Search found 4661 matches

by SpringMan
Fri Aug 28, 2015 4:36 pm
Forum: Investing - Theory, News & General
Topic: Exchanging funds in ira
Replies: 7
Views: 433

Re: Exchanging funds in ira

Vanguard does not have such funds in their product line. If you have a Vanguard Brokerage account, you can purchase non Vanguard ETFs that short the market or various sectors. I personally do not use or recommend such strategies. Here is a link to one such provider. http://www.direxioninvestments.com/
by SpringMan
Fri Aug 28, 2015 4:22 am
Forum: Investing - Theory, News & General
Topic: Exchanging funds in ira
Replies: 7
Views: 433

Re: Exchanging funds in ira

Exchanging from one fund to another in a Roth or a traditional IRA is not a taxable event, It still is a buy or sell. Exchanging tax deferred money from a traditional IRA into a Roth IRA is considered a conversion and will be taxable. Also if you sell a fund in a taxable account for a tax loss, you ...
by SpringMan
Thu Aug 27, 2015 8:37 am
Forum: Investing - Theory, News & General
Topic: VHT down 27% - Glitch or missed opportunity
Replies: 59
Views: 5325

Re: VHT down 27% - Glitch or missed opportunity

I use VV to track VLACX, large cap index. VV was subject to the mini-flash crash as well. It appeared to be down over 30% during the same time VHT was miss-priced. This type of behavior is reason to prefer mutual funds over ETFs IMO.
by SpringMan
Wed Aug 26, 2015 9:00 am
Forum: Investing - Help with Personal Investments
Topic: I made a mistake, how do I make the best of it? [Tax gain harvesting]
Replies: 18
Views: 2129

Re: I made a mistake, how do I make the best of it?

"I plan on buying the original funds back in 2 months (to avoid redemption fee). This will reset my cost basis." Assuming your account is at Vanguard, there will be no redemption fee. You are locked out of buying online the same fund in the same account for 60 days. You get around this by ...
by SpringMan
Tue Aug 25, 2015 10:58 am
Forum: Investing - Theory, News & General
Topic: [spurned advisor purports there is a Vanguard] Class Action Suit?
Replies: 43
Views: 3761

Re: [spurned advisor pretends there is a Vanguard] Class Action Suit?

I thought it was a bit of a low-class move to make a statement like that unless he had actual proof to back it up. We'll see if he shares anything along those lines. In the mean time, on behalf of other potential prey, I'd like to thank TinyElvis for keeping his advisor distracted and focused on qu...
by SpringMan
Mon Aug 24, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: TLH - FSGDX to FSIVX?
Replies: 8
Views: 340

Re: TLH - FSGDX to FSIVX?

flyingaway wrote:Will the automatically reinvested shares be subjected to the 1% redemption fees?
Not automatically reinvested dividends/capital gains but automatic reinvestment programs where you invest at regular time intervals will be subjected to redemption fees.
by SpringMan
Sun Aug 23, 2015 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity Small-Cap Value (FCPVX) closed to new investors?
Replies: 5
Views: 617

Re: Fidelity Small-Cap Value (FCPVX) closed to new investors?

FCPVX is not and has never been an index fund nor one of Fidelity's Spartan funds. It is an actively managed fund with an expense ratio of 1.09%. Fidelity does have a Spartan Small-Cap fund, FSSPX/FSSVX, FSSVX requires a 10K minimum and currently has an expense ratio of .09% after reductions. Fideli...
by SpringMan
Sat Aug 22, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Loss in portfolio makes me spend more, do you ?
Replies: 30
Views: 2191

Re: Loss in portfolio makes me spend more, do you ?

No, just the opposite, I cut back. Am retired, no longer in accumulation phase, so maybe that is the difference? I'm not as rich as I used to be, drat! In fact, I am 5.5% less rich. Just deleted my "Wish lists" at the two home improvement sites, stuff to re-decorate some rooms that I real...
by SpringMan
Sat Aug 22, 2015 4:20 pm
Forum: Investing - Theory, News & General
Topic: A warning on RBDs [Really Bad Days]
Replies: 46
Views: 6315

Re: A warning on RBDs [Really Bad Days]

