Search found 691 matches

by hlfo718
Tue Feb 09, 2016 3:48 pm
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard
Replies: 27
Views: 2108

Re: Schwab vs Vanguard

Vanguard for sure. Index funds for taxable accounts and Wellington/Wellesley for tax free/deferred accounts. Have you noticed the costs for the two Wellington/Wellesley funds? Wow!
by hlfo718
Fri Feb 05, 2016 12:15 pm
Forum: Investing - Theory, News & General
Topic: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?
Replies: 20
Views: 991

Re: Is there any investment that lets you get in/out whenever you want, and govt-guarantees you CPI as a return?

i-bonds can satisfy gov't backed and CPI but you have to hold for at least one year with penalty and there is a $ limit.
by hlfo718
Wed Jan 27, 2016 12:28 pm
Forum: Investing - Help with Personal Investments
Topic: Zero Coupon Bond Value Question
Replies: 41
Views: 1738

Re: Zero Coupon Bond Value Question

Is this a muni bond? Based on your quote of $7,750, the remaining appreciation is roughly 3.74% a year. Will a stock or balance portfolio do better, no one knows but is not such a high hurdle to overcome.
by hlfo718
Fri Jan 22, 2016 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Double Check your Dividends in Vanguard Brokerage Account(s)
Replies: 11
Views: 789

Re: Double Check your Dividends in Vanguard Brokerage Account(s)

I wish someone from Vanguard can come answer some of these questions. If one account is short $300 that means someone has this $300 in the account by mistake. Or did Vanguard sat on this money? I guess I should also do a periodic check to make sure there were no errors in my accounts but is such a p...
by hlfo718
Tue Jan 05, 2016 5:18 pm
Forum: Investing - Theory, News & General
Topic: PenFed CD ALERT !
Replies: 10
Views: 3328

Re: PenFed CD ALERT !

Keep us posted. Probably 0.25% like the rate hike? Would like to earn 2% on 1 year CD one of these days.
by hlfo718
Mon Jan 04, 2016 4:32 pm
Forum: Investing - Theory, News & General
Topic: Article: Stocks overvalued and could see 50%+ drop
Replies: 29
Views: 3993

Re: Article: Stocks overvalued and could see 50%+ drop

I am shocked! Not about market going down 50% but that I don't see this headline on Marketwatch since they normally have such headliner every day. I guess if you but that up enough you will get it right eventually.
by hlfo718
Tue Dec 22, 2015 11:08 am
Forum: Investing - Help with Personal Investments
Topic: 24 Years Old in NYC
Replies: 7
Views: 1379

Re: 24 Years Old in NYC

Do you want to stay in Manhattan or do you mind moving to the boroughs like queens/brooklyn. But has to be deeper in since LIC and most parts of brooklyn are way over priced. If you add $1,000 a month to your current rent, you can live in a nice or nicer apartment out there and some have amenities l...
by hlfo718
Wed Dec 09, 2015 12:01 pm
Forum: Investing - Theory, News & General
Topic: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns
Replies: 17
Views: 1671

Re: Private Equity Fees Are Sky-High, Yes, but Look at Those Returns

Their fiscal year ends on June 30 so compared to Vang Total World, Calpers equity return is about what the index delivered. Most endowments/inst have access to the top PE funds now. Is just the individual investors including high net worth are kept out and i think is a good thing. The returns in the...
by hlfo718
Thu Dec 03, 2015 8:14 am
Forum: Personal Consumer Issues
Topic: Realtor Negotiating Advice
Replies: 44
Views: 3956

Re: Realtor Negotiating Advice

If your home is in a highly desired area then yes and negotiate. But if your home is in bad shape and in the middle of no where, that will make the agent's job tougher, hence I think they deserve slightly higher commission. I sold my house in a nice area over 10 years ago and negotiated the rate dow...
by hlfo718
Wed Nov 25, 2015 11:12 am
Forum: Personal Finance (Not Investing)
Topic: Friend of the family having difficult time
Replies: 21
Views: 4760

