Search found 133 matches

by C8H18Engineer
Thu Aug 27, 2015 1:11 pm
Forum: Investing - Theory, News & General
Topic: best auto re-balancing brokerage firm to put my portfolio
Replies: 3
Views: 533

Re: best auto re-balancing brokerage firm to put my portfolio

There might be easier and lower cost ways to achieve auto-rebalancing and your longer term goals. Have a look at the Life Strategy and Target Retirement series of mutual funds.
by C8H18Engineer
Thu Aug 27, 2015 12:10 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1935
Views: 363795

Re: U.S. stocks in freefall

My guess is 2011 - November - I seem to recall the series of rather large up/down during that time.

I'll wait for a few more to guess...
by C8H18Engineer
Wed Aug 26, 2015 10:46 am
Forum: Investing - Theory, News & General
Topic: What cause new highs for market [over time]?
Replies: 6
Views: 570

Re: What cause new highs for market overtime?

Longer term I would suggest some probable sources:
- Inflation
- Population growth
- Innovation resulting in efficiency (and therefore some added value)
by C8H18Engineer
Wed Aug 26, 2015 9:06 am
Forum: Personal Consumer Issues
Topic: Barcode generator
Replies: 7
Views: 777

Re: Barcode generator

In addition to simply generating the images... if your barcode is for use in Retail Point of Sale then you would want to register and purchase a range from GS1, or a barcode re-seller. These are for UPC codes and the like. You will find lots of info about barcode types at http://www.barcode-1.net/
by C8H18Engineer
Tue Jun 30, 2015 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Using an Ally savings account from Vanguard
Replies: 13
Views: 1841

Re: Using an Ally savings account from Vanguard

For a savings account, you will be limited to 6 transactions per statement cycle. That will be OK, if you make that or fewer purchases per month.
by C8H18Engineer
Tue Mar 31, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: VG Total Bond Distrb Factor of 10 Smaller
Replies: 2
Views: 473

VG Total Bond Distrb Factor of 10 Smaller

I checked to see what March distribution might be and found some strikingly small figures for March distribution. This is not a mistake right? It's about a factor of 10 smaller than typical for this fund.
by C8H18Engineer
Thu Mar 19, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard - The New Bond King - WSJ
Replies: 27
Views: 4723

Re: Vanguard - The New Bond King - WSJ

I found the comments after the article interesting - especially the one that says the PIMCO Total Return Bond Fund (PTTRX ER 0.46%, Turnover 227%) beats Vanguard Total Bond Market Index Adm (VBTLX ER 0.08% Turnover 72%) "hands down." I'm sure this is not without additional risk... Checking...
by C8H18Engineer
Wed Mar 11, 2015 9:12 am
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 20229

Re: What are some common misconceptions found in this forum?

I have found some truth in each of the above statements, but need to be taken in context to understand where the boundaries are, and why they are at least partially true in some cases. I would not say these are coming through as absolute truths in the forum because there are enough wise ones here to...
by C8H18Engineer
Wed Feb 25, 2015 9:20 am
Forum: Personal Finance (Not Investing)
Topic: [Protection against fraudulent IRS tax returns]
Replies: 39
Views: 2188

Re: Preventing IRS Fraud

The IRS assigns the PIN (six digit, I think). I don't know if you can just change it any time you want to. Only certain taxpayers are eligible to use the IP-PIN system. The IRS refers to two kinds of PIN's one is self-select and one is for paid preparers. http://www.irs.gov/taxtopics/tc255.html Tha...
by C8H18Engineer
Wed Feb 25, 2015 9:02 am
Forum: Personal Finance (Not Investing)
Topic: [Protection against fraudulent IRS tax returns]
Replies: 39
Views: 2188

Re: Preventing IRS Fraud

Perhaps changing one's PIN immediately after using it would be good protection. That way if the third party is the one hacked, the hacker gets an old PIN that doesn't work.
by C8H18Engineer
Tue Feb 24, 2015 8:56 am
Forum: Investing - Theory, News & General
Topic: Keep brokerage account at Vanguard?
Replies: 11
Views: 1600

Re: Keep brokerage account at Vanguard?

