Search found 663 matches

by hlfo718
Fri Aug 28, 2015 2:15 pm
Forum: Personal Consumer Issues
Topic: NYC- Where to buy a good quality sofa or sectional?
Replies: 9
Views: 637

Re: NYC- Where to buy a good quality sofa or sectional?

Try Raymore and Flanagan's, Ashley Furniture, Macy's, even Ikea.
by hlfo718
Tue Aug 18, 2015 10:15 am
Forum: Personal Consumer Issues
Topic: Long term disability insurance
Replies: 8
Views: 803

Re: Long term disability insurance

That's about what I have and I pay around $1,600/year through Mass Mutual. I dropped the price index and other addon's to save some cash.
by hlfo718
Thu Aug 13, 2015 8:48 am
Forum: Personal Consumer Issues
Topic: Replacing kitchen tiles
Replies: 7
Views: 513

Replacing kitchen tiles

We installed new tiles and cabinets in our narrow galley kitchen 3 years ago. The cabinets are sitting on top of the tiles but unfortunately for us, the contractor screwed up the installation of the tiles and some tiles are starting to move and most of the grout have come out. Just want to see how d...
by hlfo718
Tue Jul 07, 2015 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: XIRR Annualizing
Replies: 1
Views: 202

XIRR Annualizing

Just want to confirm when using XIRR in excel that the calculation will annualize the return if it is less than 1 year but after one year the result is for the actual period. So for example, if I invested 1mm on 1/1/2000 and sells out completely on 6/30/2000 for 1.1mm, the return is 21.32%. But if I...
by hlfo718
Tue Jul 07, 2015 8:19 am
Forum: Investing - Theory, News & General
Topic: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)
Replies: 43
Views: 4650

Re: Bloomberg - "The Hugely Profitable, Wholly Legal Way to Game the Stock Market" (Front running index fund purchases)

This is not new, Russell indices are probably the worst but they have changed the way they shuffle stocks around. I invest in the total stock market so it shouldn't impact me much, if at all.
by hlfo718
Tue Jun 23, 2015 11:24 am
Forum: Investing - Help with Personal Investments
Topic: Discrepancy between S and P 500 Benchmark and Vanguard 500 Index
Replies: 5
Views: 666

Re: Discrepancy between S and P 500 Benchmark and Vanguard 500 Index

3.1% is stale, that was as of May 31st. If you want more up to date info, go to Morningstar.
by hlfo718
Mon Jun 08, 2015 8:57 am
Forum: Personal Finance (Not Investing)
Topic: Buying a Cooperative (co-op) unit - Questions to ask
Replies: 12
Views: 1395

Re: Buying a Cooperative (co-op) unit - Questions to ask

When buying a co-op you are essentially buying shares and you are not an owner, you are a shareholder and you are actually leasing the space. Most co-ops in NYC have an underlying mortgage or some sort of line of credit because unless the co-op has sufficient income to offset all the fees and expens...
by hlfo718
Fri Jun 05, 2015 8:59 am
Forum: Personal Finance (Not Investing)
Topic: Buying in NYC
Replies: 28
Views: 3067

Re: Buying in NYC

My wife and I lived in Hoboken less than 10 years ago in a 3 family house. The good thing about Hobo is that it has a ton of restaurants and bars, almost like lower manhattan and upper east side feel. The downside of living in Hobo is it floods a lot and PSE&G stinks, since electric/gas goes out...
by hlfo718
Mon Apr 20, 2015 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: Newly Married - Both 28 - NYC residents - How are we doing?
Replies: 26
Views: 3015

Re: Newly Married - Both 28 - NYC residents - How are we doi

I think you are doing very well. I had very little money back when I was 28. I was making maybe 55k back then but did purchase a house. My wife and I also live in Queens, (Forest Hills). Purchased the apartment almost 3 years ago and really like the place. The overall housing costs (not counting 20%...
by hlfo718
Wed Mar 25, 2015 8:30 am
Forum: Personal Finance (Not Investing)
Topic: SPIA: Northwestern Mutual vs New York Life
Replies: 17
Views: 1798

