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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: 385

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: 104
Views: 4851

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: 423

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: 959

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: 14
Views: 472

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: 14
Views: 472

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: 14
Views: 472

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: 14
Views: 472

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: 14
Views: 472

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: 14
Views: 472

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: 72
Views: 4486

Re: Is Vanguard understaffed?

Their excuse for my recent long delay was tax time. Mid Feb. slipped to late Feb. for VBS reporting. I do think they have resource issues. The company is growing very fast. The roll out of the consolidation of everybody to brokerage accounts is still a work in process. I am still waiting on that. Ho...
by SpringMan
Fri Feb 27, 2015 4:51 pm
 
Forum: Personal Consumer Issues
Topic: Is Vanguard understaffed?
Replies: 37
Views: 3347

Re: Vanguard Strikes Back With Lower Target-Date Fees

But I believe within a 401K regular investors with modest contributions may be able to gain access. I have access to institutional shares of the S&P500 index fund in my company 401k; its current balance is ~$40,000. True, some folks are lucky enough to have access to Vanguard institutional fund...
by SpringMan
Fri Feb 27, 2015 4:34 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 13
Views: 3832

Re: Vanguard Strikes Back With Lower Target-Date Fees

If these funds are like other Vanguard institutional funds, they will have a $5,000,000 minimum. Too rich for my blood. :(
by SpringMan
Fri Feb 27, 2015 1:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Strikes Back With Lower Target-Date Fees
Replies: 13
Views: 3832

Re: No VWIUX at Fidelity

Fidelity offers free to trade iShares ETFs. Municipal bond ETFs include MUB (National), SUB (National Short Term), CMF (California), and NYF (New York). The expense ratios are .25% for any and are AMT free.
by SpringMan
Thu Feb 26, 2015 5:24 pm
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1324

Re: Admiral Shares vs ETFs for stocks

How would the ETF investor go about reinvesting quarterly dividends? The Admiral class mutual fund investor simply specifies "reinvest all distributions" and it happens automatically at no additional cost. How does that work for the ETF holder? You can have ETF dividends and cap gains dis...
by SpringMan
Wed Feb 25, 2015 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs ETFs for stocks
Replies: 10
Views: 874

Re: Admiral Shares vs ETFs for stocks

One thing is you can't buy exactly $10K of an ETF since they must be purchased as an integer number of shares. However you could buy a dollar amount of investor or admiral shares and have Vanguard convert them to an ETF. The other disadvantage is VBS is slower to provide tax information on ETFs than...
by SpringMan
Wed Feb 25, 2015 5:08 am
 
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs ETFs for stocks
Replies: 10
Views: 874

Re: Guns for hunting/defense

Henry makes some of the best lever action rifles IMO. I really enjoy the frontier model 22 with the octagon barrel. This is fun to shoot, brings out the cowboy in me.
by SpringMan
Tue Feb 24, 2015 5:40 pm
 
Forum: Personal Consumer Issues
Topic: Guns for hunting/defense
Replies: 131
Views: 7031

Re: iPad users: what browser are you using?

I use Google Chrome on all of my devices (2 Windows 8.1 computers, iPad and Android Note 4 phone). That keeps all my bookmarks and tabs synched across all of these devices. I use Chrome too. It synchronizes bookmarks but for me tabs are not synched up. Probably it could it be a setting? I looks lik...
by SpringMan
Tue Feb 24, 2015 8:36 am
 
Forum: Personal Consumer Issues
Topic: iPad users: what browser are you using?
Replies: 28
Views: 1842

Re: the Wellington group

I have been a fan of Wellington fund, VWENX, and often have recommended it over Vanguard Balanced index, VBIAX, because Wellington fund has had slightly better performance. I have changed my mind recently as I have come to realize that VBIAX is close to 55/45 and VWENX is close to 64/36. I believe t...
by SpringMan
Sun Feb 22, 2015 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: the Wellington group
Replies: 8
Views: 1430

