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by SpringMan
Sat May 23, 2015 8:09 am
Forum: Personal Finance (Not Investing)
Topic: Paying for Part D Medicare
Replies: 4
Views: 379

Re: Paying for Part D Medicare

There was no problem switching for us. You will get new insurance cards, As you stated, you have multiple ways of paying such as credit card, bank account, or monthly check. I use a credit card because of it is convenience. We try to use the same credit card for medical expenses for tracking itemize...
by SpringMan
Thu May 21, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone had the Personal Capital complementary review yet?
Replies: 30
Views: 3745

Re: Anyone had the Personal Capital complementary review yet?

After getting several calls, I agreed to a free portfolio evaluation. It was an attempt to sign us up for them to manage our portfolio. I am not that smart and not bragging but I honestly felt I knew more than the representative. The representative was not a CFP. They want to take control of your in...
by SpringMan
Thu May 21, 2015 10:56 am
Forum: Investing - Theory, News & General
Topic: The Latest Attack on Index Funds
Replies: 7
Views: 1126

Re: The Latest Attack on Index Funds

The problem, as he sees it, is that the advantages of index funds on the way up become serious drawbacks when the market reverses course. This is a commonly held myth. Actively managed funds have done no better in bear markets than index funds even though they do tend to hold more cash. Of course, ...
by SpringMan
Wed May 20, 2015 3:33 pm
Forum: Investing - Help with Personal Investments
Topic: Concerns about VGHCX (Healthcare fund)
Replies: 3
Views: 466

Re: Concerns about VGHCX (Healthcare fund)

Another difference is that VGHCX is over 25% foreign stocks, VHT is 100% domestic. Both have had big gains recently but you know what they say about past performance. I don't own any sector funds currently but wish I had healthcare when looking through the rear view mirror. I guess I share your conc...
by SpringMan
Tue May 19, 2015 4:04 pm
Forum: Investing - Help with Personal Investments
Topic: Moving Vanguard Funds to a broker?
Replies: 16
Views: 1337

Re: Moving Vanguard Funds to a broker?

Some brokerages may not accept admiral shares. All will accept ETFs. The best bet is to call the brokerage you are interested in and ask about in-kind transfers. Vanguard the mutual fund company is in the process of converting Vanguard accounts to Vanguard Brokerage Service accounts. This fixes the ...
by SpringMan
Tue May 19, 2015 12:04 pm
Forum: Personal Consumer Issues
Topic: Best Chromebook 2015
Replies: 52
Views: 3947

Re: Best Chromebook 2015

stratton wrote:Chromebook pIxel
Paul

Pixel Chromebook is undeniably the best if price is not a factor. The price puts it up there with MacBook Pro as its competition.
by SpringMan
Tue May 19, 2015 8:19 am
Forum: Personal Consumer Issues
Topic: Malwarebytes Anti-Exploit
Replies: 17
Views: 1573

Re: Malwarebytes Anti-Exploit

I think it is the best tool out there for removal of malware. The free version works just fine, no need to buy the premium version. I would use it only after the fact when a windows computer is already infected (reactive not proactive). It removes malware but does prevent new infections (speaking to...
by SpringMan
Tue May 19, 2015 8:06 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 114
Views: 7883

Re: What's so great about simplicity?

For most Vanguard investors, a simplified portfolio will make it easier to qualify for Admiral Shares, resulting in lower fees. Directly impacting your returns. This was much more true in the old days when admiral shares had a $100K minimum and before ETFs existed. Now with a $10K minimum on most i...
by SpringMan
Tue May 19, 2015 7:38 am
Forum: Personal Finance (Not Investing)
Topic: How do Bogleheads (in general) plan to finance their healthcare for later life?
Replies: 34
Views: 3510

Re: How do Bogleheads (in general) plan to finance their healthcare for later life?

