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Re: Vanguard's Automated Recommendations...whatcha think?

VTSMX 56% VGTSX 24% VBMFX 16% VTIBX 4% Cheap. Simple. Stress-free. Looks great. I got "The Coffee House Investor" today. Is this one a good one to start with. Need your recommendations then...If i go with either a single fund or a 3/4 fund approach, since I am not adding to these funds re...
by Kernschatten
Fri Oct 25, 2013 2:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Advisor Unhappiness...it seems easy but...
Replies: 64
Views: 6207

Re: Permanenr email address

.... email accounts from Hotmail... Hotmail is no more and has been re-branded as Outlook. So long as you have an up-to-date browser, I recommend Gmail. I found it to be a bit strange at first. I paid for email before and not having folders to sort email through me off until I understood their labe...
by Kernschatten
Wed Apr 10, 2013 4:31 am
 
Forum: Personal Consumer Issues
Topic: Permanent email address
Replies: 45
Views: 3481

Re: Wedding band durability & long-term costs- gold vs plati

Cobalt chrome, stainless steel, tungsten , titanium, and palladium are all hypoallergenic, silvery, durable, and much cheaper than gold/platinum. I would advise staying away from tungsten. I heard stories of issues with the metal as a ring, but thought I could make mine last. It lasted about 2 year...
by Kernschatten
Thu Apr 04, 2013 5:38 am
 
Forum: Personal Consumer Issues
Topic: Wedding band durability & long-term costs- gold vs platinum?
Replies: 40
Views: 2305

Re: House facing direction and Solar heat

Speaking as a weather forecaster, Valuethinker nailed all angles of it. There are some really high spec standard units out there (the Germans are very good at this, although I do not know if they understand hot damp climates). They seem to understand reasonably well... but not well enough to want A/...
by Kernschatten
Wed Apr 03, 2013 5:50 am
 
Forum: Personal Consumer Issues
Topic: House facing direction and Solar heat
Replies: 49
Views: 2512

Re: Vanguard 529

I agree and suspect it is the same as my experience with USAA (will likely move it to Vanguard soon now that other assets have finished moving).

You can see the market value from your primary screen, in my case USAA. To be able to make changes though, you have to log into upromise.
by Kernschatten
Wed Apr 03, 2013 5:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard 529
Replies: 6
Views: 556

Re: Barclays OnLine 1% MMA-Any Experience?

Which online banks are the easiest/quickest/cheapest to transfer funds? I'll take the highest rate but I also care about website ease of use and timely cash transfers. I feel like most of us here have stated that Barclays has been quick and easy for us to use... and cheapest? I've never paid for a ...
by Kernschatten
Mon Mar 25, 2013 12:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Barclays OnLine 1% MMA-Any Experience?
Replies: 10
Views: 2258

Re: Credit scored lowered by cancelling credit cards?

Your credit rating is a function of the ratio of credit limit to outstanding debt. If you cancel cards you reduce the limit, and that can reduce your credit score - as I understand it. This is correct, but as others have hit on, the amount of hurt is very subjective Closing your oldest credit card ...
by Kernschatten
Mon Mar 25, 2013 12:06 pm
 
Forum: Personal Consumer Issues
Topic: Credit scored lowered by cancelling credit cards?
Replies: 7
Views: 704

Re: military pay grade does a traditional IRA make good sens

At what military pay grade does a traditional IRA or TSP become more beneficial than a Roth IRA or Roth TSP ??? There is no clear cut answer, but I think retiredjg summed up most of the points regarding this. Another factor to consider is using a Trad IRA/TSP to increase tax return/earned income ta...
by Kernschatten
Wed Mar 20, 2013 1:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: military pay grade does a traditional IRA make good sense ??
Replies: 30
Views: 1714

Re: Is Vanguard compatible with Mint.com?

Just for another data point, Mint.com has all my Vanguard mutual fund information, but it does not include anything in my brokerage (stock, ETF) account. I'm not sure if that is a bug, just a problem with my account, or by design. I think you have to add the Vanguard brokerage account separately. A...
by Kernschatten
Wed Mar 20, 2013 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Is Vanguard compatible with Mint.com?
Replies: 15
Views: 2790

Re: Barclays OnLine 1% MMA-Any Experience?

