Search found 103 matches

Return to advanced search

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
Fri Sep 12, 2014 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Angry when stock market is down
Replies: 79
Views: 4165

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 Sep 10, 2014 1:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 1962

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
Wed Aug 13, 2014 12:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changed Roth to Vanguard: 1 month later 2 cent check
Replies: 13
Views: 1241

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 4:52 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5903

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 Jul 08, 2014 1:54 pm
 
Forum: Personal Consumer Issues
Topic: What octane gas do you use to fill your car?
Replies: 77
Views: 5903

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
Tue May 06, 2014 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Article on Amish approach to personal finance
Replies: 12
Views: 1963

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 4:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2128

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 4:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 2128

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 11, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 802
Views: 136897

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 Apr 04, 2014 10:45 am
 
Forum: Investing - Theory, News & General
Topic: VDMAX to VTMGX Conversion ER went up?
Replies: 3
Views: 564

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 Mar 07, 2014 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Paying extra directly onto mortgage
Replies: 17
Views: 1639

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
Fri Feb 28, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Rebalancing When Tax-Advantaged Are Full of Bonds
Replies: 7
Views: 1468

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 2:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2302

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 2:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2302

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
Thu Feb 27, 2014 1:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) S&P500 Stock Index Fund that doesn't pay dividends
Replies: 30
Views: 2302

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 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1104

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
Wed Feb 19, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hitting the Roth Phaseout, Do I understand this correctly?
Replies: 17
Views: 1104

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 Feb 04, 2014 6:50 pm
 
Forum: Investing - Theory, News & General
Topic: Source for monthly fund data feed (i.e. Morningstar, etc)
Replies: 14
Views: 720

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 11:45 am
 
Forum: Personal Consumer Issues
Topic: devices to maximize a car's fuel economy
Replies: 64
Views: 3725

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 ...
by C8H18Engineer
Tue Jan 14, 2014 11:37 am
 
Forum: Investing - Theory, News & General
Topic: Does tax efficient allocation cause glide path issue?
Replies: 3
Views: 526

Re: Schwab or Vanguard for rollover IRA ?

For me I found that Vanguard is more aligned with my long term needs. I don't need a brokerage account since I am done with the day trading folly. Beware of those teaser gimmicks - these are businesses that will make that back from your earnings over time, and then some.
by C8H18Engineer
Sun Jan 12, 2014 11:50 am
 
Forum: Investing - Help with Personal Investments
Topic: Schwab or Vanguard for rollover IRA ?
Replies: 15
Views: 1097

Re: MAGI question

Considering the typical accumulation-phase person, just to clarify the "income" element, which of the following are included: 1. wages tips 2. long term capital gains 3. short term capital gains 4. qualified dividends 5. ordinary dividends 6. interest in taxable accounts (CD, bank, etc) 7....
by C8H18Engineer
Wed Jan 08, 2014 1:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: MAGI question
Replies: 7
Views: 790

Re: Ozone generators for odor removal?

Just be aware that ozone chews up anything rubber or plastic, such as seals and gaskets on things that might be important or expensive. You don't want elevated ozone levels 24/7.
by C8H18Engineer
Fri Jan 03, 2014 9:51 pm
 
Forum: Personal Consumer Issues
Topic: Ozone generators for odor removal?
Replies: 20
Views: 1569

Re: First time doing my own taxes

Someone posted this tax calculator link a while back in an earlier thread ,here it is again ,may be of assistance :happy http://www.taxcalculator.org/ pretty decent calculator. It is missing the refundable credits though. +1 Also I can't seem to enter a business loss (the minus symbol just gets del...
by C8H18Engineer
Fri Jan 03, 2014 1:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: First time doing my own taxes
Replies: 37
Views: 1740

Re: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST

1890.5 just pacing inflation.
by C8H18Engineer
Thu Jan 02, 2014 3:00 pm
 
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR THE 2014 BOGLEHEAD CONTEST
Replies: 536
Views: 13898

Can you 401k + Roth IRA + tIRA?

I was reading the rules for traditional IRA using after tax $ and it seems one can use this regardless of coverage under an employer's 401k plan. Does this mean a person with sufficient earned income could contribute these amounts in 2013? 401(k) 17,500 Roth IRA 5,500 (subject to MAGI threshhold) Tr...
by C8H18Engineer
Mon Dec 23, 2013 6:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: Can you 401k + Roth IRA + tIRA?
Replies: 3
Views: 451

Re: Best "Indirect Financial advice" you ever received?

