Search found 136 matches

by SurferD
Wed Aug 02, 2017 6:23 am
Forum: Investing - Theory, News & General
Topic: Timber Investing: My articles on ETFs and REITs
Replies: 23
Views: 7280

Re: Timber Investing: My articles on ETFs and REITs

Hi Exstock,

Very strange just yesterday I was reviewing the performance of some ETF funds and came across this one: DWOD: ISHARES II PLC ISHRS GLBL TIMBER & FOREST ETF USD DIST which was among the best iShares ETF performers in 2017 with 15.42% YTD.

Looks like Wood is a good investment :)
SurferD
by SurferD
Mon Jul 31, 2017 12:53 am
Forum: Investing - Theory, News & General
Topic: Why are some bonds funds going up with the Stock markets?
Replies: 12
Views: 2191

Re: Why are some bonds funds going up with the Stock markets?

Excellent replies from all as always, thank you very much for all your insights and the lesson. I certainly have been looking at bonds simplistically and need to brush up more on this, but also have faith in the bond/equity split and risk associated with this. I have decided to stagger my purchase o...
by SurferD
Thu Jul 27, 2017 4:07 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Note, since you can easily create new accounts at IB, I was curious if separate accounts each carry separate SIPC insurance and they said no. It seems no matter how many accounts you have with them, you are covered only up to 500K. This might be true for the other brokers too. That's a good point T...
by SurferD
Thu Jul 27, 2017 3:33 am
Forum: Investing - Theory, News & General
Topic: Why are some bonds funds going up with the Stock markets?
Replies: 12
Views: 2191

Why are some bonds funds going up with the Stock markets?

Hi all, I need to buy more bonds for my portfolio and my bond of choice is IUAG :ISHARES II PLC ISHRS US AGG BOND UCITS ETF USD (DIST) but the strange thing is as the stock market shoots for the moon the IUAG bond price also keeps going up and up. This confuses me as I thought the price of bonds wer...
by SurferD
Thu Jul 27, 2017 2:51 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Thanks for reporting back. So the Ireland funds too are kept in the US under SIPC protection. Wow. That's nice! It would seem so as I have all Ireland domiciled ETFs You needto check yourself though as Im not sure how they decide who goes where. Here is the support message I received so you can che...
by SurferD
Thu Jul 27, 2017 2:39 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Additionally, IB has 3 billion excess capital compared to capital required by regulations. Any loss will be first absorbed by this capital cushion. IB CEO recently said his goal is to increase firm capital to 10 billion or so rather than increasing company's dividends. Obviously there is risk inher...
by SurferD
Tue Jul 25, 2017 1:09 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

This is the link to the new agreement https://gdcdyn.interactivebrokers.com/Universal/servlet/Registration.formSampleView?ad=uk_customer_agreement.html in case anyone's interested and it clearly states all customer holdings are only covered up to GBP 50K I don't agree with your reading. It seems se...
by SurferD
Tue Jul 25, 2017 1:05 am
Forum: Investing - Theory, News & General
Topic: Two-Fund Portfolio Role Call
Replies: 67
Views: 11581

Re: Two-Fund Portfolio Role Call

[quote="galeno"]We're USD based USA-NRAs (no USA tax treaty) so we use Ireland domiciled Ishares' IDTP. For USA persons that would be USA Ishares' TIP.[quote="FRT15"] Hi Galeno, I see IDTP is an accumulating FI ETF. Is there an equivalent that pay dividends that you know of? I'm still using IUAG whi...
by SurferD
Tue Jul 04, 2017 12:08 am
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 89
Views: 21979

Re: Case Study: Broker speed of dividend payments

It would be great if they actually notified of a dividend payment but they doesn't seem to and as far as I can see going by the cash balances it takes days for a dividend to be paid out after the pay date. Can anyone advise how to track this better in an IB account? I don't use IB, but at ALL my ot...
by SurferD
Tue Jul 04, 2017 12:02 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Hi Orenplen, did you find out any more about the coverage for Ireland domiciled funds? It would see that the UK only covers GBP 50K which is not much at all and this is a serious risk I think to investors if you have more than that invested compared to the protection offered by SIPC ($500K) and the ...
by SurferD
Mon Jul 03, 2017 3:32 am
Forum: Investing - Theory, News & General
Topic: Case Study: Broker speed of dividend payments
Replies: 89
Views: 21979

