Search found 4984 matches

by SpringMan
Mon May 23, 2016 3:33 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 47
Views: 3250

Re: Which HBO show to watch next?

Deadwood is worth watching anyway. I watched and enjoyed all seasons of The Sopranos and it ended rather abruptly leaving things open for another season which never happened.
by SpringMan
Sun May 22, 2016 4:09 pm
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 47
Views: 3250

Re: Which HBO show to watch next?

I really liked Boardwalk Empire. Good historical fiction. You already watched The Wire, I tried it but could not get past the profanity and street talk. I don't consider myself a prude but profanity can be over done. Another show that I watch and enjoy on HBO is Bill Maher, some episodes are better...
by SpringMan
Sun May 22, 2016 8:53 am
Forum: Personal Consumer Issues
Topic: Which HBO show to watch next?
Replies: 47
Views: 3250

Re: Which HBO show to watch next?

I really liked Boardwalk Empire. Good historical fiction. You already watched The Wire, I tried it but could not get past the profanity and street talk. I don't consider myself a prude but profanity can be over done. Another show that I watch and enjoy on HBO is Bill Maher, some episodes are better ...
by SpringMan
Sat May 21, 2016 3:24 pm
Forum: Personal Consumer Issues
Topic: Amazon has no head to head competitors?
Replies: 71
Views: 4120

Re: Amazon has no head to head competitors?

For technology I find B&H Photo is my first choice prior to Amazon. I use Amazon to read reviews which are more plentiful there.
by SpringMan
Fri May 20, 2016 1:34 pm
Forum: Personal Finance (Not Investing)
Topic: IRA-to-Roth conversion in Vanguard
Replies: 23
Views: 1424

Re: IRA-to-Roth conversion in Vanguard

Don't have taxes withheld from the conversion. Best to pay taxes owed from the conversion when you file your taxes. If necessary file quarterly estimated tax or bump withholding on other income such as W2 income or SS or pension. If you convert x, you want x added to your Roth, not x minus withholdi...
by SpringMan
Thu May 19, 2016 3:53 pm
Forum: Investing - Theory, News & General
Topic: Beginner Questions
Replies: 5
Views: 577

Re: Beginner Questions

Fund size matters on bloated actively managed funds where the fund manager is trying to pick stocks and bonds. Fund size isn't all that relevant on index funds. If you want to invest in a Vanguard fund at Fidelity, it is cheaper to use the ETF share class at $7.95 rather than the fund at $75. TSM is...
by SpringMan
Wed May 18, 2016 9:43 am
Forum: Personal Consumer Issues
Topic: $750 repair or buy new [MacBook Pro]
Replies: 39
Views: 2903

Re: $750 repair or buy new

B&H has a 13 inch MacBook Air on sale for $799, free shipping and no sales tax. Not a MacBook Pro and only 4GB RAM, 128GB SSD but if you want a brand new Mac not a bad price.
by SpringMan
Tue May 17, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 60
Views: 6165

Re: BREAKING NEWS! S&P 500 Index Tops Jim Kramer

Rhetorical question, you do mean Cramer spelled with C?
by SpringMan
Tue May 17, 2016 4:57 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 48
Views: 4956

Re: Fidelity Spartan Funds - name changes

Sweet thank you. Since the notice said the funding requirements are changing, was just wondering if they were raising the limits (for example, no longer letting people use the funds with less than a higher amount). As I mentioned earlier in this thread, Fidelity told me that the minimums would not ...
by SpringMan
Mon May 16, 2016 11:24 am
Forum: Investing - Theory, News & General
Topic: What % do you have in alternatives? REITs, commodities, etc.)
Replies: 67
Views: 3511

Re: What % do you have in alternatives? REITs, commodities, etc.)

