Search found 4623 matches

by SpringMan
Tue Jun 30, 2015 9:11 pm
Forum: Personal Consumer Issues
Topic: Best Cell Plan?
Replies: 38
Views: 3505

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: 7966

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: 2284

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: 5943

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: 1389

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: 6055

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: 629

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: 4736

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: 13523

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: 725

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: 7966

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 ...
by SpringMan
Sat Jun 20, 2015 2:16 pm
Forum: Personal Consumer Issues
Topic: Where can I buy wiper blade inserts?
Replies: 22
Views: 2731

Re: Where can I buy wiper blade inserts?

O'Reilly auto parts store will install those purchased there at no additional cost. Their prices are competitive IMO.
by SpringMan
Sat Jun 20, 2015 9:44 am
Forum: Investing - Theory, News & General
Topic: Why High Equity Allocation in Retirement
Replies: 78
Views: 9763

Re: Why High Equity Allocation in Retirement

Does it depend on the size of ones portfolio. Perhaps you should have more equity if your portfolio is 1 million instead of 3 million? I believe size matters but I flip it from what you are thinking. If I have my retirement secure with a 50/50 (or whatever conservative percentage) with a $1 million...
by SpringMan
Fri Jun 19, 2015 3:20 pm
Forum: Investing - Theory, News & General
Topic: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story
Replies: 15
Views: 2717

Re: Dave Ramsey's Investing Advice or: A Chris Hogan: America's Voice on Retirement Story

It must be something commission based advisors are trained to say regarding not using WebMD instead of a doctor. My friend with a commission based advisor at Merrill Lynch keeps telling me "you don't do your dental work yourself, why would you manage your investments yourself?" The other l...
by SpringMan
Fri Jun 19, 2015 11:27 am
Forum: Investing - Theory, News & General
Topic: "An Interview With A Boglehead"
Replies: 18
Views: 2746

Re: "An Interview With A Boglehead"

Nice interview but there were no surprises for us Bogleheads. Thanks for the link.
by SpringMan
Fri Jun 19, 2015 11:22 am
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 81
Views: 7069

Re: Betterment Review

I think the site personal capital does something similar. I would also comment that the vanguard iPhone app to me is better than the actual website. Hopefully they will enable Touch ID soon too, I have way too Many passwords to remember. Personal Capital is quite different. They take over your port...
by SpringMan
Tue Jun 16, 2015 11:17 am
Forum: Investing - Help with Personal Investments
Topic: Advice on choosing a Vanguard bond fund
Replies: 20
Views: 2887

Re: Advice on choosing a Vanguard bond fund

The decision is very easy: Total Bond Market Index Fund. This one fund is very diversified and low costs. Thank you Jack Bogle! If the decision is so very easy, why do we see so many threads on this? Mr. Bogle may no longer agree that Total Bond is best, he had commented that he feels that TBM is t...
by SpringMan
Tue Jun 16, 2015 10:59 am
Forum: Investing - Theory, News & General
Topic: "Jack Bogle's Great Insight"
Replies: 6
Views: 2198

Re: "Jack Bogle's Great Insight"

In my opinion, not necessarily Mr. Bogle's, Vanguard ETFs are just as good as Vanguard index funds for long term investors. They don't have to be total stock market funds either. Vanguard's small cap value ETF is just as good as their small cap value index fund, maybe better if you can't afford admi...
by SpringMan
Mon Jun 15, 2015 4:33 am
Forum: Investing - Help with Personal Investments
Topic: Index Funds the Way to Go?
Replies: 16
Views: 2943

Re: Index Funds the Way to Go?

Should I also consider ETFs? ETF's = index funds = passively managed mutual funds. Yes. Low cost index funds is the way to go. https://personal.vanguard.com/us/funds/tools/recommendation?reset=true Avoid commission-based advisers. Do it yourself and you are well on your way to maximum returns. It i...
by SpringMan
Mon Jun 15, 2015 4:27 am
Forum: Investing - Help with Personal Investments
Topic: Is there VGHAX equivalent ETF?
Replies: 9
Views: 1108

Re: Is there VGHAX equivalent ETF?

