Search found 4348 matches

Return to advanced search

Re: Better Costs: ETFs or Admiral Shares?

I had an opportunity to ask Vanguard the question about reinvested dividends and T+1 vs T+3 for bond open ended funds vs bond ETFs. They said the distributions are reinvested overnight even for the ETF, there is no T+3 waiting period. If this is the case, my prior post was incorrect and bond ETF div...
by SpringMan
Thu Dec 18, 2014 12:35 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3668

Re: Camcorder vs. iPhone vs. DSLR Camera

Compact mirrorless cameras are just as good as DSLRs since they often use a DSLR sized sensor and they are smaller. I would not rule them out. They take good video too.
by SpringMan
Wed Dec 17, 2014 6:27 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 25
Views: 1232

Re: Apple

davebarnes wrote:Buy an iMac

The OP said he did not want a Mac because of the cost. I would love to pick up the new 27 inch 5K iMac myself but can't justify the cost. Also, all my current computers are running just fine.
by SpringMan
Wed Dec 17, 2014 12:01 pm
 
Forum: Personal Consumer Issues
Topic: What desktop should I buy.
Replies: 36
Views: 2259

Re: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?

The drop likely has something to do with oil prices dropping. High yield bonds are often issued by oil related companies. Investors fear more defaults will occur. High yield bonds have more equity correlation than investment grade too. Equities have been down, I think seven of the last eight days. H...
by SpringMan
Wed Dec 17, 2014 10:36 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard High-Yield Corporate Bond Fund (VWEAX) ?
Replies: 15
Views: 1448

Re: Buying Vanguard Energy Index

What is a fundamental index fund? Does Vanguard have one? Thanks No, Vanguard does not offer any. http://www.investopedia.com/articles/mutualfund/07/fw_index.asp Also checkout Rob Arnott article http://www.forbes.com/sites/tomanderson/2013/06/05/has-rob-arnott-built-a-better-index-fund/ One may be ...
by SpringMan
Wed Dec 17, 2014 10:20 am
 
Forum: Investing - Help with Personal Investments
Topic: Buying Vanguard Energy Index
Replies: 14
Views: 1897

Re: Medallion Signature Guarantee

If it is just a matter of middle initial vs spelled out middle name, Vanguard will process without the medallion signature. I thought I would need the medallion signature, called Vanguard and I was allowed to go forward without it. Everything was done online.
by SpringMan
Tue Dec 16, 2014 6:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 34
Views: 3625

Re: Vanguard's International Small Cap Fund -ETF vs Mutual F

Not to hijack the OP, but as a related question: would switching funds from the mutual fund version over to the ETF version incur taxes on gains or have other penalties, despite the fact that they have identical holdings? Or should someone just switch over to the ETF tomorrow if they have the chanc...
by SpringMan
Tue Dec 16, 2014 5:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's International Small Cap Fund -ETF vs Mutual Fund
Replies: 17
Views: 1813

Re: Bogle on CNBC 12-16-2014: 100% USA squity

"Don't do something, just stand there." Good calming advice with all the market volatility we have been experiencing lately.
by SpringMan
Tue Dec 16, 2014 5:27 pm
 
Forum: Investing - Theory, News & General
Topic: Bogle on CNBC 12-16-2014: 100% USA squity
Replies: 35
Views: 3616

Re: Camcorder vs. iPhone vs. DSLR Camera

Don't forget to put down the iphone/camcorder and actually be in the scene! I can only imagine how bad it is these days with the phones in the air. Front row seats must be necessary in order to see anything. Crazy thing is people use the flash when they are 80 feet from the stage. The only thing th...
by SpringMan
Tue Dec 16, 2014 3:56 pm
 
Forum: Personal Consumer Issues
Topic: Camcorder vs. iPhone vs. DSLR Camera
Replies: 25
Views: 1232

Re: Vanguard and Turbo Tax

My experience in past years with VG is that TT (federal filing) is indeed free, however, TT (state filing) is not. Still a good deal, IMO. Good luck. My experience was both federal and state were free for TT Deluxe for Flagship clients but efile was free for federal, state was only free using snail...
by SpringMan
Tue Dec 16, 2014 3:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 11
Views: 1087

Re: Better Costs: ETFs or Admiral Shares?

livesoft wrote:So do we all agree that SpringMan's thing about dividends and T+1 and T+3 does not hold water?

The accounting is different for ETFs vs mutual funds. I may be wrong about that assertion so I am all ears for an answer.
by SpringMan
Tue Dec 16, 2014 2:28 pm
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3668

Re: Better Costs: ETFs or Admiral Shares?

