Search found 425 matches

by Seattlenative
Fri Oct 21, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: 75th anniversary of Pearl Harbor attack
Replies: 16
Views: 2463

Re: 75th anniversary of Pearl Harbor attack

Gordon Prang's book "At Dawn We Slept" provides a rather detailed and interesting overview of the events of that day. "At Dawn We Slept" became the storyline for the epic cinematic depiction, "Tora Tora Tora!". Both the book and the film are very highly recommended. Some 27 years ago, I had the oppo...
by Seattlenative
Fri Oct 21, 2016 12:41 pm
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your CD ladder?
Replies: 22
Views: 4210

Re: Where do you keep your CD ladder?

Keeping laddered CDs at a bank or credit union involves one snag not present with brokered CDs: "automatic renewal". Over the years, I've become more and more annoyed at the nuisance of having a maturing CD automatically rollover into a new CD, then have a rather short "grace period" (depending on ...
by Seattlenative
Fri Oct 21, 2016 12:38 pm
Forum: Investing - Theory, News & General
Topic: Another reason to look at International
Replies: 7
Views: 1881

Re: Another reason to look at International

This makes no sense to me at all. Every country benefits from global trade, not just US. If global trade shrinks that is bad for entire world and all stock markets. So it cannot be true that it's good for international and bad for US. And in fact the article then goes on to discuss that very point....
by Seattlenative
Fri Jul 15, 2016 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 108
Views: 21031

Re: Wells Fargo

For those of you with the free trades, is there somewhere that it lists this? .... I have been with WF since the First Union days with a brokerage account and checking, and should have qualified for the free trades. I am starting to wonder what else I qualified for that they might have given me. .....
by Seattlenative
Fri Jul 15, 2016 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Index w/ good historical info for total world equity market
Replies: 7
Views: 775

Re: Index w/ good historical info for total world equity market

Morningstar has a benchmark that can be added to a mutual fund chart for something called "World Stock" It has data going back to 1955. I don't know for sure how the benchmark is created, but I believe it's derived from a composite of actual mutual funds. Chart When I clicked on the link, it brough...
by Seattlenative
Mon Jun 06, 2016 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Wells Fargo
Replies: 108
Views: 21031

Re: Wells Fargo

Like many here, I maintain deposits at more than one bank/credit union. I have enjoyed banking with Wells Fargo over the past 16 years, and have been enrolled at the Portfolio Management Account level for the past 11 years - which has included WellsTrade brokerage services which were enrolled (since...
by Seattlenative
Mon May 09, 2016 5:36 pm
Forum: Investing - Help with Personal Investments
Topic: Best bank for Home owners association banking
Replies: 10
Views: 2955

Re: Best bank for Home owners association banking

I no longer live in an HOA (condo in my case) but I served on our community association's board for a decade and was very familiar with our finances. Our community association management company handled our checking account, but not our association's maintenance reserve accounts. As you noted, some ...
by Seattlenative
Mon May 09, 2016 5:11 pm
Forum: Investing - Theory, News & General
Topic: Index Bond Funds
Replies: 10
Views: 1879

Re: Index Bond Funds

Could someone explain the difference in methodology between the Barclays "Float Adjusted" Aggregate Bond Index used by Vanguard (BND) and the standard Barclays Aggregate Bond Index? Looking at long-term time spans for these funds using Portfolio Visualizer, there are brief periods when"Float Adjuste...
by Seattlenative
Sat Mar 05, 2016 10:14 pm
Forum: Investing - Help with Personal Investments
Topic: Any good options in Wells Fargo?
Replies: 12
Views: 1827

Re: Any good options in Wells Fargo?

I love, love, LOVE my WellsFargo accounts! I am grandfathered into the no-commissions, everything free deal. One is not supposed to use the WellsFargo web site for any research. Do your research elsewhere, then buy what you want in your WellsTrade account without paying any commissions. This is sim...
by Seattlenative
Wed Jan 13, 2016 5:12 am
Forum: Investing - Help with Personal Investments
Topic: Where do you keep your CD ladder?
Replies: 22
Views: 4210

Re: Where do you keep your CD ladder?