Re: Friend of the family having difficult time

Can she sell that life policy to an investor and get cash upfront? Off course someone will need to help her understand the terms and legal jargon.
by hlfo718
Wed Nov 25, 2015 11:08 am
Forum: Personal Consumer Issues
Topic: Bath tub - Replace - Written quote - $2,500+
Replies: 16
Views: 1181

Re: Bath tub - Replace - Written quote - $2,500+

And is not drywall, is cement board with waterproof in the back or upfront before the tiling. Make sure is done right or there will be leaks again in the future.
by hlfo718
Fri Nov 20, 2015 8:52 am
Forum: Investing - Theory, News & General
Topic: Prominent hedge funds having a tough year
Replies: 27
Views: 2423

Re: Prominent hedge funds having a tough year

They call themselves hedge funds because of the fee structure. Otherwise they can "only" charge 1% for their long only product, just like other mutual funds. Then these hedge fund managers can't be billionaires and buy up yachts and multi apartments around the world. Don't worry, many of t...
by hlfo718
Thu Nov 19, 2015 8:52 am
Forum: Personal Consumer Issues
Topic: Apartments with PTAC Units [Packaged Terminal Air Conditioner]
Replies: 5
Views: 421

Apartments with PTAC Units [Packaged Terminal Air Conditioner]

Hi, Just curious if anyone here is familiar with these apartment heating/cooling units that are in use all over NYC. We currently live in an old apartment that has radiator heat, which is fine but my spouse and I have allergies and the dry air is causing us to have sinus infection every few weeks. T...
by hlfo718
Wed Oct 28, 2015 7:33 am
Forum: Investing - Help with Personal Investments
Topic: Morgan Stanley Trak Funds
Replies: 2
Views: 287

Re: Morgan Stanley Trak Funds

If it is a proprietary fund you won't be able to move it directly to Vanguard. You will first need to sell then move cash to Vanguard or elsewhere. You need to ask your dad if he is fine with that and read the prospectus or other offering docs to see the terms for redemption fees, if any.
by hlfo718
Wed Oct 28, 2015 7:25 am
Forum: Personal Finance (Not Investing)
Topic: whole life pitched as way to pay for kids college
Replies: 67
Views: 7184

Re: whole life pitched as way to pay for kids college

If the agent is saying you are getting a 5% return, have she/he put in an email and send to you. If she/he won't then you know is a lie. My wife's co-worker was promised a high return until I told her to have the agent put it in writing. Agent never responded.
by hlfo718
Tue Oct 20, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: 2nd Home Mortgage deduction
Replies: 3
Views: 398

2nd Home Mortgage deduction

Hi BHs,

My spouse and I live in an apartment and looking to purchase a 2nd apartment in the same complex for my mother since she is getting older and needs us to be near her. Can I deduct the mortgage interest from both apartment even though the 2nd apartment is not our primary residence?

Thank you
by hlfo718
Thu Oct 15, 2015 8:06 am
Forum: Investing - Help with Personal Investments
Topic: Transfer Health Savings Administrators HSA to UMB?
Replies: 10
Views: 1008

Re: Transfer Health Savings Administrators HSA to UMB?

UMB is a good little bank based out of Milwaukee, i think. I dealt with them a while back and no complaints about them at all.
by hlfo718
Wed Oct 07, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Internal Rate of Return Calculation Question
Replies: 21
Views: 1187

Re: Internal Rate of Return Calculation Question

your error is due to something else since XIRR does and will produce a negative return. Check your formula like the minus sign or date. One thing I have noticed in excel is that sometimes the sheet gets stale and the formula stops working when you input new data in the column. Not sure if any one ex...
by hlfo718
Wed Oct 07, 2015 3:15 pm
Forum: Personal Finance (Not Investing)
Topic: Wellington vs my idea what do you think of it?
Replies: 19
Views: 2243

Re: Wellington vs my idea what do you think of it?