Assuming you reinvest dividends, keep in mind that for bond mutual funds that pay monthly dividends, these dividends will be reinvested overnight (T+1). Holding the same fund in the ETF share class will have their reinvested dividends out of the market for at least 3 days (T+3). At VBS it can take 4...
by SpringMan
Mon Dec 15, 2014 10:00 am
 
Forum: Investing - Theory, News & General
Topic: Better Costs: ETFs or Admiral Shares?
Replies: 53
Views: 3668

Re: TIPS Mutual Funds

columbia wrote:My impression is that a fair number of TIPS holders engage in market timing.

I think you could come to that conclusion based on some of Larry Swedroe's posts. If I recall he has a formula for when TIPs are a good buy and when not so good.
by SpringMan
Sun Dec 14, 2014 10:28 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2868

Re: iPad Purchase - Online vs Store

Legally you generally owe sales tax for online purchases, the mode of collecting may just be different. Since the sales tax for online purchases may be collected by the honor system, what is really occurring is you are easily able to get away with tax fraud. Just sayin'... My state tax forms requir...
by SpringMan
Sat Dec 13, 2014 12:37 pm
 
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 1614

Re: TIPS Mutual Funds

No TIPs funds here. I would be curious to know for those that hold a Vanguard TIPs fund, is it short term or otherwise? Short term TIPs fund is in many target retirement funds.
by SpringMan
Sat Dec 13, 2014 11:51 am
 
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 2868

Re: iPad Purchase - Online vs Store

Prices can be lower buying online and you may avoid state sales tax. Look at B&H and Macmall, some of their brand new products are comparable to prices Apple sells refurbished products. Apple online is the same as in the Apple store unless you go refurbished. Apple online does provide free engra...
by SpringMan
Sat Dec 13, 2014 11:41 am
 
Forum: Personal Consumer Issues
Topic: iPad Purchase - Online vs Store
Replies: 24
Views: 1614

Re: Vanguard Wish List

Dandy wrote:I also wish Vanguard would withhold taxes on any distribution, exchange, redemption etc based on customer preference.

Vanguard will withhold taxes on distributions from tax deferred IRA accounts, federal and in most cases state also. Maybe your talking specifically about taxable accounts.
by SpringMan
Thu Dec 11, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2981

Re: Apple software update / can no longer highlight text

I'm on a Mac with the latest software and can do it. Maybe the keyboard isn't playing nice with the updated software? Can you use the screen and highlight to Cut and Paste? I believe the OP is talking about IOS upgrade 8.1.2 since they are on an iPad, not Mac OS 10 Yosemite. I do not know if IOS in...
by SpringMan
Thu Dec 11, 2014 4:16 am
 
Forum: Personal Consumer Issues
Topic: Apple software update / can no longer highlight text
Replies: 10
Views: 1184

Re: Vanguard Wish List

I would like to have Vanguard combine the Total International Fund with the FTSE All-World Ex-US Fund (adding the latter to the former). There's just no reason to have both of these funds in the Vanguard family. One reason to have both is for tax loss harvesting, they are similar yet not identical....
by SpringMan
Wed Dec 10, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2981

Re: Vanguard Wish List

Use admiral shares for subfunds in their fund of funds when fund holdings reach a level where percentage values would otherwise qualify. Basically all they would be doing is rebalancing for free.
by SpringMan
Wed Dec 10, 2014 7:31 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Wish List
Replies: 44
Views: 2981

Re: TIPs, Total Bond Market, or Both?

I am coming around to Total Bond fund as my preferred bond fund. I have eliminated High Yield completely. Still have Wellesley and its bonds. Per Vanguard's advice, I added some International Bond fund. I Plan to sell PIMIX once the December distributions are done. Moving Roths from Fido to Vanguard...
by SpringMan
Wed Dec 10, 2014 5:05 pm
 
Forum: Investing - Theory, News & General
Topic: TIPs, Total Bond Market, or Both?
Replies: 35
Views: 3349

Re: VBMFX vs PIMIX

In evaluating bond funds look at average credit rating, and also effective duration. Bond funds pay out interest. For after-tax returns for a Vanguard fund, on the Vanguard site look under "price and performance". Usually bond funds pay out dividends rather than interest. If I recall I ha...
by SpringMan
Wed Dec 10, 2014 3:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: VBMFX vs PIMIX
Replies: 5
Views: 523

Re: Good buy flip phone, smartphone app to talk/sms for free

Republic Wireless has a $10/month plan for talk/text, where you use wifi for your data. The Moto G should work with their service. https://republicwireless.com/info/plans/ From my understanding you have buy the phone from them unless they changed it lately. You are correct because the phone needs t...
by SpringMan
Wed Dec 10, 2014 11:21 am
 
Forum: Personal Consumer Issues
Topic: Good buy flip phone, smartphone app to talk/sms for free?
Replies: 10
Views: 653

Re: What is your opinion about "tilting?"