It's hard to beat the S&P 500 (suggesting that you not try in vain)
by C8H18Engineer
Wed Nov 13, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best "Indirect Financial advice" you ever received?
Replies: 66
Views: 3734

Re: Investing Company funds at Vanguard

The corporation owns the accounts. Typically your articles of incorporation will require a referendum to open the account, so you'll need to dig up the articles for Vanguard. It may require paper signatures as well - I know our bank did. The way we ran it, the directors recorded in the meeting minut...
by C8H18Engineer
Wed Nov 13, 2013 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Investing Company funds at Vanguard
Replies: 5
Views: 335

Re: Weather Stations

Weather Underground has a fairly extensive list. Check the reviews of the stations. AcuRite seems to have the most features for the price, but maybe you get what you pay for there.

http://www.wunderground.com/weatherstation/setup.asp#hardware
by C8H18Engineer
Tue Nov 12, 2013 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Weather Stations
Replies: 7
Views: 643

Re: Morningstar list-article on funds with good investor ret

I see that the Fidelity FSTMX fund is less tax efficient and has generally higher turnover than VTSAX - can this play into the inventor returns difference? Look also at the "total cost ratio" and you see that VTSAX is ultimately lower cost as well. If it is a cash in/out timing, perhaps a ...
by C8H18Engineer
Tue Nov 12, 2013 9:25 am
 
Forum: Investing - Theory, News & General
Topic: Morningstar list-article on funds with good investor returns
Replies: 23
Views: 2034

Re: Roku Private Channels

As far as I can tell, you can only stream a few of the archived shows from HGTV, not live. CBS has a good set of archived programs.
by C8H18Engineer
Mon Nov 11, 2013 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Roku Private Channels
Replies: 7
Views: 2167

FSA Use it or Lose it Modified - carryover $500

[Thread merged into here. --admin LadyGeek] As I understand it the Treasury Department modified the rule and issued a notice on Oct 31, 2013 which says that plan sponsors may allow employees to carry-over up to $500 of any remaining balance rather than lose it at the end of the year. See their post...
by C8H18Engineer
Fri Nov 08, 2013 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: FSA gains $500 rollover feature
Replies: 30
Views: 2312

Re: Is Google Voice going away?

So what are the alternatives for VOIP service... most I see are about $20+ per month, but I was looking for basic service for something on the order of $20 per year! :?: I use Anveo for my incoming DID. For outgoing, I use CallWithUs. Anveo "Personal Unlimited" looks pretty close to what ...
by C8H18Engineer
Fri Nov 08, 2013 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Is Google Voice going away?
Replies: 14
Views: 3073

Re: Is Google Voice going away?

So what are the alternatives for VOIP service... most I see are about $20+ per month, but I was looking for basic service for something on the order of $20 per year! :?:
by C8H18Engineer
Fri Nov 08, 2013 1:40 pm
 
Forum: Personal Consumer Issues
Topic: Is Google Voice going away?
Replies: 14
Views: 3073

Re: Have you ever moved for lower cost of living?

In my recent move, COL was one of several factors - I was certainly trying to get away from what I felt was over-taxation. When I finally settled on a state, and general area, I looked at county-level taxes and was surprised that I could get about $4,000 per year lower property taxes just for a 5 mi...
by C8H18Engineer
Thu Nov 07, 2013 1:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever moved for lower cost of living?
Replies: 72
Views: 6085

Re: Verizon to Page Plus - documenting my experience

I was thinking of getting Page Plus for my wife, who is currently on a really expensive AT&T plan. She has an HTC, but from what I read, there is absolutely no chance of using that phone on Page Plus. If you look at Page Plus compatible phones there are only three - really, three phones to choos...
by C8H18Engineer
Thu Oct 31, 2013 9:17 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7667

Re: Idle curiosity: What to do with inherited bank stock?

With inherited shares, aren't you eligible to have the cost basis stepped up on the transfer date? Before too much time passes, you should get some documentation of what shares were selling for around that date so that you know your gain/loss when you eventually sell. Since there is "no market&...
by C8H18Engineer
Thu Oct 24, 2013 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Idle curiosity: What to do with inherited bank stock?
Replies: 11
Views: 903

Re: TIPS: Short term or the other one?