Maybe you should consider abandoning all "trading" platforms. Trading incurs cost (some you see, others you don't), which is likely not good for the long term returns. Consider the question of why a selection of low cost mutual funds would not support your IPS.
by C8H18Engineer
Thu Feb 12, 2015 4:11 pm
Forum: Investing - Theory, News & General
Topic: PriceStats Index Drops to Level Last Seen in 2008
Replies: 3
Views: 467

PriceStats Index Drops to Level Last Seen in 2008

Has anyone else noticed that the PriceStats Index dropped to a new recent low (-1.1% per month)? Is there any connection between CPI and the value of stocks and bonds?

http://www.pricestats.com/us-series
by C8H18Engineer
Thu Feb 12, 2015 9:29 am
Forum: Investing - Help with Personal Investments
Topic: New 401(k) Choices - No Good Bond Fund
Replies: 3
Views: 413

New 401(k) Choices - No Good Bond Fund

After a couple of years of pressuring the Plan Administrators to consider lower cost funds, the Megacorp I work for has come through with some lower cost funds (including the Vanguard TR series), for which I thanked them. However, what is offered as a bond fund seems to be only actively managed bala...
by C8H18Engineer
Wed Feb 11, 2015 8:51 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard International Stock Fund that is currency-hedged
Replies: 5
Views: 768

Re: Vanguard International Stock Fund that is currency-hedge

From the Developed Market Prospectus: The Developed Markets Index Fund may enter into foreign currency exchange forward contracts, which are a type of derivative, in order to maintain the same currency exposure as its benchmark index. Seems there may be some hedging going on there, but does not elim...
by C8H18Engineer
Wed Feb 04, 2015 7:02 pm
Forum: Personal Consumer Issues
Topic: Best ways to save on electricity bill
Replies: 58
Views: 7779

Re: Best ways to save on electricity bill

1 Therm is 29.3 kwh, so it could really pay to switch over to gas.
by C8H18Engineer
Wed Jan 28, 2015 3:16 pm
Forum: Investing - Theory, News & General
Topic: High Expense Funds vs Vanguard: No Difference?
Replies: 37
Views: 2967

Re: High Expense Funds vs Vanguard: No Difference?

Seems a bit apples to oranges - the first example compares a mid-cap to large-cap blend. So in the period, mid caps were able to perform well enough to cover the 1% higher ER.
by C8H18Engineer
Thu Jan 22, 2015 11:14 am
Forum: Investing - Help with Personal Investments
Topic: getting employer to change 401k
Replies: 11
Views: 904

Re: getting employer to change 401k

Just to give others encouragement, I would like to let you know that I have been suggesting for about 2 years that our company change the fund selections or provider... and now they have. We've gone from mediocre to better. More choices and more index funds. There are the occasional dogs in there, b...
by C8H18Engineer
Fri Jan 16, 2015 11:24 am
Forum: Investing - Theory, News & General
Topic: Time to protect against rising inflation?
Replies: 31
Views: 2852

Re: Time to protect against rising inflation?

I follow my IPS - and as far as timing goes, I just try to maintain that allocation to inflation protected assets (20% of bond asset class). I recently traded REIT for Inflation Protected Securities because the REIT was above my IPS target by more than my re-balancing band threshold, and the Inflati...
by C8H18Engineer
Thu Jan 15, 2015 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal IRA and Immediate Roth Conversion
Replies: 11
Views: 737

Re: Spousal IRA and Immediate Roth Conversion

If you qualify based on income for Roth, why would you not go directly to spousal Roth IRA?

