Search found 41 matches

by nathank
Wed May 21, 2008 10:35 pm
Forum: Investing - Theory, News & General
Topic: TIPS at -.91!!!
Replies: 13
Views: 3689

Certainly does seem bizarre! Get home from work and see that big red number sitting there.
by nathank
Wed May 21, 2008 7:44 pm
Forum: Investing - Theory, News & General
Topic: TIPS at -.91!!!
Replies: 13
Views: 3689

TIPS at -.91!!!

Bloomberg lists 5 year TIPS at -0.91 as of 8pm. A drop of 1.4% in just a few hours!! I guess the market didn't like the fed notes that came out today.
by nathank
Sun May 18, 2008 3:42 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in Bonds
Replies: 16
Views: 4381

while recent years have seen a lowering of rates by the fed, if and when inflation starts up again, they will have to raise rates to control it. then your bond fund could be in the negative. This is probably the key point for the OP to consider. Basically, which is more important in a rising intere...
by nathank
Thu May 15, 2008 4:23 pm
Forum: Personal Finance (Not Investing)
Topic: Possible to be 100% free of Vanguard paper?
Replies: 4
Views: 1473

I still get those too, just got one yesterday. I guess I'll wait and see if they go away. I've had their paperless option since they began waiving fees if you went paperless. I don't remember how long ago that was, but it seems like it was longer than 6 months.
by nathank
Tue May 13, 2008 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: post-mortem instructions for spouse
Replies: 9
Views: 2191

There are two issues here: 1. How to be sure those surviving actually GET your instructions and passwords, etc. 2. Being sure your survivors are capable of implementing those instructions. In my case the first one has instructions for who they are to hire to assure #2, because as you point out, my ...
by nathank
Tue May 13, 2008 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: post-mortem instructions for spouse
Replies: 9
Views: 2191

Simplicity

After the prior thread on this topic, my solution was to have much more simplicity. Assuming my spouse did understand my instructions and could access my accounts, etc how likely would she be to maintain what I had set up. If it's too complex or confusing I doubt she would carry whatever I had set u...
by nathank
Sun May 11, 2008 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusive online banking and getting cash
Replies: 19
Views: 4491

Thanks for the various suggestions. I contacted my bank and they will only raise my ATM/cash advance limit to a paltry $500, so that won't cut it. I was leaning towards the give a friend a check idea, until jcm55 pointed out these other situations I hadn't even considered. As much as I don't want to...
by nathank
Sat May 10, 2008 11:04 pm
Forum: Personal Finance (Not Investing)
Topic: Exclusive online banking and getting cash
Replies: 19
Views: 4491

Exclusive online banking and getting cash

For those of you out there with only online savings/checking accounts, how do you make large cash withdrawals if you ever had a need for more than the ATM will provide? I am all online and recently had the need for more cash than my ATM/debit limit would provide, even over a couple of days. Do you j...
by nathank
Fri May 09, 2008 8:14 pm
Forum: Personal Finance (Not Investing)
Topic: What do you use to clean your hard drive?
Replies: 25
Views: 6548

Try SCRUB. It was developed by Lawrence Livermore National Laboratory and attains government level cleaning

http://sourceforge.net/projects/diskscrub
by nathank
Wed May 07, 2008 1:31 pm
Forum: Personal Finance (Not Investing)
Topic: Umbrella insurance
Replies: 66
Views: 20555

It depends on a lot of things. 1 million from USAA is $19 a month in california.
by nathank
Tue May 06, 2008 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: Help me overcome my fear of investing!!
Replies: 24
Views: 5443

What really got me over my fears of investing was INFLATION! Leaving all my money in a money market account was actually more risky than investing it in something like the stock market. Why? Because with every passing day, that money in the money market slowly loses value. So you are not really main...
by nathank
Tue May 06, 2008 4:12 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

Yeah, they have another fidelity fund at 1.8 but it has been perfoming well above the SP500 for the last few years and appears to be relatively OK otherwise. Yeah, I don't know what's up with holding 2 such similar funds. The third he put them in is: Fidelity Advisor New Insights C FNICX Which is ba...
by nathank
Tue May 06, 2008 4:00 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

They are also all underperforming the SP500 for the last 10 years and are only large cap funds. The C shares haven't even been around for 10 years. If they had, however, they still would have beaten the S&P 500 even after the higher expenses. I might be reading it wrong. It does look like it only g...
by nathank
Tue May 06, 2008 3:55 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

Both of the funds appear to be quite poor according to M* reports. They appear to be underperforming in most measures.

