Search found 501 matches

by Ducks
Tue Nov 25, 2008 5:59 pm
Forum: Personal Consumer Issues
Topic: My favorite bagpipe tune is ...
Replies: 24
Views: 4681

ruralavalon wrote:
retiredjg wrote:"Scotland the Brave".
Ditto.
Me three. Gives me shivers.
by Ducks
Tue Nov 25, 2008 5:51 pm
Forum: Investing - Theory, News & General
Topic: Book for 401(k) fiduciaries
Replies: 4
Views: 1235

Josh Itzoe recently posted a really nice response in my recent thread about John Hancock 401(k)'s.

http://www.bogleheads.org/forum/viewtopic.php?p=333256

I haven't read his book (I didn't know he wrote one!), but now I'm interested in giving it a read. :)
by Ducks
Tue Nov 25, 2008 3:07 pm
Forum: Investing - Theory, News & General
Topic: What is your current Age and Asset Allocation?
Replies: 106
Views: 19478

scpo, I'm sorry to hear of your wife's passing.
by Ducks
Tue Nov 25, 2008 12:24 pm
Forum: Investing - Theory, News & General
Topic: This Week on the Wiki: (November 24, 2008)
Replies: 5
Views: 1475

Thanks Barry & wikiworkers! These are great changes.

I'd love a project. :)
by Ducks
Sun Nov 23, 2008 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Cost to develop land?
Replies: 10
Views: 11207

Tony - a wise man once told me (actually he told me many more times than once but it sounds better to say once), "Buy in a buyer's market and build in a seller's market." I'm pretty sure we're in the former at the moment. ;)
by Ducks
Sun Nov 23, 2008 10:34 pm
Forum: Investing - Theory, News & General
Topic: What is your current Age and Asset Allocation?
Replies: 106
Views: 19478

We are 35 & 44. Target AA in parenthesis: US Stocks: 38% (60) International 1% (15) Bonds: 16% (12.5) TIPS: 11% (12.5) Cash: 34% (0) The cash was unintentional good timing; I got rid of some loaded MFs last May, with the intention of buying TSM & Total International. Then things started getting shak...
by Ducks
Sun Nov 23, 2008 9:24 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals
Replies: 29
Views: 6101

I don't understand those minis. A 16GB hard drive? And no DVD drive? 1GB of memory? What do you use 'em for?
by Ducks
Sun Nov 23, 2008 1:57 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals
Replies: 29
Views: 6101

Who wants to watch movie on a laptop ? :) It's great for traveling. I always have my laptop and a few movies when I take Amtrak, and even occasionally on my commuter train to work. This. We're planning a trip this spring, and would love to take a laptop with us to watch movies (read: cartoons to en...
by Ducks
Sun Nov 23, 2008 4:31 am
Forum: Investing - Theory, News & General
Topic: The Mother of all GLOOM and DOOM posts
Replies: 413
Views: 79248

Pardon me if this has already been posted, but I thought it was worth a link just in case.

New Anxiety Medications for Coping With Economic Gloom.
by Ducks
Sun Nov 23, 2008 2:22 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals
Replies: 29
Views: 6101

You are such a killjoy. :P
by Ducks
Sun Nov 23, 2008 1:57 am
Forum: Personal Consumer Issues
Topic: Black Friday Deals
Replies: 29
Views: 6101

Haha Mel - I am actually considering deferring all Christmas gifts into a "Washer/Dryer Savings Account." Perhaps by Mother's Day there will be enough in the fund to purchase a set that has been deeply discounted due to our continued slow economy. ;) (it would have to be buy-the-washer-get-the-dryer...
by Ducks
Sat Nov 22, 2008 9:25 pm
Forum: Personal Consumer Issues
Topic: recommendations for a shredder?
Replies: 22
Views: 4128

Warning: shredders can be extremely dangerous if any fingers, etc. get in. I read a terrible story about a little kid who got a hand caught in one and lost his fingers. His mom said he keeps asking "Mommy, when will my fingers grow back?" We have a toddler who likes to push buttons. One of the thin...
by Ducks
Sat Nov 22, 2008 9:24 pm
Forum: Personal Consumer Issues
Topic: recommendations for a shredder?
Replies: 22
Views: 4128

oops.
by Ducks
Sat Nov 22, 2008 9:18 pm
Forum: Personal Consumer Issues
Topic: Black Friday Deals
Replies: 29
Views: 6101