Keeping laddered CDs at a bank or credit union involves one snag not present with brokered CDs: "automatic renewal". Over the years, I've become more and more annoyed at the nuisance of having a maturing CD automatically rollover into a new CD, then have a rather short "grace period" (depending on t...
by Seattlenative
Wed Jan 13, 2016 4:54 am
Forum: Investing - Help with Personal Investments
Topic: Are there any cheaper stock index ETFs that are better than VTI and VOO?
Replies: 20
Views: 3841

Re: Are there any cheaper stock index ETFs that are better than VTI and VOO?

Are there any cheaper stock index ETFs that are better than VTI and VOO? Yes as to "cheaper", no as to "better". The "cheaper" alternatives, SCHB and ITOT at 0.03% ER, for most investors are comparable and equivalent to VTI but not necessarily "better". If you are making small purchases, trading co...
by Seattlenative
Wed Jan 13, 2016 3:56 am
Forum: Investing - Help with Personal Investments
Topic: Where to open up a low balance retirement account?
Replies: 29
Views: 2006

Re: Where to open up a low balance retirement account?

I've invested with Vanguard for decades. I'm trying to help a young adult set up a very low balance Roth IRA. It seems that Vanguard is not the right place for such an account as they require a minimum $1k in the IRA for a Target Retirement 2045 fund. Family connections don't matter any more accord...
by Seattlenative
Mon Jan 04, 2016 3:44 pm
Forum: Personal Finance (Not Investing)
Topic: Costco AMEX Transition - Costco has no answers
Replies: 163
Views: 35193

Re: Costco AMEX Transition - Costco has no answers

I think it is a fairly safe bet that rewards points will not go through Costco after the end of the current cycle (rebate check with Feb statement). Note that recent billing statements regarding the sunset of this card has changed from the end of March to sometime after the end of March to the late...
by Seattlenative
Mon Jan 04, 2016 2:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

Final calculation of my 2015 rate of return: +1.69% Going forward, I will be extracting ROR data using the Return Sheet for Bogleheads (awaiting approval from the owner). Side note: Although my portfolio slightly outperformed an unadulterated Three-Fund Portfolio in 2015, which reflected some inadve...
by Seattlenative
Mon Jan 04, 2016 2:36 pm
Forum: Investing - Theory, News & General
Topic: M* 2015 fee study
Replies: 2
Views: 694

Re: M* 2015 fee study

Overall expense ratios are down, but investors continue to outsmarted by the industry. While the asset-weighted expense ratio has fallen, strong market appreciation and moderate inflows have pushed industry assets to record levels. We can proxy industry fee revenue by multiplying the asset-weighted...
by Seattlenative
Thu Dec 31, 2015 2:32 am
Forum: Local Chapters and Bogleheads Community
Topic: Seattle Chapter?
Replies: 122
Views: 23342

Re: Seattle Chapter?

delconte wrote:Planning on January, after the holidays. Will post details as soon as I have them.
Looking forward to a meeting in January. Happy New Year! :happy
by Seattlenative
Thu Dec 31, 2015 2:27 am
Forum: Investing - Help with Personal Investments
Topic: Ameritrade, Fidelity, Vanguard
Replies: 16
Views: 2543

Re: Ameritrade, Fidelity, Vanguard

All options are good. Pick the one/ones you like the best, has the features and funds you want, type of customer service you want and don't be too swayed by the free gifts. Pretty much all will offer something and those that do not will give back to you in other ways like vanguard. I have accounts ...
by Seattlenative
Thu Dec 31, 2015 2:07 am
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

I am surprised by many of the returns posted (with limited bonds) given the the Total US stock and Total Intl returns YTD. Maybe optimistic calculators? lol I am not surprised at all. I can leave out all my "bad" accounts or I can cherry pick my "good" account or I can Beardstown the whole thing. B...
by Seattlenative
Thu Dec 31, 2015 2:00 am
Forum: Investing - Theory, News & General
Topic: Indexing declared bad for Business
Replies: 4
Views: 1230

Re: Indexing declared bad for Business

Fortune's article headline, " America's Most Popular Investment May Be Toxic ", is unbelievably silly. I don't agree with the contentions set forth in the article, such as: 1)"Passive ownership is associated with less support for management proposals and more support for shareholder-initiated govern...
by Seattlenative
Wed Dec 30, 2015 5:23 pm
Forum: Investing - Help with Personal Investments
Topic: 1 etf for 4
Replies: 14
Views: 2033

