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Re: IBM: Stock Buybacks Gone Wrong?

Well I don't believe a buyback is a dividend, or a form of dividends , or like a dividend. It is an investment. You are certainly entitled to your beliefs. However, if you wish to align your beliefs with facts, you may find this lecture by Aswath Damodaran to be useful. http://youtu.be/f8UMSWAihnc
by Langkawi
Tue Oct 21, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: IBM: Stock Buybacks Gone Wrong?
Replies: 65
Views: 3795

Re: Penfed CDs up rates

[OT comments removed by admin LadyGeek]
by Langkawi
Thu Oct 02, 2014 9:13 pm
 
Forum: Investing - Theory, News & General
Topic: Penfed CDs up rates
Replies: 11
Views: 3012

Re: Savings account interest rate increase (!)

jasc15 wrote:Now that you mention it I notice 0.75% on my Capital One 360 accounts, where I think it was 0.70% not long ago. It could be your suggestion of the change that makes me see it, however.

The rate has held steady at 0.75% since the Feb. 2013 name change from ING Direct to Capital One 360.
by Langkawi
Wed Oct 01, 2014 11:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Savings account interest rate increase (!)
Replies: 7
Views: 1427

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

WHL wrote:I didnt miss anything. I asked for the post to be clarified.

Thanks for not helping.

[OT comment removed by admin LadyGeek]
by Langkawi
Mon Sep 15, 2014 1:11 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4034

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

WHL wrote:
amfox1 wrote:The raw, unrounded figure under the 401(k) law rose to $17,820 for 2014, so it is almost assured that the 401(k) limit will increase to $18k for 2015 as it would only require an annual COLA increase of 1.01%.


Care to elaborate on this?

Perhaps you missed the "raw, unrounded" part.
by Langkawi
Mon Sep 15, 2014 12:50 am
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 30
Views: 4034

Re: Alibaba - how is style determined

Interestingly enough, Aswath Damodaran agrees with the valuation:
http://aswathdamodaran.blogspot.com/2014/09/alibabas-coming-out-party-valued-right.html
by Langkawi
Sun Sep 14, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Alibaba - how is style determined
Replies: 14
Views: 1344

Re: Why is WMT not in top 10 holding in VTSAX

You are exactly right. About ten years ago, S&P decided to adjust their weightings based on free float. Here's a relevant article:
http://www.bloomberg.com/apps/news?pid=newsarchive&sid=atbHmb_7aLqk
by Langkawi
Thu Sep 11, 2014 2:26 am
 
Forum: Investing - Theory, News & General
Topic: Why is WMT not in top 10 holding in VTSAX
Replies: 3
Views: 763

Re: How much do investors care about social impact?

Thank you Leonard for exposing counterparties now and in the past. I can imagine they may become targeted by SRI/ESG investors for transparency in the same way that supply chains have already been exposed for many companies. Can you point us to a some good research or articles on how this works? LO...
by Langkawi
Wed Sep 10, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: How much do investors care about social impact?
Replies: 32
Views: 1420

Re: How much do investors care about social impact?

mwm158 wrote:Why are there so many threads about this lately?

Because the initial threads draw the scammers and spammers out of the woodwork.
by Langkawi
Tue Sep 09, 2014 3:28 pm
 
Forum: Investing - Theory, News & General
Topic: How much do investors care about social impact?
Replies: 32
Views: 1420

Re: New 2% cash back Mastercard from Citi

mikep wrote:Costco only takes AMEX. So I would still need one, may as well use Fidelity 2% AMEX over the Costco 1% AMEX.

You can buy Costco Cash Cards from Costco.com with Visa/MasterCard/Discover, then use the cash card at the physical Costco store.
by Langkawi
Fri Aug 29, 2014 1:34 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 232
Views: 27089

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 Buffett and the S&P index fund
Replies: 23
Views: 1786

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: 2182

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: 1423

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: 2853

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: 1423

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: 121
Views: 51714

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: 121
Views: 51714

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: 2352

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: 1499

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: 99
Views: 10302

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: 99
Views: 10302

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: 3898

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: 1250

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: 965

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: 965

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: 99
Views: 10302

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: 27
Views: 3380

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: 1834

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: 534

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: 115
Views: 9613

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: 1552

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: 3466

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: 1564

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: 2159

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: 3345

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: 287

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: 1999

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: 3792

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: 2054

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: 709

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: 1596

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: 1596

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: 1621

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: 655

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: 10002
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