The index fund ETF, VHT, is primarily domestic health care, the actively managed fund, VGHAX, is both domestic and foreign health care.
by SpringMan
Sat Jun 13, 2015 4:59 pm
Forum: Investing - Help with Personal Investments
Topic: Fees
Replies: 3
Views: 435

Re: Fees

Ask your employer, only an employer can offer a Roth 401(k). If they offer one at Vanguard, I doubt if those fees apply.
by SpringMan
Sat Jun 13, 2015 9:45 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4034

Re: How to securely dispose old computer?

You people shotgunning these metal devices, do you worry about ricochets? Shotgun use is not allowed in most cities but usually is in rural area. Recommend eye and ear protection and care be taken to assure people are not near by. On second thought maybe the shotgun solution is not such a good idea...
by SpringMan
Sat Jun 13, 2015 9:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard: "The role of emerging markets in your portfolio."
Replies: 2
Views: 1000

Re: Vanguard: "The role of emerging markets in your portfolio."

Their approach claims market weight is the correct way to invest. Many Bogleheads including myself believe in tilting toward small value or small and value in both domestic and international (though our VSS isn't really small or value). Vanguard now says 30% to 50% of equity should be international ...
by SpringMan
Sat Jun 13, 2015 8:55 am
Forum: Personal Consumer Issues
Topic: How to securely dispose old computer?
Replies: 43
Views: 4034

Re: How to securely dispose old computer?

No need to remove the hard drive from a laptop. The hammer or shotgun approach will still work if applied through the case. I agree it is sometimes hard to open up laptops with all those strange and tiny screws.
by SpringMan
Fri Jun 12, 2015 11:26 am
Forum: Investing - Theory, News & General
Topic: VT the most diversified equity ETF?
Replies: 12
Views: 2210

Re: VT the most diversified equity ETF?

Though not available as an ETF, Vanguard's actively managed Minimum Volatility Fund is an interesting alternative. Admiral shares clock in at 20 basis points vs 17 basis points on VT.
http://www.morningstar.com/funds/XNAS/VMNVX/quote.html
by SpringMan
Thu Jun 11, 2015 4:57 pm
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9453

Re: Dave Ramsey

Where is the OP?
by SpringMan
Thu Jun 11, 2015 10:55 am
Forum: Investing - Theory, News & General
Topic: Wellington & Wellesley
Replies: 60
Views: 8638

Re: Wellington & Wellesley

It could be said Vanguard LifeStrategy and Target Retirement finds are active too. Though they are made up of all index sub-funds, Vanguard keeps tweaking them. The latest is to increase international. In the past some used actively managed Vanguard TIPs fund and no international bonds, now they use...
by SpringMan
Thu Jun 11, 2015 10:34 am
Forum: Personal Consumer Issues
Topic: flip phone vs smartphone
Replies: 35
Views: 3388

Re: flip phone vs smartphone

If on a budget or cost sensitive and just looking to make and receive phone calls, a flip phone is best. I am currently using a flip phone myself with Page Plus Cellular. I can see the day when I may join the smart phone camp. I like the idea of a computer in your hand that can do GPS, maps, surf th...
by SpringMan
Wed Jun 10, 2015 4:52 pm
Forum: Investing - Theory, News & General
Topic: VT the most diversified equity ETF?
Replies: 12
Views: 2210

Re: VT the most diversified equity ETF?

Cost conscience investors can lower expenses by using two funds, VTI and VXUS.
by SpringMan
Wed Jun 10, 2015 4:52 am
Forum: Personal Finance (Not Investing)
Topic: Dave Ramsey
Replies: 53
Views: 9453

Re: Dave Ramsey

Please fix your typo. I am not sure what (Ps I wanst using cash just documenting everything) means. Do you want to use cash or was not using cash? Have you searched this site for other Dave Ramsey threads? He is a controversial figure on this forum. It is recognized that investment advice is not his...
by SpringMan
Sun Jun 07, 2015 12:26 pm
Forum: Personal Consumer Issues
Topic: GM Friends and Family [Auto purchase discount]
Replies: 10
Views: 1088

Re: GM Friends and Family [Auto purchase discount]

Be sure to ask about dealers "doc fee", it is one thing that is still negotiable.
by SpringMan
Sat Jun 06, 2015 2:53 pm
Forum: Investing - Theory, News & General
Topic: "Do You Know How Much You're Paying?"
Replies: 44
Views: 6731

Re: "Do You Know How Much You're Paying?"

Actually it would be difficult to know exactly how much you are paying on a per year basis even knowing your portfolios expense ratio. Consider that the value of your portfolio changes daily and expenses are taken out daily. You could approximate it by using the average value of your portfolio over ...
by SpringMan
Sat Jun 06, 2015 2:37 pm
Forum: Investing - Theory, News & General
Topic: Whats better VPL + VGK vs just VEA?
Replies: 9
Views: 1326

Re: Whats better VPL + VGK vs just VEA?

I read somewhere that Vanguard is adding Canada to VEA. Although I view that as a good thing, neither VPL or VGK has Canada.
by SpringMan
Sat Jun 06, 2015 12:19 pm
Forum: Investing - Theory, News & General
Topic: Fidelity study identifies the most successful investors!
Replies: 34
Views: 4496

Re: Fidelity study identifies the most successful investors!

What others have said, and dead investors are less inclined to constantly fiddle with their portfolios.
by SpringMan
Sat Jun 06, 2015 11:56 am
Forum: Investing - Help with Personal Investments
Topic: Index versus active management
Replies: 11
Views: 1063

Re: Index versus active management

What are the active funds' expense ratios? Looking at past returns doesn't tell you what those funds will do. Statistically there will of course ve some active funds which beat the market for the past 15 years. No one has found evidence (though they have been looking) that a fund can keep up this p...
by SpringMan
Sat Jun 06, 2015 11:37 am
Forum: Investing - Help with Personal Investments
Topic: Index versus active management
Replies: 11
Views: 1063

Re: Index versus active management

I believe both low cost Vanguard active and passive funds can play a role. I try to be at least 50% in index funds. It is hard to find fault with Vanguard funds managed by PRIMECAP or Wellington management. I use 100% index funds in taxable accounts.
by SpringMan
Sat Jun 06, 2015 11:30 am
Forum: Personal Finance (Not Investing)
Topic: New 12" Macbook: Which one to buy?
Replies: 10
Views: 1287

Re: New 12" Macbook: Which one to buy?

Not for me but color wise I like the space gray.
by SpringMan
Sat Jun 06, 2015 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Lifestrategy funds
Replies: 7
Views: 1106

Re: Lifestrategy funds

Though not made up of index funds, I would and do use Wellesley Income for our conservative allocation fund. I like it better than VSCGX. Wellesley's past performance is better. Yes, I know the disclaimer about past performance. :happy
by SpringMan
Sat Jun 06, 2015 10:45 am
Forum: Investing - Theory, News & General
Topic: Creating a diversified bond portfolio - beyond VG's Total Bond fund
Replies: 16
Views: 1882

Re: Creating a diversified bond portfolio - beyond VG's Total Bond fund

I use Wellesley Income to counteract Total Bond Markets overweight to treasuries, along with short and intermediate investment grade and a pinch of high yield. Currently do not have TIPs, nor a dedicated international bond fund. Many Vanguard so called domestic bond funds do hold international bonds...
by SpringMan
Sat Jun 06, 2015 9:37 am
Forum: Personal Consumer Issues
Topic: I hate garage sales; do I have company?
Replies: 38
Views: 2556

Re: I hate garage sales; do I have company?

