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Re: How far away from a freight railroad track should you li

We moved 1 block from a RR which ran behind the back yards of the last street in our sub. It was a single track and the train ran infrequently. About 10 years ago, the track was removed and it became a bike trail, part of the rails to trails movement.
by SpringMan
Mon Apr 27, 2015 11:33 am
 
Forum: Personal Consumer Issues
Topic: How far away from a freight railroad track should you live?
Replies: 43
Views: 2198

Re: Who follows Age in Bonds

stemikger wrote:Rx 4 Investing. Great information. Thanks for posting it.

Yes, I agree what a great first post. Welcome to the forum Rx 4 investing.
by SpringMan
Sat Apr 25, 2015 4:04 pm
 
Forum: Investing - Theory, News & General
Topic: Who follows Age in Bonds
Replies: 62
Views: 4370

Re: International Stock Poll: Emerging vs Developed Ratio

According to Vanguard we are 87% developed, 13% emerging which is about 9% underweight in emerging.
by SpringMan
Fri Apr 24, 2015 10:35 am
 
Forum: Investing - Theory, News & General
Topic: International Stock Poll: Emerging vs Developed Ratio
Replies: 55
Views: 2512

Re: "How much of your portfolio is in index funds, and why?"

50% of total is indexed, 100% of taxable is indexed. Active management in IRAs include Wellesley, PRIMECAP, Capital Opportunity, Health Care, and High Yield and Investment Grade bond funds.
by SpringMan
Tue Apr 21, 2015 7:08 pm
 
Forum: Investing - Theory, News & General
Topic: "How much of your portfolio is in index funds, and why?"
Replies: 76
Views: 6320

Re: Great little interview with John Bogle

JoMoney wrote:
Call_Me_Op wrote:Japan.

Is that suppose to be an argument for, or against international investing?

I assume Japan is an argument for international because it is an example of what can happen when betting 100% on one country.
by SpringMan
Tue Apr 21, 2015 9:15 am
 
Forum: Investing - Theory, News & General
Topic: Great little interview with John Bogle
Replies: 23
Views: 2194

Re: leaving personal capital

I am curious if Personal Capital has an account closing fee. Vanguard's policy is to not reimburse account closing fees, they don't charge them either. I would suggest doing in-kind transfers, at least on the ones with short term gains. Hopefully Personal Capital made you a decent return, the compan...
by SpringMan
Tue Apr 21, 2015 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: leaving personal capital
Replies: 8
Views: 1025

Re: Best way to get rid of practically worthless stock

What if the stock is in an IRA so you can't write off the loss on your taxes? I own one such stock.
by SpringMan
Tue Apr 21, 2015 4:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Best way to get rid of practically worthless stock
Replies: 15
Views: 1503

Re: Questions for Financial Adviser

It is difficult to advise a father in-law how to invest. He would be better off managing has own money or using a low cost advisor like Vanguard's PAS which costs .3% or Rick Ferri's Portfolio Solutions. He should not worry about his advisor's hurt feelings, it is his money. Looking at LPL's website...
by SpringMan
Mon Apr 20, 2015 9:03 am
 
Forum: Investing - Help with Personal Investments
Topic: Questions for Financial Adviser
Replies: 18
Views: 876

Re: Vanguard Certified Financial Planner

I believe VG is no longer providing the free financial plans, but someone will correct that if I'm wrong. It is news to me but you may be right. It looks like Voyager Select and higher can consult with a CFP for free if they have a specific investment question. Nothing is mentioned about a free fin...
by SpringMan
Mon Apr 20, 2015 8:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Certified Financial Planner
Replies: 10
Views: 1771

Re: What Is The Worst Car You Have Ever Owned?

1973 Chevy Vega, it was a real rust bucket. The engine drank oil, not much good to say about it other than it was cheap.
by SpringMan
Sat Apr 18, 2015 11:11 am
 
Forum: Personal Consumer Issues
Topic: What Is The Worst Car You Have Ever Owned?
Replies: 39
Views: 1770

Re: Porter Stansberry advising going to 100% cash - Help!

