Search found 1401 matches

by jhfenton
Sat Jan 21, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard sells shares at 42% discount! Did you get in on the deal?
Replies: 11
Views: 2051

Re: Vanguard sells shares at 42% discount! Did you get in on the deal?

Yep. I do it all the time. :sharebeer I assume that anything less than 0.0005 would get rounded to 0.000, so I haven't tried it. I make sure the rounding is always in my favor. On the flip side, I seem to get killed by the rounding in my HSA buying shares of VFIAX at $209.75 with $239.58 biweekly pa...
by jhfenton
Sat Jan 21, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Does it matter which index Bond fund you invest in?
Replies: 16
Views: 1453

Re: Does it matter which index Bond fund you invest in?

Thank you everyone for the corrections. I couldn't seem to get a growth chart with the etf (rather than a price chart), not sure why. I'll have to check on that. That's M* thinking it knows what you want. An ETF chart? You must be a trader! You get a price chart! A mutual fund chart? Long-term inve...
by jhfenton
Fri Jan 20, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Dividend Yield in Admiral?
Replies: 9
Views: 3858

Re: Vanguard High Dividend Yield in Admiral?

why is the mutual fund with 0.16% expense ratio but ETF with 0.09% expense ratio? ETFs are generally cheaper across the board than their corresponding mutual fund. http://www.investopedia.com/articles/investing/102915/why-are-etf-fees-lower-mutual-funds.asp None of that applies to Vanguard funds. A...
by jhfenton
Fri Jan 20, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: International equity allocation - do you tilt to EM?
Replies: 20
Views: 1121

Re: International equity allocation - do you tilt to EM?

I do. We're 88% equity, 12% fixed income (and gliding). Of the equity, we're 50% US, 50% international. Of the international, we're 1/3 Developed Markets, 1/3 ex-US Small, 1/3 EM. Counting the share of EM in the ex-US Small cap fund, our international is roughly 40% EM. 6 equity and 3 bond funds is ...
by jhfenton
Fri Jan 20, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Dividend Yield in Admiral?
Replies: 9
Views: 3858

Re: Vanguard High Dividend Yield in Admiral?

why is the mutual fund with 0.16% expense ratio but ETF with 0.09% expense ratio? That goes back to the original question: there are no Admiral Shares. Admiral Shares with a $10,000 minimum (for index funds) usually have the same ER as the ETF shares. Investor Shares with a $3,000 minimum have high...
by jhfenton
Fri Jan 20, 2017 7:51 pm
Forum: Investing - Theory, News & General
Topic: Does it matter which index Bond fund you invest in?
Replies: 16
Views: 1453

Re: Does it matter which index Bond fund you invest in?

What do you think? I think you posted price charts, not total return charts. M* defaults to price charts for ETFs. You have to edit "etf" in the URL to "fund" to get the growth charts. http://i68.tinypic.com/2lnl0l.png Over the life of VCIT, it outperformed LQD by 2.4% in total ...
by jhfenton
Thu Jan 19, 2017 7:11 pm
Forum: Investing - Theory, News & General
Topic: When Bad Things Happen to Good Funds
Replies: 6
Views: 1231

Re: When Bad Things Happen to Good Funds

From the article: William Nygren has succeeded at a difficult task: picking stocks to deliver market-beating returns over long stretches of time. Both his $16.5 billion Oakmark Fund and his $5.6 billion Oakmark Select Fund have topped the S&P 500 by an annual average of more than a percentage p...
by jhfenton
Thu Jan 19, 2017 2:44 pm
Forum: Personal Consumer Issues
Topic: It is snowing again.
Replies: 11
Views: 1116

Re: It is snowing again.

Teague wrote:Thanks. I'm going long on road salt.

I don't know. That might be a risky bet. In Cincinnati, we're not supposed to be below freezing until next weekend, even overnight. It's supposed to be around 60*F the next three days.
by jhfenton
Thu Jan 19, 2017 2:39 pm
Forum: Personal Consumer Issues
Topic: New fiber internet security
Replies: 6
Views: 726

Re: New fiber internet security

Have you tried poking around yourself? Many times they say that so their phone support can easily help out. If you have difficulty and all your passwords are different than the default it makes the $10/hr front line reps look helpless. Usually you just have to log into 192.168.1.1 or 192.168.0.1 fr...
by jhfenton
Thu Jan 19, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Downgrade to an old-style Vanguard mutual fund account?
Replies: 25
Views: 2473

Re: Downgrade to an old-style Vanguard mutual fund account?

