Search found 222 matches

by jmFightSpam
Tue Apr 29, 2008 7:10 pm
Forum: Investing - Theory, News & General
Topic: Absolute Return Notes: Opinions?
Replies: 8
Views: 1829

jm, without knowing the details on the costs, you can't evaluate whether this is a good investment. But even without knowing the details, do you think you're smarter than the business offering this investment? Sounds a lot like a Vegas-style bet to me, and we know the house always wins in the long ...
by jmFightSpam
Tue Apr 29, 2008 4:57 pm
Forum: Investing - Theory, News & General
Topic: Absolute Return Notes: Opinions?
Replies: 8
Views: 1829

Re: Complex securities?

If what I wrote as the explanation is correct, I don't consider it very complicated at all. Complex in terms of analyzing whether it is a good deal or not. I'm not up to the task, but it sounds like it is equivalent to some combinations of options. You'd have to decompose it into components and pri...
by jmFightSpam
Tue Apr 29, 2008 3:10 pm
Forum: Investing - Theory, News & General
Topic: Absolute Return Notes: Opinions?
Replies: 8
Views: 1829

Re: Complex securities?

Hi JM: So what is the opinion from those on this forum about absolute return notes? Jane Bryant Quinn expressed my opinion: "You shouldn't buy anything too complex to explain to the average 12-year-old." Best wishes. Taylor If what I wrote as the explanation is correct, I don't consider i...
by jmFightSpam
Tue Apr 29, 2008 12:35 pm
Forum: Investing - Theory, News & General
Topic: Absolute Return Notes: Opinions?
Replies: 8
Views: 1829

Absolute Return Notes: Opinions?

Hi, So what is the opinion from those on this forum about absolute return notes? From the way I understand them, is that a brokerage firms says: "OK, you give us $X (let's say $3000) and here is what you get. We will guarantee up to a certain percentage (let's say 17%) an absolute return on you...
by jmFightSpam
Fri Apr 25, 2008 8:32 pm
Forum: Investing - Theory, News & General
Topic: Bond Ladders, etc. vs. Bond Funds
Replies: 3
Views: 971

Re: Bond Ladders, etc. vs. Bond Funds

You might be interested in reading individual bonds or bond mutual funds . You won't lose your principal if you keep your bonds to maturity. The market value of the bonds you have may drop below the purchase price though. If I remember correctly, you are with Fidelity. You should be able to buy Tre...
by jmFightSpam
Fri Apr 25, 2008 8:10 pm
Forum: Investing - Theory, News & General
Topic: Bond Ladders, etc. vs. Bond Funds
Replies: 3
Views: 971

Bond Ladders, etc. vs. Bond Funds

OK, With Bond Ladders and those type of "individual" bond investments, your principal is guaranteed, right? You won't lose any money. But with bond funds you can lose money since they are traded back and forth. Do people choose bond funds because they historically give higher returns than ...
by jmFightSpam
Fri Apr 25, 2008 4:29 pm
Forum: Investing - Theory, News & General
Topic: Rebate Checks - Auto Deposit
Replies: 8
Views: 2158

Re: Rebate Checks - Auto Deposit

I'm not sure I understand - didn't you have a recent tax refund auto-deposited into your bank account? Or did you simply submit auto-deposit info with your tax return, while you owed the govt something, or chose to accept check instead of auto-deposit? I'm a bit confused here... I had a refund, but...
by jmFightSpam
Fri Apr 25, 2008 4:21 pm
Forum: Investing - Theory, News & General
Topic: Rebate Checks - Auto Deposit
Replies: 8
Views: 2158

Re: Rebate Checks - Auto Deposit

Hi, When I did my taxes I chose to get my rebate check auto-deposited. I would assume those that chose that option would be one of the first to get theirs. Is that true? When should one worry if they aren't seeing their rebate check deposited automatically? Give it a couple of weeks? Thanks. I don'...
by jmFightSpam
Fri Apr 25, 2008 4:04 pm
Forum: Investing - Theory, News & General
Topic: Why do companies announce earnings *after* the bell?
Replies: 9
Views: 5196

Why do companies announce earnings *after* the bell?

