Search found 4496 matches

Return to advanced search

Re: Whats a good multi vitamin?

Not a vitamin but I believe fish oil may have some benefits and calcium for women.
by SpringMan
Sat Mar 28, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1077

Re: Is Apple Training good?

There are several free youtube classes on the Mac. Here is one.
https://www.youtube.com/watch?v=twf70Tl7piY
by SpringMan
Fri Mar 27, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Is Apple Training good?
Replies: 7
Views: 528

Re: Vanguard merged Mutual fund + brokerage - anyone have ye

We were finally converted over to Vanguard brokerage accounts where our Vanguard funds and other holdings were merged. Here are some website bugs I have observed when logging in a about 7PM after all mutual fund NAVs have been determined. First the date on the overall tab was yesterday's date, makin...
by SpringMan
Fri Mar 27, 2015 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 37
Views: 6531

Re: Wise move to move some $ to cash before bear market?

Use bond funds to rebalance into stocks if a bear market occurs, no need to hold a lot of cash IMO.
by SpringMan
Thu Mar 26, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 64
Views: 5238

Re: Vanguard Ex-US Small Cap Value Petition

Archie Sinclair wrote:I would support this. But I think getting an Admiral shares version of Vanguard FTSE All-World ex-US Small-Cap Index Fund (VSS / VFSVX) is more important.

Yes, and in addition I would like to see admiral shares of PRIMECAP core fund, VPCCX, and admiral shares of International Value fund, VTRIX.
by SpringMan
Thu Mar 26, 2015 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3007

Re: Building a new house. Any recommendations?

I would recommend drain tiles on both the outside and inside of the basement walls. It would be much more cost effective than doing it later where they need to break up the basement floor around the walls, cart in gravel, and replace the cement floor that was torn up. Also consider having a backup s...
by SpringMan
Wed Mar 25, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 44
Views: 3424

Re: Vanguard Windsor II Fund

I would slightly prefer Vanguard Equity Income fund over the Windsor funds. I don't own it anymore because Wellesley Income fills our large cap value space.
by SpringMan
Mon Mar 23, 2015 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1835

Re: RMD Vanguard state tax withholding

I have been complaining to Vanguard about this. I have been told that Vanguard will withhold state income taxes for states that require them to do so. However, if a state does not have such a requirement, Vanguard will not withhold for that state. How about writing your state representatives and go...
by SpringMan
Sun Mar 22, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: RMD Vanguard state tax withholding

I spoke to Vanguard about this and was told, if requested, they do withhold both federal and state tax from RMDs. Maybe It varies by state, I am in Michigan.
by SpringMan
Sun Mar 22, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 638

Re: How is VTIAX performing?

SpringMan, if "up" 5.69% year-to-date doesn't get an "A", what might? Just to be clear I don't share the opinion of FundMojo. Actually their highest grade is Master and then A+ through E. You can check out their best for various categories of funds here. http://www.fundmojo.com/...
by SpringMan
Sun Mar 22, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1809

Re: Is PagePlus Cellular Being Shut Down?

I have used Kitty for Page Plus renewal because Page Plus does not offer the $80 dollar per year option, it is only available from secondary sellers. I do think Kitty added a couple dollars to the renewal bill. I can't think of an uglier website than Kitty wireless has. Kitty does have a very good f...
by SpringMan
Sun Mar 22, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 14
Views: 2448

Re: Laptop: Windows based vs. Apple

As mentioned in my previous post, I have a retina MacBook Pro and a Win 7 PC. I have had no issues yet but have read that many users have problems with the coating on their retina screens. Now I can have something more to worry about. :( http://www.macrumors.com/2015/03/16/retina-macbook-pro-stained...
by SpringMan
Sun Mar 22, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5681

Re: Laptop: Windows based vs. Apple

Duplicate Post Deleted
by SpringMan
Sun Mar 22, 2015 9:50 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5681

Re: Restaurant tipping

We often buy take out from restaurants and don't add a tip. They add state sales tax. The question is should a tip be added when ordering take out? We pickup the food at the register. I worry a little about being tagged a cheap skate.
by SpringMan
Sun Mar 22, 2015 9:35 am
 
Forum: Personal Consumer Issues
Topic: Restaurant tipping
Replies: 190
Views: 10648

Re: How is VTIAX performing?

