Search found 5105 matches

by SpringMan
Fri Aug 26, 2016 9:27 am
Forum: Investing - Theory, News & General
Topic: DOL fiduciary rule, will anything change?
Replies: 22
Views: 2000

Re: DOL fiduciary rule, will anything change?

I wonder how many funds might have to shut down because FAs won't be able to recommend them as being in the client's best interest. Even if they're in the worst performing funds class? What fiduciary could recommend them? Also the DOL fidiciary rule only applies to retirement accounts. Advisors for...
by SpringMan
Thu Aug 25, 2016 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Are Vanguard Personal Advisory Services worth the extra %?
Replies: 22
Views: 1766

Re: Is Vanguard Flagship worth the extra %?

Your title confused me. Vanguard Flagship has no fee, it requires an account size of $1,000,000 or more invested in Vanguard products at Vanguard. At the end of your post, you mention VPAS at .3%. IMO it is not worth it but that is me. Others will feel differently.
by SpringMan
Thu Aug 25, 2016 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 8371

Re: Vanguard's so so customer service

darkhorse346 wrote: Question regarding your IRA brokerage upgrades: Before the upgrade, did you have authority to manage your spouse's IRA? If you did, did you have to fill out forms and get medallion signatures? ... I went through this where I had authorization to trade my spouse's IRA account pri...
by SpringMan
Thu Aug 18, 2016 5:42 pm
Forum: Investing - Theory, News & General
Topic: Growth, Value or Both?
Replies: 19
Views: 1284

Re: Growth, Value or Both?

I have decided to stick to blend funds, no value or growth tilt. I do tilt size to mid/small.
by SpringMan
Thu Aug 18, 2016 2:47 pm
Forum: Personal Consumer Issues
Topic: Bogus "sale" prices and savvy shoppers
Replies: 26
Views: 2585

Re: Bogus "sale" prices and savvy shoppers

Kohl's always has things marked way up and then offer 50% to 75% off on their artificial prices. They do have coupons and a senior citizen discount one day per week which can be stacked. Sometimes a deal can be had.
by SpringMan
Thu Aug 18, 2016 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund Admiral Shares
Replies: 9
Views: 859

Re: Vanguard Health Care Fund Admiral Shares

As a conservative retiree, the biotech sector is too much a hot potato for me and this fund has biotech. Who knows what the future holds? It depends on what is in the rest of your portfolio too. If your health care fund is less than 5% then it may make sense to hold on to it.
by SpringMan
Wed Aug 17, 2016 3:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 6105

Re: Vanguard Dividend Growth just closed (effective *now*)

Not really interested in buying this fund but was wondering out of curiosity if it is available to Flagship clients similar to the closed PRIMECAP funds.
by SpringMan
Tue Aug 16, 2016 5:06 pm
Forum: Personal Consumer Issues
Topic: Long wait on Vanguard Phone Lines-What's going on?
Replies: 52
Views: 5087

Re: Long wait on Vanguard Phone Lines-What's going on?

I have been a Vanguard customer for many years, and am a Vanguard Voyager Select customer (working towards Flagship status). I've always used their phone services rather than on line and been very happy with the timeliness and professionalism of the customer service reps. Just curious, why do you a...
by SpringMan
Tue Aug 16, 2016 8:23 am
Forum: Personal Finance (Not Investing)
Topic: Where to report IRS impersonation scams
Replies: 26
Views: 1625

Re: Where to report IRS impersonation scams

The best thing we can do is get the word out there especially to our seniors that the IRS does not contact you by phone to threaten you with a lawsuit. The same thing is true regarding your computer, windows support calls regarding errors for example. These scams target all ages but seniors may be m...
by SpringMan
Mon Aug 15, 2016 8:35 am
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2011

Re: Portfolio Review ?

