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Re: Vanguard sued for charging too little

ASUGrad, I may be wrong but I don't think the funds themselves have any employees. AIUI, the people who do all the day to day management of the funds are employed by Vanguard.
by Iorek
Wed Jul 30, 2014 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 113
Views: 11183

Re: help me sell my i series bonds

Here's an algorithm to help in answering this type of question, manuvns: ⋅ Enter I Bonds one year or older into my I Bond Portfolio Calculator . (To simplify the display, in your case I combined ones with the same purchase month.) ⋅ Run the macro to compute the redemption values...
by Iorek
Wed Jul 30, 2014 10:08 am
 
Forum: Investing - Help with Personal Investments
Topic: help me sell my i series bonds
Replies: 3
Views: 638

Re: Stocks: losing money for 20-30 years not uncommon

Am I reading the chart wrong? It looks like the US worst case for 20 years was not loss, as the OP suggests, but a 19% gain?
by Iorek
Tue Jul 29, 2014 10:53 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: losing money for 20-30 years not uncommon
Replies: 43
Views: 3916

Re: Was ready to pull plug on Janus..until

Janus-- that's a blast from the past. I have to say in the 1990s I did very well with them, but not so much post-2000. I am a total buy and hold investor but they were one of the first and only investments I ever sold, because I lost confidence in how they made investment decisions. Anyway, there ar...
by Iorek
Tue Jul 29, 2014 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Was ready to pull plug on Janus..until
Replies: 66
Views: 3818

Re: Bank accounts: POD or Trust?

I would do POD if you want it passing outside the will (or rely on the terms of the will to put the money into trust if you don't want it going to minors).
by Iorek
Tue Jul 29, 2014 3:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bank accounts: POD or Trust?
Replies: 2
Views: 415

Re: Annuities and asset allocation

I think the issue is very similar to the question of how to treat SS, so while there may be reasons to differ on how to treat SS for purposes of AA, I can't really think of a reason to treat an annuity differently from how you treat SS for purposes of AA?
by Iorek
Mon Jul 28, 2014 2:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Annuities and asset allocation
Replies: 32
Views: 1473

Re: I see a place

where they call it the War of Northern Aggression. A rose by any other name is still helping out a fellow man. Anyone can call it what they will I guess but it's not a good habit to say things that are stupid. Times and people change ... But they change slower in some parts of the country than othe...
by Iorek
Mon Jul 28, 2014 10:24 am
 
Forum: Personal Consumer Issues
Topic: Mecklenburg County, VA
Replies: 9
Views: 783

Re: Tips for incorpating a charity

I used to know some tax lawyers at a large firm who would semi-regularly do 501(c)(3) applications as a pro bono (free) service to charities.
by Iorek
Mon Jul 28, 2014 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Tips for incorpating a charity
Replies: 10
Views: 500

Re: Kitchen Remodel... Or Not?

My initial thought was go for it - enjoy it, but a $70k kitchen remodel on a $250,000 home took me aback. If having a spectatular kitchen is worth it to you, I guess that's okay, but know that if you sold the place afterwards, you probably wouldn't get a third of that back. JT I admit I had somewha...
by Iorek
Mon Jul 28, 2014 9:48 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2771

Re: Kitchen Remodel... Or Not?

I have started to realize that when we move out of our house, which hopefully won't be for 25-30+ years, it will be a tear down. Makes me a little sad to think about but I guess on other hand we don't have to worry about whether people like our decorating decisions. ;) I think longtimelurker gave so...
by Iorek
Mon Jul 28, 2014 8:53 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2771

Re: Mutual fund account with Vanguard or MerrillEdge?

FYI, in case anyone did not mention this, is that ML probably has a fee for closing your account, so you might want to factor that into your calculations.
by Iorek
Fri Jul 25, 2014 4:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: Mutual fund account with Vanguard or MerrillEdge?
Replies: 31
Views: 1258

Re: i bonds or EE bonds?

Which savings bond will give better return for the next 20 years?Which also means will inflation be over 4% on average over the next 20 year period? Remember EE bonds have guaranteed 20 year return John This was the OP. There's nothing there about choosing equity instead, or holding your savings bo...
by Iorek
Fri Jul 25, 2014 10:05 am
 
Forum: Investing - Theory, News & General
Topic: i bonds or EE bonds?
Replies: 46
Views: 6013

Re: Seeking sample retirement portfolios

I like this post ("150 portfolios better than yours") from EmergDoc.
by Iorek
Fri Jul 25, 2014 9:12 am
 
Forum: Investing - Help with Personal Investments
Topic: Seeking sample retirement portfolios
Replies: 13
Views: 1329

Re: Just purchased a condo. Insurance question

FWIW, when I lived in a condo I bought my HO-6 from the same company that the condo ass'n used for its insurance because I figured that way there would never be an argument between companies as to which policy should cover damage.
by Iorek
Sat Jul 19, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Just purchased a condo. Insurance question
Replies: 10
Views: 940

Re: [Poll] % of 3 funds in your financial asset portfolio?