I agree with those that say a RBD is not in and of itself a reason to make any changes. On the other hand there is nothing wrong with rebalancing if the drop in stocks results in your stock to bond ratio being out of alignment.
by SpringMan
Fri Aug 21, 2015 3:33 pm
Forum: Investing - Theory, News & General
Topic: anyone treating this as an RBD (really bad day)
Replies: 95
Views: 9687

Re: anyone treating this as an RBD (really bad day)

The last two days combined IMO equate to one RBD. I did some rebalancing today moving 10K of Vanguard High Yield bond fund into Vanguard Total Stock Market Index fund.
by SpringMan
Wed Aug 19, 2015 11:41 am
Forum: Investing - Theory, News & General
Topic: Bogle: retirees should focus on dividends
Replies: 139
Views: 11853

Re: Bogle: retirees should focus on dividends

I hear about so called "mailbox money", be it social security or dividends. This seem like a yesteryear concept in this day and age. Does anybody get these checks in their mailbox, then drive to their bank to physically deposit them? Makes no sense to me. We get our checks directly deposit...
by SpringMan
Mon Aug 17, 2015 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard brokerage settlement speed?
Replies: 7
Views: 628

Re: Vanguard brokerage settlement speed?

My understanding is that once Vanguard converts your account to a VBS (Brokerage) account the previous restriction requiring waiting for the ETF settlement date before buying a Vanguard mutual fund has been lifted. I have not tried this but was told by a Vanguard rep it is one advantage of having th...
by SpringMan
Mon Aug 17, 2015 8:42 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced or LifeStrategy Moderate?
Replies: 17
Views: 1980

Re: Vanguard Balanced or LifeStrategy Moderate?

wellington = active management. I would avoid. Between the other two, it is a flip of the coin. If you can't decide, put half your money in each. Then you might feel better. In the end, it probably doesnt matter as long as you don't touch the money I would not rule out Wellington if you can afford ...
by SpringMan
Sun Aug 16, 2015 9:36 am
Forum: Personal Consumer Issues
Topic: Laptop Recommendation
Replies: 41
Views: 3044

Re: Laptop Recommendation

shanefairman wrote:Howdy,
As for RAM you should have 4GB minimum. I like to see 8GB but you can already upgrade RAM later if you need to.

Do make sure you can upgrade the RAM afterwards or else buy your desired amount upfront. More and more manufacturers are soldering in RAM.
by SpringMan
Sun Aug 16, 2015 7:58 am
Forum: Personal Consumer Issues
Topic: Cell Phone Reception
Replies: 34
Views: 2298

Re: Cell Phone Reception

My experience is Verizon has the best coverage when in remote areas. Verizon is also high cost but if you use a Verizon MVNO such as PagePlus Cellular, you can use Verizon's network for as little as $10 per 4 months. That $10 price is for a so called dumb phone but there are smart phone plans that u...
by SpringMan
Wed Aug 12, 2015 10:08 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

Glad to hear someone had success with iTunes. My problems stem back to Win 7 and I have also upgraded iTunes several times too. Others have experienced problems, I am not alone. The run as admin advice was from an Apple forum. By the way, I still have problems sharing files in Win 10 over my home ne...
by SpringMan
Wed Aug 12, 2015 5:05 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

Another Win 10 issue, iTunes is broken after upgrade. It was not good in Win 7 either but worse in Win 10. Just to run it now you need to right click and run as administrator even though logged on as an admin. I don't blame Win 10, I blame Apple's iTunes, it is junk. Album art, forget about it on yo...
by SpringMan
Tue Aug 11, 2015 5:15 am
Forum: Investing - Theory, News & General
Topic: What is going on out there?
Replies: 43
Views: 6262

Re: What is going on out there?

China devalued their yuan. That seems to be the root cause of the volatility this time.
by SpringMan
Mon Aug 10, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Does the Three Fund Portfolio need a roboadviser?
Replies: 65
Views: 5170

Re: Does the Three Fund Portfolio need a roboadviser?