The 25% international should be divided into hedged and unhedged. That is, hold both Global Min Vol and Total International. The proportion is largely a matter of opinion. Having two bond funds is a good idea, but those are not the two I would pick. When you say 25% international, are you talking a...
by SpringMan
Sun Aug 14, 2016 1:55 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

... My understanding is we can switch plans during open enrollment without medical underwriting..... Do you have a reference for this? To my knowledge they're not dropping the plan; just raising the premium. No reference, someone suggested they usually allow switching to a lower plan within the sam...
by SpringMan
Sun Aug 14, 2016 9:38 am
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

CWradio,
Thanks for the link. It shows current prices before the freeze ends not 2017 prices for BC Legacy Plan C. Also, if all people in the same plan get the same rate, why is my wife's going to 203 per month and mine going to 218 per month? Only difference is gender.
by SpringMan
Sat Aug 13, 2016 4:29 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

Thanks, celia
by SpringMan
Sat Aug 13, 2016 3:06 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

Thanks mur44, good to know that downgrading a plan may not require underwriting.
by SpringMan
Sat Aug 13, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: I'm almost a Boglehead, but I have some questions...
Replies: 14
Views: 1405

Re: I'm almost a Boglehead, but I have some questions...

1. Index mutual funds and index ETFs are equally good when the expense ratios are comparable. Vanguard admiral shares generally have the same expense as the corresponding Vanguard ETFs. There are pros and cons to using ETFs. Whole integer share counts must be purchased with ETFs and they trade like ...
by SpringMan
Sat Aug 13, 2016 2:00 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

I don't know offhand about Plan N but will check into it. I assume underwriting is not necessary if we stay with a BC/BS plan.
by SpringMan
Sat Aug 13, 2016 12:45 pm
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Re: Blue Cross Legacy Plan C Medigap

Thanks. Yes our rates are just going up but the plan is not being dropped so it looks like I may have to bite the bullet and pay more. I don't think we would be able to qualify if medical underwriting is needed due to preexisting conditions. If Plan C is being phased out in 2019 or 2020, it may be w...
by SpringMan
Sat Aug 13, 2016 12:08 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2011

Re: Portfolio Review ?

Your friends 4 fund portfolio is not bad in my opinion. The minimum volatility fund does include a nice chunk of international equity and has had good performance, maybe some recency bias could come into play. I like your 3 fund portfolio better, Total Stock Market, Total International Stock Market ...
by SpringMan
Sat Aug 13, 2016 11:36 am
Forum: Personal Finance (Not Investing)
Topic: Roth conversion & state income taxes
Replies: 12
Views: 966

Re: Roth conversion & state income taxes

Depending on the size of your tax deferred accounts, your tax bracket my rise once RMDs kick in at age 70.5. So unless you plan to move out of Oregon to a more tax friendly state, it may make sense to convert to a Roth at 15% federal, 9% Oregon than at a higher federal rate later on. I converted som...
by SpringMan
Sat Aug 13, 2016 11:18 am
Forum: Personal Consumer Issues
Topic: Blue Cross Legacy Plan C Medigap
Replies: 19
Views: 852

Blue Cross Legacy Plan C Medigap

We both have BC/BS Legacy Plan C Medigap in Michigan. Our rates have been frozen for the last 5 years at $122 per month each but like all good things that is coming to an end. Blue Cross has estimated my wife's new rate at $203 per month and mine at $218 per month starting in 2017. She is one month ...
by SpringMan
Fri Aug 12, 2016 4:33 pm
Forum: Investing - Help with Personal Investments
Topic: Spousal IRA question
Replies: 9
Views: 687

Re: Spousal IRA question

If you have money in a taxable account, it makes sense to fund her the Roth with it and you could do a Roth too.
by SpringMan
Fri Aug 12, 2016 7:07 am
Forum: Investing - Help with Personal Investments
Topic: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]
Replies: 12
Views: 639

Re: VOB vs VWOB vs VXUS [Emerging markets bond vs. total international]

