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Re: Vanguard website has Yellow Triangle over lock

Correct Chrome is flagging people using poor SSL certificates.

Image
by JamesSFO
Fri Jan 30, 2015 11:30 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 10
Views: 328

Barry Ritholtz - Breaking with Bogle

Source: http://www.bloombergview.com/articles/2015-01-30/jack-bogle-vanguard-s-passive-investing-strategy-needs-updating Breaking With Bogle 2 JAN 30, 2015 10:38 AM EST By Barry Ritholtz Now before I commit blasphemy, a few words: I am as close to being a Boglehead as you will find, without actually...
by JamesSFO
Fri Jan 30, 2015 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Barry Ritholtz - Breaking with Bogle
Replies: 3
Views: 280

Re: Your Minimum Annual Expenses

This is one situation where I'm really grateful to having paid off the mortgage (used to be $2500/month) but when I still had it and lost my job in 2008/09 mess through about 2011, the answer was about $5K month (2.5K of which was the mortgage; $0.3 to 0.4K the HOA dues which includes trash hauling,...
by JamesSFO
Fri Jan 30, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Your Minimum Annual Expenses
Replies: 20
Views: 1791

Re: Wiki comments requested: The importance of asset allocat

I personally like the second one as I think the work "insignificant" is tough to defend in the first one. While I agree that in the context of choosing an AA using a simple 3-fund approach this is likely correct, I'm not sure the same can be said if someone was way out there on their inve...
by JamesSFO
Fri Jan 30, 2015 8:26 am
 
Forum: Investing - Theory, News & General
Topic: Wiki comments requested: The importance of asset allocation
Replies: 46
Views: 1235

Re: 2.875% mortgage pay-off financially justifiable?

Overall likelihood of regretting paying off the mortgage early is low; psychological/emotional/behavioral satisfaction is high. Financial results seem to be neutral to ok.
by JamesSFO
Thu Jan 29, 2015 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: 2.875% mortgage pay-off financially justifiable?
Replies: 25
Views: 1945

Re: Boglehead Fitbit group

Joined.
by JamesSFO
Wed Jan 28, 2015 11:24 am
 
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Fitbit group
Replies: 25
Views: 1598

Re: Payoff Mortgage with investments in taxable accounts

Prior post from OP is this thread: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=156236&p=2343565#p2343565 Hello All - Love the site and curious to know your thoughts on this scenario... $42k sitting in money market account 1 car loan - $17.5k @ 2.09% 1 HELOC loan - $15.5 @ 2.99% Prim...
by JamesSFO
Tue Jan 27, 2015 8:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Payoff Mortgage with investments in taxable accounts
Replies: 22
Views: 1621

Re: Where to hold $ for less than 1 year

If you are over the $250K limit, Jill on Money had the guy from max my interest (https://www.maxmyinterest.com/) on the other week and they will shuffle money between accounts for 0.08% or some such. Haven't tried, but it looks potentially interesting if the $250K FDIC limit is of concern.
by JamesSFO
Tue Jan 27, 2015 3:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to hold $ for less than 1 year
Replies: 4
Views: 703

Re: Vanguard Flagship Service Experience

I think the thing to remember is that Flagship representatives are fundamentally still customer service representatives (CSRs) not investment advisors or (certified) financial planners. They have the advantage of generally being more senior, having a dedicated list of clients they focus on, and what...
by JamesSFO
Tue Jan 27, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Flagship Service Experience
Replies: 12
Views: 2287

Re: Do any young investors use Only fixed income?

100% of my 401k is in bonds and will continue to be invested in bonds this year and I am 27. It is only 12% of my portfolio though. I believe I read somewhere on the wiki 401k is the best place to hold them bc of the lower expected returns (lower taxes) Highest risk funds are in the Roth (REIT and ...
by JamesSFO
Tue Jan 27, 2015 8:13 am
 
Forum: Investing - Theory, News & General
Topic: Do any young investors use Only fixed income?
Replies: 35
Views: 3237

Re: Fidelity Cent Invt Portfolios: what is it?

Thanks for the various links. "Interesting concept" sums it up well. It would be great if one of you guys who have Jack Bogle on speed-dial would get his opinion of these central funds ;o). If you want the straight dope on these things, he's the guy that can provide a no-nonsense view. My...
by JamesSFO
Mon Jan 26, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Cent Invt Portfolios: what is it?
Replies: 6
Views: 641

Re: Fidelity Cent Invt Portfolios: what is it?