After age 65, nothing special here. Spouse and I both started Medicare A & B at 65, with a Plan C Medigap and Part D prescription drug plan. All paid for by us out of our monthly income stream. Dental has been the Achilles heel having no coverage and needing many expensive implants. The only sil...
by SpringMan
Mon May 18, 2015 3:51 pm
Forum: Investing - Help with Personal Investments
Topic: NOSIX vs NOMIX
Replies: 5
Views: 396

Re: NOSIX vs NOMIX

Those expense ratios sound very good but a quick check on Northern's website shows different expense ratios. NOSIX is given as .12% reduced to .10%, NOMIX as .18% reduced to .15%. https://www.northerntrust.com/documents/fact-sheets/mutual-funds/individual/nf_nosix_factsheet.pdf?bc=23865640 https://...
by SpringMan
Mon May 18, 2015 11:19 am
Forum: Investing - Theory, News & General
Topic: Let's hear your Dave Ramsey success stories
Replies: 65
Views: 9186

Re: Let's hear your Dave Ramsey success stories

My success story goes back a while when Dave Ramsey went by the name of Charles Givens. He had integrity then, and he didn't spend all his time trying to sell his eight different flavors of snake oil. I think those are clearly two very separate people. Absolutely, Charles Givens died in 1998, Dave ...
by SpringMan
Mon May 18, 2015 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Any ContraFund Fans Here?
Replies: 7
Views: 601

Re: Any ContraFund Fans Here?

I don't currently own it but used to when my 401k account was with Fidelity. The concern about Contra being bloated with too much assets under management is legit. I could be wrong but I don't believe Fidelity has ever closed this fund either. I am now using Vanguard PRIMECAP admiral for large growt...
by SpringMan
Mon May 18, 2015 9:20 am
Forum: Investing - Theory, News & General
Topic: What's so great about simplicity?
Replies: 114
Views: 7883

Re: What's so great about simplicity?

Simplicity has its merits, especially for older folks that want their portfolio simple so as to make it easier for their heirs to deal with. On the other hand, I have read on this forum that if a position makes up less than 5%, then it is not worth holding. This does not stand up to logic. 25 positi...
by SpringMan
Mon May 18, 2015 3:57 am
Forum: Investing - Help with Personal Investments
Topic: NOSIX vs NOMIX
Replies: 5
Views: 396

Re: NOSIX vs NOMIX

Those expense ratios sound very good but a quick check on Northern's website shows different expense ratios. NOSIX is given as .12% reduced to .10%, NOMIX as .18% reduced to .15%. https://www.northerntrust.com/documents/fact-sheets/mutual-funds/individual/nf_nosix_factsheet.pdf?bc=23865640 https://w...
by SpringMan
Sat May 16, 2015 11:53 am
Forum: Investing - Theory, News & General
Topic: How accurate is Vanguard's 'Portfolio Watch'
Replies: 12
Views: 1628

Re: How accurate is Vanguard's 'Portfolio Watch'

Morningstar and Vanguard can't even agree on what is large, midcap, or small. Same is true for value, blend, and growth. Their bond style boxes don't agree either. I use both but don't get to worked up by Vanguard's alerts. Especially Vanguard's "Consider ..." alerts. Anyone tilting to sma...
by SpringMan
Fri May 15, 2015 4:47 pm
Forum: Investing - Help with Personal Investments
Topic: How bad is Wellesley for taxable?
Replies: 37
Views: 2804

Re: How bad is Wellesley for taxable?

My recommendation would be to NOT use Wellesley in a taxable account. Its tax consequence may not be too bad now while interest rates are low but that could be worse in the future. It is a great fund for a tax advantaged account. My spouse has 100% of her IRA in VWIAX (admiral shares).
by SpringMan
Fri May 15, 2015 11:40 am
Forum: Investing - Theory, News & General
Topic: switch to Vanguard ETF's from Index funds?
Replies: 6
Views: 664

Re: switch to Vanguard ETF's from Index funds?

I wanted to go the other way, putting ETFs into Admiral funds (this is a tax advantaged account) because of the Vanguard rebalancing tool. Just pick the percentages and the funds are rebalanced. With the ETFs, I have to manually work out the number of shares and then adjust the final buy (with a li...
by SpringMan
Fri May 15, 2015 11:29 am
Forum: Investing - Help with Personal Investments
Topic: $50 charge to switch IRA from Fidelity to Vanguard
Replies: 14
Views: 1512