At last year's Bogleheads Reunion the expert panel covered TIPS and TIPS funds. One of the comments was that TIPS could be more appropriate in the later part of the accumulation phase, say when you are in your 50's, and you want protection from unexpected rise in inflation. You can watch the video h...
by C8H18Engineer
Wed Oct 23, 2013 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: TIPS: Short term or the other one?
Replies: 10
Views: 1061

Re: Bogle - Swap Treasuries for Corporates

I think the trigger that may have set off this discussion was one that Bogle indicated that 70% Treasuries was too much weight. So how does one swing the other way while maintaining the ballast that is obvious from something such as Total Bond Market? IMF in 2008 had the following article presented ...
by C8H18Engineer
Wed Oct 16, 2013 1:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogle - Swap Treasuries for Corporates
Replies: 59
Views: 6086

Re: Boglehead Wisdom on Family Will & Inheritance

As I understood it, a lot of flexibility is lost if one uses the will and probate process to distribute the property versus other methods - particularly the period of time over which the property must be distributed, which could have consequences of poor timing with real estate.
by C8H18Engineer
Wed Oct 16, 2013 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 1992

Re: Boglehead Wisdom on Family Will & Inheritance

I've been reading Ed Slott's "The Retirement Savings Time Bomb..." and there is a wealth of information in there on ways to pass assets to your intended beneficiaries without getting killed by taxes. The key there being that certain things must be done before the owner of the property pass...
by C8H18Engineer
Wed Oct 16, 2013 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Boglehead Wisdom on Family Will & Inheritance
Replies: 19
Views: 1992

Re: Is VMMXX safe?

I raised a similar question back in April, seeing the dividend going to near zero. There are several good comments in the thread http://www.bogleheads.org/forum/viewtopic.php?f=10&t=115392 where you can see some of the steps being taken by Vanguard. Most notably, the foreign holdings have gone up.
by C8H18Engineer
Sun Oct 13, 2013 12:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is VMMXX safe?
Replies: 9
Views: 1155

Re: Solar- How do these #s look?

I see in your calculation that you are anticipating an energy rate increase over time. This could be true for power that is purchased from the power company, but I saw recently posted on this board that some people have experienced a decrease in credited rates for self-generation sent back to the gr...
by C8H18Engineer
Wed Oct 09, 2013 2:32 pm
 
Forum: Personal Consumer Issues
Topic: [Considering solar power] - How do these #s look?
Replies: 32
Views: 2201

Re: Hedging bond holdings

I wrote it into my IPS to specifically avoid using leverage or inverse instruments. These are typically the devices used by day traders, not investors. The way some of these inverses are structured they "reset" each day, and therefore don't track the inverse of the targeted securities over...
by C8H18Engineer
Tue Oct 08, 2013 2:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Hedging bond holdings
Replies: 6
Views: 410

Re: Boglehead astronomy

I got the Meade tripod, which works well enough. When it's just me, I usually go with a low position and use a chair for longer viewing. The high position is good for with a group of friends who want to walk up to the scope for a look. Would have been nice if they added a level indicator. If you don...
by C8H18Engineer
Tue Oct 08, 2013 11:40 am
 
Forum: Personal Consumer Issues
Topic: Boglehead astronomy
Replies: 22
Views: 1647

Re: Boglehead astronomy

I have the Meade ETX-125 with Autostar 497 controller and have enjoyed it for several years. It came with a bonus set of 7 eyepieces in a nice carrying case, I found it also especially useful that you could download and burn new firmware updates - last one really improved the tracking control noise....
by C8H18Engineer
Tue Oct 08, 2013 9:59 am
 
Forum: Personal Consumer Issues
Topic: Boglehead astronomy
Replies: 22
Views: 1647

Re: Bogle - Swap Treasuries for Corporates

I put these two up on Mornigstar's 10-year performance charts and looks like the corporate-heavy VFICX has inched a few bits ahead of total bond market in the past 10 years. I agree there is appears to have been higher volatility in corporates. For me it is a matter of balance - I think I want a low...
by C8H18Engineer
Thu Oct 03, 2013 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bogle - Swap Treasuries for Corporates
Replies: 59
Views: 6086

Re: Bogle - Swap Treasuries for Corporates

Yes, I have been thinking to go with VFICX (intermediate term investment grade) for new bond positions, possibly even re-balance in the IRA's to get a bit further away from treasuries.
by C8H18Engineer
Thu Oct 03, 2013 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Bogle - Swap Treasuries for Corporates
Replies: 59
Views: 6086

Re: To rollover or not to rollover 401k?

Ed Slott's book "The Retirement Savings Time Bomb" gives some good pointers on why you might want to roll it to an IRA or into the new plan being offered. I would wait to see if the new plan offers something better than a self-managed IRA at Vanguard.
by C8H18Engineer
Mon Sep 30, 2013 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401k - please help w diversification of total portfolio
Replies: 15
Views: 1065

Re: REIT versus further simplification

In my IPS I have this at 6.7% until I am age 55, at which time I am not willing to accept the higher volatility for the expected return. At that time I will ease the REIT tilt out of the allocations.
by C8H18Engineer
Mon Sep 30, 2013 10:53 am
 
Forum: Investing - Help with Personal Investments
Topic: REIT versus further simplification
Replies: 5
Views: 676
Next

Return to advanced search