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Re: today's Dilbert cartoon

Ironically, it actually presents a case for investing in Hedge funds.
by sage_joch
Wed Apr 17, 2013 11:11 pm
 
Forum: Investing - Theory, News & General
Topic: today's Dilbert cartoon
Replies: 31
Views: 4948

Re: Mystery dividend

Thanks livesoft. It was paid yesterday. I'll assume it's your last guess, even though it's still odd.
by sage_joch
Fri Dec 28, 2012 9:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mystery dividend
Replies: 3
Views: 584

Mystery dividend

Today in my Vanguard account I noticed a small dividend from CCU of about $0.0448/share. The weird thing is I sold all of my CCU shares in March. Note there was a split last week of 2.5:1 - the per-share amount above is based on the number of shares I would have today if I hadn't sold. Any possible ...
by sage_joch
Fri Dec 28, 2012 8:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mystery dividend
Replies: 3
Views: 584

Re: No SS tax withholding in today's paycheck

bicker wrote:So basically you just told us your annual salary.

;)


:oops:

Thanks guys.
by sage_joch
Fri Dec 28, 2012 2:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: No SS tax withholding in today's paycheck
Replies: 12
Views: 1013

No SS tax withholding in today's paycheck

I noticed today's check was a bit higher, and when I looked more closely I saw that SS taxes were not being withheld today. Any ideas why this might be the case?
by sage_joch
Fri Dec 28, 2012 1:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: No SS tax withholding in today's paycheck
Replies: 12
Views: 1013

A concern about rebalancing

Do people here typically rebalance their taxable accounts during the accumulation phase? It seems like it would be cheaper (tax-wise) to just direct new funds towards the desired AA.
by sage_joch
Sun Dec 23, 2012 6:38 pm
 
Forum: Investing - Theory, News & General
Topic: A concern about rebalancing
Replies: 6
Views: 704

Re: Is Mint a security risk?

I was talking to a coworker about this and he came up with one of the best ideas I've ever heard: an optional read-only password that you could use for places like Mint, etc.
by sage_joch
Tue Dec 18, 2012 8:54 pm
 
Forum: Personal Consumer Issues
Topic: Is Mint a security risk?
Replies: 21
Views: 2171

Re: Dear Bogleheads - time to pony up

Money well spent. :D

*bump*
by sage_joch
Sun Nov 04, 2012 12:29 am
 
Forum: Forum Issues and Administration
Topic: [merged donation threads] Dear Bogleheads - time to pony up
Replies: 277
Views: 15185

Re: Your Best One Line of Wisdom

"If you're not greedy, you will go far."

-The Oompa Loompas
by sage_joch
Sat Oct 20, 2012 4:39 pm
 
Forum: Investing - Theory, News & General
Topic: Your Best One Line of Wisdom
Replies: 238
Views: 15148

Re: Bonds are getting stupid everywhere

Crap deal...... You know something the market doesn't? He was comparing bonds to cash. It seems like cash has nearly the same yield as bonds, without the rate risk. You can speculate with bonds and hope for capital gains, but their fundamental value is ultimately what they yield. So why does anyone...
by sage_joch
Sun Jul 22, 2012 6:21 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds are getting stupid everywhere
Replies: 27
Views: 3946

Re: Bonds are getting stupid everywhere

Crap deal...... You know something the market doesn't? He was comparing bonds to cash. It seems like cash has nearly the same yield as bonds, without the rate risk. You can speculate with bonds and hope for capital gains, but their fundamental value is ultimately what they yield. So why does anyone...
by sage_joch
Sat Jul 21, 2012 8:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds are getting stupid everywhere
Replies: 27
Views: 3946

Re: Should I avoid total stock market index funds?

