Search found 113 matches

by Coles
Fri May 06, 2016 7:49 pm
Forum: Investing - Theory, News & General
Topic: Where is Rick Ferri? [Portfolio Solutions management and fee structure]
Replies: 95
Views: 25407

Re: Where is Rick Ferri?

I am a client of Portfolio Solutions...Also missing from their website is my Relationship Manager; I last corresponded with him about a month ago. This is quite disturbing. Unfortunately, I can't call until Monday to see what the heck is going on. It would have been nice to have been given a "heads...
by Coles
Mon May 02, 2016 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings account concern ?
Replies: 2
Views: 857

Re: Online savings account concern ?

You may have missed the note: Dollar figures in thousands (000's). Their total deposits are $19 Billion.
This number would play no factor in my decision whether to use this bank.
by Coles
Mon Apr 25, 2016 2:20 am
Forum: Investing - Help with Personal Investments
Topic: Total Bond vs Municipal Bond Funds
Replies: 66
Views: 12190

Re: Total Bond vs Municipal Bond Funds

when I calculate the equivalent yield of Vanguard California Intermediate Term Tax-Exempt (SEC Yield 1.29%) I get 2.057% = 1.29% / (1-0.28-0.093). Just to nitpick, but if you itemize deductions, you should use 0.093 x (1-0.28) as the state tax rate in the above calculation. This will lower the equi...
by Coles
Thu Apr 21, 2016 7:52 pm
Forum: Personal Consumer Issues
Topic: Better than amazon??
Replies: 86
Views: 15972

Re: Better than amazon??

I recently bought a new book at bookdepository.com The book was about $12 at Amazon plus shipping and tax. The book was two dollars cheaper at Book Depository before shipping/tax. In addition, shipping is free on all items regardless of how little you order and no tax was charged. You mean no sales...
by Coles
Wed Apr 20, 2016 3:49 pm
Forum: Investing - Theory, News & General
Topic: Did Rick Ferri sell his firm?
Replies: 21
Views: 8016

Re: Did Rick Ferri sell his firm?

Nobody at Portfolio Solutions would answer my direct question this afternoon "Is Rick Ferri still associated with Portfolio Solutions?" They just passed me from one person to another (three of them) before I hung up without an answer. :annoyed Maybe Rick will come online here and answer the questio...
by Coles
Sat Apr 16, 2016 12:22 am
Forum: Personal Finance (Not Investing)
Topic: What is not to like about iShares Core Total USD Bond Market?
Replies: 19
Views: 4674

Re: What is not to like about iShares Core Total USD Bond Market?

Avg Eff Duration= 0.04 Yrs, Avg Eff Maturity= 2.67 Yrs Do you really believe these numbers are realistic or do you just like to blindly copy-and-paste from third-party sources? Try using first-party sources next time and ponder what a duration of 0.04 years means. https://www.ishares.com/us/product...
by Coles
Wed Apr 13, 2016 4:19 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 5608

Re: I Bonds before end of the month?

If you buy before the end of the month, you will receive the current variable rate for 6 months. You will receive the new variable rate starting October. If you buy May 1st or after, you will receive the new variable rate immediately. March 2016 CPI data are scheduled to be released on April 14, 201...
by Coles
Thu Mar 31, 2016 11:56 pm
Forum: Investing - Help with Personal Investments
Topic: TSM vs TSM Tax Efficiency: Vanguard VTSAX vs Schwab SWTSX
Replies: 15
Views: 4467

Re: TSM vs TSM Tax Efficiency: Vanguard VTSAX vs Schwab SWTSX

in_reality wrote:SCHB QDI percentage was 95.33%. If it's within 5% of 100, I believe they can report it as 100%.
Well that begs the question, "Why didn't they report it as 100%?"
by Coles
Thu Mar 31, 2016 2:22 am
Forum: Investing - Theory, News & General
Topic: Fidelity Go
Replies: 5
Views: 1596

Re: Fidelity Go

jjface wrote:i have to subscribe or sign in to read it
No you don't. The Google backdoor is working fine.
by Coles
Tue Mar 22, 2016 1:09 am
Forum: Personal Finance (Not Investing)
Topic: Capital One 360 New Money Market Account, 1% on over 10k
Replies: 99
Views: 28118

Re: Capital One 360 New Money Market Account, 1% on over 10k

I have been with SFGI Direct for years ...I can do simple transfers ( unlimited as far as I know ) with an external checking account ... Sorry but SFGI Direct doesn't have a special exemption from Regulation D. http://www.sfgidirect.com/FAQ.aspx Q: Is there a limit on the amount of money I can tran...
by Coles
Sat Mar 19, 2016 7:10 pm
Forum: Investing - Theory, News & General
Topic: What is the point of a dividend?
Replies: 92
Views: 8504

Re: What is the point of a dividend?

