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Re: What are you up YTD?

I am up 3.8% as of Halloween on a 40/60 portfollio. No additions of subtractions so it was an easy calculation.
by SpringMan
Fri Oct 31, 2014 12:52 pm
 
Forum: Investing - Help with Personal Investments
Topic: What are you up YTD?
Replies: 172
Views: 13887

Re: Does the future of exp ratios factor into your decision?

Fidelity often has expense ratios that are capped. For example, FSIVX, Spartan International advantage, has an exp ratio of.17% but is currently capped at .12%. I happen to own it in a taxable account. If Fidelity eliminates the cap, I won't be happy but will likely hold the fund due to embedded unr...
by SpringMan
Fri Oct 31, 2014 12:10 pm
 
Forum: Investing - Theory, News & General
Topic: Does the future of exp ratios factor into your decision?
Replies: 21
Views: 934

Re: Medicare Part D (Prescriptions), changing plans

It's about that time of the year to make any changes if necessary. So, is anyone changing providers ? As of last week, I will be changing from First Health Part-D (S5768-145) to Cigna (S5617-108). I think I will lower my annual costs about $300 and even more if I can get into their mail order progr...
by SpringMan
Fri Oct 31, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Part D (Prescriptions), changing plans
Replies: 37
Views: 1949

Re: Joint accounts or separate accounts for married couples?

I was expecting a discussion on the tax (step-up) consequences of either. We have just joint accounts, but that will mean only 1/2 step-up (different for community property states) after death of one spouse. I don't see it as a critical concern, but am wondering if it would have been better to have...
by SpringMan
Thu Oct 30, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 37
Views: 1856

Re: Joint accounts or separate accounts for married couples?

If one partner of a husband and wife joint account passes away, does the remaining partner get a stepped up cost basis on 50% of the account? Seems like they would but if not, this would be an incentive for separate accounts.
by SpringMan
Thu Oct 30, 2014 10:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Joint accounts or separate accounts for married couples?
Replies: 37
Views: 1856

Re: Men's Personal Hygiene Products

I have recently converted to Harry's (www.harrys.com) for shaving supplies. Happy with them so far. Good bye Gillette.
by SpringMan
Wed Oct 29, 2014 9:55 am
 
Forum: Personal Consumer Issues
Topic: Men's Personal Hygiene Products
Replies: 37
Views: 2966

Re: Fidelity

My money is split between Vanguard and Fidelity. Besides the Wellington Fund, I cannot think of any real advantage Vanguard holds over Fidelity. On the other hand Fidelity has better customer service and a better web site imho. Besides low cost mutual funds Vanguard also offers 70 commission free i...
by SpringMan
Sun Oct 26, 2014 2:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Fidelity [Roll 401(k) to IRA]
Replies: 23
Views: 2592

Re: iPad Air 2 - 16 or 64 Gig?

Bought my wife the older first retina iPad with only 16GB. It was a pain to upgrade to IOS 8.0 because it required 5GB of free space. That meant deleting all the music and many apps. FYI, You can avoid that hassle by connecting the device to a PC running iTunes. That's the approach I'll be using wh...
by SpringMan
Thu Oct 23, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 35
Views: 2402

Re: online shopping for laptop PC

Try http://www.techbargains.com/
You want touch screen, then you mention Windows 7 which does not have touch screen, neither do chromebooks.
by SpringMan
Wed Oct 22, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: online shopping for laptop PC
Replies: 23
Views: 1314

Re: iPad Air 2 - 16 or 64 Gig?

Bought my wife the older first retina iPad with only 16GB. It was a pain to upgrade to IOS 8.0 because it required 5GB of free space. That meant deleting all the music and many apps. She can make due with the 16GB but I would recommend 32 or 64GB for a new purchase.
by SpringMan
Wed Oct 22, 2014 12:17 pm
 
Forum: Personal Consumer Issues
Topic: iPad Air 2 - 16 or 64 Gig?
Replies: 35
Views: 2402

Re: Vanguard website down

Pleased to say it is working now.
by SpringMan
Tue Oct 21, 2014 5:37 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 862

Re: Vanguard website down

Apparently not all users are experiencing the problem. Vanguard tech support is working on it.
by SpringMan
Tue Oct 21, 2014 4:52 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 862

Vanguard website down

Currently can't access Vanguard (4:45PM EDT) on 10/21. Vanguard is aware of problem. Said they were doing an update. Strange time to do a software update.
by SpringMan
Tue Oct 21, 2014 4:44 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard website down
Replies: 7
Views: 862

Re: What is the best way to sell guns and get the best price

Gander Mountain buys used guns but the price they offer will not be as good as a private sale, more convenient though.
by SpringMan
Tue Oct 21, 2014 12:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: What is the best way to sell guns and get the best price?
Replies: 20
Views: 1107

Re: Leon Cooperman giving the same advice as Warren

Professor Emeritus wrote:
Grt2bOutdoors wrote:Cash = Fiat money
.


