Search found 5806 matches

Return to advanced search

Re: Is Capital Loss on Premium Bonds Reflected in Pricing?

it doesn't really work that way. You are generally not going to be able to take a capital loss because the cost basis of the bond will adjust downward (amortize downward) over time. It's possible if interest rates spike and you sell before maturity that you might be able to take a capital loss. But...
by grok87
Sat May 18, 2013 12:27 am
 
Forum: Investing - Theory, News & General
Topic: Is Capital Loss on Premium Bonds Reflected in Pricing?
Replies: 10
Views: 264

Re: Is Capital Loss on Premium Bonds Reflected in Pricing?

Thanks, Grok. Yes, I was talking about munis, and the reason the question arose is because I was recently looking at an offering that was just the situation you described: a choice between two Cal GO bonds maturing on the same date, one with a 3% coupon and one with a 5% coupon, and both supposedly...
by grok87
Fri May 17, 2013 11:54 pm
 
Forum: Investing - Theory, News & General
Topic: Is Capital Loss on Premium Bonds Reflected in Pricing?
Replies: 10
Views: 264

Re: opinion on cd

Hi, i ;m looking at a breakable 10 year cd at 1.95 from discover bank. their fine print says to break it early is 15 months of interest . any opinions In general you want to make sure, in the fine print, that you have the right to break the cd. Some banks have weasel words in their disclosure that ...
by grok87
Fri May 17, 2013 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: opinion on cd
Replies: 8
Views: 309

Re: Is Capital Loss on Premium Bonds Reflected in Pricing?

Apologizing in advance if my question displays too much ignorance, but I was wondering whether purchasing an existing-issue bond at a premium and holding it to maturity will result in a capital loss at the time it matures, and if so, whether this factor is generally priced into the premium of the b...
by grok87
Fri May 17, 2013 10:21 pm
 
Forum: Investing - Theory, News & General
Topic: Is Capital Loss on Premium Bonds Reflected in Pricing?
Replies: 10
Views: 264

Re: Christine Benz picks the time for pickers

I can prove that today's market is a stock picker's market. In the Bogleheads Hedge Fund contest ( http://libra-investments.com/hf/bh.html ), participant "Mudpuppy" has picked a stock that is up 142.1% for the year. That was a good one to pick. Mudpuppy is handily beating the benchmark (V...
by grok87
Fri May 17, 2013 10:02 pm
 
Forum: Investing - Theory, News & General
Topic: Christine Benz picks the time for pickers
Replies: 14
Views: 1879

Re: Grok's tip #7: Skip foreign bonds!

Since we are making predictions
:)
I predict the foreign developed hedged bond fund will have a yield of 1.4% and a duration of 6.75%
by grok87
Fri May 17, 2013 9:51 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #7: Skip foreign bonds!
Replies: 131
Views: 19442

Re: Grok's tip #7: Skip foreign bonds!

Grok, On the topic of tip #7, is Vanguard's decision to include foreign bonds in TR funds justified? Thanks, Brad Hi Brad, It's a good question. I'm kind of waiting for the fund to come out and see the stats before I do some more analysis on the issue. I think the EM USD fund is out so presumably t...
by grok87
Fri May 17, 2013 9:21 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #7: Skip foreign bonds!
Replies: 131
Views: 19442

Re: Selling NQ Stock Options & Tax Brackets

You have to use the treasury rate that's equivalent to your time remaining. 10 yr treasuries are at 1.97% right now. I think I modified that down to ~1.8% to get to a 9 year estimate. Also, the denominator is the ratio - 1 so in your example it is now 0.375 not 1.375 Agree. So the formula math is: ...
by grok87
Thu May 16, 2013 11:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Selling NQ Stock Options & Tax Brackets
Replies: 29
Views: 643

Re: Great new Amazon delivery option

One of the issues with ordering things delivered by UPS or FedEx, is the issue with packages being left on porches, etc. Amazon usually uses UPS, in my experience. I just ordered (and received yesterday) something in a small package (size of a hardback book), and used the new delivery address that ...
by grok87
Thu May 16, 2013 10:46 pm
 
Forum: Personal Consumer Issues
Topic: Great new Amazon delivery option
Replies: 17
Views: 2068

Re: Grok's tip #14: Avoid long-term corporate bonds

jginseattle wrote:Only short-term credits have sufficiently rewarded investors. But, as Ilmanen says, they're risky with the worst losses occurring during bad times.

