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Re: Vanguard's Website - Bad, or just me?

MossySF wrote:4) Make near-mirror transactions in taxable vs non-taxable where tax loss harvesting opportunities are available

We disagree on complex and what it would need to do but #4 on your list is not allowed :-)
by rob
Wed Sep 17, 2014 12:14 am
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 22
Views: 919

Re: Vanguard's Website - Bad, or just me?

... so there could be some pretty ugly tax consequences of an easy-to-use rebalancing tool. Imagine the howls of protest if somebody clicks some percentages to rebalance and then gets a 1099 for the transaction. Excellent point. My employer's 401(k) plan has a rebalancing tool. However, it's within...
by rob
Tue Sep 16, 2014 10:22 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 22
Views: 919

Re: Vanguard's Website - Bad, or just me?

As a long term buy and hold investor of Vanguard mutual funds ...... I find it woeful; not the worst I have used by certainly in the lower end - As you say it comes down to usage patterns and what sites you are used to in the past. OP - It's leaps and bounds better than it has been in the past - I ...
by rob
Tue Sep 16, 2014 10:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 22
Views: 919

Re: Rental property with in-laws: please help!

What a mess... but seems like caught up in the bubble to me. The whole 80/20 thing was common back in time and was always going to end badly for most people. THE most critical thing missing above (might have missed it) is the ownership on the deed - I assume for this response she is the ONLY owner -...
by rob
Tue Sep 16, 2014 4:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rental property with in-laws: please help!
Replies: 103
Views: 4790

Re: How often do YOU rebalance and when?

Unlike those organized types bove I do it randomly....... I tend to have a more detailed look towards the end of the year for losses and tend to wait until Jan to sell for gains....... but not all years. I do change future allocations more often than selling but I wait till year end to do the Roth c...
by rob
Tue Sep 16, 2014 11:46 am
 
Forum: Investing - Help with Personal Investments
Topic: How often do YOU rebalance and when?
Replies: 16
Views: 565

Re: External backup drives - Seagate vs Western Digital

There are 2 types of people.... those that have had drive failures and those that will [and that first group is also in the second group] :-) Personally, I used a NAS server at the other end of the house for the big stuff and one of the cloud vendors for the smaller stuff [I think I've got 4Tb in th...
by rob
Mon Sep 15, 2014 3:44 pm
 
Forum: Personal Consumer Issues
Topic: External backup drives - Seagate vs Western Digital
Replies: 26
Views: 1462

Re: Vanguard Tax Managed Balanced-Any owners

Vanguard eliminated the fees several years ago; now, the tax-managed funds are no harder to get out of than ordinary index funds. (And the two which were redundant were merged into the corresponding index funds, although I don't agree that Tax-Managed International was redundant.) The purchase/rede...
by rob
Fri Sep 12, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Balanced-Any owners
Replies: 50
Views: 10756

Re: Vanguard Tax Managed Balanced-Any owners

I would seriously reconsider any use of TM funds - I bought them years ago when they first started and had 3 of them until recently and now have 2. Taxable funds need to be a long term relationship and Vanguard does not believe that with these funds. They are very tough to change after a decent peri...
by rob
Thu Sep 11, 2014 1:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax Managed Balanced-Any owners
Replies: 50
Views: 10756

Re: Why don't the LifeStrategy funds have Admiral Status??

I would GUESS they use the gap in fees to pay for the extra overhead of the fund, since it's a fund of funds....... Do they show what exactly the fund invests in?... Do they use the institutional share class of the base funds??
by rob
Thu Sep 11, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1288

Re: How well do you understand retirement finance?

The last 3 answers are... well.... interesting that we have some takers :D

I suspect that saying about the more I know the less I know I know might be useful :shock:
by rob
Thu Sep 11, 2014 12:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well do you understand SS and tax-deferral issues?
Replies: 16
Views: 817

Re: Why did REITs drop today?