Land deeds=Fiat ownership
Car titles =Fiat ownership

Etc etc etc

All repeat all concepts of property ownership are FIAT

Nothing except the government can create "ownership"

Chrysler = Fiat ownership :happy
by SpringMan
Tue Oct 21, 2014 7:21 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3271

Re: Leon Cooperman giving the same advice as Warren

I was told by a Vanguard CFP that one should not hold cash in IRAs. The only cash they recommend is an emergency fund and money for short term needs such as home repair, autos, etc. They influenced me to deploy cash into total bond market fund. In fact they tried to talk me out of short term bonds, ...
by SpringMan
Tue Oct 21, 2014 4:15 am
 
Forum: Investing - Theory, News & General
Topic: Leon Cooperman giving the same advice as Warren
Replies: 47
Views: 3271

Re: need new microwave - what happened to Sharp?

About 10 years ago my Sharp also stopped displaying all the digits. Turned out the flexible connection between the control board and the display unit was the problem. I managed to get some of the digits to partially display and have been using the unit ever since. After speaking to Sharp customer s...
by SpringMan
Mon Oct 20, 2014 2:15 pm
 
Forum: Personal Consumer Issues
Topic: need new microwave - what happened to Sharp?
Replies: 15
Views: 1615

Re: Smartphone questions

I probably should not comment based on my phone being a flip phone with Page Plus costing $10.75 every 120 days. I have two adult children, both are electrical engineers. One has Apple only products, iMac, Macbook pro, iPad, and iPhone 6. He is very happy with his hardware but not so much with his s...
by SpringMan
Mon Oct 20, 2014 12:31 pm
 
Forum: Personal Consumer Issues
Topic: Smartphone questions
Replies: 98
Views: 6902

Re: Vanguard Survey warning

I participated in the survey. I recently corresponded with one of their CFPs and I think Vanguard was just checking up on my perception of how they did. I gave them good marks which IMO they deserved. I run free AVG and periodically malwarebytes, neither showed any issues.
by SpringMan
Sat Oct 18, 2014 3:50 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Survey warning
Replies: 9
Views: 1359

Re: What tax software do you use and why

TurboTax because Vanguard provides it for free as a perk. Before this was available from Vanguard, I used to buy TurboTax or TaxCut on CD from a retail store.
by SpringMan
Sat Oct 18, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: What tax software do you use and why
Replies: 54
Views: 2569

Re: TBM too much treasury?

IMO, diversification and market weighing everything can be over rated. An example, Ron Delegge's index investing podcast, he grades one investor, doing a report card in each podcast. Besides disliking his hubris, and his occasional insults against John Bogle, I disagree with the report card marks he...
by SpringMan
Sat Oct 18, 2014 12:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: TBM too much treasury?
Replies: 67
Views: 4368

Re: Medicare Medigap policy cost

I also signed up for Medigap without an agent. None of the agents at the time were selling Blue Cross Legacy Plan C. That was a couple years ago and I have been happy so far. Agents are now telling me Blue Cross Legacy C may have huge rate hikes in 2016 and if I don't switch now, I could be trapped ...
by SpringMan
Fri Oct 17, 2014 11:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Medicare Medigap policy cost
Replies: 58
Views: 16913

Re: Dry Powder

Vanguard does not endorse that idea. I had Prime MM of 8% of assets that they advised deploying into bonds. They recommend cash in an emergency fund or checking / savings account for day to day living expenses but not as a part of an IRA. Vanguard is not a fan of market timing according to their CFP...
by SpringMan
Thu Oct 16, 2014 12:20 pm
 
Forum: Investing - Theory, News & General
Topic: Dry Powder
Replies: 49
Views: 3528

Re: ETF's instead of index funds?

I purchase ETF's in my Vanguard taxable and Roth accounts (wife and I) because it would be a few years before I'd have enough money to have Admiral shares for all funds. It just allows me to keep my costs low while holding more funds. My 457 and 401k plan through work have the option for a brokerag...
by SpringMan
Mon Oct 13, 2014 11:39 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1362

Re: ETF's instead of index funds?

