Search found 366 matches

by Whakamole
Fri Aug 18, 2017 6:02 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 67
Views: 7167

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Two of these oil companies — PetroChina (China’s largest oil producer) and SinoPec (a major Chinese oil and gas company) — are apparently small constituents in a handful of Vanguard international stocks funds. FWIW, as of 4/30/17 (the last semiannual report date), PetroChina is 0.1% of VTIAX (Vangu...
by Whakamole
Fri Aug 18, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 67
Views: 7167

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Prop 7 - (first I am not in favor of it, looks to suspciously fishy to me that someone is trying to manipulate the company.. very suspicously) It may be with hindsight, but if Prop 7 leads to the index funds failing to track the index significantly, lawsuits could come to bear.. and people would le...
by Whakamole
Fri Aug 18, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 67
Views: 7167

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

The REIT proposal is very important as it fundamentally changes the REIT Index Fund from REITs to Real Estate: Vanguard is proposing to add real estate development and management companies to this fund. I voted no. It would be interesting to see what the impact is: The MSCI US REIT Index includes o...
by Whakamole
Fri Aug 18, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3799
Views: 992931

Re: U.S. stocks in freefall

I'll bite because I admit I'm still learning--and I am genuinely interested. How exactly do we lose money if we don't sell the shares and actually realize the loss? If I have a wallet with $100 in it, and someone steals $10 out of it, is it a real loss then, or when I open the wallet and take the m...
by Whakamole
Wed Aug 16, 2017 11:47 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: World Isn't Flat-Invest Accordingly
Replies: 71
Views: 5724

Re: Larry Swedroe: World Isn't Flat-Invest Accordingly

It sounds like the world is flat only in the Large Cap space. Makes sense, the Large Cap stocks, both US and International tend to be multi-national companies. Wouldn't be a surprise that such stocks, particularly the mega-caps would behave in similar fashion. They may behave in a similar fashion b...
by Whakamole
Wed Aug 16, 2017 10:25 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 67
Views: 7167

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Proposal 7— A shareholder proposal to institute transparent procedures to avoid holding investments in companies that, in management’s judgement, substantially contribute to genocide or crimes against humanity, the most egregious violations of human rights. While I certainly don't condone genocide,...
by Whakamole
Tue Aug 15, 2017 3:26 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7081

Re: How far would you travel to see The Eclipse?

Besides which, and perhaps even more salient, it will be a madhouse with infrastructure strained to near breaking point. It's probably a very cool place to visit on other days of the year, but for this, give me some unknown piece of isolated cactus in the Eastern Oregon desert 50 miles from the nea...
by Whakamole
Mon Aug 14, 2017 7:51 pm
Forum: Personal Finance (Not Investing)
Topic: CapitalOne360 No More Living Trust Option for New Accounts
Replies: 6
Views: 780

Re: CapitalOne360 No More Living Trust Option for New Accounts

retiredbuthappy wrote:
Mon Aug 14, 2017 4:05 pm
Hi,
Is there an online bank like CapitalOne360 that allows Living Trust titles on checking accounts?
thanks,
RbH
Alliant does: http://www.alliantcreditunion.org/inves ... t/#account
by Whakamole
Fri Aug 11, 2017 9:13 pm
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 143
Views: 7081

Re: How far would you travel to see The Eclipse?

Seattle is 92%. Close enough.
by Whakamole
Thu Aug 10, 2017 7:00 pm
Forum: Personal Consumer Issues
Topic: Gaming laptop vs gaming pc for AAA hi-end graphics games?
Replies: 49
Views: 2352

Re: Gaming laptop vs gaming pc for AAA hi-end graphics games?