Here's a morningstar forum thread from a few years back about the central funds: http://socialize.morningstar.com/NewSoc ... 13548.aspx

Interesting concept.
by JamesSFO
Sun Jan 25, 2015 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Cent Invt Portfolios: what is it?
Replies: 6
Views: 641

Re: Mutual Fund Breakdown

Hello All - Trying to better understand the funds I'm invested in, specifically the total stock market fund. Someone posted on here last week that the total market fund was equivalent to 3-parts (or was it 4-parts?) S&P 500 plus 1-part extended market. Is there anything concrete to back that up...
by JamesSFO
Sun Jan 25, 2015 10:32 pm
 
Forum: Investing - Theory, News & General
Topic: Mutual Fund Breakdown
Replies: 3
Views: 270

Re: Vanguard Brokerage or Mutual Funds?

Could this have anything to do with a drive to increase securities available for lending purposes? I understand that a margin account includes automatic authorization to allow your broker to engage in securities lending and to receive payment for order flow to generate income. Perhaps this ability ...
by JamesSFO
Fri Jan 23, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2183

Re: Vanguard Brokerage or Mutual Funds?

Here's another potential downside. It seems that brokerage IRAs cannot be converted online to brokerage Roth IRAs "at this time". Mutual Fund IRAs can be converted online to Mutual Fund Roth IRAs. I don't know why not, and Vanguard doesn't explain the discrepancy. I am standing pat for no...
by JamesSFO
Fri Jan 23, 2015 9:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 24
Views: 2183

Re: SF Bay Area Living Trust Attorney Recommendation

I've used Lynn Stutz in Campbell CA -- she's basically adjacent to San Jose, let me know if you need more details.
by JamesSFO
Thu Jan 22, 2015 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: SF Bay Area Living Trust Attorney Recommendation
Replies: 16
Views: 856

Re: Likelihood of Admiral shares for the Target Retirement F

anil686 wrote:So in summary, there is a cost difference but it does not matter much - not nearly as much as how/when you rebalance


To which I come back to, using the target retirement funds (or life strategy) (whether in taxable or not) may occasionally be suboptimal but it is darn good choice.
by JamesSFO
Thu Jan 22, 2015 5:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2212

Re: Cost basis method on withdrawals taxable

I think the tax records thing was a much bigger issue when you had to do it all yourself. The likelihood is that ALL of your lots are covered lots and if you pick specific ID you will be easily able to pick which lots to sell from a nice user interface at the broker at the time of the sell order.
by JamesSFO
Thu Jan 22, 2015 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Cost basis method on withdrawals taxable
Replies: 4
Views: 292

Re: Likelihood of Admiral shares for the Target Retirement F

I am 100% invested in vanguard target date 2060. If I was to run a 3 fund portfolio what's the difference between expense ratios? I think I remember reading for 100k it was around a $100 year difference. Is that still the case or am I mistaken? If you have $100K in TR2060, your ER is 0.18% or $180 ...
by JamesSFO
Thu Jan 22, 2015 11:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2212

Re: Likelihood of Admiral shares for the Target Retirement F

IMO using balanced or target funds in a taxable account is a bad mistake.... I would be using tax efficient stock funds in taxable accounts and balance out in tax deferred/roth accounts. I would suggest completely avoiding the so called tax managed funds Vanguard offer due to their lack of commitme...
by JamesSFO
Thu Jan 22, 2015 11:51 am
 
Forum: Investing - Help with Personal Investments
Topic: Likelihood of Admiral shares for the Target Retirement Funds
Replies: 20
Views: 2212

Re: Which of 7 cost-basis methods? (Poll)

My thought was that Loss/Gain Utilization (LGUT) essentially mirrored the thinking that someone would generally follow with Specific ID, but was basically automated, as opposed to Specific ID, where you would have to make the decision yourself. True, Specific ID would give you the most flexibility,...
by JamesSFO
Tue Jan 20, 2015 12:00 pm
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 876

Re: Which of 7 cost-basis methods? (Poll)

ACST and SLID are really the only two distinct choices, the others are just computer assisted SLID...
by JamesSFO
Tue Jan 20, 2015 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Which of 7 cost-basis methods? (Poll)
Replies: 11
Views: 876

Re: If your networth is over $3 million, how did you do it?

Intriguing thread, I think there is that mixture of luck, seizing the luck, and skill. Still in progress here.
by JamesSFO
Mon Jan 19, 2015 10:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: If your networth is over $3 million, how did you do it?
Replies: 301
Views: 46210

Re: The DOW: An Index I Love to Hate

Ironically because the DJIA is an equal weight index and because of changes to composition it is not all that easy to compute by hand any more (weird ratios for sum of prices). See https://en.wikipedia.org/wiki/Dow_Jones_Industrial_Average#Calculation and "...[p]resently, every $1 change in pri...
by JamesSFO
Mon Jan 19, 2015 8:41 am
 
Forum: Investing - Theory, News & General
Topic: The DOW: An Index I Love to Hate
Replies: 27
Views: 1942

