Search found 4403 matches

Return to advanced search

Re: Embedded (or "fees on fees") in Vanguard Target Retireme

Same with all Vanguard fund of funds such as Life Strategy, Target Date, Managed Payout and Star, no additional fees are added to the fees of the underlying funds.
by SpringMan
Sat Jan 31, 2015 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Embedded (or "fees on fees") in Vanguard Target Retirement
Replies: 12
Views: 867

Re: Mac reliability?

Many have observed that Windows releases alternate between good and bad. 98 good ME/2000 bad XP good Vista bad 7 good 8 bad I suspect (and I don't think this is original thought) that they rush every other update to market, test it, gauge public response, tweak it accordingly, and then come out wit...
by SpringMan
Sat Jan 31, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: Vanguard website has Yellow Triangle over lock

Steelersfan wrote:I use Chrome on my PC and am not getting any yellow triangles.

Same here.
by SpringMan
Sat Jan 31, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: Vanguard website has Yellow Triangle over lock
Replies: 26
Views: 1912

Re: Mac reliability?

Let's keep in mind that it's not accurate to compare Mac hardware (i.e., Macbook Pro, etc.) to Windows software. Apples to apples comparison would be OS X 10.10 (Yosemite) to Windows 8, or whichever versions. The right comparison would be to consider both hardware and software that comes with Apple...
by SpringMan
Sat Jan 31, 2015 10:54 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: Microsoft Excel vs. Apple Numbers

I have been using OpenOffice by Appache which is similar to LibreOffice. It works on both platforms. I have tried Apple's numbers by saving the OpenOfice ods file to an xls file, then using numbers to open the xls file and saving back to numbers. In Apple numbers something as simple as File SaveAs i...
by SpringMan
Sat Jan 31, 2015 10:22 am
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 14
Views: 941

Re: Filed your 2014 Federal Taxes yet?

Still missing some needed information from VBS specifically on ETFs. Got started on Turbo-tax and saved. Usually submit taxes in mid to late February.
by SpringMan
Sat Jan 31, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Filed your 2014 Federal Taxes yet?
Replies: 50
Views: 2454

Re: Mac reliability?

One thing to consider is that at some point, even if you bought the new Operating System, your Mac hardware will not allow the update. . Your point is true. However the new operating system is provided for free with Macs, you don't have to buy a new OS. Looks like Microsoft is also going to provide...
by SpringMan
Sat Jan 31, 2015 9:46 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: Mac reliability?

One more current negative on the Apple side is that they are soldiering in the RAM, and making the battery non-replaceable by the end user. This is an obvious money grab because they charge more for their RAM than third party after market suppliers. Some Mac models don't do this but most of their la...
by SpringMan
Sat Jan 31, 2015 9:38 am
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: Mac reliability?

The other elephant in the room is that most Apple products cost about 2x compared to their Windows equivalent with like-for-like components. So if you're shopping purely on reliability and most here would agree that most Windows & Apple hardware is pretty much equal in that space, then the Appl...
by SpringMan
Fri Jan 30, 2015 7:02 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: Mac reliability?

I switched from PC to a 13 inch MacBook Pro this year, i7, 8GB RAM and 512GB ssd. Loved it but after 2 weeks the laptop would not boot up. Got the chime but just a blank screen, no apple logo. I bought it at B&H at a much better price than the Apple store was selling it. I loaded all my music in...
by SpringMan
Fri Jan 30, 2015 2:04 pm
 
Forum: Personal Consumer Issues
Topic: Mac reliability?
Replies: 78
Views: 3203

Re: What mutual fund companies do you use?

