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Supreme Court to hear fiduciary duty/high cost funds case

FYI - I merged ResearchMed's thread into here. Great timing with the Supreme Court case. That lawsuit is over the Lockheed Martin Stable value fund. You can find the original lawsuit at the US Gov't Publishing Office: 09-8022 - Anthony Abbott, et al v. Lockheed Martin Corporation, et al (March 15, ...
by shawcroft
Mon Feb 23, 2015 11:38 pm
 
Forum: Investing - Theory, News & General
Topic: Supreme Court to hear fiduciary duty/high cost funds case
Replies: 47
Views: 5376

How much has Bogleheads contributed to your net worth?

Building off what was HurdyGurdy wrote: "Just taking into account the amount of savings due to low expense rates"........and then adding in the value of diversifying our portfolio and holdings to reflect age and need to take risk, I would guess things are about 35-40% higher. More importan...
by shawcroft
Mon Feb 23, 2015 2:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: How much has Bogleheads contributed to your net worth?
Replies: 58
Views: 4106

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

JamesSFO wrote:
livesoft wrote:I think they call it Fidelity which is a catchy name for the combined setup.


I'm glad I wasn't drinking milk while reading this it would have snorted out. Awesome Livesoft, awesome.


Indeed, Livesoft has a wonderfully wry sense of humor...
Shawcroft
by shawcroft
Fri Feb 20, 2015 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 34
Views: 6020

Re: Poll: Largest fraudulent charge to your credit card(s)?

I had a fraudulent $400 gasoline purchase at a Marathon station in Ohio- done at virtually the same time I was in a Home Depot in Connecticut. Penfed caught it, called my cell phone, verified the fraud, and killed the card within 20 minutes. So, I avoided the Home Depot problem...but used another ca...
by shawcroft
Fri Feb 20, 2015 4:17 pm
 
Forum: Personal Consumer Issues
Topic: Poll: Largest fraudulent charge to your credit card(s)?
Replies: 49
Views: 2377

Fund Fees

Interesting question....and answer. I never thought about how this was done. An even more interesting question would be to ask the "robber barons' of the mutual fund game (JPMorgan, ING, Hartford et al) how they calculate their expense ratios....would probably either get stonewalled or a desult...
by shawcroft
Fri Feb 20, 2015 12:46 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Index Fund Fees
Replies: 12
Views: 1103

Do Not Use Chase

I would not recommend dealing with Chase brokerage. You will be very sorry if you do.
Shawcroft
by shawcroft
Thu Feb 19, 2015 10:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Chase?
Replies: 10
Views: 1036

Update: Scan 35 mm slides with ION digitizer

Has anyone used the Ion Audio slide digitizer? One of my friends out in Chicago said he has used it and it works well. I hadn't heard of it before- is anyone familiar with it?
Shawcroft
by shawcroft
Thu Feb 19, 2015 10:47 pm
 
Forum: Personal Consumer Issues
Topic: Update: Scanning 35 mm slides and film
Replies: 13
Views: 1835

Read WSJ every day ?

I read the WSJ occasionally at our local library. Usually after a Boglehead mentions an article of interest in it and I cannot get past the "subscription firewall". If I had to choose one day of the week, I like the Saturday-Sunday edition.
Shawcroft
by shawcroft
Wed Feb 18, 2015 10:24 am
 
Forum: Personal Consumer Issues
Topic: Read WSJ every day ?
Replies: 86
Views: 4967

Berkshire Hathaway Tax Efficiency of Dividends

I believe a Geico,a wholly-owned subsidiary of Berkshire Hathaway, purchases these securities for its investment portfolio. Perhaps someone can enlighten me on how such dividends are taxed if they are part of the reserves of an insurance company. Somehow I have to believe Warren has this all figured...
by shawcroft
Tue Feb 17, 2015 6:02 pm
 
Forum: Investing - Theory, News & General
Topic: Berkshire Hathaway Tax Efficiency of Dividends
Replies: 3
Views: 714

Vanguard National Trust Company

BTW, you may find this site to be of interest. Among other things, it indicates that Vanguard's trust company had about $700 million under management in "personal trust and agency accounts" as of 12/31/2010. (The trust company's total assets under management are much higher, as it also ho...
by shawcroft
Mon Feb 16, 2015 4:15 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard National Trust Company?
Replies: 98
Views: 21774

Re: SIGN PETITION FOR Jack Bogle's Presidential Medal of Fre

Alex:
You're right. We need a full-court press on this one.
Shawcroft
by shawcroft
Thu Feb 12, 2015 12:51 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9212

John C. Bogle's Presidential Medal of Freedom?

I've signed- as did my wife.
I'll ask folks I know to do this.....
Shawcroft
by shawcroft
Wed Feb 11, 2015 10:50 am
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9212

Where is John C. Bogle's Presidential Medal of Freedom?

