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Re: Partial Roth conversion questions

At Vanguard you can do this online if both the tIRA and Roth exist at Vanguard. When moving from one mutual fund in a tIRA to another in a Roth IRA, I move a specific dollar amount. Otherwise you lose control of the dollar amount when dealing with shares. With ETFs you need to deal with share amount...
by SpringMan
Wed Jul 30, 2014 4:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Partial Roth conversion questions
Replies: 6
Views: 404

Re: Anyone here use Personal Capital?

I signed up after hearing a commercial for it on TWIT podcasts. They have not hounded me to so far. I have not figured out how to delete my bank accounts, once entered. I only want to see my investment and retirement accounts. They send an email once a week with how your accounts have done in the pa...
by SpringMan
Tue Jul 29, 2014 11:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5207

Re: Tell me why I shouldn't buy individual muni bonds

It could make sense. Remember buying individual bonds are not Vanguard products so would not be considered in calculating your Flagship client status. If removing 500,000 dollars from Vanguard products will not change your client status, and you don't mind the additional complexity and plan to remai...
by SpringMan
Tue Jul 29, 2014 9:18 am
 
Forum: Investing - Help with Personal Investments
Topic: Tell me why I shouldn't buy individual muni bonds
Replies: 31
Views: 1768

Re: Vanguard sued for charging too little

This reminds me of the days when you could take your burnt out light bulbs back to Detroit Edison and get free replacements. Some pharmacy sued and won and the policy was abolished. A dumb law suit in my opinion.
by SpringMan
Sun Jul 27, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10687

Re: Equity Income Fund Good Performance

We own the admiral shares, VEIRX. A great fund with an expense ratio is .21%. It has under performed the S&P 500 over the last one year but not the 3 year, 5 year, or 10 year. It is a good proxy for the stock sleeve of Wellington and Wellesley funds. There are some that think the duration of the...
by SpringMan
Sun Jul 27, 2014 10:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Equity Income Fund Good Performance
Replies: 3
Views: 349

Re: VWENX vs. VFIAX?

They are not comparable at all, not the same type of investment. Vanguard Windsor Admiral, VWNEX, is a large cap value stock fund, 80% U.S stocks & 20% international stocks. link . Vanguard Total Intl Stock Index Admiral, VTIAX, all sizes of companies, with almost all international stocks and a...
by SpringMan
Wed Jul 23, 2014 5:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX vs. VFIAX?
Replies: 5
Views: 335

Re: VG Admiral Fund-falling below minimum investment

Regarding the suggestion of converting the mutual fund to an ETF, it should be pointed out Vanguard will not allow such conversions on their bond funds. Works as described above on their stock funds, that is it is free and not a taxable event. Furthermore the conversion works for investor shares as ...
by SpringMan
Mon Jul 21, 2014 2:21 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3328

Re: Favorite Athlete

Gordie Howe, despite the fact the his wife was into Amway.
by SpringMan
Sun Jul 20, 2014 11:57 am
 
Forum: Personal Consumer Issues
Topic: Favorite Athlete
Replies: 22
Views: 822

Re: POLL: Walmart vs Amazon

You have the right to extrapolate the "jerk in you mind story" to every rule out there. I can assure you we had no sinister motive to us arriving 15 minutes early. Believe me the customer relations exhibited by the door person did not reflect favorably on Sam's. My mind controls my behavi...
by SpringMan
Mon Jul 14, 2014 10:58 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8112

Re: POLL: Walmart vs Amazon

I have a different attitude toward rules. A good friend told me the story of a school performance where the doors were to open at 9:30. At 9:15, an elderly gentleman asked if he could go in to use the bathroom. They let him in, and when the doors opened at 9:30, he was sitting in the front row savi...
by SpringMan
Mon Jul 14, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8112

Re: POLL: Walmart vs Amazon

Another annoyance at Sam's Club is after going through the checkout and paying for the merchandise you are stopped by the door person and rechecked to make sure you have not stolen any merchandise. Costco, a store which I like, does the same thing. Most retail stores don't do this to every shopper. ...
by SpringMan
Mon Jul 14, 2014 10:39 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8112

Re: POLL: Walmart vs Amazon

I voted Amazon. I understand Walmart is the main big anchor box store in many cities and perhaps the lowest cost brick and mortar store. I recently received as a gift a membership to Sam's Club and have been totally disappointed. They had gas 3 cents higher than the Marathon station we passed on th...
by SpringMan
Mon Jul 14, 2014 10:27 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8112

Re: POLL: Walmart vs Amazon

I voted Amazon. I understand Walmart is the main big anchor box store in many cities and perhaps the lowest cost brick and mortar store. I recently received as a gift a membership to Sam's Club and have been totally disappointed. They had gas 3 cents higher than the Marathon station we passed on the...
by SpringMan
Mon Jul 14, 2014 9:57 am
 
Forum: Personal Consumer Issues
Topic: POLL: Walmart vs Amazon
Replies: 137
Views: 8112

Re: What to do with old Macbook Pro?