I'm in the market for a laptop. But it has to be $300 or so for me to bite. All I do is Quicken and surf the web. Don't need anything too fancy for that... but I'd like something with a decent battery life so we can watch movies on it. I'm also in the market for a washer/dryer but the Electrolux pai...
by Ducks
Sat Nov 22, 2008 12:53 am
Forum: Personal Consumer Issues
Topic: recommendations for a shredder?
Replies: 22
Views: 4128

by Ducks
Fri Nov 21, 2008 11:57 pm
Forum: Personal Consumer Issues
Topic: No Hot Water! What to Do?
Replies: 76
Views: 12739

We frequently ran out of power when I was growing up in Alaska. My dad would fire up a generator which had enough power to run the stove and a handful of lights. You must've been my neighbor. :P We had well water, and the pump was electric. So when we ran out of power, we also had no water... for b...
by Ducks
Thu Nov 20, 2008 11:50 pm
Forum: Personal Investments
Topic: Is there more money in your IRA today than you had in 2000?
Replies: 8
Views: 1970

I didn't have an IRA in 2000, so mine is way up. ;)
by Ducks
Thu Nov 20, 2008 7:54 pm
Forum: Investing - Theory, News & General
Topic: Funds with "belly-up" firms in the title?
Replies: 3
Views: 838

Awesome. Thank you both for the quick replies.
by Ducks
Thu Nov 20, 2008 7:23 pm
Forum: Investing - Theory, News & General
Topic: Funds with "belly-up" firms in the title?
Replies: 3
Views: 838

Funds with "belly-up" firms in the title?

I'm curious what happens to funds like these: IEF iShares Lehman 7–10 Year Treasury Intermediate Term Bond 0.15% AGG iShares Lehman Aggregate Bond Long Government Bond 0.20% TIP iShares Lehman TIPS Bond Intermediate Government 0.20% SHY iShares Lehman 1–3 Year Treasury Short Government Bond 0.15% af...
by Ducks
Thu Nov 20, 2008 6:46 pm
Forum: Personal Consumer Issues
Topic: Computer Keyboard
Replies: 19
Views: 4057

I have a very old MS keyboard. I like it because it is USB, and has USB plugs on the back of the keyboard, so I can plug in my camera, etc. and keep the wires curled up behind the keyboard when not in use. The only problem is the keyboard is USB 1.0 ... wish it was 2.0 so it would also charge my cel...
by Ducks
Thu Nov 20, 2008 6:14 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

Haha - it is clear as mud. :lol:

I wanted to thank everybody so much for their posts in this thread. It has been unbelievably helpful to me. I have further questions but they may be better asked in Dan Kohn's Employee Fiduciary thread.
by Ducks
Thu Nov 20, 2008 2:24 am
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

The sub-account is an insurance construct. The money in the sub-account is set aside, separate from the insurance company's assets, invested in the JH wrapper fund, which in turn invests in the underlying mutual fund, after extracting a fee for JH. OK. So I'm going to say this back to you to make s...
by Ducks
Thu Nov 20, 2008 2:12 am
Forum: Personal Finance (Not Investing)
Topic: Decoding my 401(k) financial statement
Replies: 12
Views: 2220

Eagle784 wrote:What I don't understand is how this isn't a line item on your statement. Are your investments just magically 40bps short without any explanation as to why that's the case?
I'm pretty sure that's what happens to most people's accounts. It's frightening, isn't it. :(
by Ducks
Wed Nov 19, 2008 11:42 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

It's important to also note that the plan is a group annuity contract and the investment options are not necessarily registered mutual funds, but rather sub-accounts. Even though the sub-account may have the same name as its mutual fund brethren (e.g. Value) it's a different investment vehicle. Als...
by Ducks
Wed Nov 19, 2008 9:10 pm
Forum: Investing - Theory, News & General
Topic: The Mother of all GLOOM and DOOM posts
Replies: 413
Views: 79248

I vote for moose (burger makes great tacos and spaghetti) and bison. Yum yum.
by Ducks
Wed Nov 19, 2008 8:23 pm
Forum: Investing - Theory, News & General
Topic: Indexing Better than Active Management - Backup?
Replies: 0
Views: 455

Indexing Better than Active Management - Backup?