Agree.
by grok87
Thu May 16, 2013 10:41 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Re: Grok's tip #14: Avoid long-term corporate bonds

Question to Grok: why do you think does Jack Bogle recommend intermediate to long corporate bonds? Hi Munir, I was not aware that he recommended long corporate bonds. Do you have a source/reference? cheers, Hi grok, I did a quick forum search. Here's a recent thread: Bogle again calls for a total c...
by grok87
Thu May 16, 2013 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Re: Grok's tip #14: Avoid long-term corporate bonds

Hi, Munir, I don't think Jack Bogle went so far as to recommend long corporates. He's been advocating a true corporate index fund and he's advocated an institutional share class of intermediate corporates specifically. I think Grok is talking about true long bonds; for example, the estimated durati...
by grok87
Thu May 16, 2013 10:22 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Re: Grok's tip #14: Avoid long-term corporate bonds

Thank you grok! Very timely and useful IMO! Hope this will be an interesting thread and I recently was wondering under what cases would folks here recommend investing in these. Regarding reasons - Swensen, in his book, describes why to avoid any corporate bonds, and one basic reason is that it is n...
by grok87
Thu May 16, 2013 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Re: Grok's tip #14: Avoid long-term corporate bonds

Munir wrote:Question to Grok: why do you think does Jack Bogle recommend intermediate to long corporate bonds?

Hi Munir,
I was not aware that he recommended long corporate bonds. Do you have a source/reference?
cheers,
by grok87
Thu May 16, 2013 9:59 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Grok's tip #14: Avoid long-term corporate bonds

Grok's Tip #14: Avoid long-term corporate bonds It's a tough fixed income investing environment out there, no question. Bond yields are brutally low with the 10 year treasury yield under 2% and t-bills yielding 0%. There has been a lot of talk about corporate bonds, and in particular some may think ...
by grok87
Thu May 16, 2013 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's tip #14: Avoid long-term corporate bonds
Replies: 13
Views: 1462

Re: Emerging Market Bond Fund is available

Article does not say anything about "current yield". I guess they would not have that number until they'd actually start buying bonds. But without having that number, we don't know what is the potential "reward" is in "risk / reward" equation. For a SWAG I would guess ...
by grok87
Wed May 15, 2013 10:56 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 75
Views: 4133

Re: Emerging Market Bond Fund is available

Article does not say anything about "current yield". I guess they would not have that number until they'd actually start buying bonds. But without having that number, we don't know what is the potential "reward" is in "risk / reward" equation. For a SWAG I would guess ...
by grok87
Wed May 15, 2013 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Emerging Market Bond Fund is available
Replies: 75
Views: 4133

Re: Does this bother you also?

I was speaking with a high school student the other day who mentioned one of the projects in his consumer ed class was to evaluate the students stock picking abilities. Each student was given $100,000 in fake money to see what they could earn by picking stocks over a 3 month period. They are graded...
by grok87
Sun May 12, 2013 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Does this bother you also? [Stock picking contest]
Replies: 24
Views: 1346

Re: Grok's Tip #11: Take Grok's pledge!

3) I've read a few of Larry's books. I think he's great. I found this article really interesting. http://www.nytimes.com/2011/12/24/your-money/stocks-and-bonds/taking-a-chance-on-the-larry-portfolio.html?_r=0 Larry has talked about this before on this board. I think he calls it his "minimize f...
by grok87
Tue May 07, 2013 11:22 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #11: Take Grok's pledge!
Replies: 153
Views: 14552

Re: Grok's Tip #11: Take Grok's pledge!

