Bogleheads.org

Copernicus wrote:Thank you, that is helpful. I do not reinvest dividends. As for 86% S&P + 14% Russell 2000: Is that known to be composition of the Total US Stock Market? I wonder where one finds information such as this?

http://www.bogleheads.org/wiki/Approxim ... ock_Market

It doesn't cost anything extra to hold individual stocks that you already have, and as long as the portfolio is diversified, these stocks will serve the same function as a large-cap mutual fund such as an S&P 500 index. Thus, once you have your asset allocation, count this as part of your large...

I am thinking I should "protect" some gains on stock that I currently have. One in particular is showing a gain of 73.55%, but this might apply to many others. Strategy: lets say this stock is currently @ $100, bought @ ~$60. Lets also say I placed a limit sale for $90 that would run unti...

I ran into a similar problem with the Vanguard site earlier today. Looked like one of their load-balanced servers had a bad SSL certificate. Hitting refresh got me another server with no problems.

My mom worked for a company who was bought by a competitor. The company used ADP TotalSource as a PEO. Her boss was the new company, they picked her role, they decided her duties, they promoted her, all within the company. They had specific health insurance and retirement benefits in the name of the...

DamJam, Thanks for the heads up! For the International Holding, I plan to exchange it in the old 401k as I free up funds for future contributions other than my current 401k. My plan is to hold 100% of Total Int'l in my taxable. But until then, I will have to watch for it to avoid wash sales. Basical...

Been a whirlwind of a couple months and many changes in my financial life (promotion, bonus, selling one of the cars, etc.), so I thought I would update this post with a refresher. Didn't edit the Op so that the conversation could still be followed. Emergency funds: Yes, 5 months Debt: - Auto 1 - $0...

I began putting all my extra payments into VWLUX and switching the minimum for my remaining student loans. But then I'm also in the 25% bracket.

Didn't see your prior post. I wonder if banks will do a secured loan on an IRA CD. Can't hurt to check.

You could move your "bond" holdings to a CD at a bank and get a secured loan on the funds. Personally, I would find other avenues to finance what you need and I would adjust my spending to save as much of it as I could. Even just sticking a good portion in a decent rewards checking or Ally...

I've also learned to do a few repairs myself. There are lots of great step-by-step videos on YouTube. I've also watched what repairmen have done -- sometimes it is very easy to do what they are doing! I've been moving into this category lately. Replaced my Maytag/Whirlpool dishwasher door latch for...

Last I remember Wells was charging $50 per account to transfer PMA accounts out of Wells to another brokerage like Vanguard. Wonder if Vanguard would pickup that fee to transfer over to them, my old Scottrade brokerage told me they would pay those account closing fees if I ever decided to come back...

The Op and I talked over a PM. This was a case that the MF was NTF when originally bought, but no longer is. Confusing part is that some other duds from this family are still NTF. This isn't exactly the easiest info to find at WF. I personally had to use a "Custom Screener" to find out if ...

Surprised nobody has asked/mention this yet... Why would you buy the S&P 500 (presuming an index fund following it like the Vanguard 500) versus buy a total market fund that inherently includes the S&P 500 and a cap-weighted average of all the US Market (except micro-caps)? Any particular re...

I see myself doing number 1: continuing to be frugal. I do not like waste, and I love efficiency. I take vacations, go out to eat, and enjoy life, but I do so with purpose. I do not drink coke with dinner at restaurants because of the cost and health reasons, but if I really want a coke, I get one....

I wish I could change my passwords only every 6 months. My employer requires we change them every 33 days!

We use Verizon's Home Phone Connect for $9.99 (add'l line on our cell plan). Combine that with each of us having cells and having unlimited mobile to any mobile and friends and family to 10 #s, we have no need for the triple play. Instead, we've gotten antennas and get out HD OTA and just subscribe...

I wonder if the Op is confusing a NTF Mutual Funds and No Load MFs (but trading fee) with its equivalent ETF? In that case, the ETF would be subject to an $8.95 trading fee after the free 100. NTF Mutual Funds shouldn't count towards that 100, but $35 trading fee No-LOAD do. And if you finished out ...

I got one a few weeks ago when I saw my Vanguard account had my old name on it. Took it to my regular Wells Fargo by work and their only thing was a verbal requirement that the account be worth less than $2 million. Called three other locations by home and all three had "officers" that cou...

How did you do the rollover exactly? Did you have the check made out to Vanguard? My Roth isn't with Vanguard. But basically yes. My 401k required the name of the custodian and they mailed a check to my house made out to the Custodian FBO BrandonBogle. I then sent that check in with rollover paperw...

My previous employer's plan allowed this and I took advantage of it. Sadly, my current employer's plan does not. Hopefully some day that will change!

Some of us are fortunate enough to work for employers that allow us to put over 50k in a 401k. I wish that was still true for me!

Why is your topic subject headline screaming at us?

I'd suggest editing the first post to not be in all caps as in "Internet-speak", that constitutes yelling at the forum members/readers.

Split the difference 50/50. For now, SV will yield more. Going forward, it will either be comparable, or yield slightly more if rates shoot up and TBM takes a price depreciation hit. Either way, it's a safe haven at all times, so not a bad move for the long term in terms of risk. Personally, I'm spl...