The best roboadvisor is a Vanguard Target Date or LifeStrategy fund. I think most people are capable of learning how to annually rebalance a 3-fund portfolio. Not necessarily, for those with significant taxable accounts Target Date or LifeStrategy funds are not tax efficient. There is not opportuni...
by SpringMan
Thu Aug 06, 2015 12:49 pm
Forum: Investing - Theory, News & General
Topic: Managed Payout vs. Target Income
Replies: 13
Views: 843

Re: Managed Payout vs. Target Income

I don't like Managed Payout either and agree Target Retirement Income is better. I also like Wellesley Income. We are retired, both age 68 and have a 40/60 overall portfolio which is 50% index funds and 50% actively managed. That sounds like a simple and good plan, are you drawing 4% off that? Not ...
by SpringMan
Thu Aug 06, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: Managed Payout vs. Target Income
Replies: 13
Views: 843

Re: Managed Payout vs. Target Income

I don't like Managed Payout either and agree Target Retirement Income is better. I also like Wellesley Income. We are retired, both age 68 and have a 40/60 overall portfolio which is 50% index funds and 50% actively managed.
by SpringMan
Thu Aug 06, 2015 11:11 am
Forum: Personal Consumer Issues
Topic: iPad - usefulness?
Replies: 53
Views: 3768

Re: iPad - usefulness?

My wife loves her iPad, she plays games on it. I bought a Barnes and Noble Nook for myself, the HD+ larger one. Used it for a short time and grew tired of it. It is very slow and has an ancient version of android. Went to Gazelle, a site that buys used equipment and they don't even want it. They do ...
by SpringMan
Thu Aug 06, 2015 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Consumer Reports Makes Significant Changes to Car Buying Service
Replies: 19
Views: 2616

Re: Consumer Reports Makes Significant Changes to Car Buying Service

Thanks for the warning. I never put much stock in their recommendations. This reminds me of the time I requested medigap information online from one source. For the next three weeks I was bombarded with aggressive sales people from all sorts of insurance companies. Some of which were very annoying. ...
by SpringMan
Tue Aug 04, 2015 11:55 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Solutions [Return volatility - how long to decide on long-term results?]
Replies: 17
Views: 1003

Re: Portfolio Solutions

itstoomuch wrote:For context, Just what is the portfolio size? :confused

No need to give your exact portfolio size but the point is given absolute dollar losses rather than a percentage is meaningless. I am down about 1.5% from recent highs. How much in absolute dollars is going to depend on the size.
by SpringMan
Tue Aug 04, 2015 9:47 am
Forum: Personal Consumer Issues
Topic: New Vanguard logout procedure
Replies: 7
Views: 1149

Re: New Vanguard logout procedure

I still have logoff as an option on the top bar right hand side, no change I can perceive. I am using Chrome browser.
by SpringMan
Sat Aug 01, 2015 9:16 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

Upgraded my wife's new computer yesterday. There are two problems I have identified: 1. My wife's old desktop computer is running Windows 7. Several login accounts are set up for family members and guests. None have passwords required for login. This is not possible with Windows 10. I had to set it...
by SpringMan
Fri Jul 31, 2015 11:15 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

Well, yeah, I was incorrect, if you want a slow computer with hardly any storage, 128 gig, are you serious? A few hundred pictures and its to capacity. I haven't seen that low of HD storage space since 1990s. My claim of $1300 for a workable Mac laptop still stands with an upgrade of 8 gig of ram a...
by SpringMan
Thu Jul 30, 2015 1:41 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

One issue I have noticed after updating two machines is file sharing from the updated machine to a legacy Win 7 machine. The legacy machine wants the account and password entered and even though I enter it correctly, it complains about the password. Once my third machine is updated I hope this probl...
by SpringMan
Wed Jul 29, 2015 4:27 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

I upgraded a Win 7 32 bit home desktop and a Win 7 64 bit pro laptop today, both went smoothly. A third Win 7 home 64 bit laptop I wanted to upgrade was not yet allowed because Microsoft is staging the upgrade.
by SpringMan
Tue Jul 28, 2015 8:34 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

Refurb macs with full warranty are even cheaper yet, starting at just over $400: http://www.apple.com/shop/browse/home/specialdeals/mac There's really hardly any reason to stick with Windows. I agree but those $400 macs are mac minis, not laptops. The B&H laptop computer is not refurbished, tho...
by SpringMan
Tue Jul 28, 2015 7:13 pm
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 329
Views: 28226

Re: Free Windows 10 Upgrade, Yes or No?

