Search found 1071 matches

Return to advanced search

Re: Vanguard website has Yellow Triangle over lock

I tried it on my Mac with both Safari and Firefox -- no yellow triangle.

If you google something like "yellow triangle web page padlock" you'll find that others have the same experience with other websites. There are a lot of purported explanations for it.
by Stonebr
Fri Jan 30, 2015 10:45 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1886

Re: What mutual fund companies do you use?

Vanguard. My wife has an IRA and brokerage with Fidelity. In the past I've owned funds at: T. Rowe Price, USAA, CGM, Financial Services, Templeton, Mutual Series, Scudder, Value Line, United Services, Tocqueville, Tweedy Browne, Gabelli, Nvest, Loomis-Sayles, Davis Selected, SoGen, American Funds, T...
by Stonebr
Tue Jan 27, 2015 8:39 pm
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 2934

Re: Bank adviser did some terrible advising...Help please

I've talked to typical bank employees trying to sell this stuff and my take is that they are not crooks. What they are is dumb. They've had a one week training class and get a job title that makes them a glorified sales person -- a financial advisor. They are sincere, young, and wet behind the ears....
by Stonebr
Tue Jan 27, 2015 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bank adviser did some terrible advising...Help please
Replies: 25
Views: 1821

Re: ANNUITY is unaccaptable & not a good word

Friends, I feel as when I sent my first check to a mutual fund from a company called Vangaurd about 20 odd years back, not knowing whether I will ever see my money again. As it happens, over time I matured as an invester and learnt a little about managing my funds from this forum than any where els...
by Stonebr
Thu Jan 22, 2015 11:37 am
 
Forum: Investing - Help with Personal Investments
Topic: ANNUITY is unaccaptable & not a good word
Replies: 8
Views: 985

Re: Any care required for gold coin?

Above all NEVER clean it as that is the best way to get rid of all the value. You've given very good advice about handling collectible coins, but a gold eagle will retain essentially all of its value even if it's run over by a truck. The only exception might be some of the scarce dates like 1992.
by Stonebr
Wed Jan 21, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Any care required for gold coin?
Replies: 10
Views: 877

Re: Annuity Concerns

Generally speaking there are two kinds of annuity: 1) Good ones -- single premium immediate annuities or SPIAs, and 2) POISONOUS ones -- variable and indexed annuities and other complicated insurance products with hidden costs and guarantees that are difficult to understand, and punishing surrender ...
by Stonebr
Tue Jan 20, 2015 7:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuity Concerns
Replies: 8
Views: 721

Re: 5.6% stable value fund - what allocation?

There are some Stable Value funds with high guaranteed rates, usually invested years and years ago when bond yields were much higher. However, these funds seldom let new investors in, for fear of diluting the "old money" with new investments at today's much lower yields. I agree that you n...
by Stonebr
Sun Jan 18, 2015 2:41 pm
 
Forum: Investing - Theory, News & General
Topic: 5.6% stable value fund - what allocation?
Replies: 12
Views: 951

Re: What Movie Have You Recently Watched?

The Imitation Game. A great movie. +1. Saw it yesterday. Other recent: Wild -- very good, wonderful performance by Witherspoon The Theory of Everything -- very good, but for movies about scientists I thought The Imitation Game was better. It had a more focused story to tell, and the sequencing of s...
by Stonebr
Sun Jan 18, 2015 1:35 pm
 
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 477
Views: 56518

Re: HELP!!! with run amok investment board!

Your only recourse is to write to the board. They will continue business as usual if they don't hear from plan participants. Get your co-workers to chime in. The more people the board hears from, the more they will listen. It will also help to remind them of their fiduciary responsibility. I assume ...
by Stonebr
Thu Jan 15, 2015 7:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELP!!! with run amok investment board!
Replies: 25
Views: 3680

Re: Wellington Fund as primary retirement investment

She could do a lot worse. I've recommended this fund on two occasions to friends who either don't have the time or interest in hearing a long spiel on indexing. These folks have invested in Wellington, gone through the downturn of 2008-2009 and come back to thank me.

