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Re: Typical fees for an account with Morgan Stanley ?

This is a duplicate thread. We've all done it at least once. :)

viewtopic.php?f=1&t=137749&newpost=2035078
by Boglenaut
Sun Apr 20, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 3
Views: 234

Re: Typical fees for an account with Morgan Stanley ?

Just reading those links, and the links in those links, I could not figure it out. They are so open telling you everything, but at the same time so vague. MS "may" do this or that, with no real numbers.

I would not stay invested there.
by Boglenaut
Sun Apr 20, 2014 5:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Typical fees for an account with Morgan Stanley ?
Replies: 7
Views: 381

Re: Part time work opportunity- opinions wanted

I don't make nearly what a physician makes, but if I could change my job to 80% pay for 80% work/stress, I'd take it in a minute. unfortunately, my job is all-or-none.
by Boglenaut
Sun Apr 20, 2014 4:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Part time work opportunity- opinions wanted
Replies: 5
Views: 347

Re: Vanguard IRA Insights

Many 401K plans do not have Roth options. So they are not looking at the entire picture. This is not a very useful analysis.
by Boglenaut
Thu Apr 17, 2014 10:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard IRA Insights
Replies: 7
Views: 837

Re: less you need social security, earlier you should claim

Social Security has in the past cut benefits to those already receiving benefits, so that is no guarantee.
by Boglenaut
Sun Apr 13, 2014 6:17 pm
 
Forum: Investing - Theory, News & General
Topic: less you need social security, earlier you should claim
Replies: 39
Views: 2788

Re: Bannability Index

Great, that's all I need... some other anonymous (well, maybe not in this case) entity keeping track of a secret score that'll impact my life. :wink:

http://money.cnn.com/2014/04/02/pf/cons ... index.html
by Boglenaut
Sat Apr 12, 2014 9:38 am
 
Forum: Forum Issues and Administration
Topic: Bannability Index
Replies: 10
Views: 734

Re: Online Retirement Calculators

FIRECalc is probably the best.

Most are useless.

I find the best option is to make my own spreadsheet, except I cannot capture randomness well like FIRECalc. So I use multiple sources and remember the outputs are only as good as my assumptions. That's the hard part.
by Boglenaut
Sat Apr 12, 2014 9:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Online Retirement Calculators
Replies: 17
Views: 1699

Re: Vanguard VTI and VXUS: adding more small VSS and VB/VBR

Do you think adding few % of VSS and VB / VBR would do be a good option? It's fine to tilt, but suggest you do it as part of a long term strategy, not short term tactical. In other words, set your tilt and keep it there by re-balancing. Write it down. Don't just do it on a whim or market timing. I ...
by Boglenaut
Sat Apr 12, 2014 8:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VTI and VXUS: adding more small VSS and VB/VBR
Replies: 15
Views: 1020

Re: Tax audit poll

Items 1 and 2 are not mutually exclusive, yet people responding can only select one of them. What if both are true?
by Boglenaut
Thu Apr 10, 2014 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax audit poll
Replies: 19
Views: 981

Re: Was Wondering Why Windsor/Wellesley/Wellington?

RyeWhiskey replied wonderfully "Re: Was Wondering Why Windsor/Wellesley/Wellington?"
by Boglenaut
Thu Apr 10, 2014 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3424

Re: emerging markets should they be in your portfolio

It would not let me read past the first page unless I downloaded the iPad app. I don't like that at all so left the site. How obnoxious. I won't be going back there anytime soon. :thumbsdown
by Boglenaut
Thu Apr 10, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: emerging markets should they be in your portfolio
Replies: 14
Views: 1464

Re: Was Wondering Why Windsor/Wellesley/Wellington?

Thanks, Ken.

You are right... I don't really look at performance of the funds as much as the index behavior. So that is why I never looked at them and they get screened out right away.

Do you suspect Bogleheads would hold them in lower proportion than the non-Boglehead population?
by Boglenaut
Wed Apr 09, 2014 7:40 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3424

Re: Help in Allocating Vanguard Funds

williemoe wrote:Tax Rate: Fed Marginal: 15% / Effective: 20.8%


Is this a typo? I can't think of how it could be otherwise.
by Boglenaut
Wed Apr 09, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help in Allocating Vanguard Funds
Replies: 11
Views: 866

Re: Was Wondering Why Windsor/Wellesley/Wellington?

I see part of my answer was just posted yesterday (I actually thought of my question last week, just didn't want to type it up while on my iPad): http://www.bogleheads.org/forum/viewtopic.php?f=1&t=136918&newpost=2023616 I chose Wellington because it's a very stable fund, that has produced g...
by Boglenaut
Wed Apr 09, 2014 7:19 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3424

Was Wondering Why Windsor/Wellesley/Wellington?

