Search found 4835 matches

by SpringMan
Mon Feb 08, 2016 11:38 am
Forum: Investing - Theory, News & General
Topic: Jim Cramer
Replies: 21
Views: 2126

Re: Jim Cramer

Cramer is not allowed to buy individual stocks as a CNBC talking head. He does have a charitable trust which can. He probably can identify more stock ticker symbols than Bogleheads. I doubt he has any secret sauce.
by SpringMan
Sat Feb 06, 2016 1:12 pm
Forum: Investing - Theory, News & General
Topic: Is there a rule of thumb for 50/50 Total Stock/Total Bond
Replies: 22
Views: 2375

Re: Is there a rule of thumb for 50/50 Total Stock/Total Bond

For what it is worth, Paul Merriman's personal portfolio is 50 stock/50 bond. I think he is 72 years old. Also his portfolio is not a simple two fund, total stock, total bond. His passive portfolio recommendations are here- http://paulmerriman.com/pauls-mutual-fund-recommendations/ He also delegates...
by SpringMan
Sat Feb 06, 2016 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Please share examples where earning an extra $1 can cost more in taxes than income.
Replies: 47
Views: 5234

Re: Please share examples where earning an extra $1 can cost more in taxes than income.

If you are .01 away from the 25% tax bracket before converting a traditional IRA to a Roth then you will be paying 25% on the entire conversion amount. IMO paying 25% instead of 15% (or 28% instead of 25%, 33% instead of 28%, etc etc) is painful, especially if the IRA is large. It is very good advi...
by SpringMan
Sat Feb 06, 2016 11:01 am
Forum: Investing - Help with Personal Investments
Topic: difference between two vanguard funds and more
Replies: 10
Views: 661

Re: difference between two vanguard funds and more

Another advantage of rolling your IRA into your 401(k) would be if any time in the future you plan to do a backdoor Roth. Having IRAs can complicate the process. Also in some circumstances 401(k)s are more protected from lawsuits than IRAs, varies by state. Finally there are different rules for with...
by SpringMan
Sat Feb 06, 2016 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Please share examples where earning an extra $1 can cost more in taxes than income.
Replies: 47
Views: 5234

Re: Please share examples where earning an extra $1 can cost more in taxes than income.

I know there are exceptions but I never quite understood the commonly given advice to carefully watch going into a higher tax bracket. Isn't it true that the more you make the more you get with exceptions, many of which are pointed out in this thread. Only the dollars earned above the previous tax b...
by SpringMan
Sat Feb 06, 2016 10:31 am
Forum: Personal Consumer Issues
Topic: Do you download software or use a DVD drive?
Replies: 24
Views: 965

Re: Do you download software or use a DVD drive?

Generally I download but purchased an optical disk for TurboTax this year. TurboTax updates are still downloaded.
by SpringMan
Thu Feb 04, 2016 1:55 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you retire
Replies: 84
Views: 6404

Re: What age did you retire

I was at 57 years and 8 months when I retired. It was not my choice, I was laid off. I admit I made only a half hearted effort to find another job while I collected unemployment insurance for 6 months. I was fortunate that my wife's low paying job offered excellent health insurance for the two of us...
by SpringMan
Thu Feb 04, 2016 12:55 pm
Forum: Investing - Help with Personal Investments
Topic: Wellesley and Wellington instead of VTINX?
Replies: 15
Views: 1443

Re: Wellesley and Wellington instead of VTINX?

VTINX, Target Retirement Income, is allocated 30/70. 50% Wellesley Income and 50% Wellington would be allocated 50/50. So this is not an apples to apples comparison. 100% Wellesley Income by itself at 35/65 is a closer match. IMO there is nothing wrong with using Wellesley Income in a tax advantaged...
by SpringMan
Thu Feb 04, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds not to buy according to this article
Replies: 19
Views: 2871

Re: Vanguard funds not to buy according to this article

Vanguard Star Fund contains three of these funds, Windsor II, Explorer, and Morgan Growth. Star is a popular beginner's fund because of its $1,000 minimum. Star used to be dissed because Vanguard US Growth fund was a component. I don't own Star fund personally but still have a favorable view of it a...
by SpringMan
Wed Feb 03, 2016 12:26 pm
Forum: Personal Consumer Issues
Topic: How to stop MS loading Windows 10?
Replies: 32
Views: 2492

Re: How to stop MS loading Windows 10?

