Search found 721 matches

by ps56k
Fri Aug 11, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Where To Put My Emergency Fund?
Replies: 58
Views: 3947

Re: Where To Put My Emergency Fund?

Interesting browsing... Looking at my Quicken charts.... I have about 6% of my entire portfolio in some form of cash - Now some of that is part of stocks, bonds, funds, etc - but most of it is held in.... Chase & Schwab Checking, Ally Bank ladder CD & MM, Vanguard Prime MM. It is spread around for e...
by ps56k
Fri Aug 11, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl funds vs Venezuela
Replies: 19
Views: 1786

Re: Vanguard Tot Intl funds vs Venezuela

tnx all - the geo-political stuff is always going to tug at the market - domestic & intl - SO... added a little more to my fund - VTIAX https://personal.vanguard.com/us/funds/snapshot?FundId=0569&FundIntExt=INT#tab=0 and the holdings https://personal.vanguard.com/us/FundsAllHoldings?FundId=0569&Fund...
by ps56k
Mon Aug 07, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard Tot Intl funds vs Venezuela
Replies: 19
Views: 1786

Vanguard Tot Intl funds vs Venezuela

Thoughts on how the current unrest in Venezuela (Aug 2017) might impact the Vanguard Total Intl funds -
both directly, and ripple of concern effect ?

I currently hold both - Vanguard Total Intl stock & bond
was going to do my monthly add more to the Intl Stock fund, but then gave pause....
by ps56k
Tue Jul 11, 2017 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1049

Re: Mortgage vs Investing vs life changes

It's really sad to see examples of insufficient life insurance. In this case she can't afford the house. Time to either get a higher paying job or move on by selling the house. I'll totally agree with the Life Insurance comment - but since I don't know her income steam.... and she has been doing fi...
by ps56k
Mon Jul 10, 2017 11:46 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1049

Re: Mortgage vs Investing vs life changes

Here's an estimate: The current mortgage balance $320,000 at 5.% with a payment of $1,994 per month for P&I has 266 months (22.14 years) remaining and will cost $529,741 with $209,741 interest. If she refinances it and rolls in closing costs of typically 1.5% of the balance ($4,800) then for a ...
by ps56k
Mon Jul 10, 2017 11:30 am
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

Re: ETF - open secret - cap gains tax loophole

This is not surprising. It's also unique to Vanguard, for now. Read this link: m yes - read the link you had posted up above... but didn't quite grasp what it was saying - Vanguard ETFs are structured as another share class of a mutual fund, like Admiral or Investor shares. This is a process unique...
by ps56k
Mon Jul 10, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

Re: ETF - open secret - cap gains tax loophole

Just took a look at my Vanguard 1099 from last year - mostly ALL of it is reflected in DIVS - with no real Box2a Cap Gains.... so, no big deal compared to their ETF (if they exist) Also - for my Schwab investing brokerage account - stocks and ETFs - there were no Cap Gains reported at all.... as exp...
by ps56k
Mon Jul 10, 2017 11:06 am
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

Re: ETF - open secret - cap gains tax loophole

This is an irresponsible article in several ways. (1) While ETF may have tax advantages, and may even have been created with these advantages in mind, it is not the case that "individual investors in mutual funds must endure" such disadvantages. As is well-discussed and -documented , Vang...
by ps56k
Mon Jul 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1049

Re: Mortgage vs Investing vs life changes

just added a few details to the orig posting - and here - to continue thread... They both had good middle class jobs, and no kids.... of course, she still has her job. The house was a major remodel - added a 2nd story to a ranch - so construction loan became the mortgage after completion. Only been ...
by ps56k
Mon Jul 10, 2017 10:24 am
Forum: Investing - Theory, News & General
Topic: ETF - open secret - cap gains tax loophole
Replies: 74
Views: 5857

ETF - open secret - cap gains tax loophole

Just saw this article - had not really thought much about the ETF taxing world - http://www.investopedia.com/news/etf-open-secret-theyre-tax-loophole/?partner=YahooSA&yptr=yahoo According to a 2010 report by the Kauffman Foundation, exchange-traded funds (ETFs) were invented to avoid the "c...
by ps56k
Mon Jul 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1049

Mortgage vs Investing vs life changes

We have a friend... 50-ish - she has a mortgage on her house, and a few surrounding issues. It is a large amount to her, and her life situation changed a few years ago. Principal - $320,000 Mortgage is 5% with... Prin = $660/mo Int = $1,334/mo Tax = $528/mo Total = $2,522 A few years ago, her husban...
by ps56k
Wed Jun 21, 2017 11:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2095

Re: Vanguard invite - transition to a Brokerage Acct

flamesabers wrote:There's a link you can use to upgrade your account. This topic has been discussed before.