Excuse all the W's, but I was wondering why I hear these funds mentioned so often? I know they have been around a very long time so acquired a lot of assets over time. I also know that for active funds , they have low Expense Ratios. But when I screen for funds, they never even make the first cut. T...
by Boglenaut
Wed Apr 09, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: Was Wondering Why Windsor/Wellesley/Wellington?
Replies: 28
Views: 3424

Re: Outage on 4/5/2014?

But I had a vital question to post, and I cannot remember what it was now!
by Boglenaut
Sun Apr 06, 2014 10:06 pm
 
Forum: Forum Issues and Administration
Topic: Outage on 4/5/2014?
Replies: 14
Views: 1062

Re: After Tax 401K to Roth IRA - What are the risks?

ChiefIllini, thanks for the comment. Sydney, thanks as well. What are the risks? If the IRS rules someday this is not allowed, what would happen? I suppose they might come back and say that the assets are co-mingled and the amount you moved to a ROTH was really a blend of pre-tax and post tax money ...
by Boglenaut
Sat Apr 05, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401K to Roth IRA - What are the risks?
Replies: 4
Views: 352

Re: Are we saving too much or too litte?

Rufus608 wrote:
2. Are we saving too much or too little for retirement???


I doubt you'll regret if you are forced to leave money to the child, other loved ones, or a good cause someday. As long as you are living life, you can never save too much.
by Boglenaut
Sat Apr 05, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2850

Re: Are we saving too much or too litte?

Rufus608 wrote:

Age: Me: 40 -- the wife: 50 *Note the age difference.


For people with spouses more than 10 years younger, she may get to use a different RMD chart. I don't know the details or your birthdays, but suggest you Google it to see if she is able to do it or not.
by Boglenaut
Sat Apr 05, 2014 9:40 am
 
Forum: Investing - Help with Personal Investments
Topic: Are we saving too much or too litte?
Replies: 28
Views: 2850

After Tax 401K to Roth IRA - What are the risks?

Hi, I have read the Wiki and numerous threads on this topic, but everyone's situation is a unique so I thought I'd post it here. It's a big decision, so I want to get it right. My company allows "After-Tax" 401K contributions in addition to traditional and Roth contributions. They also all...
by Boglenaut
Sat Apr 05, 2014 9:22 am
 
Forum: Investing - Help with Personal Investments
Topic: After Tax 401K to Roth IRA - What are the risks?
Replies: 4
Views: 352

Re: Preparing for the time to "fill-up the Bucket"

What tax bracket are you in? Do you have state income taxes?
by Boglenaut
Wed Apr 02, 2014 6:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Preparing for the time to "fill-up the Bucket"
Replies: 10
Views: 1762

Re: Bogle: Tilt To Corporates For More Yield

I would like to offer one additional reason not to hold too many treasury bonds, at least in tax-advantaged accounts for people living in state income tax states, or for people living in no income tax states. From the wiki: "treasury bond interest income is exempt from state and local income ta...
by Boglenaut
Wed Apr 02, 2014 6:42 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle: Tilt To Corporates For More Yield
Replies: 60
Views: 5658

Re: [Poll] Which of These Types of Investments do you Own?

Most of the poll results so far are as expected, but some very interesting ones.

It looks like the "three-fund" funds do indeed prevail as core for Bogleheads, but there seems to be plenty of exploring or titling beyond them.
by Boglenaut
Sun Mar 30, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

Re: POLL: Do rebalance bands matter?

sunnyday wrote: proven financial advantage.


It depends on how you define "financial advantage". For improving gains, not so much. But for maintaining a constant risk exposure, absolutely. I voted yes.
by Boglenaut
Sun Mar 30, 2014 12:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Do rebalance bands matter?
Replies: 20
Views: 1263

Re: [Poll] Which of These Types of Investments do you Own?

I am not sure about the G-Fund... find the closet option, or go with "Other'. Ditto for EE bonds.

For Total World Stock fund, you could say Tot International and Total US.
by Boglenaut
Sat Mar 29, 2014 2:12 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

Re: [Poll] Which of These Types of Investments do you Own?

Also, assume Money Market, CD, bank accounts are out of scope. I should have included CD or "Cash" as an option but I don't want to throw off the poll results now.
by Boglenaut
Sat Mar 29, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

Re: [Poll] Which of These Types of Investments do you Own?