Re: $50 charge to switch IRA from Fidelity to Vanguard

I guess there is no harm done leaving $3 behind as long as they don't have a low balance fee or introduce such a fee in the future. Even if they do want to charge you, I don't know how they could collect unless they have your bank info on file. Maybe threaten you with a bill collector?
by SpringMan
Thu May 14, 2015 4:52 pm
Forum: Investing - Help with Personal Investments
Topic: $50 charge to switch IRA from Fidelity to Vanguard
Replies: 14
Views: 1512

Re: $50 charge to switch IRA from Fidelity to Vanguard

Sure why not get the bonus dollars for switching. What I am not clear on is the leaving 3 dollars in the old account if it is not an attempt at trying to avoid the closure fee. Seems like it is just delaying the inevitable.
by SpringMan
Thu May 14, 2015 11:07 am
Forum: Investing - Help with Personal Investments
Topic: $50 charge to switch IRA from Fidelity to Vanguard
Replies: 14
Views: 1512

Re: $50 charge to switch IRA from Fidelity to Vanguard

I don't understand the hoops some folks are willing to jump through to avoid the $50 account closure fee. For example, switching to another institution first and leaving an account open with just $3. I guess I am just not that frugal, I just closed the account and paid the fee. No regrets because o...
by SpringMan
Thu May 14, 2015 8:27 am
Forum: Investing - Help with Personal Investments
Topic: $50 charge to switch IRA from Fidelity to Vanguard
Replies: 14
Views: 1512

Re: $50 charge to switch IRA from Fidelity to Vanguard

I don't understand the hoops some folks are willing to jump through to avoid the $50 account closure fee. For example, switching to another institution first and leaving an account open with just $3. I guess I am just not that frugal, I just closed the account and paid the fee. No regrets because ou...
by SpringMan
Wed May 13, 2015 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Question on Large Cap funds
Replies: 6
Views: 439

Re: Question on Large Cap funds

I would not go so far as to say Fidelity Contra fund is not a good fund. It is more expensive and actively managed. It is also large growth where the S&P 500 is large blend so it offers some diversification in style. There would be overlap though. In my younger days, when I had a Fidelity 401(k)...
by SpringMan
Tue May 12, 2015 11:25 am
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 8692

Re: List of favorite accounts

livesoft wrote:
SpringMan wrote:
livesoft wrote:I think the problem might be that you didn't list any Vanguard accounts. ;)

The OP did list Vanguard accounts.

Perhaps check the dates of the edits to the OP. :)

Mea culpa, I guess the OP added Vanguard after your post.
by SpringMan
Tue May 12, 2015 11:23 am
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 8692

Re: List of favorite accounts

All my securities are held directly (no brokerage) with Vanguard for low cost, good service and simplicity (link below). Best wishes. Taylor Hi Taylor, I thought Vanguard was converting (or in the process of converting) all direct mutual fund accounts into brokerage accounts. They converted ours a ...
by SpringMan
Tue May 12, 2015 11:09 am
Forum: Personal Finance (Not Investing)
Topic: List of favorite accounts
Replies: 44
Views: 8692

Re: List of favorite accounts

I think the problem might be that you didn't list any Vanguard accounts. ;) The OP did list Vanguard accounts. "-For Roth IRAs, individual 401ks and individual Roth 401ks, UTMAs, and taxable accounts, we use Vanguard for good options and low expense ratios. No fees. Comes with mutual fund and ...
by SpringMan
Mon May 11, 2015 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: REIT common stock question
Replies: 9
Views: 876

Re: REIT common stock question

Keep in mind if the stock was jointly owned with your husband, half the shares may get a stepped up cost basis to the value they had on the date when your husband passed. If the shares were totally in your husband's name, then all of them qualify for the stepped up basis.
by SpringMan
Sun May 10, 2015 12:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Financial Plan Under the New [ 0.3% ] Fee
Replies: 33
Views: 5156

Re: Vanguard Financial Plan Under the New [ 0.3% ] Fee

I thought my wife could use Vanguard Personal Advisor Service if I should pass on first but I am having second thoughts about whether it is worth 30 basis points. The three fund portfolio is easy enough for her to manage, I think. Stuff in our joint taxable accounts should probably be left for our c...
by SpringMan
Sat May 09, 2015 10:26 am
Forum: Personal Consumer Issues
Topic: Save $$$ On Razor Blades
Replies: 29
Views: 3517

