Search found 5065 matches

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: 9
Views: 333

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: 55
Views: 3907

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: 2436

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: 9306

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: 2999

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: 17042

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: 2536

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: 17042

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: 4881

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: 169
Views: 9470

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.
by SpringMan
Fri Jul 15, 2016 8:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Yodlee Aggregator not working
Replies: 7
Views: 403

Re: Vanguard Yodlee Aggregator not working

It is working for me linking a Fidelity account. I did have an issue where it failed on a refresh. I tried a second refresh and got a message that I need to wait 15 minutes between refreshes. Later it worked fine.
by SpringMan
Fri Jul 15, 2016 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Avoiding Inheriting Parents' Financial Mess / Debts
Replies: 35
Views: 2924

Re: Avoiding Inheriting Parents' Financial Mess / Debts

Some private student loans are not extinguished by death but I doubt if a 30 year old's parents have that. Like earlier poster said, the estate will be liable for most debt and when the estate is exhausted the debt generally won't be passed to the heirs. Credit cards will likely be SOL on their debt.
by SpringMan
Wed Jul 13, 2016 3:44 pm
Forum: Personal Consumer Issues
Topic: Running windows 7. Do I need McCafee?
Replies: 15
Views: 865

Re: Running windows 7. Do I need McCafee?

No. Windows Defender which comes free with Windows is good enough.
by SpringMan
Wed Jul 13, 2016 2:21 pm
Forum: Investing - Theory, News & General
Topic: have we reached the tipping point in the active vs. passive battle
Replies: 43
Views: 4476

Re: have we reached the tipping point in the active vs. passive battle

Passive investing IMO won't cause so called over grazing because there are so many stock picker style investors out there that buy individual securities. They are trying to find the needle while indexers are buying the haystack.
by SpringMan
Wed Jul 13, 2016 2:11 pm
Forum: Investing - Theory, News & General
Topic: Yahoo Finance redesign
Replies: 42
Views: 3745

Re: Yahoo Finance redesign

I use yahoo finance to display portfolios and don't really see any difference with the redesign. I use ETFs to proxy my index funds so at a glance can see how they are doing during the trading day. Yahoo sent me an email regarding their site redesign but I don't see much difference. For what it is w...
by SpringMan
Wed Jul 13, 2016 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Sound bite.
Replies: 13
Views: 800

Re: Sound bite.

40% equities is enough for us being retired and age 69. We have bond funds too which many advisors don't like in favor of individual bonds held to maturity. Just stupid I guess. :happy
by SpringMan
Tue Jul 12, 2016 4:54 pm
Forum: Investing - Theory, News & General
Topic: What are you up YTD? [Year To Date]
Replies: 1004
Views: 155130

Re: What are you up YTD? [Year To Date]

This thread spans 2014, 2015, and 2016. Obviously the question has different answers for different time frames. It is not over until the fat lady sings.
by SpringMan
Tue Jul 12, 2016 3:03 pm
Forum: Investing - Help with Personal Investments
Topic: What is your taxable account investing strategy?
Replies: 29
Views: 2893

Re: What is your taxable account investing strategy?

1. FSIVX (Fidelity International Index Premium Class) =20% of taxable 2. VSS (Vanguard FTSE International Mid/Small ETF) =15% of taxable 3. VLCAX (Vanguard Large Cap Index) =65% of taxable VLCAX was a result of tax loss harvesting Total Stock Mkt (VTSAX) back in 2009. The two foreign holdings are in...
by SpringMan
Tue Jul 12, 2016 12:07 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Status [worth lobbying for?]
Replies: 13
Views: 1712

Re: Vanguard Flagship Status [worth lobbying for?]

Generally not worth it unless you plan to buy non Vanguard products. Flagship gets you 25 free trades per year including mutual funds that otherwise have transaction fees. If you want to buy Vanguard PRIMECAP, PRIMECAP Core, or Capital Opportunity funds which are closed to non Flagship clients it ma...
by SpringMan
Tue Jul 12, 2016 10:19 am
Forum: Personal Consumer Issues
Topic: Vanguard broken this morning?
Replies: 37
Views: 1956

Re: Vanguard broken this morning?

Nicolas wrote:It's very slow for me today. I'm not trying to trade anything, just reviewing my accounts. It eventually displays but only after a long wait.

