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Re: Vanguard launches new offering ... [Vanguard merchandise

I ordered two Vanguard ceramic cups and the T-shirt with the "Retiree in training" logo. I like the idea of the travel mug but did not care for the logo stating "I have a handle on my finances but not on my cup". It sounds a bit arrogant to say I have a handle on anything.
by SpringMan
Sat Nov 22, 2014 4:07 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 90
Views: 9003

Re: fidelity refusing custodian custodian rollover

^Did Vanguard charge a fee to sell those Fidelity funds? Will Vanguard accept Fidelity Spartan Advantage funds in-kind? Vanguard will allow Fidelity Spartan Advantage funds to transfer in-kind. In my case in was from a Fidelity IRA to a Vanguard IRA, no 401k was involved. Vanguard will charge for t...
by SpringMan
Fri Nov 21, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2781

Re: FTBFS vs FBIDX?

Since your goal is capital appreciation FTBFX makes sense. If your goal was using bonds as a ballast to offset stocks should stocks drop significantly, then FBIDX (FSITX) makes more sense. Neither choice is bad. Bogleheads would likely choose the index fund because it has a lower expense ratio.
by SpringMan
Thu Nov 20, 2014 3:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: FTBFS vs FBIDX?
Replies: 2
Views: 307

Re: Vanguard Split Acct - did I cause this? (NOT)

You should be able to exchange online from one Roth to the other Roth using the same exact fund. Hopefully that would clear up the problem. I have done a Roth conversion from a traditional IRA to a Roth IRA by doing a fund exchange so I assume it would work even if both were Roths.
by SpringMan
Thu Nov 20, 2014 11:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Split Acct - did I cause this? (NOT)
Replies: 23
Views: 1809

Re: Vanguard launches new offering ... [Vanguard merchandise

Anybody know how to get a promotion code? Apparently there are codes that can be entered for saving on checkout. Could be a flagship perk now that free TurboTax Deluxe is rendered worthless because it no longer includes Schedule D. I could use coffee cup and hat.
by SpringMan
Wed Nov 19, 2014 2:08 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard launches new offering ... [Vanguard merchandise]
Replies: 90
Views: 9003

Re: Poll: Net cost of your checking account annually?

I voted $0 but I feel there is a big cost in missed opportunity. I tend to keep more money in checking than necessary, money that would likely do better being invested.
by SpringMan
Wed Nov 19, 2014 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: Net cost of your checking account annually?
Replies: 44
Views: 2234

10 Reasons why Merriman dislikes Total Stock Mkt

I was surprised to hear this coming from Paul Merriman. I guess he is a Dimensional Funds fan boy.
http://paulmerriman.com/podcasts/
by SpringMan
Wed Nov 19, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: 10 Reasons why Merriman dislikes Total Stock Mkt
Replies: 81
Views: 7284

Re: Apple Stores - do they try to be awful?

Apple stores are awful compared to what? Certainly not when compared to Dell or HP support. At least there is some place like an Apple store to go to. They are also better in my opinion than Best Buy's Geek Squad. Microsoft now has some stores but not as many. Don't have any knowledge on support by ...
by SpringMan
Tue Nov 18, 2014 5:54 pm
 
Forum: Personal Consumer Issues
Topic: Apple Stores - do they try to be awful?
Replies: 41
Views: 2890

Re: Jack Bogle says VTBMX + VICSX?

VBILX would be a good choice for a single fund that is consistent with Bogle's advice except that it's duration of 6.5 years is longer than VICSX's (VFIDX's) 5.3 and VTBMX's 5.6. That is why I would prefer a combination of the latter two. VICSX has 6.4 year average duration according to Vanguard (6...
by SpringMan
Tue Nov 18, 2014 2:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: Jack Bogle says VTBMX + VICSX?
Replies: 15
Views: 2235

Re: James Advantage Funds

GLRIX is the institutional share class of GLRBX. It takes 50K minimum to qualify. I own some in our Fidelity account. It is expensive at .79% but otherwise a good fund.
by SpringMan
Tue Nov 18, 2014 2:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: James Advantage Funds
Replies: 3
Views: 405

Re: ETF=passive, while mutual funds (including index) = acti

You are correct and the former Fidelity employee is wrong. Not all ETFs are passive, some are actively managed, for example Pimco's BOND ETF. In the case of Vanguard, their ETFs are simply a different share class of their corresponding index fund.
by SpringMan
Sun Nov 16, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: ETF=passive, while mutual funds (including index) = active ?
Replies: 7
Views: 764