Also my wife owns it...
by Stonebr
Thu Jan 15, 2015 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wellington Fund as primary retirement investment
Replies: 29
Views: 4732

Re: Loss of water pressure when using hot water

Because the pressure change affects the whole house, you probably want to check the hot water tank itself. The fluctuation in temperature would also implicate the tank. If it, like the house, is 10 years old, you may be due for a new one. Here's a link to wikiHow with some info on troubleshooting lo...
by Stonebr
Wed Jan 14, 2015 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Loss of water pressure when using hot water
Replies: 24
Views: 2186

Re: Questioning the conventional logic on dividend reinvestm

I suspect that dividend reinvestment might make more sense for those in accumulation than those in distribution. We're retired and pulling money from investments. It makes no sense to reinvest dividends and then sell shares a month later. Much easier at tax time to not have to file Schedule D -- jus...
by Stonebr
Tue Jan 13, 2015 7:00 pm
 
Forum: Investing - Theory, News & General
Topic: Questioning the conventional logic on dividend reinvestment
Replies: 24
Views: 2209

Re: Would managed funds beat index funds IF...

It is likely that the pros do better than individuals, even though quite a few pros are simply mediocre dimwits. The better ones are not dimwits and they have all that expensive research and all those 12 hour days they put in at work. It does pay off, otherwise I don't know how anyone could argue th...
by Stonebr
Tue Jan 13, 2015 3:34 pm
 
Forum: Investing - Theory, News & General
Topic: Would managed funds beat index funds IF...
Replies: 34
Views: 2403

Re: What was your costliest investment mistake?

Getting locked into two real estate limited partnerships early in my investing life. Fortunately they were in an IRA so I could avoid complexities of tax reporting -- these were not leveraged RE investments so they were specifically structured for the IRA market by a big insurance company. These LPs...
by Stonebr
Tue Jan 13, 2015 3:17 pm
 
Forum: Investing - Theory, News & General
Topic: What was your costliest investment mistake?
Replies: 119
Views: 9633

Re: Help: Writing my first Investment Plan

I've had a written IPS for many years. It's gotten simpler over the years as I've learned more. It would fit on a 3x5 card. Basically, all it is is the asset allocation split between equity and fixed. There's a short mention of international. I used to have all kinds of detail about rebalancing band...
by Stonebr
Mon Jan 12, 2015 8:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help: Writing my first Investment Plan
Replies: 10
Views: 1156

Re: Why do you like to travel and AA question?

"Travel is fatal to prejudice, bigotry, and narrow-mindedness, and many of our people need it sorely on these accounts. Broad, wholesome, charitable views of men and things cannot be acquired by vegetating in one little corner of the earth all one's lifetime."

- Mark Twain
by Stonebr
Mon Jan 12, 2015 1:07 pm
 
Forum: Personal Consumer Issues
Topic: Why do you like to travel and AA question?
Replies: 16
Views: 1130

Re: Nova Scotia in early summer, camping, with dog?

Folk music Ceilidhs are fairly common and great entertainment -- Celtic fiddlers especially. Whale watching is superb both in the Bay of Fundy and out from Cape Breton Island. Also boat trips to see puffins. I recall a quirky tourist trap devoted to the Giant of Cape Breton, a guy who was 8 feet tal...
by Stonebr
Sun Jan 11, 2015 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Nova Scotia in early summer, camping, with dog?
Replies: 11
Views: 1634

Re: Home Energy Audit - worth it?