2% of total portfolio is REITS. 0% commodities. No specific REIT fund, just those that are present in other funds. Total portfolio is 40/60.
by SpringMan
Sat May 14, 2016 5:21 pm
Forum: Investing - Help with Personal Investments
Topic: VPAS recommendation: Do you agree? (new to index fund investing)
Replies: 61
Views: 3209

Re: VPAS recommendation: Do you agree? (new to index fund investing)

Cheeko246 wrote Large cap - Vanguard Total Stock Market Index Fund Admiral Shares – 37% US mid/small cap - Vanguard Total Stock Market Index Fund Admiral Shares – 16% Maybe this is a typo for US mid/small cap. It would make more sense if it were US mid/small cap - Vanguard Extended Market Index Fund...
by SpringMan
Sat May 14, 2016 12:58 pm
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6778

Re: Thinking about Mac (vs Windows)

I have used Dells all my life but will be switching to Mac when it is time to buy my next computer. Dell, as you know, is based in India and those guys over there completely stole all my personal information and have been calling me EVERYDAY saying I have a virus and need to grant them remote acces...
by SpringMan
Sat May 14, 2016 11:12 am
Forum: Personal Consumer Issues
Topic: Thinking about Mac (vs Windows)
Replies: 66
Views: 6778

Re: Thinking about Mac (vs Windows)

I have used Dells all my life but will be switching to Mac when it is time to buy my next computer. Dell, as you know, is based in India and those guys over there completely stole all my personal information and have been calling me EVERYDAY saying I have a virus and need to grant them remote acces...
by SpringMan
Sat May 14, 2016 9:16 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer doesn’t beat the market
Replies: 60
Views: 6165

Re: Jim Cramer doesn’t beat the market

I would not ever invest based on Jim Cramer's stock picking advice though I have heard him recommend the S&P500 index. Cramer did reassure me I on my decision to self insure with respect to Long Term Care insurance. His dad had LTC insurance prior to his passing. Jim Cramer did a rant on how he ...
by SpringMan
Fri May 13, 2016 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to transfer money to Vanguard???
Replies: 48
Views: 4733

Re: Is now a bad time to transfer money to Vanguard???

Even if you go to cash there is no reason not to transfer to Vanguard. Vanguard has money markets and short term bond funds. I would allocate similar to your current allocation held at the bad advisor assuming it was allocated to your satisfaction.. Oh, no! If it's bad, I just transferred money to ...
by SpringMan
Fri May 13, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Domestic Dividend Funds - VHDYX vs VDADX
Replies: 15
Views: 1102

Re: Vanguard Domestic Dividend Funds - VHDYX vs VDADX

VDADX is Dividend Appreciation Index Admiral and it expense ratio is only .09%. It only requires 10K as a minimum and is large blend. If you do not have 10K to invest VDAIX is the same only investor class shares with the .2% expense ratio. VHDYX only comes in investor class shares at .16% expense or...
by SpringMan
Fri May 13, 2016 12:18 pm
Forum: Personal Consumer Issues
Topic: Lock up your valuables
Replies: 20
Views: 1944

Re: Lock up your valuables

I'll have to remember this tip if I ever become wealthy enough to hire a maid and have valuables. :D My late father lived in a gated mobile home park in Florida. He had a maid that came one day a week to clean and do his laundry. He lived alone as this was after his wife passed. He paid the maid $2...
by SpringMan
Fri May 13, 2016 11:54 am
Forum: Investing - Help with Personal Investments
Topic: Is now a bad time to transfer money to Vanguard???
Replies: 48
Views: 4733

Re: Is now a bad time to transfer money to Vanguard???

Even if you go to cash there is no reason not to transfer to Vanguard. Vanguard has money markets and short term bond funds. I would allocate similar to your current allocation held at the bad advisor assuming it was allocated to your satisfaction..
by SpringMan
Fri May 13, 2016 11:32 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 48
Views: 4956

Re: Fidelity Spartan Funds - name changes

The email mentions new eligibility requirements for Advantage/Premium. I am calling Fidelity to find out if they bumped minimums back to 100K from 10K, Will update once I get off hold. Fidelity said minimum is still $10K for the Fidelity Premium (formerly Spartan Advantage). The eligibility require...
by SpringMan
Fri May 13, 2016 11:19 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 48
Views: 4956