Currently all Vanguard except two funds. First one is Pimco Income (PIMIX) a multisector bond fund which is something Vanguard does not offer. The second is Fidelity Spartan Advantage International (FSIVX) which is held in a taxable account which has large unrealized capital gains. edit: I forgot on...
by SpringMan
Wed Jan 28, 2015 9:08 am
 
Forum: Investing - Theory, News & General
Topic: What mutual fund companies do you use?
Replies: 63
Views: 2962

Re: Mr. Bogle on CNBC today--International and Bonds

When Mr. Bogle says he does not recommend international, does he mean just equities or both equities and fixed income? Vanguard's international bond fund is hedged against currency risk which should alleviate one of his concerns. I don't think he likes international bonds but have not heard him spec...
by SpringMan
Tue Jan 27, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Mr. Bogle on CNBC today--International and Bonds
Replies: 49
Views: 5697

Re: Vanguard Energy ETF

No, VDE is not an index fund, if by "fund" you mean mutual fund; it's an Exchange Traded Fund, an ETF. However, the ETF does track an index, MSCI US Investable Market Energy 25/50 Index. You can't buy VDE on the mutual fund web site; you have to have a brokerage account and you buy it lik...
by SpringMan
Tue Jan 27, 2015 8:11 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy ETF
Replies: 6
Views: 999

Re: Vanguard Energy ETF

I bought some VDE which by the way is an index fund at around $105 per share. At less than 2% of our portfolio it won't make us rich or ruin us. It is a domestic energy fund but tracks VGENX fairly well.
by SpringMan
Mon Jan 26, 2015 8:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Energy ETF
Replies: 6
Views: 999

Re: Flagship financial planner advice?

It is a strawman. Presumably, the OP would make a decision NOW to go with either the service OR the VG low cost indexed balanced fund alternative. And, make that decision NOW. Rather than skip the rebalance service and do nothing. That's were the strawman comes in - assuming the OP would leave the ...
by SpringMan
Mon Jan 26, 2015 8:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5300

Re: Flagship financial planner advice?

PAS is new so it is not clear exactly the level of service provided.
https://investor.vanguard.com/advice/personal-advisor
I don't know if it is worth it or not at. The jury is still out.
by SpringMan
Mon Jan 26, 2015 3:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5300

Re: Flagship financial planner advice?

"Again, balanced funds can do all the rebalancing for the cost of the fund ER." and for example, Fidelity Balanced, FBALX, has an ER of .6%. What kind of a straw man is this? .6%? I thought on the BH board this would go without saying but evidently not - a low cost, indexed balanced fund....
by SpringMan
Mon Jan 26, 2015 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5300

Re: Flagship financial planner advice?

I don't believe folks posting on Bogleheads need to waste the extra 30 basis points on the Vanguard PAS service. My comment was that it is not a bad idea for surviving spouses that have no interest. I know if I should become incapacitated or pass away, my spouse will not be visiting Bogleheads or do...
by SpringMan
Mon Jan 26, 2015 1:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5300

Re: Flagship financial planner advice?

The big thing that caught my eye is to c harge 0.3% to rebalance your funds. This is outrageous. Maybe 401(k) plans do this for "free" (understanding that few things are really free). I definitely would not do this and throw away the 0.3% year after year. You can do the rebalancing calcul...
by SpringMan
Sat Jan 24, 2015 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship financial planner advice?
Replies: 54
Views: 5300

Re: Selling mutual fund to buy ETF - "out of market" risk

If possible converting the mutual fund to an ETF is the simplest and cleanest way. Vanguard does not allow this for bond funds. Otherwise I would just stay in the mutual funds, especially if the account is taxable where selling and buying creates a taxable event. I don't think it is worth the troubl...
by SpringMan
Thu Jan 22, 2015 5:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Selling mutual fund to buy ETF - "out of market" risk
Replies: 17
Views: 833

Re: Birthday gift ideas for a 7 year old chess player

Many good chess programs can be had for free as downloads. In fact they are so good it took the fun out of the game for me. I used to be Class B (1740) rated tournament player in my younger days. When I found that free computer programs could whip the pants off me, I slowly lost interest in the game...
by SpringMan
Mon Jan 19, 2015 8:47 am
 
Forum: Personal Consumer Issues
Topic: Birthday gift ideas for a 7 year old chess player
Replies: 19
Views: 1494

Re: Dave Ramsey's bad advice at an all time high!

some companies like WalMart that hurt their employees as well as the government hand that feeds them. How does WalMart hurt their employees? How do they hurt the government? They hurt their employees by paying them low wages. They hurt the government by needing and qualifying for government assista...
by SpringMan
Sun Jan 18, 2015 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dave Ramsey's bad advice at an all time high!
Replies: 40
Views: 6377

Re: Vanguard ETFs, Are fractional shares allowed?

