Search found 117 matches

by LISD
Mon Nov 09, 2020 5:32 pm
Forum: Investing - Theory, News & General
Topic: What does this mean: Treasury Rates jump!
Replies: 17
Views: 3041

Re: What does this mean: Treasury Rates jump!

I think the rate is variable, since it's an auction. From the Treasury's website, there are two types of bids: Competitive You specify the discount rate you will accept. Depending on what discount rate is determined at the auction, you may or may not receive the bill you want, and if you receive it,...
by LISD
Mon Nov 09, 2020 11:51 am
Forum: Investing - Theory, News & General
Topic: What does this mean: Treasury Rates jump!
Replies: 17
Views: 3041

What does this mean: Treasury Rates jump!

News Headlines: "10-year Treasury yield jumps above 0.95% following vaccine news....." "The yield on the 10-year Treasury note jumped 13 basis points to 0.95%. The benchmark rate touched a high of 0.975%, its highest level since March 20. " Does this mean fewer people are buying ...
by LISD
Sun Nov 08, 2020 11:53 pm
Forum: Personal Consumer Issues
Topic: Cordless Vacuum Recommendations
Replies: 12
Views: 1045

Re: Cordless Vacuum Recommendations

Consumer Reports doesn't recommend ANY cordless vacuums because of reported battery problems with all of them.
by LISD
Sat Nov 07, 2020 11:17 am
Forum: Personal Investments
Topic: Vanguard Prime MM Fund Yields 1.96%
Replies: 6
Views: 2855

Re: Vanguard Prime MM Fund Yields 1.96%

It appears I wasn't alone in this:

https://www.ft.com/content/2ae06d07-112 ... 5cf4a818b4

"Vanguard has admitted that clients were sent statements with inaccurate information about estimated yields and estimated annual income across most of its money market fund range."
by LISD
Thu Oct 15, 2020 12:49 pm
Forum: Personal Finance (Not Investing)
Topic: What are the financial risks of not owning a house?
Replies: 106
Views: 10285

Re: What are the financial risks of not owning a house?

If you think you may be moving frequently (unstable job) or don't like constantly fixing/remodeling, those are good reasons to rent. If you have hobbies that require a house, your own house (woodworking, place to park a boat(s), like to work on cars, gardening), and/or like fixing/improving things, ...
by LISD
Wed Sep 30, 2020 8:02 pm
Forum: Personal Consumer Issues
Topic: cordless cleaning scrubber
Replies: 13
Views: 1109

Re: cordless cleaning scrubber

I just weighed my drill with battery. 1.8 lbs.
by LISD
Sat Sep 26, 2020 10:44 pm
Forum: Personal Consumer Issues
Topic: cordless cleaning scrubber
Replies: 13
Views: 1109

Re: cordless cleaning scrubber

Buy this, $17, and attach it to your drill.

https://www.amazon.com/gp/product/B002D ... UTF8&psc=1

If you don't have a cordless drill, get one. Very handy. You'll use it for more than just cleaning.
by LISD
Wed Sep 09, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Dog Bite Case (for real - and I own the dog)
Replies: 56
Views: 7702

Re: Dog Bite Case (for real - and I own the dog)

If you decide to pay it yourself: I would have the party sign a statement stating that the $600 is paid in full, and there will be no other claims. A lawyer, or even your insurance company should be able to give you the proper legal jargon/form.
by LISD
Mon Sep 07, 2020 1:17 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2196

Re: Foreign Allocation

OP here: Just an FYI: Morningstar defines foreign as the % of the total portfolio. But then uses % of stocks for sectors, value, growth, etc. So they are inconsistent. Instead of % of foreign stock, it should be based on sales (foreign vs domestic sales). For example, If I own a company in France th...
by LISD
Sun Sep 06, 2020 6:02 pm
Forum: Investing - Theory, News & General
Topic: Foreign Allocation
Replies: 36
Views: 2196

Foreign Allocation

From a VG analysis of my portfolio 5 years ago, they recommended that 24% of my portfolio should be in foreign stocks. And a 60/40 stock/bond split. Not 24% of my stocks, 24% of my total portfolio. That would mean 40% of my stocks would be foreign - seems WAY high to me. I'm nowhere near 40%. This i...
by LISD
Sat Sep 05, 2020 10:50 pm
Forum: Investing - Theory, News & General
Topic: Credit union offering sweep account - is it safe?
Replies: 3
Views: 520

Re: Credit union offering sweep account - is it safe?