I always wondered why most companies announced earnings after the bell? Is it to avoid hard-core fluctuations in their stock price during a trading day? I figure with after hours and all that, it wouldn't matter much. Or is it just tradition?
by jmFightSpam
Fri Apr 25, 2008 4:03 pm
Forum: Investing - Theory, News & General
Topic: Rebate Checks - Auto Deposit
Replies: 8
Views: 2158

Rebate Checks - Auto Deposit

Hi,
When I did my taxes I chose to get my rebate check auto-deposited. I would assume those that chose that option would be one of the first to get theirs. Is that true? When should one worry if they aren't seeing their rebate check deposited automatically? Give it a couple of weeks?
Thanks.
by jmFightSpam
Fri Apr 18, 2008 1:18 pm
Forum: Investing - Theory, News & General
Topic: TIP ETF vs. Buying I-Bonds
Replies: 5
Views: 1852

Thanks for the reply. I am not worried about short term losses, for sure. I guess I just had some misconceptions. So if I bought the TIP ETF today, I am pretty much assured it won't lose any money 15-20 years from now because the TIPS in that fund would have matured or something. Maybe I need a litt...
by jmFightSpam
Fri Apr 18, 2008 12:58 pm
Forum: Investing - Theory, News & General
Topic: TIP ETF vs. Buying I-Bonds
Replies: 5
Views: 1852

TIP ETF vs. Buying I-Bonds

I am just trying to get my head around something. If you had TIPS as part of your allocation, your choices are to by a fund of TIPS or buying indvidual TIPS like an I-Bond. You can lose your principal with the TIP ETF, but you can't with the Individual TIP, right? Right now I own the TIP ETF (TIP) a...
by jmFightSpam
Fri Apr 18, 2008 11:20 am
Forum: Investing - Theory, News & General
Topic: New I Bond Composite Rate--6.06%
Replies: 218
Views: 64133

I have 3 sets of I-Bonds with TreasuryDirect. Here is the info. Issue Date Interest Rate Amount Current Value 01-01-2006 4.08% $4,000.00 $4,336.00 05-01-2005 4.28% $3,000.00 $3,367.20 11-01-2004 4.08% $3,000.00 $3,411.60 So this new rate that just came out will apply to these 3 sets of I-Bonds, righ...
by jmFightSpam
Fri Apr 18, 2008 10:41 am
Forum: Investing - Theory, News & General
Topic: Credit Score Risk?
Replies: 1
Views: 802

Credit Score Risk?

Hi, I want to apply for a credit card that helps save for my kids 529 plan. Seems like a pretty good deal. But, I may be buying a house towards the end of the year where I may need a mortgage. My current credit score is about 776. Will my credit score go down if I apply for this credit card? Should ...
by jmFightSpam
Sun Apr 13, 2008 12:11 pm
Forum: Investing - Theory, News & General
Topic: What is the Diehards' view of the economic stimulus check?
Replies: 44
Views: 8749

I am going to show the check to my two toddlers and say "Look boys! This is the future that my government is leaving to your children. Tell your children to have fun paying all this money back."
by jmFightSpam
Sun Apr 13, 2008 10:45 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1042
Views: 579223

Hi, Simba, TrevH, or to whom it may concern: Where did you get the data from to populate the spreadsheet? Thanks. There is a data sources tab in the spreadsheet that explains for each asset class. Thank you financialguy and simba (who sent me a PM). It looks like the link to m is not working anymor...
by jmFightSpam
Fri Apr 11, 2008 12:00 pm
Forum: Forum Issues and Administration
Topic: gmail address registrations temporarily banned to fight spam
Replies: 4
Views: 2369

There is a long list of domains that provide throwaway email addresses. Such domains provide a useful service to those who prefer to remain relatively anonymous on the Web. There are good reasons to protect your privacy by seeking anonymity but there are also bad reasons. We add domains to the bann...
by jmFightSpam
Fri Apr 11, 2008 11:24 am
Forum: Forum Issues and Administration
Topic: gmail address registrations temporarily banned to fight spam
Replies: 4
Views: 2369

gmail address registrations temporarily banned to fight spam

Hi, I know someone trying to register for the Bogleheads forum and when he tries to register, he keeps getting that his email address has been banned. He has tried two different ones, even creating a new email address from scratch. Why? Thanks. [I changed the title to more accurately reflect what is...
by jmFightSpam
Fri Apr 11, 2008 10:25 am
Forum: Personal Finance (Not Investing)
Topic: Connect MP3 Player to TV?
Replies: 2
Views: 962

Connect MP3 Player to TV?