Why would you even care about the ability to do mobile check deposits? :oops: It seems like an extremely unimportant and obscure feature, the lack of which could not be any impediment to doing anything you need to do. I find this question curious. At Bank of America, alone, 17% of all deposits are ...
by jhfenton
Thu Jan 19, 2017 1:54 pm
Forum: Investing - Theory, News & General
Topic: American Century decreasing stock allocations - Interesting article
Replies: 11
Views: 1254

Re: American Century decreasing stock allocations - Interesting article

Finally, it should be noted that we are firm believers in active portfolio management’s ability to produce the desired financial outcomes for shareholders. It's exactly the market-timing nonsense I'd expect from American Century. One reason I would never do business with them. Folks here complain a...
by jhfenton
Thu Jan 19, 2017 10:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8321

Re: Vanguard's new "account overview" page... BOO!

I also have a "20 inch" 1600x900 pixel screen, which frankly looks gigantic to me, screen real estate beyond anything I ever dreamed of, even though my kids keep saying I should shell out for a bigger one because, look, Dad, it's 2017. The horror! I use two screens that size at work (plus...
by jhfenton
Wed Jan 18, 2017 4:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 98
Views: 8321

Re: Vanguard's new "account overview" page... BOO!

Has anyone noticed the new matching "simplified" mutual fund purchase page? You can still click through to the "full"/old page for anything complicated, but it shows that they're heading the same design direction with the whole site: VERY LARGE AND WHITE.
by jhfenton
Wed Jan 18, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage: Funds available to trade
Replies: 12
Views: 495

Re: Vanguard brokerage: Funds available to trade

I think you would be okay to trade with the unsettled funds if you bought an ETF or a stock where the trade settles three days later. The TIPS interest will have settled by then. Buying a mutual fund, the trade would settle at today's close and the funds are not there yet. Vanguard brokerage allows...
by jhfenton
Tue Jan 17, 2017 9:08 pm
Forum: Investing - Help with Personal Investments
Topic: Short and Intermediate Term Bond Funds
Replies: 14
Views: 1798

Re: Short and Intermediate Term Bond Funds

Our current fixed income allocation (12% of portfolio): Small lot Brokered CD ladder @ 66% of fixed income (completely illiquid, intermediate duration) VSIGX (Vanguard Intermediate Government Bond Index Admiral) @ 15% VSCSX (Vanguard Short-Term Corporate Bond Index Admiral) @ 15% VOHIX (Vanguard Ohi...
by jhfenton
Tue Jan 17, 2017 3:55 pm
Forum: Investing - Help with Personal Investments
Topic: Option to Transfer Over my 401k to a Self Directed Account through TD Ameritrade
Replies: 10
Views: 289

Re: Option to Transfer Over my 401k to a Self Directed Account through TD Ameritrade

Unless my 401(k) were such a tiny part of my overall retirement portfolio that I could put everything into the Vanguard Inst Index, I would definitely take advantage of the self-directed brokerage option. We have a heavily tilted portfolio, so I'm going to want other options beyond an S&P 500 fu...
by jhfenton
Tue Jan 17, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: mirror image of VBINX
Replies: 6
Views: 413

Re: mirror image of VBINX

Wellington :happy Wellington is 2/3 stocks, 1/3 bonds. You'd have to mix it with Wellesley in the right ratio. :beer Life Strategy Conservative Growth (as mentioned by Levett) is the only single-fund 40/60 Vanguard option I know. It's perfect if you're OK with the international stock and internatio...
by jhfenton
Sat Jan 14, 2017 8:43 am
Forum: Investing - Theory, News & General
Topic: Best Chart Sites for Total Returns on Mutual Funds?
Replies: 12
Views: 2696

Re: Best Chart Sites for Total Returns on Mutual Funds?

For example, plotting VTSMX to force the growth chart, ..... Are you saying that if you plot an ETF first and then add a mutual fund it will only plot price? Yes. It's a bit silly, since long-term investors should have little interest in price charts, but it seems to be built under the assumption t...
by jhfenton
Sat Jan 14, 2017 8:36 am
Forum: Investing - Theory, News & General
Topic: 100% equities in Roth part of portfolio?
Replies: 19
Views: 2117

Re: 100% equities in Roth part of portfolio?