I see a few people mentioned used cards. I would be very cautious of used graphics cards - they were almost certainly used for bitcoin mining, which taxes the card and makes it run very hot for extended periods of time. Suffice to say this is not good for electronics.
by Whakamole
Thu Aug 10, 2017 6:52 pm
Forum: Personal Consumer Issues
Topic: Oregon road trip help
Replies: 52
Views: 2499

Re: Oregon road trip help

Just my opinion: if you're going to spend an entire day in Portland, you may want to come up with a list of things you specifically want to see and do. It's not a city that's fun to walk around aimlessly with no plan. We were told by several people to keep our expectations low, and they were correc...
by Whakamole
Thu Aug 10, 2017 6:12 pm
Forum: Personal Consumer Issues
Topic: Aug. 2017 US total eclipse hotel reservations.
Replies: 77
Views: 7366

Re: Aug. 2017 US total eclipse hotel reservations.

I will believe these traffic issues when I see them. I don't know anyone else who is planning to drive to see the eclipse, most people haven't even heard of it and those that have typically say that they will just watch it from home, not realizing there is a big difference between being in the zone...
by Whakamole
Thu Aug 03, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Wells Fargo - what the kittens?
Replies: 36
Views: 2742

Re: Wells Fargo - what the kittens?

I've generally had good luck with local credit unions but keep in mind they won't necessarily be reachable 24/7 unless you go with a big credit union (and there are some, like Navy Federal.) I had a pleasant enough experience with Chase when I opened an account for a $500 bonus, though he did try to...
by Whakamole
Mon Jul 31, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4300

Re: How Fidelity’s War With Vanguard Means Big Savings for Investors

Hopefully this doesn't mean that customer service will be heading south as well. That is the concern I have about the race to the bottom on fees. Low prices aren't everything, for example I don't shop at Wal-Mart. I think this will be a self-correcting problem, assuming customer service takes a hug...
by Whakamole
Mon Jul 31, 2017 2:38 pm
Forum: Investing - Theory, News & General
Topic: [Fidelity Beats Vanguard on Total Expenses for 14 Index Mutual Funds]
Replies: 63
Views: 4300

Fidelity cutting index fund fees

[Thread merged into here, see below. --admin LadyGeek] A bit more competition for our investing dollar is a win all around. m Some select Premium funds that many Bogleheads invest in: FUSVX (S&P 500) goes from 4.5 to 3.5 bp FSTVX (Total Market) goes from 4.5 to 3.5 bp FTIPX (Total International...
by Whakamole
Fri Jul 28, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: How much international stock? A suggestion.

In his book, Taylor pointed to Japan as cautionary tale for anyone contemplating a bet on a single national economy. If you use any kind of proper diversification analysis then you are going to be investing in at least some international. I've heard this sort of thing many times on this forum, and ...
by Whakamole
Thu Jul 27, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: How much international stock? A suggestion.

Wasn't there advice on this forum at one point which boiled down to "Bogle recommends a max of 20% international, Vanguard recommends a minimum of 20% International, therefore you should go with 20%"?
by Whakamole
Wed Jul 26, 2017 4:44 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: John Bogle Has Been Right About Investing In International Stocks

Why? Maybe you could just post what you found enlightening about it? The subject of many posts in this conversation has been: "John Bogle Has Been Right About Investing In International Stocks". John Bogle is well known for advising having little, if any, allocation to international, more...
by Whakamole
Mon Jul 24, 2017 7:43 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: John Bogle Has Been Right About Investing In International Stocks

https://mg.co.za/article/2017-03-09-00- ... od-returns is pretty good evidence for South African exceptionalism. SA stocks returned 7.2% from 1900 to 2016, versus 6.4% for US.
by Whakamole
Mon Jul 24, 2017 2:42 pm
Forum: Investing - Theory, News & General
Topic: John Bogle Has Been Right About Investing In International Stocks
Replies: 505
Views: 31623

Re: John Bogle Has Been Right About Investing In International Stocks

To me these would seem to be the most likely reasons Bogle may be right. His argument that US companies are already globally diversified is IMO his weakest argument. Sure, they are in their respective sectors, but they are not diversified in all stock market sectors. For sector diversification you ...
by Whakamole
Fri Jul 14, 2017 3:59 pm
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3742

