Search found 644 matches

Return to advanced search

Re: Bond fund, why such high returns?

Is an EU gov't bond index fund. I am assuming you are residing in Europe since you can't normally purchase UCITS in the US. The return looks reasonable since the short rates in Europe is now negative.
by hlfo718
Wed Oct 22, 2014 11:48 am
 
Forum: Investing - Help with Personal Investments
Topic: Bond fund, why such high returns?
Replies: 13
Views: 1627

Re: Could someone explain this bond fund's maturity measures

M* also has wrong top countries since the fund actually has a ton of non US. Based on my understanding of some Pimco bond funds, they had been short treasury futures and long a bunch of long-term emerging markets bonds to offset most of the negative duration. But some funds have reshuffled the holdi...
by hlfo718
Wed Sep 17, 2014 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Could someone explain this bond fund's maturity measures
Replies: 6
Views: 413

Re: Wall Street Journal Subscription Increase

Were you paying the intro price of $39 and is now around $79 or $119? I dropped it two years ago and don't miss it. Now they constantly email me with offers, no thanks.
by hlfo718
Fri Jul 25, 2014 2:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2504

Re: Accounting for savings... with negative basis?

When you sell, part of the proceeds is from cost and remaining is gain/loss. Just go to your tax section in the brokerage account and they should have realized gain/cost figures for you.
by hlfo718
Fri Jul 25, 2014 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Accounting for savings... with negative basis?
Replies: 4
Views: 702

Re: Susie Orman says buy individual Munis instead of Bond fu

Don't forget her stock picks of buying high dividend paying stocks yielding 5-7%. What!!!???
by hlfo718
Thu Jul 24, 2014 9:17 am
 
Forum: Investing - Theory, News & General
Topic: Susie Orman says buy individual Munis instead of Bond funds
Replies: 15
Views: 2974

Fixed Income Attribution

Just wondering what is the most effective way/system of breaking down fixed income return relative to its benchmark into two components, Duration, and Credit? For example, with rates rising in 2013, a shorter duration portfolio relative to its benchmark should have outperform. But instead it under p...
by hlfo718
Fri Jun 27, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Attribution
Replies: 0
Views: 143

Re: Alternative to Broker Sold Municipal Bond Fund

I think there is something wrong with the JH fund average maturity number. Seems high relative to the Duration.
by hlfo718
Tue Jun 24, 2014 3:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Alternative to Broker Sold Municipal Bond Fund
Replies: 10
Views: 562

Re: If Harvard invested in Vanguard...

You should go check out this article about Yeshiva's endowment. Makes Harvard look like Warren Buffet.

http://www.businessinsider.com/yeshiva- ... ses-2014-6
by hlfo718
Fri Jun 20, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5354

Re: Do you see profit or ponzi?

Does it have an independent custodian to hold the assets and an annual report audited by one of the national audit firms? Maybe you should even contact the SEC to report this matter. While you are lucky to not have invested, others weren't so.
by hlfo718
Thu Jun 19, 2014 12:38 pm
 
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 10752

Re: Passive investing affecting market efficiency

Greed will prevent this from happening so no point of speculating. Traditional fund shops and managers make tons of money and don't forget the hedge fund guys who will charge you incentive fees to under perform.
by hlfo718
Thu May 15, 2014 11:06 am
 
Forum: Investing - Theory, News & General
Topic: Passive investing affecting market efficiency
Replies: 9
Views: 909

Re: Serious IE/Adoble Threat

Still using firefox, much faster than IE.
by hlfo718
Tue Apr 29, 2014 11:50 am
 
Forum: Personal Consumer Issues
Topic: Serious IE/Adobe Threat
Replies: 10
Views: 1127

Re: Invest in IPO or stick with index fund strategy exclusiv

FB did drop about 50% after the IPO so you could have made more money by buying after the IPO. I think you are referring to Alibaba's IPO. My co-worker invested in the shares last year and is up about 400% since then. At this point he is looking to dump the shares, not buy more. With all the hype fr...
by hlfo718
Tue Apr 29, 2014 9:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Invest in IPO or stick with index fund strategy exclusively?
Replies: 21
Views: 1808

Estate Planning Lawyer

Hi, Looking to have a lawyer put together a living revoc trust but don't know how to find an experienced and trust worthy lawyer in NYC. Any particular area where I can find a few so wife and I can meet with and see who we are comfortable with? Also, any idea what the cost will be, $1,000 - $1,500 r...
by hlfo718
Tue Apr 15, 2014 1:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Lawyer
Replies: 8
Views: 1336

NYC Comic Con

Just wondering if any one attended the NYC Comic Con before? Looking to bring my 2 year old nephew there since he LOVES the Avengers. Any idea how much the tix are and is it a mad house on weekends vs weekday?