I have our Roth's entirely in equities: a mix of small cap value, international small cap, and emerging markets. Our fixed income--brokered CDs, Vang Int Govt Bd Index Admiral, & Vang ST Corp Bd Indx Adm--is mostly in my wife's rollover IRA, our largest single account. We also have a tiny bit of...
by jhfenton
Fri Jan 13, 2017 1:51 pm
Forum: Investing - Help with Personal Investments
Topic: Cost/fees for buying/selling Vanguard brokered CDs
Replies: 10
Views: 981

Re: Cost/fees for buying/selling Vanguard brokered CDs

I have some Vanguard mutual funds as part of my Roth IRA. I'm thinking of buying some CDs with some of the money from my mutual funds (while keeping it as part of my Roth IRA.) I know that, if I buy the CDs through Vanguard, I must open a Vanguard brokerage account. I just want to know what fees Va...
by jhfenton
Fri Jan 13, 2017 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2651

Re: Vanguard VTSAX Admiral Funds

Can you purchase the Admiral funds from your Fidelity account? Or do you have to have a Vanguard account to get access to the Admiral funds? If you have a Fidelity account, it likely makes sense to use their low-cost index funds rather than buying Admiral shares of Vanguard funds. Agreed. If I had ...
by jhfenton
Thu Jan 12, 2017 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2651

Re: Vanguard VTSAX Admiral Funds

It's a completely different discussion, but not all of us would agree that Total Stock represents maximum diversity. I would consider Total Stock + Small (Value) more diverse than just the former. As folks are fond of pointing out, Total Stock is almost indistinguishable from the straight Large Cap ...
by jhfenton
Thu Jan 12, 2017 1:27 pm
Forum: Investing - Help with Personal Investments
Topic: I'm weary of unitized funds...is it irrational?
Replies: 21
Views: 1293

Re: I'm weary of unitized funds...is it irrational?

Alas, it was my misuse of the English language that drew the ire of my fellow man. "Ire"? You think someone was angry with you? I give up. Don't give up. But please educate me: what is a "unitized fund"? I've never heard that term either, but from the context I assumed that the ...
by jhfenton
Wed Jan 11, 2017 12:48 pm
Forum: Personal Consumer Issues
Topic: Shutterbugs - How do you organize your digital photos?
Replies: 44
Views: 2712

Re: Shutterbugs - How do you organize your digital photos?

I also use Lightroom to process and tag most of our photos, at least those taken with our Nikon DSLR. I have the Lightroom folder, several hundred GB in size, in a sub-folder in the OneDrive folder on our Mac. That way they get backed up to Microsoft's cloud in addition to our other backups. Our pho...
by jhfenton
Wed Jan 11, 2017 8:37 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2651

Re: Vanguard VTSAX Admiral Funds

If your balance dips below $10,000 solely because of market fluctuations, you can keep the Admiral Shares. You will not be downgraded to Investor Shares. Just don't sell any shares to take you below $10,000 (or sell any while you're below $10,000). Is this stated Vanguard policy or just something p...
by jhfenton
Wed Jan 11, 2017 7:44 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTSAX Admiral Funds
Replies: 25
Views: 2651

Re: Vanguard VTSAX Admiral Funds

If your balance dips below $10,000 solely because of market fluctuations, you can keep the Admiral Shares. You will not be downgraded to Investor Shares. Just don't sell any shares to take you below $10,000 (or sell any while you're below $10,000).
by jhfenton
Mon Jan 09, 2017 2:10 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Investor Shares?
Replies: 4
Views: 463

Re: ETF vs Investor Shares?

If I had $9,000 to divide in a Roth IRA among those 3 funds 1/3 each, I'd buy as many shares of VBR and VNQ as I could with $3,000 each, and then put the remaining $3,0xx in VBMFX (Total Bond Investor Shares). And I'd keep that basic principle up as I added new money. Once I got to $10,000 each, I'd...
by jhfenton
Mon Jan 09, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 30
Views: 2560

Re: New Vanguard Emerging Market Bond Fund

On my drive to work this morning, I was listening to a year-end M* podcast, and they mentioned that Vanguard launched a new EM bond fund in 2016 and that reminded me of this fund ( VEMBX ). Looking at Vanguard's websites, it appears that they have still not really launched it. It doesn't appear any...
by jhfenton
Mon Jan 09, 2017 9:26 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 30
Views: 2560

Re: New Vanguard Emerging Market Bond Fund

On my drive to work this morning, I was listening to a year-end M* podcast, and they mentioned that Vanguard launched a new EM bond fund in 2016 and that reminded me of this fund ( VEMBX ). Looking at Vanguard's websites, it appears that they have still not really launched it. It doesn't appear anyw...
by jhfenton
Sat Jan 07, 2017 8:13 am
Forum: Investing - Theory, News & General
Topic: "The 401k Problem We Refuse to Solve"
Replies: 49
Views: 4243

Re: "The 401k Problem We Refuse to Solve"

I'm already picturing the responses to this post. Debating topics like this on this forum is a bit like hanging out with triathletes and discussing why it's hard for the country to get exercise. I mean, what's so hard about it? You get up, run 10 miles, go to work, swim laps during your lunch break...
by jhfenton
Sat Jan 07, 2017 7:17 am
Forum: Investing - Help with Personal Investments
Topic: Anybody else Age - 10 in bonds, rest in stocks
Replies: 58
Views: 3868

Re: Anybody else Age - 10 in bonds, rest in stocks

Age 46, almost 47, 89% equities (50% international), 11% fixed income, shifting 2% per year.