Re: Case Study: Broker speed of dividend payments

Interesting thread, thanks for the info. I have a question regarding Interactive Brokers (IB). Does anyone know where you can see when a dividend is paid. It would be great if they actually notified of a dividend payment but they doesn't seem to and as far as I can see going by the cash balances it ...
by SurferD
Sun May 07, 2017 12:20 am
Forum: United Arab Emirates
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 11427

Re: Live off portfolio NOW (non US)

But one thing worrying me about 2 of the bond ETFs I've decided to go with is the volume. This is the data I'm looking at: VDCP: Vanguard USD Corporate Bond UCITS ETF https://markets.ft.com/data/etfs/tearsheet/historical?s=VDCP:LSE:USD VDTY: Vanguard USD Treasury Bond UCITS ETF https://markets.ft.c...
by SurferD
Mon May 01, 2017 6:04 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 47598

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Good point to bear in mind Mudpuppy ..one should not get carried away in the exuberance :)
Thanks for the reminder..you are right anything can happen
SurferD
by SurferD
Mon May 01, 2017 6:02 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

I am moving towards placing over 60% of my retirement funds in ETF Index funds (domiciled in Ireland as I am a non-resident Alien (NRA) investor and I invest via Interactive Brokers (IB) in the US. Hello, I am in the same dilemma as you, and just wanted to point out that SIPC does NOT cover Irish-d...
by SurferD
Mon May 01, 2017 5:57 am
Forum: United Arab Emirates
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 11427

Re: Live off portfolio NOW (non US)

ebblv wrote:galeno, I've finally begun executing on this portfolio on IB and wanted to confirm that VUSD, VWRD, VDCP, VDTY are on the LSE and IDTP is on the LSEETF (at lease according to IB). Does this sound right to you? Thanks!
Sounds right to me..I also own those funds
by SurferD
Thu Feb 23, 2017 1:47 am
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST
Replies: 711
Views: 47598

Re: REGISTRATION FOR THE 2017 BOGLEHEAD CONTEST

Im sorry I missed the 2017 registration being on vacation but I saw this article today which may be of interest to see how your predictions are going. Heres an excerpt: "2017 is basically over, at least for the S&P 500 Index. The market bellwether has already reached the average year-end target of W...
by SurferD
Mon Jan 30, 2017 3:40 am
Forum: United Arab Emirates
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 11427

Re: Live off portfolio NOW (non US)

I agree with galeno, hes the sage when it comes to NRA expat investing. I bought IUAG and VWRD after similar posts to this almost two years ago now and so far they have been good and Im happy with both. IUAG does a good job of diminishing the downswings when VWRD drops sometimes, so all good so far ...
by SurferD
Sun Jan 29, 2017 5:42 am
Forum: United Arab Emirates
Topic: Live off portfolio NOW (non US)
Replies: 48
Views: 11427

Re: Live off portfolio NOW (non US)

Hi ebblv, Im also in UAE and Non Resident Alien US and I use IB, My advice is look at ETF funds domiciled in Ireland and don't use US based funds, look at VWRD for Equity and IUAG for bonds for example (also do a search on here for similar threads for NRA investors and tax etc) there have been many ...
by SurferD
Mon Oct 10, 2016 5:13 am
Forum: Non-US Investing
Topic: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP
Replies: 11
Views: 1712

Re: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP

I like the new Ireland Vanguard bond ETFs better than IUAG. But they are only few months old and only ~10M AUM. Given no estate tax on treasuries held directly, their liquidity, and so many brokers allowing free trades on them, I recommend going through the hassle of buying them directly. Thanks fo...
by SurferD
Thu Oct 06, 2016 12:19 am
Forum: Non-US Investing
Topic: Uk Expat living in Far East, Portfolio Rebalancing. (again)
Replies: 7
Views: 816

Re: Uk Expat living in Far East, Portfolio Rebalancing. (again)

Hi Dan, I cant give any specific advice about your portfolio but have some feedback from personal experience holding VWRD and a bond fund (IUAG)..so far since I bought them back in July 2015 as of today VWRD is at 3.51% return and IUAG (bond fund) is at 3.81% so don't discount the performance of bon...
by SurferD
Thu Oct 06, 2016 12:09 am
Forum: Personal Investments
Topic: If i want to invest in gold (metal), what is the best way?
Replies: 128
Views: 18252

Re: If i want to invest in gold (metal), what is the best way?