I miss on 3, 5, and 8. 3- I am 90% equities. Target date funds seem like they are 10-12% equities, so I mirrored that. I hear you. I understand what you are saying. I based my AA on Larry Swedroe's books and my need for risk due to a late start. I plan on re-evaluating my AA annually. I have re-eva...
by grok87
Tue May 07, 2013 10:05 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #11: Take Grok's pledge!
Replies: 153
Views: 14552

Re: Grok's Tip #11: Take Grok's pledge!

Grok’s Tip #11: Take Grok’s pledge. 1) I will index at least half of my equities. 2) I will own some international equities. 3) I will own at least 20% bonds in my portfolio. 4) I will avoid funky bonds like junk bonds, convertibles, structured CDs, etc. (Take your risk on the equity side!) 5) I wi...
by grok87
Tue May 07, 2013 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Grok's Tip #11: Take Grok's pledge!
Replies: 153
Views: 14552

Re: Jason Zweig on Financial Literacy Education

So taking Taleb's approach- sure all the formal academic stuff is pretty useless but that goes for many so called academic disciplines. It is actually THIS BOARD- THE BOGLEHEADS and others like it (not many i don't think) that exemplify what financial literacy is all about. We are the model that wo...
by grok87
Mon May 06, 2013 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig on Financial Literacy Education
Replies: 31
Views: 2138

Re: Jason Zweig on Financial Literacy Education

Don’t get me wrong. We’d all be better off if everyone were more financially literate, and some fin-lit programs undoubtedly work. But you could easily argue that technological literacy and medical literacy are at least as important to people’s well-being as financial literacy is. Even so, most of ...
by grok87
Sun May 05, 2013 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Jason Zweig on Financial Literacy Education
Replies: 31
Views: 2138

Re: Glimmerblocker- do you use it?

However, Safari > Preferences > Security > "Block pop-up windows" box checked seems to have worked for me! This is great! I guess I spoke too soon. It only helped for a day.... :( Exactly. That's why i'm considering glimmerblocker. I guess I'm still interested in hearing from others who u...
by grok87
Sun May 05, 2013 8:09 pm
 
Forum: Personal Consumer Issues
Topic: Glimmerblocker- do you use it?
Replies: 15
Views: 1490

Re: LadyGeek -- the next 10K poster!

Thanks LadyGeek for all your hard work!
by grok87
Sat May 04, 2013 10:44 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: LadyGeek -- the next 10K poster!
Replies: 27
Views: 1651

Re: Glimmerblocker- do you use it?

Glimmerblocker is pretty great software -- unobtrusive and solid, and I only notice it when I'm on a computer that doesn't have it. That said...it does great for ad-blocking, but it's less than perfect for pop-up blocking. I've had no adverse effects since installing it, and it's free...if I were y...
by grok87
Sat May 04, 2013 7:38 am
 
Forum: Personal Consumer Issues
Topic: Glimmerblocker- do you use it?
Replies: 15
Views: 1490

Re: Glimmerblocker- do you use it?

retiredjg wrote:I get the MacKeeper ads every time I look at TV Listings. Very annoying.

Yep. Very annoying. Apparently MacKeeper is a pretty nasty outfit.
by grok87
Fri May 03, 2013 10:05 am
 
Forum: Personal Consumer Issues
Topic: Glimmerblocker- do you use it?
Replies: 15
Views: 1490

Re: Glimmerblocker- do you use it?

I can't comment on Glimmerblocker, but under Safari > Preferences > Security do you have the "Block pop-up windows" box checked? I do, and never get pop-up ads except when I've unchecked it occasionally for particular access. THanks- yes I do have that checked and still get the annoying M...
by grok87
Thu May 02, 2013 10:14 pm
 
Forum: Personal Consumer Issues
Topic: Glimmerblocker- do you use it?
Replies: 15
Views: 1490

Glimmerblocker- do you use it?