Re: SPIA: Northwestern Mutual vs New York Life

Have you checked Mass Mutual as well? They are also a mutual insurer with high ratings.
by hlfo718
Wed Mar 18, 2015 7:44 am
Forum: Investing - Help with Personal Investments
Topic: EU/Int'l - Saxo Bank alternatives without custody fees
Replies: 45
Views: 3676

Re: EU/Int'l - Saxo Bank alternatives without custody fees

Are the charges because of the low Euro denominated rates? Many, if not all, custodians started to charge a fee for Euro deposits. If this is the case then is really hard to avoid unless you keep in other currencies like USD or GBP.
by hlfo718
Thu Mar 12, 2015 8:59 am
Forum: Investing - Help with Personal Investments
Topic: Free me from my broker?
Replies: 12
Views: 982

Re: Free me from my broker?

Or you can sign up ML Edge and have it linked to your BOA account like I have. Then you or wife can move the money to cover expenses. You save paying this broker means you save a lot of money. And you may not have to pay commission for stock/etf trades if you have over 100k at ML Edge.
by hlfo718
Thu Feb 26, 2015 9:02 am
Forum: Investing - Help with Personal Investments
Topic: 12B-1 Fees
Replies: 3
Views: 371

Re: 12B-1 Fees

Why don't you call American Funds since they collect the fees and they have the legal agreements with Vanguard and EJ as to who will receive the fee, but I think Vanguard may because if you had transferred to E Trade they would have rebate you that fee.
by hlfo718
Fri Feb 20, 2015 2:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1320

Re: Vanguard Index Fund Fees

is 365 or 366 for leap years. Some expenses are estimates and are trued up every quarter or so.
by hlfo718
Thu Feb 12, 2015 3:57 pm
Forum: Investing - Theory, News & General
Topic: Buffett/Hedge Fund Bet - Protege Partners' Excuses!
Replies: 34
Views: 3032

Re: Buffett/Hedge Fund Bet - Protege's Partners Excuses!

Is funny because if you look at Vanguard Balance and Vanguard Star, they returned 60% and 51%, respectively. So the argument that hedge funds don't fully invest hence under performing is bogus. And HFs move their net positions around so they don't stay static net 40 or 50% every single year. The fun...
by hlfo718
Fri Jan 16, 2015 12:32 pm
Forum: Personal Consumer Issues
Topic: T-Mobile to Launch New 'Simply Prepaid' Plans
Replies: 4
Views: 1123

Re: T-Mobile to Launch New 'Simply Prepaid' Plans

We pay 20 a month for three lines. We use Puretalk USA.
by hlfo718
Fri Jan 16, 2015 12:30 pm
Forum: Personal Consumer Issues
Topic: Options for calling the U.S. from International ?
Replies: 36
Views: 2393

Re: Options for calling the U.S. from International ?

Skype worked well and really cheap when my family and I were in Asia calling US. We also used Facetime. Both have voice only option.
by hlfo718
Wed Jan 14, 2015 9:42 am
Forum: Investing - Help with Personal Investments
Topic: questions for new "401k advisor"
Replies: 15
Views: 1243

Re: questions for new "401k advisor"

If employer doesn't match then invest through a Roth IRA. Also ask to see if they provide the brokerage account option. When I first joined a small company around 10 years ago they had a broker "recommended" Oppenheimer funds that all had front end loads. I decided to invest only in the mo...
by hlfo718
Wed Dec 24, 2014 11:59 am
Forum: Personal Consumer Issues
Topic: Dentist Bill from 2011
Replies: 62
Views: 4062

Re: Dentist Bill from 2011

Did you not go back to the same place for the last three years? If so they would have told you about having a balance. My wife have encountered a few times where the doctor's office sent to the wrong insurance or wrong service provider (sent to quest diag instead of the insurer approved vendor) but ...
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: 1670