I try not to tilt because Vanguard does not recommend it. I formerly had a value tilt because of the presence of Wellesley Income fund and Equity Income fund. Vanguard has their Portfolio Watch tool which always gave a yellow caution alert that the style emphasized value over growth. To remedy this ...
by SpringMan
Wed Dec 10, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: What is your opinion about "tilting?"
Replies: 114
Views: 7926

Re: Help with choosing funds!

I think Vanguard recommends no more than 5% of your portfolio be in sector funds. You have closer to 50% in the health and energy sector. Maybe consider some percentage in bond funds (age in bonds is a good rule of thumb for a starting point). Maybe add an international fund, although your actively...
by SpringMan
Tue Dec 09, 2014 8:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds!
Replies: 18
Views: 513

Re: Help with choosing funds!

I think Vanguard recommends no more than 5% of your portfolio be in sector funds. You have closer to 50% in the health and energy sector. Maybe consider some percentage in bond funds (age in bonds is a good rule of thumb for a starting point). Maybe add an international fund, although your actively ...
by SpringMan
Tue Dec 09, 2014 6:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with choosing funds!
Replies: 18
Views: 513

Re: Tow hitch cargo

Great for transporting gas cans where you don't want the smell inside the vehicle. Can use to transport propane cans for your gas grill too.
by SpringMan
Tue Dec 09, 2014 5:49 pm
 
Forum: Personal Consumer Issues
Topic: Tow hitch cargo
Replies: 8
Views: 813

Re: Why have more US than Intl Market Index?

Currently have about 30% of equities in Foreign. Mr. Bogle has proven to be right this year, but the main reason international equities have performed poorly recently is currency risk and the strong dollar.
by SpringMan
Tue Dec 09, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Why have more US than Intl Market Index?
Replies: 65
Views: 4048

Re: Have you ever been let go?

Let go three times in my 36 year career. First was 1971 from Fisher Body Division of GM. It was less than a couple weeks and I was picked up by GM Styling (later called GM Design Staff). Second time was 1981, I was laid off from GM Design Staff while I was on loan to GM Fisher Body. I had an offer f...
by SpringMan
Tue Dec 09, 2014 11:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Have you ever been let go?
Replies: 74
Views: 5455

Re: Is There An Actively Managed Fund Cheaper Than An Index

Vanguard has some. For example, admiral shares of Vanguard's Short and Intermediate Term Investment Grade bond funds (VFSUX, VFIDX) have an ER of .1% compared to admiral shares of Vanguard's Short and Intermediate Corporate Index funds (VSCSX, VICBX) which have an ER of .12.
by SpringMan
Tue Dec 09, 2014 10:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Is There An Actively Managed Fund Cheaper Than An Index Fund
Replies: 25
Views: 2237

Re: Are ETFs a good addition to Roth IRA

^With ETFs, the dividends can be automatically re-invested, so one would not need to manually deal with dividends if one did not want to. I assume you mean at VG? I hold Vanguard ETFs at Fidelity and they won't (as far as I know) automatically reinvest the dividends. BTW, Congrats on your 35,000th ...
by SpringMan
Tue Dec 09, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Are ETFs a good addition to Roth IRA
Replies: 16
Views: 1192

Re: What to do with VGPMX?

It's apparently now only half precious metal and the other half is commodities. Actually it is more equities of producers of precious metals and commodities, not the precious metals / commodities themselves. I have no crystal ball but I would probably exchange out of the fund into something more di...
by SpringMan
Mon Dec 08, 2014 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with VGPMX (Vanguard Precious Metals and Mining)?
Replies: 32
Views: 2235

Re: Anyone here use Personal Capital?

Update: I had a free personal portfolio review, consisted of two sessions about 1 hour each. They offered to manage my portfolio for .89% plus any expense ratios. Their method uses individual stocks and ETFs on the bond side and they take total control of what they handle. They recommended over 10% ...
by SpringMan
Sat Dec 06, 2014 12:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 56
Views: 7252

Re: Vanguard Turbo Tax prices anounced

Flagship Services and Asset Management Services clients will receive complimentary access to the Federal: Basic, Federal: Deluxe, and State: Basic products. Looks like it's free for Flagship folks once again. Last year the TT Deluxe edition handled Schedule D which was free. It appears this year on...
by SpringMan
Sat Dec 06, 2014 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 57
Views: 7735

Re: What do you do with Fidelity Rewards?