Apparently the website below does not like VTIAX very much. They gave it an E.
http://www.fundmojo.com/mutualfund/fund ... fund/VTIAX
by SpringMan
Sat Mar 21, 2015 4:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1809

Re: VEA vs. VEU

VEU contains developed and emerging markets, VEA is developed only.
by SpringMan
Sat Mar 21, 2015 10:10 am
 
Forum: Investing - Help with Personal Investments
Topic: VEA vs. VEU
Replies: 3
Views: 331

Re: Doctor's office requires credit card on file

I would not give a them a credit card that they can use without prior approval. There are some people that don't even have credit cards and pay everything with cash or check. My oral surgeon gives a 10% discount for payment with cash or check. Though I see the cancellation fee posted at most doctors...
by SpringMan
Sat Mar 21, 2015 8:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Doctor's office requires credit card on file
Replies: 55
Views: 2943

Re: Timing for taking RMDs

Not yet there yet but will be in a couple years. My current thoughts are to use a short term bond fund as the staging area and take RMDs from that. I would have taxes withheld accordingly for my projected tax rate. The proceeds would go to a state and federal tax exempt municipal bond fund. Currentl...
by SpringMan
Sat Mar 21, 2015 7:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Timing for taking RMDs
Replies: 18
Views: 1669

Re: How do you invest your taxable account?

I started out with Total Stock Market (VTSAX) and Total International (VTIAX) but tax loss harvested in 2009 into Large Cap Index (VLCAX), FTSE All World-US (VFWAX) and FTSE All World-US small cap (VSS). These are second choice funds but I can live with them. I also hold Fidelity Spartan Internation...
by SpringMan
Fri Mar 20, 2015 1:22 pm
 
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 62
Views: 5812

Re: Please help select a "safe" bond fund

... I would be thrilled to receive a 3% annual return, if that is possible. ... I would also appreciate any other suggestions I have not considered. Thank you very much! If you want a higher yield, just have the experts at Vanguard do the selection for you. Vanguard High Dividend Yield Index Fund (...
by SpringMan
Thu Mar 19, 2015 10:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help select a "safe" bond fund
Replies: 22
Views: 2297

Re: Too good to be true? vgenx or vgpmx

I bailed out of VDE yesterday, 3/18, during the FOMC meeting induced rally. Lately VDE has gone up when oil prices have dropped. I made some money and am not unhappy. I still believe energy stocks will rise in the future. I no longer hold any sector funds, not even REITs. I still have some regrets s...
by SpringMan
Thu Mar 19, 2015 7:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 25
Views: 2775

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

I believe hope25 meant VICSX. I have Wellesley in an IRA, it is not very tax efficient.
by SpringMan
Tue Mar 17, 2015 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

hope25 wrote:Might I ask what SpringMan decided to do? I have the same question: is the .25% fee worth it...

Thanks,
Hope

Actually I bought VSCSX, Vanguard Short Term Corporate Index, there is no .25% fee on that one. I decided since I own Wellesley Income, I have enough intermediate corporate bonds already.
by SpringMan
Tue Mar 17, 2015 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: Laptop: Windows based vs. Apple

The new macbooks are so light. Lighter than the air. Intels M chip doesn't need a fan so it should be quiet and has great battery life. Gaming is out though and I am not sure about the quality of video. I do heavy compiling so max out memory and cpu on a pro but the macbook is what I'd like to carr...
by SpringMan
Tue Mar 17, 2015 8:26 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5681

Re: Laptop: Windows based vs. Apple

I own both a 13" Macbook pro running Yosemite and a 13" HP running Win 7. Both are wonderful laptops and have solid state hard drives. The HP came with a lot of crapware I had to remove, the Apple had none. The Apple was twice the cost of the HP but had better specs, back lit keys, core I7...
by SpringMan
Mon Mar 16, 2015 12:59 pm
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 81
Views: 5681

Re: John Bogle's Don't Peek Challenge

I have never understood this don't peek thing. Don't people who don't peek have taxes to file or take part in tax loss harvesting when it is appropriate? How would one know they could tax loss harvest or rebalance if they don't ever look? RMDs are calculated on December 31st IRA total but don't peek...
by SpringMan
Mon Mar 16, 2015 12:24 pm
 
Forum: Investing - Theory, News & General
Topic: John Bogle's Don't Peek Challenge
Replies: 103
Views: 8649

Re: What are some common misconceptions found in this forum?