I would add from personal experience (and loss) that the saying "if you don't hold it (as physical) you don't own it"..holds very true..Gold unfortunately attracts many shady characters who get greedy and in time that greed turns to theft and loss..so beware :!:
SurferD
by SurferD
Wed Oct 05, 2016 11:34 pm
Forum: Non-US Investing
Topic: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP
Replies: 11
Views: 1712

Re: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP

I like the new Ireland Vanguard bond ETFs better than IUAG. Thanks galeno, I have bought some of both: VDTY (VANGUARD FUNDS PLC VANGUARD USD TREASURY BOND UCITS ETF) and VDCP (VANGUARD FUNDS PLC VANGUARD USD CORPORATE BOND UCITS ETF) but still hold my IUAG (ISHARES II PLC ISHARES US AGGREGATE BOND ...
by SurferD
Thu Sep 29, 2016 3:17 am
Forum: United Arab Emirates
Topic: Irish 30year old investing novice living in Dubai. Help!
Replies: 24
Views: 5214

Re: Irish 30year old investing novice living in Dubai. Help!

Hi Carmo, I just came upon your posts and wanted to add my experience, 1. I Fully support all above who said avoid DeVere and others like them..I just hang yup as soon as they tell me where they are from (Im in UAE as well so I know about the cold calls full of BS) 2. I use IB and they are great..fe...
by SurferD
Sun Aug 21, 2016 6:11 am
Forum: Non-US Investing
Topic: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP
Replies: 11
Views: 1712

Re: UK domiciled investments to retire in Japan *TwoYen, Karamatsu, BPP

Your approach is too complicated and too tilted toward Japanese equities. Global bonds are a bad idea. Stay with "investment grade" bonds denominated in USD. My suggestions: 1. 70% VWRD + 30% VDTY 2. 70% VWRD + 15% VDTY + 15% VDCP Hi Galeno, I hope you are well. I was just wondering what you though...
by SurferD
Sun Jul 31, 2016 3:53 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Oops typo... Actually, according to the last time I checked, no one has ever suffered a loss from a broker bankruptcy in the history of SIPC when the broker carried additional insurance and there have only been two cases where excess insurance clause was invoked. https://blog.wealthfront.com/false-...
by SurferD
Sun Jul 31, 2016 1:50 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Re: Investment Risk Question - Interactive Brokers

Thank you very much for the reply and info sources..I never thought about insurance coverage over and above SIPC that IB may have. This does make me feel bit better about it. I will look into the details more and Im sure everyone has the same nagging feeling as we are all in the same boat using brok...
by SurferD
Sun Jul 31, 2016 12:59 am
Forum: Investing - Theory, News & General
Topic: Investment Risk Question - Interactive Brokers
Replies: 22
Views: 4212

Investment Risk Question - Interactive Brokers

Dear Bogleheads, I have a question regarding the risks involved in placing your hard earned money in the hands of one brokerage and would like to hear any boglehead insights and viewpoints on this issue which will be much appreciated to hopefully a) help mitigate the risk (if any) and b) help allay ...
by SurferD
Wed Jun 22, 2016 3:20 am
Forum: Investing - Theory, News & General
Topic: Making an app for Bogleheads, need advice
Replies: 46
Views: 8503

Re: Making an app for Bogleheads, need advice

I think this is an awesome idea especially for newbies to compare against the best performers and mature Bogleheads, Its pretty difficult to get everything in one easy to use place I find to try and rebalance but also to compare performance,
Great idea and I look forward to the app
SurferD
by SurferD
Thu Jun 16, 2016 5:42 am
Forum: Personal Investments
Topic: Bad Time to Get Into Bonds?
Replies: 12
Views: 2772

Re: Bad Time to Get Into Bonds?