Dirghatamas wrote:One side gains nothing by getting cash through dividends (instead of buybacks)
There are agency costs to buybacks. Difficult to quantify, but very real.
by Coles
Fri Mar 04, 2016 11:02 pm
Forum: Investing - Help with Personal Investments
Topic: Annual bonus
Replies: 10
Views: 1954

Re: Annual bonus

prettybogle wrote:I did not elect to contribute part of it to 401k. Is it recommended to do ? Are there any benefits to contributing bonus to 401k ?
You may be foregoing the company match. It depends on your specific plan rules.
by Coles
Fri Mar 04, 2016 7:50 pm
Forum: Investing - Theory, News & General
Topic: Poll: Active Funds in Which You Invest
Replies: 76
Views: 7190

Re: Poll: Active Funds in Which You Invest

"Did somebody say it was????" Say? No. Imply? Frequently. There is a perpetual implicit assumption at this site that Bogleheads and Vanguard, mistakenly assumed to be a pure index house, are one and the same. It leads to the further (foolish) assumption that Vanguard "active" funds are therefore a ...
by Coles
Wed Mar 02, 2016 1:51 am
Forum: Investing - Theory, News & General
Topic: value of $1 in taxable account vs. in traditional 401K?
Replies: 50
Views: 4479

Re: value of $1 in taxable account vs. in traditional 401K?

It does not matter whether taxes are paid up front or at the end. Now with that in mind, a taxable account is like a Roth, but in addition to the up front tax it pays a taxes on the capital gains. I urge folks who are suggesting that a taxable amount results in a higher real dollar amount to run a ...
by Coles
Tue Mar 01, 2016 3:13 am
Forum: Investing - Theory, News & General
Topic: China's A, B and H Shares
Replies: 19
Views: 1300

Re: China's A, B and H Shares

Originally HongKong was British and had a different currency pegged to the US dollar. There has been no change in Hong Kong's currency since World War II and the US dollar peg implemented in 1983 remains in effect to this day (with minor tweaks). Additionally, your use of the word "originally" is h...
by Coles
Sat Feb 13, 2016 1:17 am
Forum: Investing - Theory, News & General
Topic: Was today's rally temporary?
Replies: 29
Views: 4887

Re: Was todays rally temporary?

You have been given excellent advice in the following threads: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=183399 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=183681 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=181963 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=18...
by Coles
Wed Feb 10, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Make sense to invest in a fund that doesn't pay distributions?
Replies: 11
Views: 641

Re: Make sense to invest in a fund that doesn't pay distributions?

jjface wrote:That is odd an international fund not paying distributions.
Google "Collective Investment Trust"
by Coles
Thu Jan 28, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5717

Re: VFIDX up .83% in one day?

On Vanguard's site, they have restated the Jan. 22 prices of VFIDX and VFICX to a more reasonable value.
by Coles
Mon Jan 25, 2016 7:16 pm
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5717

Re: VFIDX up .83% in one day?

Today's results: Intermediate-Term Investment-Grade Fund (VFIDX) -0.82% Intermediate-Term Corporate Bond Index Fund (VICSX) +0.18% Short-Term Corporate Bond Index (VSCSX) +0.00% Long-Term Corporate Bond Index (VLTCX) +0.22% Fidelity Corporate Bond (FCBFX) +0.09% My confidence that Friday's move in V...
by Coles
Sat Jan 23, 2016 11:36 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 5717

Re: VFIDX up .83% in one day?

I would say that worrying about the causes of 1-day fluctuations in NAV of any fund is a path to near insanity. You'd better off if you didn't even look at daily changes in value. One of the major reasons to invest in funds is so you can live the rest of your life. There was an equity market rally,...
by Coles
Wed Jan 20, 2016 1:31 am
Forum: Investing - Theory, News & General
Topic: Is your January 15 TIPS interest correct?
Replies: 12
Views: 2800

Re: Is your January 15 TIPS interest correct?

6 years later, VBS still not getting it right. :oops:
by Coles
Fri Jan 15, 2016 1:56 am
Forum: Personal Finance (Not Investing)
Topic: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it
Replies: 70
Views: 10801

Re: 29 and quitting job for long honeymoon. Is it a bad idea? Talk me out of it

OP - if you take anything away from this thread, please let it be this. Fiancée is not spelled "fiance".
by Coles
Fri Jan 15, 2016 1:40 am
Forum: Investing - Theory, News & General
Topic: What would you tell your 25 yr old self?
Replies: 99
Views: 9352

Re: What would you tell your 25 yr old self?

