Search found 112 matches

by Tommy
Wed Jul 26, 2017 9:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's Global Wellesley Income and Global Wellington Funds in registration
Replies: 11
Views: 1126

Re: Vanguard's Global Wellesley Income and Global Wellington Funds in registration

Are those funds will replace existing or they are addition? Not clear why create 2 new funds with more international exposure, why not add more international to existing?
by Tommy
Mon Jul 17, 2017 10:15 pm
Forum: Investing - Theory, News & General
Topic: Active Manager Uses Lessons From Vanguard to Resist Passive
Replies: 21
Views: 2520

Re: Active Manager Uses Lessons From Vanguard to Resist Passive

8000 stocks better than 1300..Sure, but S&P 500 only 500; Performance wise S&P and TSM pretty similar. So, broad diversification probably makes difference, but on very long run...50 years or so..Don't get me wrong, I'm not against broad diversification, quite opposite, but let's not go overb...
by Tommy
Mon Jul 17, 2017 9:35 am
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3615

Re: Buckley will succeed McNab as Vanguard CEO at year end

... Unfortunately, not many companies today understand value of test and, even who understands does not have right test team. One time when such things still were an issue I had to write a formal waiver and get it approved, that is to say physically signed by the next two higher levels of managemen...
by Tommy
Sun Jul 16, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Buckley will succeed McNab as Vanguard CEO at year end
Replies: 32
Views: 3615

Re: Buckley will succeed McNab as Vanguard CEO at year end

I'm hoping the new CEO understands the need for a strong Quality Assurance team to ensure this complex software maze of: - design - development - test (verification and validation) - compliance - configuration management - maintenance (bug fixes, revision control, etc.) keeps all of these moving pa...
by Tommy
Thu Jun 29, 2017 10:44 am
Forum: Investing - Theory, News & General
Topic: [2017 Health Savings Account Landscape] via Morningstar
Replies: 15
Views: 1692

Re: [2017 Health Savings Account Landscape] via Morningstar

Actually document says that for Optum Bank fee is $2.75 for accounts with less than 3000 balance. In fact fee is $3 for accounts less than $5000.. When I see errors like this, I completely lose trust in such research. maybe just un-updated rather than mistaken information? I have Optum account (fro...
by Tommy
Wed Jun 28, 2017 10:37 pm
Forum: Investing - Theory, News & General
Topic: Bad year for Wellington?
Replies: 10
Views: 2277

Bad year for Wellington?

One of my favorite funds and I'm pretty happy with it performance, but noticed that this year Wellington doing worse that some similar funds. According to M*Wellington YTD 6.66%, while STAR (kinda similar 60/40) 10.25% and LS Moderate Growth 8.05%. I understand that at one point Wellington will unde...
by Tommy
Wed Jun 28, 2017 10:25 pm
Forum: Investing - Theory, News & General
Topic: [2017 Health Savings Account Landscape] via Morningstar
Replies: 15
Views: 1692

Re: [2017 Health Savings Account Landscape] via Morningstar

Actually document says that for Optum Bank fee is $2.75 for accounts with less than 3000 balance. In fact fee is $3 for accounts less than $5000.. When I see errors like this, I completely lose trust in such research.
by Tommy
Thu Jun 22, 2017 10:06 pm
Forum: Investing - Theory, News & General
Topic: Costco vs. Amazon - Thoughts of Prime Members?
Replies: 80
Views: 8487

Re: Costco vs. Amazon - Thoughts of Prime Members?

I like Costco but it is not a cheap place as it used to be. Each shopping in Costco it is about $200, and it is not that you bought a lot...In many cases I just don't need such a big package as they have. Shopping in Costco it's some kind of entertainment - you looking for parking, you trying sample...
by Tommy
Wed Jun 21, 2017 10:36 pm
Forum: Personal Consumer Issues
Topic: which IPAD?
Replies: 48
Views: 3590

Re: which IPAD?

