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Do Commodities Speculators Make Things Cost More?

Hi, What's Bogleheads take on this article. http://blogs.hbr.org/fox/2013/07/do-commodities-speculators-mak.html Commodities trading, Adam Smith wrote in 1776, was a boon to efficiency and a foe to famine. It was also extremely unpopular, especially in years when harvests were poor (he was writing s...
by ronney
Wed Jul 24, 2013 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Do Commodities Speculators Make Things Cost More?
Replies: 5
Views: 698

Re: THANKS, BOGLEHEADS, FROM JACK BOGLE

Dear Mr Bogle,

What would be your message to my kid who is born on same date as you are?

John Clifton "Jack" Bogle (born May 8, 1929)
Aaryav (born May 8, 2013).
by ronney
Wed May 15, 2013 10:07 pm
 
Forum: Investing - Theory, News & General
Topic: THANKS, BOGLEHEADS, FROM JACK BOGLE
Replies: 39
Views: 5313

Twin City Power Notes

Hi, Don't know what to call this an Investment or a Ponzi Scheme. http://www.tcpnotes.com/interestrates.php Twin Cities Power Holdings, LLC (“TCP”) trades financial contracts for electricity in seven North American wholesale markets. To a lesser extent we also trade financial contracts for electrici...
by ronney
Thu Mar 21, 2013 3:15 pm
 
Forum: Investing - Theory, News & General
Topic: Twin City Power Notes
Replies: 3
Views: 2051

New Year Wish (2013) : John Bogle becomes CEO of Vanguard

Hi, Treat this as just theory or speculation. But I would like to know what do Bogleheads think If Mr. Bogle does become the CEO of Vanguard on Jan 1st 2013. What kind of changes we can expect in this new Vanguard? How would their proxy voting look like? (Management or Shareholder friendly) What wou...
by ronney
Thu Oct 25, 2012 10:56 am
 
Forum: Investing - Theory, News & General
Topic: New Year Wish (2013) : John Bogle becomes CEO of Vanguard
Replies: 2
Views: 552

Re: Employee Fiduciary 401k vs. Costco/Intuit 401k

Hi TroyHorse , Have you looked into Vanguard/Ascensus Small Business 401k Plan? 1) No Employee cost other than ERs 2) Signal Class Vanguard Funds (John Bogle is not big fan of ETFs) 3) Vanguard/Ascensus Small Business 401k asset is counted toward Voyager , Voyager Select, Flagship Status 4) Stick wi...
by ronney
Fri Oct 12, 2012 2:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee Fiduciary 401k vs. Costco/Intuit 401k
Replies: 29
Views: 6866

Re: 401(k) provider recommendations for small business

Hi StarmanDeluxe,

I am still surprised that Vanguard does not put this information on their Website. If the the game is to beat Competition by Cost they should advertise it properly.

https://institutional.vanguard.com/VGAp ... llbusiness
by ronney
Thu Oct 11, 2012 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) provider recommendations for small business
Replies: 28
Views: 4644

Re: 401(k) provider recommendations for small business

Hi StarmanDeluxe, Vanguard/Ascensus Small Business 401k Plan Fees. SCHEDULE B - FEES 1. FEES PAYABLE BY EMPLOYER A. Installation and Plan Set-Up Fee: New Plan (Start-up) $1,000 Conversion of Existing Plan $1,500* *Conversion data must be provided electronically. This is a one-time nonrefundable fee,...
by ronney
Thu Oct 11, 2012 2:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) provider recommendations for small business
Replies: 28
Views: 4644

Re: 401(k) provider recommendations for small business

Hi jasonlitka , It has nothing to do with Plan Asset. Outs was around 350K when we converted it to Vanguard. It all depends on whether you want the cost to be pass down to your Employee or not. Vanguard/Ascensus gives .10% credit of asset back to to Employer for all Investor Class Funds. For Single ...
by ronney
Thu Oct 11, 2012 12:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) provider recommendations for small business
Replies: 28
Views: 4644