I counted ibonds as not part of the total, but not in 3-fund. Is that "right"?
by Iorek
Fri Jul 18, 2014 3:03 pm
 
Forum: Investing - Theory, News & General
Topic: [Poll] % of 3 funds in your financial asset portfolio?
Replies: 31
Views: 1690

Re: I-Bonds: Physical or Digital?

If you poke around this is discussed occasionally and I think it's fair to say it's a matter of personal preference but the differences are pretty minor. I converted mine because I thought they would be easier to manage and not to lose, esp. since the majority of our bonds are electronic, but some p...
by Iorek
Fri Jul 18, 2014 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: I-Bonds: Physical or Digital?
Replies: 5
Views: 630

Re: Withdraw from 529 or FL Prepaid for tuition by grandpare

My grandson is starting college this fall, would it be better to pay the school tuition from the Fl Prepaid account or his 529 plan. Does it even matter? he is going to college not a university and his prepaid plan covers university prices so he should have excess funds. He is hoping to go to a uni...
by Iorek
Tue Jul 15, 2014 2:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Withdraw from 529 or FL Prepaid for tuition by grandparent
Replies: 3
Views: 416

Re: POLL: Emerging Markets Tilt

I'd be curious if there was a poll option for underweighting emerging markets (which I do, but as much or more because of available investment vehicles in my retirement accounts as any philosophical decision).
by Iorek
Tue Jul 15, 2014 10:02 am
 
Forum: Investing - Help with Personal Investments
Topic: POLL: Emerging Markets Tilt
Replies: 12
Views: 755

Re: Estate planning book?

I think the Nolo Willmaker book is a good overview for wills and estates (even for people not using it as DIY will). The Willmaker I know is not a book; it is a computer program. Willmaker is made by Quicken, although Nolo attorneys are involved in providing legal advice: Quicken WillMaker Plus is ...
by Iorek
Tue Jul 15, 2014 9:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1245

Re: Estate planning book?

I think the Nolo Willmaker book is a good overview for wills and estates (even for people not using it as DIY will).
by Iorek
Tue Jul 15, 2014 8:58 am
 
Forum: Personal Finance (Not Investing)
Topic: Estate planning book?
Replies: 12
Views: 1245

Re: If you had $100K how would you invest it?

If it was me, I would probably use some of the money to convert the traditional IRA to Roth, once your taxable income is lower (which also gives you the option of a backdoor Roth). I would probably also start putting 10k a year into ibonds, and keep the rest of the money in an internet bank for a ye...
by Iorek
Tue Jul 15, 2014 8:32 am
 
Forum: Investing - Help with Personal Investments
Topic: If you had $100K how would you invest it?
Replies: 10
Views: 2219

Re: Family cabin planning

I know a family with a similar situation and I think at some point some cousins simply bought out the other cousins because it was unworkable. I suppose you could also put it into some kind of trust or corporate form and then give people shares of that, but I don't know how practical that is over th...
by Iorek
Fri Jul 11, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Family cabin [Estate] planning
Replies: 25
Views: 1986

Re: Take the money and run? (Pension Buyout Offer)

Is the pension insured by PBGC? If so, I might take it, although I tend to be on the conservative side and it might not be enough money to worry about.
by Iorek
Tue Jul 08, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Take the money and run? (Pension Buyout Offer)
Replies: 15
Views: 2002

Re: Is this a Wash Sale?

This may be obvious but if your existing position has unrealized gains then you don't need to worry about a wash sale.
by Iorek
Tue Jul 08, 2014 2:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is this a Wash Sale?
Replies: 10
Views: 713

Re: Kitchen Remodel - Appliance Brand/Model Recommendations

If you want dual ovens I would look at the GE-- last when we looked they had the most usable dual ovens (at least until you got to the super-expensive brands like Wolf).

FWIW we ended up with a GE range, Kitchenaid dishwasher, and LG fridge.

Agree gardenweb is very helpful.
by Iorek
Fri Jul 04, 2014 1:02 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel - Appliance Brand/Model Recommendations
Replies: 47
Views: 3161

Re: Transplant hard drive from old to a new laptop?

stevep001 wrote:The hard drive is the part of the laptop that wears out. You'd be better off migrating the disk image to a new physical drive.