I love how people rationalize and answer after the fact.... personally I think it was because less eggs are consumed in China on a Wednesday :D IMO it's far too complex a system to pick a single answer. Now as to REIT's allowing copper wires underground able to be classified real estate and push off...
by rob
Thu Sep 11, 2014 10:24 am
 
Forum: Investing - Theory, News & General
Topic: Why did REITs drop today?
Replies: 26
Views: 3878

Re: How much value can an advisor add for the average invest

My issue is not what you say but the low probability of getting an advisor like that vs a salesman. While the industry continues to allow the nonsense; I think people are better off without an "advisor" in their pockets in every case. To find a real advisor over a salesman the person alrea...
by rob
Wed Sep 10, 2014 10:42 am
 
Forum: Investing - Theory, News & General
Topic: How much value can an advisor add for the average investor?
Replies: 67
Views: 3957

Re: Rather macabre but necessary question

In a lot of ways you have an advantage here because you have a far better idea of an end date than most of us and that give you a good planning path (sorry... but there is no easy way to word that and it's great your thinking about this in a positive light). If it were me... I would do some type of ...
by rob
Tue Sep 09, 2014 12:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rather macabre but necessary question
Replies: 72
Views: 5290

Re: Peter Lynch was wrong

P.S. If someone were to take a poll, I wonder how many BHers recognize the name of Peter Lynch or John Neff or Michael Price or Max Heine or John Templeton? Have we now got to the point that memory of the 90's requires I admit I'm old?... :shock: I thought anyone who remembered the 60's was old and...
by rob
Mon Sep 08, 2014 4:08 pm
 
Forum: Investing - Theory, News & General
Topic: Peter Lynch was wrong
Replies: 64
Views: 6024

Re: Life insurance with a smoking spouse

I would lock in a longer term base because it's just not going to get any cheaper for coverage..... Shop around but your going to have to accept it's not going to be the cheapest option or anything you see advertised..... Maybe work out the bare min you need rather than what you would like to help o...
by rob
Mon Sep 08, 2014 1:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Life insurance with a smoking spouse
Replies: 38
Views: 1279

Re: Coin Counting Machines

Every few years we visit the coinstar machine at the grocery store (get amazon credit as well due to the cost otherwise and mazong credit is close enough to cash for me)......... Kids love feeding it all into the machine so it's got some enterniment value as well :-)
by rob
Wed Sep 03, 2014 2:27 pm
 
Forum: Personal Consumer Issues
Topic: Coin Counting Machines
Replies: 58
Views: 4035

Re: New 2% cash back Mastercard from Citi

The only time this was an issue for me in Australia was at automated kiosks. Oz converted to only chip/pin on Aug 1 for regular over the counter txn's.... Now MIGHT it still be possible in SOME cases... sure but that's just not workable for a credit card..... and capital one's ludcrous stance that ...
by rob
Wed Sep 03, 2014 11:21 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19515

Re: New 2% cash back Mastercard from Citi

I agree with thewizzer that it would be fantastic if there were an equivalent card that also charged no foreign transaction fees. I keep a second cash-back card (B of A Travel Rewards) solely for that purpose, though it only gives 1% cash back. I recently got the capital one quicksilver @1.5 with n...
by rob
Tue Sep 02, 2014 10:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19515

Re: "3 Investments Retirees Don't Really Need"

It could just as well be titled, "3 Investments Investors Don't Really Need." :) I'm having trouble understanding why this has anything to do with retirees either...... IF one was to use either or all of those in accumulation then it would make just as much sense in retirement as I don't ...
by rob
Tue Sep 02, 2014 9:09 pm
 
Forum: Investing - Theory, News & General
Topic: "3 Investments Retirees Don't Really Need"
Replies: 7
Views: 1719

Re: Vanguard is finally getting Two Factor Auth (2FA)

Welcome to the late 90's..... maybe in a few decades we can het something ACTUALLY useful instead of SMS :oops:
by rob
Sun Aug 31, 2014 8:23 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard is finally getting Two Factor Auth (2FA)
Replies: 23
Views: 3689

Re: Do you diversify into international bond?