Re: Harry's razors

I switched to Harry's. Started with the $15 kit with razor, 3 blades, and shaving cream in a tube. I just ordered a 15 pack of blades for $25. Those prices include shipping, and no tax. I am happy with the products. I admit I have not tried any alternatives mentioned in this thread. One trick to pro...
by SpringMan
Sat Nov 15, 2014 1:29 pm
 
Forum: Personal Consumer Issues
Topic: Harry's razors
Replies: 53
Views: 4901

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

This is bad news for those that have used Vanguard's free TurboTax offer for TurboTax Deluxe. I think Schedule D is needed by most of us.
by SpringMan
Sat Nov 15, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 66
Views: 7205

Re: New Tony Robbins Book on Financial Freedom

I can not believe that walking on hot coals won't burn your feet.
http://www.oprah.com/own-oprahs-next-ch ... Fire-Video
by SpringMan
Sat Nov 15, 2014 10:17 am
 
Forum: Investing - Theory, News & General
Topic: New Tony Robbins Book on Financial Freedom
Replies: 58
Views: 10385

Re: fidelity refusing custodian custodian rollover

The time limit you have to deposit the money into an IRA if you do get a check is 60 days, not just 30. It is still much better to have it go custodian to custodian. I would first roll it over to a Fidelity IRA and later move it to Vanguard as mentioned above.
by SpringMan
Sat Nov 15, 2014 7:48 am
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2781

Re: Does Fidelity charge for additional monies to existing f

Set up an automatic investment program at Fidelity and it will only cost 5 bucks to reinvest, then cancel it after the first reinvestment.
by SpringMan
Wed Nov 12, 2014 8:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Fidelity charge for additional monies to existing fund?
Replies: 6
Views: 538

Re: VEXAX IN ROTH

VEXAX is Vanguard Extended Market Index admiral and VTIAX is Vanguard Total International admiral. Both are fine funds when used to develop a portfolio. As said above, it is not really possible to comment upon the appropriateness of these two funds out of full context. I can say VTIAX is a good fund...
by SpringMan
Tue Nov 11, 2014 10:58 am
 
Forum: Investing - Theory, News & General
Topic: VEXAX IN ROTH
Replies: 6
Views: 476

Re: MFO's David Snowball's Blunt Observation on Index Funds

I suspect a better dichotomy is this: disciplined, cost-effective portfolios versus undisciplined, cost-maximizing ones. Many but not all passive products fall in the former. Many but not all active products fall in the latter. Those observations underlie our conclusion that 80% of all funds, activ...
by SpringMan
Sat Nov 08, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: MFO's David Snowball's Blunt Observation on Index Funds
Replies: 17
Views: 2090

Re: When do you buy a new home computer?

I enjoy technology and don't mind spending more than absolutely necessary on computers. When my Sony laptop had a problem where the screen blanked out when opening it 85 degrees or more, I gave it away to a son that uses it with an external monitor. The Sony works perfect using the external monitor....
by SpringMan
Sat Nov 08, 2014 9:41 am
 
Forum: Personal Consumer Issues
Topic: When do you buy a new home computer?
Replies: 52
Views: 3993

Re: Most boglehead off-road vehicle?

New for 2015 in the U.S. is the Jeep Renegade. Should be available January starting below 20K.
by SpringMan
Thu Nov 06, 2014 9:08 pm
 
Forum: Personal Consumer Issues
Topic: Most boglehead off-road vehicle?
Replies: 44
Views: 2080

Re: Morbid Question

Vanguard offers their services to manage your portfolio for 30 basis points. In event of me becoming incapacitated or worse, my spouse has my permission to give Vanguard the reins. 30 basis points added to Vanguard's low expense ratios won't be so bad. In the meantime, for better or worse, I do it m...
by SpringMan
Wed Nov 05, 2014 3:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Morbid Question
Replies: 28
Views: 4027

Re: What do you set your thermostat to (in F)?