I don't agree with the OP's premise that third world / emerging markets countries are more stable investments than developed countries. One would think the OP would respond by now at least confirming the corrections made to their unknown symbols, its Friday and the OP posted on Tuesday. Welcome aboa...
by SpringMan
Wed Aug 10, 2016 8:50 am
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 99
Views: 7892

Re: 20%

Consider this post containing a solution for international stock percentage: Vanguard researchers believe no less than a 20% international stock allocation is reasonable. Jack Bogle believes no more than a 20% international stock allocation is reasonable. When experts (a lot smarter than I am) agre...
by SpringMan
Tue Aug 09, 2016 11:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard - why don't I 'feel' good about them?
Replies: 36
Views: 3451

Re: Vanguard - why don't I 'feel' good about them?

Vanguard index funds can minimize capital gains one unique way Fidelity can not. The existence of an ETF share class provides for this. I doubt if this makes much difference, especially now that Fidelity lowered it ERs. Regarding your low tax bracket, that can change over the years. Index funds have...
by SpringMan
Tue Aug 09, 2016 11:01 am
Forum: Investing - Theory, News & General
Topic: Talking about the Bogleheads approach with non-Bogleheads
Replies: 64
Views: 4491

Re: Talking about the Bogleheads approach with non-Bogleheads

Just ask them a couple of rhetorical questions for them to dig up at a latter date. Last year what did they pay in fees (in dollars and %). What was their after fees and tax return from their FA, and how does that compare to what the S&P returned. :sharebeer Problem with that is most investors ...
by SpringMan
Sun Aug 07, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Avoid International?
Replies: 99
Views: 7892

Re: Avoid International?

I trust in Jack Bogle, no more than 20% international equity. Vanguard shows us 15% and Morningstar at 17.5%. I started in the 20% range but have not rebalanced more into foreign.
by SpringMan
Sun Aug 07, 2016 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard total bond market ETF expense ratio (BND)
Replies: 14
Views: 519

Re: Vanguard total bond market ETF expense ratio (BND)

Not quite sure what you are asking but VBMFX, investor share class has an ER of .16%.
https://personal.vanguard.com/us/funds/ ... IntExt=INT
by SpringMan
Sun Aug 07, 2016 8:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgrading to Brokerage account comes with some nuisances
Replies: 67
Views: 7062

Re: Vanguard upgrading to Brokerage account comes with some nuisances

If you have authorization to trade on a spouse's account, you will lose this after upgrading to a brokerage account. This can't be fixed online or by phone, it requires a notarized signature authorization form be completed.
by SpringMan
Fri Aug 05, 2016 8:41 am
Forum: Investing - Theory, News & General
Topic: Rick Ferri's Bond Portfolio
Replies: 29
Views: 4010

Re: Rick Ferri's Bond Portfolio

All Vanguard domestic bond funds have a certain percentage of foreign bonds as do Wellington and Wellesley. Vanguard does not recognize this but Morningstar does. Having no international bond funds, Personal Capital's analysis says I am overweight in international bonds. My first thought was they we...
by SpringMan
Fri Aug 05, 2016 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Primecap group
Replies: 3
Views: 558

Re: Primecap group

Depending on the dollar amount consolidation could be an issue. I believe Vanguard limits investing in either fund to $25K per year in new investments even for existing holders. So it could take multiple years to consolidate. Interesting Vanguard Primecap Core fund, also very good, does not impose t...
by SpringMan
Tue Aug 02, 2016 4:21 pm
Forum: Investing - Theory, News & General
Topic: How long to turn 1 million to 2 millions for you?
Replies: 44
Views: 7982

Re: How long to turn 1 million to 2 millions for you?

The Rule of 72 says dividing the % interest rate into 72 will give you the number of years for money to double. Of course any new money invested will accelerate that time frame.
by SpringMan
Tue Aug 02, 2016 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: All Bonds in IRA for RMDs?
Replies: 7
Views: 782

Re: All Bonds in IRA for RMDs?