Thank you
by hlfo718
Fri Apr 11, 2014 1:20 pm
 
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 893

Re: Bad fund options with "Fidelity Advisor"

Can you ask HR or owner to switch plans? I hope the owner is not getting a kick back on the load. I worked for a small firm where we also had the SEP plan. The person who set that up was friends with the broker. Once the firm got bigger we switched to schwab. I would ask to switch first. If no go th...
by hlfo718
Thu Mar 06, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bad fund options with "Fidelity Advisor"
Replies: 4
Views: 483

Re: Buying shoes at COSTCO

I recently purchased a pair of Dickie's sneaker/shoe from Costco's site for $20. But only after 2 month's wear, it ripped. The good thing about Costco is its return policy. I just returned them last weekend and received my refund. The shoes were comfortable enough but I guess the glue came off. I de...
by hlfo718
Tue Feb 11, 2014 12:51 pm
 
Forum: Personal Consumer Issues
Topic: Buying shoes at COSTCO
Replies: 14
Views: 3326

Re: Better understanding of portfolio performance calculatio

I am not an expert but there are two wildly accepted ways to "measure" performance. One is time weighted, which excludes flows. This method allows you to compare to a fund's return since that is what they use. The other is IRR or investor's rate of return, which does take into consideratio...
by hlfo718
Tue Feb 11, 2014 10:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Better understanding of portfolio performance calculations?
Replies: 3
Views: 349

Re: Upgrade baseboard heaters?

My experience with baseboard heating is that it is adequate if the temp outside doesn't drop below 40. Once below that point it just doesn't do enough to circulate the hot water to warm up the house. I recalled using the oven to supplement when it was really cold out on top of an electric heater. I ...
by hlfo718
Wed Jan 08, 2014 3:21 pm
 
Forum: Personal Consumer Issues
Topic: Upgrade baseboard heaters?
Replies: 35
Views: 1821

Re: How are Vanguard fund managers paid?

The compensation is explained in the SAI but no actual amount is listed for each manager since is mainly a group thing. The description is on page B-40. The comp consists mainly of base, bonus, long term incentive comp and pension.
by hlfo718
Tue Jan 07, 2014 9:14 am
 
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 1748

Re: Thoughts on Net Worth Concentrated with One Mutual Fund

The SEC mandates an independent custodian to safeguard the assets of the fund(s), so you don't have to worry about Madoff type of fraud. Essentially you have about half a dozen major players in the custody world for mutual funds, State Street, Citi, JPMorgan, Brown Brothers, Bank of NY and maybe a s...
by hlfo718
Fri Jan 03, 2014 3:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Net Worth Concentrated with One Mutual Fund Comp
Replies: 11
Views: 904

Re: [Confused about bonds - need help with portfolio]

Start reading the books from this link. You can go to your local library and save a few bucks. http://www.bogleheads.org/wiki/Books:_R ... t-up_Books
by hlfo718
Fri Jan 03, 2014 3:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 607

Re: New to Vanguard, cost explanation please?

No fee if your money is directly with Vanguard. If you are using a broker like Fidelity or Schwab they will charge a commission to buy and sell.
by hlfo718
Fri Jan 03, 2014 2:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard, cost explanation please?
Replies: 5
Views: 586

Re: Thoughts on Net Worth Concentrated with One Mutual Fund

Do a search on this topic, many discussions over the years. You can also look at Wiki. Vanguard doesn't hold the assets, the custodians do.
by hlfo718
Fri Jan 03, 2014 2:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Net Worth Concentrated with One Mutual Fund Comp
Replies: 11
Views: 904

Re: [Confused about bonds - need help with portfolio]

You are more scared of US bonds because it went down 2% last year and S&P went up 30%? What did you do in 2008 when S&P was down 36% and treasuries were up? I think you and husband need to read a few books on asset allocation before deciding. Once you have finished reading then come back and...
by hlfo718
Fri Jan 03, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 607

Steve Vernon and Allan Roth

What happened to their blogs? Did Marketwatch discontinued all the bloggers?
by hlfo718
Thu Jan 02, 2014 3:07 pm
 
Forum: Investing - Theory, News & General
Topic: Steve Vernon and Allan Roth
Replies: 3
Views: 570