Re: Music / Song Help

Just about anything Marty Robbins has done, I am especially fond of the Gunfighter Ballads.
by SpringMan
Thu Feb 19, 2015 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Music / Song Help
Replies: 52
Views: 2261

Re: Dave Ramsey Lashes Out at His Financial Critics

Haters gotta hate. Rediculous. We are on a forum celebrating a man that saved us 1-2% in fees every year. That is fine and Jack is great. How much do you think Dave is saving people when he motivates them to wake up from their financial stupor and get out of debt? Car payments that they cannot affo...
by SpringMan
Thu Feb 19, 2015 10:33 am
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9670

Re: Fooled by Vanguard website, Vanguard to reconcile.

Just an update, everything has been restored. Took slightly longer than the 5 days promised, Feb. 3 to Feb 19 or 16 calendar days. President's day was in there too. Back office apparently was really busy with getting tax info ready. All is well that ends well. It turned out I would have been better ...
by SpringMan
Thu Feb 19, 2015 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Fooled by Vanguard website, Vanguard to reconcile.
Replies: 8
Views: 2819

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

I don't think folks should be hard on or pick on the OP. I looked at yesterday's close of VWIAX and VWENX and my first instinct was maybe a distribution occurred but there wasn't any. Wellesley has about 65% bonds, bonds were up, stocks were flat yet the fund was down more than VWENX, it made no sen...
by SpringMan
Thu Feb 19, 2015 9:56 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3729

Re: VWENX huge hit today! [Vanguard Wellington Admiral]

Wellington and Wellesley seemed to have been reported wrong by Vanguard at yesterday's close, 3/18. Today both were revised. Wellesley was down yesterday but shows up this morning. Wellington was still down but not as much. I have seen this type of thing happen at Fidelity with their funds but this ...
by SpringMan
Thu Feb 19, 2015 8:24 am
 
Forum: Investing - Theory, News & General
Topic: VWENX huge hit today! [Vanguard Wellington Admiral]
Replies: 40
Views: 3729

Re: Dave Ramsey Lashes Out at His Financial Critics

I'll listen to Ramsey when I am driving through areas that carry his show since I am a financial junkie. I wish Clark Howard was carried in more areas. Sometimes I take issue with Clark Howard too. I listen to him on podcast. He said his $200 chrome book is much better than a Macbook Air. He also c...
by SpringMan
Tue Feb 17, 2015 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9670

Re: Improving the Lifestrategy Funds

Dancer wrote:Adding REIT and TIPS would probably increase taxes

True in taxable accounts. However, in my opinion, these funds were designed for tax advantaged accounts. Their bond sleeves as currently set up are tax inefficient.
by SpringMan
Tue Feb 17, 2015 5:24 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 29
Views: 2523

Re: Anti-virus software on my MAC?

Also it helps to password protect your financial data such as spreadsheets and other documents. I had a brand new Mac stop booting up after a week which had some financial data on it. It was exchanged for free from the store I bought it and eventually sent back to Apple. It had passwords on the fina...
by SpringMan
Tue Feb 17, 2015 5:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Anti-virus software on my MAC?
Replies: 20
Views: 1265

Re: When to invest in taxable? What funds to put in as start

For your taxable account, I would not recommend a tax exempt bond fund given your income tax bracket. I like Total International because of the foreign tax credit. Total Stock Market is good too. My preference is admiral shares, start with investors shares with the goal of reaching $10K. You could u...
by SpringMan
Sat Feb 14, 2015 12:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: When to invest in taxable? What funds to put in as starter?
Replies: 10
Views: 1146

Re: MIDCAPS

Try searching for "Mel's Unloved Mid-Caps", both on this forum and on M*'s Vanguard Diehards forum, and you'll get lots of discussions on this subject.