I agree if you have the money for their expensive products. I could afford them but I did not want to pay excessively high prices. $1300 for their cheapest laptop, http://store.apple.com/us/buy-mac/macbook/gold-256gb?afid=p238%7CjSTalTPw-dc_mtid_1870765e38482_pcrid_57185079010_&cid=aos-us-kwg-p...
by SpringMan
Tue Jul 28, 2015 8:40 am
Forum: Personal Consumer Issues
Topic: FWD vs AWD (Vehicle)
Replies: 76
Views: 3785

Re: FWD vs AWD (Vehicle)

I agree with those that said 4WD>AWD>FWD>RWD. Of course tires do make a difference. Personally I like AT style tires, I believe AT is short for All Terrain. They are more aggressive than all season / all purpose but less aggressive than MT which is short for Mud Terrain. I drive a 4WD Silverado pick...
by SpringMan
Sun Jul 26, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: 50/50 asset allocation
Replies: 69
Views: 5979

Re: 50/50 asset allocation

I wonder why Vanguard doesn't offer a 50/50 all in one fund. Do you think 60/40 is a good compromise if that is the route I want to go. I personally think the Vanguard retirement Income funds with only 30% in stocks is not enough to keep up with inflation and/or leave some behind to your heirs and ...
by SpringMan
Tue Jul 21, 2015 10:52 am
Forum: Investing - Theory, News & General
Topic: The Danger of higher-yielding bond funds
Replies: 62
Views: 4774

Re: The Danger of higher-yielding bond funds

Bogleheads, With bonds, higher yield almost always means higher risk. Bonds are for safety and income. Keep investing simple. I believe you are a fan of Boglehead author Rick Ferri, as am I. Rick recommends an allocation to Vanguard's high yield bond fund as part of ones bond allocation. I am with ...
by SpringMan
Sun Jul 19, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: "Behind Vanguard's Surprising China Decision"
Replies: 22
Views: 4166

Re: "Behind Vanguard's Surprising China Decision"

I am happy to see that Vanguard's FTSE All World ex US and FTSE All World ex US Small Cap funds are not expanding to include China A shares. I tax loss harvested Vanguard Total International and bought these two funds with the proceeds and now have sizable unrealized capital gains.I prefer avoiding ...
by SpringMan
Wed Jul 08, 2015 4:32 pm
Forum: Investing - Theory, News & General
Topic: Suze Orman Show Summary
Replies: 55
Views: 7675

Re: Suze Orman Show Summary

I watched her shows a few times, and she annoys the heck out of me, mostly her personality. She obviously caters to an audience that is clueless, but some of the advice is just odd. I remember her mentioning that if you opened up a Roth and averaged a 12% return over 30 years you would have x$. Who...
by SpringMan
Tue Jul 07, 2015 2:51 pm
Forum: Investing - Help with Personal Investments
Topic: Suitability of FSGDX for personal investment account
Replies: 17
Views: 886

Re: Suitability of FSDGX for personal investment account

Another reason it is better to place FSGDX in a tax advantaged account is the expense ratio is currently capped. If that cap is removed and you have unrealized capital gains, you may feel trapped with the higher expense ratio. By the way, the OP should correct the symbol in the title as FSDGX is an ...
by SpringMan
Tue Jul 07, 2015 8:38 am
Forum: Investing - Theory, News & General
Topic: "Vanguard's recommended international allocation."
Replies: 63
Views: 6831

Re: "Vanguard's recommended international allocation."

Vanguard's Portfolio Watch Tool recommends between 30 and 50 percent. I have 28% and get flagged with a "Consider" alert to add additional foreign stocks. This is fairly new in that in the more distant past I was not flagged having only 28%. I have learned to ignore Vanguard's alerts. Addi...
by SpringMan
Tue Jun 30, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 45
Views: 5785

Re: Best Cell Plan?

jayjayc wrote:Republic Wireless uses Sprint's network.

edit: https://republicwireless.com/faqs/

Yes but fortunately domestic roaming is free. This is different than say Virgin Mobile which uses Sprint but with no roaming. Sprint coverage is poor.
by SpringMan
Sun Jun 28, 2015 10:51 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9148

Re: MacBook Pro Worth the money?

Non7WoodUser wrote:Update: Went with a Dell Laptop. Got 17" 1080p display, 4 USB ports, Bluetooth, 16 gigs of ram, etc. for half the price of an equivalent Mac.