68 nights, 70 days.
by SpringMan
Tue Nov 04, 2014 6:20 pm
 
Forum: Personal Consumer Issues
Topic: What do you set your thermostat to (in F)?
Replies: 81
Views: 4457

Re: Beware Vanguard DOES NOT update all your account values

OTOH, if Vanguard can produce the correct prices for mutual funds whether Vanguard funds or non-Vanguard funds, then Vanguard should be able to produce the correct prices for ETFs whether Vanguard ETFs or non-Vanguard ETFs and that should happen whether Vanguard goes external or stays internal. I s...
by SpringMan
Sat Nov 01, 2014 11:36 am
 
Forum: Investing - Theory, News & General
Topic: Beware VG DOES NOT update all your account values [UPDATE]
Replies: 61
Views: 7000

Re: What are you up YTD?

I am up 3.8% as of Halloween on a 40/60 portfollio. No additions of subtractions so it was an easy calculation.
by SpringMan
Fri Oct 31, 2014 11:52 am
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 213
Views: 18599

Re: Does the future of exp ratios factor into your decision?

Fidelity often has expense ratios that are capped. For example, FSIVX, Spartan International advantage, has an exp ratio of.17% but is currently capped at .12%. I happen to own it in a taxable account. If Fidelity eliminates the cap, I won't be happy but will likely hold the fund due to embedded unr...
by SpringMan
Fri Oct 31, 2014 11:10 am
 
Forum: Investing - Theory, News & General
Topic: Does the future of exp ratios factor into your decision?
Replies: 21
Views: 1095

Re: Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order progr...
by SpringMan
Fri Oct 31, 2014 8:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 2232

Re: Joint accounts or separate accounts for married couples?

I was expecting a discussion on the tax (step-up) consequences of either. We have just joint accounts, but that will mean only 1/2 step-up (different for community property states) after death of one spouse. I don't see it as a critical concern, but am wondering if it would have been better to have...
by SpringMan
Thu Oct 30, 2014 10:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4608

Re: Joint accounts or separate accounts for married couples?

If one partner of a husband and wife joint account passes away, does the remaining partner get a stepped up cost basis on 50% of the account? Seems like they would but if not, this would be an incentive for separate accounts.
by SpringMan
Thu Oct 30, 2014 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 59
Views: 4608

Re: Men's Personal Hygiene Products

I have recently converted to Harry's (www.harrys.com) for shaving supplies. Happy with them so far. Good bye Gillette.
by SpringMan
Wed Oct 29, 2014 8:55 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 3105

Re: Fidelity

My money is split between Vanguard and Fidelity. Besides the Wellington Fund, I cannot think of any real advantage Vanguard holds over Fidelity. On the other hand Fidelity has better customer service and a better web site imho. Besides low cost mutual funds Vanguard also offers 70 commission free i...
by SpringMan
Sun Oct 26, 2014 1:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2679

Re: iPad Air 2 - 16 or 64 Gig?

Bought my wife the older first retina iPad with only 16GB. It was a pain to upgrade to IOS 8.0 because it required 5GB of free space. That meant deleting all the music and many apps. FYI, You can avoid that hassle by connecting the device to a PC running iTunes. That's the approach I'll be using wh...
by SpringMan
Thu Oct 23, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3152

Re: online shopping for laptop PC

Try http://www.techbargains.com/
You want touch screen, then you mention Windows 7 which does not have touch screen, neither do chromebooks.
by SpringMan
Wed Oct 22, 2014 8:24 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 25
Views: 1742

Re: iPad Air 2 - 16 or 64 Gig?

Bought my wife the older first retina iPad with only 16GB. It was a pain to upgrade to IOS 8.0 because it required 5GB of free space. That meant deleting all the music and many apps. She can make due with the 16GB but I would recommend 32 or 64GB for a new purchase.
by SpringMan
Wed Oct 22, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 42
Views: 3152

Re: Vanguard website down

Pleased to say it is working now.
by SpringMan
Tue Oct 21, 2014 4:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 882

Re: Vanguard website down

Apparently not all users are experiencing the problem. Vanguard tech support is working on it.
by SpringMan
Tue Oct 21, 2014 3:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 882

Vanguard website down

Currently can't access Vanguard (4:45PM EDT) on 10/21. Vanguard is aware of problem. Said they were doing an update. Strange time to do a software update.
by SpringMan
Tue Oct 21, 2014 3:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 882

Re: What is the best way to sell guns and get the best price

Gander Mountain buys used guns but the price they offer will not be as good as a private sale, more convenient though.
by SpringMan
Tue Oct 21, 2014 11:39 am
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1120

Re: Leon Cooperman giving the same advice as Warren

Professor Emeritus wrote:
Grt2bOutdoors wrote:Cash = Fiat money
.