Re: Fidelity Spartan Funds - name changes

The email mentions new eligibility requirements for Advantage/Premium. I am calling Fidelity to find out if they bumped minimums back to 100K from 10K, Will update once I get off hold.
by SpringMan
Fri May 13, 2016 10:43 am
Forum: Investing - Theory, News & General
Topic: Fidelity Spartan Funds - name changes
Replies: 48
Views: 4956

Fidelity Spartan funds are getting a new name

Because you're a shareholder in one or more Spartan® Index Funds as of March 1, 2016, we want to let you know about a couple of changes that have been approved by the funds' Board of Trustees. You don't need to take any action. Effective June 14, Fidelity will remove "Spartan" from the nam...
by SpringMan
Thu May 12, 2016 4:32 am
Forum: Investing - Theory, News & General
Topic: Morningstar X-Ray?
Replies: 6
Views: 1415

Re: Morningstar X-Ray?

If you create a login ID and password at T Rowe Price's website, you can access their free Morningstar tools. You don't need an actual account or any dollars invested to do this. You may need provide them with your email but they never spam you or sell your email.
by SpringMan
Wed May 11, 2016 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Index Fund VGHCX
Replies: 10
Views: 1540

Re: Vanguard Health Care Index Fund VGHCX

The index fund is made up of 100 percent domestic companies. The actively managed fund has some international companies.
by SpringMan
Wed May 11, 2016 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Index Fund VGHCX
Replies: 10
Views: 1540

Re: Vanguard Health Care Index Fund VGHCX

VGHCX is not a health care index fund, it is actively managed. If you want an index fund look at ETF VHT.
by SpringMan
Wed May 11, 2016 6:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Bond Fund Anomalous NAV behavior (VFIDX, VFSUX)
Replies: 6
Views: 1049

Re: Vanguard Bond Fund Anomalous NAV behavior (VFIDX, VFSUX)

You will get more replies if you use the names of the funds instead of, or in addition to, the ticker symbols. Not everyone memorizes the various Vanguard tickers. VFiDX is VG intermediate term investment grade bond fund admiral. VFSUX is VG short term investment grade bond fund admiral. It is easy...
by SpringMan
Wed May 11, 2016 2:30 pm
Forum: Personal Consumer Issues
Topic: When is cash better than plastic?
Replies: 74
Views: 6580

Re: When is cash better than plastic?

I have gone to an oral surgeon that gave 10% discount for cash. A check was counted the same as cash, 10% off the credit card cost.
by SpringMan
Wed May 11, 2016 5:11 am
Forum: Personal Consumer Issues
Topic: Is a home disaster looming? sump pump running constantly please help!
Replies: 46
Views: 4171

Re: Is a home disaster looming? sump pump running constantly please help!

I don't know where you are, but where I live we're not allowed to route drain water into the sewers. But from your pictures I'd say it's possible the water isn't going anywhere except running down the outside of the basement wall and sitting there. Try disconnecting the outside pipe from the in-gro...
by SpringMan
Tue May 10, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard advisor at 0.03% [actually 0.3%]
Replies: 53
Views: 7970

Re: Vanguard advisor at 0.03%

Has anyone had any experience with a Vanguard advisor?.... We had two conversations with Vanguard about PAS and decided against using it. We were looking to get both advice and money management for our Flagship accounts as we are both several years into retirement. We were not impressed once we got...
by SpringMan
Tue May 10, 2016 12:29 pm
Forum: Personal Consumer Issues
Topic: Any Woodturners?
Replies: 8
Views: 1235

Re: Any Woodturners?

My father had a wood lathe and used it for bowls, candle holders, table legs and the like. I inherited the lathe and a set various gouges that went with it. It sat in my basement for a couple years unused. Offered it to a friend of mine for free and it has sat in his basement unused ever since.
by SpringMan
Tue May 10, 2016 8:40 am
Forum: Investing - Help with Personal Investments
Topic: Does the Fixed Income 2 comma club exist?
Replies: 14
Views: 1305

Re: Does the Fixed Income 2 comma club exist?