+1
by Iorek
Tue Jul 01, 2014 10:40 am
 
Forum: Personal Consumer Issues
Topic: Transplant hard drive from old to a new laptop?
Replies: 16
Views: 675

Re: Vanguard Financial Plan and TSP

I wouldn't expect Vanguard CFs to know the G Fund, as it's an unusual scenario for them and that fund won't fit into their templates. So if you want the G Fund, just keep it regardless of what Vanguard recommends. I understand the G fund is unusual, but I think it's irresponsible to allow people to...
by Iorek
Tue Jun 10, 2014 10:44 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1523

Re: Retirement Planning

We recently had an influx of cash to our taxable acct, so have stopped IRA withdrawals for the rest of this year. I have added 30K in cash to taxable which we will use if necessary. Is there any way to hold that somewhere other than MM fund which charges .17%? I might be better off keeping it all i...
by Iorek
Tue Jun 10, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning
Replies: 41
Views: 4060

Re: New Happy-in-Retirement Book

I cannot believe I looked at or took the test. If you rent, have no mortgage and drive an American car (well that I won't do, a remnant from the bailout a few years ago), I think you are committed to pergatory. +1 That was a bizarre survey. It's like he had a few factoids and then figured he could ...
by Iorek
Sun Jun 08, 2014 3:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: New Happy-in-Retirement Book
Replies: 10
Views: 1296

Re: Home Mortgage question for a 60 year old

I think it would be against the law for a lender to charge higher rates based on age. Anecdotally, a relative recently got a 30 year mortgage at 70.

I have heard it is more difficult, but not impossible, to get a mortgage once you are retired.
by Iorek
Sun Jun 08, 2014 3:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Mortgage question for a 60 year old
Replies: 12
Views: 1254

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. You need to decide if/how your asset allocation will change over time. You are starting with an 80/20 stock/bond allocation which might be appropriate for someone at the beginning of ...
by Iorek
Sat Jun 07, 2014 5:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1804

Re: Expense ratio? How much difference does it make?

Admiral class components will give better results over your years of investing. But the TR funds rebalance for you. Hi, From what I've read about re-balancing, can you please tell if my understanding is correct? e.g. Today if we decide 50/30/20 for a 3-fund portfolio, then once a year, we should re...
by Iorek
Sat Jun 07, 2014 3:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense ratio? How much difference does it make?
Replies: 25
Views: 1804

Re: Vanguard Financial Plan and TSP

During the in-person consultation the planner said VG thinks of the G fund as a stable value fund, but when I pointed out that the G fund interest rate is really more comparable to an intermediate bond fund (which they were recommending we purchase) she agreed. What do you think stable value rates ...
by Iorek
Fri Jun 06, 2014 5:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1523

Vanguard Financial Plan and TSP

We went through the Vanguard Financial Plan process recently and I thought I'd mention a few things specific to feds, as I think there are a few of us on the board. I won't try to describe the whole process, as I think other posts, and especially tfb's blog posts (which I read carefully before start...
by Iorek
Fri Jun 06, 2014 3:24 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Financial Plan and TSP
Replies: 15
Views: 1523

Re: Checking account instead of savings account?

I have similar issues. One thing I've tried is having a round floor of say, $5,000, in the checking account, and try and train myself not to think of that $5k as "available". I do keep some money in a separate online account, because I like having that to fall back, esp. when the interest ...
by Iorek
Sat May 31, 2014 2:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Checking account instead of savings account?
Replies: 11
Views: 1330

Re: Difficulty opening Treasury Direct account

... Does Treasury Direct use one of the credit bureaus (Equifax, Experian, Transunion) to verify identity with their online application? Yes, at least it used to be Experian. That would seem a little odd since they could just use their own IRS, and they have lots of tax records on me. Congress lega...
by Iorek
Sat May 31, 2014 10:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Difficulty opening Treasury Direct account
Replies: 15
Views: 1270

Re: Do assets help with mortgage rates?

I've actually had the bank take retirement accounts off the application because if you don't need them to qualify it's just more documentation to produce/process. But in reality I wonder if those two people would have identical credit scores.
by Iorek
Thu May 29, 2014 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do assets help with mortgage rates?
Replies: 11
Views: 1147

Re: Bonds - Throw it all on the table!!!

These arguments all make me feel better about roughly replicating our asset allocation across our different accounts (although I recognize that is probably the opposite of the intended effect).
by Iorek
Wed May 28, 2014 9:29 pm
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14832

Re: Bonds - Throw it all on the table!!!