Land deeds=Fiat ownership
Car titles =Fiat ownership

Etc etc etc

All repeat all concepts of property ownership are FIAT

Nothing except the government can create "ownership"

Chrysler = Fiat ownership :happy
by SpringMan
Tue Oct 21, 2014 6:21 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3331

Re: Leon Cooperman giving the same advice as Warren

I was told by a Vanguard CFP that one should not hold cash in IRAs. The only cash they recommend is an emergency fund and money for short term needs such as home repair, autos, etc. They influenced me to deploy cash into total bond market fund. In fact they tried to talk me out of short term bonds, ...
by SpringMan
Tue Oct 21, 2014 3:15 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3331

Re: need new microwave - what happened to Sharp?

About 10 years ago my Sharp also stopped displaying all the digits. Turned out the flexible connection between the control board and the display unit was the problem. I managed to get some of the digits to partially display and have been using the unit ever since. After speaking to Sharp customer s...
by SpringMan
Mon Oct 20, 2014 1:15 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1679

Re: Smartphone questions

I probably should not comment based on my phone being a flip phone with Page Plus costing $10.75 every 120 days. I have two adult children, both are electrical engineers. One has Apple only products, iMac, Macbook pro, iPad, and iPhone 6. He is very happy with his hardware but not so much with his s...
by SpringMan
Mon Oct 20, 2014 11:31 am
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 106
Views: 8864

Re: Vanguard Survey warning

I participated in the survey. I recently corresponded with one of their CFPs and I think Vanguard was just checking up on my perception of how they did. I gave them good marks which IMO they deserved. I run free AVG and periodically malwarebytes, neither showed any issues.
by SpringMan
Sat Oct 18, 2014 2:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1365

Re: What tax software do you use and why

TurboTax because Vanguard provides it for free as a perk. Before this was available from Vanguard, I used to buy TurboTax or TaxCut on CD from a retail store.
by SpringMan
Sat Oct 18, 2014 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2638

Re: TBM too much treasury?

IMO, diversification and market weighing everything can be over rated. An example, Ron Delegge's index investing podcast, he grades one investor, doing a report card in each podcast. Besides disliking his hubris, and his occasional insults against John Bogle, I disagree with the report card marks he...
by SpringMan
Sat Oct 18, 2014 11:44 am
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4503

Re: Medicare Medigap policy cost

I also signed up for Medigap without an agent. None of the agents at the time were selling Blue Cross Legacy Plan C. That was a couple years ago and I have been happy so far. Agents are now telling me Blue Cross Legacy C may have huge rate hikes in 2016 and if I don't switch now, I could be trapped ...
by SpringMan
Fri Oct 17, 2014 10:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 58
Views: 17872

Re: Dry Powder

Vanguard does not endorse that idea. I had Prime MM of 8% of assets that they advised deploying into bonds. They recommend cash in an emergency fund or checking / savings account for day to day living expenses but not as a part of an IRA. Vanguard is not a fan of market timing according to their CFP...
by SpringMan
Thu Oct 16, 2014 11:20 am
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3545

Re: ETF's instead of index funds?

I purchase ETF's in my Vanguard taxable and Roth accounts (wife and I) because it would be a few years before I'd have enough money to have Admiral shares for all funds. It just allows me to keep my costs low while holding more funds. My 457 and 401k plan through work have the option for a brokerag...
by SpringMan
Mon Oct 13, 2014 10:39 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1522

Re: ETF's instead of index funds?

Another example of ETF clunkiness is that they have T+3 settlements vs T+1 settlements of mutual funds. At Vanguard Brokerage Services you can not sell an ETF and use the proceeds to buy a Vanguard mutual fund until the settlement from the sale shows up in your MM settlement account so you will be o...
by SpringMan
Mon Oct 13, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1522

Re: fsitx low morning star rating

Morningstar is often screwed up. Take a look at the style box of both FSITX and Vanguard Total Bond Index fund, VBTLX. It shows them as long, obviously they should be intermediate. FSITX (2 stars, no metal) tracks the same index as VBTLX (3 stars, silver). Star rating should be ignored by investors ...
by SpringMan
Mon Oct 13, 2014 9:41 am
 
Forum: Investing - Help with Personal Investments
Topic: fsitx low morning star rating
Replies: 4
Views: 538
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