I just donated a Computer, removed HD bought a box and now that HD is a very adequate external BU drive (boxes can be purchased with both EIDE and USB 3 cables for about $30). This was a INTEL computer but reasonable same can be done with MAC hardware. Newer Macs are INTEL computers too. I assume y...
by SpringMan
Sat Jul 05, 2014 5:14 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1798

Re: What to do with old Macbook Pro?

Just a heads up, If you plan to replace your machine with a new MacBook pro. I have been looking into the new MacBook pro with retina screen. Apparently many users are experiencing ghosting problems where previous screens images are appearing as faint background images. They can be removed using a s...
by SpringMan
Fri Jul 04, 2014 5:12 pm
 
Forum: Personal Consumer Issues
Topic: What to do with old Macbook Pro?
Replies: 24
Views: 1798

Re: Should I buy a Kindle Fire?

In my opinion, the Kindle fire would be redundant if you own an iPad. Load the Kindle app on your iPad and you are all set. If you said your wanted a Kindle paper white primarily for reading books I would say go for it. The Kindle paper white has e-ink which allows reading in all lighting conditions...
by SpringMan
Sat Jun 28, 2014 4:23 pm
 
Forum: Personal Consumer Issues
Topic: Should I buy a Kindle Fire?
Replies: 20
Views: 1119

Re: Recorded Q&A with Rick Ferri and the RTP Bogleheads

Loved the video. Never heard the blueberry pie explanation regarding the benefit of simple portfolios. My portfolio leaves too much blueberry mess left on my plate :) . I wonder if, other than overlap and difficulty managing complex portfolios, do they really leave blueberries (dollars) behind (left...
by SpringMan
Tue Jun 24, 2014 1:35 pm
 
Forum: Investing - Theory, News & General
Topic: Recorded Q&A with Rick Ferri and the RTP Bogleheads
Replies: 25
Views: 3084

Re: Retirement age for software engineers

Depends on the company. Older software engineers are likely higher paid and can be replaced with less expensive younger employees. Many companies don't have qualms about laying off older workers and replacing them with recent graduates. Once laid off, older age can be a handicap finding a new job. I...
by SpringMan
Tue Jun 24, 2014 9:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Retirement age for software engineers
Replies: 94
Views: 9470

Re: Expense Ratio - what's too high?

I draw the line around .8%. I am happy when the total return for a fund is in the top 25% of similar funds. I guess I have not drunk enough of the koolaid, but this allows holding some very good funds like PIMIX at .45%, PRWCX at .73%, BERIX at .68%, and GLRIX at .79%. Sorry for all the ticker symbo...
by SpringMan
Mon Jun 16, 2014 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2785

Re: 30 advantages of Index Funds: Merriman

Index funds are relatively easy to choose. There are more than 10,000 actively managed mutual funds in which you could invest – making your selection a daunting choice unless you have “help” from a salesperson. In contrast, there are fewer than 100 index funds. I don't agree there are fewer than 10...
by SpringMan
Fri Jun 13, 2014 12:27 pm
 
Forum: Investing - Theory, News & General
Topic: 30 advantages of Index Funds: Merriman
Replies: 12
Views: 1217

Re: Any [iPhone] "Apps" you like?

Another useful app is a flashlight app, there are many of them. They turn your camera flash into a flash light which can be helpful when caught in the dark. If you have iOS 7 or greater than a flashlight is now built into the OS under the Control Center, and unless you have an iPhone 4 or earlier I...
by SpringMan
Thu Jun 12, 2014 12:50 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3992

Re: Any [iPhone] "Apps" you like?

Another useful app is a flashlight app, there are many of them. They turn your camera flash into a flash light which can be helpful when caught in the dark.
by SpringMan
Wed Jun 11, 2014 9:12 am
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3992

Re: Any "Apps" you like?

Gas Buddy is useful to find cheapest gas.
I use a Battery app to display battery usage.
Vanguard has an app.
I listen to many free podcasts.
by SpringMan
Mon Jun 09, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3992

Re: POLL: Do/did you get a match? How much?