If you don't qualify for a Roth based on income, I didn't think you could get money into a Roth by backdoor... need an IRA expert to weigh in on this - anyone?
by C8H18Engineer
Tue Jan 06, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard sets record funds inflow, has $3.1 trillion assets
Replies: 39
Views: 3034

Re: Vanguard and DFA #1 & #2 Fund Inflows

.... Shouldn't there be a gobzillion default target date fund contributions pouring in from 401ks all over the place to these larger players? <...> Perplexed... My 401k does not have a single target date option. Maybe that is so for many of the 401k plans, so being stuck with the best of a bad lot ...
by C8H18Engineer
Sat Jan 03, 2015 12:04 am
Forum: Investing - Theory, News & General
Topic: 2015 BOGLEHEAD CONTEST REGISTRATION
Replies: 556
Views: 23345

Re: 2015 BOGLEHEAD CONTEST REGISTRATION

2,143.31 good as any guess... I guess.
by C8H18Engineer
Thu Dec 04, 2014 11:51 am
Forum: Personal Consumer Issues
Topic: database software for personal checking account?
Replies: 4
Views: 487

Re: database software for personal checking account?

You could try GnuCash - which is free and open source, supporting QIF format, if your bank can supply the files.
by C8H18Engineer
Wed Dec 03, 2014 4:46 pm
Forum: Local Chapters and Bogleheads Community
Topic: Suggestions for the Wiki
Replies: 299
Views: 151850

Re: Suggestions for the Wiki

Wiki page http://www.bogleheads.org/wiki/HSA#HSA_custodians_and_options needs to be updated for HSA Adminsitrators. The link to their fee schedule has changed: http://healthsavings.com/members/fees/
by C8H18Engineer
Wed Dec 03, 2014 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: HSA
Replies: 13
Views: 1756

Re: HSA

I was also looking at HSA Administrators, but couldn't find anything on their website about fees.

The Wiki has a link http://hsaadministrators.info/hsa-fees but this gets bumped to their new web page.

Where did you find the fee schedule?
by C8H18Engineer
Tue Dec 02, 2014 9:33 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1935
Views: 363795

Re: U.S. stocks in freefall

Is the stock market decline permanent or temporary? Have US companies announced that they are slashing their dividend payments? If you look at divstat, you'll see the number of companies decreasing dividends is not looking good, approaching the levels seen around end of 2008. But who knows? This is...
by C8H18Engineer
Thu Nov 13, 2014 10:03 am
Forum: Investing - Help with Personal Investments
Topic: HSA Account - Health Savings Administrators?
Replies: 3
Views: 634

Re: HSA Account - Health Savings Administrators?

Vanguard directs people to this provider... I could not find the fee schedule on Health Savings Administrators website - does anyone know if the fee schedule has changed for 2014/2015? I'm considering the HDHP with HSA this year as it is a net annual savings of over 3 K USD, while I'm only taking ab...
by C8H18Engineer
Thu Nov 06, 2014 2:29 pm
Forum: Personal Consumer Issues
Topic: Your very first email
Replies: 60
Views: 2867

Re: Your very first email

1988, from a university where I had a mainframe account. I sent an e-mail to my sister who worked at a defense contractor. We were on Bitnet, and she was on DARPA. At that time e-mail did not automatically route, and you had to specify how to hand it to a server that knew another server that knew an...
by C8H18Engineer
Tue Nov 04, 2014 3:42 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 8105

Re: Vanguard web site changes

I have an RSA key fob from another broker. For me that has performed well for two factor authentication. No texting required.
by C8H18Engineer
Fri Oct 31, 2014 10:17 am
Forum: Investing - Theory, News & General
Topic: Does the future of exp ratios factor into your decision?
Replies: 21
Views: 1202

Re: Does the future of exp ratios factor into your decision?