Re: Concentration of ETF Issuers

ETFs are indexed. Index investments are commodities and the big providers are going to get efficiencies from scale. Makes sense that there can't be 20 different Walmarts. About 3 plus some niche players makes sense. Now for active managers it makes sense there would be a bunch of boutique mutual fu...
by JamesSFO
Mon Jan 19, 2015 8:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Suze Orman: $100 into $860k, and cfiresim

So Suze is now saying 11%?!? Shame on her, usually she's less crazy than Ramsey.
by JamesSFO
Sun Jan 18, 2015 10:11 pm
 
Forum: Investing - Theory, News & General
Topic: Suze Orman: $100 into $860k, and cfiresim
Replies: 47
Views: 5125

Re: Concentration of ETF Issuers

Mr. Digweed wrote:Too big to fail?


Or some thing...
by JamesSFO
Sun Jan 18, 2015 10:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Vanguard VDC fees

You might get more responses if you EDIT your original post and subject and spell out the fund names, VDC (Consumer Staples ETF) and VGENX (Energy Fund Investor Shares) are not that commonly held. I for one do wonder why you think consumer staples would "balance out" the energy fund... but...
by JamesSFO
Sun Jan 18, 2015 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard VDC fees
Replies: 5
Views: 639

Concentration of ETF Issuers

I find the ETF league table (http://www.etf.com/sections/etf-league-tables/etf-league-table-jan-15-2015) fascinating in that it suggests that the top 3 issuers of ETFs (BlackRock iShares, State Street, and Vanguard have >80% of ETF AUMs and the top 10 have 95%). That's amazingly concentrated compare...
by JamesSFO
Sun Jan 18, 2015 11:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Concentration of ETF Issuers
Replies: 4
Views: 475

Re: Amex Fidelity CC 2% Cash Back

I've had issues with the Fidelity card. Today, they denied 2 charges, one at Costco so had to cancel the gas purchase and the other at a drug store. In the past, they've denied charges when I'm in another city. So I called and the Fidelity fraud dept said they needed to verify the charges, so I ask...
by JamesSFO
Sun Jan 18, 2015 11:01 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5978

Re: garbage disposals - are these still used?

It's regional/cultural whether to have them, we have one wouldn't live without one.
by JamesSFO
Sat Jan 17, 2015 1:49 pm
 
Forum: Personal Consumer Issues
Topic: garbage disposals - are these still used?
Replies: 52
Views: 3681

Re: Amex Fidelity CC 2% Cash Back

Interesting...Both of the cards automatically deposit into our Fido 529. Maybe I need to ask again. I checked with FIA several years ago and was told with the VISA I need to watch and move manually. It does seem with both being FIA that VISA should have the same feature. I have both and both can au...
by JamesSFO
Thu Jan 15, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5978

Re: Merrill Lynch or Vanguard

If you want to use the funds in 2 years, I feel you should stay out of the market. Of all the replies to the OP, this is the BEST advice of all. Someone with only a 2 year time horizon should not be in the market. The OP should just buy a CD and let it go at that; or, if he could buy a zero-coupon ...
by JamesSFO
Thu Jan 15, 2015 8:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3217

Re: Options for moving our pets across country

I flew two cats across the country no problem, I was a basket case and they had to go in the "cargo hold" but within about 24 hours they were fine and went on to live excellent lives for many years. Well, er, this sounds very much like this experience of your's was many years ago. Since y...
by JamesSFO
Thu Jan 15, 2015 8:35 am
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2447

Re: Rick Ferri looking to internationalize his portfolio

Like I said, I go with actively managed mutual funds. I've owned OAKIX, DODFX, and others. All the ones I owned over the last 19 years outperformed VXUS/VGTSX significantly. The Ex-US index funds underperformed actively managed funds over long periods of times and throughout multiple cycles. I don'...
by JamesSFO
Thu Jan 15, 2015 8:33 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 228
Views: 25957

Re: Options for moving our pets across country

I'll just say I've never known an animal to fly and not be traumatized by the experience. They can be totally different after the experience. I flew two cats across the country no problem, I was a basket case and they had to go in the "cargo hold" but within about 24 hours they were fine ...
by JamesSFO
Wed Jan 14, 2015 11:25 pm
 
Forum: Personal Consumer Issues
Topic: Options for moving our pets across country
Replies: 47
Views: 2447

Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

I remember that thread. I was the one (maybe others too) who specifically brought up the trend in ER for Admiral shares of TSM. Indeed, the data I got was from the last Annual Report--that gives you the last 5 years of ERs. I also happen to have a prospectus for TSM dated April 2006 handy (in elect...
by JamesSFO
Wed Jan 14, 2015 5:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

Strevlac wrote:Very interesting information. Thanks for digging around a bit.

Looks like the other thread went poof....I can't find it either.