Great decision to marry that awesome girl. You sure out kicked your coverage! Never understood the logic of describing positive outcomes with this platitude. Since out kicking the coverage in the literal sense has negative consequences, then unless you got burned by marrying a woman better than you...
by Coles
Fri Jan 15, 2016 1:23 am
Forum: Investing - Help with Personal Investments
Topic: brokered CDs
Replies: 23
Views: 1926

Re: brokered CDs

RustyShackleford wrote:The dropdown for "Reinvest ?" in my account listing is blank (no yes/no choice) so I guess I can assume it's reinvested (the option of getting more details is offline now for some reason).
Unfortunately, no. With Brokered CDs, you don't have the option of reinvesting the interest payments.
by Coles
Wed Jan 13, 2016 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity has updated their guidelines on saving
Replies: 15
Views: 2687

Re: Fidelity has updated their guidelines on saving

Forum Rules - Section 5e Quoting outside material The forum is not a clipping service. Please keep copyright restrictions in mind and reproduce only materials that qualify under fair use and limit your quotation to the minimum necessary to make your point. When possible, provide links to the origin...
by Coles
Mon Jan 11, 2016 12:00 am
Forum: Investing - Theory, News & General
Topic: Elementary Question
Replies: 3
Views: 687

Re: Elementary Question

76.8% x 23.6% = 18.1%
by Coles
Thu Jan 07, 2016 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: I chose to reinvest to fund, but received a check for the dividend
Replies: 9
Views: 879

Re: I chose to reinvest to fund, but received a check for the dividend

nolapepper wrote:History of the fund: Bought in June, TLH to VFWAX in August, then exchanged back in middle of December.
If you sold all of VTIAX in August, then your selections for dividend/capital gains reinvestment are lost. Did you re-select them when you bought VTIAX again in December?
by Coles
Wed Dec 02, 2015 6:19 pm
Forum: Investing - Theory, News & General
Topic: To calculate CAGR, how long is "a year?"
Replies: 21
Views: 3156

Re: To calculate CAGR, how long is "a year?"

In my opinion one should ignore the total number of days and any attempt to convert that to years. Instead: Compute the fraction of a year from 8/31/1976 to 11/30/1976: 91/366 [ 1 ] Compute the number of years from 11/30/1976 to 11/30/2015: 39 Add to get total number of years: 39 + 91/366 :?: Is th...
by Coles
Wed Dec 02, 2015 6:06 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 10314

Re: [Vanguard Federal Money Market Fund Reopened - MUST USE]

Longdog wrote:I also wonder, despite what Vanguard said, if they can avoid that fee - which was not identified as optional.
It is optional for Government funds such as the Vanguard Federal Money Market Fund.
by Coles
Tue Dec 01, 2015 1:44 pm
Forum: Investing - Theory, News & General
Topic: Bloomberg Article [Vanguard’s Gain Is Wall Street’s Pain]
Replies: 30
Views: 3790

Re: Bloomberg Article worth sharing?

Here's the original article for those that prefer to avoid content scrapers like Yahoo Finance.
http://www.bloomberg.com/news/articles/ ... l-industry
by Coles
Tue Nov 24, 2015 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Get up to $30 back per Amex card (Small Business Sat, 11/29)
Replies: 82
Views: 11984

Re: Saturday November 28?

However, and perhaps my eyes are just failing me today, but I'm not finding any actual offer for consumers described anywhere. Can anyone find something published by American Express describing something similar to the $10 deal last year? Or do they just expect us to use our AMEX at small businesse...
by Coles
Thu Nov 19, 2015 10:43 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront/Betterment inflating ETF prices?
Replies: 18
Views: 2724

Re: Wealthfront/Betterment inflating ETF prices?