Re: 401(k) provider recommendations for small business

Hi StarmanDeluxe , I was in same Boat 3 month ago. We decided to go with Vanguard/Ascensus route. Our conversion from ADP to Vanguard/Ascensus has worked really well for my company. Also with Vanguard we were able to secure all the Signal Class Shares in the new 401k which brought down the Employee ...
by ronney
Thu Oct 11, 2012 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) provider recommendations for small business
Replies: 28
Views: 4644

ICI Mission

http://ici.org/ OUR MISSION Encouraging adherence to high ethical standards by all industry participants; advancing the interests of funds , their shareholders, directors, and investment advisers; and promoting public understanding of mutual funds and other investment companies. I am having hard tim...
by ronney
Wed Sep 19, 2012 6:29 pm
 
Forum: Investing - Theory, News & General
Topic: ICI Mission
Replies: 0
Views: 120

Operational earnings vs Reported earnings

Hi,

Where do i find the Operational & Reported earnings of companies inside Vanguard 500 and Other mutual funds?

I have looked at Vanguard site and not able to find this information for per year base.
by ronney
Wed Sep 19, 2012 11:27 am
 
Forum: Investing - Theory, News & General
Topic: Operational earnings vs Reported earnings
Replies: 0
Views: 90

Refinancing of Bond Debt of Community Facilities District

Hi, How do you Refinancing of Bond Debt of Community Facilities District (CFD) ? The low interest rate environment in the current bond market presented a great opportunity to refinance CFD. But where to start. The CFD I pay via property tax is issued by my city. This Bond is costing me around 1950 +...
by ronney
Sat Sep 08, 2012 12:47 am
 
Forum: Investing - Theory, News & General
Topic: Refinancing of Bond Debt of Community Facilities District
Replies: 0
Views: 163

Re: Pay-off or increase a mortgage ?

Hi Taylor,

Any specific reason to choose No-Cost 5/5 (30 year) Adjustable Rate Mortgage vs 30 Year Conforming Fixed?
by ronney
Thu Aug 23, 2012 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Pay-off or increase a mortgage ?
Replies: 50
Views: 5175

Re: Investing Priority

Hi hoppy08520, Thanks for all your help. Based on the reading I've done, the closest "rule of thumb" I've seen is that if you're not sure either way, and you're in the 25% Federal tax bracket, then lean toward Traditional. If you're in the 15% Federal tax bracket, then lean toward Roth. Bu...
by ronney
Tue Aug 21, 2012 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Investing Priority
Replies: 19
Views: 2029

Re: Investing Priority

Hi, Since 457b does not have any matching option. Can we change Rule #2 to accommodate 457b options? 1. Company plan (401k, 403b, etc.) up to the company match 2. Roth IRA/457b or deductible Traditional IRA/457b up to maximum contribution limit, depending on personal circumstances and eligibility. 3...
by ronney
Mon Aug 20, 2012 9:31 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Priority
Replies: 19
Views: 2029

Re: To Roth or Not to Roth 457b

Hi Easy Rhino , My Taxable Investment is 0$, so No capital gains for this year. My wife is not eligible for a 403b plan. Here is one more interesting thing i just found. Q) Subject to Required Minimum Distributions (RMD) Traditional 457b - Yes Roth 457b - Yes. Participant can avoid a RMD from the Ro...
by ronney
Mon Aug 20, 2012 3:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or Not to Roth 457b
Replies: 6
Views: 744

Investing Priority

Hi, As Laura has outlined in her post. Investing Priority The general rule of thumb for investing priority is: 1. 401k/403b up to the company match 2. Max out Roth 3. Max out 401k/403b 4. Taxable Investing Question ---------- How does this Priority change with newly available option of Roth 457b.
by ronney
Mon Aug 20, 2012 1:24 pm
 
Forum: Investing - Theory, News & General
Topic: Investing Priority
Replies: 19
Views: 2029