Mel: Is there anything individuals (such as we Bogleheads) can do to "further animate" this recommendation? Can we submit endorsements of this recommendation? I am dismayed no response was received...not even a "we've got it and we will let you know" from someone who you could co...
by shawcroft
Mon Feb 09, 2015 2:47 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 165
Views: 9212

Re: The lowest stock allocation you plan to stay with

We're at 60% equities; 40% fixed income....and moving towards 50/50 within the next 5 years and likely drift further down over time but not go lower than 40% equities.
Shawcroft
by shawcroft
Fri Jan 30, 2015 8:24 am
 
Forum: Investing - Theory, News & General
Topic: The lowest stock allocation you plan to stay with
Replies: 79
Views: 4340

Chaos, complexity and entropy [for non-physicists]

Great article.....and an even more enlightening discussion by my colleagues.
Thanks to all
Shawcroft
by shawcroft
Tue Jan 27, 2015 11:02 pm
 
Forum: Investing - Theory, News & General
Topic: Chaos, complexity and entropy [for non-physicists]
Replies: 113
Views: 7213

Fidelity or Schwab Brokerage account

I must be missing something. I only know how my own company options worked so this may not be generally true, but are your options not already in a brokerage account of your company's choosing? Mine were, so I just exercised & sold them there and took out the proceeds. If your options are not i...
by shawcroft
Tue Jan 27, 2015 10:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2926

WHAT EXPERTS SAY ABOUT

HAPPY BIRTHDAY, TAYLOR!
It was a delight to have met and spoken with you in 2013 and I hope to have the opportunity again
Best regards,
Shawcroft
by shawcroft
Sun Jan 25, 2015 5:34 pm
 
Forum: Investing - Theory, News & General
Topic: What Experts Say [about various investing topics]
Replies: 51
Views: 3616

Re: Be careful: Turbo Tax and Foreign Tax Credit

Thanks for the alert, David.
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: Be careful: Turbo Tax and Foreign Tax Credit
Replies: 13
Views: 1623

Best online checking account

The plot thickens! I called Capitol One 360 and spoke with a "live representative". I asked if Capitol One 360 (CO-360) uses the Allpoint ATM network ( he said yes). I then asked if access to the 55,000 worldwide ATM's included in the Allpoint ATM network was available to CO-360 customers....
by shawcroft
Tue Jan 20, 2015 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5044

Re: Switching from Vonage to Ooma Phone Service

Pardon this "stupid question" Ooma calls are free to Canada? Really? We have some relatives up North and we have been using phone cards to call them. I started with Ooma about 4 years ago and calls to Canada back then ( to my recollection) were not free. Have the service offerings changed?...
by shawcroft
Tue Jan 20, 2015 6:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switching from Vonage to Ooma Phone Service
Replies: 16
Views: 1072

"The ABCs of Common Sense Investing"

Taylor:
Boglehead wisdom distilled to poetry....simply stated: marvelous...!
Shawcroft
by shawcroft
Tue Jan 20, 2015 6:00 pm
 
Forum: Investing - Theory, News & General
Topic: "The ABCs of Common Sense Investing"
Replies: 11
Views: 1714

Free international ATM use?

I'll probably add either Ally or Capitol One as an online bank to stash our 6-12 months "emergency fund. We've been thinking about it for a few months Over the weekend, I noticed that Capitol One offers surcharge-free use of the ATM's in the Allpoint network. When I looked at the Allpoint netwo...
by shawcroft
Tue Jan 20, 2015 9:52 am
 
Forum: Personal Finance (Not Investing)
Topic: Best online checking account
Replies: 52
Views: 5044

VFWAX, VTIAX AND TLH

I'm considering a TLH from VTIAX into VFWAX. While not massive, the tax loss would be useful. Has anyone done that recently?
Shawcroft
by shawcroft
Wed Jan 14, 2015 11:28 pm
 
Forum: Investing - Theory, News & General
Topic: VFWAX vs. VTIAX
Replies: 9
Views: 1738

REIT predictions for 2015

Because REITs are tax-inefficient , I'm guilty of "tilting" a bit towards REITS in my tax-deferred account. Since I also have the Total US Stock Market index fund in my holdings, I'e begun to wonder how much 'tilt" towards REITs I actually have. I think I read on the Forum that REITs ...
by shawcroft
Tue Jan 06, 2015 3:01 pm
 
Forum: Investing - Theory, News & General
Topic: REIT predictions for 2015
Replies: 12
Views: 1424

Ally Bank, Amex Bank, or Capitol One online

I noticed this timely discussion thread. I am considering using one of these organizations for an online savings account, since they seem to offer the best rates currently available (0.75-0.87) I'm sure it is easy to open an account and deposit money. Is any one of these more difficult to withdraw m...
by shawcroft
Tue Jan 06, 2015 8:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Updated opinions about Ally Bank?
Replies: 74
Views: 10815

7 inch reel-to-reel tape [Transfer music to CDs]

You don't even need Audacity (which is available at no cost). You can do it with GarageBand. I'm afraid I keep forgetting the details as I don't do it very often, but you can do it with GarageBand. The main reason for preferring GarageBand would be that if you already know how to use GarageBand! Ah...
by shawcroft
Sat Dec 27, 2014 9:40 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 858

Re: 7 inch reel-to-reel tape

prudent wrote:What kind of outputs are available on it?