40/60 here in total portfolio and I think having all bonds in IRAs is a good idea. Growth will be slower with much less volatility. We need to start RMDs next year too. It is going to be hard to stay in the 15% tax bracket once RMDs kick in. Selfish of me but I rather pay tax and help out my kids th...
by SpringMan
Fri Jul 29, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Last day for free update to Windows 10
Replies: 46
Views: 2505

Re: Last day for free update to Windows 10

Why do you need windows 7 if you are already at 10 ? Some software won't run on Windows 10 that does on Windows 7. I heard Microsoft Media Center and maybe Microsoft Flight Simulator. I have not experienced any problems with Windows 10 personally. It does on occasion popup a nag to try MS Office, I...
by SpringMan
Thu Jul 28, 2016 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: SSA MANDATORY cell phone based multifactor authentication [now RESCINDED]
Replies: 168
Views: 13166

Re: SSA MANDATORY cell phone based multifactor authentication

Interesting yet Medicare cards are still using SS numbers though I have heard a change to that is coming.
by SpringMan
Thu Jul 28, 2016 8:23 am
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 4007

Re: 100 % Wellesley Admiral (VWIAX)?

Why are you avoiding international bonds? If US rates rise, you'll have bonds that haven't lost value that you can sell to meet expenses. Or the fund would rebalance out of them for an all-in-one. International rates are low, but the hedge yield on currency should bring them to a level where a US i...
by SpringMan
Thu Jul 28, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Are there any dental insurance worthwhile?????
Replies: 31
Views: 2916

Re: Are there any dental insurance worthwhile?????

I self insure and agree no dental insurance is worthwhile unless it is provided by your employer. One consolation is at income tax time I have been able to itemize because of high dental expenses. If not for dental expenses we would be taking the standard deduction. Some dentist will give discounts ...
by SpringMan
Thu Jul 28, 2016 7:15 am
Forum: Investing - Help with Personal Investments
Topic: Redemption fees for Fidelity Index (nee Spartan) Funds
Replies: 24
Views: 1798

Re: Redemption fees for Fidelity Index (nee Spartan) Funds

Also reinvested dividends / capital gains are not subject to redemption fees and as mentioned FIFO is correct.
by SpringMan
Wed Jul 27, 2016 7:57 am
Forum: Investing - Help with Personal Investments
Topic: 100 % Wellesley Admiral (VWIAX)?
Replies: 35
Views: 4007

Re: 100 % Wellesley Admiral (VWIAX)?

100% VWIAX is fine in one IRA. It is not tax efficient to hold VWIAX in a taxable account. For a long time my spouse's IRA was 100% VWIAX but my IRA, our joint taxable accounts and both our Roths held other things. I guess what I am saying is as along as your total portfolio is diversified, it does ...
by SpringMan
Wed Jul 27, 2016 7:39 am
Forum: Personal Consumer Issues
Topic: Buying a used DSLR Suggestion
Replies: 37
Views: 2389

Re: Buying a used DSLR Suggestion

I would not rule out mirrorless cameras. They have similar sized sensors to DSLRs and are more compact. I think the Fuji X100T or older Fuji X100s are great cameras if you do not mind just one lens. I moved from a Pentax DSLR system to Fuji X system. There are adapters to allow DSLR lenses to work b...
by SpringMan
Tue Jul 26, 2016 9:17 am
Forum: Investing - Help with Personal Investments
Topic: Private Wealth Management - Vanguard or ML
Replies: 29
Views: 2874

Re: Private Wealth Management - Vanguard or ML

Merrill Lynch merged with Bank of America, one of the so called monster mega-banks. Merger or not, I would steer clear. IMO Vanguard is a good choice, maybe Fidelity or Schwab but not ML.
by SpringMan
Mon Jul 25, 2016 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Selling MF with monthly dividend near end of month
Replies: 17
Views: 994

Re: Selling MF with monthly dividend near end of month

All of the funds you list do not include accrued interest (shout out to alex_686) in their net asset values, therefore before or after makes no difference. Sell the ones in taxable and she'll receive the pro-rata interest through the sale date. PJW Agreed but she should receive pro-rata interest th...
by SpringMan
Sun Jul 24, 2016 7:56 am
Forum: Personal Consumer Issues
Topic: World VCR production is ending next month. What to do with my old VHS tapes?
Replies: 57
Views: 4490

Re: World VCR production is ending next month. What to do with my old VHS tapes?