Regards,

Mel

Found in another thread, contains lots of information about midcaps.
by SpringMan
Sat Feb 14, 2015 11:07 am
 
Forum: Investing - Theory, News & General
Topic: Midcaps [Why does it seem to beat Total Stock Market?]
Replies: 17
Views: 2441

Vanguard Brokerage Tax Statements taking longer

Up until today Vanguard Brokerage tax forms were scheduled for mid February. When I checked today, I see it has slipped to late February. One taxable Vanguard ETF, VSS, is holding up our completion of income tax. edit: Sorry this was already posted here. I missed seeing the original post. https://ww...
by SpringMan
Sat Feb 14, 2015 10:26 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 90
Views: 6204

Re: Fooled by Vanguard website, Vanguard to reconcile.

Update 5 days have turned into 10 days, and nothing now expected to happen now till end of next week. Their excuse was their back office is very busy because of tax time. Supervisor has approved and the request is waiting for manager approval. I am confident it is going to happen but not impressed w...
by SpringMan
Sat Feb 14, 2015 9:26 am
 
Forum: Investing - Help with Personal Investments
Topic: Fooled by Vanguard website, Vanguard to reconcile.
Replies: 8
Views: 2819

Re: [Is it worth getting an] AARP [membership]?

AARP pushed United Health Care medigap policies aggressively in our area. We resisted and went with Blue Cross Blue Shield medigap. So far we have no regrets.
by SpringMan
Fri Feb 13, 2015 3:44 pm
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3990

Re: Cell Phone Provider

Consider getting one of these to improve your phone reception, they actually work. http://www.amazon.com/Wilson-Electronics-460106-Sleek-Packaging/dp/B003FGWGPS You still need some signal reception so you need to get the cellular provider that works best in your area. We have had good luck with Page...
by SpringMan
Fri Feb 13, 2015 11:38 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Provider
Replies: 22
Views: 1324

Re: Primecap: The Best Stock Pickers You've Never Seen

Am I wrong? I do not mind paying long term Capital gains rather than not getting the gains. Taxes are with us if we want our stocks to go up. We all want our funds to go up but there is a big difference from distributed capital gains and unrealized capital gains. The unrealized capital gains enjoy ...
by SpringMan
Thu Feb 12, 2015 11:14 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: Advisors: should clients expect you to waive sales charg

I doubt advisors can get the load waived on an otherwise loaded fund. Load waived may vary by which firm they work for. Calling them could result in not using the load fund by picking a different fund with no load or a different share class of the same fund which could have a back end load with high...
by SpringMan
Wed Feb 11, 2015 9:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advisors: should clients expect you to waive sales charges?
Replies: 10
Views: 1452

Re: What are the differences among the 5 Primecap funds?

Only three funds are sold by Vanguard unless you consider that Cap Op and PRIMECAP come in admiral and investor shares. The differences are explained on Vanguard's website, PRIMECAP is large growth, Cap Op is midcap growth and PRIMECAP Core is large blend. Morningstar considers Cap Op to be large gr...
by SpringMan
Wed Feb 11, 2015 8:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are the differences among the 5 Primecap funds?
Replies: 20
Views: 1421

Re: Primecap: The Best Stock Pickers You've Never Seen

Yesterdaysnews wrote:Is it possible to get into any of the PRIMECAP funds if you are Flagship? I thought part of the deal is you can get into some closed funds?

Yes it is. Capital Opportunity and PRIMECAP are limited to $25K per calendar year. There are no dollar limits on PRIMECAP core fund.
by SpringMan
Wed Feb 11, 2015 8:27 pm
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: Primecap

using fund ticker symbols but that is usually frowned upon in this forum. A bit of a tangential question. Is this so? using the ticker is not good practice here? Use the full fund name only? The reason given by many is that people don't know them by heart and may not take the time to look them up. ...
by SpringMan
Wed Feb 11, 2015 11:31 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: Primecap

I am a fan of all the Vanguard Primecap funds. For those that hold Wellington or Wellesley Income and get that alert from Vanguard's Portfolio Analysis Tool "Caution your portfolio emphasizes value", Primecap and Capital Opportunity funds are an excellent way to provide the growth componen...
by SpringMan
Wed Feb 11, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Primecap: The Best Stock Pickers You've Never Seen
Replies: 32
Views: 2596

Re: Alternatives to Radio Shack?