Exactly the same as a dividend company where you reinvest the dividends. But what about when you invest those dividends outside that company? Mathematically equivalent to selling shares of a non-dividend company and re-investing the proceeds in another company. SSSS, I've always wondered if this is...
by sage_joch
Sat Jul 21, 2012 6:43 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

Would you agree the board put together her comp package with shareholder value in mind? I suppose you have a point. I can be a worrier sometimes. :| Asking "Should I avoid total stock market index funds?" on the bogleheads forum is like asking "Should I avoid fruits and vegetables?&q...
by sage_joch
Sat Jul 21, 2012 6:25 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

And even if you owned the stocks directly, your vote wouldn't matter. However, institutional investors do vote, and their vote does matter. if you look at the minutes of the board meetings of these big corporations, you'll see that everything they do is in the best interest of shareholders. The con...
by sage_joch
Sat Jul 21, 2012 5:31 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

Sage, I wonder why you are focusing on index funds instead of investing in general. Do you really think some, or any, fund manager can pick good stocks if there is manipulation going on that they don't have any more insight into than we do? Perhaps to elicit more responses here :oops:. For what it'...
by sage_joch
Sat Jul 21, 2012 2:57 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

I wonder if the answer is simply that tech stocks are more of an all-or-nothing game. if you think it is a game,you are right! It is no place for you to invest in TSM,you better go to the short- term thinkers camp. :happy To be clear, I am a buy-and-hold indexer. I still think it's a game, though; ...
by sage_joch
Sat Jul 21, 2012 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

But I was concerned specifically about the prevalence of big/successful companies that prove worthless to hold forever. These specific companies had boards that were not acting in the best interests of their shareholders (whether through incompetence or malice I don't know). Shareholders are the ul...
by sage_joch
Sat Jul 21, 2012 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

Fair enough, but exactly which big and successful companies are going to prove worthless in the future? Give us a hint and perhaps Vanguard can create an index fund that avoids them. I think there could be some method for finding companies that haven't grown for a while but also have shown no sign ...
by sage_joch
Fri Jul 20, 2012 11:30 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Should I avoid total stock market index funds?

Taylor, I'm aware of the many positives of index funds. I'm an indexer myself. But I was concerned specifically about the prevalence of big/successful companies that prove worthless to hold forever. These specific companies had boards that were not acting in the best interests of their shareholders ...
by sage_joch
Fri Jul 20, 2012 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Should I avoid total stock market index funds?

Something has been bothering me lately, and I am wondering if this community can weigh in. There seems to be a non-negligible number of companies that grow to become big and successful, plateau and eventually decline, but never return a PENNY to the buy-and-hold-forever investor. Some examples that ...
by sage_joch
Fri Jul 20, 2012 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Should I avoid total stock market index funds?
Replies: 45
Views: 4024

Re: Mature Bogelheads: What did you wish you knew at 18 or 2

You can save yourself a lot of grief if you're just direct with people.
by sage_joch
Sat Jun 23, 2012 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: Mature Bogelheads: What did you wish you knew at 18 or 25?
Replies: 88
Views: 7563

Re: Which Vanguard Dividend Equity Fund?

I'm not a big fan of VDAIX. Its expense ratio (.25%) is much higher than VTSAX (.06%, assuming you have enough for admiral shares), and if you look at its dividends over the last decade, they really haven't been growing much at all.
by sage_joch
Sun Jun 10, 2012 8:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Dividend Equity Fund?
Replies: 6
Views: 797

Re: If someone owned the entire stock market...

The point of my question was to ask how much ownership is lost because of dilution. Maybe I should have phrased things differently.
by sage_joch
Sat Jun 02, 2012 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: If someone owned the entire stock market...
Replies: 3
Views: 360

If someone owned the entire stock market...

If someone owned the entire stock market, what percentage of the market would he/she own after one year?

I assume it would be less than 100% because of share dilution (via share/option grants), but I'm wondering how much less?
by sage_joch
Sat Jun 02, 2012 5:22 pm
 
Forum: Investing - Theory, News & General
Topic: If someone owned the entire stock market...
Replies: 3
Views: 360

Re: Help With Small Windfall in 5 Years?

With the amount you'll be investing, you should be able to get admiral shares (equivalent but with lower fees). It might do this automatically, but in case it doesn't:

VTSMX -> VTSAX
VGTSX -> VTIAX
VBMFX -> VBTLX
by sage_joch
Tue May 15, 2012 12:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Help With Small Windfall in 5 Years?
Replies: 17
Views: 1356

Re: Money and in-laws (Part 2): Cosign a loan?

I registered just to comment. Don't give him a penny. I don't even know the guy and he pisses me off. Who cares what he thinks of you? He's a big kid and you're not responsible for him.
by sage_joch
Sun May 13, 2012 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Money and in-laws (Part 2): Cosign a loan?
Replies: 54
Views: 4647

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