Here's a link to a page that summarizes some of the energy auditor certification programs. http://www.energycircle.com/learn/home-energy-audits/certification. You might want to try http://www.bpi.org to find a BPI certified building analyst in your area. The other professional designations are RESNE...
by Stonebr
Sun Jan 11, 2015 9:38 pm
 
Forum: Personal Consumer Issues
Topic: Home Energy Audit - worth it?
Replies: 22
Views: 2294

Re: Social Security and Pension Question:

A $95k annual income from COLA adjusted annuities is better than about 80% of American families. That gives you the freedom to do pretty much anything you want with your portfolio. The question then becomes, what is your sleeping point? That is, if you increase your equity holdings, are you going to...
by Stonebr
Sat Jan 10, 2015 11:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Social Security and Pension Question:
Replies: 36
Views: 3589

Re: Psychology vs. Fundamentals of investing

It's been a 10 year evolutionary process for me. Today I'm 100% indexed -- 3 fund. The downturn in 2008-9 gave me the opportunity to convert entirely to indexing. However, my wife still clings to GE stock that her grandmother gave her in 1988, and she still holds her IRA 100% in Fidelity Contrafund ...
by Stonebr
Sat Jan 10, 2015 11:17 am
 
Forum: Investing - Theory, News & General
Topic: Psychology vs. Fundamentals of investing
Replies: 61
Views: 4513

Re: Best online checking account

I just did a quick test. Ally gets me to real person faster than Capital One 360. Fidelity was slowest of all. I have an Ally checking account attached to the online savings and CDs. I've never actually talked to a machine at Ally. Every time I call, which admittedly is not very often, I get a pers...
by Stonebr
Sat Jan 10, 2015 9:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 4907

Re: 16 Vanguard funds on the "Money 50" list

I had no idea Money Magazine was still in business.
by Stonebr
Fri Jan 09, 2015 7:52 pm
 
Forum: Investing - Theory, News & General
Topic: 16 Vanguard funds on the "Money 50" list
Replies: 5
Views: 1122

Re: What's in your car emergency kit?

With winter weather here was wondering what do you keep in your car emergency kit (if you have one). I keep a flashlight, fix a flat spray, oil, small tool kit and jumper cables. I was thinking of adding a small air compressor or possibly an air compressor/power jumper combo. Is this overkill? What...
by Stonebr
Fri Jan 09, 2015 7:37 pm
 
Forum: Personal Consumer Issues
Topic: What's in your car emergency kit?
Replies: 52
Views: 4019

Re: UPF / Hot Weather Clothing

ThankYouJack wrote:Any recommendations on where to look other than REI?


LL Bean
by Stonebr
Fri Jan 09, 2015 4:59 pm
 
Forum: Personal Consumer Issues
Topic: UPF / Hot Weather Clothing
Replies: 8
Views: 911

Re: Transcendental meditation

I would steer clear of TM. Lots of ways to meditate without paying the big bucks. There are traditions that go back thousands of years that don't come with the high price tag. Your local adult education program may have something.
by Stonebr
Tue Jan 06, 2015 7:47 pm
 
Forum: Personal Consumer Issues
Topic: Transcendental meditation
Replies: 38
Views: 2298

Re: Mutual Series Fund - MQIFX - Time to Sell?

The latest annual report for Mutual Shares shows Microsoft and Apple as the two largest holdings. My first purchase of Mutual Shares was in 1982 when it was managed by Max Heine. Assets were only $129M. The fund had great success in its early days with distressed securities such as bankrupt railroa...
by Stonebr
Tue Jan 06, 2015 4:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual Series Fund - MQIFX - Time to Sell?
Replies: 13
Views: 1427

Re: Why not just follow John Bogle

I do it because I believe a slice and dice / tilted portfolio consisting of more value and additional asset classes such as REIT and Emerging Markets will outperform the three or four fund approach. I have tracked my annual returns against a simple benchmark (LifeStrategy funds and then Target Reti...
by Stonebr
Sat Jan 03, 2015 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Why not just follow John Bogle
Replies: 78
Views: 5920

Re: Low income and investing

The 2014 IRS rules are at:

http://www.irs.gov/Retirement-Plans/Pla ... ion-Limits

The way I understand it, you can contribute up to the lesser of $5,500 or your taxable compensation. From what you say, your taxable compensation is $1,400.
by Stonebr
Fri Jan 02, 2015 10:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low income and investing
Replies: 9
Views: 834

Re: Last year before retirement more about spending than sav

I don't think there is a normal. We didn't do anything special the year before retirement. Quite the opposite, we kept loading the 401k and IRAs to the max.
by Stonebr
Fri Jan 02, 2015 11:11 am
 
Forum: Investing - Help with Personal Investments
Topic: Last year before retirement more about spending than saving?
Replies: 38
Views: 1931

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2166.32
by Stonebr
Thu Jan 01, 2015 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 19751

Re: Professor Dumpster, a really tiny house.