Didn't rates go down this year since both of my Vang Int IG and Trea are up? Keep saying rates will go up and eventually it will.

Here is my prediction, stocks will go up.
by hlfo718
Wed Oct 07, 2015 7:35 am
Forum: Investing - Help with Personal Investments
Topic: UK expats - offshore bonds
Replies: 2
Views: 240

Re: UK expats - offshore bonds

Can't you just buy an index fund from Vanguard UK?

https://www.vanguard.co.uk/uk/portal/in ... =indexFund
by hlfo718
Fri Oct 02, 2015 2:20 pm
Forum: Personal Finance (Not Investing)
Topic: 403b Catch Up
Replies: 4
Views: 390

403b Catch Up

Hi,

My spouse will turn 50 in middle of 2016. How does the catch up work? Do you simply change the withholding amount the day you turn 50 or can that be done on Jan 1st or are there some other rules?

Thanks
by hlfo718
Fri Oct 02, 2015 8:09 am
Forum: Personal Consumer Issues
Topic: Dental savings discount plans for implants?
Replies: 16
Views: 1261

Re: Dental savings discount plans for implants?

Years ago my employer didn't offer dental insurance so I looked at a few dental discount clubs. When I called a few dentists from the list, they didn't participate and never even heard of those plans. One dentist asked me why pay for a plan when you can just ask me to work out the payment and discou...
by hlfo718
Tue Sep 29, 2015 3:19 pm
Forum: Personal Finance (Not Investing)
Topic: highest cash paying credit card
Replies: 8
Views: 1438

Re: highest cash paying credit card

That's the highest so far. I think the next one is Cap One but is only 1.5%.
by hlfo718
Wed Sep 23, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Contractor payments
Replies: 10
Views: 984

Re: Contractor payments

Is he lic and insured? If not I wouldn't even bother to use him. Ideally he is bonded as well but that is rare. Tell him you will pay for half of the cabinets now and the other half when completed and inspected by you with no issues. Otherwise what if he delivers something completely diff or damaged...
by hlfo718
Wed Sep 23, 2015 8:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 108200

Re: Vanguard could owe billions in back taxes

I never understand the argument of charging "too little" is illegal even it is a for profit organization. Wouldn't that also impact other low cost fund providers such as Fidelity and Schwab where their fees are pretty much the same as Vanguard's? Given the size of Vanguard's assets, what i...
by hlfo718
Tue Sep 22, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: What are the index fund costs beyond bid ask?
Replies: 13
Views: 977

Re: What are the index fund costs beyond bid ask?

For int'l funds the custody fee is more expensive than domestic funds. Custody fee normally breaks down to two major areas, transaction fees and safe keeping fee. Transaction fee is per transaction whereas safe keeping fee is per AUM of each country. But given the size of Vang and how cost conscienc...
by hlfo718
Mon Sep 21, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: Anyone use pre paid cell phone planns???
Replies: 27
Views: 2536

Re: Anyone use pre paid cell phone planns???

Switched to P-Tel about two months ago. Price is really cheap, $30 unlimited calls/text and 1GB on T-Mobile's 4G LTE. Got the Moto E from Amazon and everything is working out with no issues.
by hlfo718
Tue Sep 15, 2015 2:51 pm
Forum: Personal Consumer Issues
Topic: Quiet thru the wall Air Conditioner
Replies: 12
Views: 945

Re: Quiet thru the wall Air Conditioner

Unfortunately no such thing. Tried looking for one for my mother but they are all noisy, less powerful and pricier than window ACs.
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: 771

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: 921

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: 568

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: 224

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: 4964

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: 700

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: 1557

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: 3248

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: 3101

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: 1938

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: 4264

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: 1013

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: 423

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: 1362

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: 3119

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: 1148

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: 2504

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: 1280

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: 4248

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: 1699

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: 538

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: 3088

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.

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