My guess is the thread was hidden for moderation or some such. Either way the suggestion to look at the expenses in that thread was good.
by JamesSFO
Wed Jan 14, 2015 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

Fixing a math/excel error pointed out:

Image

Basically I had a formula wrong in the 2013 expenses I was using the 2008 shared expenses.


Excel up: https://drive.google.com/folderview?id= ... sp=sharing
by JamesSFO
Wed Jan 14, 2015 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Re: Expense Ratios Comparison Total Stock 2008 vs. 2013

Amazing job! I highly appreciate it. I wonder why Management and admin fees have scaled up a bit for investor class shares. 2008: $59 MM/ $74.5 MM = 79.2% 2013: $135.5 MM/ $154 MM = 88% It is opposite for admiral class shares Anyways these are insanely low costs when compared to AUM so not bothered...
by JamesSFO
Wed Jan 14, 2015 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Expense Ratios Comparison Total Stock 2008 vs. 2013

I would swear there was a thread asking about expense ratios for VG funds as inflows grew but I'm not finding it, someone suggested comparing the annual reports. Did just that, 12/31/2008 vs. 12/31/2013 for VG Total Stock Market: http://i62.tinypic.com/25uimo3.jpg (PM me if you want in Excel format)...
by JamesSFO
Wed Jan 14, 2015 2:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Expense Ratios Comparison Total Stock 2008 vs. 2013
Replies: 9
Views: 805

Re: Amex Fidelity CC 2% Cash Back

No downsides, no annual fees. Now has Chip and Signature.

Only remote downside is there is a foreign transaction fee.
by JamesSFO
Wed Jan 14, 2015 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Amex Fidelity CC 2% Cash Back
Replies: 60
Views: 5978

Bond Market Surprises Article

Source: http://www.blackrockblog.com/2015/01/14/bond-market-surprises-lessons-learned/ From Blackrock, headline Bond Market Surprises and Lessons Learned While interest rate movements in 2014 may not have aligned with expectations, Matt Tucker provides some key takeaways investors need to know. And ...
by JamesSFO
Wed Jan 14, 2015 10:31 am
 
Forum: Investing - Theory, News & General
Topic: Bond Market Surprises Article
Replies: 0
Views: 360

Re: Merrill Lynch or Vanguard

I have a Bank of America checking account so I thought it would be convenient for me to open an acct with Merill Edge. I had no investment experience, so with a minimum investment they said I would be assigned a "Financial Advisor". I made the appointment, spoke to him about my current fi...
by JamesSFO
Tue Jan 13, 2015 12:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3217

Re: Merrill Lynch or Vanguard

...This coming Friday, I will be sitting down with the salesperson and he will go over which funds he will recommend. I also plan to start a Roth IRA within the next few weeks with Vangaurd, contributing the max $11k ($5.5k for 2014 and $5.5k for 2015). ... I don't feel comfortable managing it myse...
by JamesSFO
Tue Jan 13, 2015 9:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Merrill Lynch or Vanguard
Replies: 48
Views: 3217

Re: How to handle defaulted debts and current student loans?

Another thing to keep in mind from a tax filing status is claiming your student loan interest deduction to your AGI. IIRC you can do it single or you can do it married filing jointly but I know you can't do it married filing separately. I am not sure about head of household. If I were in your shoes...
by JamesSFO
Tue Jan 13, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: How to handle defaulted debts and current student loans?
Replies: 59
Views: 2681

Re: Fidelity Intermediate Tax Exempt

Either take the Fido fund or open a VG account. Or wait a bit for the VG ETF that is Tax Exempt bond coming in late Q1 or use the iShares ETF (MUB I think) which is likely free or $7.95.

EDIT: MUB is free at Fidelity - https://www.fidelity.com/etfs/ishares
by JamesSFO
Mon Jan 12, 2015 2:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity Intermediate Tax Exempt
Replies: 10
Views: 645

Re: boglehead workout

NYTimes 7 minute workout - http://well.blogs.nytimes.com/2013/05/0 ... kout/?_r=0

There is an App for it too I believe.
by JamesSFO
Sun Jan 11, 2015 3:52 pm
 
Forum: Personal Consumer Issues
Topic: boglehead workout
Replies: 39
Views: 4533

Re: Alternatives to Target or LifeStrategy in Taxable Accoun

I do wonder sometimes if folks here let the perfect be the enemy of the good, the LS/TR funds are not perfect for taxable, but for someone who doesn't want to spend ~60 minutes a year on their investments they are really good, small tax inefficiencies ::shrug::, small extra expense ratio vs. admiral...
by JamesSFO
Sun Jan 11, 2015 9:59 am
 
Forum: Investing - Help with Personal Investments
Topic: Alternatives to Target or LifeStrategy in Taxable Accounts?
Replies: 13
Views: 1154
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