Another example of ETF clunkiness is that they have T+3 settlements vs T+1 settlements of mutual funds. At Vanguard Brokerage Services you can not sell an ETF and use the proceeds to buy a Vanguard mutual fund until the settlement from the sale shows up in your MM settlement account so you will be o...
by SpringMan
Mon Oct 13, 2014 11:27 am
 
Forum: Investing - Theory, News & General
Topic: ETF's instead of index funds?
Replies: 24
Views: 1362

Re: fsitx low morning star rating

Morningstar is often screwed up. Take a look at the style box of both FSITX and Vanguard Total Bond Index fund, VBTLX. It shows them as long, obviously they should be intermediate. FSITX (2 stars, no metal) tracks the same index as VBTLX (3 stars, silver). Star rating should be ignored by investors ...
by SpringMan
Mon Oct 13, 2014 10:41 am
 
Forum: Investing - Help with Personal Investments
Topic: fsitx low morning star rating
Replies: 4
Views: 501

Re: VMMXX: Finally Pulled the Trigger

Why do people keep money in the money market fund when there are FDIC insured online bank accounts that are giving almost 1% interest today? I don't get it. When it comes to IRA money, I think it is too much hassle. Not everyone wants an IRA with a bank just to gain access to FDIC insurance. Oh I s...
by SpringMan
Sun Oct 12, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 29
Views: 3759

Re: VMMXX: Finally Pulled the Trigger

Mark2614 wrote:Why do people keep money in the money market fund when there are FDIC insured online bank accounts that are giving almost 1% interest today? I don't get it.

When it comes to IRA money, I think it is too much hassle. Not everyone wants an IRA with a bank just to gain access to FDIC insurance.
by SpringMan
Sun Oct 12, 2014 12:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: VMMXX: Finally Pulled the Trigger
Replies: 29
Views: 3759

Re: Masters in business interview I did with Barry Ritholtz

One of the best interviews I have heard in a long time. "I never met a stomach that made good decisions" put a smile on my face.
by SpringMan
Sun Oct 12, 2014 11:02 am
 
Forum: Investing - Theory, News & General
Topic: Masters in business interview I did with Barry Ritholtz
Replies: 13
Views: 1228

Re: Headed for a 300+ point loss today?

Looks like we're down 4% from the peak. We were last here in....wait for it.....August 2014. The drops in January 2014 and in July 2014 were bigger. Don't remember those? You might not remember this one either. Russel 2000 and foreign stocks are down much more. I would guess most of us own some sma...
by SpringMan
Thu Oct 09, 2014 12:57 pm
 
Forum: Investing - Theory, News & General
Topic: Headed for a 300+ point loss today?
Replies: 445
Views: 30551

Re: Things that you will not spend money on and most people

Alcohol and tobacco, did enough of those things in my youth.
Smart phone with data plan.
Lawn service and snow removal, use lawn tractor and snow blower.
Soda pop, though my spouse still drinks it.
News paper subscriptions.
Expensive clothing, jewelry, or watches.
Viagra.
by SpringMan
Wed Oct 08, 2014 5:08 pm
 
Forum: Personal Consumer Issues
Topic: Things that you will not spend money on and most people do?
Replies: 78
Views: 4024

Re: Anyone ever get a roundtrip violation?

Another thing ETF investors don't worry about. Actually Fidelity has instituted a redemption fee on their free to trade ETFs if you sell them before 30 days. It is nothing to worry about though because it only costs $7.95, in other words the sell trade is not free. Wait at least 30 days and the sel...
by SpringMan
Wed Oct 08, 2014 12:21 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone ever get a roundtrip violation [at Fidelity]?
Replies: 21
Views: 2057

Re: BND & BNDX Dividends

Here is a link to useful site to use when there is a question about dividends.
http://www.dividendinvestor.com/
by SpringMan
Tue Oct 07, 2014 10:30 am
 
Forum: Investing - Help with Personal Investments
Topic: BND & BNDX Dividends
Replies: 5
Views: 302

Re: Sump Pump Running Every 8 Minutes?

Perhaps your sump pump is shooting the water out of your house into some soil that sits in such a way that the water just then drains back into your basement and thus causing the pump to continually run? Also, your gutter down spouts might be emptying the water right into soil that is just draining...
by SpringMan
Mon Oct 06, 2014 12:48 pm
 
Forum: Personal Consumer Issues
Topic: Sump Pump Running Every 8 Minutes?
Replies: 18
Views: 1359

Re: Three fund allocation per Vanguard Flagship CFP?

It might make sense to use a tax exempt bond fund instead of VBTLX. The profits from the sale of the house surely ended up in a taxable account. Total bond market fund is not tax efficient.
by SpringMan
Thu Oct 02, 2014 6:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Three fund allocation per Vanguard Flagship CFP?
Replies: 45
Views: 4773

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: 2676

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: 1690

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: 51
Views: 2908

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: 64
Views: 8586

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: 3013

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: 64
Views: 8586

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: 25
Views: 2780

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: 5932

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: 1537

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: 2169

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: 2169

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: 104
Views: 8565

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: 2715

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: 64
Views: 8586
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