Re: 1 etf for 4

AOA has about the market rate in REIT, so if you want any significant allocation to REIT (10% recommended) then you have to add VEU. AOA also does not have emerging markets (EM), LS funds do, and about the same amount of REIT as AOA. If you don't want EM, then you could use AOA and VEU. At any rate...
by Seattlenative
Wed Dec 30, 2015 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: 1 etf for 4
Replies: 14
Views: 2033

Re: 1 etf for 4

AOA is offered commission-free at TD Ameritrade as well as at Fidelity. As a side note, AOA is not commission-free at Fidelity. Good to know, I had been under the mistaken impression that all iShares funds were commission-free at Fidelity. AOA, AOR, AOM and AOK are commission-free at TD Ameritrade....
by Seattlenative
Wed Dec 30, 2015 5:13 pm
Forum: Investing - Theory, News & General
Topic: why indexing wins
Replies: 18
Views: 3590

Re: why indexing wins

http://www.etf.com/sections/index-investor-corner/swedroe-why-index-investing-wins?nopaging=1 Thought this would be of interest, some interesting data Best wishes Larry On this topic, could someone explain to me the difference between the Barclays Aggregate Bond Index (iShares AGG and Schwab SCHZ) ...
by Seattlenative
Wed Dec 30, 2015 5:02 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2308
Views: 1456491

Re: The Three Fund Portfolio

The key thing about any of the discussions about 'this is the best allocation', you can actually remove all of the qualitative discourse (he said, she said, in the last year its performance was good etc.) by calculating the risk adjusted return of the said portfolio over different time horizons.. T...
by Seattlenative
Wed Dec 30, 2015 4:57 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

The title of this thread to me encourages others to experience fear and greed, encourage trading (switching allocations) and to alter their well thought out financial maps for the future. I think I am one of many to whom the thread title has no such effect. I have other problems with this thread, b...
by Seattlenative
Wed Dec 30, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: Dividend payable dates - brokerage journaling discrepancies
Replies: 4
Views: 983

Re: Dividend payable dates - brokerage journaling discrepancies

I have IRAs at both TD Ameritrade and at Wellstrade (grandfathered PMA). I have noticed that Wellstrade's journaling of paid dividends is quicker, and dividend reinvestment quicker, than at TD Ameritrade. I have checked and double-checked the transaction history information for my accounts at both ...
by Seattlenative
Tue Dec 29, 2015 1:35 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

Through market close last night, my combined YTD retirement account assets between TD Ameritrade and Wellstrade are ITB 1.44%. It's ironic that when we moved our IRAs from Schwab to TD Ameritrade, I sold almost all of my Schwab ETF positions at a time when the market was up. I think that my inadvert...
by Seattlenative
Tue Dec 29, 2015 12:54 pm
Forum: Investing - Theory, News & General
Topic: Dividend payable dates - brokerage journaling discrepancies
Replies: 4
Views: 983

Dividend payable dates - brokerage journaling discrepancies

I have IRAs at both TD Ameritrade and at Wellstrade (grandfathered PMA). I have noticed that Wellstrade's journaling of paid dividends is quicker, and dividend reinvestment quicker, than at TD Ameritrade. I have checked and double-checked the transaction history information for my accounts at both b...
by Seattlenative
Tue Dec 29, 2015 1:46 am
Forum: Investing - Help with Personal Investments
Topic: 1 etf for 4
Replies: 14
Views: 2033

Re: 1 etf for 4

AOA has about the market rate in REIT, so if you want any significant allocation to REIT (10% recommended) then you have to add VEU. AOA also does not have emerging markets (EM), LS funds do, and about the same amount of REIT as AOA. If you don't want EM, then you could use AOA and VEU. At any rate...
by Seattlenative
Tue Dec 29, 2015 1:10 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3819
Views: 1078786

Re: What Movie Have You Recently Watched?

Tonight's home cinema showing with my wife: Walt Disney's classic "Beauty and the Beast". :D
by Seattlenative
Tue Dec 29, 2015 12:49 am
Forum: Investing - Theory, News & General
Topic: VB or IJR for small-cap US stocks?
Replies: 18
Views: 3866

Re: VB or IJR for small-cap US stocks?

