When is good enough, good enough?

The culture in the US celebrates mediocrity. The reality is there are no good and bad schools in the US, just different levels of bad. Even the "best" school shouldn't be considered good enough for your children and you will need to augment their education. This Wall Street Journal article...
by Langkawi
Sat Sep 07, 2013 3:28 pm
 
Forum: Personal Consumer Issues
Topic: [CA Academic Perf Index]: When is good enough, good enough?
Replies: 25
Views: 1692

Re: ADR dividend payments and ADR fees

It's pretty clear OP is taking about custody fees.
ADR custody fees are deductible on Schedule A but only to the extent that your "Job Expenses and Certain Miscellaneous Deductions" exceed 2% of AGI.
by Langkawi
Thu Sep 05, 2013 5:53 pm
 
Forum: Investing - Theory, News & General
Topic: ADR dividend payments and ADR fees
Replies: 4
Views: 452

Re: Why can't I get a "demand account" at Vanguard?

Bongleur, can you tell us why you care? Remember that this the guy who freaked out at receiving a rebate in the form of a prepaid card. http://www.bogleheads.org/forum/viewtopic.php?f=11&t=99625 Looking at the terms, I see this is just a sneaky attempt to involve me in an account which has mont...
by Langkawi
Fri Jul 26, 2013 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: Why can't I get a "demand account" at Vanguard?
Replies: 48
Views: 5782
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