I answered no match based on my last employer. At a previous employer I did get a small match. Survey does not consider the case of multiple employers over a long career.
by SpringMan
Fri Jun 06, 2014 4:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: Do/did you get a match? How much?
Replies: 67
Views: 4184

Re: "The Thin Green Line"

Mr. Bogle was certainly a handsome young lad in that circa 1975 photo.
by SpringMan
Fri Jun 06, 2014 3:20 pm
 
Forum: Investing - Theory, News & General
Topic: Blog: The thin green line
Replies: 12
Views: 1035

Re: ETF vs Mutual Fund? just noticed

VISAX is Virtus International Small-Cap A, I am sure you meant VSIAX and made a typo. As others have said Vanguard mutual funds can be converted to ETFs without creating a taxable event but not vice versa. Of course, in a tax advantaged account, you could sell and buy either way without tax conseque...
by SpringMan
Tue Jun 03, 2014 5:49 pm
 
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Fund? just noticed
Replies: 5
Views: 596

Re: what is your average Morningstar rating

Morningstar portfolio mgr gives an average of 4.16. Some of our Fidelity Spartan Advantage funds have not been rated yet.
by SpringMan
Mon Jun 02, 2014 6:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: what is your average Morningstar rating
Replies: 11
Views: 782

Re: VGD Intermediate corp bond vs total bond

VICSX has a .25% purchase fee, that would be a deal breaker for me. If you want that fund, the ETF version, VCIT, would avoid the fee.
by SpringMan
Mon Jun 02, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: VGD Intermediate corp bond vs total bond
Replies: 7
Views: 576

Re: Total Bond Index Fund amd Retirement

mptfan wrote:principle ..... principal.

Good point, I should have used principal. Principle may be easier to conserve or maybe not. :happy
by SpringMan
Sun Jun 01, 2014 12:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2000

Re: Total Bond Index Fund amd Retirement

The assumption that it would preserve the principle may not be valid. If interest rates were to rise, you will lose principle. This can be true to a lesser extent even reinvesting the dividends.
by SpringMan
Sun Jun 01, 2014 11:42 am
 
Forum: Investing - Help with Personal Investments
Topic: Total Bond Index Fund and Retirement
Replies: 16
Views: 2000

Re: Telecom Quandary

Verizon has the best coverage in the USA, it uses CDMA which won't work in Europe. You don't need Verizon directly, Page Plus Cellular uses Verizon's network at a much more reasonable cost. I bought a LG flip phone from Page Plus for $20. For $10.75 I bought 100 minutes that are good for four months...
by SpringMan
Sat May 31, 2014 2:30 pm
 
Forum: Personal Consumer Issues
Topic: Telecom Quandary
Replies: 14
Views: 1206

Re: Happy Anniversary! [From Vanguard to Clients]

Wife and I both received 20 year cards. They could have saved cost by a Mr. & Mrs. card. We have a joint account with them. It was a nice gesture.
by SpringMan
Sat May 31, 2014 12:46 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Happy Anniversary! [From Vanguard to Clients]
Replies: 44
Views: 3776

Re: Where store spare gas grill LP tank?

I store the current tank outside attached to the grill. Tank is turned off, you can't depend on just turning the grill off. I don't worry about rust since I turn in the tank for replacement rather than refilling. It costs $15 and change at Walmart for Blue Rhino, not much different than the cost of ...
by SpringMan
Sat May 31, 2014 10:05 am
 
Forum: Personal Consumer Issues
Topic: Where store spare gas grill LP tank?
Replies: 15
Views: 1068

Re: Who are the BogleHeads.org heavyweights?

I tip the scale at about 300 lbs. :happy
by SpringMan
Fri May 30, 2014 9:27 am
 
Forum: Forum Issues and Administration
Topic: Who are the Bogleheads.org heavyweights?
Replies: 127
Views: 8888

Re: Letter from CC company (Discover) re: current income

Discover has never asked us to update income. We have used the card for many years, including when I was working prior to 2004, the year I retired. Honestly I don't even know what our "current income" is. Earned income is 0, we do not work. Our income consists of SS and small pension, plus...
by SpringMan
Wed May 28, 2014 9:23 am
 
Forum: Personal Consumer Issues
Topic: Letter from CC company (Discover) re: current income
Replies: 13
Views: 1437

Re: Insurance needs for unimproved land

Check local restriction on putting up a structure without a home. I looked into putting up a small pole barn on a vacant 7 acre parcel I own. The township requires a $3500 deposit to do so. It is refunded only if you start to build a home within 3 years, otherwise it is forfeited. The idea was to pr...
by SpringMan
Mon May 26, 2014 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Insurance needs for unimproved land
Replies: 10
Views: 708

Re: The in-laws are broke!

Maybe one option for your in-laws to consider is a reverse mortgage on their paid off home. Generally a bad idea in most cases, but they may be the exception. I agree with the consensus of other posters above, put your children's priorities first. It is no longer their house. Belongs to one son (as...
by SpringMan
Mon May 26, 2014 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16208

Re: VWOB vs FNMIX

If you want to consolidate your accounts to Vanguard, keeping FNMIX, you could transfer Fidelity funds in-kind to Vanguard Brokerage Services at no additional cost to you. Check with them just to be sure. I was able to transfer several Fidelity funds to Vanguard Brokerage when I consolidated. I subs...
by SpringMan
Mon May 26, 2014 10:22 am
 
Forum: Investing - Help with Personal Investments
Topic: Emerging Mkt Bonds: VWOB vs FNMIX
Replies: 4
Views: 401

Re: The in-laws are broke!