ETFs aren't the same as closed-end funds.
Google "Authorized Participant Creation Unit"
by Coles
Tue Nov 17, 2015 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Admiral Shares Turnover and Capital Gains Questions
Replies: 8
Views: 1092

Re: Vanguard Balanced Index Fund Admiral Shares Turnover and Capital Gains Questions

hrc84 wrote: Unfortunately, Vanguard only has the last ~1.5 years of distribution history for the fund.
The annual and semi-annual reports have the entire history.
by Coles
Thu Nov 12, 2015 8:35 pm
Forum: Investing - Theory, News & General
Topic: Schwab's new REIT fund
Replies: 11
Views: 1813

Re: Schwab's new REIT fund - 0.13% ER

I recommend reading the prospectus for SFREX rather than relying on third party sites for the expense ratio. The ER is nowhere close to 0.13%.
by Coles
Fri Nov 06, 2015 10:16 pm
Forum: Investing - Theory, News & General
Topic: Genius of Vanguard's business model
Replies: 27
Views: 4215

Re: Genius of Vanguard's business model

GoldenFinch wrote:I think financial literacy should be taught in schools K-12.
They first need to start with general literacy, e.g. the difference between insuring and ensuring (see OP). :P
by Coles
Thu Nov 05, 2015 6:49 pm
Forum: Investing - Theory, News & General
Topic: Where Are The Lists - Haven't They Posted Yet?
Replies: 2
Views: 693

Re: Where Are The Lists - Haven't They Posted Yet?

https://personal.vanguard.com/us/insigh ... le-102015/
Looks like Nov. 12 is Vanguard's date for the preliminary estimates.
by Coles
Sun Nov 01, 2015 9:58 pm
Forum: Investing - Theory, News & General
Topic: Question on breaking a CD
Replies: 23
Views: 2401

Re: Question on breaking a CD

PenFed is well known for having an EWP that does not eat into principal under any circumstances. That is not common. Not any more go look at the changes they recently made to ALL EWP's on CD's. I'm sorry that you are not able to understand the recent changes to PenFed's EWP, but my original stateme...
by Coles
Thu Oct 29, 2015 3:41 pm
Forum: Investing - Theory, News & General
Topic: Question on breaking a CD
Replies: 23
Views: 2401

Re: Question on breaking a CD

PenFed is well known for having an EWP that does not eat into principal under any circumstances. That is not common.
by Coles
Wed Oct 28, 2015 7:47 pm
Forum: Investing - Theory, News & General
Topic: November I Bond Interest Rate Thread! [fixed goes from 0% to 0.10%]
Replies: 43
Views: 5467

Re: November 2015 I Bond Rate

The variable portion of the rate is easily calculable as 1.54%
by Coles
Sun Oct 25, 2015 3:52 am
Forum: Personal Finance (Not Investing)
Topic: IRAs seem to offer very little asset protection in some states
Replies: 18
Views: 3408

Re: IRAs seem to offer very little asset protection

LadyGeek wrote:Have you considered protection under a QDRO (qualified domestic relations order)?
Classic :oops:
by Coles
Fri Oct 09, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 30
Views: 5844

Re: EE/I Bond Rate Predictions for May 1 2015?

Renewing this thread. Does anyone know when the November 2015 iBond rate will be announced? I am thinking of moving my iBond funds to the NWFCU 3.04% 3 year CD . . . . The new fixed rate will be announced Monday, November 2. The inflation adjustment will be calculable on October 15 when the BLS rel...
by Coles
Thu Oct 08, 2015 6:05 pm
Forum: Personal Consumer Issues
Topic: Need info on starting a blog
Replies: 9
Views: 1273

Re: Need info on starting a blog

This recent thread may be useful:
viewtopic.php?t=168964
by Coles
Wed Oct 07, 2015 6:35 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 30677

Re: ALLY Bank and the new tier announcement

Kevin M wrote:Anyone know if there are any downsides to a bank money market account, like at Ally or Synchrony, vs. a checking account?
The money market accounts are subject to Regulation D (no more than six automatic or preauthorized transfers or withdrawals)
by Coles
Wed Oct 07, 2015 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Legal marriage before wedding for tax/benefits?
Replies: 55
Views: 5060

Re: Legal marriage before wedding for tax/benefits?

mmmodem wrote:Do your numbers for your own situation.
Did you read the OP?
mmmodem wrote:P.S. We could care less what other people think about ceremony and marriage.
Image
by Coles
Mon Oct 05, 2015 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: ALLY Bank and the new tier announcement
Replies: 128
Views: 30677

Re: ALLY Bank and the new tier announcement

It'll be interesting to see how much variation there will be between the tiers.

Currently at Synchrony Bank, the savings account APY is the same for all levels:
https://synchronybank.com/banking/produ ... /index.htm
Scroll to bottom of page
by Coles
Sat Oct 03, 2015 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Any thing else to invest in besides the stock market/bonds?
Replies: 9
Views: 1422

Re: Any thing else to invest in besides the stock market/bonds?

Farmland, stamps, coins, art, gold, silver, wine, collectable cars, peer to peer lending to name a few.