American Funds Washington Mutual C WSHCX
American Funds American Mutual C AMFCX


Thanks so much for your help.
by nathank
Tue May 06, 2008 3:38 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

Thanks! I have always stuck with VG and such (due to low fees), so making my way through all of those fee charts and share classes is a little overwhelming at short notice. I can't see any reason for them to stick with these funds then, especially given the 12-b fees (among others) and their general...
by nathank
Tue May 06, 2008 3:08 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

They are class C
by nathank
Tue May 06, 2008 2:51 pm
Forum: Investing - Theory, News & General
Topic: American Funds
Replies: 14
Views: 2859

American Funds

I'm looking for some advice for my parents who have asked me to take a look at their retirement portfolio. Unfortunately their "advisor" has stuck them in a couple of American Funds with 1.5 and 1.8 expense ratios after taking a 2% commision. These funds also have deffered sales fees of 1%. They are...
by nathank
Tue May 06, 2008 11:49 am
Forum: Personal Finance (Not Investing)
Topic: Going Paperless and Computer Security
Replies: 18
Views: 3882

Wow, that's a tremendous amount to think about! Thanks! So many options. I was very interested in the discussion about heirs, etc being able to get to this info. After a recent close call this has been on my mind. Considering my level of expertise versus anyone else in my family, I would guess all w...
by nathank
Mon May 05, 2008 10:17 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless and Computer Security
Replies: 18
Views: 3882

Thanks for all the great responses. I guess I'll give truecrypt a try. I like the IRON KEY deal, sounds cool but perhaps a little over the top for me.
by nathank
Mon May 05, 2008 9:43 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless and Computer Security
Replies: 18
Views: 3882

Can I just make a copy of the truecrypt volume using something like rsync? Or does truecrypt have some kind of complicated backup process? Do you have to backup the ENTIRE volume to maintain the encryption at the new backed up location? Can you get into a truecrypt volume with SSH? Sorry for the det...
by nathank
Mon May 05, 2008 9:30 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless and Computer Security
Replies: 18
Views: 3882

That's all I had until recently too and I did the same thing, a one file encryption and it worked great. Then I had my turobtax files with all my personal info and now I'm starting to include PDF's of financial statements. I can't imagine what people with a decade of financial PDF's must be doing. H...
by nathank
Mon May 05, 2008 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: Going Paperless and Computer Security
Replies: 18
Views: 3882

Going Paperless and Computer Security

For you tech-savy bogleheads out there, how do you secure your data? I use a usb drive to move my data between work, home, and other locations so I need a portable security solution. I also go between windows,linux, and mac systems. I've read through the "paperless" threads and see lots of people wi...
by nathank
Mon May 05, 2008 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: Which Online Bank
Replies: 37
Views: 8776

The poll omits an option for those of us who still prefer a bricks and mortar institution. Well, the question was about *online* banks. Presumably those who prefer B&M wouldn't vote. No one has yet to answer my question of how you define an online bank. What can you do at your online bank that I ca...
by nathank
Mon May 05, 2008 1:46 pm
Forum: Personal Finance (Not Investing)
Topic: Which Online Bank
Replies: 37
Views: 8776

Bank of Internet:

3.05% on Checking with free bill pay

3.4% on MMA

No account fees and they reimburse ATM fees at any ATM


Been using them for over 3 years with no problems.
by nathank
Sun May 04, 2008 6:36 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Annualcreditreport.com
Replies: 8
Views: 4006

Thanks for the replies. It seemed wierd so I wanted to check. I will try out those solutions.

Thanks
by nathank
Sun May 04, 2008 8:04 am
Forum: Personal Finance (Not Investing)
Topic: Credit Freeze and Annualcreditreport.com
Replies: 8
Views: 4006

Credit Freeze and Annualcreditreport.com

After getting a credit freeze (in California) I can no longer access my free credit report at annualcreditreport.com. I guess this makes sense because it keeps other people from viewing it, but how am I supposed to review my credit report for errors, etc. if even I am locked out of it? Thanks, NathanK
by nathank
Fri May 02, 2008 4:00 pm
Forum: Investing - Theory, News & General
Topic: TIPS Funds and Principal Changes
Replies: 8
Views: 1998

Thanks, that makes sense. It just seems weird considering how actual TIPS work.
by nathank
Fri May 02, 2008 3:48 pm
Forum: Investing - Theory, News & General
Topic: TIPS Funds and Principal Changes
Replies: 8
Views: 1998

Do they take money if the principal is ever readjusted downwards due to deflation at some point in time?
by nathank
Fri May 02, 2008 3:33 pm
Forum: Investing - Theory, News & General
Topic: TIPS Funds and Principal Changes
Replies: 8
Views: 1998