Sorry - Didn't mean to bring up older topics - as it was a new email campaign to us.... and we've had Vanguard funds for decades.
by ps56k
Wed Jun 21, 2017 11:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2095

Re: Vanguard invite - transition to a Brokerage Acct

This email was sent to our son - he only has a Vanguard Roth IRA - with just one Vanguard Target Date fund.

I didn't receive the email, and have the usual portfolio mix of Vanguard mutual funds.
by ps56k
Wed Jun 21, 2017 10:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard invite - transition to a Brokerage Acct
Replies: 33
Views: 2095

Vanguard invite - transition to a Brokerage Acct

Just received this email today... ----- Help us improve the way we serve you Dear XXXX In the next week or so, you'll receive an invitation to transition your Vanguard mutual fund account to a Vanguard Brokerage Account. You don't have to do anything now. We simply want to make you aware of what's c...
by ps56k
Mon Jun 12, 2017 4:13 pm
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 7514

Re: Poll: Do Bogleheads own Stocks?

I'm not sure the last couple of questions are getting tallied correctly....
I answered on the % of stock ownership - and it is still showing ZERO - for the 50% and above
by ps56k
Fri Jun 09, 2017 11:10 am
Forum: Investing - Help with Personal Investments
Topic: Softbank - SFTBF vs SFTBY
Replies: 1
Views: 346

Softbank - SFTBF vs SFTBY

I held ARM for a long time, and was disappointed when it was sold to Softbank... that is when I even heard of them. Now, Google is selling their fantastic robotics division to Softbank... so, am a little more interested. I have found TWO different tracking symbols - but can't really tell what's diff...
by ps56k
Thu Jun 08, 2017 4:45 pm
Forum: Investing - Help with Personal Investments
Topic: Which type of Vangaurd [fund]?
Replies: 16
Views: 1393

Re: Which type of Vangaurd [fund]?

intotheblue wrote:So..I'm set on opening up a Vanguard retirement account. I'm probably going to go with Wellington and one other account.

Just a couple of baseline Q&A -
- what age are you, risk tolerance, etc...
-
by ps56k
Sun Jun 04, 2017 5:17 pm
Forum: Investing - Theory, News & General
Topic: Bitcoin Purchase
Replies: 99
Views: 10856

Re: Bitcoin Purchase

Yowza. Bitcoin down another 12% today to $880. I know, I know, long-term 'investors' in this ponzi scheme are still up. Was just chatting with a neighbor about bitcoin - and have been doing some reading of these threads. When you are mentioned up/down pricing - what symbol and exchange are you view...
by ps56k
Sun May 28, 2017 6:21 pm
Forum: Personal Finance (Not Investing)
Topic: biz renter skipped out - what are options
Replies: 10
Views: 2113

biz renter skipped out - what are options

The wife's sibling & family owns a small industrial building. Own it outright, no mortgage - inherited from the parents - passive. We have had various folks in there - from silk screening T-shirts to custom motorcycle builders. Last year - there was an online auto dealer... and another extended ...
by ps56k
Wed May 24, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Robo investing for the richer folks
Replies: 2
Views: 782

Robo investing for the richer folks

stumbled across this article - Citigroup Inc. doesn’t think its richer customers will drop their high-priced money managers in favor of automated investing, but Betterment LLC is betting it can prove the big bank wrong. https://www.bloomberg.com/news/articles/2017-05-24/robo-advisers-battle-wall-str...
by ps56k
Wed May 24, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: 529 Questions. Double tax breaks?
Replies: 8
Views: 1264

Re: 529 Questions. Double tax breaks?

don't know where you are located -
but here in Illinois - the BrightStart 529 gives a IL 1040 tax break for contributions to their 529 plan.
by ps56k
Wed May 24, 2017 2:36 pm
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1371

Re: Pimco BOND - other Vanguard similar funds or ?