One thing that I find strange is folks posting here on Bogleheads that can't spell Bogle. I keep seeing Bogel, Boggle and other variants. Another thing is why do many folks keep calling the Apple Watch an iWatch?
by SpringMan
Fri Mar 13, 2015 11:28 am
 
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 208
Views: 16754

Re: Ink Cartridges dry up on seldom used printer, any ideas?

Donated a perfectly fine Canon Ink Jet printer to charity and replaced it with the monochrome Brother laser printer mentioned above. We efile our federal taxes but print out and mail state taxes to save some money. The Canon wanted a yellow cartridge which I replaced, then immediately wanted a magen...
by SpringMan
Fri Mar 13, 2015 8:09 am
 
Forum: Personal Consumer Issues
Topic: Ink Cartridges dry up on seldom used printer, any ideas?
Replies: 32
Views: 1713

Re: Benefits of Flagship

Is there a public list of funds that you get access to with Flagship or Flagship Select that are otherwise unavailable? I can't seem to find it even though they reference that on their website. Vanguard PRIMECAP and Capital Opportunity are closed except for Flagship clients and even Flagship client...
by SpringMan
Tue Mar 10, 2015 1:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 24
Views: 2315

Re: Benefits of Flagship

Unless I missed it, nobody has mentioned Free TurboTax software for Flagship clients.
by SpringMan
Tue Mar 10, 2015 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Benefits of Flagship
Replies: 24
Views: 2315

Re: Will you buy an Apple Watch?

I'm a big fan of Apple, but I hope this product tanks. Apple is the largest market cap company and a big holding in many index funds. From an investment point of view, I wish the company success so their stock does not tank and hurt the funds we are using. In my opinion, the Apple watch will disapp...
by SpringMan
Tue Mar 10, 2015 8:19 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16690

Re: Will you buy an Apple Watch?

There is at least one good use for the Apple watch. Many schools ban students from use of cell phones while at school. They could keep the iphone in their backpack and use the Apple watch to get important messages.
by SpringMan
Tue Mar 10, 2015 8:08 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16690

Re: Will you buy an Apple Watch?

No Apple watch in my future but the new Macbook looks sweet. I don't know if the lack of ports would be an issue though. Fortunately I don't need any more computers for the time being.
by SpringMan
Tue Mar 10, 2015 4:24 am
 
Forum: Personal Consumer Issues
Topic: Will you buy an Apple Watch?
Replies: 321
Views: 16690

Re: Typical Dealership Documentation Fee in MA??

Paid $90 doc fee on my Silverado pickup and felt that was too much. Paid cash and used a GMS (out of stock) discount which is cut and dried, no haggling on vehicle price. Never thought to ask about their doc fee. I beleive doc fees are negotiable. I did get the dealer to throw in a free factory inst...
by SpringMan
Sat Mar 07, 2015 9:09 am
 
Forum: Personal Consumer Issues
Topic: Typical Dealership Documentation Fee in MA??
Replies: 20
Views: 993

Re: What's with VG Complaints???

I cannot think of one single thing that Fidelity does better than Vanguard. Fidelity has local brick and mortar offices in many areas. If you like face to face interaction Fidelity is better. Vanguard does not offer this. I have used a Fidelity local office to drop off a stock certificate I receive...
by SpringMan
Sat Mar 07, 2015 4:02 am
 
Forum: Investing - Theory, News & General
Topic: What's with VG Complaints???
Replies: 42
Views: 3204

Re: When will / did you claim Social Security benefits?

Other, I retired at 57 and started SS at 65 even though my full retirement age was 66. Ditto for my same age spouse. Our genetics do not indicate favorable longevity. Spouse did not want to delay any longer and I conceded to her wishes.
by SpringMan
Fri Mar 06, 2015 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: When will / did you claim Social Security benefits?
Replies: 133
Views: 9682

Re: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?