You can not purchase them in anything other than integer share amounts. You can have fractional shares as a result of dividend reinvestment, for example. When you sell, you enter an integer value for the number of shares. If just a fractional share remains it will be sold as well. The fractional sha...
by SpringMan
Sat Jan 17, 2015 12:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs, Are fractional shares allowed?
Replies: 12
Views: 945

Re: Doing my taxes by hand

I have very bad handwriting. Years ago I would do our taxes by hand and have my wife copy them over to a legible copy for the IRS. I am a big proponent of tax software now. I would e-file everything if it where free. State e-file costs more than paper and ink so I print it out and use snail mail.
by SpringMan
Sun Jan 11, 2015 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Doing my taxes by hand
Replies: 64
Views: 4736

Re: Medallion Signature Guarantee? T.Rowe Price to Vanguard

If the name and social security numbers match then no Medallion signature should be necessary. I did it from Fidelity to Vanguard completely online, no mailing required. At first I thought I might need a signature guarantee because at Fidelity a middle initial was used and the existing Vanguard acco...
by SpringMan
Sun Jan 11, 2015 5:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medallion Signature Guarantee? T.Rowe Price to Vanguard Xfer
Replies: 8
Views: 896

Re: Looking for low cost cell phone plans...

Suggest checking out Page Plus Cellular [ https://www.pagepluscellular.com/ ], a Verizon MVNO, as well. I second that. I use the 80 dollar plan for 2000 minutes that expire in one year which I buy from kitty wireless, a page plus reseller. I have flip phone that I just use for phone calls.
by SpringMan
Sat Jan 10, 2015 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Looking for low cost cell phone plans...
Replies: 47
Views: 3997

Re: Mice in the house

I have a woods cabin and have had to deal with mice. Poison works the best, the green pellets type. Mice take it back to their nest and horde it. They will become dehydrated when poisoned and go for water, this means they generally go outdoors so they likely do not die between the walls in the house...
by SpringMan
Sat Jan 10, 2015 9:27 pm
 
Forum: Personal Consumer Issues
Topic: Mice in the house
Replies: 86
Views: 5117

Re: Target Date Fund vs. 3 Fund Portfolio

chaz wrote:1 fund portfolio for me, the Balanced Index fund.

Did you sell your Capital Opportunity fund? I sold mine a while ago but recently bought it back.
by SpringMan
Thu Jan 08, 2015 9:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3889

Re: Target Date Fund vs. 3 Fund Portfolio

I voted other, we hold 16 funds total. I feel I am able to manage 16 funds. 4 of them are in taxable accounts that have unrealized cap gains so these are ideally to be left untouched for heirs to get a stepped up basis, they are big FTSE index, small FTSE index, Large Cap Index, and Fidelity Spartan...
by SpringMan
Thu Jan 08, 2015 9:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund vs. 3 Fund Portfolio
Replies: 42
Views: 3889

Re: Why but total international and not each country?

Expenses would be higher and complexity would greatly increase. There could be a problem being market cap weighted in foreign equities too.
by SpringMan
Tue Jan 06, 2015 10:40 am
 
Forum: Investing - Theory, News & General
Topic: Why buy total international and not each country?
Replies: 21
Views: 2274

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

TurboTax Premiere is now free for Flagship clients. Thank you Vanguard. I just downloaded and installed today, Jan 5th.

I see this was mentioned in some of the previous posts. Sorry for the redundancy.
by SpringMan
Mon Jan 05, 2015 11:13 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 203
Views: 28219

Re: Annuity into Roth?