This Porter Stansberry sounds like a clown, but I hope he's right! I have 40 years until retirement, so a drop like that would prompt me to buy like it's nobody's business! Sorry but this thinking sounds a bit self centered. If the economy tanks believe me there will be enough unpleasantness to go ...
by SpringMan
Sat Apr 18, 2015 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Porter Stansberry advising going to 100% cash - Help!
Replies: 56
Views: 7360

Re: Does your family know about your net worth (ball park)?

Parents are dead but had a ball park idea when they were alive. Kids have ball park idea of our financials but don't share their financials with us. We have a ball park idea of their salaries based on their job codes. I think it is a benefit for kids to know their parents are financially independent...
by SpringMan
Sat Apr 18, 2015 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Does your family know about your net worth (ball park)?
Replies: 98
Views: 11262

Re: Considering the new MacBook 12-inch Retina ...

15 inch MacBook Pro. Love it. I was surprised that the Apple store was selling refurbished 15" MacBook Pros starting at $1099. The $1099 model would be the non retina version with all the ports, quad core i7, Nvidia graphics card, spinning hard drive and optical drive. Apple refurbished has sa...
by SpringMan
Sat Apr 18, 2015 9:18 am
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3534

Re: Is there a good IPOD alternative?

The OP (CountryBoy) already answered that he had a early Verizon clam shell phone with little need for a smart phone.
by SpringMan
Sat Apr 18, 2015 8:46 am
 
Forum: Personal Consumer Issues
Topic: Is there a good IPOD alternative?
Replies: 27
Views: 1752

Re: Is there a good IPOD alternative?

There are likely more old, used, second hand iPhones out there than iPods. An iPhone is basically an iPod touch with cellular but the cellular option does not need to be used or activated. Should be able to pick up an old iPhone for cheap. For that matter any android device can also play music thoug...
by SpringMan
Sat Apr 18, 2015 7:56 am
 
Forum: Personal Consumer Issues
Topic: Is there a good IPOD alternative?
Replies: 27
Views: 1752

Re: Expense Ratio Questions

Vanguard Portfolio Watch tool will also calculate the overall ER which is handy for more complicated portfolios. Morningstar's instant xray tool will do this too.
by SpringMan
Fri Apr 17, 2015 2:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Expense Ratio Questions
Replies: 6
Views: 781

Re: Considering the new MacBook 12-inch Retina ...

Leif wrote:With your priorities I would go with the Air.

You did read the OP already pulled the trigger and bought a MacBook Pro Retina?
by SpringMan
Wed Apr 15, 2015 11:25 am
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3534

Re: Considering the new MacBook 12-inch Retina ...

MacBook Pro Retina is a good choice. I bought one from B&H and saved quite a bit compared to Apple. Mine has the older type trackpad, not the new "force" trackpad. Now I am trying to learn Apple numbers and am having difficulty getting it to do some of the things excel does. Love the c...
by SpringMan
Wed Apr 15, 2015 11:02 am
 
Forum: Personal Consumer Issues
Topic: Considering the new MacBook 12-inch Retina ...
Replies: 26
Views: 3534

Re: Can I incorporate stop loss into this investment philoso

In my opinion stop losses are more likely to hurt you than help. There are so many times where a huge down day is followed by a huge up day. I have no data to back this up other than anecdotal. A good friend using stop losses got stopped out only to see the market rally back and said they won't use ...
by SpringMan
Mon Apr 13, 2015 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: Can I incorporate stop loss into this investment philosophy?
Replies: 31
Views: 1595

Re: Moving away from VGSTX

You are going to pay the tax bill regardless since your goal is to cash in the gains in a few years anyways. Thus, you might as well improve on it now. The bright side is that the taxes will be less than if you had those same gains in a savings account, plus the gains have been much larger, too. Th...
by SpringMan
Mon Apr 13, 2015 7:41 am
 
Forum: Investing - Help with Personal Investments
Topic: Moving away from VGSTX
Replies: 4
Views: 944