Do individually held TIPs go under TIPs fund? I'd think no -- but where? Not other! So finally I said yes and put individual tips under "tips fund" I just noticed that too. Select TIPS fund if you have individual tips. If I edit it, will it reset? Also, if you own individual muni, select ...
by Boglenaut
Fri Mar 28, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

[Poll] Which of These Types of Investments do you Own?

Which of these do you own (at least 1% of your portfolio)? If you own a Target Retirement, Balanced, or Life Cycle fund, Go-Anywhere Funds, etc, answer based on the current underlying holdings. I only get 20 options, so I hope I got the big ones. Let's not include business, intellectual property/roy...
by Boglenaut
Fri Mar 28, 2014 11:43 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] Which of These Types of Investments do you Own?
Replies: 24
Views: 2212

Re: New Housing Bubble and upcoming cycle peak

Boglenaut wrote:I never trust charts that somebody draws lines and arrows on.



(unless it is Nisiprius')
by Boglenaut
Tue Mar 25, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6367

Re: New Housing Bubble and upcoming cycle peak

I never trust charts that somebody draws lines and arrows on.
by Boglenaut
Tue Mar 25, 2014 4:30 pm
 
Forum: Investing - Theory, News & General
Topic: New Housing Bubble and upcoming cycle peak
Replies: 74
Views: 6367

Re: TIPS - VIPSX, Why no Admiral Shares?

At least for me, searches of Vanguard funds automatically have the $50K+ option unchecked. It's easy to miss the active Admiral funds that have a 50K minimum, even if you have Admiral checked. That's probably what happened to the OP. I wish it did not uncheck by default. It's poor website design, no...
by Boglenaut
Tue Mar 25, 2014 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS - VIPSX, Why no Admiral Shares?
Replies: 8
Views: 576

Re: U.S. Dollar Hedged International Index Funds

While hedging isn't fee, Vanguard has previously stated that the cost is three tenths of a basis point. This is the second time I saw this quoted out of context.. This is what your link says: To give a concrete example, typically the bid-offer spread on forward points for pounds sterling for a one-...
by Boglenaut
Sun Mar 23, 2014 1:43 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. Dollar Hedged International Index Funds
Replies: 8
Views: 386

Re: TIPS Intermediate Fund vs. International Bond Fund

I've found it intriguing to learn that the currency hedge cost of Int'l Bond Fund, at least as of June 2013, is only "less than three-tenths of a basis point. This means that for every $10,000 invested, it will cost the investor less than $0.30." The quote is from Vanguard's Christian Lox...
by Boglenaut
Sat Mar 22, 2014 6:41 pm
 
Forum: Investing - Theory, News & General
Topic: TIPS Intermediate Fund vs. International Bond Fund
Replies: 35
Views: 2774

Re: Trouble transferring outside account to Vanguard

We just moved my wife's Roth IRA from Fidelity to Vanguard. Submitted form electronically Wednesday evening, shares bought at Vanguard Monday. The key is do it electronically. You usually can if the format of the Fidelity fund is 12AB456789. The money was out of the market 1 day (of course, the mark...
by Boglenaut
Tue Mar 18, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trouble transferring outside account to Vanguard
Replies: 8
Views: 593

Re: Boglehead's view on Real Estate investing

Too much work. I worry enough about the house I live in.
by Boglenaut
Tue Mar 18, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: Boglehead's view on Real Estate investing
Replies: 31
Views: 2629

Re: Tipping should be based on time not amount

I remember going out with friends for pizza when I was about 10. I left a nickel tip (adjust for inflation, maybe 25 cents today). The busboy (man, actually) came back and returned it to me, feeling insulted.

I took it. It was my last nickel. He didn't realize just how big of a tip he really got.
by Boglenaut
Tue Mar 18, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Tipping should be based on time not amount
Replies: 33
Views: 1935

Re: LED lights currently worth it personal financewise?

Costco has 60-watt equivalent (13.5 Watt) LED bulbs available for $3.99 locally after the utility company $5 instant (not mail-in) rebate. I bought 2 more at that price, but would have no where to put the rest if I bought more. Hope the bathroom globe, 40-W equivalent, or chandelier bulbs go on sale...
by Boglenaut
Sun Mar 16, 2014 4:36 pm
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: Investing in stocks--A surprising Google report ?

I typed cheese_breath and got 72,400 hits. But the results are bogus because Google removed the underscore between cheese and breath. Then I put quotes around cheese_breath and reduced it to only 48,900 hits. Google still removed the underscore, but somehow I got less hits. I didn't examine them al...
by Boglenaut
Sun Mar 16, 2014 2:59 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4091

Re: Investing in stocks--A surprising Google report ?