So unlike a normal bond fund that sits at about the same NAV price forever (obviously other than typical price fluctuations), a TIPS fund NAV (if inflation continues for many years) would continually go up over time (again other than typical price fluctuations)? In otherwords, ongoing, long term inf...
by nathank
Fri May 02, 2008 2:37 pm
Forum: Investing - Theory, News & General
Topic: TIPS Funds and Principal Changes
Replies: 8
Views: 1998

TIPS Funds and Principal Changes

This seems simple, but I can't find an answer out there. When the principal is adjusted in the underlying tips bonds of a tips fund, what happens with the fund? Is the NAV increased/decreased by that amount? Do you get a payment (or reduction) of somekind when a bond matures? It just seems wierd. Th...
by nathank
Thu May 01, 2008 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Fixed Rate is 0%!
Replies: 48
Views: 10636

Really bad deal in the short term at this point. Looks like you have to hold them longer to get ANY value from them. But even if you hold for the longterm, you still get negative real returns, since you have to pay taxes eventually. I guess I was thinking of comparing them to other fixed investent ...
by nathank
Thu May 01, 2008 2:29 pm
Forum: Investing - Help with Personal Investments
Topic: I Bond Fixed Rate is 0%!
Replies: 48
Views: 10636

I think because you are taking interest rate risk on with an i bond. You cannot touch it within 1 year and within 5 years, you pay back 3 months interest. Given that you cannot sell it on the secondary market so you have no capability at all to sell at a gain or to liquidate immediately if you need...
by nathank
Sun Apr 27, 2008 6:43 pm
Forum: Investing - Theory, News & General
Topic: Why I loathe the Total Stock Market Index, VTSMX
Replies: 207
Views: 50846

Any reason we can't email msci and ask their opinion? Might save us from more ongoing speculation.
by nathank
Sat Apr 26, 2008 1:26 pm
Forum: Investing - Theory, News & General
Topic: Why I loathe the Total Stock Market Index, VTSMX
Replies: 207
Views: 50846

Why not just rebalance into bonds to escape "the bubbles"? I imagine you can't rebalance ALL the bubble away if it is only one sector of the entire fund, but perhaps it's enough to make a significant difference? If most of the funds growth is from that bubble, then whatever money you move into bonds...
by nathank
Sat Apr 26, 2008 8:30 am
Forum: Investing - Theory, News & General
Topic: Why I loathe the Total Stock Market Index, VTSMX
Replies: 207
Views: 50846

Maybe a few of us could just pool our money and buy 50-100 shares of every stock out there. That way we can rebalance every single stock relative to every other stock to our hearts content. No more bubbles and no more losses from being unable to balance out of any possible rise in a given stock. :)
by nathank
Tue Apr 22, 2008 11:42 pm
Forum: Investing - Theory, News & General
Topic: VG Brokerage, MMF, Treasuries, and Retirement Accounts
Replies: 2
Views: 1095

Wow, that looks a lot better. I wish it was spelled out that nicely on the vanguard site. The 403b has a $15 fee for each different fund so I was tacking that on. By the way, your blog about bonds vs bond funds really swayed me towards the individual bonds!

Thanks,
Nathan
by nathank
Tue Apr 22, 2008 10:26 pm
Forum: Investing - Theory, News & General
Topic: VG Brokerage, MMF, Treasuries, and Retirement Accounts
Replies: 2
Views: 1095

VG Brokerage, MMF, Treasuries, and Retirement Accounts

I'm trying to decide whether to invest in individual bonds or whether to just go with a bond fund. It would be nice to choose my own bonds and to save on expense ratios by buying them individually. However, it would appear that these investments will get killed in several ways, at least in vanguard ...
by nathank
Sat Apr 19, 2008 9:38 am
Forum: Investing - Theory, News & General
Topic: Simba's backtesting spreadsheet [a Bogleheads community project]
Replies: 1115
Views: 620319

This thing is AMAZING! Thanks
by nathank
Fri Apr 18, 2008 10:17 pm
Forum: Investing - Theory, News & General
Topic: Treasuries, State Taxes, and Retirement Account Withdrawls
Replies: 2
Views: 927

Thanks, that makes sense. I looked everywhere to find an answer and appreciate the clarification.
by nathank
Fri Apr 18, 2008 9:31 pm
Forum: Investing - Theory, News & General
Topic: Treasuries, State Taxes, and Retirement Account Withdrawls
Replies: 2
Views: 927

Treasuries, State Taxes, and Retirement Account Withdrawls

First off, this place is GREAT! I am amazed at the amount of useful feedback and information provided on the forum. Thanks! I was wondering what happens to the tax advantages of treasuries if they are in a deferred retirement account (ie 401k). During withdrawals is the interest taxed at your normal...