Hi,

Is it possible to connect and listen to an MP3 player via a TV (I have a Panasonic 50" plasma)? And, if so, do I just connect to an available Audio In port on the TV?

Thanks.
by jmFightSpam
Wed Apr 09, 2008 4:05 pm
Forum: Investing - Theory, News & General
Topic: SBBI Yearbook alternatives?
Replies: 3
Views: 1222

Thanks for the replies.

I am wondering where the data in the spreadsheet referred to by this thread came from? It seems pretty complete, but I am just wondering if it is accurate.

http://www.diehards.org/forum/viewtopic ... t+backtest
by jmFightSpam
Wed Apr 09, 2008 2:23 pm
Forum: Investing - Theory, News & General
Topic: SBBI Yearbook alternatives?
Replies: 3
Views: 1222

SBBI Yearbook alternatives?

Hi, Has anyone heard of the stocks, bonds, bills and inflation yearbook? m Basically, the key data I am interested in is the annual returns dating back to 1926. And I am specifically looking for annual returns for the major indicies and asset classes (total market, tips, small-cap value, etc.). Does...
by jmFightSpam
Tue Apr 08, 2008 1:08 pm
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1042
Views: 579223

Hi,

Simba, TrevH, or to whom it may concern:

Where did you get the data from to populate the spreadsheet?

Thanks.
by jmFightSpam
Mon Apr 07, 2008 6:08 pm
Forum: Investing - Theory, News & General
Topic: Best Place to Find Historical Data For Asset Categories?
Replies: 0
Views: 688

Best Place to Find Historical Data For Asset Categories?

Hi, If I wanted to get information about various indexes over history, where *online*would be the best place to get this information from? Specifically, I am looking for year over year returns. For example, if I wanted to know how the Total Stock Market or Small Cap Value or REITs have done year ove...
by jmFightSpam
Mon Apr 07, 2008 3:31 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Mutual Fund: ETF poses more risk?
Replies: 9
Views: 2463

I see... Thanks for your reply... What do you think about ETF vs. Admiral Shares, for same fund... Thanks again!!! I consider that a wash. The admiral shares will usually have just as good expense ratios as the ETFs. But ETFs to me are more flexible if for some reason you needed to get out of a pos...
by jmFightSpam
Mon Apr 07, 2008 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: ETF vs Mutual Fund: ETF poses more risk?
Replies: 9
Views: 2463

To me the only risks of ETFs come with short term traders and very frequent buyers because of (1) bid-ask spreads (2) commissions. If you buy once a year or even every quarter, you will see negligible difference in my mind vs. the same mutual fund given that you can get lower expense ratios with ETF...
by jmFightSpam
Mon Apr 07, 2008 10:10 am
Forum: Investing - Theory, News & General
Topic: Why is IJS (small cap value) so tax EFFICIENT
Replies: 6
Views: 2416

I own IJS (10% of my overall portfolio) in my taxable account. Definitely better than REITs and Bonds, that's for sure.
by jmFightSpam
Sun Apr 06, 2008 3:31 pm
Forum: Investing - Theory, News & General
Topic: splitting between Fidelity and Vanguard...
Replies: 4
Views: 1592

Re: splitting between Fidelity and Vanguard...

mptfan wrote:
btownguy wrote:Just wondering if there is any difference in these two.


Yes.


That response made it crystal clear.
by jmFightSpam
Sat Apr 05, 2008 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: E*Trade has made me mad, international funds and Form 1042-S
Replies: 9
Views: 2495

I just got exactly the same thing. E*Trade continue to demonstrate that they can't execute on their mutual funds, ETINX has had short & long term distributions the last 2 years, and a return of capital distribution in 2007. This just goes to reinforce my plan to get out of all the etrade run fu...
by jmFightSpam
Sat Apr 05, 2008 10:29 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade has made me mad, international funds and Form 1042-S
Replies: 9
Views: 2495

JM, It appears that someone at the E*Trade screwed up with your tax reporting because you should only get a 1042-S if you are a foreign person with U.S. source income. You should contact the E*Trade ASAP (unless, of course, you are a foreign person). Nope. I am a U.S. Citizen. Thanks for the reply....
by jmFightSpam
Sat Apr 05, 2008 10:26 am
Forum: Personal Finance (Not Investing)
Topic: Re-filing Taxes
Replies: 1
Views: 764