My All World FTSE fund is -2.85% today and my bond fund is +3.22% today..so what does that tell you?
Bonds are the ballast you need..especially in turbulent times
My golds up 1.44% since yesterday
SurferD
by SurferD
Mon Jun 06, 2016 2:09 am
Forum: Non-US Investing
Topic: Advantages of USA vs USA NRA Bogleheads
Replies: 4
Views: 978

Re: Advantages of USA vs USA NRA Bogleheads

Hi Galeno, I had a few questions regarding what you wrote as I hold VWRD and IUAG too and us IB in the USA and Im interested in finding out what you mean: 1. Zero dividend withholding taxes on USA domiciled equities. - I always thought it was 15% on the portion that was derived from US based compani...
by SurferD
Wed Apr 20, 2016 10:53 pm
Forum: Non-US Investing
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 2106

Re: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Hi SurferD, Should you appreciate the Morningstar Instant X-ray, you could also try to access it through for instance the Dutch/Austrian/Belgian/Finnish/etc. site and changing the language ID in your address bar. For instance for the Dutch Instant X-ray in US English: link . Best of luck. Thanks Mi...
by SurferD
Wed Apr 20, 2016 5:43 am
Forum: Non-US Investing
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 2106

Re: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Thanks for all the comments. TedSwippet you are exactly right, I have followed the guidance for NRAs as I wish to avoid the extra taxation burden and the whole US tax system (if I can) :happy although the whole US estate tax issue is still a bit of a grey area and the $ 60,000 limit is extremely low...
by SurferD
Wed Apr 20, 2016 12:00 am
Forum: Non-US Investing
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 2106

Re: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Thanks for the insights and guidance, its much appreciated. This is a great help and now I guess the challenge is once I get the answers I have to plan what to do next..stay in the same funds or buy others to close the gaps..

never ends :)

Thanks again
SurferD
by SurferD
Tue Apr 19, 2016 6:13 am
Forum: Non-US Investing
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 2106

Re: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Typically people will use proxy tickers for investments that tools like M* X-ray, Fidelity GPS, and Vanguard Portfolio Watch do not understand. So from the prospectius of each of your investments, you should know what they are and what they hold. From that, you can find a substitute ticker symbol t...
by SurferD
Tue Apr 19, 2016 4:59 am
Forum: Non-US Investing
Topic: Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)
Replies: 18
Views: 2106

Portfolio Analysis Tools - Do I have enough Diversification (NRA Investor)

Dear Bogleheads, Ive searched around to try and find a tool where I can list my funds and get a combined analysis of where I stand in terms of diversification etc but to date have been unable to find anything that can help. I see from my searches that portfolios can be analyse by various criteria: T...
by SurferD
Tue Apr 19, 2016 4:07 am
Forum: Investing - Theory, News & General
Topic: Wiki home page updated - New features!
Replies: 6
Views: 1340

Re: Wiki home page updated - New features!

Great Updates and well done to all who worked on the Wiki updates. I have taken the opportunity to share the new updated homepage link with some close relatives and turn them onto the Boglehead way of investing. Time for some eye opening if they invest the time an effort to learn from this great res...
by SurferD
Tue Mar 29, 2016 11:30 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

Please please please go to firecalc.com and run your numbers, and concentrate on changing the numbers for ER for your accounts. It shouldn't take more than an hour or so and you will see, without hyperbole, just math and stats, how much that advisor is actually going to cost you over the long haul....
by SurferD
Tue Mar 29, 2016 11:26 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

The portfolio you have is complex. There is no guarantee that complexity leads to outperformance. It will be more difficult to stay abreast of the relevant macroeconomic trends, geopolitical risks, etc., and your crystal ball may in fact be broken. Oh, and since you are also hiring active fund mana...
by SurferD
Tue Mar 29, 2016 11:24 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

First, congratulations on having the guts to invest in Oct. 2008. Second, double congratulations on staying in since then. Thanks Leif, it was actually just what happened when the current FA took over from the old one (and came with a loss to change funds which I am still trying to offset tax wise)...
by SurferD
Tue Mar 29, 2016 11:14 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

I would put him/her on probation /double secret probation, I might add :happy ). That's you don't tell him/her about it. Give him/her 3 to 6 months. In the meantime, start learning. Read widely. This forum has excellent resources for people like you. I suggest that you look at the White Coat Invest...
by SurferD
Tue Mar 29, 2016 11:10 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