Re: 401k "Fee Freedom" Day

Fidelity has two types of Freedom funds, the Freedom Index funds have low expenses but unfortunately are not always available. Here is a list. FJIFX Summary - Fidelity Freedom ® Index 2005 FundNo Transaction Fee FKIFX Summary - Fidelity Freedom ® Index 2010 FundNo Transaction Fee FLIFX Summary - Fid...
by SpringMan
Mon Apr 13, 2015 6:50 am
 
Forum: Investing - Theory, News & General
Topic: 401k "Fee Freedom" Day
Replies: 11
Views: 1104

Re: How does a retired person mitigate a Bond Bubble?

The average duration of VBTLX is not 7 years, it is more like 5.6 years, so not quite that bad for a 2% interest rate rise.
by SpringMan
Sun Apr 12, 2015 8:09 am
 
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5747

Re: My Portfolio is a mess. Please help me sort it out.

I think you are in great shape considering your age. I had Personal Capital review my own portfolio and had some concerns with them. First was their review was a more or less a sales pitch for their service which involves investing in individual stocks. They expect you to turn over the investment de...
by SpringMan
Fri Apr 10, 2015 4:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: My Portfolio is a mess. Please help me sort it out.
Replies: 20
Views: 2191

Re: Can anyone recommend a good low cost generator?

Running your furnace requires more than just a small portable generator that many have suggested. It needs to have the proper electrical transfer switch installed, otherwise there is a possible danger of shocking utility workers . Furnaces generally are hard wired, so it is not just a manner of plug...
by SpringMan
Fri Apr 10, 2015 7:08 am
 
Forum: Personal Consumer Issues
Topic: Can anyone recommend a good low cost generator?
Replies: 35
Views: 2073

Re: 50.00 Fee from Fidelity for transfer

I was hit with the 50 dollar closing fee per account when I transferred Roths to Vanguard from Fidelity. It was money well spent IMO. Years ago Fidelity reimbursed my account closing fee at E*Trade when I moved it to Fidelity, $60 at the time. In the big scheme of things the closing fee is meaningle...
by SpringMan
Fri Apr 10, 2015 6:55 am
 
Forum: Investing - Help with Personal Investments
Topic: 50.00 Fee from Fidelity for transfer
Replies: 26
Views: 2392

Re: These 5 Vanguard Index Funds Are All You Need

VICSX has a .25 purchase fee, that would rule out that one for me.
by SpringMan
Wed Apr 08, 2015 9:15 am
 
Forum: Investing - Theory, News & General
Topic: These 5 Vanguard Index Funds Are All You Need
Replies: 8
Views: 3228

Re: Microsoft's Surface 3- anyone considering?

Louis Winthorpe III wrote:With Vista and Windows 8, it's almost as if Microsoft's primary goal was to piss off its customers. I'm hoping Windows 10 is as much of an improvement over Windows 8 as Windows 7 was over Vista.

Add to the list of bad Windows, Win ME. It was by far the worst version in my opinion.
by SpringMan
Wed Apr 08, 2015 4:54 am
 
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3758

Re: How do I grow my traditional IRA faster than my Roth?

Your question is how do you grow your traditional IRA faster than your Roth? You seem to have it backwards, you want your Roth to grow faster. If so, put the assets with the expected higher return in the Roth.
by SpringMan
Mon Apr 06, 2015 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: How do I grow my Roth IRA faster than my traditional IRA?
Replies: 24
Views: 2407

Re: Vanguard advice to increase international bonds and stoc

Looking at some of our holdings, I was surprised to find out how much we have in foreign bonds without even considering Vanguard's foreign bond index fund, VTABX. According to Morningstar under Portfolio tab. VFSUX (Short Term Investment Grade) has about 25% foreign bonds. VWEAX (High Yield Corporat...
by SpringMan
Sun Apr 05, 2015 12:50 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3376

Re: Your homeowner and auto insurance annual rate increases?