I guess I also observed that the general trend was for lowering expenses, and I never really considered the future change in ER. However, I recently participated in a proxy vote that proposed to FIX the ER at 0.4%, implying that it would never be able to go lower in the future. I voted NO. And if it...
by C8H18Engineer
Fri Oct 31, 2014 10:05 am
Forum: Personal Finance (Not Investing)
Topic: Homeowners Policy Increased 26% in 2 Years
Replies: 29
Views: 2873

Re: Homeowners Policy Increased 26% in 2 Years

Wow. Do you need such a low deductible? You should compare what it looks like at various deductible levels. If you have a significant emergency fund, I would expect it to be available for such emergencies, and if they don't happen, then there is more left over to invest each year.
by C8H18Engineer
Fri Sep 12, 2014 10:14 am
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4768

Re: Angry when stock market is down

Why get angry at something you can't control? If you have a long time horizon and automatic contributions, why don't you just stop looking? These little blips are unimportant. I actually wish the market would got down every other Thursday so when my 401(k) contributions buy shares on payday I'd get...
by C8H18Engineer
Wed Sep 10, 2014 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2441

Re: Trying to get my company to switch to Vanguard 401(k)

... Vanguard is extremely transparent about their 401k plan. They openly say that the record keeper is Acensus. The cost of the Vanguard 401k plan are as follows: BUNDLED (Start-up: $1,000, Conversion: $1,500) Participants Pricing < 16 Participants $3,475 Participants 16 – 50 $3,475 + $75 per parti...
by C8H18Engineer
Wed Aug 13, 2014 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1343

Re: Changed Roth to Vanguard: 1 month later 2 cent check

Hey, at least you got a check... my former custodian simply deleted the 32 cents posted after the transfer out.
by C8H18Engineer
Tue Jul 08, 2014 3:52 pm
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6907

Re: What octane gas do you use to fill your car?

Many thanks to the helpful posts by the many knowledgable contributors. So here's my proposal: - Manual recommends 91 octane - Local pumps provide 87, 89, or 93 - about $.20/gal difference between each grade. - Solution: Fill the tank half full with 89 and the other half with 93 -- savings of $1.60...
by C8H18Engineer
Tue Jul 08, 2014 12:54 pm
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 6907

Re: What octane gas do you use to fill your car?

You need a new category for those who live in the mountains. I use 85 (R+M)/2 since I am at over 7,000 ft above sea level.
by C8H18Engineer
Tue May 06, 2014 4:35 pm
Forum: Personal Finance (Not Investing)
Topic: Article on Amish approach to personal finance
Replies: 12
Views: 2042

Re: Article on Amish approach to personal finance

car?... simple answer - don't own one. Use a horse-drawn carriage or walk/bike.
by C8H18Engineer
Fri Apr 11, 2014 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2440

Re: Problem with Vanguard website

I called Vanguard, but of course they were too busy. Something is up.

I am able to login from my mobile device just fine, but IE and Chrome are a no-go.
by C8H18Engineer
Fri Apr 11, 2014 3:00 pm
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2440

Re: Problem with Vanguard website

Seems messed up right now... I tried accessing it from two parts of the country. Images are broken and web pages malformed. I checked the static image host and it shows down: https://static.vgcontent.info/ret/hnw/web/images/gh2/vg_logo.gif Website Name: static.vgcontent.info URL Checked:no response ...
by C8H18Engineer
Fri Apr 11, 2014 11:43 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1935
Views: 363795

Re: U.S. stocks in freefall

Is the stock market decline permanent or temporary? Have US companies announced that they are slashing their dividend payments? If you look at divstat, you'll see the number of companies decreasing dividends is not looking good, approaching the levels seen around end of 2008. But who knows? This is...
by C8H18Engineer
Fri Apr 04, 2014 9:45 am
Forum: Investing - Theory, News & General
Topic: VDMAX to VTMGX Conversion ER went up?
Replies: 3
Views: 634

VDMAX to VTMGX Conversion ER went up?

Did anyone else notice in the reorganization proxy that was sent out that the ER was shown to be 0.09% for Admiral shares in both of these funds before the merger, then at the merger the new fund has a slightly higher ER (0.10%)? While it's not much, I would have expected more accurate info in the i...
by C8H18Engineer
Fri Mar 07, 2014 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1682

Re: Paying extra directly onto mortgage

If you have good credit, you should refi at today's low rates and save the difference in your own chosen asset allocation.