This looks similar to CDARS, but for a Credit Union instead of a Bank (google 'CDARS' if you are not familiar with it). I've never found CDARS useful (low rates), but the .5% they give you at DCA is pretty good (considering the anemic rate environment we are in). And with the convenience of automati...
by LISD
Mon Aug 31, 2020 4:20 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111619

Re: Best CD rates thread

I ended up putting my $ in a local CU at 1.05% APY/ 2 Yrs (USE CU). I was going to just add it to my Ally $, but I've soured on Ally, and on internet banking in general. I called Ally to ask a question about the transfer. They asked a lot of security questions (which is OK), then sent me a code by t...
by LISD
Sat Aug 22, 2020 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: Best CD rates thread
Replies: 854
Views: 111619

Re: Best CD rates thread

FYI - TIAA Bank 12mo CDs recently dropped from .95% to .60% - in the same time, Ally and Sallie May dropped only .1%. That's a big decrease. They 'vow' to offer the top 5% yields. Doesn't seem like that to me. I was going to setup an account but I'll have to look elsewhere now.
by LISD
Wed Aug 19, 2020 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Want to buy condo, unsure about earthquake safety
Replies: 12
Views: 1075

Re: Want to buy condo, unsure about earthquake safety

Looks like you have about a 50-50 chance. "Around one out every two steel bars installed in construction are manufactured by SteelAsia." https://www.steelasia.com/company/company-history Was the building built prior to SteelAsia making substandard rebar? Keep in mind that even if they used...
by LISD
Thu Jul 30, 2020 11:50 pm
Forum: Personal Consumer Issues
Topic: Toyota RAV4 Gas vs Hybrid?
Replies: 64
Views: 3561

Re: Toyota RAV4 Gas vs Hybrid?

I'm looking at the RAV4 Prime, but will wait until next year at the earliest. I've heard of dealers asking for and getting $5,000 over MSRP or more. They are only shipping 5,000 units to the entire US this year. Maybe 20,000 units in 2021. Even with 20,000 units, that is only about 15 vehicles for ...
by LISD
Tue Jul 28, 2020 1:04 am
Forum: Investing - Theory, News & General
Topic: Bond Fund vs Building a bond ladder?
Replies: 6
Views: 759

Re: Bond Fund vs Building a bond ladder?

Doing your own bond selection, buying and selling is laborious. Are you up to it? There are bond ETFs that have a fixed maturity date, and you receive your principle back at maturity (like a CD). Or you can sell it early if you want. Low cost, you pick the duration you want, ample diversity, liquidi...
by LISD
Tue Jul 28, 2020 12:56 am
Forum: Personal Consumer Issues
Topic: subaru outback limited or audi 4 quattro?
Replies: 49
Views: 4219

Re: subaru outback limited or audi 4 quattro?

Look at depreciation - I think you'll find a big difference.

My 2016 A6 had defective brake rotors at 12k miles (common problem) and a plastic water pump that failed in under 30k miles ($1500 repair at the dealer), another common problem. Needless to say I'm unimpressed with with their quality.
by LISD
Sat Jul 18, 2020 6:27 pm
Forum: Personal Investments
Topic: Vanguard Prime MM Fund Yields 1.96%
Replies: 6
Views: 2855

Vanguard Prime MM Fund Yields 1.96%

Yep - there it is right on my monthly statement. Like it was last month. And the month before that. And yet.... the Vanguard web site says the SEC yield is .13%. Kind of a big difference - right? A factor of 15! So the statement is wrong, and has been wrong for months. What, is 1.96% hardwired into ...
by LISD
Fri Jul 17, 2020 7:45 pm
Forum: Non-US Investing
Topic: I invest in bond funds - but I don't understand them!
Replies: 10
Views: 1680

Re: I invest in bond funds - but I don't understand them!