And more over there is no equivalent Mac laptop in their current lineup. Apple no longer makes 17" laptops.
by SpringMan
Sun Jun 28, 2015 9:34 am
Forum: Personal Consumer Issues
Topic: Upgrading to Windows 10?
Replies: 23
Views: 2602

Re: Upgrading to Windows 10?

I plan to upgrade from Win 7 to Win 10. I think Microsoft might let any legal Win 8 upgrade though it may not be specifically mentioned. Nobody can say absolutely one way or the other. Do you see the Windows 10 upgrade icon in your system tray? I have 3 versions of Win 7 (32 bit home, 64 bit Home, 6...
by SpringMan
Sat Jun 27, 2015 2:28 pm
Forum: Investing - Theory, News & General
Topic: "Target Date Funds Are Riskier Than You Think"
Replies: 45
Views: 7098

Re: "Target Date Funds Are Riskier Than You Think"

Happily, Vanguard does not double charge, though they do (from necessity) use "Investor" share classes. What exactly is the necessity? The Vanguard Balanced Index fund has Admiral class shares. Why can't there be Admiral share classes of the target funds? (Or the Life Strategy funds, for ...
by SpringMan
Fri Jun 26, 2015 4:13 pm
Forum: Investing - Theory, News & General
Topic: "Fight Financial Clutter"
Replies: 8
Views: 1458

Re: "Fight Financial Clutter"

This is a non issue with app's like Personal Capital in the picture. But hey, to each his own. I assume you are talking about the parts of Personal Capital that are free. In that case it is an okay account aggregator but nothing most brokerages don't already provide. Giving your assets over to Pers...
by SpringMan
Fri Jun 26, 2015 2:35 pm
Forum: Investing - Theory, News & General
Topic: Bogleheads are more aggressive...
Replies: 57
Views: 6705

Re: Bogleheads are more aggressive...

Could it be that because bonds are facing interest rate head winds that some have scaled back their bond percentage? Regarding Mr. Bogle's recommendation of age in bonds, I have always found it confusing that he recommends including Social Security and pension income when determining bond allocation...
by SpringMan
Fri Jun 26, 2015 10:55 am
Forum: Investing - Help with Personal Investments
Topic: Convert tIRA to Roth, or not?
Replies: 7
Views: 694

Re: Convert tIRA to Roth, or not?

I would convert in years your husband's income is low and not necessarily all at once. I am approaching the age where RMDs are required and it looks like they will force me into the highest tax bracket. Roths were not an option during most of our accumulating years, wish they had been. Have been con...
by SpringMan
Fri Jun 26, 2015 10:44 am
Forum: Investing - Theory, News & General
Topic: Did 2008 change your investing strategy?
Replies: 58
Views: 5522

Re: Did 2008 change your investing strategy?

I went from 60/40 to 40/60 but not until the market recovered. I am now age-8 in bonds which seems appropriate for me.
by SpringMan
Thu Jun 25, 2015 4:28 pm
Forum: Investing - Theory, News & General
Topic: Why do Bogleheads/BiggerPocketers think there is only one way?
Replies: 123
Views: 14673

Re: Why do Bogleheads/BiggerPocketers think there is only one way?

BiggerPockets has it's own podcast. I listen to it because there is not a BH podcast, yet. Clark Howard is pretty much a Boglehead and has a daily podcast. He may be even cheaper than most Bogleheads. Also Paul Merriman does occasional podcasts. He has both a buy and hold Boglehead portfolio and a ...
by SpringMan
Wed Jun 24, 2015 3:40 pm
Forum: Investing - Help with Personal Investments
Topic: Investment Grade vs Corporate bond fund
Replies: 8
Views: 802

Re: Investment Grade vs Corporate bond fund

VICSX has a .25% purchase fee, that would discourage me or I would look at the ETF, VCIT.
by SpringMan
Wed Jun 24, 2015 11:23 am
Forum: Personal Consumer Issues
Topic: MacBook Pro Worth the money?
Replies: 79
Views: 9148

Re: MacBook Pro Worth the money?

I am a fan of both Apple and Windows machines and own both. I dislike soldiered RAM in either platform. Apple charges a premium for RAM and gets away with it because it the user can not do an after market upgrade. This is not true with all Apple products, iMacs still allow upgrades as do the Macpro ...

Go to advanced search