Here's a statement of the obvious: The opinions expressed here are those of the participants, not those of the Mutual Fund Observer. We cannot vouch for the accuracy or appropriateness of any of it, though we do encourage civility and good humor.
The one month return for the listed bond sector is, with the bold indicating recent price appreciation:
LQD, investment grade corp. bonds (3/4 digit tickers no longer highlight here)
--- YTD = +2.3%, 1 month = +2.8%
Average active mutual fund in…
@johnN
You are on a mailing list associated with something from somewhere, eh? I will presume you may receive other offers, in the mail, too.
In the way back days (this example from 1981) when paper mailings and everything associated was an enve…
Morn'in @VintageFreak
From a post or two I linked over the years, from Nov. 2009, per Mr. Lloyd Blankfein.
http://www.businessinsider.com/lloyd-blankfein-says-he-is-doing-gods-work-2009-11
Chip, chip, chip.....
U.S. regulator removes top bank examiner from Wells Fargo
http://www.cnbc.com/2017/04/07/us-regulator-removes-top-examiner-for-wells-fargo-sources.html
Hi @msf
Well, poo; yes. I don't know why Stockchart didn't chart back to inception date.
Thank you for the notation regarding inception date, as I didn't check while at M*.
Now I do need to hit the hay.
I don't have any money with this horse and will not; but was curious. I checked with my favorite site for total return, and the graphic is at the below link.
I also checked performance at M*, with their closest return indicator at 5 years and the to…
Meaning that your link was for a different person. Yes, my written language descriptor wasn't well done. You linked article included: "pay $5.4 million to a former bank manager who was dismissed from his position". Tis why I stated: "Your linked sto…
Hi @Old_Joe
Your linked story is to a "him", and this link regards a lady manager who was terminated for reporting fraudulent account practices in 2011.
There will be those customers who may remain locked into this bank, as it may be their only fin…
Hi @BenWP
Thank you for the Kiplinger link. I see the "add to cart" for the various other documents; and the 16 add ons ($2.99 each), plus the base package cost is $67.79. Very inexpensive considering the possible turmoil during an emotional period …
Morn'in @msf
I did not write, but the Roth conversion crossed my mind, too; as a consideration for rotating monies, paying the conversion tax now and not adding more into taxable investments.
Thank you.
Catch
Morn'in @Old_Skeet
Knowing, from your previous writes, that you dig into details; I find that your method of reducing the current and eventual taxation of tax sheltered accounts to be the opposite of what our process would be/is at this house.
I wil…
I am boycotting posts that have greetings and/or other internal wording directed towards the connotation, "Guys". Among the females I have social contact with; ranging from kids to 91 years old, and in particular those in the teen years, I totally a…
Lincoln Financial/Insurance just about bought the farm along with its policyholders during the market melt. I recall that the Newton Savings and Loan that was purchased allowed this company to apply for TARP money 1 or 2 days before that window clos…
@hawkmountain
I've exhausted my linkages, to the best of my knowledge, as of today. :)
Here is an interesting notation from Fidelity, from the below linked article:
"If your child is not filing a tax form that covers his or her earned income, cons…
Hi @davidmoran
My bad............too long a day for my brain on Sunday.
I misread your " I sure would not file for either" as to I wouldn't "file(as in open)" a Roth for a minor.
I apologize.
Regards,
Catch
Background reminder for the APR-OCT 2011, -19.4% twitch. S&P for the first time, in April, 2011; indicated a possible AAA credit rating warning for the U.S.; and the Fed. budget event (see link below). Also, keep in mind that much of Europe and …
Hi @davidmoran
You noted: "All the boilerplate you cite is ass-covering, of course."
I'll take the "you" as to me.
The boilerplate I will presume is the legal cite from the vendors offering minor Roth IRA's. If so, yes; you are indeed correct. The …
@hawkmountain
You noted: "VUG which has some cool things in it a kid might recognize" YES!!!