In such a low (nearly no) interest rate environment, why would one invest in a bond fund with a 7 year duration and a yield-to-maturity of 0.83%.... when a 1 year CD guaranteed by the FED is 20% higher (~1%). Granted we are talking about small numbers (20% of zero =0), but with a 7 year duration, th...
by LISD
Thu Jul 09, 2020 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: Ally drops savings rate again
Replies: 31
Views: 5055

Re: Ally drops savings rate again

I don't know about the phone app, but on my statements they do not show the total value of the CDs. On the first page of every statement is the CD Ending balance (without interest), and thus my total balance never changes from when I opened it. Total Value (one number) = What I deposited + Accrued I...
by LISD
Thu Jul 09, 2020 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally drops savings rate again
Replies: 31
Views: 5055

Re: Ally drops savings rate again

I just wish they would post the current value of my CDs on their statements - including accrued interest. Seems like an obvious thing doesn't it? No, not to them.
by LISD
Wed Jul 01, 2020 10:27 am
Forum: Personal Finance (Not Investing)
Topic: FDIC limit
Replies: 7
Views: 530

Re: FDIC limit

Use the FDIC's EDIE calculator to find your answer:

https://edie.fdic.gov/index.html
by LISD
Sun Jun 28, 2020 9:38 am
Forum: Personal Investments
Topic: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally
Replies: 43
Views: 3807

Re: Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) vs Ally

First... SEC yield is one thing and the actual distribution yield is another. Look carefully at Vanguard's explanation of SEC Yield; " A non-money market fund's SEC yield is based on a formula mandated by the Securities and Exchange Commission (SEC) that calculates a fund's hypothetical annual...
by LISD
Sun May 17, 2020 5:49 pm
Forum: Investing - Theory, News & General
Topic: Why is the stock market up? [thread multi-merge]
Replies: 521
Views: 21900

Re: What does Market know, that we did not know?

"wide range of thoughts"

and that's what markets were reacting to - uncertainty.
by LISD
Wed May 06, 2020 12:18 am
Forum: Investing - Theory, News & General
Topic: Looking for alternative to Vanguard
Replies: 107
Views: 7257

Re: Looking for alternative to Vanguard

critical passwords...should be ... stored in your password manager. If you're worried about cyber security, your password manager is just another piece of software that can be hacked. A ticking time-bomb. It's convenient, but is it wise to keep all your critical passwords in one place, on a compute...
by LISD
Fri May 01, 2020 6:21 pm
Forum: Investing - Theory, News & General
Topic: Risk of Muni Bonds
Replies: 56
Views: 5700

Re: Risk of Muni Bonds

The municipal governments can always raise taxes for general bonds. Raising taxes didn't help Orange County, Detroit, Stockton, Jefferson County, Boise, ........ Regarding Stockton: "Stockton filed for protection ... but was dragged through a long court process because it wanted to impose loss...
by LISD
Wed Apr 29, 2020 9:28 pm
Forum: Investing - Theory, News & General
Topic: How is the opening price of an index calculated?
Replies: 2
Views: 210

How is the opening price of an index calculated?

Lets use the DJI as the index of interest. Given the DOW futures, and after hours trading, how is the opening price actually calculated? Based on after-hours trading only? So it opens at the last price of after-hours trading? And DOW futures have nothing to do with it? The DJI will, sometimes, close...
by LISD
Wed Apr 29, 2020 11:11 am
Forum: Investing - Theory, News & General
Topic: Risk of Muni Bonds
Replies: 56
Views: 5700

Re: Risk of Muni Bonds

"I think treasuries, CDs and municipal bonds are all different products." I agree, munis are very different from CDs/Treasuries. But I consider CD/Treasuries the same in term of credit risk (both backed by Uncle Sam). And if the "basis of comparison" for all other investments is ...
by LISD
Wed Apr 29, 2020 12:24 am
Forum: Investing - Theory, News & General
Topic: Risk of Muni Bonds
Replies: 56
Views: 5700

Re: Risk of Muni Bonds

comparing it to a treasury of the same maturity. I've seen that too. But treasuries are .2% while CDs are 1.5%, and both are considered uber-low risk. Unless FDIC insurance is meaningless to you (you're a Pension system investing billions) I would think it's best to compare Muni's to CDs, or at lea...
by LISD
Wed Apr 29, 2020 12:12 am
Forum: Investing - Theory, News & General
Topic: Risk of Muni Bonds
Replies: 56
Views: 5700

Re: Risk of Muni Bonds

Yep, the risk differences are also apparent in their yields... Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX) 1.78% Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) 1.67% Vanguard Intermediate-Term Treasury Index Fund Admiral Shares (VSIGX) .41% The higher yields ref...
by LISD
Tue Apr 28, 2020 2:06 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Maturity=2.8 days, Duration 2.8 YEARS??
Replies: 2
Views: 226

Re: Bond Fund Maturity=2.8 days, Duration 2.8 YEARS??