Thanks. This makes my day. :happy
by Stonebr
Wed Dec 31, 2014 8:19 pm
 
Forum: Personal Consumer Issues
Topic: Professor Dumpster, a really tiny house.
Replies: 18
Views: 2472

Re: Home Brewing Beer

I brew about 3 to 4 batches a year, always 5 gallons and always electric stove top. It takes longer but then I don't have to own an additional appliance that is unused for 362 days a year. Like SD70 says, the 5 gallon batches are fairly easy to move around. I usually do first stage fermentation upst...
by Stonebr
Wed Dec 31, 2014 7:29 pm
 
Forum: Personal Consumer Issues
Topic: Home Brewing Beer
Replies: 12
Views: 1930

Re: Paul Merriman takes John Bogles $5.00 Bet!

I have no idea why one would complicate one's investments so much for the hope of greater return. 11 funds requires 11x the rebalancing, 11x the monitoring, 11x the stress, 11x the wonder if one is outperforming, and 11x the misery when one does not. I cannot outperform, underperform, rebalance, or...
by Stonebr
Wed Dec 31, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 7611

Re: Post your 2015 New Year's Resolutions ITT

I just did what I said I'd do on another thread --

I donated a few bucks to Bogleheads.org

Thanks, everyone for all your work.
by Stonebr
Wed Dec 31, 2014 4:21 pm
 
Forum: Personal Consumer Issues
Topic: Post your 2015 New Year's Resolutions ITT
Replies: 38
Views: 3497

Re: Evaluating if a lump sum pension is 'fair'

Lump sums are often a bad deal. Plans offer them because lots of people are too stupid to do the math, and they can get you off their books. You've done the math.
by Stonebr
Wed Dec 31, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating if a lump sum pension is 'fair'
Replies: 11
Views: 1071

Re: Happy new year - main goals

Donate a few bucks to Bogleheads.org

(this'll keep the thread alive for a while :happy )
by Stonebr
Wed Dec 31, 2014 3:54 pm
 
Forum: Personal Consumer Issues
Topic: Happy new year - main goals
Replies: 7
Views: 911

Re: Paul Merriman takes John Bogles $5.00 Bet!

Podcast is worth a listen, IMO. Merriman again puts all of his cards on the table. He is basing his opinions on 90 years of data. 90 years of data is not sufficient. To the poster above me - yes, Paul M. is extremely irritating to listen to. I've decided to put him in the "noise" category.
by Stonebr
Wed Dec 31, 2014 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 7611

Re: Paul Merriman takes John Bogles $5.00 Bet!

Sorry, I can't stand this guy's ponderous, pompous and pedantic delivery. I got about 8 minutes into it and just couldn't take it any more.
by Stonebr
Wed Dec 31, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Paul Merriman takes John Bogles $5.00 Bet!
Replies: 61
Views: 7611

Re: Another silly anti index article

I actually own three funds, two active and one passive, that trade along these lines of reducing downside risk. Their 2008 records: VFIAX -36.97% PRWCX -27.17% NSEIX -23.59% BRLIX -33.30% Over 10 and 15 years, the two active funds are ahead and the passive slightly behind (NSEIX/BRLIX results are p...
by Stonebr
Tue Dec 30, 2014 8:03 pm
 
Forum: Investing - Theory, News & General
Topic: Another silly anti-index article
Replies: 42
Views: 4089

Re: Do you read online reviews?