Slow as molasses in January. :happy
by SpringMan
Tue Jul 12, 2016 10:01 am
Forum: Investing - Help with Personal Investments
Topic: Intermediate Vs. Long-Term Bonds NYTimes
Replies: 10
Views: 682

Re: Intermediate Vs. Long-Term Bonds NYTimes

The concept of holding to term in my opinion only makes sense with individual bonds, not a bond fund. Bond funds have purchases and redemptions on a daily basis. It is thought that one should be okay if a bond fund is held for the average duration of its bonds. This may be difficult with long term b...
by SpringMan
Sat Jul 09, 2016 9:01 am
Forum: Investing - Theory, News & General
Topic: Fidelity customers: Have you experienced pressure to buy active funds?
Replies: 59
Views: 3177

Re: Fidelity customers: Have you experienced pressure to buy active funds?

In general, no, Fidelity has never pressured us. However, when I retired, Fidelity offered a free consult with a "retirement specialist". They spent a couple hours on the phone with us, 2 one hour sessions. They ran simulations showing projected results out to age 95 or so. They also provi...
by SpringMan
Fri Jul 08, 2016 8:40 am
Forum: Personal Consumer Issues
Topic: Mice in my grill
Replies: 32
Views: 2694

Re: Mice in my grill

I had a similar problem only not with mice but with earwigs. When I turned on the gas and fired up the grill, the earwigs mass exited. I am not fond of mice so unlike the poster that turned of the grill and let the mice escape, I would likely incinerate them. I routinely poison mice when they get in...
by SpringMan
Thu Jul 07, 2016 7:24 am
Forum: Personal Consumer Issues
Topic: Anyone Else Purchase a "Killer Jeep"?
Replies: 30
Views: 3679

Re: Anyone Else Purchase a "Killer Jeep"?

It's not a vehicle defect. It's a dumb design decision on the part of Chrysler-Fiat. Learning how to put a vehicle in park isn't something we need to "re-learn". Yes, park is the hand brake, whose the **** who mixed it up with the shift lever? The automatic transmission indicator on most ...
by SpringMan
Wed Jul 06, 2016 1:07 pm
Forum: Personal Consumer Issues
Topic: Experience with AT&T U-verse?
Replies: 19
Views: 1500

Re: Experience with AT&T U-verse?

We have U-verse and formerly had the battery pack that allows a graceful shutdown during power outages. After many years the battery started acting up. It would inadvertently go into alert mode and emit a shrill sound. After a few times being wakened up by this in the middle of the night, I called A...
by SpringMan
Mon Jul 04, 2016 1:09 pm
Forum: Investing - Theory, News & General
Topic: Fidelity lowers expense ratio of some index funds
Replies: 117
Views: 8414

Re: Fidelity Undercutting Vanguard Expenses

May be a loss-leader/"bait and switch" tactic by Fidelity. It has been reported that Fidelity advertises their lower-priced index funds and then steers unwary investors to higher-priced alternative investment funds. Not the case in my personal experience with Fidelity. I held low cost ind...
by SpringMan
Sun Jul 03, 2016 11:11 am
Forum: Personal Consumer Issues
Topic: What do you spend your money on???
Replies: 149
Views: 13007

Re: What do you spend your money on???

Photography, recently migrated to Fuji x mirrorless system from Pentax DSLR. Slowly acquiring a few Fujifilm x lenses and have an adapter to mount Pentax lenses on my Fuji. Of course, adapted lenses only work with manual focus.
by SpringMan
Sat Jul 02, 2016 11:29 am
Forum: Investing - Help with Personal Investments
Topic: What am I not understanding?
Replies: 45
Views: 3795

Re: What am I not understanding?

I agree that VG Target Date funds are not always the best option, though not a bad option. Not everyone wants international bonds. You can lower your expense ratio with admiral shares or ETFs. Paul Merriman has Vanguard recommendations here.
http://paulmerriman.com/pauls-mutual-fu ... endations/
by SpringMan
Sat Jul 02, 2016 11:14 am
Forum: Investing - Help with Personal Investments
Topic: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)
Replies: 68
Views: 6654

Re: VG vs. Fido - The Grass Is Not Always Greener (or Is It?)

Recently Fidelity has expanded and lowered prices on their index funds. There are previous threads on this. Low cost index investors can be accommodated at either firm. Difference is like that of Coke vs Pepsi IMO. Sure Fidelity charges more to buy Vanguard funds and Vanguard charges more to buy Fid...
by SpringMan
Thu Jun 30, 2016 12:05 pm
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5717

Re: Bogleheads, have we "arrived" ?

Let me play devils advocate. 1. Vanguard Flagship status- a billionaire may not have assets at Vanguard 2. 2 commas in our networth excluding primary residence -a billionaire has more than 2 commas. 3. Paid off primary residence - it makes no difference. 4. All investments in 3 fund portfolio - more...
by SpringMan
Wed Jun 29, 2016 10:45 am
Forum: Personal Consumer Issues
Topic: Bogleheads, have we "arrived" ?
Replies: 70
Views: 5717

Re: Bogleheads, have we "arrived" ?