Wow, more problems! For 7 years we are running happily a DELL desktop computer with Intel Core 2 w/Quad Core, etc., but with Vista. So I read at MS that loading Windows 7 would be not difficult. Elsewhere I read that Windows 7 would last perhaps another 4 years, and then we have to buy a new comput...
by SpringMan
Tue Feb 02, 2016 12:03 pm
Forum: Investing - Theory, News & General
Topic: Charles Ellis' suggested portfolios by age
Replies: 53
Views: 4046

Re: Investing Gems by Charles Ellis

stemiker: Charles Ellis is one of my investing heroes. These are "Investment Gems" taken from his book, Winning The Loser's Game: "Any guy who dies with more than $10 grand has made a mistake." (Errol Flynn quote) " Best wishes Taylor Hmm, not much of a gem, IMHO. Perhaps E...
by SpringMan
Sun Jan 31, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Changeing auto-reinvest Dividends Q?
Replies: 14
Views: 891

Re: Changeing auto-reinvest Dividends Q?

Toons wrote:Only time IRA might trigger a taxable event is when you withdraw money. :happy

Or when you convert some or all of it to a Roth IRA.
by SpringMan
Sat Jan 30, 2016 12:42 pm
Forum: Investing - Help with Personal Investments
Topic: VGHAX to VHT -- a wash?
Replies: 5
Views: 352

Re: VGHAX to VHT -- a wash?

In the unlikely event that you are audited, you would have a valid argument to defend yourself. I think BitDude's point is the IRS would not see a match between the ticker symbols so it would not be very simple to flag. That would the case between investor shares, admiral shares and ETF shares of th...
by SpringMan
Sat Jan 30, 2016 12:29 pm
Forum: Investing - Help with Personal Investments
Topic: Life Strategy Growth VASGX & Target Retirement 2035 VTTHX for IRA's
Replies: 11
Views: 1675

Re: Vanguard Lifestrategy vs Target Fund

Target Retirement Income, VTINX, has no glide path. It is a constant 30/70. It splits the difference between LifeStrategy Conservative 40/60 and LifeStrategy Income 20/80. VTINX has some Vanguard Short Term TIPS fund allocation, the LifeStrategy do not.
by SpringMan
Sat Jan 30, 2016 12:12 pm
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 85
Views: 676

Re: Vanguard Login

Sounds like you are using 2 factor authentication which is a good idea. I have been on the site with no problems today, bond funds have been updated. However, I am not using 2 factor, my bad.
edit: you are not alone. viewtopic.php?f=1&t=183419&newpost=2781308
by SpringMan
Fri Jan 29, 2016 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: EJones Advisor wants to talk!
Replies: 84
Views: 6252

Re: EJones Advisor wants to talk!

Be prepared to be charged for an account closure fee. It is worth every penny to be free from EJ.
by SpringMan
Fri Jan 29, 2016 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: VGHAX to VHT -- a wash?
Replies: 5
Views: 352

Re: VGHAX to VHT -- a wash?

Since VHT is all domestic companies and VGHAX has both domestic and foreign companies, I would say it would not be a wash. Also VHT tracks an index and VGHAX is actively managed.
by SpringMan
Fri Jan 29, 2016 1:52 pm
Forum: Personal Consumer Issues
Topic: Yahoo Finance Alternative Wanted
Replies: 4
Views: 495

Re: Yahoo Finance Alternative Wanted

I have noticed Portfolios have frequently been giving an error message recently in yahoo finance. Reported the bug and it was fixed but back again the next day when they asked me to take a survey about their customer service which I declined. I created portfolios in google finance but what I did not...
by SpringMan
Wed Jan 27, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: I think MacBook Air has a "bug"
Replies: 32
Views: 2172

Re: I think MacBook Air has a "bug"

If an operating system can get in a state requiring a reboot to recover, that's actually a very serious bug. There are operating systems that run for years at a time without ever needing to be rebooted other than when explicitly scheduled for upgrades. It does not have to be a bug in the operating ...
by SpringMan
Wed Jan 27, 2016 8:51 am
Forum: Personal Consumer Issues
Topic: I think MacBook Air has a "bug"
Replies: 32
Views: 2172

Re: I think MacBook Air has a "bug"

deleted.
by SpringMan
Tue Jan 26, 2016 5:33 pm
Forum: Investing - Theory, News & General
Topic: What is your favorite Financial Quote or Metaphor??
Replies: 179
Views: 9371

Re: What is your favorite Financial Quote or Metaphor??