If I thought market timing worked... I would be selling all my non US bonds based on the fact everyone seems to recommend them now days :-/ I have them as part of my bonds and have close to when they were first available.
by rob
Thu Aug 28, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Do you diversify into international bond?
Replies: 33
Views: 2252

Re: Own the same fund in multiple accounts?

I would guess it's common and I certainly have it all over the place due to the silly buckets of account types we all have........ the only catch is selling in taxable and claiming a loss and then buying in your retirement account within the window.... retirement to retirement is no issue (selling f...
by rob
Thu Aug 28, 2014 11:56 am
 
Forum: Investing - Help with Personal Investments
Topic: Own the same fund in multiple accounts?
Replies: 9
Views: 933

Re: How I beat Indexing... in 1 hour

SuperSaver wrote:-ITMN: I knew of impending buy out

If true, than it's commonly known that trading on insider information (non public) does in fact work - that's why it's illegal (unless your a politican anyway)....
by rob
Tue Aug 26, 2014 9:49 am
 
Forum: Investing - Theory, News & General
Topic: How I beat Indexing... in 1 hour
Replies: 55
Views: 7746

Re: Slice n Dicers: How much have you outperformed?

I dunno..... but I don't see SnD as an outperformance strategy..... If it does outperform then great but for ME it's about not been tied to the largecap stocks - I know people here say total mkt and not s&p500 but look at how close they really are and how much of total is in the large cap arena.
by rob
Sun Aug 24, 2014 10:12 pm
 
Forum: Investing - Theory, News & General
Topic: Slice n Dicers: How much have you outperformed?
Replies: 20
Views: 2486

Re: Rain Jacket Recommendations

I love these (might be hard to get in the US) - have sat watching motor racing in absolute hurican conditions and they work great.... Breathable but not really for action sports. http://store.drizabone.com.au/riding-coat-black
by rob
Sat Aug 23, 2014 9:30 am
 
Forum: Personal Consumer Issues
Topic: Rain Jacket Recommendations
Replies: 29
Views: 1753

Re: Do you take all of your allowed paid vacation time?

Living in CA, this is implemented as a restriction on how much of next year's accrual you will actually get if you have too much on the books already Don't you love that distinction.... When we converted to that we had the we will NEVER take any away right up front in big words than hidden in the d...
by rob
Fri Aug 22, 2014 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5700

Re: HELOC + Margin = $200k to play with

YttriumNitrate wrote:BLACK! Put it all on black...don't listen to those market timing fools that talk about red being the better roulette color... :D

Nah... Go with zero for the better odds... none of this play it safe red/black :-)
by rob
Fri Aug 22, 2014 3:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: HELOC + Margin = $200k to play with
Replies: 24
Views: 1775

Re: Do you take all of your allowed paid vacation time?

We can carry over a max of 6 weeks at the end of the year. This seems like a bad policy in times when you REALLY need more (serious illness, family member, etc.), but at least forces people to take some leave. I can only carry over 1 week.... so your doing great with that policy. I take all my days...
by rob
Fri Aug 22, 2014 11:51 am
 
Forum: Personal Finance (Not Investing)
Topic: Do you take all of your allowed paid vacation time?
Replies: 88
Views: 5700

Re: Using an advisor for fudiciary guidance

<snip>Participants need help establishing real goals, determining savings rates and building portfolios. Without the help and support of an advisor most plan participants are clueless. As are most so called advisors.... The issue to me is that this argument lets the wolves in the door even more tha...
by rob
Thu Aug 21, 2014 2:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2392

Re: Renting forever: financial suicide?