I don't think the OP was actually asking anything. I think they were just putting together a list of Boglehead milestones, so to speak. I also don't think the thread is very actionable, has anything to do with consumer issues, and that sarcasm is lost on some... :happy Agreed, having arrived sounds...
by SpringMan
Sat Jun 25, 2016 3:59 pm
Forum: Personal Consumer Issues
Topic: VG password security (for phoning into rep)
Replies: 19
Views: 771

Re: VG password security (for phoning into rep)

I have the voice verification and it does not seem to work all that well. After repeating their phrase, I get prompted to repeat a different phrase, after the third failure, I get human. Other times it works on the first try. I thought it might be an AT&T' Uverse VOIP problem. I have complained ...
by SpringMan
Sat Jun 25, 2016 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Age in bonds
Replies: 12
Views: 1481

Re: Age in bonds

Bonds rock. I wonder how the 100% equity people did. We're doing just GREAT!! Thanks for asking. We're still so far ahead that we're just looking at the gain from reinvesting dividends at lower prices! :sharebeer Our 40% equity 60% bond portfolio is now worth less than it was in May of 2015 though ...
by SpringMan
Fri Jun 24, 2016 11:46 am
Forum: Investing - Theory, News & General
Topic: Aren't VTIAX and VXUS supposed to be "the same"?
Replies: 8
Views: 539

Re: Aren't VTIAX and VXUS supposed to be "the same"?

Incendiary wrote:So if I put money in to buy VTIAX now vs. two hours from now, will I end up buying the same amount and at the same price, since it's only reflected once a day?

Yes, mutual funds are priced once a day at their closing NAV.
by SpringMan
Wed Jun 22, 2016 4:01 pm
Forum: Personal Consumer Issues
Topic: Headphones, consumerism, and escalation of "needs"
Replies: 55
Views: 4337

Re: Headphones, consumerism, and escalation of "needs"

I love my NVX Audio XPT100 over the ear headphones currently go for $79 at Amazon, New Egg, and others. I can't stand earbuds and don't run, jog, or exercise with mine. These have good sound stage and efficient enough to use with an iPod or cell phone. Check Monoprice for cheaper headphones.
by SpringMan
Wed Jun 22, 2016 11:12 am
Forum: Investing - Help with Personal Investments
Topic: When to fund my Bogle index funds?
Replies: 43
Views: 1734

Re: When to fund my Bogle index funds?

Unfortunately I am not familiar with ticker symbols. You will probably receive a lot more feedback by listing the fund names instead. Really or are you just piling on to what Taylor already posted. Total Bond Market, International Bond, Total International, and Total Stock Market. You probably own ...
by SpringMan
Wed Jun 22, 2016 11:03 am
Forum: Investing - Help with Personal Investments
Topic: When to fund my Bogle index funds?
Replies: 43
Views: 1734

Re: When to fund my Bogle index funds?

Unfortunately I am not familiar with ticker symbols. You will probably receive a lot more feedback by listing the fund names instead. Really or are you just piling on to what Taylor already posted. Total Bond Market, International Bond, Total International, and Total Stock Market. You probably own ...
by SpringMan
Wed Jun 22, 2016 4:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard mutual fund requirement
Replies: 32
Views: 2353

Re: Vanguard mutual fund requirement

If you don't feel comfortable affording the 3000 dollar minimum use the most aggressive Target Date fund which has a 1000 dollar minimum.

@TropikThunder- I don't believe you are correct about the 10% IRS penalty on withdrawing the contributions made to a Roth IRA and not the earnings.
by SpringMan
Mon Jun 20, 2016 4:56 pm
Forum: Personal Consumer Issues
Topic: Where (safely and legally) to keep "cash"?
Replies: 78
Views: 5276

Re: Where (safely and legally) to keep "cash"?

123 wrote:A family friend used to keep his local cash horde in distributed clothing pockets hanging in the closet (think suit jacket pockets).

With my luck my wife would donate the money laden clothing to the Salvation Army or other charity. :happy
by SpringMan
Mon Jun 20, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: ATT service Friday June 17
Replies: 1
Views: 482

Re: ATT service Friday June 17

We have AT&T Uverse for cable TV, VOIP phone, and intertnet. In the past, when our internet went down, we were credited $15 which was computed as $5 per service. This was not automatic, you had to call them and ask for compensation. If you called them to complain about the outage, they will have...
by SpringMan
Sun Jun 19, 2016 7:50 am
Forum: Investing - Theory, News & General
Topic: Why You Shouldn't Do International Stocks?
Replies: 60
Views: 7610

Re: Why You Shouldn't Do International Stocks?