Talk is cheap but it takes money to buy good whisky.
by SpringMan
Tue Jan 26, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 4054

Re: VFIDX up .83% in one day?

This kind of pricing error where it is incorrect one day and fixed the next is concerning. It introduces luck into investing. Just luck if you happen to sell when the price was incorrectly priced up or lack of luck if you happened to buy. I have seen this happen more often at Fidelity than Vanguard....
by SpringMan
Mon Jan 25, 2016 10:00 am
Forum: Investing - Theory, News & General
Topic: Rebalancing, another study
Replies: 109
Views: 8196

Re: Rebalancing, another study

Livesoft, Thanks for the link. It has me rethinking my automatically reinvested distributions. I automatically reinvest in tax advantaged accounts and take taxable distributions to MM settlement. It may make good sense to use the distributions toward rebalancing. I have read that a rule of thumb for...
by SpringMan
Sun Jan 24, 2016 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: Downturn in the Market
Replies: 33
Views: 3052

Re: Downturn in the Market

I am just the opposite. I see a great buying opportunity. I didn't buy anything on Friday, but in the past two weeks I moved a mid-6-figure amount from bonds into equities. Friday was the highest one-day gain that my portfolio has ever had. Sure, things may go down on Monday, but when I see somethi...
by SpringMan
Sun Jan 24, 2016 12:50 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9100

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

Has the FIL helped his daughter financially in the past? Maybe paying for her education directly of funding a 529 plan. Is he planning on funding a big wedding ceremony? Has he been generous in other ways? If so or even if not so, it is likely best for the OP not to confront his FIL or fiance on her...
by SpringMan
Sun Jan 24, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: How to move stocks to brokerage account
Replies: 10
Views: 947

Re: How to move stocks to brokerage account

In the old days there were stock certificates. Do you have stock certificates? If so, you should be able to drop by a brick and mortar low cost investment firm and drop them off for deposit in your account. If you don't have an account, you can open one. Alternatively, if your current account has no...
by SpringMan
Sun Jan 24, 2016 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Think my future father in law is giving the wrong advice to my fiance..what should i do?
Replies: 111
Views: 9100

Re: Think my future father in law is giving the wrong advice to my fiance..what should i do?

She's twenty-nine years old. What are you and her father doing messing around in her account. She should run immediately to the computer and change her password, and not tell it to either of you. Then she can listen to both of you if she wants to, read, and make up her own mind. +1. I don't see how...
by SpringMan
Sun Jan 24, 2016 11:25 am
Forum: Investing - Help with Personal Investments
Topic: What Funds To Move To Roth - Checking In After Four Years
Replies: 14
Views: 1282

Re: What Funds To Move To Roth - Checking In After Four Years

If you lose money in your Roth it comes out of your pocket directly. If you lose money in a taxable account Uncle Sam shares your loss. Even in a traditional IRA Uncle Sam shares some of your loss since withdrawal is taxed as ordinary income. This is why I like some fixed income/bonds in our Roths. ...
by SpringMan
Sun Jan 24, 2016 9:22 am
Forum: Investing - Help with Personal Investments
Topic: How often can I switch funds within IRA?
Replies: 10
Views: 930

Re: How often can I switch funds within IRA?

Vanguard does not have redemption fees on its open-ended mutual funds. They limit buying back the same fund you sold in the same account for 60 days either online or by phone. Written requests (snail mail) are still allowed and will be processed. Non Vanguard funds purchased through VBS are subject ...
by SpringMan
Sun Jan 24, 2016 9:00 am
Forum: Personal Consumer Issues
Topic: What 55" TV to Buy
Replies: 51
Views: 3330

Re: What 55" TV to Buy

We have a four year old Sharp 55 inch 1080p that has been absolutely fine. If I were going to replace it, in addition to 4K, I would want HDR. According to the recent CES show the standards have been finalized and TVs adhering to the new standards should be available by Spring this year. Though ther...
by SpringMan
Sun Jan 24, 2016 8:36 am
Forum: Investing - Theory, News & General
Topic: Podcasts - financial
Replies: 14
Views: 1161

Re: Podcasts - financial

Previous threads on this here. https://www.bogleheads.org/forum/viewtopic.php?t=151939 https://www.bogleheads.org/forum/viewtopic.php?t=162349 https://www.bogleheads.org/forum/viewtopic.php?t=103024 https://www.bogleheads.org/forum/viewtopic.php?t=83108 and from wiki. https://www.bogleheads.org/wiki...
by SpringMan
Sat Jan 23, 2016 9:04 am
Forum: Investing - Theory, News & General
Topic: VFIDX up .83% in one day?
Replies: 41
Views: 4054

Re: VFIDX up .83% in one day?