Re: ? Private Arrangement for a 6% Annuity/private loan

Is this 6 percent a month? If so is very likely a ponzi scheme. Not possible to pay 72 pct a year in int and still be profitable.
by hlfo718
Sun Dec 22, 2013 11:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: ? Private Arrangement for a 6% Annuity/private loan
Replies: 12
Views: 654

Re: Re Seeking Alpha registration issue

I opened the SA account over 2 years ago and haven't received any junk mail from them so is not a painful process.
by hlfo718
Thu Dec 12, 2013 9:06 am
 
Forum: Investing - Theory, News & General
Topic: Re Seeking Alpha registration issue
Replies: 9
Views: 884

Re: Price changes in secondary bond market

I just plugged in the cusip into my schwab account for $10k lot and it came back with $122.07 price for YTW of 3.221%. I guess the earlier price you got was a mistake from the dealer or broker.
by hlfo718
Wed Dec 11, 2013 3:21 pm
 
Forum: Investing - Theory, News & General
Topic: Price changes in secondary bond market
Replies: 3
Views: 286

Re: Help with explanation of dividends, etc.

0.32 is the div per share
0.39 is the short term cap gain per share
2.27 is the long term cap gain per share

Take the shares you have and multiple each number, that's your distribution amount per category. If the fund is in your tax def account, doesn't impact you. Otherwise you have to pay taxes.
by hlfo718
Mon Dec 09, 2013 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with explanation of dividends, etc.
Replies: 3
Views: 282

Re: Learn Statistics? How?

I have yet to find a stats book using real life financial markets data as examples. If the topic is stand dev, why not use a real life mutual fund or stock to show what that means? But if such book exists please let me know. Love to buy that for my nephew.
by hlfo718
Thu Dec 05, 2013 11:47 am
 
Forum: Personal Consumer Issues
Topic: Learn Statistics? How?
Replies: 40
Views: 2546

Re: 401k plan trustee using bad average fees metric

Can't you ask them to add a few reasonably priced index funds in the selection? I did at my job but it took over 2 years to get various index funds in. You have to be persistent since most of the people in charge are clueless about investing.
by hlfo718
Mon Dec 02, 2013 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: 401k plan trustee using bad average fees metric
Replies: 2
Views: 279

Re: Eyeglass Lenses @ Costco

Thanks Random. You can almost interchange Costco with Vanguard in the discussion.
by hlfo718
Wed Nov 27, 2013 12:25 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 9109

Re: Eyeglass Lenses @ Costco

Thank you everyone. I tried the online route once, I used $39 glasses but the glasses was too small so it became very uncomfortable. I also opted for their own version of transition, definitely not as good since it has a permanent green shade. But the price was really low, about $100 for the frame a...
by hlfo718
Wed Nov 27, 2013 12:00 pm
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 9109

Eyeglass Lenses @ Costco

Hi, Just wondering if anyone uses Costco Optical. I went to my local eyeglass shop yesterday to replace my frame and lenses. I was told I need the anti reflective and photochromic coating for my lenses, which I agree since I noticed I am seeing more glares and the bright light does bother my eyes. E...
by hlfo718
Wed Nov 27, 2013 9:53 am
 
Forum: Personal Consumer Issues
Topic: Eyeglass Lenses @ Costco
Replies: 29
Views: 9109

Re: How to do due diligence on a brokerage?

I believe Betterment is an adviser, not a broker. So to make sure the money is there and he is making the trades he is supposed to make, just look at the brokerage account where the funds is held. Since this will be a separately managed account, not a fund, you are the only owner of the assets and B...
by hlfo718
Tue Nov 19, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: How to do due diligence on a brokerage?
Replies: 4
Views: 437

Re: Roku Private Channels

Thanks. I guess I will still get an antenna for the room for the broadcast channels.
by hlfo718
Mon Nov 11, 2013 1:52 pm
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2207

Roku Private Channels

Thinking about buying the new Roku and drop one cable box in the bedroom. I noticed Youtube is not in the main Roku menu but is in the private channel, sp are CBS and HGTV channels. Does anyone know how that works and if you can actually stream live CBS and HGTV channels using the private channel fu...
by hlfo718
Mon Nov 11, 2013 11:52 am
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2207

Re: Costco Men's Kirkland Signature Athletic Shoes

I just purchased a pair of their non slip working shoes (they look like sneakers) in black. So far I have no complain. They are cheap, 20 bucks, and very comfortable. And the soles are thick so they don't wear out. I had a pair of addidas that lasted less than a year and a pair from payless lasted 3...
by hlfo718
Fri Oct 11, 2013 8:51 am
 