Do you mean to refer to their FDIC-Insured savings account at 1.00%? I recently switched to it from ING/Capitol One. I found it reasonably easy to set-up, link to my primary checking account, and fund. Some how, I messed up my name in setting up the account and a phone call fixed it within 24hrs. I ...
by Kernschatten
Wed Mar 20, 2013 8:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Barclays OnLine 1% MMA-Any Experience?
Replies: 10
Views: 2258

Re: p2p lending (Lending Club, Prosper)

Lastly, does anyone know how Lending Club returns are taxed? Are they dividends? Capital gains? Bank interest? They will send you a 1099-OID and you’ll report it on Schedule B, Line 1. Some circumstances dictate that you receive a 1099-B or MISC. Now the tricky part... if you, like many, are invest...
by Kernschatten
Tue Mar 19, 2013 1:49 pm
 
Forum: Investing - Theory, News & General
Topic: p2p lending (Lending Club, Prosper)
Replies: 41
Views: 4141

Re: [POLL] What would you like Vanguard to change or improve

That URL doesn't seem to work for me (I get a time out error). Same thing with the other Wiki spreadsheets. Is it just me? If not can it be put at a different source? It is just you -- possibly ISP/DNS. If this happens in the future, you can double check with this: http://www.downforeveryoneorjustm...
by Kernschatten
Tue Mar 19, 2013 1:29 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6994

Re: First Time Doing Own Taxes: Troubleshooting steps in Tax

I've been filling on my own for the past decade, but I'm not a tax pro. Some of what you asked was a bit too deep and I didn't touch them. It's my first time doing my own taxes so I'm completing them in TaxAct and TurboTax to see which I like more , and to ensure I'm getting the same results. [...] ...
by Kernschatten
Tue Mar 19, 2013 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: First Time Doing Own Taxes: Troubleshooting steps in TaxAct
Replies: 4
Views: 534

Re: [POLL] What would you like Vanguard to change or improve

It's interesting that the top selection in the poll is a better Portfolio Watch. I don't really need the tool (I have my own spreadsheet), but I would like to see it improved anyway. Almost every time someone posts about Portfolio Watch, I follow up with a note about the inaccuracies, recommending ...
by Kernschatten
Mon Mar 18, 2013 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: [POLL] What would you like Vanguard to change or improve?
Replies: 92
Views: 6994

Re: How big is your tax return ?

24 including worksheets.

Next year, it should be a few less with portfolio simplification.
by Kernschatten
Mon Mar 18, 2013 12:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: How big is your tax return ?
Replies: 39
Views: 3640

Re: Father considering cashing out 401K early -- market fear

(rant on) I'll just express my frustration with people believing every rumor that comes around in email. Not just financial rumors, but crazy political rumors. What has happened to our school system today? Does no one read newspapers on the web or otherwise? How about checking information through r...
by Kernschatten
Tue Mar 12, 2013 5:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Father considering cashing out 401K early -- market fear

STC wrote:Here is what I would write:
[snip]
Great talking points, thank you.
by Kernschatten
Tue Mar 12, 2013 3:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Father considering cashing out 401K early -- market fear

FireProof wrote:Peope on this forum have FATHERS who are younger than 59?

Yes, hello! Late 20s, no debt, taxable income never exceeds 30K, low six-figure net worth, and future multi-millionaire if everything goes smoothly. :wink:
by Kernschatten
Tue Mar 12, 2013 3:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Father considering cashing out 401K early -- market fear

What is his stock allocation, actually? Maybe what he is saying, even if he doesn't know it, is that it is too high for his risk tolerance. Making a huge sudden change downward doesn't seem like a good idea, but maybe reducing stock allocation is--and it's hard to argue that this is an obviously ba...
by Kernschatten
Tue Mar 12, 2013 2:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Father considering cashing out 401K early -- market fear

His comment about Printing Money indicates a disconnect. That's usually one thing behind high INFLATION. And that's NOT what we have this decade. I sense a combination of misinformation and distrust. No way to fix this using a long stick, sorry... Concur. It is mostly ignorance and a little distrust.
by Kernschatten
Tue Mar 12, 2013 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Father considering cashing out 401K early -- market fear