For contractors I talk to neighbors and keep an eye out for those little trucks they drive. Who does what. Chimney guys, roof people, plumbers. "Nice roof! Did you like they way they treated you?" When we did our oil to gas conversion last year I went to the Weissmann and Bosch/Buderus web...
by Stonebr
Tue Dec 30, 2014 6:26 pm
 
Forum: Personal Consumer Issues
Topic: Do you read online reviews?
Replies: 26
Views: 1659

Re: Small Cap question

how do they treat companies that grow into large cap? Does the fund divest from companies once they hit a certain market cap? If so, does that volatility make small/mid cap funds less tax efficient (as compared to a more stable fund of blue chips)? Thanks Yes, there's a tiny bit of portfolio turnov...
by Stonebr
Tue Dec 30, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: Small Cap question
Replies: 3
Views: 583

Re: Morley Stable Value

What is the current credited rate on the stable value account? That is, what rate do you earn after they take their expense charge? That's really the only thing you should care about. That, along with credit quality.
by Stonebr
Mon Dec 29, 2014 8:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Morley Stable Value
Replies: 4
Views: 559

Re: Don't be tempted to buy your teen a cheap (old) car, par

Click & Clack of Cartalk once gave advice on this issue. What they suggested is to get your kid an old Volvo or Saab for the following reasons: 1. Old Volvos and Saabs are fairly safe. 2. Old Volvos and Saabs are not only boring to look at, they are virtually impossible to turn into hotrods. 3. ...
by Stonebr
Mon Dec 22, 2014 2:54 pm
 
Forum: Personal Consumer Issues
Topic: Don't be tempted to buy your teen a cheap (old) car, parents
Replies: 139
Views: 11622

Re: How to make a long bet on Crude Oil

Think outside the box: buy a fuel efficient car, swap out your furnace for high efficiency, insulate and air seal your home like crazy.
by Stonebr
Sun Dec 21, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How to make a long bet on Crude Oil
Replies: 28
Views: 2626

Re: Your Favorite Cookbook?

Excellent for Vegetarians: Jack Bishop - The Complete Italian Vegetarian Cookbook.
by Stonebr
Thu Dec 18, 2014 8:32 pm
 
Forum: Personal Consumer Issues
Topic: Your Favorite Cookbook?
Replies: 68
Views: 5674

Re: What's your withdrawal rate for 2014?

A hair over 3%. We are in the waiting period between retirement and claiming Social Security at 70.
by Stonebr
Thu Dec 18, 2014 8:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: What's your withdrawal rate for 2014?
Replies: 26
Views: 2714

Re: 401K getting better - should I front-load contributions?

If you can afford it, why not? I used to "front load" my IRA contributions by sending them off in January as soon as legally possible. Based on past history, the longer you're in the market the more total return you get through compounding -- on average. Front loading gives you more time i...
by Stonebr
Thu Dec 18, 2014 8:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K getting better - should I front-load contributions?
Replies: 1
Views: 368

Re: Evaluating a stable value fund

Two key questions would involve the transfer restrictions that are mentioned and whether all purchases and redemptions are at a stable unit price of $1.00. With an average maturity of 11.9 years, the portfolio value could drop significantly if rates rise. Stable Value funds maintain a market to boo...
by Stonebr
Wed Dec 17, 2014 6:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating a stable value fund
Replies: 8
Views: 1093

Re: Evaluating a stable value fund

1) The vehicle should carry contracts with multiple, high-quality insurers: insurers carrying a rating of at least AA or the equivalent from one of the major rating agencies. 2) More than 90 percent of the portfolio should be covered with insurance contracts. 3) At least 90 percent of the vehicle’s...
by Stonebr
Wed Dec 17, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Evaluating a stable value fund
Replies: 8
Views: 1093

Re: Taking advantage of 15% tax bracket

barnaclebob wrote:You'll want to make sure you don't violate wash sale rules but they may only apply to a purchase and then sale within 30 days.


I thought wash sale only applied to capital loss.
by Stonebr
Wed Dec 17, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Taking advantage of 15% tax bracket
Replies: 6
Views: 1113
Next

Return to advanced search