Yes, it's a "Trust" fund within an employer's 401K - doesn't have a ticker. Interesting, w/in an hour of posting this the prospectus is no longer available. Might they have seen my post and are correcting it? Nahhh - they aren't anywhere near that efficient. I think the duration and maturi...
by LISD
Tue Apr 28, 2020 12:58 pm
Forum: Investing - Theory, News & General
Topic: Bond Fund Maturity=2.8 days, Duration 2.8 YEARS??
Replies: 2
Views: 226

Bond Fund Maturity=2.8 days, Duration 2.8 YEARS??

Vanguard Retirement Savings Trust 3: Ave. Maturity =2.8 days, Ave. Duration =2.8 years. (from Vanguards website)

How can they be so different? A typo?
by LISD
Tue Apr 28, 2020 12:06 am
Forum: Investing - Theory, News & General
Topic: Where to put cash?
Replies: 15
Views: 2102

Re: Where to put cash?

I see the select-CD, but I see 1.55% 15-mo. They must have dropped the rates in the last few hours.
by LISD
Sun Apr 26, 2020 11:32 am
Forum: Personal Investments
Topic: Is there a maximum one should keep at one brokerage firm?
Replies: 25
Views: 1699

Re: Is there a maximum one should keep at one brokerage firm?

3 brokerages with 1 as primary 3 banks AFAIK FDIC coverage is 250k per account holder or per trustee and beneficiaries if a trust account. CDs held within a brokerage are 250k insured per bank. j🌺 Are brokered CDs not covered under a Trust? (although last I checked brokered CDs were not competitive...
by LISD
Sun Apr 26, 2020 11:20 am
Forum: Investing - Theory, News & General
Topic: Where to find Credit Ratings
Replies: 0
Views: 155

Where to find Credit Ratings

Where can an individual investor find up-to-date ratings on bonds, companies (corporate credit ratings), states, the Fed, etc .... (standard & poors, Fitch, Moody's, etc...) All that I found require subscription/accounts - and appear that they are for large corporations willing to pay fees for t...
by LISD
Sat Jan 18, 2020 5:02 pm
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8548

Re: VG Monthly Statements Are HORRIBLE!

OP here: This thread has changed directions somewhat, into discussing how long to retain documents. I was hoping to get more specific complaints/improvements that VG could apply to their statements - constructive criticisms that might convince VG to address these issues. Since my calling them had no...
by LISD
Wed Jan 15, 2020 1:05 am
Forum: Investing - Theory, News & General
Topic: VG Monthly Statements Are HORRIBLE!
Replies: 97
Views: 8548

VG Monthly Statements Are HORRIBLE!

My gripes (not all of them): 1) My last statement compares my current balance to LAST YEARS balance, not last month. I look at my statements to balance this month’s statement to last month’s statement – not last year. (Current Balance = Previous Balance + additions – subtractions). Four times a year...
by LISD
Sat Dec 21, 2019 11:58 am
Forum: Personal Consumer Issues
Topic: Issue with Ally Bank
Replies: 19
Views: 1991

Re: Issue with Ally Bank

I've been asked questions such as 'how much was your last deposit?' - to the penny. That question makes sense, but 'Who funds your account' (if that really was the question) is nonsense, and indicative of nonsense management. And probably implemented by employees who were told to be strict - because...
by LISD
Fri Dec 20, 2019 10:28 pm
Forum: Investing - Theory, News & General
Topic: Indexing Doomsday?
Replies: 67
Views: 6964

Re: Indexing Doomsday?