Have had this same discussion with a "teen" (yes, we know they think they know everything they need know......just ask them, eh?) and printed the first 90…
Hi @hawkmountain
You noted that minor accounts have been opened, but have they been funded yet? I ask, as to avoid all of the theoretical tax "stuff"; to fund the accounts at $399. I note further down this page about record keeping to maintain wit…
@MJG
You noted:"It is not surprising that our educational years have increased thus leading to more college level degrees. More families can now afford this costly and time demanding expenditure."
>>>I might be low on coffee intake this mo…
Hi @hank @rono @PopTart
Michigan has problems for sure, not unlike many other states. I surely don't intend to paint Michigan as some sort of turd pile of a state. There remain many wonderful aspects and tourism draws a lot of money into the st…
Hi @briboe69
Ah, Leelanau. Yes. Stayed in Traverse City last summer for 10 days and journeyed the highway M-22 route that we have visited numerous times over the years. From TC and going north along the lake shore all the way to Harbor Springs....m…
@Crash
You and I, or anyone here could build a fund named "Eight Ball Total Return Fund" (BALLX).
---25%, U.S. equity
---25%, International, ex-US, equity
---25% investment grade bonds
---25% high yield bonds
Our motto: We'll do our best to provid…
Hi @hank
Talk about timing, eh? I'm wondering who is going to buy all of the vacation properties in Michigan when the majority of we "older" folks are, well; gone to some other place.
With the high pay/benefit union based jobs of yesterday that ove…
Hi@BobC
Fully agree with the POA side and I have pushed reminders to family/friends over the years regarding the thoughts and wording in a will, VERSUS an "override" affect of a beneficiary set into any monetary account(s). And to the more simple si…
Hi @VintageFreak
I posted this link in this thread a month ago. Take a read, eh?
https://consumerist.com/2017/02/17/wells-fargos-new-account-openings-down-30-after-fake-account-fiasco/
We've used stand alone calculators, a downloaded or loaded from a CD program, within our home pc's over the years.
Are the type of calculator(s) noted here or online Monte Carlo simulators/calculators retaining personal data at a web site; as one …
The yield curve thingy today versus prior trends = Yes, this time is different; still.
However, market place yields on bonds may provide clues as needed if there is an accompanying twitch in the U.S. broad equity value.
The Pueblo Incident
This was likely a bit more tense at the time; than was known to the public. For the younger readers here; please remember that the global communications used by the public today was not in place at the time of this event.
http…
Hi @Ted
Thank you for the suggestion.
From what I have gathered/read, minor Roth IRA's for those, say 12-16 years of age are funded without benefit of a taxable wage via an issued W-2. This makes sense to me, as the majority of minors younger than …
Hi @bee
Crap............I keep forgetting about Slott's site. One may read any of the forums without sign up.
The below connects with what I first wrote about the 5498 form and possible complications of the IRS seeing a Roth IRA contribution, but n…
Hi @Derf
You noted: "Under my plan if medicare does pay , my plan doesn't pay . I found this hard to believe , but that's the way it works."
>>>I will presume "my plan" means a supplemental healthcare insurance plan to pay what is not cover…
Howdy @Old_Joe
With the plan you note; do you still pay a monthly premium (usually deducted from Social Security) that may be paid to Medicare or United Health? Does my question make sense? Just curious with all the variables.
Catch
@LLJB
This is the common description one finds regarding Roth IRA's (in italics) for minors.
Children of any age can contribute to an IRA as long as they have earned income from a job, be it babysitting, yard work or walking neighborhood dogs. Fo…
Hi @Bobpa
Yikes on the front load of 4.75% and the 1.02 E.R. for a bond fund.
It ranks well in the non-traditional bond area, but if I were looking for long term performance I would have to remain directed to PONDX and their management team.
PO…
Hi @msf
Can't recall if I posted the graphic of largest employers by state or whomever posted here within the past few months.
Agree with your list.........
Many of the healthcare positions at major hospitals in Michigan have a very decent pay scal…
Hi @Anna
I recall within the past month a verbal by someone on the tube that healthcare was 20% of GDP.
With healthcare being noted as 17.8% of GDP from CMS, I will only add that I don't know how far the arms of data extend; but presume direct invo…