Re: Buckley will succeed McNab as Vanguard CEO at year end

What do all their sofrtware developers do? Their website and app seem pretty basic. Do they run a lot of their index funds back end stuff with a lot of fancy software? There's a lot they need to do. Sending the IRS/state income tax boards all those 1099 forms; sending the SEC filing information; co...
by Whakamole
Wed Jul 12, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: Investors flock to Vanguard funds, dump Goldman, Wells Fargo, and others
Replies: 35
Views: 3433

Re: Market watch article about Vanguard funds today

You know Fidelity has fees that are just as low as anything vanguard offers right? For index funds, sure, they are about the same. If you want to own a municipal bond fund, which tend to be actively managed, and picking intermediate term, Vanguard's VWITX is 19 basis points; Fidelity's FLTMX is 35 ...
by Whakamole
Tue Jul 11, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: instant pot [Pressure cooker]
Replies: 34
Views: 2956

Re: instant pot [Pressure cooker]

I use mine to gravy for pasta - throw in some crushed tomatoes, Italian sausage, meatballs, etc. - it doesn't take long to make something that tastes like it cooked for hours.
by Whakamole
Tue Jul 11, 2017 4:45 pm
Forum: Personal Consumer Issues
Topic: [Amazon Prime Day]
Replies: 87
Views: 9499

Re: [Amazon Prime Day]

Amazon is selling an "Instant Pot DUO80 7-in-1 Multi-Use Programmable Pressure Cooker, 8 Quart/1200W" - whatever that is - for " $89.99 via Alexa" - whatever that means. Last year it was $69.99 , per Doctor of Credit. DoC is wrong on this. I bought the $69.99 one last year, whic...
by Whakamole
Wed Jun 14, 2017 11:55 am
Forum: Investing - Theory, News & General
Topic: [Why did my fund suddenly drop in value?]
Replies: 195
Views: 64806

Re: [Why did my fund suddenly drop in value?]

Any word yet on the timing for the June distributions?
by Whakamole
Thu Jun 01, 2017 10:08 am
Forum: Investing - Theory, News & General
Topic: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?
Replies: 52
Views: 4137

Re: CryptoCurrency ETF or Buy Bitcoin/Crypto Direct?

You can buy bitcoin via GBTC, an OTC stock. Right now it's actually the most active OTC stock: m The GBTC premium is notable. 1 share of GBTC represents approximately 0.1 bitcoin. So, right now, 1 GBTC share should be around $244, but it's more like $508 (both changing as I type of course). Some pe...
by Whakamole
Fri May 19, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: ER of 0.01-0.03
Replies: 5
Views: 1070

Re: ER of 0.01-0.03

by Whakamole
Mon May 15, 2017 5:49 pm
Forum: Investing - Theory, News & General
Topic: "Can this fee structure save actively managed funds"
Replies: 10
Views: 1080

Re: "Can this fee structure save actively managed funds"

Problems: 1. I do not trust the fund company to not decide after several years to change the structure back to high-cost active; if I have taxable accounts invested, then selling funds is a taxable event and something I'd rather avoid. 2. Worst case is not the fund charging fund 5/10 basis points. I...
by Whakamole
Mon May 15, 2017 3:55 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4111

Re: Scolded by my adviser at F******* !

I would be tempted to write a letter to someone high up at Fidelity, or talk to your FA's boss, and tell them the survey system is garbage if they are tying your happiness with their website to his performance in meeting your needs. They clearly aren't related and if your FA is being punished then t...
by Whakamole
Mon May 15, 2017 3:36 pm
Forum: Investing - Theory, News & General
Topic: Scolded by my adviser at F******* ! [Fidelity]
Replies: 23
Views: 4111

Re: Scolded by my adviser at F******* !