Re: Save $$$ On Razor Blades

I switched to Harry's. Their Truman set is $15 dollars and you can save $5 by using a promotion code from TWIT TV. It includes razor, 3 blades, and choice of shaving foam or cream.
https://www.harrys.com/
by SpringMan
Sat May 09, 2015 10:13 am
Forum: Investing - Help with Personal Investments
Topic: Just transferred from Ameriprise to Fidelity, need help
Replies: 11
Views: 1062

Re: Just transferred from Ameriprise to Fidelity, need help

In addition to Spartan funds, Fidelity has many free to trade ETFs. They have their own brand sector ETFs which are competitive with Vanguard's sector ETFs in cost at .12% ER. Also many iShares ETFs are free to trade. https://www.fidelity.com/etfs/ishares
by SpringMan
Tue May 05, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Neighbor wants to excavate shallow water hole common to both properties
Replies: 31
Views: 2579

Re: Neighbor wants to excavate shallow water hole common to both properties

The pond could be an asset. I paid $5,000 to have a pond dug on 7 acres of vacant rural land we own. Digging a pond provides low cost fill dirt as a benefit. Be sure to get the proper permit and inspection. Ours had to have a 1 to 3 slope around the perimeter. I stocked it with fish, I think fish he...
by SpringMan
Mon May 04, 2015 4:46 pm
Forum: Personal Consumer Issues
Topic: What happens if you violate an HOA?
Replies: 35
Views: 3406

Re: What happens if you violate an HOA?

My folks lived in a subdivision that had that same rule, no chain link fences. The workaround for them was to paint the fence black. Some chain link fences come with plastic coatings and they were allowed. The idea was that they were decorative fences. Painting the fence was acceptable for them but ...
by SpringMan
Mon May 04, 2015 3:06 pm
Forum: Personal Consumer Issues
Topic: Looking to Retire in Cleveland
Replies: 32
Views: 2486

Re: Looking to Retire in Cleveland

Don't forget the Rock and Roll Hall of Fame.
http://en.wikipedia.org/wiki/Rock_and_Roll_Hall_of_Fame
I also believe Lake Erie has some good fishing. It is a lot cleaner than it used to be.
by SpringMan
Mon May 04, 2015 5:02 am
Forum: Investing - Help with Personal Investments
Topic: ETF versus Funds
Replies: 32
Views: 2463

Re: ETF versus Funds

A big advantage of ETFs is that you can build a diversified index portfolio of your chosen asset allocation without a lot of money. I think the Core Four portfolio--or perhaps it was another popular lazy portfolio--would require something like $37000 to start if you wanted to do it all with Vanguar...
by SpringMan
Thu Apr 30, 2015 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: ETF versus Funds
Replies: 32
Views: 2463

Re: ETF versus Funds

You may want funds that are not available as ETFs, Vanguard Wellington or Wellesley for example. Also you can't invest x amount of dollars in ETFs because you need to purchase whole integer share amounts, so setting up periodic automatic ETF investments can't be done as they can be with mutual funds.
by SpringMan
Wed Apr 29, 2015 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity rollover to Vanguard
Replies: 25
Views: 1835

Re: Fidelity rollover to Vanguard

If you like Vanguard ETFs because of their lower ER, unless your plan restricts them, Fidelity only charges $7.95 to trade them. I do understand your wish to use Vanguard, in our case we just bit the bullet and paid the Fidelity account closing fee, no regrets.
by SpringMan
Wed Apr 29, 2015 10:11 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3911

Re: Thinking about a new desktop PC.

SSDs are usually smaller because of their cost per GB. I use a USB-3 external spinning hard drive for data. I picked up a 2 TB Seagate for a little over $100 dollars. They probably are cheaper now as prices keep dropping. It is very portable and it contains a backup of all my data. The original data...
by SpringMan
Tue Apr 28, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity rollover to Vanguard
Replies: 25
Views: 1835

Re: Fidelity rollover to Vanguard

Vanguard won't reimburse the fee but Vanguard does not charge such a fee if you leave them.
by SpringMan
Tue Apr 28, 2015 1:45 pm
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3911

Re: Thinking about a new desktop PC.