Forum: Personal Consumer Issues
Topic: Costco Men's Kirkland Signature Athletic Shoes
Replies: 8
Views: 3252

Re: $399 Laptop Acer Aspire E1-531-4665

Be careful with the low priced laptops. I purchased one a few years back I think it was a Gateway, which is the same company as E Machine. It died in 2 years. I paid about 350. Stick with a reputable brand like HP or Lenovo. I also don't like Dell because I had two desktops from them and they also d...
by hlfo718
Tue Sep 24, 2013 12:44 pm
 
Forum: Personal Consumer Issues
Topic: $399 Laptop Acer Aspire E1-531-4665
Replies: 7
Views: 775

Re: Android Tablet

One thing I don't like about the iPad is the weight. Is a bit heavy to hold for more than half an hour reading or surfing. Thought about getting the Nexus 10 but a bit too pricey for me at $399.
by hlfo718
Mon Sep 16, 2013 10:10 am
 
Forum: Personal Consumer Issues
Topic: Android Tablet
Replies: 42
Views: 3648

Re: Brokerages offer same bond for different prices and yiel

usually the larger the quantity the higher the yield, or the lower your cost. This works the same for broker CDs as well. It pays to look around especially if you have more than one broker.
by hlfo718
Fri Sep 13, 2013 12:44 pm
 
Forum: Investing - Theory, News & General
Topic: Brokerages offer same bond for different prices and yields
Replies: 3
Views: 334

Re: Edward Jones compensation w/r/t AFunds

Is he a broker or a RIA who is charging an annual mgmt fee?
by hlfo718
Fri Sep 13, 2013 8:44 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones compensation w/r/t AFunds
Replies: 7
Views: 922

Re: Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoug

I do enjoy his blog. I don't plan on investing in the etf but if you allocate a small portion it wouldn't be the end of the world even though is like 10x the cost of VTI.
by hlfo718
Fri Sep 06, 2013 12:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mebane Faber's "Shareholder Yield Fund" (SYLD): Thoughts?
Replies: 3
Views: 556

Re: Vodaphone/Verizon deal-stock holder proceeds

I can't imagine the stock distribution is true because most investors are located overseas. So if I am an UK investor, what the hell am I going to do with VZ shares? I would imagine it would cost a lot to dump US shares overseas, just like here in the US is expensive to trade non US stocks, plus FX ...
by hlfo718
Wed Sep 04, 2013 8:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vodaphone/Verizon deal-stock holder proceeds
Replies: 5
Views: 867

Re: Transfer from a Wealth Management account to ETF and Fun

you can also use your dividend proceeds to buy the index funds/efts. Just make sure you can do so for free.

How big are these positions, 1% or less each?
by hlfo718
Wed Sep 04, 2013 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Transfer from a Wealth Management account to ETF and Funds
Replies: 15
Views: 999

Re: sleep number beds

I got the queen back in 2006 and still works fine. I did get the two chamber so my wife can have her own number. The machine is a bit loud when you increase but it only last a few seconds so no big deal. I recall paying about 1,300 back then in the Sleep Comfort store. You can get a basic queen for ...
by hlfo718
Thu Aug 22, 2013 2:35 pm
 
Forum: Personal Consumer Issues
Topic: sleep number beds
Replies: 22
Views: 3146

Re: Cohen & Steers?

I believe this is a high yield fund with a bunch of pref stock mixed in. So you are taking term and credit risk. If this is a tiny part of your overall asset allocation, then fine. If this is a large portion, you should educate yourself first to see how this fits in your overall investment.
by hlfo718
Mon Aug 19, 2013 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cohen & Steers?
Replies: 2
Views: 290

Re: Real estate broker fees

Are you in NYC (Manhattan) or other parts of NY? If Manhattan and in a low inventory area like Soho then is definitely not 6 or 5%. If you bargain hard enough and bring in a bunch of brokers together, probably 4%, especially if you have a multi million dollar apartment or house.
by hlfo718
Thu Aug 15, 2013 12:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real estate broker fees
Replies: 9
Views: 732

Re: Changing Bathtub

Thank you for all the comments. Something struck me as strange. Since my apartment is pre-war so I assumed my tub is just as old since previous owners didn't spend much money in the place. So I went home last night and placed a magnet on the tub, but it didn't stick. So I am assuming I actually don'...
by hlfo718
Fri Aug 02, 2013 8:13 am
 
Forum: Personal Consumer Issues
Topic: Changing Bathtub
Replies: 9
Views: 798
Next

Return to advanced search