Re: To Roth or Not to Roth 457b

Hi Mudpuppy, Do you think you'll be in a higher tax bracket now or later? - Until I reach age 65 my tax bracket will be Higher as Me and My wife both get increases in our Salary every year. Also, will switching her from pre-tax to post-tax dollars bump you into the next tax bracket? - Right now my F...
by ronney
Mon Aug 20, 2012 1:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or Not to Roth 457b
Replies: 6
Views: 744

To Roth or Not to Roth 457b

Hi, I just received a Letter from My wife's 457b Provider (Nationwide) that you can also enroll in Roth 457b. This started all R&D phase on my side. Still unable to make up my mind. Age: 29 Him, 28 Her Maxing out both His and Her Roth IRA and His 401K and Her Traditional 457B for Year 2012. Marr...
by ronney
Sun Aug 19, 2012 10:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: To Roth or Not to Roth 457b
Replies: 6
Views: 744

Re: QUESTIONS FOR Q&A WITH JACK BOGLE AT BOGLEHEADS 11

Mr. Bogle

What would be your Lazy Portfolio for most of the Individual Investors?
by ronney
Sat Jun 23, 2012 10:51 am
 
Forum: Investing - Theory, News & General
Topic: QUESTIONS FOR Q&A WITH JACK BOGLE AT BOGLEHEADS 11
Replies: 42
Views: 7905

Re: Ultimate Bond Portfolio

Hi,

Thanks for all the help. Both wiki and this forum are great help to Individual Investor.
by ronney
Sat Jun 23, 2012 10:48 am
 
Forum: Investing - Theory, News & General
Topic: Ultimate Bond Portfolio
Replies: 12
Views: 1938

Ultimate Bond Portfolio

Hi, After reading several threads about Bonds. This is what I have constructed. Let me know what you guys think. Looking forward to all the Pros and Cons about this Bond Portfolio. (Note: Stock Portfolio is separate, this is just Bond side of the individual asset allocation) 25% Vanguard Total Bond ...
by ronney
Fri Jun 22, 2012 10:54 pm
 
Forum: Investing - Theory, News & General
Topic: Ultimate Bond Portfolio
Replies: 12
Views: 1938

Re: Asset Allocation Help with New Vanguard 401k

Hi, Why do you want all those bonds and REITs if you are only 28? - k-slice I know the base rule of Bond Allocation is your Age in Bonds, but I am bit Conservative so , 35% bond allocation gives me good sleep at night. With regards to REIT , I consider them separate asset class than Bonds and Stocks.
by ronney
Mon Jun 04, 2012 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help with New Vanguard 401k
Replies: 9
Views: 905

This Collapse In US Interest Rates Is History In The Making

Nice Article...

Was surprise to find that 10 year Treasury Bond yield graphs follows the Inflation and GDP.

http://www.businessinsider.com/what-the-collapse-in-interest-means-2012-5
by ronney
Fri Jun 01, 2012 11:09 am
 
Forum: Investing - Theory, News & General
Topic: This Collapse In US Interest Rates Is History In The Making
Replies: 25
Views: 3775

Re: Asset Allocation Help with New Vanguard 401k

Thanks for all your help... You can't do what you want as long as 16% of the portfolio is tied up in CDs - retiredjg Is moving those Roth IRA CDs into appropriate Vanguard Roth IRA account as they mature a viable solution in my case? (Actually, at your ages I don't think you need TIPS and would drop...
by ronney
Thu May 31, 2012 11:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help with New Vanguard 401k
Replies: 9
Views: 905

Asset Allocation Help with New Vanguard 401k

Hi, After 2 years of convincing the Management, finally we have filled the paper work to move our Company 401k from ADP to Vanguard. I am trying to make the 401k switch over as smooth as possible and also trying to maintain the desired asset allocation. Emergency funds = 6 months of expenses Debt : ...
by ronney
Wed May 30, 2012 11:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Help with New Vanguard 401k
Replies: 9
Views: 905

Vanguard Small Business 401k - Fund Lineup

Hi, Finally we are moving to Vanguard Small Business 401k from ADP. Here is the Fund Lineup our company has come up with. The goal was to get the low cost , index 401k for our employees. If Signal class is available we used it in the Lineup. So, far it looks like Employer cost is going down by 15% a...
by ronney
Thu May 03, 2012 9:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Small Business 401k - Fund Lineup
Replies: 9
Views: 868

Re: Will Vanguard dump Small Business 401k again?