At some point many have enough fixed income and/or so called mail box money (SS / pension /SPIA) to invest more aggressively for their heirs. At that point overall stock to bond ratio may be altered accordingly.
by SpringMan
Tue May 10, 2016 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Does the Fixed Income 2 comma club exist?
Replies: 14
Views: 1305

Re: Does the FI 2 comma club exist?

Duplicate post deleted.
by SpringMan
Tue May 10, 2016 8:10 am
Forum: Investing - Help with Personal Investments
Topic: Does the Fixed Income 2 comma club exist?
Replies: 14
Views: 1305

Re: Does the FI 2 comma club exist?

Stock (equity) to bond (fixed income) ratio should be based on ability and need to handle risk. The number of commas in your portfolio should not matter IMO. That said Warren Buffett can get away with any stock to bond ratio he so desires and still be fine :happy .
by SpringMan
Mon May 09, 2016 2:15 pm
Forum: Investing - Theory, News & General
Topic: Why invest in consumer defensive
Replies: 15
Views: 1368

Re: Why invest in consumer defensive

I would not use the mutual fund which commits $100,000 to the consumer staples sector. If I was so inclined to invest in this sector, I would use the ETF and commit less money.
by SpringMan
Mon May 09, 2016 9:45 am
Forum: Investing - Help with Personal Investments
Topic: Rollover from Fido --> VG: how much red tape is involved?
Replies: 11
Views: 792

Re: Rollover from Fido --> VG: how much red tape is involved?

In most cases it is simple. You log into vanguard, initiate a transfer, Print out the forms, sign and attach a recent fidelity account statement, mail it in. Wait a couple of weeks. Call if you have heard nothing and eventually you'll see the IRA in vanguard. Make sure you check they have done it r...
by SpringMan
Sun May 08, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Allocations - Need helping reviewing
Replies: 3
Views: 293

Re: Vanguard Allocations - Need helping reviewing

You have quite a few funds, 18 if I counted correctly. There is a lot of overlap. Why bother with VOO when you have VTI. REITs are part of stock market indexes. VBR if I recall is about 12% REITs. Your bond funds could be consolidated too.
by SpringMan
Sun May 08, 2016 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover from Fido --> VG: how much red tape is involved?
Replies: 11
Views: 792

Re: Rollover from Fido --> VG: how much red tape is involved?

I did this move a while back and it was simple. Vanguard pulled the necessary information from Fidelity. It is important that the account names on both sides match but middle initial vs middle name would not be an issue. Fidelity charged us $50 per account closing fee. Vanguard won't reimburse this ...
by SpringMan
Fri May 06, 2016 11:03 am
Forum: Investing - Theory, News & General
Topic: Retirees: Who's not changing their AA, ever?
Replies: 46
Views: 3822

Re: Retirees: Who's not changing their AA, ever?

I have learned to never say never but we have maintained a 40/60 for the last few years. Both of us will be 69 this summer. RMDs are coming up soon. It remains to be seen how we handle them. One option is VG Tax Managed Balanced fund which is 50/50 or could look at a state specific municipal bond fu...
by SpringMan
Wed May 04, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard
Replies: 89
Views: 6631

Re: Fidelity or Vanguard

The whole buy VAnguard because you will be an owner is absolutely "hooey." They have good funds but their customers reps do not treat you like an owner let alone a valued customer. I use both Vanguard and Fidelity because they have good low cost index funds. Fidelity does not pressure its...
by SpringMan
Wed May 04, 2016 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Puritan fund recent changes
Replies: 6
Views: 669

Re: Puritan fund recent changes

At Fidelity you can roll your own cheap balanced index fund using two Spartan funds, US Bond and Total Stock Market (or S&P 500). Vanguard Balanced Index fund would cost you $75 to purchase at Fidelity. Another option is Fidelity Balanced fund which is actively managed and very similar to Purita...
by SpringMan
Mon May 02, 2016 9:12 am
Forum: Personal Finance (Not Investing)
Topic: Couples: Are you and your significant other on the same page financially?
Replies: 65
Views: 5776

Re: Couples: Are you and your significant other on the same page financially?