Prudent: From what I see on the side of the tape player, they are two RCA style outputs..right and left.
Shawcroft
by shawcroft
Sat Dec 27, 2014 3:15 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 858

7 inch reel-to-reel tape [Transfer music to CDs]

First, holiday greetings to all! I have about ten 7 inch reel to reel tapes of Christmas/ holiday music which I recorded back in the 1970's. I've played them for 2-3 days each year on an aging Sony tape player as background music during dinner and when opening presents. ( I like the Sony but I would...
by shawcroft
Sat Dec 27, 2014 2:41 pm
 
Forum: Personal Consumer Issues
Topic: 7 inch reel-to-reel tape [Transfer music to CDs]
Replies: 9
Views: 858

Re: Electric Stove question

shawcroft, you've likely solved your problem by now; but for future reference and use, the website AppliancePartsPro http://www.appliancepartspros.com/ is a terrific resource for troubleshooting, repair videos, and ordering the parts required. I have used them numerous times with considerable succe...
by shawcroft
Fri Dec 26, 2014 2:39 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1912

Electric Stove question

I'm going with the temp sensor. Hard to believe an oven will get to 370 in 2 mins. If you / availible friendlies are DIY types, I've had good luck with sears parts direct for appliance parts. The comments from my Boglehead colleagues led me to believe it is likely the temperature sensor. I got a re...
by shawcroft
Wed Dec 24, 2014 9:28 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1912

Electric Stove question

We have a GE electric range, about 20 years old. Its been working fine since it was installed back in 1995. The only thing which I replaced was lower bake element and I did that about 2 years ago. We've been baking stuff (cookies, brownies, cake) for the holidays over the past 2 days and noticed thi...
by shawcroft
Tue Dec 23, 2014 6:18 pm
 
Forum: Personal Consumer Issues
Topic: Electric Stove question
Replies: 15
Views: 1912

The Wealthfront Direct Indexing Platform

Yes, and great steps for new young investors, which is part of the Wealthfront / Betterment schtick. I feel like Vanguard is missing a great opportunity by learning how both of those companies have engaged that market. Making vanguard.com less intimidating taking some cues from wealthfront and bett...
by shawcroft
Sun Dec 14, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 32
Views: 4580

U.S. stocks in freefall

At the risk of having bricks thrown at me for engaging in some "market timing", might this be a good day to consider rebalancing...if your asset allocation is in need of it?
Shawcroft
by shawcroft
Tue Dec 09, 2014 12:42 pm
 
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 1195
Views: 222481

Re: Net Unrealized Appreciation on stock in a 401K?

Uncle Pennybags: You may have lost the NUA option for the shares in the second account.....are the company shares in the second account clearly identified by date of acquisition or some other clear "demarcation" or have they been "co-mingled"? If they have been co-mingled, I don'...
by shawcroft
Sat Dec 06, 2014 11:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1032

Re: Net Unrealized Appreciation on stock in a 401K?

the other I transferred some funds in and out and my cost is 80% of market value. I think the one fund you have not touched- and have not taken any distributions from- is probably still "pristine" for NUA treatment. As for the other, I'm not certain what you did with the company stock in ...
by shawcroft
Sat Dec 06, 2014 10:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: Net Unrealized Appreciation on stock in a 401K?
Replies: 12
Views: 1032

Thank you, Taylor...

I too have benefited from Taylor's 'gentle' guidance, and I was also very fortunate to meet and talk with him at BH13. My wife, our younger son, and I were also privileged to meet and speak with Taylor at BH13. It was one of the highlights of the meeting. He- and Jack Bogle- are wise and gracious g...
by shawcroft
Sat Dec 06, 2014 10:48 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: Thank you, Taylor...
Replies: 15
Views: 2426

Re: Most Hated Brokerage Firm? [or one that you love]

To my colleagues:

"Hated " is pretty strong word and I wouldn't use it to describe my feelings toward Merrill Lynch....