Both ETFs look solid, but very different portfolios. I'm looking for a modest small-cap tilt. Any thoughts when comparing these two? If you happen to have a TD Ameritrade account, both VB and IJR are available commission-free. IJR's ER is 0.12% but as others have mentioned it captures a larger numb...
by Seattlenative
Mon Nov 30, 2015 3:57 am
Forum: Investing - Theory, News & General
Topic: Strictly Worse "Composite" Funds - Total World
Replies: 12
Views: 2271

Re: Strictly Worse "Composite" Funds - Total World

I'm as big of a fan of investing in the "total market" than the next guy. I'd easily choose Total US Stock Market over the S&P 500 index fund because of this fact. But sometimes, it seems like Vanguard's "total" funds are strictly worse than the sum of their parts....? Unless I misunderstood you, y...
by Seattlenative
Mon Nov 30, 2015 3:10 am
Forum: Investing - Theory, News & General
Topic: Strictly Worse "Composite" Funds - Total World
Replies: 12
Views: 2271

Re: Strictly Worse "Composite" Funds - Total World

Interesting note: the latest semi-annual report for VT shows the expense ratio for the previous six months as having dropped from 0.17% to 0.14%. What is the date for that report? The most recent semiannual report I can find online for the Total World Stock fund is dated 04/30/2015. The fund inform...
by Seattlenative
Mon Nov 30, 2015 2:36 am
Forum: Investing - Theory, News & General
Topic: $100 On October 9th, 2007 Worth How Much Today?
Replies: 29
Views: 6585

Re: $100 On October 9th, 2007 Worth How Much Today?

Keep in mind not merely stated net returns on an investment, but inflation-adjusted returns. Portfolio Visualizer provides a CAGR tool which can provide inflation-adjusted rates of return, which are much more useful in terms of assessing the real-world performance of your investments in terms of pas...
by Seattlenative
Mon Nov 30, 2015 2:21 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: 806
Views: 148493

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Although the sites "vanguardlawsuits.com" and "whyileftvanguard.com" are primarily about other lawsuits filed against The Vanguard Group and its subsidiary entities, it's worth a glance as it certainly presents a pro-David Danon "whistleblower" point of view: http://www.vanguardlawsuits.com/vanguard...
by Seattlenative
Sat Oct 17, 2015 11:48 pm
Forum: Investing - Help with Personal Investments
Topic: Roth vs Traditional?
Replies: 21
Views: 2963

Re: Roth vs Traditional?

Hey all, I've researched and have a comfortable grasp of the difference between Roth vs Traditional IRAs. However, I'm not seeing an obvious choice of which one would be best in my financial situation. I'm relatively new to investing and aggressively researching about it on my own. Initially, I dis...
by Seattlenative
Sat Oct 17, 2015 11:25 pm
Forum: Investing - Help with Personal Investments
Topic: HOA wants to do something with funds other than bank account
Replies: 19
Views: 1809

Re: HOA wants to do something with funds other than bank account

It's surprising your bylaws and CC&R's don't require the money to be in FDIC insured accounts. You might want to check on that. I'd vocally oppose and vote against anything but FDIC insured accounts. And if anything else passes, I'd immediately resign from the board at the same meeting. In Washingt...
by Seattlenative
Sat Oct 17, 2015 11:15 pm
Forum: Investing - Help with Personal Investments
Topic: Moving to Canada
Replies: 6
Views: 1585

Re: Moving to Canada

krow36 Thanks for the advice and I will post the question on the Financial Wisdom Forum, too. I'm seriously considering to start investing in the US because 1. Just from the sooner the better standpoint and 2. Once I move to Canada (which at this point not at all a done deal), I won't be able to op...
by Seattlenative
Sun Oct 11, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross sues Pimco
Replies: 46
Views: 6089

Re: Bill Gross sues Pimco

I hope Gross wins the compensation argument. I don't respect Gross and I think he is a fraud, but I don't have a positive opinion on PIMCO either. But corporation vs employee: I always root for the employee. Gross' attorneys got his case off on the wrong foot. Using polite language, I find their co...
by Seattlenative
Sun Oct 11, 2015 7:43 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

Over the centuries, equity markets have consistently exhibited periods of greater-than-average volatility, as well as the phenomena we know as bull markets and bear markets. For most of the history of equity markets, investors did not have the option of what we now call an "index fund", though they ...
by Seattlenative
Sun Oct 11, 2015 7:26 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross sues Pimco
Replies: 46
Views: 6089

Re: Bill Gross sues Pimco

I should note that I'm a paralegal with a significant amount of litigation experience on various types of cases, a few of which were large-scale but none having quite this degree of public interest. As a nonlawyer who has ended up being involved in the drafting, revision, finalization and court fili...
by Seattlenative
Sat Oct 10, 2015 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Cases regarding employer 401k fiduciary responsibility (wiki add?)
Replies: 9
Views: 1057

Re: Cases regarding employer 401k fiduciary responsibility (wiki add?)