Annuities cannot be rolled into an IRA of any type or to a qualified employer plan. To avoid taxes on the surrender of an annuity, the annuity owner is limited to an exchange under Sec 1035: https://www.immediateannuities.com/1035-annuity-exchanges/ Of course, the result is another insurance produc...
by SpringMan
Sun Jan 04, 2015 5:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Annuity into Roth?
Replies: 6
Views: 607

Re: Yet another study on why not to buy long term care insur

Jim Cramer's story about his dad's LTCi. When he had a stroke three years ago and needed round-the-clock help, we had to fight those sons of bitches who wrote the policies to get the money they owed him to pay the nurse. I hate those guys because they tried to beat their obligations. We wouldn't let...
by SpringMan
Sun Jan 04, 2015 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yet another study on why not to buy long term care insurance
Replies: 61
Views: 4483

Re: What are you up YTD?

I was up only 4.8% with a portfolio that was about 37% equities. Calculated from Jan 1, 2014 to Jan 1, 2015. I am neither in accumulation stage nor the withdrawal stage since our living expenses are covered by SS and a small pension. I did take some taxable dividends but accounted for those.
by SpringMan
Sun Jan 04, 2015 9:37 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 271
Views: 30094

Re: Poll: How long have you been with your current AA?

Less than 6 months, we consolidated some Fidelity accounts moving them to Vanguard. Stock to bond ratio has remained the same but many funds are different. Total expense ratio went from .26% to .18% as a result of having access to Vanguard funds. We are indexed in our taxable accounts with some acti...
by SpringMan
Sat Jan 03, 2015 9:23 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: How long have you been with your current AA?
Replies: 44
Views: 2478

Re: Vanguard's best fund: Healthcare?

Lots of folks (myself included) can't get into PRIMECAP funds through Vanguard, however, they have a fund called odyssey aggressive growth that is managed by the same team. Does anybody know about this fund, or have it themselves? Its performance has been similar to PRIMECAP though. Vanguard. I saw...
by SpringMan
Sat Jan 03, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7030

Re: Vanguard's best fund: Healthcare?

Owned the fund for many years till Owens retired. Bought back into VGHAX a couple of year ago and will probably keep it forever; along with PRIMECAP investor Agree about Primecap, I like Primecap management and own VPMAX (Primecap) and VHCAX (Capital Opportunity). Their growth tilts offset nicely t...
by SpringMan
Sat Jan 03, 2015 1:54 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7030

Re: Flagship [Switch Vanguard Financial Advisor]

My experience is that my Flagship representative is not the one that gives financial advice. They are more of an experienced customer service rep that coordinates with the CFPs that actually dispense advice. I have talked to CFPs a few times and never once had the same person twice. I have had only ...
by SpringMan
Sat Jan 03, 2015 1:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Flagship [Switch Vanguard Financial Advisor]
Replies: 8
Views: 1554

Re: Vanguard's Personal Advisor Recommendations

This service sounds reasonable at 40 basis points, I think it is fairly new. I am also curious to what they do as my spouse has no interest. If all they do is put everything in a target date fund of life strategy fund, then we can save the 40 b.p. and do it ourselves. I would want all taxable funds ...
by SpringMan
Sat Jan 03, 2015 10:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Personal Advisor Recommendations
Replies: 14
Views: 2945

Re: new commodity ETF PDBC

I recently had an hour long portfolio review with a company called Personal Capital. I was not totally diversified because that there were no commodities what so ever. If you ever listen to a podcast by Ron DeLegge on index investing you will hear commodities are necessary to be totally diversified....
by SpringMan
Fri Jan 02, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: new commodity ETF PDBC
Replies: 6
Views: 702

Re: question about vanguard account page

Vanguard is in the process of converting all accounts to brokerage accounts. Brokerage accounts allow purchasing ETFs, individual stocks and non Vanguard mutual funds. The Vanguard account allows purchasing Vanguard mutual funds only. In the past, if you held ETFs and Vanguard funds, you had two acc...
by SpringMan
Thu Jan 01, 2015 9:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: question about vanguard account page
Replies: 2
Views: 452

Re: International - good for diversification, bad for return

This has been true regarding International but I have even a harder time warming up to Commodities which is considered an asset class needed to call yourself diversified by many advisors. In both cases, it may be recency bias at play.
by SpringMan
Thu Jan 01, 2015 6:46 pm
 
Forum: Investing - Theory, News & General
Topic: International - good for diversification, bad for returns?
Replies: 43
Views: 4877

Re: What did you enjoy spending money on this year?