So I've gotten fed up with the MacKeeper pop-up ads on the Mac. Glimmerblocker supposedly takes care of this? Does anyone use it? Is it legitimate?
thanks
Grok
by grok87
Thu May 02, 2013 8:07 pm
 
Forum: Personal Consumer Issues
Topic: Glimmerblocker- do you use it?
Replies: 15
Views: 1490

Re: structured cd

Be sure to check the forum thread: Grok's Tip#9: To Manage Risk Well, Use a Bar-Bell (Consider starting a new thread, as it will take you down a completely new path.) i looked at this thread. done when interest rates were higher. in this super low interest rate environment not sure buying a 5 year ...
by grok87
Wed May 01, 2013 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: structured cd
Replies: 29
Views: 817

Re: Which of the Alternative Assets have best valuation metr

Other alternatives to consider are carry trade, merger arbitrage, MOM (though IMO best to include in a fund that is focused on other assets/factors) Larry Larry, What is your opinion on the carry trade? I guess, following your argument, I have a somewhat naive view (not having crunched the numbers)...
by grok87
Mon Apr 22, 2013 9:40 pm
 
Forum: Investing - Theory, News & General
Topic: Which of the Alternative Assets have best valuation metrics?
Replies: 39
Views: 1464

Re: Saving for down payment for house

For the CD scenario, wouldn't it be an after tax rate of 1.33% over TWO years, so annual yield would be 0.67%? well the total interest for the two year period (not annualized) is 2.7% and after the six month penalty it is 2.03%, then after tax (multiply by 0.67) it is 1.33%- again not annualized bu...
by grok87
Sun Apr 21, 2013 3:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for down payment for house
Replies: 3
Views: 668

Re: Saving for down payment for house

I know this topic has come up in the past, but wanted an update in the current economic environment. I'm in the 33% tax bracket and in my early 30s. I am maxing out my 401K/retirement investments and my emergency short-term fund is funded. I want to save now toward a home down payment sometime in 2...
by grok87
Wed Apr 17, 2013 10:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Saving for down payment for house
Replies: 3
Views: 668

Re: Charles Ellis says stay out of bonds

longview wrote:One thing that doesn't get discussed in the "run from bonds" scenarios is deflation. Deflation can still give bonds some real return. (I know everyone thinks it is impossible now -- but we were very scared of it a few years ago.).

good point
by grok87
Tue Apr 16, 2013 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 9720

Re: Duration and Yield of Vanguard's New Int'l Bond Index Fu

Yes, but does the Barclays Index exist now, or is that something new being created for the Vanguard fund? If it exists now, where can I find it's duration and yield? I could not find it on Barclays website. I think the index is created for Vanguard. It's tailored to Vanguard's specific needs/wants:...
by grok87
Sun Apr 14, 2013 9:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Duration and Yield of Vanguard's New Int'l Bond Index Fund
Replies: 7
Views: 833

Re: Charles Ellis says stay out of bonds

While the ability to break a CD is an interesting option and while all our CDs are breakable, I am going to go out on a limb and predict that in the next 20 years there will never be a time when breaking a CD in order to buy a new one will make financial sense. I make that prediction based on my ex...
by grok87
Sat Apr 13, 2013 7:32 pm
 
Forum: Investing - Theory, News & General
Topic: Charles Ellis says stay out of bonds
Replies: 122
Views: 9720

Re: Real Estate Lawyer recommendation- Northern NJ

grok87 wrote:So I was hoping I could get recommendations for a lawyer for a real estate transaction in Northern NJ. Anybody deal with this recently and have somebody that was good (and relatively cheap)?
thanks

Bump.
by grok87
Fri Apr 12, 2013 9:12 am
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Lawyer recommendation- Northern NJ
Replies: 2
Views: 227
Next

Return to advanced search