Yes on living frugal, that is either at or below our means. No on investing interest. She couldn't tell you what our portfolio is invested in even though I have provided her access to a spreadsheet with all the pertinent info, websites, phone numbers etc. She totally delegates that stuff to me. I ha...
by SpringMan
Sun May 01, 2016 7:54 pm
Forum: Personal Consumer Issues
Topic: Any Jeep auto buyers recently
Replies: 10
Views: 1261

Re: Any Jeep auto buyers recently

I would get it with 4 wheel drive. Arizona has plenty of unimproved roads. Resale will be better too.
by SpringMan
Sat Apr 30, 2016 8:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 134
Views: 9539

Re: Is Vanguard phone support always this bad?

Vanguard just lowered expense ratios on several more of their funds. Expecting customer service to be as good as much more expensive firms may be unrealistic. IMO customer service is good enough that I won't be leaving Vanguard for better customer service at a higher cost firm. Furthermore, even hig...
by SpringMan
Fri Apr 29, 2016 11:17 am
Forum: Personal Finance (Not Investing)
Topic: 29 yo and married: Do I need a will and/or trust?
Replies: 10
Views: 972

Re: 29 yo and married: Do I need a will and/or trust?

Not needed so much for money but needed to designate guardians for your potential minor children. Otherwise your state will decide this should you and your spouse meet your demise. Retirement accounts with beneficiaries would not need a will or trust. Real estate and taxable accounts would likely be...
by SpringMan
Fri Apr 29, 2016 11:05 am
Forum: Investing - Theory, News & General
Topic: International Funds Worth it?
Replies: 52
Views: 5806

Re: International Funds Worth it?

We are under weight in Foreign equities with 18% of equities being foreign. Keeping what we have but will not be adding. Recency bias maybe, but I don't like commodities either.
by SpringMan
Thu Apr 28, 2016 5:20 am
Forum: Personal Consumer Issues
Topic: Netflix, Your Current Favorite Show
Replies: 185
Views: 16541

Re: Netflix, Your Current Favorite Show

I can recommend "The Guardian" there are 3 seasons, 22 episodes per season, on Amazon free with Prime. It is about lawyers, almost as good as "The Good Wife" my favorite lawyer show.
http://www.imdb.com/title/tt0285370/
by SpringMan
Thu Apr 28, 2016 5:00 am
Forum: Investing - Help with Personal Investments
Topic: if you HAD to pick 2 actively managed funds???
Replies: 45
Views: 3256

Re: if you HAD to pick 2 actively managed funds???

Are you sure you mean active managed? E.g. vanguard healthcare follows an index. There are two different Vanguard Healthcare funds, VGHCX investor/VGHAX admiral are actively managed. The passive index fund is ETF VHT and also available in admiral share class VHCIX. VHCIX admiral mutual fund has a 1...
by SpringMan
Wed Apr 27, 2016 5:01 pm
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 2139

Re: Handling RMDs

Granted there is a scenario that can be drummed up where a Roth is not as good as a taxable account. If your Roth loses money it too bad, so sad, but if your taxable account loses money, Uncle Sam can share some of your losses. This is not the case I had in mind above.
by SpringMan
Wed Apr 27, 2016 4:39 pm
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 2139

Re: Handling RMDs

The question is not is there any benefit to converting to Roth vs not converting but rather is there any benefit to taking a taxable withdrawal vs converting the same amount to a Roth. There is because the Roth is not subject to future dividends and capital gains, the taxable account is. Springman,...
by SpringMan
Wed Apr 27, 2016 4:35 pm
Forum: Investing - Theory, News & General
Topic: Handling RMDs
Replies: 31
Views: 2139

Re: Handling RMDs

The question is not is there any benefit to converting to Roth vs not converting but rather is there any benefit to taking a taxable withdrawal vs converting the same amount to a Roth. There is because the Roth is not subject to future dividends and capital gains, the taxable account is. "Your...
by SpringMan
Wed Apr 27, 2016 11:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard Manager Changes
Replies: 9
Views: 1010

Re: Vanguard Manager Changes

Since these managers are managing index funds, all we have to worry about is tracking error. Manager changes are more pertinent with actively managed funds.

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