SurferD, Paying 3% investment expenses is raving madness. Growing your (100% equities) portfolio from $103k to $161k (1.56X) between October 08 and now is not as good as an all-world index fund would have done. If I look at a Morningstar growth of $10k chart of Vanguard's All-World stock index fund...
by SurferD
Tue Mar 29, 2016 11:08 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

Deputy Dawg wrote:***Fire the financial advisor. ***

You can manage your own investments AND:
-save a significant amount of money,
-reduce your stress,
-simplify your financial life

Bogleheads can help. :-)
Thanks Deputy Dawg that is exactly what I intend to do now :)
by SurferD
Tue Mar 29, 2016 11:07 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

In addition to the high cost, I have a real concern that your advisor has invested you in 18 different funds. He is attempting to create the appearance that investing is a complex endeavor and you could not possibly figure out all of the complexity yourself. With all due respect to your advisor, th...
by SurferD
Tue Mar 29, 2016 11:04 pm
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Re: Please help me take the decision - Fire the “Financial Advisor”…or not?

Your concern is that you don't want to go it on your own IF you would earn radically less. Expenses of $4871 on a portfolio of $161,306 is about 3%. That's 3% every year. So the question is do you believe your advisor can outperform the indexes by 3% every year? I don't even know who your advisor i...
by SurferD
Tue Mar 29, 2016 2:06 am
Forum: Non-US Investing
Topic: Please help me take the decision - Fire the “Financial Advisor”…or not?
Replies: 18
Views: 2212

Please help me take the decision - Fire the “Financial Advisor”…or not?

Dear Bogleheads, I have posted about this before but am still ambiguous as to what to do and I am hoping some of the experienced bogleheads on here can help me with this dilemma and the uncertainty I am facing to make the correct decision: Basically the story is, I have a Financial advisor (FA) in A...
by SurferD
Thu Feb 18, 2016 12:45 am
Forum: Investing - Theory, News & General
Topic: How do you choose and compare bonds?
Replies: 7
Views: 1274

Re: How do you choose and compare bonds?

Thanks everyone for your information and insights. Much appreciated and clarifies it even more, Dratkinson you are correct I am a non-US investor so need to look at offshore domiciled funds due to tax implications hence the choice of the IUAG bond fund, and even the US treasuries fund I mentioned in...
by SurferD
Wed Feb 17, 2016 4:45 am
Forum: Investing - Theory, News & General
Topic: How do you choose and compare bonds?
Replies: 7
Views: 1274

Re: How do you choose and compare bonds?

I look forward to anyone else that can give more details on bond selection and the interesting nuances they offer,

I always assumed bonds were bonds like a bank account is a bank account but obviously there are considerations,
Regards
SurferD
by SurferD
Wed Feb 17, 2016 4:43 am
Forum: Investing - Theory, News & General
Topic: How do you choose and compare bonds?
Replies: 7
Views: 1274

Re: How do you choose and compare bonds?

Thank you very much for your insights smartinwate, I think its a balance of diversification to mellow the peaks and troughs in my portfolio which these bonds have done well so far and also some income as that is why we are all here and risking our money I guess for the longer term and to retire one ...
by SurferD
Tue Feb 16, 2016 6:07 am
Forum: Investing - Theory, News & General
Topic: How do you choose and compare bonds?
Replies: 7
Views: 1274

How do you choose and compare bonds?

Hi All, I was looking into purchasing more bonds as part of the ongoing building of my portfolio and came across an iShares bond which looks different to the one I have in my portfolio now. The current one I have is the iShares US Aggregate Bond UCITS ETF (IUAG) domiciled in Ireland : https://www.is...
by SurferD
Mon Jan 04, 2016 11:03 pm
Forum: Investing - Theory, News & General
Topic: Interactive Brokers Website down?
Replies: 6
Views: 678

Re: Interactive Brokers Website down?

whaleknives wrote:
SurferD wrote:I'll keep checking it, Cheers, SurferD
You can try this useful service: http://downforeveryoneorjustme.com/.
Thanks whaleknives..I think work has blocked the site it seems :( no more work time ETF purchases for me in 2016 :shock: