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Re: Dan Wiener

roymeo wrote:I do now recall that Dan Wiener called out some crap fund(s) of Vanguard's for quite a while...anyone recall the fund(s) and story?

I believe one fund was Vanguard US Growth fund. If I recall, he was critical of Vanguard Star fund because it bundles in US Growth fund as a sub-fund.
by SpringMan
Tue Sep 30, 2014 5:11 am
 
Forum: Investing - Theory, News & General
Topic: Dan Wiener
Replies: 19
Views: 2460

Re: POLL: When I gift/will shares to my relatives, I expect

No expectations, my understanding for taxable shares there is a difference in the treatment of an inheritance vs a gift. The former involves a stepped up cost basis. Gifts to a charity may also have cost basis treated differently. Gifts to non charities will have original cost basis and may involve ...
by SpringMan
Mon Sep 29, 2014 5:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: When I gift/will shares to my relatives, I expect ...
Replies: 24
Views: 1531

Re: Will you invest in Bill Gross's new bond fund?

The only Pimco fund I own is PIMIX and I own it at Fidelity. No plans to make any changes. The manager of PIMIX is Dan Ivascyn and he has done a good job with PIMIX. He is said to be replacing Bill Gross. IMO he would be an improvement. He was Morningstar's fixed income manager of the year in 2013. ...
by SpringMan
Mon Sep 29, 2014 4:57 pm
 
Forum: Investing - Theory, News & General
Topic: Will you invest in Bill Gross's new bond fund?
Replies: 50
Views: 2368

Re: Verizon to Page Plus - documenting my experience

Kitty has raised its fee on the $10 / 100 minute plan (and other plans) to $3.00 starting in September. I have used them when the fee was .75 for a total of $10.75. Three bucks does not break the bank but there are other Page Plus sellers out there. Here is one that says no fees. No experience with...
by SpringMan
Mon Sep 29, 2014 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7679

Re: favorite brand name products

Gillete razors - still haven't tried the mail-order brands, but may have to think about it. Razors are getting stupid expensive Dorco http://www.dorcousa.com/ are as good, if not better than any razors I've ever used, for about 1/3 the price. They are the same razors used by the Dollar Shave Club w...
by SpringMan
Mon Sep 29, 2014 11:48 am
 
Forum: Personal Consumer Issues
Topic: favorite brand name products
Replies: 58
Views: 2687

Re: Verizon to Page Plus - documenting my experience

Kitty has raised its fee on the $10 / 100 minute plan (and other plans) to $3.00 starting in September. I have used them when the fee was .75 for a total of $10.75. Three bucks does not break the bank but there are other Page Plus sellers out there. Here is one that says no fees. No experience with ...
by SpringMan
Mon Sep 29, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7679

Re: R u selling PIMCO bond fund

I currently hold Pimco Income fund, PIMIX, which is managed by Dan Ivascyn. He is the heir apparent for Bill Gross. My concern is that if he has new responsibilities, will he still be as adept with PIMIX. I have no plans to sell but will be monitoring carefully, like I do everything else anyway.
by SpringMan
Sun Sep 28, 2014 4:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: R u selling PIMCO bond fund
Replies: 19
Views: 1727

Re: iOS 8 update available today

Something to consider- If you buy a 16gb (or 8 gb) expandable phone and a $40 64gb SD card (making your phone 72-80 gb), in two years when you replace your phone you already have the 64 gb card with all your stuff on it that you can just pop into your new 16 gb phone. You can also pop the card into...
by SpringMan
Wed Sep 24, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5546

Re: Can Active Fund Strategy Beat Vanilla Index Fund?

As one who owns TR Price Capital Appreciation (PRWCX), I see nothing wrong with a Price fund for 5% of a portfolio.
by SpringMan
Wed Sep 24, 2014 4:47 pm
 
Forum: Investing - Theory, News & General
Topic: Can Active Fund Strategy Beat Vanilla Index Fund?
Replies: 25
Views: 1496

Re: Do you consider Dan Wiener to be a Boglehead?

Without giving away any of his proprietary secrets, I am curious as to what is his take on Vanguard's bond funds? Does he still look to active management?
by SpringMan
Tue Sep 23, 2014 2:03 pm
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2078

Re: Do you consider Dan Wiener to be a Boglehead?

He is a Boglehead in the sense that Vanguard actively managed funds are low cost. However, I would never pay for his advice. Many Bogleheads use actively managed Vanguard funds, just look at all the Wellington and Wellesley threads.
by SpringMan
Tue Sep 23, 2014 11:49 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider Dan Wiener to be a Boglehead?
Replies: 32
Views: 2078

Re: The Roosevelts, PBS special

TR was a remarkable man. Many of us baby boomers do not share his hawkish attitude towards war because we witnessed the Vietnam war and more recently wars like the Iraq war. Many other boomers have witnessed these conflicts at a closer range and understand that if your nation calls for you to fight...
by SpringMan
Mon Sep 22, 2014 9:04 pm
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 100
Views: 7908

Re: Buy PCRIX today?

I can guarantee if your 5% allocation of anything goes to ZERO it won't impact your financial future more then if you start tinkering with your IPS. As mentioned above sticking to good plan is much more important then trying to get to a perfect plan. In the real world of investing that means folks ...
by SpringMan
Mon Sep 22, 2014 10:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Buy PCRIX today?
Replies: 31
Views: 2608

Re: Verizon to Page Plus - documenting my experience

As mentioned in my earlier posts in this thread, I planned to switch to Page Plus when my Onstar expired. Last winter during a cold snap my Onstar quit working. It drained my battery and would talk to me every time my car door opened. GM wanted $800 to replace the module or $200 to just disable it. ...
by SpringMan
Mon Sep 22, 2014 9:24 am
 
Forum: Personal Consumer Issues
Topic: Verizon to Page Plus - documenting my experience
Replies: 63
Views: 7679

Re: Allen Roth contribution to article.

heyyou wrote:In the Clements article is the link to the Catey Hill "10 Things" article.

Yes. I was a little surprised by #7.
by SpringMan
Sun Sep 21, 2014 1:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Allen Roth contribution to article.
Replies: 6
Views: 524

Re: iOS 8 update available today

I added a $99 upgrade to the 64GB version given I had to delete some pictures on my 5S in order to download iOS 8 @ 5+ GB That's also why I went with the 64GB version...16GB just doesn't cut it anymore. Too bad Apple didn't make the base phone 32GB. Or at least allow for a micro SD card for expansi...
by SpringMan
Sun Sep 21, 2014 11:51 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5546

Re: Allen Roth contribution to article.

The link takes me to an article by Jonathan Clements, "3 fast ways to gauge your financial health". You are correct. Allan Roth is mentioned, “The goal isn’t to be the richest person in the graveyard,” says financial planner Allan Roth, author of “How a Second Grader Beats Wall Street.” “...
by SpringMan
Sun Sep 21, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Allen Roth contribution to article.
Replies: 6
Views: 524

Re: The Roosevelts, PBS special

Just finished the first three episodes. TR was a remarkable man. Many of us baby boomers do not share his hawkish attitude towards war because we witnessed the Vietnam war and more recently wars like the Iraq war. I was saddened that TR lost his son that he himself indirectly steered into the great ...
by SpringMan
Sun Sep 21, 2014 11:25 am
 
Forum: Personal Consumer Issues
Topic: The Roosevelts, PBS special
Replies: 100
Views: 7908

Re: Trusting our advisor?

Livesoft, Mr. Bogle is conspicuously not on your list :). This site is called Bogleheads. We all know how he feels about international. Also, the OP and your endorsement with respect to 65/35 equity to fixed income is counter to Mr. Bogle's age in fixed income mantra. 65/35 is too aggressive for man...
by SpringMan
Sun Sep 21, 2014 10:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Trusting our advisor?
Replies: 25
Views: 1884

Re: Allen Roth contribution to article.

I also thought the linked article called 10 things retirees don't tell you was interesting. Much truth in both pieces.
by SpringMan
Sun Sep 21, 2014 10:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Allen Roth contribution to article.
Replies: 6
Views: 524

Re: iOS 8 update available today

We updated both an iPod touch and an iPad to iOS 8 on Saturday. In both cases it was necessary to delete some music and apps to free up enough space to perform the update. In iOS 7 there was a bug where you could not delete a music album by swiping to the album art to the left, at least on my machin...
by SpringMan
Sun Sep 21, 2014 10:06 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 65
Views: 5546

Re: FLICKR

No special tool, just used the upload tab. Used several passes, maybe 10 or more. One time the progress bar was so slow I left it run over night.
by SpringMan
Fri Sep 19, 2014 9:11 pm
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 7
Views: 743

Re: FLICKR

I just finished uploading several thousand photos to flickr. Made permissions family and friends and myself only. Seems like a good way to save photos as long as you also maintain your own local backup. Thanks for the feed back.
by SpringMan
Sun Sep 14, 2014 8:48 pm
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 7
Views: 743

FLICKR

FLICKR offers a free TB of storage for photos and videos. Need to setup a yahoo email account which is also free. There are privacy setting that can be setup. I started uploading my photos. I am wondering are there any downsides? I already backup photos to an external hard drive but the idea of an o...
by SpringMan
Sun Sep 14, 2014 5:53 pm
 
Forum: Personal Consumer Issues
Topic: FLICKR
Replies: 7
Views: 743

Re: which apps for Windows 8 phone?

Be careful in purchasing apps from the Windows store. For example, VLC is a free movie player but there are some apps in the Windows store that are charging for it. You can't go wrong if you just download free apps.
by SpringMan
Sun Sep 14, 2014 5:34 pm
 
Forum: Personal Consumer Issues
Topic: which apps for Windows 8 phone?
Replies: 6
Views: 413

Re: Don't even know where to start on this AARP article

I don't see how RMDs are a surprise to anyone. The percentages are known. Like pointed out, having to pay income taxes is usually a good problem to have. Better than having no income and no taxes in most cases, having everything in Roths could be a possible exception.
by SpringMan
Thu Sep 11, 2014 10:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Don't even know where to start on this AARP article
Replies: 38
Views: 4982

Re: Reliable Portable CD Player Needed

I recently bought a laptop computer that had no optical drive yet the manufacturer provided DVD installation disks for Win 7 and Win 8. I started looking for a portable external optical drive and was surprised at how reasonable they are priced on Amazon. This type of player is not exactly what you a...
by SpringMan
Thu Sep 11, 2014 10:28 am
 
Forum: Personal Consumer Issues
Topic: Reliable Portable CD Player Needed
Replies: 28
Views: 1410

Re: Costco vs Amazon?

Costco!!!! And we only have Sam's club now. Can't wait til Costco opens next year. Bye Sam's Sam's service is the worst of any businesses we use. I can't stand Sam's clubs anymore. To many bad experiences with Sam's clubs. Poorly managed here. Absolutely agree about Sam's and Walmart does not impre...
by SpringMan
Thu Sep 11, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: Costco vs Amazon?
Replies: 60
Views: 4615

Re: Cell Phone Plans

Also check out Republic Wireless, they don't use Verizon as primary (Sprint) but do have roaming agreements with Verizon. Roaming is no additional charge. My son has a $25 per month plan with data. They use wi-fi for phone calls when its available thus saving cost. When initiating a call from where ...
by SpringMan
Wed Sep 10, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 946

Re: Cell Phone Plans

I would check out Page Plus Cellular. They use Verizon's network. Up until now they have not offered LTE but I recently got an email that they are offering LTE starting in October with pre-orders being taken now. I am fan of theirs, I cheap out and use their $10.75 for 4 months, 100 minute plan in c...
by SpringMan
Wed Sep 10, 2014 10:52 am
 
Forum: Personal Consumer Issues
Topic: Cell Phone Plans
Replies: 12
Views: 946

Re: "Why 97% of People Don't Use 529 College Savings Plans."

Adam Bold of "the mutual fund store" and host of a weekly radio show advises against 529 plans in favor of taxable investments earmarked for the child. He gives many reasons but none in my opinion are the real reason, his firm gets paid a percentage of assets under management and he would ...
by SpringMan
Tue Sep 09, 2014 5:56 pm
 
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 110
Views: 10612

Re: Poll: Which iPhone 6?

I am a neither. I use a dumb phone with Page Plus Cellular that cost me $10.75 every 4 months and uses Verizon's network. I voted for the bigger iphone6 plus because I like it better of the two options. Longer battery life and 1080p screen are in its favor.
by SpringMan
Tue Sep 09, 2014 5:48 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Which iPhone 6?
Replies: 41
Views: 3031

Re: Why is REIT only sector fund recommended in slice & dice

Some of the Couch Potato slice and dice portfolios also include the Energy sector.
http://assetbuilder.com/couch_potato/co ... o_cookbook
by SpringMan
Mon Sep 08, 2014 5:03 pm
 
Forum: Investing - Theory, News & General
Topic: Why is REIT only sector fund recommended in slice & dice?
Replies: 113
Views: 7895

Re: Sump Pumps

When our house was built in 1971, it was normal to use drain tile along the outside perimeter of the basement and a sump pump in the basement. After several years we noticed water seeping in at the basement floor and the wall in several locations. We contacted a basement waterproofing company and th...
by SpringMan
Mon Sep 08, 2014 11:58 am
 
Forum: Personal Consumer Issues
Topic: Sump Pumps
Replies: 11
Views: 845

Re: Do you consider your emergency fund part of your portfol

Our bank accounts are not considered when analyzing our portfolio. Accounts at Vanguard and Fidelity both are linked to each other and their tools look at combined holdings at both firms. Checking and savings accounts that make up our emergency fund are not included in our pie charts.
by SpringMan
Mon Sep 08, 2014 8:52 am
 
Forum: Investing - Theory, News & General
Topic: Do you consider your emergency fund part of your portfolio?
Replies: 50
Views: 3053

Re: Vanguard Lost $50k

It begs the question, has Vanguard gotten too big to provide excellent service? When someone says the will call back and fails to do so :( , not good. I hope this gets resolved satisfactorily. Sorry to hear this. Those posting about BofA, nothing surprises me with them. It does surprise me with resp...
by SpringMan
Sun Sep 07, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10755

Re: 50-50 Wellesley-Wellington or Total Bond-Total Stock

I like Wellesley Income paired up with Berwyn Income for a conservative allocation. For a moderate allocation I like Wellington paired up with T Rowe Price Capital Appreciation. Of course these are not my only holdings.
by SpringMan
Fri Sep 05, 2014 9:20 pm
 
Forum: Investing - Theory, News & General
Topic: 50-50 Wellesley-Wellington or Total Bond-Total Stock
Replies: 68
Views: 5413

Re: Which generator do you have?

Have installed a backup sump pump that uses city water. How well does this work? What happens if the city loses power also? I currently have a battery back-up sump pump with no complaints so far, but I have been contemplating buying a generator to keep the other 2 sump pumps running. Wondering if I...
by SpringMan
Wed Sep 03, 2014 3:40 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7801

Re: Which generator do you have?

I have had a lot of portable generators. First one was a 3000 watt Montgomery Wards/Onan which we used to run a skill saw where electric was not available building a cabin and to plug our sump pump into during power outages. Second one used much the same way and pump water into our cabins storage ta...
by SpringMan
Wed Sep 03, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: Which generator do you have?
Replies: 127
Views: 7801

Re: Should I bite the bullet and pay 50k in fees?

This whole thread makes me realize what snakes these annuity salesmen are. There should be a law against such self serving insurance salesmen. Maybe there is, I would check to see if anything can be done and possibly pursue legal action if it makes sense. As others have pointed out, better to learn ...
by SpringMan
Tue Sep 02, 2014 4:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Should I bite the bullet and pay 50k in fees?
Replies: 39
Views: 4172

Re: Excess RMD

Gift some to your children? Easy for me to say, I am not taking RMDs yet. :)
by SpringMan
Sun Aug 31, 2014 1:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Excess RMD
Replies: 19
Views: 974

Re: strategy to get brokerage bonuses

All Fidelity would do for me was give me 200 free trades. Those are worthless to me.
by SpringMan
Mon Aug 25, 2014 5:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: strategy to get brokerage bonuses
Replies: 54
Views: 3717

Re: No room on your Windows hard drive? Cleanup Update files

I would love to delete "Intel Network Connection Drivers 16.1" and its 1 million MB, which I apparently haven't used in 2 years, from my Windows XP - but I fear unintended consequences. In a case like this I would rename the file or folder and see if there are unintended consequences. If ...
by SpringMan
Fri Aug 22, 2014 5:29 pm
 
Forum: Personal Consumer Issues
Topic: No room on your Windows hard drive? Cleanup Update files
Replies: 60
Views: 4615

Re: Which Vanguard BOND Fund ?

Rather than pay the .25% purchase fee for VICSX, I would avoid the fee and buy the ETF, VCIT. That said, I don't own either. I own the short term corp index, VSCSX, no purchase fee for it. I am also an owner of VBTLX, total bond market index.
by SpringMan
Thu Aug 21, 2014 4:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard bond Fund ?
Replies: 36
Views: 3237

Re: Bad(?) advice given about Target Date Retirement funds

I think the reason that target date funds get bad press from many financial advisors is that when people invest in them it puts the advisors out of a job.
by SpringMan
Tue Aug 19, 2014 5:28 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6510

Re: Amazon.com prices change quickly

Another variable affecting price is color. I purchased a Seagate USB external disk drive. The Amazon ad defaulted to red color. There were other choices including black. Though the exact same hardware the black drive was 20 dollars cheaper. It is not always black that is cheapest either. I saw a Sam...
by SpringMan
Mon Aug 18, 2014 12:22 pm
 
Forum: Personal Consumer Issues
Topic: Amazon.com prices change quickly
Replies: 59
Views: 7609

Re: Bad(?) advice given about Target Date Retirement funds

The glide path concern does not apply to Vanguard's Target Retirement Income fund which has no glide path. My objection to the TD funds is that they do not use admiral share class for the sub-funds regardless of how much is invested. If you can afford it, it is better to use admiral shares and do yo...
by SpringMan
Mon Aug 18, 2014 12:09 pm
 
Forum: Investing - Theory, News & General
Topic: Bad(?) advice given about Target Date Retirement funds
Replies: 103
Views: 6510

Re: Receiving Spam Emails Since Joining

Never received any spam attributed to Bogleheads. I do think but am not 100% sure that joining Morningstar resulted in some spam.
by SpringMan
Sun Aug 17, 2014 11:26 am
 
Forum: Forum Issues and Administration
Topic: Receiving Spam Emails Since Joining
Replies: 14
Views: 1289

Re: Windows 7 PC?

Download a program called "ShouldIKeepIt". Can you post a url for this? Google searches were fruitless. Apparently people are more concerned about should they keep babies, household junk and old documents. The program was actually called "ShouldIRemoveIt" not "ShouldIKeepIt...
by SpringMan
Sat Aug 16, 2014 9:02 am
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2544

Re: Windows 7 PC?

I recently bought an HP Pro 13" laptop that came with Win 7 Proffesional. It came with two optical disks, one for Win 7 and one for Win 8 which I thought strange since the computer had no optical drive. I know there are cheap external optical drives available and there is also a way to copy a W...
by SpringMan
Fri Aug 15, 2014 6:24 pm
 
Forum: Personal Consumer Issues
Topic: Windows 7 PC?
Replies: 49
Views: 2544
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