On the matter of Edward Jones as a institution of choice, I think you should take a hard look at others, paying particular attention to the costs.
by C8H18Engineer
Fri Feb 28, 2014 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing When Tax-Advantaged Are Full of Bonds
Replies: 7
Views: 1529

Re: Rebalancing When Tax-Advantaged Are Full of Bonds

I asked a similar question a while back having to do with "perfect" tax efficient placement. There were a few suggestions on how to expand the tax sheltered space you may want to consider:

http://www.bogleheads.org/forum/viewtopic.php?f=10&t=130649
by C8H18Engineer
Thu Feb 27, 2014 1:24 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2689

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

OK, the primary benchmark is the SP 500 TR, which I believe includes reinvestment of all distributions, so it looks OK 2008 2009 2010 2011 2012 2013 ### Total return % -37 26.5 15 2 15.9 32.2 -3.5 S&P 500 TR USD -37 26.5 15.1 2.1 16 32.4 -3.5 Russell 1000 TR US -37.6 28.4 16.1 1.5 16.4 33.1 -3.2...
by C8H18Engineer
Thu Feb 27, 2014 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2689

Re: 401(k) S&P500 Stock Index Fund that doesn't pay dividend

My concern is that it tracks the price of the index, but not the total return (less by at least the dividends). To me that is a significant loss of compounding and a reason to press the 401k committee to get a more favorable index fund in there.
by C8H18Engineer
Thu Feb 27, 2014 12:47 pm
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2689

401(k) S&P500 Stock Index Fund that doesn't pay dividends

So, I've got one (1) broad market index fund in my 401k that is called SSgA S&P 500 Index SL-III - one would think is like SSgA's generally available fund under ticker SVSPX. It's the lowest cost by far of anything in my selections, so I have a fair bit in that investment. What I noticed last ye...
by C8H18Engineer
Wed Feb 19, 2014 3:04 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1125

Re: Hitting the Roth Phaseout, Do I understand this correctl

OK, so it seems for those currently in high income bracket with sizable pre-tax rollover IRA, not eligible for Roth contributions due to MAGI, could take the following strategy to eventually get more money into Roth: 1) Contribute to the tIRA each year and grow this tax advantaged space 2) Early in ...
by C8H18Engineer
Wed Feb 19, 2014 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1125

Re: Hitting the Roth Phaseout, Do I understand this correctl

I'll be doing the back door roth for the first time in the next week. So i have read about it in theory, but haven't practiced yet so take that for whats its worth. But why not just contribute to the IRA account first (assuming you don't have any other IRA or existing roll overs with pre-tax in com...
by C8H18Engineer
Tue Feb 04, 2014 5:50 pm
Forum: Investing - Theory, News & General
Topic: Source for monthly fund data feed (i.e. Morningstar, etc)
Replies: 14
Views: 1010

Re: Source for monthly fund data feed (i.e. Morningstar, etc

Both Yahoo and Google Finance have web interfaces to query and download a .CSV file with daily data, which you can parse with an application. I wrote a fun program to track several thousand tickers and run some statistics looking for trends, peaks, etc. It was before I caught on to index investing, ...
by C8H18Engineer
Tue Jan 14, 2014 10:45 am
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 3835

Re: devices to maximize a car's fuel economy

You can't fool thermodynamics - the best bet is to change your driving habits. There are many posts on other boards about "hyper-mileage" techniques. You may want to look into these. But basic ones are : No "jack-rabbit" starts leaving a stopped position Leave plenty of space in ...
by C8H18Engineer
Tue Jan 14, 2014 10:37 am
Forum: Investing - Theory, News & General
Topic: Does tax efficient allocation cause glide path issue?
Replies: 3
Views: 562

Does tax efficient allocation cause glide path issue?

If one has chosen a strategy to do age-x in bonds and is trying to be tax efficient by placing equities in taxable and bonds in tax-deferred, does this create an issue as you approach retirement age? In the expected scenario, your highest income years are the final working ones, but with a pure tax ...

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