Don't underestimate how much of a money pit some houses are...... I wished I was renting the last decade in hind sight instead of the HUGE costs - new roof, water damage, basment issues, plumbing issues, new oil burner, air con, hot water, dishwasher, carpet, paint inside and outside and on and on. ...
by rob
Mon Aug 11, 2014 7:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10999

Re: Thanks Bogleheads

dickenjb wrote:Sounds like the old IDS renamed American Express Financial Advisors now named Ameriprise.

New names every so often but selling the same old, same old.

It was indeed IDS......
by rob
Fri Aug 01, 2014 1:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1004

Thanks Bogleheads

I was cleaning up recently and tripped over a "financial plan" I had done with American Express in the mid 90's - I paid $400 at the time, cause the receipt was still tucked into the folder. I never pulled the trigger on it because there was something I could never put my finger on that I ...
by rob
Fri Aug 01, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Thanks Bogleheads
Replies: 8
Views: 1004

Upcoming Redundancy - What to do ahead of time?

Say one was to have a redundancy coming up but no official offer on the table..... What financial things would you consider to setup in advance? I'm thinking of maybe a HELOC (have >75% equity and no loans other than mortgage)..... and I have some other thoughts BUT wanted to get the wisdom of the a...
by rob
Thu Jul 31, 2014 4:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Upcoming Redundancy - What to do ahead of time?
Replies: 3
Views: 599

Re: Home Appraisal

Last appraisal I paid for they never bothered to look insode... they drove past and took a picture of the cars in the driveway - could not see the house. Great value for couple of hundred buck (sarcasm in case you cannot tell).
by rob
Wed Jul 30, 2014 9:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Home Appraisal
Replies: 20
Views: 1501

Re: Hw many credit cards to own?

Andyrunner wrote:I dont see a need for more.

My main card was deactivated AGAIN recently.... apparantly going 2 states away is considered "fraud" and stopped for "MY" protection... all BS obviously. I would recommend several from different issuers :-)
by rob
Mon Jul 21, 2014 10:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Hw many credit cards to own?
Replies: 121
Views: 17250

Re: Small Cap: Value Index vs Tax Managed blend

I would use a SCV ETF. I would avoid "Tax Managed" funds from Vanguard completely based on the recent experience with TM International - I wish today I didn't own any of the so called TM funds. SCV has a higher "value" loading and if you believe the value loading provides better ...
by rob
Wed Jul 02, 2014 10:58 pm
 
Forum: Investing - Theory, News & General
Topic: Small Cap: Value Index vs Tax Managed blend
Replies: 3
Views: 428

Re: Highly Compensated Employee Definition

Keep in mind the company can use more restrictive terms... I am limited to 10% and can actually contribute LESS to a 401K then someone earning less..... with the IRS limit at 17.5K and the company limit at 10%..... a small rise in my case pushed my contribution limit far lower (think 115K been able ...
by rob
Sat Jun 28, 2014 10:16 am
 
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee Definition
Replies: 19
Views: 1971

Re: It is time to retire when you .......

Meg77 wrote:"you know - play golf and have sex."

This is the best quote here.... You want to stop working before that answer is ONLY golf :D
by rob
Fri Jun 20, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9856

Re: It is time to retire when you .......

When: 1. I was enjoying my days at work less than my days not working. 2. When I had enough to retire. That happened several years before I thought it would, mostly because of a deterioration in my work environment. When #1 is true and #2 is false... it just sux :-/ For me it comes down to $$$ at t...
by rob
Fri Jun 20, 2014 12:24 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9856

Re: To stay a Boglehead, I have to leave Bogleheads.org

Good for you that you know what it's going to take you to stay the course..... There are browser plugins that will disable access to certain sites for x periods - so install one and forget about it :D
by rob
Wed Jun 18, 2014 9:54 am
 
Forum: Investing - Theory, News & General
Topic: To stay a Boglehead, I have to leave Bogleheads.org
Replies: 56
Views: 6151

Re:

One large previously unmentioned advantage to the Roth for me personally, is that I know exactly how much money I have for retirement. The number in my account, is the number I have. I dont have to estimate tax costs or anything else. This is why I refuse to buy any funds that have an exit cost lik...
by rob
Tue Jun 17, 2014 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Roth vs Traditional 401K
Replies: 175
Views: 50936

Re: Made the $5 million club, but...