Our very first home computer was a Radio Shack Color Computer. One that used a TV as a monitor and a cassette tape recorder for storage. Eventually we picked up a floppy disk drive that was prone to errors. One solution that helped a little was to clean the contacts with a pencil eraser. Because of ...
by SpringMan
Mon Feb 09, 2015 9:36 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2840

Re: Vanguard target date asset allocation

Toons wrote:Let the professionals make the necessary adjustments.
Target Date :happy

The Wellington Management folks are also professionals, VWIAX or VWENX works very well for many of us.
by SpringMan
Sun Feb 08, 2015 4:42 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard target date asset allocation
Replies: 23
Views: 2689

Re: Wellington vs Life Strategy Moderate Growth

Life Strategy Moderate Growth Pros and Cons: It is 2 bp cheaper in cost, and it uses index funds which is a pro with most Bogleheads. It is more diversified in that it has all 9 Morningstar style boxes, a good chunk of foreign stocks, domestic and currency hedged foreign bonds. No rebalancing is nee...
by SpringMan
Sun Feb 08, 2015 10:17 am
 
Forum: Investing - Help with Personal Investments
Topic: Wellington vs Life Strategy Moderate Growth
Replies: 11
Views: 1544

Re: Why do 2 REIT funds (TRREX VGSLX) have such different yi

The funds hold different holdings, one tracks an index (VGSLX), the other is actively managed (TRREX). Their M* instant xrays are different as well.
by SpringMan
Fri Feb 06, 2015 12:36 pm
 
Forum: Investing - Theory, News & General
Topic: Why do 2 REIT funds (TRREX VGSLX) have such different yields
Replies: 6
Views: 979

Re: TurboTax fraud?

Seems like this could happen with any tax software. Why are they singling out TurboTax and not TaxCut or any other program?
by SpringMan
Fri Feb 06, 2015 11:20 am
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax Fraud? [TurboTax Turns Off All State E-Filing]
Replies: 67
Views: 3263

Re: Alternatives to Radio Shack?

Radio Shack was unique in offering human interface. Perhaps because they were not so busy that their clerks weren't always willing to chat about whatever you asked. The downfall IMO was that their prices were not very competitive. For example, I stopped in a Radio Shack to price out a Roku and they ...
by SpringMan
Fri Feb 06, 2015 10:20 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2840

Re: Alternatives to Radio Shack?

http://www.monoprice.com/
is good for much of what Radio Shack sells.
by SpringMan
Thu Feb 05, 2015 9:04 pm
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2840

Re: GNMA....Sell or hold

As I understand it, the Vanguard Corporate Bond fund therefore avoids most callable issues (being actively managed, it can). Similarly the GNMA fund uses relatively short maturity securities (the underlying mortgage pool is well aged) when the managers believe there is a risk of an upward tick in i...
by SpringMan
Thu Feb 05, 2015 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: GNMA....Sell or hold
Replies: 46
Views: 5124

Re: Vanguard survey: what should they do differently?

They need to fix the problems between Vanguard Brokerage Services and Vanguard. One problem is outlined here.
viewtopic.php?f=1&t=157431
by SpringMan
Thu Feb 05, 2015 12:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4247

Re: Vanguard Wellesley Fund

+1 for Wellesley, 100% of my wife's tIRA is invested in it. VWIAX is one of our favorite Vanguard funds. It matches our desired asset allocation. We are age 67. We do hold other funds in our taxable account, my tIRA and our Roths.
by SpringMan
Thu Feb 05, 2015 12:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Wellesley Fund
Replies: 19
Views: 4129
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