I find it very frustrating, insurance companies are like your cable or phone companies. Loyalty is not rewarded but rather punished. If you don't switch companies every couple of years, you get higher and higher rates. Clark Howard said in one of his radio shows that there is an actual list of folks...
by SpringMan
Sun Apr 05, 2015 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Your homeowner and auto insurance annual rate increases?
Replies: 30
Views: 3212

Re: Vanguard advice to increase international bonds and stoc

Increasing international is IMO market timing. What happened to stay the course mantra? The valuations of foreign markets make them look like better values right now so lets increase our allocation to them. I am not saying Vanguard may not be right, sometimes market timing works, yet we all hear you...
by SpringMan
Sat Apr 04, 2015 10:32 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard advice to increase international bonds and stocks
Replies: 27
Views: 3376

Re: "Is Morningstar Losing Relevance In An Indexing World?"

There is much more to Morningstar than just mutual funds, such as individual stocks. Because there are so many investors that buy individual stocks even if every mutual fund investor bought index funds Morningstar will still have relevance. Their tools such as xray, charts, along with the shear amou...
by SpringMan
Sat Apr 04, 2015 10:03 am
 
Forum: Investing - Theory, News & General
Topic: "Is Morningstar Losing Relevance In An Indexing World?"
Replies: 25
Views: 2395

Re: Getting a brokerage to convert Vanguard fund to admiral

Do not allow them to do an exchange as it may generate a taxable event. See if they will do a conversion which is not a taxable event. I don't think calling Vanguard will help as the fund is not held by Vanguard or VBS. Brokerages all have their own rules on admiral shares. You should deal with your...
by SpringMan
Fri Apr 03, 2015 8:28 am
 
Forum: Investing - Help with Personal Investments
Topic: Getting a brokerage to convert Vanguard fund to admiral
Replies: 4
Views: 460

Re: Surface 3- anyone considering?

Not currently in the market but I think my next PC might be a Signature Edition from Microsoft. I am really tired of the crapware that companies like HP put on their out of the box computers.
by SpringMan
Fri Apr 03, 2015 7:54 am
 
Forum: Personal Consumer Issues
Topic: Microsoft's Surface 3- anyone considering?
Replies: 35
Views: 3758

Re: MacBook Air or MacBook Pro

If you are looking to upgrade the memory, save the money and do it yourself. Apple would only upgrade to 8 GB, but my Mac could handle 16 GB and it was easy to do myself. As a previous poster said, there are a ton of videos online. Newer MacBook Pro retinas and MacBook Airs have soldered RAM so buy...
by SpringMan
Thu Apr 02, 2015 11:18 am
 
Forum: Personal Consumer Issues
Topic: MacBook Air or MacBook Pro
Replies: 27
Views: 1855

Re: VWENX or VBIAX for long term

VWENX has 7.76% invested in foreign stocks, VBIAX is domestic only. VWENX has slightly more equities at 65/35, VBIAX is 60/40. Of course the expense ratio of VBIAX is .10% vs .18% for VWENX. Both are fine options IMO.
by SpringMan
Wed Apr 01, 2015 12:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: VWENX or VBIAX for long term
Replies: 7
Views: 907

Re: Whats a good multi vitamin?

Not a vitamin but I believe fish oil may have some benefits and calcium for women.
by SpringMan
Sat Mar 28, 2015 10:48 am
 
Forum: Personal Consumer Issues
Topic: Whats a good multi vitamin?
Replies: 17
Views: 1267

Re: Is Apple Training good?

There are several free youtube classes on the Mac. Here is one.
https://www.youtube.com/watch?v=twf70Tl7piY
by SpringMan
Fri Mar 27, 2015 10:28 am
 
Forum: Personal Consumer Issues
Topic: Is Apple Training good?
Replies: 7
Views: 576

Re: Vanguard merged Mutual fund + brokerage - anyone have ye

We were finally converted over to Vanguard brokerage accounts where our Vanguard funds and other holdings were merged. Here are some website bugs I have observed when logging in a about 7PM after all mutual fund NAVs have been determined. First the date on the overall tab was yesterday's date, makin...
by SpringMan
Fri Mar 27, 2015 9:31 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 37
Views: 6729

Re: Wise move to move some $ to cash before bear market?