I've had my iPad 2 (32gb wifi) since 2011 and have used it pretty much every day. Amazing it has lasted that long but needless to say it's ready to be replaced. I placed an order for the iPad Pro 10.5" 256gb wifi model from B&H Photo. It's not in stock yet but hopefully will be soon. No sa...
by Tommy
Sun May 14, 2017 7:32 pm
Forum: Investing - Theory, News & General
Topic: Anyone use Python to analyze their finances?
Replies: 40
Views: 6206

Re: Anyone use Python to analyze their finances?

Aren't those things contradict each other? One is that past performance not guarantee future results and in the the same time complex portfolio analysis trying to make predictions. If you cannot relay on the past for some reason no point trying to predict because prediction based on the past data an...
by Tommy
Fri Apr 28, 2017 8:55 pm
Forum: Personal Finance (Not Investing)
Topic: Account Aggregation tools?
Replies: 24
Views: 2634

Re: Account Aggregation tools?

MikeG62 wrote:I use Fidelity Investment's FullView aggregator. I've been using it for years and never had an issue.

+ 1
by Tommy
Fri Apr 28, 2017 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Is now a good time to invest?
Replies: 10
Views: 882

Re: Is now a good time to invest?

But you are selling high too..Yes, if market continue to climb and there are couple days delay between sell and buy...technically you can lose some money
by Tommy
Wed Apr 19, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Buy new house in Seattle area?
Replies: 20
Views: 2123

Re: Buy new house in Seattle area?

I live in the area and honestly I have some concerns - they building houses everywhere, destroying green belts and putting houses, very big houses - 3-4000 sq.f, very small property, houses close to each other. Prices around 1M. In the same time there are no new roads, commute that took me 20 min 10...
by Tommy
Sun Apr 16, 2017 9:06 pm
Forum: Investing - Theory, News & General
Topic: Is there any reason a buy-and-hold investor would buy gold?
Replies: 121
Views: 7221

Re: Is there any reason a buy-and-hold investor would buy gold?

I don't think that in history of mankind there were people who lost money by holding gold. Some lost life..My grandfather was buying gold (mind you it was illegal in Soviet Union). My father had faith in government bonds. Soviet of course...Well, after Soviet Union collapsed all government bonds wha...
by Tommy
Tue Mar 21, 2017 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 3065

Re: Long term unemployment planning

Basically I'm facing the same issue - 57.5 yo, laid off from tech industry, sending resume and getting no reply. In my case I need 3 years to pay off house, 7 years to get Medicaid. So, will do any job that allow me not to touch investments (taxable and not taxable) for the next 7 years and hope th...
by Tommy
Tue Mar 21, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: Long term unemployment planning
Replies: 61
Views: 3065

Re: Long term unemployment planning

Basically I'm facing the same issue - 57.5 yo, laid off from tech industry, sending resume and getting no reply. In my case I need 3 years to pay off house, 7 years to get Medicaid. So, will do any job that allow me not to touch investments (taxable and not taxable) for the next 7 years and hope the...
by Tommy
Sun Mar 05, 2017 6:12 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12191

Re: Just laid off - what to do

In case of COBRA or ACA - are they tax-deductible?
by Tommy
Sun Mar 05, 2017 5:08 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12191

Re: Just laid off - what to do

Biggest expense will be Cobra - $1700 per month. You should at least look at ACA coverage and compare it to COBRA. I paid for COBRA for 18 months and then switched to ACA coverage when it expired and wish that I had signed up for ACA right off the bat as it has been significantly less expensive. If...
by Tommy
Sun Mar 05, 2017 4:17 pm
Forum: Personal Finance (Not Investing)
Topic: Just laid off - what to do
Replies: 76
Views: 12191

Re: Just laid off - what to do

Sorry for using the same thread but I'm in the same boat. Got laid off on Tuesday. In my case it absolutely clear age discrimination - I'm oldest in the group (57.5) and they have picked only me, but it will be hard to proof since lay off happened in multiple offices and HR says there are people you...
by Tommy
Sun Feb 26, 2017 10:56 pm
Forum: Personal Finance (Not Investing)
Topic: 5498-SA - Help
Replies: 2
Views: 185

Re: 5498-SA - Help

FiveK wrote:Perhaps Where do I enter Form 5498-SA? - TurboTax Support might be useful.