My father is in his mid-50s. I agree with others on keeping the money in the 401k. It's not just a 10% penalty, it's all the taxes plus a 10% penalty. He could switch to a bond fund, stable value or money market within the 401k. It sounds like he's nearing retirement and is worrying about a loss tha...
by Kernschatten
Tue Mar 12, 2013 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Father considering cashing out 401K early -- market fear

I just received a message from my father speaking of withdrawing his 401k for fear of a market crash: From what I am hearing, the stock market is currently high as it is being falsely pushed up by the printing of money. At this rate, it cannot sustain itself and is due for a correction of a drop of ...
by Kernschatten
Tue Mar 12, 2013 10:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Father considering cashing out 401K early -- market fear
Replies: 34
Views: 2447

Re: Vanguard's Principles for Investing Success

Nice. How did you come upon this?

It looks like something I can use as a good reference piece when teaching coworkers some of the basics.
by Kernschatten
Wed Mar 06, 2013 1:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Principles for Investing Success
Replies: 3
Views: 490

Re: Recent bull market and changes in perception of AA

I think this is where "Staying the Course" comes into play. I've decided that "Age in Bonds" is too conservative for me. I've also decided that "Age -20" is too aggressive for me. Regardless of returns, I've assessed what levels of risk I am okay with and have chosen an...
by Kernschatten
Wed Mar 06, 2013 1:08 pm
 
Forum: Investing - Theory, News & General
Topic: Recent bull market and changes in perception of AA
Replies: 7
Views: 482

Re: Bogleheads' DRM-free e-books available?

But it also gets around something that's really unfair to consumers, which is that when they buy an ebook, it should belong to them, but it sort of doesn't. If I buy something from B&N and I don't de-DRM it, I'm out of luck if B&N goes out of business. Okay, chances are that I wasn't going ...
by Kernschatten
Wed Mar 06, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2063

Re: Bogleheads' DRM-free e-books available?

Drain wrote:So...can one mention DeDRM here? As far as I know, it's legal for personal use.
It is legal for personal use/back-up, but the ease of use for piracy is why I won't go further here.
by Kernschatten
Tue Mar 05, 2013 7:22 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2063

Re: Saving money on Smarphones

Clearly_Irrational wrote:We're on the edge of town and often head into the boondocks to do horseback riding so adequate rural coverage is an issue.
Virgin uses the Sprint network. In rural areas (where I was anyways), I was able to get a signal, just not 3G.
by Kernschatten
Tue Mar 05, 2013 5:30 pm
 
Forum: Personal Consumer Issues
Topic: Saving money on Smarphones
Replies: 21
Views: 1533

Re: Saving money on Smarphones

You aren't just getting old. That's insanely high. We had a similar bill and finally I said "no" and ditched the iPhones for PrePay smartphones: http://www.virginmobileusa.com/cell-phone-plans/beyond-talk-plans/overview/ Based on the user profiles you provided, maybe looking at $45, $45, $...
by Kernschatten
Tue Mar 05, 2013 5:03 pm
 
Forum: Personal Consumer Issues
Topic: Saving money on Smarphones
Replies: 21
Views: 1533

Re: Bogleheads' DRM-free e-books available?

Buy Once, Read Everywhere Exactly what I want to do. Will it work on Kindle? I would like to click on the Amazon link and purchase the "Bogleheads' Guides.." on Kindle so a referral fee will to go to support Bogleheads. BUT I only want to purchase once and read everywhere. What's holding ...
by Kernschatten
Tue Mar 05, 2013 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Bogleheads' DRM-free e-books available?
Replies: 18
Views: 2063

Re: Vanguards great service

1210sda wrote:There is a place called "The Chandlery" where you can buy Vanguard logo stuff.
Employee only as confirmed by Bonnie, Vanguard social media rep, on Vanguard's FB.
by Kernschatten
Tue Mar 05, 2013 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguards great service
Replies: 15
Views: 1283

Re: Advice For Young Investor Looking To Start Taxable Accou

You have emergency savings and are contributing to a 401k up to match and maxing out the Roth. Awesome. That said, why would you want a taxable investment? Why not just put more in your 401k? What is your goal here? Talk of backing out with a drop makes me think you have a purpose in mind and makes ...
by Kernschatten
Tue Mar 05, 2013 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Advice For Young Investor Looking To Start Taxable Account
Replies: 10
Views: 1338