Vanguard Energy Index Adm (VENAX) or Vanguard Energy Inv (VGENX) I would look into the Admiral shares funds if you have the resources The minimum for admiral shares you mention, VENAX, is $100K, quite a lot of resources for a sector fund. I would suggest VDE. the ETF share class. Your comparison is...
by SpringMan
Fri Mar 06, 2015 4:47 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy Fund (VGNEX) - Cheap Enough Yet?
Replies: 19
Views: 2726

Re: Wife tired of saving...

If I can't buy my wife the car she wants when I have $2 million in the bank, then what is the point? I don't disagree about your point about them being able to afford a nice car with in reason but the OP said nothing about having that much money in the bank. At their ages they can not access tax de...
by SpringMan
Thu Mar 05, 2015 4:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Wife tired of saving...
Replies: 203
Views: 19205

Re: Portfolio advice for aging parent

Are there current sources of income enough to pay living expenses such as social security or pension? If so the asset allocation is primarily for heirs and though aggressive for an 80 y.o. may still make sense. The individual stocks have risks that most Bogleheads would not be willing to take. They ...
by SpringMan
Mon Mar 02, 2015 2:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio advice for aging parent
Replies: 5
Views: 410

Re: What's your average ER?

Overall ER is .16%. Could get it lower but can't bring myself to dump PRWCX, TRP Capital Appreciation, its ER is .73%. PRWCX is also closed to new investors.
by SpringMan
Mon Mar 02, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: What's your average ER? [Expense Ratio]
Replies: 123
Views: 7128

Re: Tilting - Sectors, not REITs

Right now I have VG Energy ETF, VDE. Oil prices can't stay low forever IMO.
by SpringMan
Sun Mar 01, 2015 9:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Tilting - Sectors, not REITs
Replies: 6
Views: 463

Re: Hard skills to learn to push me over 50k per year?

If you are not making 50k/yr in sales then: a. You are in the wrong type of sales ---or--- b. You are not selling Same thing can be said about teaching. Teachers routinely make more than 50K per year and most get pensions when they retire. Many have summers off. Full disclosure: I was an engineer b...
by SpringMan
Sat Feb 28, 2015 3:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hard skills to learn to push me over 50k per year?
Replies: 9
Views: 993

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

[I know that and there may not be much difference but I slightly prefer the mutual fund. Both ETFs and Mutual Funds need to account for accrued income the same way, so I would think no difference. Why would you think that there is a difference? If so, where are you getting your information. It woul...
by SpringMan
Sat Feb 28, 2015 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

For one thing, when selling the bond fund, you get prorated interest on the days since the last dividend. The bond ETFs do not behave this way. Vanguard ETFs have no fees to trade at VBS. But the price that the ETF sells for does generally contain the imputed dividend. If it did not, then someone w...
by SpringMan
Sat Feb 28, 2015 2:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

This is a tough call I would think. I do not own either, but I own both share classes of the short-term fund: VCSH + VSCSX. I like the convenience of VSCSX because I have it in set-and-forget mode. Its dividends are automatically reinvested at the end of the month like other bond funds. I like VCSH...
by SpringMan
Sat Feb 28, 2015 1:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

May I ask why you like the accounting structure better? They are both registered investment companies (RICs) and are subject to the same laws. By accounting, I am assuming we are talking about the prospectus and other disclosers. As for fees, normally there are commission fees for buying a ETF. Not...
by SpringMan
Sat Feb 28, 2015 1:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: VICSX (Intermediate Corp) vs VCIT (ETF share class)

I have used bond ETFs before and I do prefer bond funds slightly but I am not sure I can warm up to a purchase fee. My biggest position is in VBTLX, Total Bond, which is heavy on treasuries. Maybe I don't need more corporate bonds anyway because my second largest position is Wellesley fund and have ...
by SpringMan
Sat Feb 28, 2015 12:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

VICSX (Intermediate Corp) vs VCIT (ETF share class)

I am interested in taking a position in Vanguard's intermediate corporate bond fund. Mr. Bogle has recommended this fund and I believe invested his own money in the institutional share class. Institutional share class is not an option for me due to its required high minimum. VICSX, admiral shares, h...
by SpringMan
Sat Feb 28, 2015 12:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: VICSX (Intermediate Corp) vs VCIT (ETF share class)
Replies: 24
Views: 1194

Re: International is disappointing

Some of this is due to currency risk. The US dollar has been very strong recently.
by SpringMan
Fri Feb 27, 2015 4:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7143
Next

Return to advanced search