I just looked at the HP site and that system looks pretty good. I also see for $130 you can get a 256 SSD. I looked at the site and have a question. What is the difference between 256GB SATA 3.5 TLC Solid State Drive for $120 and 256GB Solid state drive for $130? I was wondering the same thing, her...
by SpringMan
Tue Apr 28, 2015 10:24 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3911

Re: Thinking about a new desktop PC.

Thanks for the replies so far. It has gotten me thinking, and I believe Win8 is probably the way to go, perhaps upgrading to Win10 after it's been out for awhile. I was looking at HP's website and started looking at the ENVY 700qe. Any advice on: RAM: It comes with 12GB. Any real reason to go up to...
by SpringMan
Tue Apr 28, 2015 9:14 am
Forum: Personal Consumer Issues
Topic: Thinking about a new desktop PC.
Replies: 55
Views: 3911

Re: Thinking about a new desktop PC.

Should start with what you'll need it for and let the computer specs go from there. For me, I wanted a new desktop that would allow me to run the engineering maps I use at work. As some of those maps are only supported on Win7 the decision was easy. With a SSD for the O/S my PC hums along nicely. I...
by SpringMan
Mon Apr 27, 2015 11:33 am
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 51
Views: 3340

Re: How far away from a freight railroad track should you li

We moved 1 block from a RR which ran behind the back yards of the last street in our sub. It was a single track and the train ran infrequently. About 10 years ago, the track was removed and it became a bike trail, part of the rails to trails movement.
by SpringMan
Sat Apr 25, 2015 4:04 pm
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4742

Re: Who follows Age in Bonds

stemikger wrote:Rx 4 Investing. Great information. Thanks for posting it.

Yes, I agree what a great first post. Welcome to the forum Rx 4 investing.
by SpringMan
Fri Apr 24, 2015 10:35 am
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2782

Re: International Stock Poll: Emerging vs Developed Ratio

According to Vanguard we are 87% developed, 13% emerging which is about 9% underweight in emerging.
by SpringMan
Tue Apr 21, 2015 7:08 pm
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 91
Views: 8502

Re: "How much of your portfolio is in index funds, and why?"

50% of total is indexed, 100% of taxable is indexed. Active management in IRAs include Wellesley, PRIMECAP, Capital Opportunity, Health Care, and High Yield and Investment Grade bond funds.
by SpringMan
Tue Apr 21, 2015 9:15 am
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2276

Re: Great little interview with John Bogle

JoMoney wrote:
Call_Me_Op wrote:Japan.

Is that suppose to be an argument for, or against international investing?

I assume Japan is an argument for international because it is an example of what can happen when betting 100% on one country.
by SpringMan
Tue Apr 21, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: leaving personal capital
Replies: 8
Views: 1066

Re: leaving personal capital

I am curious if Personal Capital has an account closing fee. Vanguard's policy is to not reimburse account closing fees, they don't charge them either. I would suggest doing in-kind transfers, at least on the ones with short term gains. Hopefully Personal Capital made you a decent return, the compan...
by SpringMan
Tue Apr 21, 2015 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of practically worthless stock
Replies: 15
Views: 1531

Re: Best way to get rid of practically worthless stock

What if the stock is in an IRA so you can't write off the loss on your taxes? I own one such stock.
by SpringMan
Mon Apr 20, 2015 9:03 am
Forum: Investing - Help with Personal Investments
Topic: Questions for Financial Adviser
Replies: 18
Views: 915

Re: Questions for Financial Adviser

It is difficult to advise a father in-law how to invest. He would be better off managing has own money or using a low cost advisor like Vanguard's PAS which costs .3% or Rick Ferri's Portfolio Solutions. He should not worry about his advisor's hurt feelings, it is his money. Looking at LPL's website...
by SpringMan
Mon Apr 20, 2015 8:29 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Certified Financial Planner
Replies: 10
Views: 1819

Re: Vanguard Certified Financial Planner

I believe VG is no longer providing the free financial plans, but someone will correct that if I'm wrong. It is news to me but you may be right. It looks like Voyager Select and higher can consult with a CFP for free if they have a specific investment question. Nothing is mentioned about a free fin...
by SpringMan
Sat Apr 18, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1888

Re: What Is The Worst Car You Have Ever Owned?

1973 Chevy Vega, it was a real rust bucket. The engine drank oil, not much good to say about it other than it was cheap.

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