Re: Financial leeches that are family

This situation is really concerning to me, and I can't really speak my mind because it's an in-law, not one of my relatives. Does the person being an in-law really change anything? Not so much. Family is family. Would you treat your own blood differently? If not, then you are being object and you c...
by Kernschatten
Tue Mar 05, 2013 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Financial leeches that are family
Replies: 31
Views: 4751

Re: Just found out I'm a Boglehead, now I have a question

in the meantime I'm 100% in equities (mostly S&P500 index funds), and have been since the beginning. Then I come here, and lo and behold, I keep seeing that the basic rule of thumb for bond holdings is your age in bonds. It's a good rule of thumb, but a bit conservative for me. So I guess what ...
by Kernschatten
Mon Mar 04, 2013 2:33 pm
 
Forum: Investing - Theory, News & General
Topic: Just found out I'm a Boglehead, now I have a question
Replies: 6
Views: 690

Re: Does Vanguard hide fees?

dkturner wrote:Who is Ric Edelman, and why would anyone who doesn't already know care?
Barron’s has three times named Ric Edelman the #1 Independent Financial Advisor in the Nation (2009-2010, 2012) and nine times (2004–2012) among America’s 100 top financial advisors.
So yes, what greg24 said.
by Kernschatten
Mon Mar 04, 2013 1:36 pm
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard hide fees?
Replies: 45
Views: 4134

Re: Fun Education- KhanAcademy

I've been using it for my own enjoyment and benefit for some time now. It is, in part, because I don't have the time to dedicate to an accredited class in addition to work and spending quality time with my wife and kid. I find it a little frustrating that we, as a society, are so hell-bent on credit...
by Kernschatten
Sun Mar 03, 2013 4:05 pm
 
Forum: Personal Consumer Issues
Topic: Fun Education- KhanAcademy
Replies: 20
Views: 2267

Re: new Vanguard account, can't access website

this would take several days (not sure why, seems like it could be done in 5 minutes). So it's been a week, I just called the person I spoke with before left a voicemail As I understand it, they told you that it would be several days and those several days have just past. I wouldn't focus on trying...
by Kernschatten
Sun Mar 03, 2013 3:56 pm
 
Forum: Personal Consumer Issues
Topic: new Vanguard account, can't access website
Replies: 2
Views: 317

Re: Treasury Direct -Changing Bank Account Info

Similar note... new issue/question , but didn't feel a new thread was necessary. This process is not necessary for new accounts. I wish this were the case. I am in it now. I am military overseas and would like to purchase I-Bonds. Treasury Direct is directing me to the pdf form. I've been emailing b...
by Kernschatten
Wed Feb 27, 2013 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Treasury Direct -Changing Bank Account Info
Replies: 17
Views: 1954

Re: Phone app finance question

As an example: Cash value is 1 million, Account value is 700K and market value is 300k my Vanguard portfolio value was (which is the same as the market value) This does not compute with me then. If you said: Account value: 1000K Market value: 700K Cash value: 300K ... then, I would get it. It would...
by Kernschatten
Wed Feb 27, 2013 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Phone app finance question
Replies: 4
Views: 360

Re: Best/easiest spreadsheet program?

I use Excel at work and LibreOffice at home (Linux user). Both programs accomplish the same goal and are reasonably easy to do what I need to do. I often find myself googling how to perform a goal that I have in mind. I always seem to be able to accomplish what I need, whether it be formulas to forc...
by Kernschatten
Wed Feb 27, 2013 12:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best/easiest spreadsheet program?
Replies: 9
Views: 1010

Re: Penalty on gain in whole life policy?

It sounds like you have a Modified Endowment Contract (MEC). This is a great breakdown of a MEC: https://www.usaa.com/inet/pages/advice_what_is_modified_endowment_contract Here is a piece from a fellow Bogglehead: http://whitecoatinvestor.com/modified-endowment-contract-a-term-you-shouldnt-have-to-k...
by Kernschatten
Wed Feb 27, 2013 12:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Penalty on gain in whole life policy?
Replies: 2
Views: 260

Re: Phone app finance question

What app is this, specifically, and what is your objective? It is hard to answer why two ambiguous values are different without more background. I just thought that what my Vanguard portfolio value was (which is the same as the market value) on the website is what my portfolio is worth. I find it ha...
by Kernschatten
Wed Feb 27, 2013 11:39 am
 
Forum: Investing - Theory, News & General
Topic: Phone app finance question
Replies: 4
Views: 360

Re: I'm new to the penny market, where to start?