I typed in my real life name and got 166,000 hits.

Proof people care more about Taylor than me! (and to add insult to injury, most of my hits were not even about me!). :oops:
by Boglenaut
Sun Mar 16, 2014 2:34 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4091

Re: Investing in stocks--A surprising Google report ?

I typed in "Taylor Larimore" and got 572,000 hits.

I typed in "Taylor Lariless" and got 10 hits.

Proof that people care more about the positive! ;)

Seriously, though, I wouldn't go by the number of hits returned.
by Boglenaut
Sun Mar 16, 2014 2:26 pm
 
Forum: Investing - Theory, News & General
Topic: Investing in stocks--A surprising Google report ?
Replies: 37
Views: 4091

Re: Portfolio Checkup Please, And Can I Retire?

Assuming I retire later this year and sell the house sometime next year, my annual retirement expenses are estimated to be in the $50k range. My calculations say I can easily retire and even spend a lot more annually if I want to. Feedback? I would retire if I were you. You made it and then some. :...
by Boglenaut
Sun Mar 16, 2014 11:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio Checkup Please, And Can I Retire?
Replies: 7
Views: 1625

Re: moving from Fidelity to Vanguard

Be aware that Fidelity will probably ding you for a $20 transfer fee. Actually Fidelity is one of the few that doesn't charge a transfer fee BUT they do have a 50 buck closing fee for IRAs so you'd need to find out if a total transfer initiates that. http://www.onlinebrokerrev.com/commissions_and_f...
by Boglenaut
Sat Mar 15, 2014 2:26 pm
 
Forum: Investing - Help with Personal Investments
Topic: moving from Fidelity to Vanguard
Replies: 15
Views: 1524

Re: Fidelity Fees on Transfer of IRAs to Vanguard

We transferred my wife's entire Roth IRA mutual fund account from Fidelity to Vanguard. Fidelity charged a fee of $10. We transferred part of my Rollover IRA mutual fund account from Fidelity to Vanguard. Fidelity charged a fee of $10. A lot of people mention a $50 account closing fee, but my under...
by Boglenaut
Sat Mar 15, 2014 2:14 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Fees on Transfer of IRAs to Vanguard
Replies: 7
Views: 697

Re: Was frugality a mistake? The downsides of saving too mu

I notice now I buy $16 per twelve pack of craft beer. I rarely did when I was younger.

Guess I'm feeling rich.
by Boglenaut
Sat Mar 15, 2014 10:43 am
 
Forum: Personal Consumer Issues
Topic: Was frugality a mistake? The downsides of saving too much.
Replies: 115
Views: 8789

Re: Fidelity Fees on Transfer of IRAs to Vanguard

Thank you for the heads-up about the fees, Boglenaut. I was not aware of them but will now go look more closely as I have been thinking of moving the bond portion of my account from Fidelity to Vanguard to access the better ER and quality of the comparable Vanguard bond funds. I didn't know about t...
by Boglenaut
Sat Mar 15, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity Fees on Transfer of IRAs to Vanguard
Replies: 7
Views: 697

Re: LED lights currently worth it personal financewise?

On a somewhat related note, back when CFLs were introduced, weren't they touted as having such a long life that they'd never need replacing? The bulbs I bought around 15 years ago were rated 7 years. One died in a few months. I e-mailed the company and they sent me 2 free replacements. I don't keep...
by Boglenaut
Sat Mar 15, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

CFLs definitely have an annoyingly high early failure rate. Maybe there is a high incidence of defects, but we often need to replace CFLs that are not even close to their rated service life. We bought three 60-watt replacement LED bulbs at Costco for $6 each (local utility subsidizes $5 each, norma...
by Boglenaut
Sat Mar 15, 2014 10:26 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

I am a big fan of LED flashlights. Prices on home lighting with LEDs are still a bit high IMO. We put a LED flashlight in a Halloween pumpkin last year. The next morning it was dimmer but still going. The old fashioned bulb would have been dead in an hour or two. It's great technology for flashligh...
by Boglenaut
Sat Mar 15, 2014 10:20 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487

Re: LED lights currently worth it personal financewise?

You need more options. Compared to what!? If compared to incandescent, they'll pay for themselves. Compared to CFL, no. We already are on CFL every where it is practical. When the LED go on sale and as the CFL, I plan to swith over. But that is for the better quality, not cost. The move from incande...
by Boglenaut
Sat Mar 15, 2014 10:14 am
 
Forum: Personal Consumer Issues
Topic: LED lights currently worth it personal financewise?
Replies: 55
Views: 2487
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