Oh, looks like David might be saying that there essentially was no artificial increase of the return when the BDC expense was line-item listed

viewtopic.php?f=10&t=114980&newpost=1672914#p1672914

But since CRSP doesn't track BDCs and Vanguard is how fully converted to this index, shouldn't this mean that the fund no longer holds any BDCs? If so, then overall isn't it a reduction still? With the previous SEC ruling, weren't they adding back in the BDC expenses to the return of the underlying ...

btenny wrote:Is there any way to buy I bonds or EE bonds in an IRA?

No, but you can think of it like a Traditional IRA if you decide to defer taxes on the earnings until you cash it out (or it matures in 30 years, whichever comes first).

This is similar to the fraudulent returns that people file, impersonating others, to get a large refund. The victims eventually get these resolved, but it takes some effort. This is not fun. Going through it right now with mom. Got the false credit cards closed down and a fraud alert placed. Waitin...

When we had a telco landline, it was $39 or so a month. When we had cable landline, it was about $30 a month. So going to $10 to share our cell minutes or $20 for unlimited was a nice change. And the box has a high powered antenna that gets better reception than our phones, and has a battery backup....

I'm currently in something of an ant & grasshopper relationship where I am the ant and he is the grasshopper. We meet now, both divorced and an midlife - after two lifetimes of decisions, both good and bad, in retrospect. I am the ant - always saved, worked two jobs & grad school at night, ...

EternalOptimist wrote:It's all in the attitude.

Totally!

I would add that it's not so much a problem as long as either

We use Verizon's Home Phone Connect for $9.99 (add'l line on our cell plan). Combine that with each of us having cells and having unlimited mobile to any mobile and friends and family to 10 #s, we have no need for the triple play. Instead, we've gotten antennas and get out HD OTA and just subscribe ...

How did the inspection go? Did you find a better rate or fees than your local bank?

Congrats! That's money back in your pocket now every year going forward!

All my current tires are from Discount Tire Co and have free unlimited balancing and rotation. If I needed a flat fixed, I would take it to them.

That said, they are a great company to go to for your future tire needs.

Every time I go to Toronto, I just swipe everything to a no-foreign fee card. Come to think of it, I mostly do that in the US. I've had US$19 in my wallet all year.

xram wrote:They said they locked it in us today over the phone. Nothing signed yet. So if I find a lower rate tonight or tomorrow we should be able to get out without any loss of money, correct?

Correct

ok. great. i "locked in" the 2.5% 15 year, 1% origination fee but im still going to look around and cancel that one if i need to the lady pretty much admitted there was no legal recourse for them if i do cancel :happy thanks xram Yup. The only thing you need to keep in mind is that if the...

Why would there be a 8606 for a conversion that was done in 2013? I thought you would generate that NEXT year and send it in with your 2013 taxes.

Gotcha. Bank # 1 is not bad. Look at online banks too. For instance, http://www.americaninterbanc.com/wp-content/uploads/Rate-Sheet-Template.pdf shows AIB doing 2.5% with 0% origination but $699 lender fee + third party. NOTE: I do NOT work for AIB, never used, have no relationship with them. I just...

Xram, I might not be understanding what you said. Please correct my understanding if I misunderstood. You have three loans so far that you've looked at. All 3 are going to charge third-party fees, which should be about the same between them all. So what you are left with are rate, origination fee, d...

i read that banks either do an origination fee or hide a "service fee" or "spread yield premium" or something like that in the loan and that ends up costing you more in the long run this bank does not hide any of those fees i am told thanks for the response I would say the 2.5% ...

It's not bad, but I've personally never paid an origination fee on any of my loans. That said, my last one was 01/2011, so maybe the game has changed. My closing costs on that loan was $300 appraisal, $225 survey, prepaid interest. No lender fees, no credit report fee, no doc fee, no lawyer/closing ...

I've been very happy with http://www.amazon.com/Samsung-UN32EH4003-32-inch-720p-Black/dp/B0078LSTWU/ref=lh_ni_t?ie=UTF8&psc=1&smid=ATVPDKIKX0DER $278 as I right this. Bought this on Black Friday for $225 and has an amazingly crisp display and very easy-to-use interface. But keep in mind it's...

Xram, first, congrats on the house and accepting before 3 pm. I agree with the previous inspectors. I will also add that these are under ideal circumstances and ultimately, this is a judgement call on the specific appraiser. In all likelihood, you will not get to choose your appraiser and the person...

It even made the local news last night. The news being the news noted that no word as if anything has been breached, or something like that. Again more warm and fuzzy feelings :wink: Have you considered banking with a smaller target? I have but it one of those deals where I have been at Wells for 2...

About 10-12 years ago, Chase ran a promotion. When interest rates were in the 2-3% range, they were offering a 6 month CD (only for an IRA or similar) with a 5% yield. I put in a big chunk of my retirement. Within two weeks, I was getting calls about annuities after my CD matured. There were a few ...

Thankfully, I can get on from Florida. I could last week too.

I'd rather see them spend it all enjoying their retirement. My "inheritance" is freedom from worry about having to support my aging parents financially, and them showing me the benefits of living below your means and saving toward your own financial security. +1 That's how I do/would view...

Personally, with loans that low I would max out tax advantaged space before paying off the loan. If are aren't fully funding an IRA (and likely even a 401k), filling up that space could be worthwhile. But yes, you won't get a safe yield high enough to make up for the loan costs. For me, I did that w...

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