So based on 12% at 47, we're at (Age - 41) * 2 in bonds.

We were 100% equities until 18 months ago. I decided we might be closer to retirement than I thought.
by jhfenton
Thu Jan 05, 2017 8:25 am
Forum: Personal Finance (Not Investing)
Topic: MA no longer offers state-run tax e-filing
Replies: 6
Views: 559

Re: MA no longer offers state-run tax e-filing

That's too bad. My condolences.

For Ohioans, I just checked, and Ohio's I-file individual free online e-filing still seems to be in place.
by jhfenton
Wed Jan 04, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 87
Views: 11382

Re: Vanguard upgrading to Brokerage account comes with some nuisances

@heartwood What's a check? That's usually how I feel. I may write one or two per year, usually for something at our kids' school. But I still manage to receive checks on a semi-regular basis. I was initially annoyed by the app's mobile deposit feature being broken, but I decided that I don't care. ...
by jhfenton
Wed Jan 04, 2017 8:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 87
Views: 11382

Re: Vanguard upgrading to Brokerage account comes with some nuisances

@heartwood What's a check? That's usually how I feel. I may write one or two per year, usually for something at our kids' school. But I still manage to receive checks on a semi-regular basis. I was initially annoyed by the app's mobile deposit feature being broken, but I decided that I don't care. ...
by jhfenton
Tue Jan 03, 2017 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1457

Re: Is this asset allocation correct?

The taxable muni bond market is pretty small. The ones I've seen are various state and local agency bonds for stadiums or pension under-funding. Hard to see why bonds like this would be included in a total bond index. But I'm not going to look through the thousands of bonds on the index to find out...
by jhfenton
Tue Jan 03, 2017 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1457

Re: Is this asset allocation correct?

You could try shortening the duration, but that will decrease the yield. Plus, I don't think vanguard has a short term muni fund, you might need to go with an etf if you really want munis. Vanguard does have a short term muni fund (VWSTX, VWSUX). Correct. They also have a Limited-Term Tax Exempt (V...
by jhfenton
Tue Jan 03, 2017 12:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1457

Re: Is this asset allocation correct?

Sorry. I was equating "muni" with "tax-exempt" although I've read that there are a small number of municipal bonds that are not tax-exempt. Can't say I would recognize a municipal bond that is not tax-exempt. Any examples come to mind? The taxable muni bond market is pretty smal...
by jhfenton
Tue Jan 03, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation correct?
Replies: 23
Views: 1457

Re: Is this asset allocation correct?

FBN2014 wrote:
retiredjg wrote:I'm pretty sure the Vanguard Total Bond Market index does not contain munis.


https://personal.vanguard.com/us/funds/ ... IntExt=INT

Vanguard Total Bond does not include tax-exempt muni bonds.
by jhfenton
Sun Jan 01, 2017 2:14 pm
Forum: Investing - Theory, News & General
Topic: What inflation rate do you use for your planning?
Replies: 67
Views: 4086

Re: What inflation rate do you use for your planning?

I don't. I'm nowhere near retirement, so I don't bother with projections.

If I did, I'd probably use 2%. Given the demographics in the U.S. and the rest of the developed world, I expect developed country inflation to stay low over the long-term.
by jhfenton
Sat Dec 31, 2016 1:28 pm
Forum: Investing - Theory, News & General
Topic: The average investor made just over 5% in 2016, according to Openfolio
Replies: 21
Views: 2887

Re: The average investor made just over 5% in 2016, according to Openfolio

Our dollar-weighted IRR was 12.51% for 2016 for our heavily-tilted, 50% international portfolio. At year-end, we're exactly 89.0% equities, 11.0% fixed income, but I've been increasing the fixed income steadily all year to catch up to where I decided we should be. (The target for 12/31/17 is 12%-13....
by jhfenton
Thu Dec 29, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: How many of you invest 100% at Vanguard?
Replies: 118
Views: 7264

Re: How many of you invest 100% at Vanguard?