Hi tj, Thanks for the Insight, My company is moving from ADP to Vanguard/Ascensus 401k Plan. I am hoping to get better customer service than the one we have right now from ADP. Looking at the http://www.ascensus.com website , looks like they are one of the best Record Keeper in business. Also with V...
by ronney
Fri Apr 27, 2012 3:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard dump Small Business 401k again?
Replies: 3
Views: 883

Will Vanguard dump Small Business 401k again?

Hi,

What is probability of Vanguard dumping the Small Business 401k plan as they did it in Past?
Is the current Small Business 401K plan (Vanguard/Ascensus) different than the one in the Past (For Benefit Of) they offered?
by ronney
Fri Apr 27, 2012 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard dump Small Business 401k again?
Replies: 3
Views: 883

Re: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose

Hi, After further research , this is what I have found so far. Costco/Intuit 401k plan is run by company called "The Online 401k". The plan exactly matches the product called Express(k). http://www.theonline401k.com/expressk/index.html Their fee structure is slightly different than what Co...
by ronney
Sun Apr 22, 2012 1:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose
Replies: 7
Views: 2227

Re: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose

Hi,

I have updated the original post with more information, after getting more data from my HR Manager. Please help me in choosing right 401k for our company.
by ronney
Sat Apr 21, 2012 11:35 am
 
Forum: Investing - Help with Personal Investments
Topic: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose
Replies: 7
Views: 2227

Re: Intuit 401k Vs Vanguard 401k

Hi Random Musings, One thing I have to tell about Intuit 401k is all the Fees and everything for both Employer and Employee is available online. I am still surprised to find that Vanguard is not disclosing the fees for Small Business 401K online. The only page available on Vanguard website is this o...
by ronney
Fri Apr 20, 2012 2:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose
Replies: 7
Views: 2227

Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose

Hi, Looks like finally my dream to get the Vanguard 401k at my company is coming true. For last 2 years I have been asking the Management to change our Current 401k to Vanguard Small Business 401k. Since now we are moving our payroll to Quick-books online, they are also considering 401k change. The ...
by ronney
Fri Apr 20, 2012 2:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Costco/Intuit 401k Vs Vanguard 401k : Help Me Choose
Replies: 7
Views: 2227

Re: Portfolio Advice, Review & Analysis

Hi livesoft,

Looks like i have to work on my Thread Synchronization. I have got your point to look into 457B to achieve my desired asset allocation.
by ronney
Mon Apr 09, 2012 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Portfolio Advice, Review & Analysis

Hi livesoft, The current 401k is set to 60% S&P 500 and 40% PIMCO. Also 457B holds Fidelity Puritan(R) Fund (FPURX) which is 60% Stocks and 40% Bond. The problem is coming from both Roth IRAs. Which I an split so one also has Total Bond Market and another one to have Total International Stock Ma...
by ronney
Mon Apr 09, 2012 10:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Portfolio Advice, Review & Analysis

Hi livesoft, As you can look at my current allocation, I went on the simplicity route this year by making sure I have one fund in one account, and In doing that I am having really hard time to come up with a Desired Asset Allocation among this four account. And the constrain is this allocation needs...
by ronney
Mon Apr 09, 2012 10:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Portfolio Advice, Review & Analysis

Hi livesoft,

Let the Game Begins. I will let you guys know whats my final allocation after my trial and error Assault.
by ronney
Mon Apr 09, 2012 10:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Portfolio Advice, Review & Analysis

I did some more research with Morningstar X-Ray tool. Here is my Asset Allocation. (Long%) (Short%) (Total) Cash (17.77) (-24.93) (-7.17) U.S.Stocks (35.11) (0.00) (35.11) Foreign Stocks (1.56) (0.00) (1.56) Bonds (72.22) (-1.56) (70.66) Other (0.72) (-0.89) ( -0.17) Not Classified (0.00) (0.00) (0....
by ronney
Mon Apr 09, 2012 10:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Advice on 529 in CA

