Bogleheads.org

Thank you everyone! So I looked at 2011 990 filing for this non profit org and is it unusual for a non profit to have net assets of 600 million in investments and cash? Also, can a non profit become for profit? If so who are the shareholders? My wife works for this non profit and the last 4 years, h...

Any idea how I can find audited financials from a non profit org? Are they required to file any federal and or statement tax return and financial statements?

Also, is there a way to see how much the executives are making?

Thank you

Funny stuff.

Spent about $70 to buy the program a few years back but after spending hours trying to upload historical trades to the system without success, gave up and use excel instead. Not wasting my $ again with that crap.

Scottrade charges $17 for funds and $7 for ETFs.

You should contact your lawyer to make sure these are reasonable and if you can pick or negotiate the escrow company and fees. I know some lawyers get a kick back from firms for recommendation.

What is an escrow company? When I purchased and sold my home a while back, the deposit was sitting with my lawyer. The county and city fees you can't avoid but why are you paying for title search? That's the buyer's responsibility. And what the [heck --admin LadyGeek] is a sub-escrow fee? Are you ge...

I also purchased a co-op in queens last year to live in and the numbers do sound pretty good and actually thought about buying a couple of places to rent out but here are a few problems I came across. First, many co-ops don't let you rent Second, some co-ops will let you rent but only for 2 years. T...

25mm is a sizeable amount. You should ask HR about this but many people are clueless about share classes and about their own investments. You may need to educate them yourself and see where it will get you.

The apartment complex we live in had a couple of break ins recently. Want to install something simple so I can monitor at work. Any recommendation for someone who is not that familiar with IT installation?

I was checking amazon.com and found Foscam. Anyone familiar with this?

Many Thanks

hlfo 718: You said " If your father insists on following them, have him allocate a portion to the mutual fund" The mutual fund has an ER of 1.55 and the whole account has a wrap fee of 2% , that is an annual load of 3.55% which is almost impossible to overcome...Gordon Actually, what I me...

Looks like they just started a mutual fund with ER of 1.55, this is on top of the ETFs fees. Their historical returns look great but they weren't audited and don't really know what they were doing to have those returns. If your father insists on using them, have him allocation a portion to the mutua...

Thanks for the info Rick. Will these be similar to the DFA funds? Northern Trust came out with their Flexshares last year with ER of 0.28%. Wonder how similar iShares will be to the Flexshares.

There was a paper by Vanguard about this, google Dispersion! Not Correlation!

In essence, around 2/3 or more of the R1000 stocks out or under performed the index by at least 10%.

Don't believe they have this option. I have been doing screen prints on the summary.

Just wondering the cost of living including health insurance and quality of life and care in these countries.

Thanks

Why can't you add all three?

Not sure if your broker can accommodate but some will take your instruction not to send out any funds unless they have received a signed instruction from you and call you to confirm about the transfer. Call your firm to see what they can offer.

A lot of 401ks have this as an option so is a set it and forget it option. People won't leave unless it blows up.

Thank you!!!

Hi,

Any idea where I can find academic research on the 3/4 factor models for non US equities. My colleague mention that she read an article recently about non US small caps added very little to no value in a portfolio, unlike US small cap.

Thanks!

When I was 33 I had no plans and was just dumping money into 401k, IRA when in the mood, and some outside investments. I was fortunate that my investments went up by pure luck and accumulated a decent size net worth. But 2008 hit and lost my job but again was lucky to find another one within a month...

The fund has a 1% 12b-1 fee, which means your planner will receive this fee each and every year. So out of the 2.14% expense, your planner takes about half. And I believe this is a fund of funds that charges additional fee on top of the underlying fund fees. If this is a new investment, I think he i...

The SEC yield will change every day due to movement of various currencies. But that's just my guess.

Diff class = Diff fee structure. Class C has a 1% def load, which means if you redeem before x years you will be charged a fee. There is also a 1% 12b-1 fee, which is why your broker place your bro in this fund. Does the planner charge other fees? If so he/she is dipping twice. You are better off dr...

