Bogleheads.org

Langkawi

Let's say that Exxon Mobil decided instead of paying a cash dividend to its shareholders, they would instead offer a "fee discount" on gasoline. Each Exxon Mobil shareholder gets a certain amount of free gasoline based on how many shares they hold. Then Exxon Mobil says that the free gasoline is no...

Langkawi

Avi-Yonah is not just one in an army of possible experts. He is probably the foremost authority on transfer pricing in the U.S. Isn't that like saying Ralph Nader is the foremost authority on automobile safety or the Koch brothers are the foremost authority on global warming? Avi-Yonah seems to be ...

Langkawi

Well I don't believe a buyback is a dividend, or a form of dividends , or like a dividend. It is an investment. You are certainly entitled to your beliefs. However, if you wish to align your beliefs with facts, you may find this lecture by Aswath Damodaran to be useful. http://youtu.be/f8UMSWAihnc

Langkawi

[OT comments removed by admin LadyGeek]

Langkawi

jasc15 wrote:Now that you mention it I notice 0.75% on my Capital One 360 accounts, where I think it was 0.70% not long ago. It could be your suggestion of the change that makes me see it, however.

The rate has held steady at 0.75% since the Feb. 2013 name change from ING Direct to Capital One 360.

Langkawi

WHL wrote:I didnt miss anything. I asked for the post to be clarified.

Thanks for not helping.

[OT comment removed by admin LadyGeek]

Langkawi

WHL wrote:
amfox1 wrote:The raw, unrounded figure under the 401(k) law rose to $17,820 for 2014, so it is almost assured that the 401(k) limit will increase to $18k for 2015 as it would only require an annual COLA increase of 1.01%.
Care to elaborate on this?

Perhaps you missed the "raw, unrounded" part.

Langkawi

Interestingly enough, Aswath Damodaran agrees with the valuation:
http://aswathdamodaran.blogspot.com/201 ... right.html

Langkawi

You are exactly right. About ten years ago, S&P decided to adjust their weightings based on free float. Here's a relevant article:
http://www.bloomberg.com/apps/news?pid= ... bHmb_7aLqk

Langkawi

Thank you Leonard for exposing counterparties now and in the past. I can imagine they may become targeted by SRI/ESG investors for transparency in the same way that supply chains have already been exposed for many companies. Can you point us to a some good research or articles on how this works? LO...

Langkawi

mwm158 wrote:Why are there so many threads about this lately?

Because the initial threads draw the scammers and spammers out of the woodwork.

Langkawi

https://personal.vanguard.com/us/insigh ... sec-072014

Langkawi

mikep wrote:Costco only takes AMEX. So I would still need one, may as well use Fidelity 2% AMEX over the Costco 1% AMEX.

You can buy Costco Cash Cards from Costco.com with Visa/MasterCard/Discover, then use the cash card at the physical Costco store.

Langkawi

Boglegrappler wrote:He's realized over the years that vast majority (99% plus) of people aren't bright enough, thoughtful enough, or motivated enough to do what he does.

Heck, most aren't bright enough to spell his name correctly.

Langkawi

523HRR wrote:If Vanguard mutual funds were included among the 1000s of other no-fee funds offered through Schwab, there would be no reason not to buy a VG fund in a Schwab account.

I'm sure you understand why that will never happen.

Langkawi

Perhaps "theoretical" was not the best word to use.
My point was that the thread title implied that a credit union had actually lowered rates on existing CDs. They have previously changed EWPs, but your thread title is about rates.

Langkawi

heyyou wrote:You lost me at
Goldman-Sachs predicts

Surprised you made it past "by Browser"

Langkawi

You should probably emphasize that this is theoretical and hasn't actually happened.
I am glad to see that despite your strong support of credit unions, you don't make excuses for them when they act as dirty as a bank.

Langkawi

killjoy2012 wrote:Ok, I care ZERO.

Right on

Langkawi

killjoy2012 wrote:Credit score impact? Minimal and I could honestly care less.

Langkawi

Stale. This was already posted:
http://www.bogleheads.org/forum/viewtop ... st=2153405

Langkawi

http://www.bogleheads.org/forum/viewtop ... 1&t=125057
http://www.bogleheads.org/forum/viewtop ... 0&t=138870
http://www.bogleheads.org/forum/viewtop ... 0&t=131583
http://www.bogleheads.org/forum/viewtop ... 1&t=136201

Langkawi

One thing to consider is your state tax rate. If you're currently in a high tax state and you plan to take the early withdrawals in a low or no tax state, that can mitigate some of the penalty.

Langkawi

^ Lang, Unless you're in a very low federal and state income bracket, most people would find paying tax without any tangible return unpalatable. If I'm holding a 2032 TIPS bond and don't anticipate selling it until maturity, the idea of paying annual taxes for the next 18 years on the accrued princ...

Langkawi

I suspect this is not money that will be placed in a tax-deferred account. Therefore, TIPS are really not an option, as some posters have suggested. Why not? Hasn't the phantom interest argument been thoroughly debunked as a red herring? I agree that taxable is not an ideal place for fixed-income, ...