Hi letsgobobby,

Does Utah plan also have these features?
- This account counts towards the Voyager, Voyager Select, or Flagship status
- Upromise rewards service
by ronney
Thu Apr 05, 2012 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 in CA
Replies: 22
Views: 1791

Re: Portfolio Advice, Review & Analysis

Hi,

Bumping up...to get super Boglehead answer.
by ronney
Thu Apr 05, 2012 11:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Advice on 529 in CA

Hi Arla, I was in similar situation 1 month ago. After debating between CA 529 vs Utah 529 vs Vanguard 529 Plan. Here is my final conclusion. I have yet to open it but when I am ready for it I will open Vanguard 529 Plan. After further research, Looks like Vanguard 529 Plan looks impressive, - 0.25 ...
by ronney
Tue Apr 03, 2012 11:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice on 529 in CA
Replies: 22
Views: 1791

Re: Portfolio Advice, Review & Analysis

Hi Pennstateclj1, Thanks for your reply. I have updated the original post with information about when i took out that Mortgage. I have 13 Years & 8 Months to go to finish it. Here is the line that started all simplification on my side in realm of investment. "The enemy of a good plan is the...
by ronney
Tue Apr 03, 2012 11:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Portfolio Advice, Review & Analysis

Hi, Would like to review and get some advice on how to go ahead and improve my current portfolio to reach the one i desired to have. I have been following this forum for last 4-5 years, but things were keep changing in my life during this period and finally all the dust has been settled now. After f...
by ronney
Mon Apr 02, 2012 10:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice, Review & Analysis
Replies: 12
Views: 792

Re: Explain Double Taxation?

Hi,

Need more input on different Capital Gains Double Taxation? How does it differ from Interest & Dividend ?

This whole question is to understand the Taxes on different Investment Vehicles, without any Political Motives.
by ronney
Sun Mar 25, 2012 5:00 pm
 
Forum: Investing - Theory, News & General
Topic: Explain Double Taxation?
Replies: 21
Views: 1336

Re: Explain Double Taxation?

Hi, But Since Corporation are Virtual Entity and has Tax ID , Taxes on Dividend are paid by two different entity One by Corporation and Another by Individual with SSN. If you consider that than we do this all the times when you Buy something from WallMart (e.g. Book), Before book comes to you , The ...
by ronney
Sun Mar 25, 2012 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Explain Double Taxation?
Replies: 21
Views: 1336

Explain Double Taxation?

Hi, I have tried to understand the issue of Double Taxation but time and time I have failed. Q1) Why taxes paid on Dividend & Capital Gains are consider Double Taxation? Q2) Why taxes paid on Interest [Saving Account or CD] is not Double Taxation? Q3) Can some one give me insight on what Mr Bogl...
by ronney
Sun Mar 25, 2012 1:19 pm
 
Forum: Investing - Theory, News & General
Topic: Explain Double Taxation?
Replies: 21
Views: 1336

Re: Investing in Indian CDs for Indian Expats (NRIs)

Hi gatorking,

Thanks for the insight, Never looked at that way. Was always looking for Long Term 5 Years Rate at FCNR account.

http://www.icicibank.com/pfsuser/icicib ... fcnrfd.htm
by ronney
Fri Mar 23, 2012 5:56 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Indian CDs for Indian Expats (NRIs)
Replies: 43
Views: 4989

Re: Investing in Indian CDs for Indian Expats (NRIs)

Hi rr2, Here is what , I mean by (Spend money in India). Lets say you put 500K Rs at 10% in Indian CD [Fixed Deposit] , this will earn you 50K Rs every year. So, When you go to India for visit lets say after 3 years. You can spend the Interest earned [150K Rs] and you don't have to worry about sendi...
by ronney
Fri Mar 23, 2012 4:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Investing in Indian CDs for Indian Expats (NRIs)
Replies: 43
Views: 4989
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