Re-filing Taxes

Hi, Anyone here use TurboTax? Let's say you have filed already. You paid your $30 or whatever to file your federal and state return. But after you file you get an amended tax form - or - Turbo Tax issues updates to its software to correct things. Do you have to pay again to re-file? Thanks.
by jmFightSpam
Sat Apr 05, 2008 10:10 am
Forum: Investing - Help with Personal Investments
Topic: E*Trade has made me mad, international funds and Form 1042-S
Replies: 9
Views: 2495

E*Trade has made me mad, international funds and Form 1042-S

OK, I have filed my taxes already. I figure it is safe to file on March 31. I think any corrections made would have been done by now. But oh no!!! E*Trade today decides to send me, on April 4, an amended 1099. Ugh!!! What the heck! 10 days before the filing deadline, I get a new 1099. That is redicu...
by jmFightSpam
Fri Apr 04, 2008 8:58 pm
Forum: Investing - Theory, News & General
Topic: Bill Miller loses 20% in one quarter!
Replies: 56
Views: 10210

Re: Adding Small-Cap/Value stocks?

Taylor, are you saying I should get out of this (SV) and move that 10% to something else for the long term? I have never said to avoid Small-Cap Value stocks. My favorite 4-fund portfolio has this footnote: "Larger portfolios may benefit from adding TIPS, REIT, or Small-Cap Value in tax-deferr...
by jmFightSpam
Fri Apr 04, 2008 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: which MMF for emergency cash
Replies: 9
Views: 2291

Almost there wrote:Could you please indicate the online bank?
thank you


Sorry.... Countrywide -- and yes it is under the FDIC limit :wink:
by jmFightSpam
Fri Apr 04, 2008 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: which MMF for emergency cash
Replies: 9
Views: 2291

I have mine in an online bank paying about 4%
by jmFightSpam
Fri Apr 04, 2008 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: Is 50% TIPS fund / 50% Total Bond Market a good allocation?
Replies: 7
Views: 2898

Re: Is 50% TIPS fund / 50% Total Bond Market a good allocati

gweinstn wrote:With TIPS yield so low, does this allocation make sense?

Thanks.

gweinstn.


I went 50% TIPS, 50% Intermediate Bonds.

Like many people say here, "dancing on the tip of a pin needle" or something to that effect :D
by jmFightSpam
Fri Apr 04, 2008 4:58 pm
Forum: Investing - Theory, News & General
Topic: Bill Miller loses 20% in one quarter!
Replies: 56
Views: 10210

Re: The magnetism of the mean

I'm afraid the same thing will to happen to SV some year, wiping out the historical premium. It could already be happening. According to Lipper, during the last 12 months, 739 Large-Cap Growth funds had average one year total returns of (-0.1%) . Meanwhile, 306 Small-Cap Value funds returned (-14.7...
by jmFightSpam
Wed Apr 02, 2008 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: My Final Portfolio - Whew!
Replies: 9
Views: 2021

My spouse has a 401K with 85% in Target Retirement Fund and 15% Fidelity Low Priced Stock fund (she likes the fund, so I am not arguing ). She has a profit sharing plan that is invested in S&P 500 fund. We also have low 5 figures in I-Bonds that we are just going to let sit there and forget abo...
by jmFightSpam
Wed Apr 02, 2008 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: My Final Portfolio - Whew!
Replies: 9
Views: 2021

Trying to learn here ... no disrespect intended... but why that specific bond fund? Instead of BIV wouldn't BND be a better choice for a portfolio that is light on bonds in the first place (20%) and where half of it is placed in TIPS? Wouldnt BND give you more diversification and be a better choice...
by jmFightSpam
Wed Apr 02, 2008 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: My Final Portfolio - Whew!
Replies: 9
Views: 2021

Your portfolio looks good to me, except maybe those individual stocks. You must have them if you must have them, I guess. I should have noticed that you have a low 7 figure portfolio a lot earlier. I was somehow assuming that you are starting almost from scratch, which would make commissions look v...
by jmFightSpam
Wed Apr 02, 2008 1:34 pm
Forum: Investing - Help with Personal Investments
Topic: My Final Portfolio - Whew!
Replies: 9
Views: 2021

Practically the "Four Horsemen" of tech. Are you sure you don't want to buy some ORCL? I don't like Oracle. I am not a big Larry Ellison fan. I figured since I owned these already, and I like tech and a little exposure to tech, that I might as well just keep them as if they go up/down, so...
by jmFightSpam
Wed Apr 02, 2008 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: My Final Portfolio - Whew!
Replies: 9
Views: 2021

My Final Portfolio - Whew!