Maybe one option for your in-laws to consider is a reverse mortgage on their paid off home. Generally a bad idea in most cases, but they may be the exception. I agree with the consensus of other posters above, put your children's priorities first.
by SpringMan
Mon May 26, 2014 10:05 am
 
Forum: Personal Finance (Not Investing)
Topic: The in-laws are broke!
Replies: 128
Views: 16208

Re: Netflix vs Amazon Prime?

A few months ago when we looked into it Netflix was the winner. I have found that Amazon's price with free two day shipping is often more than other sites have the same merchandise for after paying shipping. Amazon offers free shipping if your order is over 35 dollars, though not in just two days. I...
by SpringMan
Mon May 26, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: Netflix vs Amazon Prime?
Replies: 21
Views: 2482

Re: Denied Free Retirement Plan

coachz, If your current company has Fidelity and they offer a free sit down retirement plan with their counselor and you want to take them up on that, you don't need to take a day off and drive an hour. Do it over the phone when you are not at work. I did that just prior to retiring. A fidelity reti...
by SpringMan
Sun May 25, 2014 10:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Denied Free Retirement Plan [at Vanguard]
Replies: 31
Views: 3309

Re: Fidelity vs. Vanguard

I was in a similar situation when I retired. I moved enough money to Vanguard to obtain Flagship client status and left the remaining at Fidelity. I broke it up such that Vanguard had all our tax deferred IRAs so RMDs will be simpler when I turn 70.5. Fidelity has our Roth IRAs and a joint taxable a...
by SpringMan
Thu May 22, 2014 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity vs. Vanguard
Replies: 75
Views: 7951

Re: Bond index fund dividends

abuss368 wrote:Interest accrues by the day. If an investor sells a bond mutual fund with Vanguard that pays the interest monthly, they are credited with the month to date accrued interest.

This is true for the mutual fund share class but not for the ETF share class such as BND.
by SpringMan
Thu May 22, 2014 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: Bond index fund dividends
Replies: 6
Views: 864

Re: Co-worker made a dumb mistake with 401k transfer???

The mistake was rolling over the old 401-k to the new 401-k when it could have been rolled into a low cost IRA. The damage has already been done. In service rollover is an unlikely an option unless the person is over 59.5. However, it does not hurt to ask. Most 401-ks have a stable value option, may...
by SpringMan
Wed May 14, 2014 6:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: Co-worker made a dumb mistake with 401k transfer???
Replies: 28
Views: 2334

Re: Poll: Do you own Total Bond Market?

We own a little bit but also own PIMIX, VFSUX, VSCSX, VWEAX, and some moderate and conservative balanced funds. The lions share of our fixed income is short term which includes quite a bit of cash/VMMXX.
by SpringMan
Wed May 14, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: Do you own Total Bond Market?
Replies: 50
Views: 4472

Re: Vanguard Total International Bond Index Fund

Used to own VTIAX, admiral share of total international. Tax loss harvested by exchanging it into VFWAX, FTSE all world ex US which now has too much unrealized cap gains to switch back. Same thing happened to me with TSM which I switched to Large Cap Index. In a traditional IRA I still own both thes...
by SpringMan
Fri May 09, 2014 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Total International Bond Index Fund
Replies: 38
Views: 3401

Re: What if You Found Your Accounts Hacked/Empty?

This is one reason I disagree with those Bogleheads that say you should never look at your accounts or only once a year to rebalance. If such a thing happened I would want to know ASAP and get right on it. Bad news does not get better with age.
by SpringMan
Wed May 07, 2014 7:59 am
 
Forum: Investing - Theory, News & General
Topic: What if You Found Your Accounts Hacked/Empty?
Replies: 46
Views: 2521

Re: My three fund portfolio

Another option would be to replace VBTLX in your taxable account with one of Vanguard's tax exempt municipal bond funds.
by SpringMan
Tue May 06, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: My three fund portfolio
Replies: 4
Views: 914

Re: Expense Ratios

Expense ratios are important but not the be all/end all criteria for me. My four highest that I own by choice are PRWCX (.73%), BERIX (.68%), GLRIX (.79%) and PIMIX (.45%). Total return is net of expense ratio and I have been happy with these funds. Overall weighted expense ratio is .24% including t...
by SpringMan
Tue May 06, 2014 5:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratios
Replies: 22
Views: 1508
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