My Roth IRA and brokerage account are at Vanguard. 401(k) and HSA are not, because that's up to my employer. It's the same for us. Our taxable brokerage, 2 Roths, and 2 rollover IRAs are all at Vanguard. My 401(k) is at Fidelity, and my HSA is at a local bank, both chosen by my employer. (But even ...
by jhfenton
Mon Dec 26, 2016 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Site Issues 12/25 and 12/26/16
Replies: 7
Views: 618

Re: Vanguard Site Issues 12/25 and 12/26/16

I have had no issues with the Vanguard site either. I was on Christmas morning briefly before the kids got up and again just now. I can't vouch for the 35 hours in between.
by jhfenton
Fri Dec 23, 2016 8:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Sector Bond Funds - Lowered Costs
Replies: 21
Views: 1960

Re: Vanguard Sector Bond Funds - Lowered Costs

All expense ratios are now 0.07% . Of course, this is backward-looking; it is possible that lower costs are ahead of us. I saw the press release this morning, checked my spreadsheet, and saw that I had already changed my ERs for VSIGX (Int Govt) and VSCSX (Short Corp) some weeks ago. That inspired ...
by jhfenton
Thu Dec 22, 2016 1:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Sector Bond Funds - Lowered Costs
Replies: 21
Views: 1960

Re: Vanguard Sector Bond Funds - Lowered Costs

All expense ratios are now 0.07% . Of course, this is backward-looking; it is possible that lower costs are ahead of us. I saw the press release this morning, checked my spreadsheet, and saw that I had already changed my ERs for VSIGX (Int Govt) and VSCSX (Short Corp) some weeks ago. That inspired ...
by jhfenton
Thu Dec 22, 2016 9:42 am
Forum: Investing - Help with Personal Investments
Topic: TD ameritrade No transaction funds
Replies: 17
Views: 964

Re: TD ameritrade No transaction funds

Thank you....I'm new to TD so I need to figure out their site. A CSR I spoke with at TD said Vanguard funds have a $25 transaction fee unless you can automate it then it would be just a 1 time fee for the setup. I'm not sure how often the automation needs to take place (once a month or ???). Thanks...
by jhfenton
Wed Dec 21, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: No safeguards for IRA overcontributions?
Replies: 7
Views: 588

Re: No safeguards for IRA overcontributions?

Actually, I would expect a brokerage to automatically reject excess contributions. Vanguard's system appears to do so. (It shows our current contributions by account--$5,500 Roth, $0 Traditional--sums them up--$5,500--and shows the remaining amount eligible to be contributed--$0.) TD Ameritrade's sy...
by jhfenton
Wed Dec 21, 2016 9:11 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX-Vanguard Prime Money Market Fund
Replies: 20
Views: 3364

Re: VMMXX-Vanguard Prime Money Market Fund

Currently (for me) Vanguard California Tax-Exempt Money Market Fund (VCTXX) is yielding more than the Vanguard Federal MM settlement fund. So I will be transferring & keeping most or all of my money in that fund rather than the settlement fund. However, when I want to make a purchase am I requi...
by jhfenton
Wed Dec 21, 2016 9:09 am
Forum: Investing - Help with Personal Investments
Topic: VMMXX-Vanguard Prime Money Market Fund
Replies: 20
Views: 3364

Re: VMMXX-Vanguard Prime Money Market Fund

The federal tax fund pays no interest. Very difficult to transfer between the two. The prime pays something like.065. They say the tax fund is mandated to protect the one dollar value of mmf. Big benefit for vanguard. Not one sentence of this is true. 1. The current SEC yield on the Federal MMF is ...
by jhfenton
Mon Dec 19, 2016 3:49 pm
Forum: Personal Consumer Issues
Topic: Hard Endeavor/Exercise in Middle Age
Replies: 118
Views: 6980

Re: Hard Endeavor/Exercise in Middle Age

Don't poo-poo long distance running. It can be very rewarding, and if you don't start until your mid 30's, you can easily improve into your mid 40's. I started running at 34 to lose weight. It was slow and painful. I ran a 5:17 at the 2004 NYC Marathon. Then a 4:04 at the 2005 Chicago Marathon. And ...
by jhfenton
Mon Dec 19, 2016 10:29 am
Forum: Investing - Help with Personal Investments
Topic: Bear Market allocation
Replies: 35
Views: 2351

Re: Bear Market allocation

My bear market allocation is exactly the same as my bull market allocation. I don't know when those are occurring or are about to occur until they've already occurred. We're currently below the market's peak from 12/09/16, so maybe we're already in a bear market!

Go to advanced search