I purchased my first Macintosh, a new 13" Retina Macbook Pro with an Intel i7, 8 GB of RAM and a 512 SSD. B & H had a one day sale on it offering $500 off. I was looking at the Macbook Air but the sale made the Macbook pro a better deal. Love it so far. Installed the free Apache OpenOffice ...
by SpringMan
Thu Jan 01, 2015 6:39 pm
 
Forum: Personal Consumer Issues
Topic: What did you enjoy spending money on this year?
Replies: 92
Views: 5939

Re: Vanguard's best fund: Healthcare?

I missed the boat on this fund. Wife had it for years and sold it a few years ago. I am tempted but fear my temptation is due to recency bias and I fear reversion to the mean. Affordable care act has been favorable to health care funds IMO. With the GOP holding a majority in both houses of congress,...
by SpringMan
Thu Jan 01, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's best fund: Healthcare?
Replies: 60
Views: 7030

Re: Need Vanguard ETF alternative to FBALX - FIDELITY BALANC

Fidelity Puritan fund, FPURX, is almost identical to Fidelity Balanced fund and is an alternative but no better IMO.
by SpringMan
Thu Jan 01, 2015 5:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Need Vanguard ETF alternative to FBALX - FIDELITY BALANCED
Replies: 7
Views: 946

Re: JAGIX alternatives (FDFFX)?

The529guy wrote:Welcome! What are JAGIX, DODIX, FAGIX, and FDFFX?

They are Janus Growth and Income, Dodge and Cox Income, Fidelity Capital and Income, and Fidelity Independence Fund respectively. Of those I like best the DODIX bond fund.
by SpringMan
Thu Jan 01, 2015 5:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: JAGIX alternatives (FDFFX)?
Replies: 7
Views: 693

Re: Stacked up some more silver bullion today

I recently picked up about $10K of the ETF. SLV, at 14.98. It immediately went up $500 and then went back down $400, I am slightly in the black. I don't own any other commodities and thought SLV was at a good entry point. Now it feels more like clutter in my portfolio. It does not pay dividends. I a...
by SpringMan
Thu Jan 01, 2015 5:02 pm
 
Forum: Investing - Theory, News & General
Topic: Stacked up some more silver bullion today
Replies: 86
Views: 11022

Re: Rick Ferri looking to internationalize his portfolio

vencat wrote:Isn't this called tactical asset allocation. or may be even market timing??

That was my thought too. It really surprises me that this is coming from Rick. Not to say such a move may not turn out to be good from a market timing point of view.
by SpringMan
Thu Jan 01, 2015 1:07 pm
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 231
Views: 26760

Re: How to use Vanguard Portfolio Watch for rebalancing

I can add my opinion on Personal Capital since I linked up all investment accounts. Personal Capital is free and works well as an aggregator. They make their money from those allowing them to manage their portfolio for which they charge about 3/4 of a percent depending on assets under management. Th...
by SpringMan
Thu Jan 01, 2015 12:51 pm
 
Forum: Investing - Theory, News & General
Topic: How to use Vanguard Portfolio Watch for rebalancing
Replies: 32
Views: 8574

Re: Protecting your Windows system from malware

Last year I bought a new HP Pro 13 inch laptop with Windows 7 installed and Win 7 and 8 optical disks, laptop had no optical drive. I became infected with browser hijacks. I owe a thank you to a free program called "malwarebytes", it cleared up all my problems. I highly recommend it short ...
by SpringMan
Tue Dec 30, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Protecting your Windows system from malware
Replies: 44
Views: 5176
Next

Return to advanced search