I was advised to dump VAIPX TIPS during my Vanguard portfolio review at the beginning of last year. I didn't. In hindsight, it turned out to be good advice, but I stuck to my original plan. (which was vetted on this very forum) :wink: That is interesting. I have read a few threads lately where Bogl...
by Iorek
Mon May 26, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Bonds - Throw it all on the table!!!
Replies: 135
Views: 14832

Re: Cost basis of stock gifts using the lifetime exclusion

Wouldn't person A rather pay LTCG tax than gift tax, and gift the proceeds? By giving the stock he pays neither gift nor capital gains tax. Perhaps the donee is in a lower tax bracket or has no plans to sell the asset. Bruce Sorry-- that comment was directed at the question of whether the basis wou...
by Iorek
Fri May 23, 2014 12:22 pm
 
Forum: Investing - Theory, News & General
Topic: Cost basis of stock gifts using the lifetime exclusion
Replies: 11
Views: 625

Re: Cost basis of stock gifts using the lifetime exclusion

Wouldn't person A rather pay LTCG tax than gift tax, and gift the proceeds?
by Iorek
Fri May 23, 2014 11:54 am
 
Forum: Investing - Theory, News & General
Topic: Cost basis of stock gifts using the lifetime exclusion
Replies: 11
Views: 625

Re: New Hampshire Tourism

One thing I would say is that it's a small state but aside from the highways (89, 91, and 93) it can be hard/slow to get around. There is a great amusement park for young kids (say ages 5-8) called Storyland near the White Mountains, so you could combine a visit there with one to Mount Washington (o...
by Iorek
Thu May 22, 2014 7:24 pm
 
Forum: Personal Consumer Issues
Topic: New Hampshire Tourism
Replies: 8
Views: 551

Re: Seeking a pre paid mobil plan for a visit to the UK

I think T-mobile has free roaming to the UK, so another option would be to get a t-mobile SIM card and sign up for a month with them.
by Iorek
Wed May 21, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: Seeking a pre paid mobil plan for a visit to the UK
Replies: 12
Views: 507

Re: Life insurance term length

I'm not an insurance agent but my understanding is that 20 years of 20 year level term is almost always going to be cheaper than 20 years of 10 year renewable term-- the insurance companies make a decent margin off people who drop their insurance policy early but if you don't you'll be better off ge...
by Iorek
Tue May 20, 2014 8:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance term length
Replies: 2
Views: 204

Re: Emergency Fund Revisited

Like some others, we have about $15k in a bank account (that pays about .5-1%), for short-term spikes in spending (such as planned or unplanned home improvement), plus money in i-bonds. There are more ibonds than needed for an emergency fund, so I used to mentally segregate the ibonds into emergency...
by Iorek
Tue May 20, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Emergency Fund Revisited
Replies: 24
Views: 1845

Re: advice regarding hard to find HVAC freon leak

I had an older system, so not really the same, but when I had a leak I ended up concluding it wasn't worth trying to find it-- was going to cost too much and might not do much good vs. simply replacing it.
by Iorek
Mon May 19, 2014 5:50 pm
 
Forum: Personal Consumer Issues
Topic: advice regarding hard to find HVAC freon leak
Replies: 50
Views: 2798

Re: Where to Allocate 10K Right Now

joer1212 wrote:Both indexes seem very expensive, but the alternative (leaving that money in cash earning virtually nothing) is probably even worse.



You know you are a boglehead when you read this and think "but with 10k you could get admiral shares, so the ER would really be very low" :oops:
by Iorek
Mon May 19, 2014 5:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to Allocate 10K Right Now
Replies: 32
Views: 1858

Re: Do you own / have you owned a Chevrolet Volt?

Bought my Volt this week too. I sold the Nissan LEAF for the Volt. Never thought I would buy a car from Chevy but the Volt convinces me. In fact there was a report that the Volt is bringing Chevy many new customers -- nearly 7 out of 10 Volt customers are new to the brand. Not sidetrack the thread,...
by Iorek
Fri May 16, 2014 2:01 pm
 
Forum: Personal Consumer Issues
Topic: Do you own / have you owned a Chevrolet Volt?
Replies: 39
Views: 4464

Re: Consumption smoothing of retirement

I think it's an interesting discussion, but I agree with those who say it fails to take into consideration the reality of many people's working world. I know plenty of working people who be happy to go part-time, or take a year or three off to have kids, but they can't because employers don't percei...
by Iorek
Fri May 16, 2014 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: Consumption smoothing of retirement
Replies: 23
Views: 2259

Re: why do investors keep buying actively managed funds?

I think the real question is why do employer-sponsored plans, where there is presumably someone with knowledge and a fiduciary duty, still offer managed funds, particularly high expense ones. The Johnson family and others have gotten hugely wealthy at the expense of the retirement security of workin...
by Iorek
Thu May 15, 2014 8:59 am
 
Forum: Investing - Theory, News & General
Topic: why do investors keep buying actively managed funds?
Replies: 104
Views: 7109
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