He's probably right, anything less than perfect counted against him. It makes no sense and while your advisor should never scold you, your real beef is with a company that does this and treats employees this way. I'm also surprised the survey results were not anonymous.
by Whakamole
Fri May 12, 2017 1:17 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Most market anomalies academics have identified don’t exist
Replies: 53
Views: 5966

Re: WSJ: Most market anomalies academics have identified don’t exist

Grok, Yes there is Momentum everywhere. The AQR funds invest in equities, bonds, commodities, currencies. Diversifying across asset classes within the Style improves its efficiency lots. Dave thanks Dave. Well the fund hasn't really been through a crisis yet. I guess we'll see then if that diversif...
by Whakamole
Thu May 11, 2017 3:37 pm
Forum: Investing - Theory, News & General
Topic: WSJ: Most market anomalies academics have identified don’t exist
Replies: 53
Views: 5966

Re: WSJ: Most market anomalies academics have identified don’t exist

I like the quote from Asness saying he's worried people will start discarding factors. Because that's the most important thing, we don't want people dismissing smart beta.
by Whakamole
Wed May 10, 2017 11:16 am
Forum: Investing - Theory, News & General
Topic: Do newly lowered expense ratios benefit prior investors?
Replies: 4
Views: 505

Re: Do newly lowered expense ratios benefit prior investors?

If an ER for a fund is lowered after purchasing, do you get the benefit of that lower rate, or are you locked in to what you bought it for? Are there differences across funds or brokers (e.g. Fidelity vs Vanguard, iShare vs Vanguard)? Yes, a lower ER for a mutual fund or ETF impacts everyone who ow...
by Whakamole
Tue May 09, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Gundlach shorts S&P 500, says passive investing is a 'myth'
Replies: 51
Views: 6555

Re: Gundlach shorts S&P 500, says passive investing is a 'myth'

When Zero Hedge mocks you for being consistently wrong, then you've really hit the bottom of the barrel.
by Whakamole
Fri May 05, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Prosper.com - Misreporting annualized returns?
Replies: 15
Views: 1723

Re: Prosper.com - Misreporting annualized returns?

I noticed when I signed up for NSR ahile back that there was a significant difference between their calculated return and lendingclub's. I just marked down my remaining notes on LC, going to get out of it completely. Not only do the returns stink anymore (can do just about as well with the Vanguard...
by Whakamole
Thu May 04, 2017 1:29 pm
Forum: Investing - Theory, News & General
Topic: Increasing correlation between US and international equities
Replies: 66
Views: 4808

Re: Increasing correlation between US and international equities

Reasons I have seen not to invest in international: ⋅  International equities have recently greatly underperformed U.S. equities ⋅  Correlations have recently increased between U.S. and International equities This is my question. The correlation is shown as close to 0.8-0.9 for ...
by Whakamole
Wed May 03, 2017 7:30 pm
Forum: Investing - Theory, News & General
Topic: Morgan Stanley drops Vanguard funds
Replies: 26
Views: 7753

Morgan Stanley drops Vanguard funds

For those using Morgan Stanley accounts and who own Vanguard mutual funds there: http://www.reuters.com/article/us-morga ... SKBN18001I

Looks like it only impacts mutual funds (not ETFs); existing shareholders will still be able to reinvest/add money until early next year.
by Whakamole
Wed May 03, 2017 7:26 pm
Forum: Investing - Theory, News & General
Topic: Prosper.com - Misreporting annualized returns?
Replies: 15
Views: 1723

Re: Prosper.com "Returns Reporting Adjustment" - Anyone else?