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 Sep 17, 2014 12:18 pm
Forum: Investing - Theory, News & General
Topic: Could someone explain this bond fund's maturity measures
Replies: 6
Views: 497

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
Fri Jul 25, 2014 2:31 pm
Forum: Personal Finance (Not Investing)
Topic: Wall Street Journal Subscription Increase
Replies: 29
Views: 2859

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 8:48 am
Forum: Personal Finance (Not Investing)
Topic: Accounting for savings... with negative basis?
Replies: 4
Views: 813

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
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: 3096

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
Fri Jun 27, 2014 1:41 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed Income Attribution
Replies: 0
Views: 157

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
Tue Jun 24, 2014 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Alternative to Broker Sold Municipal Bond Fund
Replies: 10
Views: 600

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
Fri Jun 20, 2014 12:10 pm
Forum: Investing - Theory, News & General
Topic: If Harvard invested in Vanguard...
Replies: 50
Views: 5504

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
Thu Jun 19, 2014 12:38 pm
Forum: Investing - Theory, News & General
Topic: Do you see profit or ponzi?
Replies: 109
Views: 12437

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 May 15, 2014 11:06 am
Forum: Investing - Theory, News & General
Topic: Passive investing affecting market efficiency
Replies: 9
Views: 963

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
Tue Apr 29, 2014 11:50 am
Forum: Personal Consumer Issues
Topic: Serious IE/Adobe Threat
Replies: 10
Views: 1183

Re: Serious IE/Adoble Threat

Still using firefox, much faster than IE.
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: 1929

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 15, 2014 1:49 pm
Forum: Personal Finance (Not Investing)
Topic: Estate Planning Lawyer
Replies: 8
Views: 1403

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
Fri Apr 11, 2014 1:20 pm
Forum: Personal Consumer Issues
Topic: NYC Comic Con
Replies: 12
Views: 952

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
Thu Mar 06, 2014 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: Bad fund options with "Fidelity Advisor"
Replies: 4
Views: 537

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
Tue Feb 11, 2014 12:51 pm
Forum: Personal Consumer Issues
Topic: Buying shoes at COSTCO
Replies: 14
Views: 4525

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 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Better understanding of portfolio performance calculations?
Replies: 3
Views: 381

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
Wed Jan 08, 2014 3:21 pm
Forum: Personal Consumer Issues
Topic: Upgrade baseboard heaters?
Replies: 35
Views: 2044

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
Tue Jan 07, 2014 9:14 am
Forum: Investing - Theory, News & General
Topic: How are Vanguard fund managers paid?
Replies: 9
Views: 2031

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
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: 920

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 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 630

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 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: New to Vanguard, cost explanation please?
Replies: 5
Views: 608

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 2:01 pm
Forum: Investing - Help with Personal Investments
Topic: Thoughts on Net Worth Concentrated with One Mutual Fund Comp
Replies: 11
Views: 920

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 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: [Confused about bonds - need help with portfolio]
Replies: 9
Views: 630

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
Thu Jan 02, 2014 3:07 pm
Forum: Investing - Theory, News & General
Topic: Steve Vernon and Allan Roth
Replies: 3
Views: 645

Steve Vernon and Allan Roth

What happened to their blogs? Did Marketwatch discontinued all the bloggers?
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: 680

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
Thu Dec 12, 2013 9:06 am
Forum: Investing - Theory, News & General
Topic: Re Seeking Alpha registration issue
Replies: 9
Views: 977

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
Wed Dec 11, 2013 3:21 pm
Forum: Investing - Theory, News & General
Topic: Price changes in secondary bond market
Replies: 3
Views: 307

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
Mon Dec 09, 2013 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with explanation of dividends, etc.
Replies: 3
Views: 299

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
Thu Dec 05, 2013 11:47 am
Forum: Personal Consumer Issues
Topic: Learn Statistics? How?
Replies: 40
Views: 2699

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.

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