I have the Priceline Visa that is also 2% but that is not available for new applicants. There is also Citi Double Cash MasterCard which is 2% and is available to all. I wan the greatest return on the money I already have to spend. I don't care for Bank of America either but I will take their money....
by SpringMan
Sat Dec 06, 2014 10:08 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1815

Re: What do you do with Fidelity Rewards?

Fidelity has solicited their cards to us. Though I have been tempted, I have resisted because the cards are issued by an underlying monster mega bank, not Fidelity. The monster mega banks rank right up there next to Comcast and AT&T in terms of customer service. Also, the Amex that pays 2% is no...
by SpringMan
Sat Dec 06, 2014 9:49 am
 
Forum: Personal Finance (Not Investing)
Topic: What do you do with Fidelity Rewards?
Replies: 34
Views: 1815

Re: Really Need Advice - Coming Back into Market

Fidelity Capital & Income (FAGIX) has an expense ratio of 0.71% Vanguard has a comparable fund (VGIAX) with an expense of 0.26% (with minimum 50k investment) or 0.36% (if less than 50k). Those two funds are not comparable, VGIAX is Vanguard's Growth and Income fund which has 0 bonds. FAGIX is o...
by SpringMan
Fri Dec 05, 2014 10:06 am
 
Forum: Investing - Help with Personal Investments
Topic: Really Need Advice - Coming Back into Market
Replies: 25
Views: 2045

Re: Who do you listen to? (Podcast, etc)

Jill on Money
Clark Howard
Bill Maher
Paul Merriman
The Lange Money hour
several TWIT podcasts (Leo Leporte)
by SpringMan
Mon Dec 01, 2014 11:45 am
 
Forum: Personal Consumer Issues
Topic: Who do you listen to? (Podcast, etc)
Replies: 29
Views: 2877

Re: Retirement portfolio review - low taxes; tight budget

Regarding PIMIX in taxable, why wait until after the December distribution? Isn't the rule of thumb to avoid taxable fund distributions when buying or selling? The idea being the fund will drop by the amount of the distribution and the distribution is taxable so it is better to sell before the distr...
by SpringMan
Sun Nov 30, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retirement portfolio review - low taxes; tight budget
Replies: 20
Views: 2830

Re: TV buying recommendations

Samsung is good and very popular. I would not rule out Sharp brand either. We have a Sharp and a Panasonic both are very good. These TVs are lower cost than when we bought and have more features. We use a Roku on the larger TV. TVs generally last a long time so it is best to not get the very cheapes...
by SpringMan
Sun Nov 30, 2014 9:51 am
 
Forum: Personal Consumer Issues
Topic: TV buying recommendations
Replies: 44
Views: 3029

Re: Trade off by $0.01

I suppose the brokerage could change my cash IRA account to a margin account at start charging interest on my .01 debt that I owe them :wink:

There is no chance of this since margin accounts are not allowed inside IRAs.
by SpringMan
Fri Nov 28, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: Trade off by $0.01
Replies: 25
Views: 2439

Re: How long did your IT career last? At what age did it en

I worked in IT from 1969 to 2004. The first 15 years I worked at GM, GM bought EDS and I spent the second 15 years at EDS. I was offered an optional early retirement buyout from EDS which I could not pass up. I stayed on as a GM contractor employed by Compuware Corporation for 6 more years at which ...
by SpringMan
Thu Nov 27, 2014 9:37 am
 
Forum: Personal Finance (Not Investing)
Topic: How long did your IT career last? At what age did it end?
Replies: 156
Views: 14584

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

Springman, Are you sure about this? That doesn't seem to align with the macaroon's post above that includes the quote from Intuit themselves. It says if you do Sched D you have to use the forms mode and the interview mode is only place you can e-file from. Have you tried it, or did you get differen...
by SpringMan
Sun Nov 23, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16669

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

pshonore wrote:Remember if you use Deluxe in Form mode, you cannot efile but have to mail in your return.

This is only true for the state income tax, you can efile federal income tax.
by SpringMan
Sun Nov 23, 2014 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 140
Views: 16669

Re: Tell me about FitBit - is it worth having?

I don't own one but the common complaint I hear from others is that they don't measure exercise done on a stationary cycle.
by SpringMan
Sun Nov 23, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Fitbit, Vivofit, or other?
Replies: 55
Views: 2274

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: 115
Views: 12781

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: 37
Views: 3703

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: 328

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: 2148

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: 115
Views: 12781
Next

Return to advanced search