Any tape that was not homemade and suitable for general viewing was still being accepted by charitable organizations when we donated boxes of such tapes. Unfortunately our homemade tapes likely ended up in a landfill. I have seen homemade tapes for less than a dollar at flea markets and customers ge...
by SpringMan
Sat Jul 23, 2016 11:19 am
Forum: Personal Consumer Issues
Topic: Should one upgrade to Windows 10? Free thru July 29?
Replies: 35
Views: 2631

Re: Should one upgrade to Windows 10? Free thru July 29?

You can lock in the free Win 10 upgrade by doing the upgrade now. You can then roll back to your previous version of Windows. My understanding is once your computer has had a valid copy of Win 10 installed, it will be remember your hardware has once had Win 10 and you will be allowed to install Win ...
by SpringMan
Thu Jul 21, 2016 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Just got back from Europe...ready to sell my International...
Replies: 82
Views: 9566

Re: Just got back from Europe...ready to sell my International...

There have been some thoughtful posts in this thread. We all know what Mr. Bogle thinks on the subject. I find myself holding 15% of equities in foreign which are located in taxable space with unrealized gains. My intention is to remain status quo mainly because of the unrealized capital gains. Vang...
by SpringMan
Wed Jul 20, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: wishing the market would drop to buy more shares
Replies: 36
Views: 3119

Re: wishing the market would drop to buy more shares

Being 69 years old, retired, with no earned income coming in, I hope we never see another big market drop. Of course we will, that is why I am 40/60 and thinking of scaling back to 30/70. Been retired since 2004 so have seen a bear market while retired. It was no fun :( .
by SpringMan
Wed Jul 20, 2016 8:52 am
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 113
Views: 17723

Re: Betterment Review

7. No cash drag, and no trading fees

azanon Good point, Schwab's robo-advisor service is free but their cash drag is the catch. They use an expensive MM cash component.
by SpringMan
Mon Jul 18, 2016 3:27 pm
Forum: Investing - Help with Personal Investments
Topic: making VWINX (Wellesley inc) portfolio out of vanguard funds
Replies: 40
Views: 2666

Re: making VWINX (Wellesley inc) portfolio out of vanguard funds

For the equity sleeve of VWINX I would suggest Vanguard Equity Income fund. If no tax sheltered space is available then pick a tax exempt bond fund for the bond sleeve.
by SpringMan
Sun Jul 17, 2016 4:49 pm
Forum: Investing - Theory, News & General
Topic: Betterment Review
Replies: 113
Views: 17723

Re: Betterment Review

Clark Howard, a man that I respect, likes Betterment and Wealthfront. Of course, he also likes vanguard. One thing Clark Howard said that I find hard to believe is that Betterment and Wealthfront use artificial intelligence. Does Clark Howard even know what artificial intelligence is? If I am wrong,...
by SpringMan
Fri Jul 15, 2016 4:47 pm
Forum: Personal Consumer Issues
Topic: Retired a year - big loss [ :) ]
Replies: 25
Views: 4960

Re: Retired a year - big loss [ :) ]

It has been said there is only so much weight in the world and it just moves around from one person to another. Guess where your 40 lbs went?
by SpringMan
Fri Jul 15, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Another look at corporate bonds
Replies: 209
Views: 12707

Re: Another look at corporate bonds

I have read that Jack Bogle likes them, VICBX, VG intermediate term corp index institutional and I believe Bill Bernstein has recommended VG short term investment grade. When experts disagree it may not matter much.

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