I prefer the words: "Violently Detest" :twisted:

Shawcroft
by shawcroft
Thu Dec 04, 2014 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Most Hated Brokerage Firm? [or one that you love]
Replies: 95
Views: 11292

The RMD question

To my colleagues: A full day of searching the internet and lots of interesting things found: First, the new IRS pre-tax/after-tax guidelines outlined in Notice 2014-54. Could be very helpful to folks having post-tax funds in their 401(k)'s Second, a private letter ruling discovered on FindLaw (PLR 9...
by shawcroft
Wed Dec 03, 2014 5:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 750

Re: Fidelity or Schwab Brokerage account

Zecht: Yes, it has to one of four (Fidelity, Schwab, UBS, or Merrill Lynch) because the company I used to work for has those 4 organizations - and only those 4- handle its option exercise program. I'm quite happy with Vanguard but cannot use them for this program. So, if I am "stuck" openi...
by shawcroft
Wed Dec 03, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2926

New IRS notice

Mike: Thanks for the suggestion. I'll look at Ed Slott's place. I did find something else which is sort of related. I haven't seen it posted on the Forum and it was issued by the IRS on 9/18/2014 as Notice 2014-54. In it, the IRS has clarified its rules regarding 401(k) rollovers with pre-tax and af...
by shawcroft
Wed Dec 03, 2014 11:43 am
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 750

An RMD question

To my colleagues: I am partly repeating- and I hope clarifying- a situation involving the termination of a 401(k) held by Vanguard which I described this past October. Some background: I met with my tax accountant recently to make sure my estimated fourth quarter tax payment is enough to avoid any u...
by shawcroft
Tue Dec 02, 2014 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: An RMD question
Replies: 3
Views: 750

Fidelity or Schwab Brokerage account

Livesoft: Thanks for describing your experience with Fidelity. The Fidelity "bricks and mortar" office is about 1000 feet closer to me than the Schwab office. I could walk to either one. I hadn't thought about the Fideilty Amex card you mentioned.....that seems to be one of the better deal...
by shawcroft
Mon Dec 01, 2014 7:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2926

Fidelity or Schwab Brokerage account

It comes to pass that I have to open a brokerage account to exercise some options which were given me back in 2006- and will expire in early 2016. I knew about them but was delaying any action until it got closer to the expiration date and I really hand't paid any attention to the details involving ...
by shawcroft
Mon Dec 01, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity or Schwab Brokerage account
Replies: 29
Views: 2926

The delayed RMD question.

Tomd37:
Thanks for your reply. I will breath somewhat easier now. I've read about the draconian penalty (50%) applied to folks who take insufficient RMD amounts from their IRA's and wanted to ensure I didn't get into that situation.
Shawcroft
by shawcroft
Fri Nov 21, 2014 12:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1743

Retirees' Regrets

Not a regret as much as advice: If you want to travel and see things/do things on your bucket list, make plans to do so and get on the road!
Shawcroft
by shawcroft
Fri Nov 21, 2014 11:01 am
 
Forum: Personal Consumer Issues
Topic: Retirees' Regrets
Replies: 23
Views: 3139

Delayed RMD

I found this thread and thought it might answer some of my question- which is below Some background: I turned 70 1/2 this past August but have delayed talking my RMD from my "traditional" IRA (established 20+ years ago, contributions made for about 10 years, and now held at Vanguard) since...
by shawcroft
Fri Nov 21, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: RMD taxes
Replies: 17
Views: 1743

Re: AT&T Mobile Users: Check your plans

This conversation is timely for us. My wife's Verizon flip phone ( yes, flip phone) appear to be heading off into the electronic sunset......I checked the T-Mobile coverage for our area in the Northeast and it ranges from "good" to "Excellent". I am seriously considering switchin...
by shawcroft
Tue Nov 04, 2014 12:30 am
 
Forum: Personal Consumer Issues
Topic: AT&T Mobile Users: Check your plans
Replies: 63
Views: 9141

Re: Home temperature alarm

cvaneuro:
The Nest would probably be a great solution...but I believe it requires internet access which this place does not have ( and knowing my in-laws, will probably never have)
Shawcroft
by shawcroft
Sun Nov 02, 2014 2:05 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 825

The home temperature alarm

Thanks to all for the suggestions. The house doesn't have either internet service or long distance service ( the owners use cellphones) so a simpler device would probably be preferred. Some years ago, a friend had a summer cabin up in Vermont and had a temperature monitor on his phone line which wou...
by shawcroft
Sun Nov 02, 2014 12:43 pm
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 825

Home temperature alarm

To my colleagues: Has anyone had a good (or bad) experience with a remote device(s) which can measure the temperature at an unoccupied second home, such as a vacation house or "snowbird" home? I've looked around the internet and find several products which seem to fit what I need but haven...
by shawcroft
Sun Nov 02, 2014 11:29 am
 
Forum: Personal Consumer Issues
Topic: Home temperature alarm
Replies: 8
Views: 825
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