In another thread, some posters stated that they didn’t put all their $ in index funds in case the indexing philosophy ‘goes south’ (or indexing could someday ‘face the facts’ as LadyGeek elegantly rephrased it). LISD, 1) I would like a clarification here. Do you mean stock indexing or bond indexin...
by LISD
Thu Dec 19, 2019 9:38 pm
Forum: Investing - Theory, News & General
Topic: Indexing Doomsday?
Replies: 67
Views: 6964

Indexing Doomsday?

In another thread, some posters stated that they didn’t put all their $ in index funds in case the indexing philosophy ‘goes south’ (or indexing could someday ‘face the facts’ as LadyGeek elegantly rephrased it). Then poster Teelainen asked a good question, that went unanswered: “What would cause in...
by LISD
Thu Dec 19, 2019 3:24 pm
Forum: Investing - Theory, News & General
Topic: Indexing beats Wellington and Wellesley right?
Replies: 208
Views: 43102

Re: Indexing beats Wellington and Wellesley right?

is there a calculator or website we can use to run numbers like this whenever we want to know the basic tax consequences of different funds? triceratop created a spreadsheet that looked at tax efficiency that is discussed here: https://www.bogleheads.org/forum/viewtopic.php?t=242137 AlohaJoe did an...
by LISD
Mon Dec 16, 2019 8:27 pm
Forum: Personal Investments
Topic: CD 2.5% apy 13 month term
Replies: 10
Views: 2448

Re: CD 2.5% apy 13 month term

FYI

NCUA insurance is not 'up to 250k'. It is up to 'at least 250k' - which means in some cases (like a Trust), more than $250k.

CU employees sometimes don't even know this.

https://www.mycreditunion.gov/share-insurance
by LISD
Fri Dec 13, 2019 8:28 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6858

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

After a capital gain distribution the stock price is reduced by the amount of the distribution. This is not the case for a dividend. This is also the case for a dividend that will be paid. The price (NAV) drop happens on the ex-dividend date and not actually on the payable date. This goes for mutua...
by LISD
Fri Dec 13, 2019 7:34 pm
Forum: Investing - Theory, News & General
Topic: Why did Fidelity Total Market Index fund drop -1.55% today?
Replies: 77
Views: 6858

Re: Why did Fidelity Total Market Index fund drop -1.55% today?

I'm curious why FSKAX dropped by 1.55% today when it appears that stocks were quite unchanged today. Just saw a big hit on my account and don't understand why. Dow was up 3 points, nasdaq up 17, and S&P up .23. So, what exactly happened here? Thanks! The answer is dividend distribution. This is...
by LISD
Fri Dec 13, 2019 11:42 am
Forum: Personal Investments
Topic: HELP!!! Vanguard locked my account
Replies: 54
Views: 8544

Re: HELP!!! Vanguard locked my account

Welcome to the forum, and I'm sorry to hear about the situation. This is what I do. It's designed to provide some slack, a time buffer, so I can continue financial operations while any problems get sorted out. PJW That seems like a good plan. Another plan relative to holding emergency cash is insta...
by LISD
Fri Dec 13, 2019 11:04 am
Forum: Personal Consumer Issues
Topic: Need high speed scanner for diverse documents
Replies: 53
Views: 2675

Re: Need high speed scanner for diverse documents

check out the Raven scanner (Amazon)
by LISD
Thu Dec 12, 2019 10:36 pm
Forum: Personal Finance (Not Investing)
Topic: Help! Ally email. Is account compromised?
Replies: 15
Views: 2532

Re: Help! Ally email. Is account compromised?

I'm thinking by 'Telephone Banking ID' they mean internet logon ID. Did your mom ever try to login unsuccessfully a number of times? If so, maybe they locked the account because of that? Tell them you are hesitant to email the SS card for security reasons, and if they can allow you to login to the w...
by LISD
Thu Dec 12, 2019 6:38 pm
Forum: Investing - Theory, News & General
Topic: Semi-Passive Index Fund?
Replies: 13
Views: 899

Semi-Passive Index Fund?

I’d like to think that VG Index Fund managers have some small (infinitesimally small?) leeway in what stocks they buy and/or when they buy them, but probably not. For example, they blindly have to buy each stock in a given index - in the exact proportions of the index – no matter what! It would be n...