I had the same question as an owner of VFIDX. Makes me wonder if it was a pricing error. I kept checking a variety of sites and it was not revised. As the OP stated, it is nothing to complain about. It is still a mystery, maybe it will drop Monday to average out.
by SpringMan
Fri Jan 22, 2016 10:19 am
Forum: Investing - Help with Personal Investments
Topic: Worth it to get advice from Fidelity?
Replies: 24
Views: 1207

Re: Worth it to get advice from Fidelity?

I am always interested in second opinions and free is the right price. I don't see what harm can be done on a phone interview. You can listen but don't have to act. Back in 2004, when I retired at age 57, I had a Fidelity retirement planner look at my retirement portfolio and run various simulations...
by SpringMan
Thu Jan 21, 2016 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account Bugs in Roth Conversion
Replies: 4
Views: 234

Re: Brokerage Account Bugs in Roth Conversion

I could convert in dollars in the past so this is lost functionality which I consider a bug. Especially don't like entering dollar amounts and fund in the source screen and having it completely ignored when entering Roth conversion in the target screen. Also, in the old system you could select sourc...
by SpringMan
Thu Jan 21, 2016 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Brokerage Account Bugs in Roth Conversion
Replies: 4
Views: 234

Brokerage Account Bugs in Roth Conversion

My accounts have recently been converted to VBS accounts. Today I tried to convert $20K of VFSUX (short term investment grade bond) from my tIRA to my Roth IRA. Under Buy/Sell in the tIRA as the source I selected exchange, VFSUX, and $20K and continue. As the target I selected the Roth IRA. It broug...
by SpringMan
Thu Jan 21, 2016 7:41 am
Forum: Personal Consumer Issues
Topic: Vanguard Store Items
Replies: 51
Views: 3597

Re: Vanguard Store Items

A while back I ordered two cups, two ball cap hats, and a T-shirt (Retiree in Training). Don't count on this but in my case Vanguard never billed us. :happy
by SpringMan
Tue Jan 19, 2016 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones or Vanguard?
Replies: 53
Views: 4592

Re: Edward Jones or Vanguard?

RUN, don't walk, from Edward Jones. This would be my advice if the OP was talking about his own account. Since it is the MIL's account, problems could crop up . I had my late father switch from John Hancock to Vanguard right before the dot com tech crash. He got frustrated a bailed out at the botto...
by SpringMan
Tue Jan 19, 2016 10:03 am
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3647

Re: "Do You Need to Diversify by Fund Company?"

I can see the point of diversifying companies if 100% of your assets are held by one company, if a person absolutely needs withdrawal transactions to meet day to day living expenses. For people like myself where day to day expenses are met with bank checking and savings accounts, there is little wor...
by SpringMan
Mon Jan 18, 2016 5:24 pm
Forum: Investing - Theory, News & General
Topic: "Do You Need to Diversify by Fund Company?"
Replies: 51
Views: 3647

Re: "Do You Need to Diversify by Fund Company?"

Adam Bold's Mutual Fund Show often says no one mutual fund family has a lock on all the best mutual funds. He uses that as one reason he dislikes target retirement funds, because all the sub-funds are from the same fund family. He even says this about Vanguard's target retirement funds. I could agre...
by SpringMan
Sun Jan 17, 2016 5:51 pm
Forum: Personal Consumer Issues
Topic: Bank of America disses older clients
Replies: 24
Views: 2501

Re: Bank of America disses older clients

Maybe you should talk with your feet and run away from Bank of America which is one of Clark Howard's Monster Mega-banks.
by SpringMan
Sun Jan 17, 2016 1:02 pm
Forum: Personal Consumer Issues
Topic: Strange Odor from Cold Water Only
Replies: 23
Views: 1498

Re: Strange Odor from Cold Water Only

Do you live in Flint Michigan? Our governor and his emergency manager have poisoned the water there by switching from Detroit water to Flint river water. After they disparaged the EPA representative's findings and tried to do a cover up, the situation has finally hit the fan and FEMA has been called...
by SpringMan
Sun Jan 17, 2016 10:05 am
Forum: Investing - Help with Personal Investments
Topic: What is your action plan?
Replies: 43
Views: 2473

Re: What is your action plan?

