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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: 1468

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: 3293

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: 1493

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: 2048

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: 3085

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: 281

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: 1924

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: 3651

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: 1913

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: 649

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: 1477

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: 1477

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: 1437

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: 627

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: 9637

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: 1628

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: 799

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: 204

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: 553

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: 2193

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: 15731

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: 6108

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: 15731

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: 1770

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: 969

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: 142

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: 5988

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: 859

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: 2478

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: 4743

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: 2511

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: 284

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: 793

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: 793

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: 892

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: 415

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: 446

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: 2703

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: 34955

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: 2550

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: 2322

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: 1963

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: 1726

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: 4054

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: 878
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