Thanks to all to help make this happen. I have posted about 180+ times in about 2-3 months. Specific thanks to PiperWarrior, LiveSoft, DaveTH, Rick Ferri, Larry Swedroe, Taylor Larimore,.....ok, I won't make this an Oscar speech, but you know who you are who have helped me this whole time. This is w...
by jmFightSpam
Wed Apr 02, 2008 12:01 pm
Forum: Investing - Theory, News & General
Topic: Any risk to keeping "everything" at Vanguard?
Replies: 14
Views: 4030

ETFnerd wrote:I get this question a lot and there is really no need to worry if you are invested in mutual funds.


What about ETFs? Are they on the mutual fund spectrum or the stock trade spectrum?
by jmFightSpam
Wed Apr 02, 2008 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone here have an all ETF portfolio?
Replies: 5
Views: 1707

I have my taxable account in all ETFs. I rebalance it only once every 18 months and do not contribute on a regular basis to any of the ETFs. ETFs will not be lower cost if you are adding to them regularly or rebalancing to frequently UNLESS you do have free trades OR you have a large portfolio ($10...
by jmFightSpam
Wed Apr 02, 2008 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Does anyone here have an all ETF portfolio?
Replies: 5
Views: 1707

Does anyone here have an all ETF portfolio?

Assuming you rebalance and add new money to this portfolio, how do you best balance the ETF portfolio with the cost of commissions every time you buy/sell shares in this portfolio? For example, how often do you add new money? How often do you rebalance? I suppose if you have 100 free trades a year o...
by jmFightSpam
Wed Apr 02, 2008 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Wait until the evening (U.S. time) to buy International ETFs
Replies: 1
Views: 991

Wait until the evening (U.S. time) to buy International ETFs

Hi,

Is it true that one should wait until the evening, U.S. time, to buy an international ETF (e.g. VEU) because of bid/ask spreads discrpencies? In other words, wait until international markets open before you do this?

I would think it is hard to time this.

Thanks.
by jmFightSpam
Wed Apr 02, 2008 10:23 am
Forum: Investing - Theory, News & General
Topic: Just Trying to Understand Bonds Better
Replies: 16
Views: 3847

Re: Just Trying to Understand Bonds Better

You'd be mixing apples and oranges and hoping you got the right tasting desert, there. TIPS are unique: long duration, but with no inflation risk. Treat them as a separate asset class. TBM has mortgage backed securities, which increases its risk and correlation with the equity markets. Investment g...
by jmFightSpam
Tue Apr 01, 2008 5:33 pm
Forum: Investing - Theory, News & General
Topic: Just Trying to Understand Bonds Better
Replies: 16
Views: 3847

Good reply. Thanks.

If you owned TIPS and high-yield, does it still make sense to own TBM given its higher correlation to the equities market?
by jmFightSpam
Tue Apr 01, 2008 4:47 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Avg Return for Index Funds is Awful!
Replies: 58
Views: 12095

Tell me which funds I can buy and come up with a "Set It and Forget It" type model? You've worked 10 to 40 years for your wealth. Why would you want to set and forget your nest egg. Self discipline is the key. I think index funds have their value -but I feel you need a 30 or 40 year time ...
by jmFightSpam
Tue Apr 01, 2008 4:27 pm
Forum: Investing - Theory, News & General
Topic: 10 Year Avg Return for Index Funds is Awful!
Replies: 58
Views: 12095

I used to feel much like you. I know what funds and stocks to pick that will beat all index funds. I faired well sometimes and not so well sometimes. You want to know why I have now basically just gone with index funds. Less stress. Sincerely, you go with index funds for 10, 15, 20 years, you are no...
by jmFightSpam
Tue Apr 01, 2008 4:19 pm
Forum: Investing - Theory, News & General
Topic: Just Trying to Understand Bonds Better
Replies: 16
Views: 3847

Just Trying to Understand Bonds Better

Hi, This is more for my education. If you want a simple bond allocation in a portfolio, you could just buy the total bond market, VBFMX/BND, and be done. You should be ok with this. I think I understand that. But, if you wanted to try to eeek out some more gains while minimizing risk in the bonds ar...