got it, thanks!
by Tommy
Sun Feb 26, 2017 10:53 pm
Forum: Personal Finance (Not Investing)
Topic: 5498-SA - Help
Replies: 2
Views: 185

5498-SA - Help

I got form 1099-SA (HSA) and form 5498-SA. I'm using TurboTax and cannot find place where to enter 5498-SA, option only for 1099-SA. What is this form and where I supposed to enter it?
by Tommy
Fri Feb 03, 2017 10:01 pm
Forum: Investing - Help with Personal Investments
Topic: All investments with Vanguard - Should I diversify
Replies: 19
Views: 2093

Re: All investments with Vanguard - Should I diversify

Based on my experience, if fund family goes down, you are not losing your money. I used to have Roth in Strong funds, after Strong disappeared all my investment moved to Wells Fargo, so technically I didn't lose anything
by Tommy
Sun Jan 29, 2017 5:24 pm
Forum: Personal Finance (Not Investing)
Topic: 17 yo 1040EZ question
Replies: 2
Views: 429

17 yo 1040EZ question

My 17 yo daughter has part time job and earned some money the last year. Her employer withdrew taxes and now she needs to fill out 1040EZ to get those taxes back. I see in this form question if anybody claim her as depended. Theoretically we (my wife and me)are claiming her as depended, although we ...
by Tommy
Fri Jan 27, 2017 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: Reached a milestone: $500K in Retirement Accounts
Replies: 44
Views: 6486

Re: Reached a milestone: $500K in Retirement Accounts

Few days ago my wife & I reached a financial milestone that would not be appropriate to share with family & friends. We have $500,000 in our retirement accounts. I fully understand what a market fluctuation will do, but I just wanted to share the news. My wife & I are both 42 years old....
by Tommy
Sat Jan 07, 2017 10:50 pm
Forum: Investing - Theory, News & General
Topic: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever
Replies: 7
Views: 2515

Re: Kiplinger's 6 Vanguard Index Funds to Buy and Hold Forever

Hiker-Biker wrote:I looked at the article and I'm wondering where the VG S&P 400 Mid-cap ETF, symbol IVOO, comes from. The VG site only lists the Mid-cap ETF, symbol VO. What am I missing?

https://personal.vanguard.com/us/funds/ ... undId=3342
by Tommy
Mon Dec 26, 2016 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: Your Retirement Number, or, calculating the funding ratio
Replies: 196
Views: 26345

Re: Your Retirement Number, or, calculating the funding ratio

He might compute the PV of $44,000 starting when he retires in 12 years and continuing for the rest of his life, which he estimates to last 22 years from retirement. He would have at least two issues - what discount rate to use and what happens if he outlives his life expectancy. BobK This is what ...
by Tommy
Sun Dec 18, 2016 12:23 am
Forum: Personal Finance (Not Investing)
Topic: Earthquake insurance
Replies: 12
Views: 1618

Re: Earthquake insurance

it is defenetly worth to have earthquake coverage. Better if it is included in the home insurance, buying separate coverage usually more expencive
by Tommy
Tue Dec 13, 2016 4:41 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead's newest millionaire
Replies: 89
Views: 9988

Re: Boglehead's newest millionaire

abuss368 wrote:I would not tell friends and family. Your wife? Of course as you are a team. Perhaps your father, but that would be your call and only you would know best.

I didn't tell my wife...she is not interested in investment and trust me in managing money
by Tommy
Wed Nov 23, 2016 7:43 pm
Forum: Investing - Theory, News & General
Topic: Q&A With Jack Bogle: ‘We’re in the Middle of a Revolution’
Replies: 26
Views: 4490

Re: Q&A With Jack Bogle: ‘We’re in the Middle of a Revolution’

Excellent interview, always was admirer of Mr. Bogle. Actually I was surprised about lawsuit going on, about unpaid $36B in taxes. Did anybody hear about this lawsuit? How ridiculous it could be, is there a chance to Vanguard to lose it and make changes in their structure\fees?
by Tommy
Sun Nov 20, 2016 8:31 pm
Forum: Investing - Theory, News & General
Topic: Inflation Protection: TIPS or Gold?
Replies: 35
Views: 3647

Re: Inflation Protection: TIPS or Gold?