I'm looking for some data to back up the claim that indexing is the way to go. Preferably in easy-to-read articles. Extra credit for bulleted or numbered lists. ;) I want some of the "Monkeys can do better than stock pickers!" headlines with actual studies and such to back them up. Bogleheads must k...
by Ducks
Wed Nov 19, 2008 8:03 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

I hope you don't think I forgot to thank you all for your input. It has been very helpful and eye-opening. I've been bouncing this around my brain and wondering how to frame more questions. I did find out that we pay a contract charge of 0.55% on top of the John Hancock ERs for the "overall John Han...
by Ducks
Wed Nov 19, 2008 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Decoding my 401(k) financial statement
Replies: 12
Views: 2220

Nispirius, I don't have any answers for you, but I will be watching closely for those who do.

My guess is that you should have been adding .4% onto the ERs. Found out yesterday that I should be adding .55% onto ours. :cry:
by Ducks
Wed Nov 19, 2008 7:07 pm
Forum: Investing - Theory, News & General
Topic: Change of 401K providers - what questions to ask?
Replies: 4
Views: 1402

These are some great questions. I'd like to ask them to my own HR. :)
by Ducks
Wed Nov 19, 2008 6:21 pm
Forum: Investing - Theory, News & General
Topic: The Mother of all GLOOM and DOOM posts
Replies: 413
Views: 79248

ROFL - Thank you, everyone, for your senses of humor during this time of GLOOM and DOOM.
by Ducks
Mon Nov 17, 2008 8:27 pm
Forum: Personal Investments
Topic: Where to keep your "Emergency Funds"?
Replies: 45
Views: 9295

We also do a tiered approach. - We have a small bit of cash in the house in case of earthquake-type emergency. - We keep enough $ in regular checking/savings for monthly expenses. - We also have a money market savings account at our credit union used for larger expenses and to fund our investments, ...
by Ducks
Mon Nov 17, 2008 6:56 pm
Forum: Personal Consumer Issues
Topic: Alternatives to Vinyl Siding?
Replies: 12
Views: 2848

We did James Hardie cementitious lap board siding and have been very pleased. We also did Marvin wood windows but we were matching the old 1925 windows. With a 1950's house I wouldn't think you'd need to go that route. What you will pay depends greatly on where you live. Get bids from 3-5 contractor...
by Ducks
Mon Nov 17, 2008 4:31 pm
Forum: Investing - Theory, News & General
Topic: Your Perfect 401(k)
Replies: 15
Views: 4220

ziggy29 wrote:Mine includes a time machine to let me go back a year and move everything to cash. :lol:
Haha - wouldn't we all love that. :P
by Ducks
Mon Nov 17, 2008 11:16 am
Forum: Personal Consumer Issues
Topic: Best watch for around $5,000?
Replies: 1138
Views: 290752

Petro - a couple watch makers that have not been mentioned:

http://www.mauricelacroix.com/en/Home.html
http://www.hysek.com/en/nc/collections.html

I'm in the "buy an heirloom when you can afford it" camp.
by Ducks
Mon Nov 17, 2008 3:02 am
Forum: Investing - Theory, News & General
Topic: Your Perfect 401(k)
Replies: 15
Views: 4220

It's not a problem to save more than 20,500 per year. I just don't think all savings should be tax-advantaged. This is all conjecture, of course, as I don't know the ins and outs of the federal budget... but my guess is that if people deferred as much of their income as they could, the government wo...
by Ducks
Sun Nov 16, 2008 11:43 pm
Forum: Investing - Theory, News & General
Topic: Ghilarducci proposal for Guaranteed Retirement Accounts
Replies: 29
Views: 5492

I googled "the ducks plan" to find the only hit was this post. I wanted to see who this duck politician was. Then I realized it was you :P LOL yeah - it's me. Thanks for the votes, bottlecap & eurowizard. ;) I've been thinking about this for a while. "If I were to do it, how would it be done?" Firs...
by Ducks
Sun Nov 16, 2008 11:11 pm
Forum: Personal Consumer Issues
Topic: Finance Podcasts
Replies: 11
Views: 2671

Thanks Dougroseville! Fixed. Such are the dangers of copy-n-paste for consistent formatting. ;)

Also added nitsuj's two suggestions.
by Ducks
Thu Nov 13, 2008 11:54 pm
Forum: Personal Consumer Issues
Topic: Finance Podcasts
Replies: 11
Views: 2671