Use bond funds to rebalance into stocks if a bear market occurs, no need to hold a lot of cash IMO.
by SpringMan
Thu Mar 26, 2015 11:03 am
 
Forum: Investing - Theory, News & General
Topic: Wise move to move some $ to cash before bear market?
Replies: 116
Views: 11859

Re: Vanguard Ex-US Small Cap Value Petition

Archie Sinclair wrote:I would support this. But I think getting an Admiral shares version of Vanguard FTSE All-World ex-US Small-Cap Index Fund (VSS / VFSVX) is more important.

Yes, and in addition I would like to see admiral shares of PRIMECAP core fund, VPCCX, and admiral shares of International Value fund, VTRIX.
by SpringMan
Thu Mar 26, 2015 7:46 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Ex-US Small Cap Value Petition
Replies: 24
Views: 3123

Re: Building a new house. Any recommendations?

I would recommend drain tiles on both the outside and inside of the basement walls. It would be much more cost effective than doing it later where they need to break up the basement floor around the walls, cart in gravel, and replace the cement floor that was torn up. Also consider having a backup s...
by SpringMan
Wed Mar 25, 2015 10:31 am
 
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5264

Re: Vanguard Windsor II Fund

I would slightly prefer Vanguard Equity Income fund over the Windsor funds. I don't own it anymore because Wellesley Income fills our large cap value space.
by SpringMan
Mon Mar 23, 2015 8:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor II Fund
Replies: 11
Views: 1910

Re: RMD Vanguard state tax withholding

I have been complaining to Vanguard about this. I have been told that Vanguard will withhold state income taxes for states that require them to do so. However, if a state does not have such a requirement, Vanguard will not withhold for that state. How about writing your state representatives and go...
by SpringMan
Sun Mar 22, 2015 4:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 670

Re: RMD Vanguard state tax withholding

I spoke to Vanguard about this and was told, if requested, they do withhold both federal and state tax from RMDs. Maybe It varies by state, I am in Michigan.
by SpringMan
Sun Mar 22, 2015 11:43 am
 
Forum: Investing - Help with Personal Investments
Topic: RMD Vanguard state tax withholding
Replies: 12
Views: 670

Re: How is VTIAX performing?

SpringMan, if "up" 5.69% year-to-date doesn't get an "A", what might? Just to be clear I don't share the opinion of FundMojo. Actually their highest grade is Master and then A+ through E. You can check out their best for various categories of funds here. http://www.fundmojo.com/...
by SpringMan
Sun Mar 22, 2015 11:34 am
 
Forum: Investing - Help with Personal Investments
Topic: How is VTIAX performing?
Replies: 18
Views: 1903

Re: Is PagePlus Cellular Being Shut Down?

I have used Kitty for Page Plus renewal because Page Plus does not offer the $80 dollar per year option, it is only available from secondary sellers. I do think Kitty added a couple dollars to the renewal bill. I can't think of an uglier website than Kitty wireless has. Kitty does have a very good f...
by SpringMan
Sun Mar 22, 2015 11:14 am
 
Forum: Personal Consumer Issues
Topic: Is PagePlus Cellular Being Shut Down?
Replies: 14
Views: 2526

Re: Laptop: Windows based vs. Apple

As mentioned in my previous post, I have a retina MacBook Pro and a Win 7 PC. I have had no issues yet but have read that many users have problems with the coating on their retina screens. Now I can have something more to worry about. :( http://www.macrumors.com/2015/03/16/retina-macbook-pro-stained...
by SpringMan
Sun Mar 22, 2015 9:52 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6354

Re: Laptop: Windows based vs. Apple

Duplicate Post Deleted
by SpringMan
Sun Mar 22, 2015 9:50 am
 
Forum: Personal Consumer Issues
Topic: Laptop: Windows based vs. Apple
Replies: 86
Views: 6354
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