Amazing it took this long to even consider going all passive. Strange thing is they are having consultants do the analysis. Isn't there a conflict of interest since consultants normally pick active managers. If they go all passive, no more income for consultants.

Why don't you ask your HR to do a cost/benefit analysis switching to another 401k vendor like Fidelity and Vanguard? We have Fidelity and the company pays less than 3k a year for 14 people. And Fidelity finally added more index funds to the selection. If not ask your current provider why you need to...

I don't quite understand. You are the beneficiary of the trust and if the trustee has hired this independent adv to deal with you, that means he is taking money from the trust to comp this adv. So why wouldn't you have the right to see the accounting and performance of the trust? I work for a trust ...

Can you call Vanguard to cancel an incorrect order?

You can go online and see the payment history including interest.

I think Mint.com can do so as well.

Why don't you help her understand investing now by introducing her to this site as well as having her read some of the books? You can then discuss how she can invest the lump sum if you do go before her.

You can also transfer to Fidelity now that they have 65 no transaction cost ETFs from iShares. Fidelity is also offering credits if the account is over certain size so that you can offset xfer out fees from your adviser.

https://scs.fidelity.com/other/offers/r ... asha.shtml

Each firm has its own style so you need to contact your 401k admin to have them explain. Not sure what you mean by "real" but you need to understand they can either show you time weighted return or money weighted return (IRR) or both. Read the fine print to see.

He can't promote index funds since his network of advisers use active funds, probably loaded active funds. So for him to promote index funds or low cost investing is like cutting off his air supply (money).

If he puts money in a Roth IRA he wouldn't have to pay taxes.

Schwab had one or two short term bond funds that blew up in 2008. I don't like their active funds but their ETFs are fine. Just double check on the bid/ask before pulling the trigger. Otherwise you may want to spend $9 to buy another ETF with better spread.

Company management anticipates we’ll be bought by one of our F500 investors later this year or early next. Maybe this is more of a dream of the mgmt than reality? They are also assuming the sector you are in continue to do well, look what happened to the daily deal companies. You may want to look a...

Dow has recovered since last year so the "news" is based on price only return, which does not make sense to me.

agree

Go to a non company insurance agent that sells multi company products. You can probably find one near you via google.

I purchased using a broker who also used Wells Fargo. The rate they got be was the same as retail and I could have gotten a lower rate if I had gone to a local bank. It was my fault so I had to suck it up. But I will not be using a broker again since they seem to use only the one bank, Wells Fargo.

I think the before and after tax returns posted above for the Healthcare fund assumes you sell the fund at the end of the year. The buy and hold numbers are much better but still not as efficient as the total stock market index fund.

If it is a mutual fund then is net of fees. But if it is a "composite" return, it may be gross. Need to read the fine print. You should do some reading up on fund fees if you don't think is important. Start with Four Pillars of Investing as well as books from Larry Swedroe and Rick Ferri.

I also think the suit is a waste since the fees were clearly stated before you make the investment so why invest if you know the fees are lower elsewhere? To me this is like buying a $1,000 GE fridge from your local store and then realized Best Buy has it for $800. Do you now sue your local store fo...

Any idea how this will impact the value or growth index funds?

Why don't you move your cash to TD Bank? They offer no fee checking with very low min, $100. I closed my BOA last year after I have moved to TD and Capital One as backup.

The OP mention is a co-op, which should have a bylaw explaining what is covered. I just purchase a co-op in NY and increase my coverage from 5k (don't know what I was thinking) to 150k. I also increase personal crap from 25k to 50k. The marginal cost to me is only 400 bucks. Not bad for the add'l co...

If you invest in the Total Stock Market Index you will benefit since you got 20% premium on Heinz and if Berkshire can juice up Heinz after, you will benefit again.

I believe the mutual fund board has fiduciary responsibility to the investors but unfortunately many of these board members have ties with the mutual fund company, even though a majority is supposed to be independent. Hard to break this cycle when there are billions of $ involved.