My plan is to sit tight and do nothing different than usual. It is okay to do rebalancing and tax loss harvesting. I recently watched a Fidelity webinar and could not believe the all the pessimism. They recommended investors play defense. Defensive to them includes things like going to cash, shortin...
by SpringMan
Sun Jan 17, 2016 9:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Global Balanced Index Fund
Replies: 10
Views: 1330

Re: Vanguard Global Balanced Index Fund

Maybe the OP wants a fund that is not a "fund of funds". That would open up the possibility of admiral shares and allow for foreign tax credit if held in a taxable account.
by SpringMan
Sat Jan 16, 2016 9:55 am
Forum: Investing - Help with Personal Investments
Topic: Buying same ETF across multiple brokerages?
Replies: 18
Views: 902

Re: Buying same ETF across multiple brokerages?

OTOH, think of the advantages of avoiding free-riding and free-trade restrictions. For instance, buy 10,000 shares of VSS in your TDAmeritrade account today and then on Tuesday after it goes up $2 a share, sell 10,000 shares of VSS in your WellsFargo account. You didn't even have to wait for the TD...
by SpringMan
Tue Jan 12, 2016 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Small-Cap Value (VSIAX) -> TLH partner
Replies: 13
Views: 813

Re: Vanguard Small-Cap Value (VSIAX) -> TLH partner

Your choice is fine. Another good choice in the Vanguard family would be VTMSX, Vanguard Tax Managed Small Cap fund.
by SpringMan
Tue Jan 12, 2016 4:23 am
Forum: Investing - Help with Personal Investments
Topic: CNBC's "Fast Money"
Replies: 14
Views: 2919

Re: CNBC's "Fast Money"

I don't know how everyone else feels but I am getting weary of the Najarian twins ad for their book on how they trade options.The first 250 callers get a free copy. The ad has been running over a year and apparently they still haven't had 250 callers. It is getting long in the tooth. In general, I f...
by SpringMan
Sun Jan 10, 2016 9:52 am
Forum: Investing - Help with Personal Investments
Topic: TLH from VFWAX to VTSAX
Replies: 6
Views: 460

Re: TLH from VFWAX to VTSAX

For what is is worth I did much the same thing. I tax loss harvested VFWAX to VLACX (Large Cap Index). I would have used VTSAX like you but already had a position in VLACX and did not want to add an extra fund to an already complex portfolio. I admit to having recency bias but am reducing my interna...
by SpringMan
Sat Jan 09, 2016 5:00 pm
Forum: Investing - Theory, News & General
Topic: Is BNDX (total international bond) and its utilization in target date funds terrible?
Replies: 35
Views: 1741

Re: Is BNDX (total international bond) and its utilization in target date funds terrible?

Another reason not to use BNDX in my opinion is you already have exposure to international bonds in Vanguard's domestic bond funds and hybrid funds as below: Vanguard Bond Fund % US VBILX Intermediate index 87.41 VBTLX Total Bond index 90.40 VFSUX Short Term Invest grade 75.89 VSCSX Short Term Corp ...
by SpringMan
Sat Jan 09, 2016 4:33 pm
Forum: Investing - Theory, News & General
Topic: I'm curious if over-weighting equity investors still ok?
Replies: 92
Views: 6560

Re: I'm curious if over-weighting equity investors still ok?

I am 58% (age -10) in bonds and staying the course as far as equity/bond ratio is concerned. I have lightened up on international, tax loss harvesting VFWAX into VLACX (FTSE All World-US Index into Large Cap Index).
by SpringMan
Fri Jan 08, 2016 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard fee to buy backdoor Roth?
Replies: 24
Views: 1321

Re: Vanguard fee to buy backdoor Roth?

Vanguard's Fee Schedule https://personal.vanguard.com/us/whatweoffer/stocksbondscds/feescommissions Thanks! I'm just wondering if other Bogleheads have experienced these fees. If I'm interpreting the fee schedule correctly, Vanguard ETFs trade for free, but do mutual funds fall under "stocks&q...

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