I just added a Podcasts section to the Wiki. :D

http://www.bogleheads.org/wiki/index.ph ... _and_Blogs

If anybody has any more suggestions for that section, I hope they'll let me know.
by Ducks
Thu Nov 13, 2008 11:53 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 474
Views: 352503

You're welcome, Barry. I'm looking forward to doing more. If you have a project for me, I'm all ears.
by Ducks
Thu Nov 13, 2008 11:51 pm
Forum: Personal Investments
Topic: non-financials index fund?
Replies: 12
Views: 2213

jimdigriztn wrote:I'm not really sure it's possible to be an investor in broad index funds and not invest in companies that you don't like or approve of.
IMO, this is the one big drawback of index investing.
by Ducks
Thu Nov 13, 2008 11:50 pm
Forum: Investing - Theory, News & General
Topic: Ghilarducci proposal for Guaranteed Retirement Accounts
Replies: 29
Views: 5492

The federal government already has a pretty good retirement plan -- the Thrift Savings Plan . It's already offered to every current and former federal employee. Open it to the rest of us, please. Here is The Ducks Plan : 1) All wage-earners shall become eligible for the Thrift Savings Plan (TSP). 2)...
by Ducks
Thu Nov 13, 2008 6:38 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65754

They said their web team is having trouble with that link, and that if I wanted she'd send it to me by mail. I said sounds good.

So, for those of you who don't want to wait for the link to come back up, give them a call and ask for a mailed copy. 7-10 days ETA, she said.
by Ducks
Thu Nov 13, 2008 6:32 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65754

I'm on the phone w/ them now. hope to have an answer shortly.
by Ducks
Thu Nov 13, 2008 6:24 pm
Forum: Investing - Theory, News & General
Topic: Solo 401(k) Plan
Replies: 182
Views: 65754

I can't believe I am the one to break this news... :lol:

INDIVIDUAL 401(K)
Vanguard Individual 401(k)'s are now available. For more information or to
request an application, please see the below link.

https://personal.vanguard.com/us/accoun ... ontent.jsp
by Ducks
Thu Nov 13, 2008 3:15 pm
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 474
Views: 352503

You bet, Mel. I'm in. :)
by Ducks
Thu Nov 13, 2008 11:06 am
Forum: US Chapters
Topic: Suggestions for the Wiki
Replies: 474
Views: 352503

I added the list of podcasts, gleaned from this recent thread:
http://www.bogleheads.org/forum/viewtopic.php?p=314938

I am ridiculously happy that I'm able to help with this wiki. So if anybody has anything else they'd like me to wikify, I'd be glad to.
by Ducks
Thu Nov 13, 2008 10:23 am
Forum: Investing - Theory, News & General
Topic: Great whiteboard explanations of the financial crisis
Replies: 3
Views: 1486

Don't forget about The Giant Pool of Money: http://www.thisamericanlife.org/Radio_Episode.aspx?episode=365 and Another Scary Show about the Economy: http://www.thislife.org/Radio_Episode.aspx?episode=365 And the Planet Money podcast - they do a great job of talking to economists very slowly so that ...
by Ducks
Wed Nov 12, 2008 6:03 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

TFB - I hope they will do just that. However, they have been with their TPA for a long time, and I think (though I don't really know the ins-and-outs) that they have a relationship with their current TPA and wouldn't want to move away them if they didn't need to. This is why I'm wondering if TPA's u...
by Ducks
Wed Nov 12, 2008 5:15 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

I'm actually working on a spreadsheet right now that compares their current offerings from John Hancock to VG, Fido, and TRP. Our current plan has an average ER of 1.39% for 75 fund offerings. The high being 1.81 for a T. Rowe Price Science & Technology fund, and the low being .87 for a PIMCO TIPSes...
by Ducks
Wed Nov 12, 2008 4:18 pm
Forum: Investing - Theory, News & General
Topic: John Hancock 401(k) & TPA question
Replies: 14
Views: 8874

John Hancock 401(k) & TPA question

My husband's company has a Third Party Administrator for their 401(k). I'm wondering... do TPA's typically only sell one product? Or I guess my question really is: Do they have a crappy TPA, or is the TPA just selling them a crappy product? (edited thread title to be more descriptive of the thread)