Just out of personal curiosity I would be interested in lists, with citations, of pending and decided cases about 401k fees, fiduciary responsibility, etc . However, I doubt that such cases would be useful in campaigning for an improved 401k. In my opinion anything that might seem to imply a threat...
by Seattlenative
Sat Oct 10, 2015 8:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Barclays US aggregate bond index?
Replies: 7
Views: 1690

Re: Vanguard Barclays US aggregate bond index?

Personally I consolidated all of my fixed-income positions into AGG (the "pure" Barclays index), and theoretically Vanguard's "float-adjusted" Barclays index has somewhat more price fluctuation, but the difference is extremely miniscule. Given the choice, I picked the iShares fund - both AGG and BND...
by Seattlenative
Sat Oct 10, 2015 7:40 pm
Forum: Investing - Theory, News & General
Topic: Bill Gross sues Pimco
Replies: 46
Views: 6089

Re: Bill Gross sues Pimco

Did I miss a link to a copy of the Complaint? I'd love to read the details of the jurisdiction and venue, named plaintiff and defendant parties, enumerated allegations against the defendants, and prayer for relief. If indeed it's in U.S. District Court, if I knew the specific state and district I co...
by Seattlenative
Sat Oct 10, 2015 7:07 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

YTD (excluding new-account bonuses from TD Ameritrade): 2.20%, which reflects some rebalancing and moving funds away from cash. Here's my updated AA, and cost basis performance for my current positions many of which I haven't held all of this year: 39.44% of AA: iShares Barclays Aggregate Bond Index...
by Seattlenative
Sat Oct 10, 2015 6:55 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

Up 1.48% All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each: iShares Barclays Aggregate Bond Index (AGG): 39.92% Vanguard Total World Index (VT): 27.62% Vanguard Value Index (VTV)...
by Seattlenative
Tue Oct 06, 2015 9:11 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 2001
Views: 372394

Re: What are you up YTD? [Year To Date]

Up 1.48% All of the assets here are in IRAs. It took me awhile to whittle my positions down to the following eight ETFs, plus a couple of CDs. Here's the current AA shown for each: iShares Barclays Aggregate Bond Index (AGG): 39.92% Vanguard Total World Index (VT): 27.62% Vanguard Value Index (VTV):...
by Seattlenative
Tue Oct 06, 2015 8:21 pm
Forum: Personal Consumer Issues
Topic: 20th Century Stereo in a 21st Century World
Replies: 71
Views: 8439

Re: 20th Century Stereo in a 21st Century World

The picture was mine. The Sony ES series had pretty nice amps and electronics so I have not really had a compelling reason to replace it as it would not be easy to replace in kind without spending a decent chunk. It does everything I have needed it to so far. Just for the record, Sony has made some...
by Seattlenative
Wed Sep 30, 2015 6:56 pm
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: 806
Views: 148493

Re: Vanguard sued for charging too little

It seems to me there is plenty of precedence for this, from mutual insurance associations to agricultural co-ops to warehouse clubs organized to lower costs for members. L. This brings up the topic of credit unions. Credit unions are organized as not-for-profit associations. In the credit union bus...
by Seattlenative
Tue Sep 22, 2015 12:58 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 533
Views: 80647

Re: upgrade to Windows 10?

No. Our Windows 8.1 home desktop computer is used by my wife for her home business as well as a couple of courses she is taking at a local college. Having QuickBooks 2014 run correctly is mission-critical. Intuit has advised that they will NOT support QuickBooks 2014 on the Windows 10 platform, so w...
by Seattlenative
Tue Sep 22, 2015 12:50 pm
Forum: Personal Consumer Issues
Topic: 20th Century Stereo in a 21st Century World
Replies: 71
Views: 8439

Re: 20th Century Stereo in a 21st Century World

I know you said you're happy with your receiver, but you may want to upgrade that component to get some network capability. I have poor FM reception in my area, but I purchased a Denon which utilizes vTuner , so that I can stream an untold number of radio stations over the internet. I listen to my ...