I've never read of anybody who bought gold that actually sold it to pay bills. I've read of folks asking how to sell gold coins that they inherited. So if you are not going to use it, why buy it? Gold is one of the ways to pass wealth to the next generations. Maybe not even to the children, but to ...
by Tommy
Tue Nov 15, 2016 11:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money market vs. CU Money Market
Replies: 6
Views: 834

Vanguard Money market vs. CU Money Market

we are keeping all our cash in Credit Union Money Market. They are paying 0.2% APY :(. ER of course 0, FDIC insured Vanguard Federal Money Market - SEC Yield - 0.3%, ER = 0.11%. Does it mean that for $10000 they pay $30 and keep back $11? So, it is even less than CU with more risk? What am I missing...
by Tommy
Sat Nov 05, 2016 8:58 pm
Forum: Investing - Theory, News & General
Topic: Mortgage-backed securities
Replies: 1
Views: 564

Mortgage-backed securities

Recently spoke with one retired person who has significant amount of his portfolio in mortgage-backed securities and closed end funds. He claims that he is getting 10-11% dividends. I looked on some of them (CYS, IVR, MFA, NLY) and although they are paying big dividends, they looks as very high risk...
by Tommy
Sat Nov 05, 2016 3:52 pm
Forum: Investing - Theory, News & General
Topic: Individual stocks that are sound w/ indexing
Replies: 84
Views: 7254

Re: Individual stocks that are sound w/ indexing

I own Microsoft stock, from the time I have worked there - ESPP and grants. It is about 6% of my portfolio now. Not sure what to do with this holding: sell? I'll have to pay taxes, keep? It might go down like in 2000. From other hand they are paying about 2.5% interest and might go up in the next ye...
by Tommy
Sun Oct 09, 2016 1:51 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 25
Views: 5466

Re: Fidelity Go (Robo-Service) has launched nationwide

I had fun as well playing with calculators. Not sure if using this service makes any sense, they recommendation pretty close to 3 fund portfolio, with some variations. One can build this portfolio himself and don't pay any fee. Although for some funds they are using institutional class with low expe...
by Tommy
Sat Oct 01, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 1122

Re: Dividends for fund not own whole month

There are two types of funds and how they pay dividends. Most mutual funds accumulate dividends and interest received from the investments and these funds show up in the NAV of the fund. When dividends from the fund are paid, everyone gets the same dividends no matter how long you have held the fun...
by Tommy
Sat Oct 01, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 1122

Dividends for fund not own whole month

Last week I moved 401 from previous employer to current (both in Fidelity). Some of money went to bond index fund ( former Spartan). Yesterday fund paid dividends. I'd expect that I'll get distribution for each share I own- but instead I got amount about 10 times less. If before rollover I had 100 s...
by Tommy
Fri Sep 16, 2016 11:41 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Limits
Replies: 4
Views: 616

Re: 401k Limits

For this year 401 limit is 18000 and 6000 catch up contribution. Can somebody clarify is this fixed amount for each type of contribution or one cannot exceed limit? i.e. what if I have 19000 contributed to 401 and 3000 to catch up? I will still be under total limit of 24000. The reason I'm asking t...
by Tommy
Fri Sep 16, 2016 11:07 pm
Forum: Personal Finance (Not Investing)
Topic: 401k Limits
Replies: 4
Views: 616

401k Limits

For this year 401 limit is 18000 and 6000 catch up contribution. Can somebody clarify is this fixed amount for each type of contribution or one cannot exceed limit? i.e. what if I have 19000 contributed to 401 and 3000 to catch up? I will still be under total limit of 24000. The reason I'm asking th...
by Tommy
Wed Sep 07, 2016 10:10 pm
Forum: Investing - Theory, News & General
Topic: S&P 500 index and funds difference
Replies: 4
Views: 714