I would have no problem as long is it is not a perennial garage sale. Usually around here they run Friday through Sunday. More than a couple times a year per house and they get annoying. Our subdivision has a sub wide garage sale once per year in the summer, of course participation is optional.
by SpringMan
Sat Jun 06, 2015 9:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's new Personal Advisor Services
Replies: 29
Views: 4942

Re: Vanguard's new Personal Advisor Services

toto238 wrote:Boglehead blog has a nice post on it:

http://www.bogleheads.org/blog/vanguard-personal-advisor-services-vpas/

Note that the blog states $100K is the minimum needed to use VPAS, Vanguard's website states it is only $50K.
by SpringMan
Thu Jun 04, 2015 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard adviser
Replies: 14
Views: 1618

Re: Vanguard adviser

Do Vanguard advisers ever recommend non-Vanguard products ? (... like commodities or DFA funds ? ) Not likely out of the blue but if you currently own a non Vanguard product they may recommend that you continue to hold it. My experience was with the CFP adviser, not PAS. I can not imagine they woul...
by SpringMan
Thu Jun 04, 2015 9:55 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9820

Re: Free Windows 10 Upgrade, Yes or No?

We moved everything to Apple the last couple of years. No interest in ever moving back to Windows. Apple's products are so easy and they just work! They just work makes me smile. I bought a 13" MacBook Pro retina with i7, 8GB, and 512 SSD. Within a week it would not even boot up. It would chim...
by SpringMan
Thu Jun 04, 2015 8:23 am
Forum: Personal Consumer Issues
Topic: Free Windows 10 Upgrade, Yes or No?
Replies: 104
Views: 9820

Re: Free Windows 10 Upgrade, Yes or No?

We will wait and see on this one, assuming our older machine has enough horsepower. We actually use Windows Media Center every few months to watch all our home video on the big screen TV. I even have a remote control for it which was a selling point in 2009. How do we watch home video in the future...
by SpringMan
Wed Jun 03, 2015 4:11 pm
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 4255

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

I did not like the new MacBook. It is heavier, and just uses one USB-C port for power and everything else I don't like the new MacBook either. According to Apple the new Macbook weighs 2.03 lbs vs 2.38 lbs for the 11 inch MacBook Air, so it is not heavier. I have heard complaints about the lack of ...
by SpringMan
Wed Jun 03, 2015 2:03 pm
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 4255

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

Because you can't upgrade RAM or SSD yourself (it is soldered) I would get 8 GB and 256 SSD. The SSD is not soldered to the motherboard and can be easily upgraded . I stand corrected, only the RAM is soldered, bad phrasing on my part. Even so, can be easily upgraded is subjective. You need to alrea...
by SpringMan
Wed Jun 03, 2015 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard adviser
Replies: 14
Views: 1618

Re: Vanguard adviser

$50,00 * 0.3 = $1,500 / year Does that sound like a lot? Is it worth it to you? Maybe, Maybe not. Many people here do it themselves to help reduce costs. You should really read over the wiki link provided above. Honestly paying someone $1,500 / year for something that only takes me about an hour/ y...
by SpringMan
Wed Jun 03, 2015 10:54 am
Forum: Personal Consumer Issues
Topic: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?
Replies: 54
Views: 4255

Re: Macbook Air: Spend $ on RAM or Faster Intel HD Graphics?

For the price difference, I would opt for the 13 inch MacBook Air. Beside just a 13 inch screen, you get a builtin SD card reader slot and the additional size allows for a bigger battery that can go longer between charges. Because you can't upgrade RAM or SSD yourself (it is soldered) I would get 8 ...
by SpringMan
Wed May 27, 2015 4:15 pm
Forum: Personal Finance (Not Investing)
Topic: Ownership of Taxable Investments, Step-Up Basis
Replies: 10
Views: 830

Re: Ownership of Taxable Investments, Step-Up Basis

Regardless of what states do, the Federal government only gives stepped up basis on half on jointly held assets when one dies, no?

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