In a similar vein, Larry Swedroe had an article about bankrupt companies still trading (a good chunk of those are penny stocks). Returns are dismal, since in the aggregate, they were negative. Could you give me the name of that article? I had trouble finding it. Thanks! If you Google search the bol...
by Kernschatten
Wed Feb 27, 2013 6:28 am
 
Forum: Investing - Theory, News & General
Topic: I'm new to the penny market, where to start?
Replies: 52
Views: 4118

Re: My (horrible) experience with Vanguard

Just a quick update. I received numerous follow ups from a gentleman by the name of Manuel. He left numerous voicemail messages and I was finally able to connect with him one evening a few weeks ago. He apologized many times and was appreciative I had decided to stick with Vanguard. He mailed to me...
by Kernschatten
Fri Feb 22, 2013 5:08 am
 
Forum: Personal Consumer Issues
Topic: My (horrible) experience with Vanguard
Replies: 82
Views: 10626

Re: Trad IRA: most overlooked lower income tax benefit over

If you do not have any of those credits to subtract, your line 10 savers credit is unaffected. I see this as well. However, since my line 13 is smaller than my line 10, line 10 is disregarded and line 13 is carried into line 14. Line 14 (in essence, 13 too) is what I then see applied as the Saver's...
by Kernschatten
Thu Feb 21, 2013 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trad IRA: most overlooked lower income tax benefit over Roth
Replies: 18
Views: 3755

Re: Trad IRA: most overlooked lower income tax benefit over

You are reading the form incorrectly. Cap gains does not affect the savers credit beyond it's inclusion in basic AGI. It's just another part of your AGI. Note that line 13 you refer to should be line 13 on the 8880, not on Form 1040. Form 8880 also limits your credit if you have other credits by ap...
by Kernschatten
Thu Feb 21, 2013 1:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Trad IRA: most overlooked lower income tax benefit over Roth
Replies: 18
Views: 3755

Re: Moving some Emergency Funds out of FDIC into Bonds

With the expected bond returns as low as they are, I do not see a big upside to what you are doing. Current I-Bonds composite rate is 1.76% -- better than a 1.00% FDIC Savings, but no, there isn't a big upside. When I first started down this thought path, the "upside" I was seeing was an ...
by Kernschatten
Thu Feb 21, 2013 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving some Emergency Funds out of FDIC into Bonds
Replies: 27
Views: 1307

Re: Moving some Emergency Funds out of FDIC into Bonds

I am tracking everything you guys are saying. I do not agree regarding my job/income risk and I see my position as very secure -- it is something that I think one would have to be in my position to fully understand. However, I do agree that a Tax-Exempt Bond Fund shouldn't be considered to be part o...
by Kernschatten
Thu Feb 21, 2013 10:33 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving some Emergency Funds out of FDIC into Bonds
Replies: 27
Views: 1307

Re: Trad IRA: most overlooked lower income tax benefit over

However, one thing often overlooked is the "Savers Credit", where if your AGI falls below certain thresholds, the govenment gives you tax credits... It's true. The "saver's credit" does get overlooked. Thanks for making the point. :happy My AGI is at the "right" level ...
by Kernschatten
Thu Feb 21, 2013 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Trad IRA: most overlooked lower income tax benefit over Roth
Replies: 18
Views: 3755

Re: Trad IRA: most overlooked lower income tax benefit over

Note that for EIC purposes, a TIRA contribution will reduce AGI, perhaps down to the amount of earned income, however there is still a 3,200 investment income limitation to apply the credit. If your investment income per the worksheet exceeds 3,200 you won't be eligible for the EIC at all even if y...
by Kernschatten
Thu Feb 21, 2013 9:44 am
 
Forum: Investing - Help with Personal Investments
Topic: Trad IRA: most overlooked lower income tax benefit over Roth
Replies: 18
Views: 3755
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