S&P 500 index and funds difference

Today S&P 500 index was down 2,186.16 Day Change 0.32 | -0.01 % However, funds that follow this index up :) Fidelity® 500 Index Premium FUSVX NAV $ 77.19 1-Day Total Return 0.01 % Vanguard 500 Index Admiral VFIAX NAV $ 202.54 1-Day Total Return 0.01% Looks kinda strange to me, fund performs bett...
by Tommy
Sat Aug 20, 2016 10:51 pm
Forum: Investing - Theory, News & General
Topic: Difference in Performance results between VG and M*
Replies: 9
Views: 894

Re: Difference in Performance results between VG and M*

Phineas J. Whoopee wrote:For the five year interval, are they using the exact same start and end dates?
PJW

M* end date - 8/19, VG- 7/31. Don't think it will explain such difference
by Tommy
Sat Aug 20, 2016 10:25 pm
Forum: Investing - Theory, News & General
Topic: Difference in Performance results between VG and M*
Replies: 9
Views: 894

Difference in Performance results between VG and M*

According to Morningstar VG Wellington Admiral has 5 years return 11.65% VWENX 11.65 According to VG website Wellington Admiral has 5 years return 9.85% Wellington Fund Admiral 9.85% When I'm looking on my account, personal performance it says 9.7%. Rate of return* 9.7% OK, I can understand differen...
by Tommy
Thu Aug 11, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: First year of investing, checkup [Russia]
Replies: 7
Views: 703

Re: First year of investing, checkup [Russia]

do you have access to US investment companies? Vanguard, Fidelity. I know that Vanguard has international representation.
by Tommy
Sun Aug 07, 2016 6:14 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Go (Robo-Service) has launched nationwide
Replies: 25
Views: 5466

Re: Fidelity Go (Robo-Service) has launched nationwide

Interesting that they are recommending mid and small funds separately and in equal allocation, but not extended market fund, what usually recomended to compliment S&P 500
by Tommy
Sat Jul 30, 2016 2:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Dividend Growth just closed (effective *now*)
Replies: 62
Views: 7851

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

At one moment I was considering this fund but I have compared holdings with Wellington and Wellesley, I have both, and there is huge overlap.
by Tommy
Fri Jul 08, 2016 11:40 pm
Forum: Investing - Theory, News & General
Topic: Long term bond funds
Replies: 26
Views: 2851

Re: Long term bond funds

This is thing what I'm trying to understand. Let's assume one is retired and interested in income. He has long term bonds fund what is paying more dividends, so this condition is met. Now, rate goes up. Nav goes down. But since one is not going to sell bonds, Nav not really important at the moment, ...
by Tommy
Sun Jul 03, 2016 5:11 pm
Forum: Investing - Theory, News & General
Topic: International Bonds - Update
Replies: 55
Views: 5849

Re: International Bonds - Update

Have anybody own Vanguard Emerging Markets Government Bond Index Fund Investor Shares (VGOVX)? It looks like pretty risky and has purchase fee, although return looks good
by Tommy
Sun Jul 03, 2016 1:08 am
Forum: Personal Consumer Issues
Topic: Moving Seattle -> Madison?
Replies: 33
Views: 2458

Re: Moving Seattle -> Madison?

Is there anything like Seattle's coffeeshop/cafe culture? Culture? That made me laugh. :) I've been to Seattle many times including last month and I didn't notice anything different about coffeeshops from the rest of America or the world for that matter. The oysters were pretty good though. Second ...
by Tommy
Thu Jun 30, 2016 10:42 pm
Forum: Personal Finance (Not Investing)
Topic: Where were you financially when you were at 30?
Replies: 226
Views: 28554

Re: Where were you financially when you were at 30?

Question N/A to me. USSR, never heard about 401, IRA, etc. Well, my grandfather was buying gold and government bonds. This was only investment available..After USSR collapsed, those bonds became to cost nothing.
by Tommy
Tue Jun 28, 2016 12:30 am
Forum: Investing - Theory, News & General
Topic: Fund swaps to harvest losses
Replies: 13
Views: 1172

Re: Fund swaps to harvest losses

Selling Star for TLH and buying TR would be considered as wash sell? They are kind of identical investments.

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