Langkawi

Drew777 wrote:Again, I think the thread has run its course. If a mod sees this and can lock it please do so.

Why don't you just alert the mods yourself?

Langkawi

DSInvestor wrote:With 20K in each account held at Vanguard, you can get Admiral shares of Vanguard Index funds which have a 10K minimum. The 50K minimum applies to admiral shares of actively managed Vanguard funds.

But are Admiral shares for the index funds now available at Wells Fargo?

Langkawi

in_reality wrote:You can't just subtract the load amount.

Please carefully reread what dickenjb wrote.

Langkawi

bnes wrote:
dickenjb wrote:Why don't you just multiply the final answer for the American fund by (1-load%)?
There's a compounding effect of money, so the final answer is far less than (1-load%).

dickenjb is 100% correct. The load is a one-time event.

Langkawi

ArthurO wrote:in 10 years when it matures, god willing I will take interest and spend it and reinvest the principle [sic]

The interest is paid out every six months.

Langkawi

grabiner wrote:The current yield on I-Bonds is 0%

Just to be nitpicky, the current fixed rate is 0.10%.

Langkawi

Angrypuppy wrote:nor did I read the prospectus.

If you take anything away from this thread, it should be always read the prospectus.

Langkawi

Bill M wrote: trading systems can't handle two different CUSIPs having the same coupon and maturity.

That is not true and nothing in the thread you referenced suggested it was true.

Langkawi

I love this kind of stuff. When I was a kid, I went to the library and dragged out bound copies of LIFE magazine, and later, volumes of old Harper's Weekly back to the Civil War. They gave me a window on older, different worlds -- attitudes, cultural mores, what people considered important, etc. Ol...

Langkawi

I agree with you 100%. That explains OP's fallacy. He said one should buy CD instead of bonds because CD rate is higher than bond yields. As you stated, bonds and CD are not the same product so one should not make investment decision solely based on rates. Priceless :D Hilarious. Almost as funny as...

Langkawi

I have seen several posters implying that the bond yield is a guaranteed return. Please provide links to support your assertion. It is a default free, non-callable zero coupon bond such as T-bill. If you hold T-bill till maturity, you are guaranteed to earn the yield (annualized). While T-Bills tec...

Langkawi

Similar thread. Similar OP.
http://www.bogleheads.org/forum/viewtop ... 0&t=138968

Langkawi

ps56k wrote:-Keep the $35k in the Ally Bank CD @ 1.10% for 2yr - raise your rate -

No more loyalty bonus at Ally?

Langkawi

http://www.dailymail.co.uk/news/article-2273147/American-woman-granted-divorce-Beijing-celebrity-entrepreneur-husband-case-highlighted-shame-domestic-violence-China.html Not to make this topic serious, but as bad as divorce laws and lawyers are in this country, there are an improvement over the opt...

Langkawi

jenlinc2006 wrote:Why do people still do cable?

Sports.

Langkawi

ISTB (Core Short-Term U.S. Bond) is one of the commission-free ETFs available at Fidelity. I'm considering using it when necessary to re-balance out of equities for the following reasons: 1) ER is 0.12% 2) Duration is under three years 3) The only other short duration, low ER, commission-free option...

Langkawi

Be sure to plan for taxes. Generally RSUs are taxed like bonuses which mean they are only subject to 25% federal withholding on the first $1M of income. You'll need to make up for the difference between that 25% and your actual tax rate come tax season -- I've seen others forget about this and a $1...

Langkawi

Julieta wrote:Is it you sscritic?

That is an awesome tool.

Just put eyebonds.info into the Bogleheads search engine. The first result will lead you the author.

Langkawi

Ever Ready wrote:The link requires a subscription. However, a search will find the 2012 and 2013 versions are available for free.

As letsgobobby said, the current article is available through the Google backdoor.

Langkawi

bartbill wrote:US Banks wants see proof the TD accounts exist - and how much money is in there!! This makes no sense to me

US Bank is accepting liability by issuing the medallion signature guarantee, so it makes perfect sense that they want to understand the magnitude of the liability.

Langkawi

The following credit card really blows my mind as far as classifying its elements. Evidently *four* "brands" here. Two co-brands, one Payment Brand, and one Issuing Bank? Hawaiian Airlines® Business MasterCard credit card * Hawaiian Airlines (Co-brand) * Bank of Hawaii (Co-brand?!?) * MasterCard (P...

Langkawi

tidalwave10 wrote:what chief factors distinguish one payment network from another from a consumer perspective?

Amex forbids Dynamic Currency Conversion on its payment network which to me is a key positive differentiating factor vs Visa and MasterCard.

Langkawi

[OT comments removed by admin LadyGeek.]

Langkawi

Pretty much the same way:
https://personal.vanguard.com/us/funds/ ... =INT#tab=4
https://personal.vanguard.com/us/funds/ ... =INT#tab=4

Langkawi

thethinker wrote:I recently read an article which mentioned Mary Rowland's quote where she said "Don't Buy Bond Funds".

When you say recently, do you mean 18 years ago?
http://articles.sun-sentinel.com/1996-0 ... ry-rowland

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