Should I wait a year until I can touch my IRA without penalty before I consider retirement? Should I talk with a financial advisor? Didn't see this covered but anyone can access their IRA without penalty... SEPP as long as your careful can do that and your so close that it should be easy. http://ww...
by rob
Tue Jun 17, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Made the $5 million club, but...
Replies: 43
Views: 7108

Re: Vanguard - How America Saves 2014

Given other research such as that from the center for retirement research at Boston College, you sir are an exception to meaningfully have assets outside your retirement account. For most people this is a good depiction of what they have. Maybe but certainly around here I expect I am closer to the ...
by rob
Tue Jun 17, 2014 10:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3374

Re: [can you] shop at Costco [without a membership?]

My local costco will NOT take visa/mastercard.... I just use an amex card (not theirs as I never bothered getting one). Could it be different by location??
by rob
Tue Jun 17, 2014 10:07 am
 
Forum: Personal Consumer Issues
Topic: [can you] shop at Costco [without a membership?]
Replies: 68
Views: 5201

Re: Vanguard - How America Saves 2014

Meh.... I'm sure my 401K plan looks strange taken out of context (right now it's all stable value). My current 401K is a small part of my retirement savings.... so it says nothing about what is happening. I guess I'm missing what can be drawn from these types of analysis given a slice of the real si...
by rob
Tue Jun 17, 2014 9:47 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3374

Re: Expense Ratio - what's too high?

Depends on type... If it's an S&P500 idx or alike better be < .1 but if it's - say - an international small cap value or something I would accept far higher expenses..... A lot here might disagree ; on holding such a fund at any price :D or the "max" they would be willing to pay.
by rob
Mon Jun 16, 2014 4:36 pm
 
Forum: Investing - Theory, News & General
Topic: Expense Ratio - what's too high?
Replies: 33
Views: 2870

Re: Bringing Money to Australia - moving help!

mlipps wrote:It's very easy to set up an Australian bank account as a foreigner, you just need a tax ID number.

Not really... You need the 100 point id check (http://en.wikipedia.org/wiki/100_point_check) but a TFN is not required if your ok with max withholding.
by rob
Mon Jun 16, 2014 4:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing Money to Australia - moving help!
Replies: 14
Views: 656

Re: Should we or shouldn't we make a move at this age?

I admittedly have no experience in this area, but a 650k house on a 100k combined income just seems awfully extravagant. I disagree but we are likely in different locations...... 650K is hardly a mansion around here. Tough change for same area and no other change.... It would depend on other saving...
by rob
Mon Jun 16, 2014 4:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Should we or shouldn't we make a move at this age?
Replies: 37
Views: 2902

Re: Bringing Money to Australia - moving help!

I'd contact Chase Bank in Australia and see if they can do EFT (electronic fund transfers) with a US bank. I've banked with some pretty small US banks and they can all do EFT money transfers. I'm sure you'll pay some hefty fees but if you move a large enough chunk of money each time you can keep th...
by rob
Mon Jun 16, 2014 3:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing Money to Australia - moving help!
Replies: 14
Views: 656

Re: Bringing Money to Australia - moving help!

I have done this a bit between those countries....... Bank transfers are pretty easy (I can do it online from my Oz bank, although manual from the US side). The intermediate bank (seems to always be one on the US side) takes a cut and you generally pay crappy rates on the side that does the conversi...
by rob
Mon Jun 16, 2014 3:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bringing Money to Australia - moving help!
Replies: 14
Views: 656
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