The video was made February 2015, the mid cap fund, VO, is cheaper now at .08%. The logic of just owning mid caps is faulty. The video points out the S&P 500 stocks fall out and new ones get added but this is not the case for the Total Stock Market index, VTSAX/VTI. TSM has less turnover, turn o...
by SpringMan
Sat Jun 18, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - Newly Eligible to Upgrade
Replies: 15
Views: 2039

Re: Vanguard Brokerage - Newly Eligible to Upgrade

If you have permission to trade on your spouse's account, you will lose it in the upgrade. You will need to send in a notarized authorization form to reestablish it.
by SpringMan
Fri Jun 17, 2016 11:28 am
Forum: Personal Consumer Issues
Topic: Visiting Sequoia National Park- recommendations?
Replies: 10
Views: 574

Re: Visiting Sequoia National Park- recommendations?

We visited in November. Two wheel drive vehicles were required to use tire chains which you could rent on the way in. We also visited King's Canyon NP to the north. Snow was not really that bad but typical of California guard rails along the road side are not their long suit. I was glad to have the ...
by SpringMan
Fri Jun 17, 2016 11:14 am
Forum: Personal Consumer Issues
Topic: Neighborhood kids setting up lemonade stand on my property
Replies: 102
Views: 5875

Re: Neighborhood kids setting up lemonade stand on my property

what would i do? probably buy a lemonade a time or two. i've got a basketball goal in my driveway. about 4 kids in the neighborhood come over and use it. i don't give it a second thot. I could live with a lemonade stand but not with kids using a basketball hoop in my drive unless my own kids were i...
by SpringMan
Fri Jun 17, 2016 8:07 am
Forum: Personal Consumer Issues
Topic: Vanguard change of address policies
Replies: 13
Views: 1693

Re: Vanguard change of address policies

Though I am not a fan of banks in general, free notarizing is a nice service provided by most banks. Watch out that your notary does not use their signature also as one of the witnesses. The law on this varies state to state but PA where Vanguard resides won't allow it.
by SpringMan
Thu Jun 16, 2016 1:06 pm
Forum: Investing - Help with Personal Investments
Topic: VBILX or VBTLX? [Vanguard Intermediate-Term or Total Bond]
Replies: 16
Views: 1375

Re: VBILX or VBTLX?

Munir wrote:
What is the downside of MBS?

They exhibit something referred to as negative convexity.
http://www.snl.com/interactive/lookandf ... 7464/3.pdf
by SpringMan
Thu Jun 16, 2016 7:58 am
Forum: Investing - Help with Personal Investments
Topic: VBILX or VBTLX? [Vanguard Intermediate-Term or Total Bond]
Replies: 16
Views: 1375

Re: VBILX or VBTLX?

I like them both and hold VBILX in a Roth IRA and VBTLX in a tIRA. There are pros and cons to each. Duration is 6.5 years on VBILX and 5.6 years on VBTLX. Morningstar's risk/return for VBTLX is avg/avg and for VBILX is high/high.
by SpringMan
Wed Jun 15, 2016 2:12 pm
Forum: Investing - Theory, News & General
Topic: 51 things you shouldn't do with your money
Replies: 42
Views: 5805

Re: 51 things you shouldn't do with your money

Loved it! I didn't understand this one however: Don’t fully fund your 401(k) if you smoke, drink heavily and never exercise The implication is that you won't live long enough to need a ton of money. That is the implication but genetics play a big role in life expectancy. Also your heirs (or spouse)...
by SpringMan
Tue Jun 14, 2016 2:05 pm
Forum: Personal Consumer Issues
Topic: R.I.P. Gordie Howe
Replies: 5
Views: 789

R.I.P. Gordie Howe

Mr. Hockey has passed away June 10th. I was one of his big fans.
https://en.wikipedia.org/wiki/Gordie_Howe
by SpringMan
Tue Jun 14, 2016 8:22 am
Forum: Personal Consumer Issues
Topic: Top 9"+ Tablets for cheap
Replies: 17
Views: 1849

Re: Top 9"+ Tablets for cheap

We have both a Samsung Galaxy Tab S2 9.7 inch and an older Retina iPad. Both are great tablets. The Samsung is expandable with a Micro SD card slot. Unfortunately neither is under $300. Best I can find is here: http://www.bhphotovideo.com/c/product/1245717-REG/samsung_sm_t813nzdexar_32gb_galaxy_tab_...

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