It seems like you are not the only one, someone in a P2P discussion forum did the math last year and discovered Prosper's numbers were inflated: https://forum.lendacademy.com/index.php ... 770.0.html

I hear the people who get involved with class action lawsuits early make the most money (outside of the attorneys.)
by Whakamole
Wed Apr 26, 2017 4:09 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 12024

Re: Vanguard has switched to brokerage only accounts

We haven't switched to the new platform yet. The precipitating event may be when we roll a 401K to Vanguard in a few years. Glad to hear the favorable reports about simplification. It sounds like the bugs and tics in the "upgrade" process may be diminishing. I hesitate to upgrade because ...
by Whakamole
Wed Apr 26, 2017 12:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 12024

Re: Vanguard has switched to brokerage only accounts

We haven't switched to the new platform yet. The precipitating event may be when we roll a 401K to Vanguard in a few years. Glad to hear the favorable reports about simplification. It sounds like the bugs and tics in the "upgrade" process may be diminishing. I hesitate to upgrade because ...
by Whakamole
Mon Apr 24, 2017 11:22 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2983

Re: Alaska cruise advice

Thanks for the recommendations so far. I'm not quite sure if air travel will be in the mix, are excursions limited to that?
by Whakamole
Mon Apr 24, 2017 12:00 am
Forum: Personal Consumer Issues
Topic: interesting things to see/do in Victoria and Vancouver, Canada
Replies: 19
Views: 1497

Re: interesting things to see/do in Victoria and Vancouver, Canada

Superb: Museum of Anthropology The one at UBC in Vancouver? Fantastic. There's also the Royal BC Museum in Victoria which is wonderful as well (letsgobobby beat me to that suggestion ) Other things in Vancouver: - If you are going during summer, and appreciate Asian food and/or culture, I would rec...
by Whakamole
Sun Apr 23, 2017 9:57 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2983

Re: Alaska cruise advice

Spend an extra day or two, three. in Seattle or Vancouver before embarking. After Debarking, visit Portand and Columbia Gorge for 2 days. Oh, I should mention, I live in Seattle, which is why we're looking at Seattle (or maybe Vancouver) as the embark/debark point. Been to Vancouver/Portland many t...
by Whakamole
Sun Apr 23, 2017 1:04 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2983

Re: Alaska cruise advice

itstoomuch wrote:Nice day in Seattle. Very little rain. :D
Visiting son in Seattle. We're from wetter Oregon. :oops:


Yeah, you are enjoying a very rare event, a nice day in April. Enjoy your stay! :sharebeer
by Whakamole
Sun Apr 23, 2017 12:53 am
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2983

Re: Alaska cruise advice

Spend an extra day or two, three. in Seattle or Vancouver before embarking. After Debarking, visit Portand and Columbia Gorge for 2 days. Oh, I should mention, I live in Seattle, which is why we're looking at Seattle (or maybe Vancouver) as the embark/debark point. Been to Vancouver/Portland many t...
by Whakamole
Sat Apr 22, 2017 11:43 pm
Forum: Personal Consumer Issues
Topic: Alaska cruise advice
Replies: 33
Views: 2983

Alaska cruise advice

The SO and I are looking at taking a cruise to Alaska this year. She's been on several cruises; this would be my first time. We haven't been to Alaska before. Searching the board, it looks like there are quite a few experienced Bogleheads who may be able to help with some questions: 1. Cruise line s...
by Whakamole
Fri Apr 21, 2017 12:33 pm
Forum: Investing - Theory, News & General
Topic: Tax Reform and Impact on 401(k) [Wall Street Journal article]
Replies: 11
Views: 1325

Re: Tax Reform and Impact on 401(k)

flamesabers wrote:I can't read the article because I don't have a subscription to the Wall Street Journal. What is Congress proposing to change about the 401k?


I have access to the article. Congress isn't proposing anything. This thread should be locked and Zweig should be ashamed of himself.
by Whakamole
Thu Apr 20, 2017 1:52 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodbye."
Replies: 336
Views: 39951

Re: Larry Swedroe says "Goodby."

Larry, thanks for your tireless efforts to share your knowledge about investing; I've enjoyed your posts here, blogs, and books.
by Whakamole
Wed Apr 05, 2017 1:02 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2579

Re: "We're changing how we report costs. You still benefit."

A contrarian view: Should I care about the average cost to current investors or the average cost of what is available to me? I think straight average (the old way) better informs me of the average cost of what is available to me. (All funds are equally available. Their availability is not weighted ...