Just FYI, here’s the history of several funds, most of which I happened to have on hand from Yahoo or PortfolioVisualizer ICW other discussions. It's through 2016, and also shows their history for the 5 years data available I found for BOND. It includes the CAGR (Compound Annual Growth Rate) or APY...
by ps56k
Wed May 24, 2017 12:47 pm
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1371

Re: Pimco BOND - other Vanguard similar funds or ?

In that case, my prior point still stands: the overall holdings of BOND and Vanguard's BND are pretty similar, so they're mostly redundant. I don't see a reason to hold both, and the lower expenses of the Vanguard fund make it more appealing to me, so I'd consolidate to Vanguard BND. But that's jus...
by ps56k
Tue May 23, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1371

Re: Pimco BOND - other Vanguard similar funds or ?

Thanks all - for the info and learning.... This is a part of my bond AA, as I have a heavy 80% equity slice, and I keep trying to add more to the bond side - - for ballast being the main reason - for the next financial downturn and abyss - for future fixed income So - keep adding to Wellesley, but o...
by ps56k
Mon May 22, 2017 11:44 pm
Forum: Investing - Theory, News & General
Topic: Pimco BOND - other Vanguard similar funds or ?
Replies: 14
Views: 1371

Pimco BOND - other Vanguard similar funds or ?

I wish Pimco had not used the common word bond for their active total return fund - BOND - makes it really hard to search the forums for references... Anyway - I've had this fund for several years - yeah, jumped onto the shiny new bandwagon. Now, can't decide to still hold it, or exchange for someth...
by ps56k
Tue May 09, 2017 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: ES-1040 taxes - any issues with periodic payments
Replies: 6
Views: 392

Re: ES-1040 taxes - any issues with periodic payments

As I mentioned - the taxes are being driven by more of the Cap Gains from selling long term held stocks... So - if I slice off some stocks, and sell them - I get hit with these high Cap Gains - and the related taxes. I was thinking that I would pay the ES-1040 only in those quarters where I know I h...
by ps56k
Tue May 09, 2017 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: ES-1040 taxes - any issues with periodic payments
Replies: 6
Views: 392

ES-1040 taxes - any issues with periodic payments

Got hit with a lot of Cap Gains this year, and want to smooth things out for next year. If I divide my estimated taxes evenly across the 4 ES-1040 payments, is there a problem with say just paying the 1st and 3rd vs each and every period ? Don't know if once you pay into the "system" it th...
by ps56k
Mon Apr 10, 2017 6:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VWO - no Samsung or South Korea
Replies: 17
Views: 1650

Re: Vanguard VWO - no Samsung or South Korea

nisiprius wrote:As for what's an "emerging market," Wikipedia offers nine different lists from nine different authorities,
and with regard to South Korea, 4 say yes and 5 say no. In particular, MSCI says yes and FTSE says no.

Thanks all for the education - and pointing out the nice comparison chart...
by ps56k
Mon Apr 10, 2017 3:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VWO - no Samsung or South Korea
Replies: 17
Views: 1650

Re: Vanguard VWO - no Samsung or South Korea

thanks for the info - didn't even think of checking for differences between FTSE and MSCI -

Now - if I want to go with an EM fund, do I stay with the FTSE and Vanguard,
or look at the iShares and the IEMG or EEM versions
by ps56k
Mon Apr 10, 2017 2:49 pm
Forum: Investing - Theory, News & General
Topic: Vanguard VWO - no Samsung or South Korea
Replies: 17
Views: 1650

Vanguard VWO - no Samsung or South Korea

I was just looking at a WSJ article on the Emerging Markets and their ETFs. A couple of the mentioned ETFs had Samsung right at the top of their holdings - IEMG and EEM In looking at the Vanguard ETF version - VWO - they all have the same basic holdings, shuffled in percentages, except that Vanguard...
by ps56k
Tue Mar 28, 2017 3:27 pm
Forum: Investing - Theory, News & General
Topic: What Bond ETF to use for a 3-fund portfolio?
Replies: 12
Views: 2554

Re: What Bond ETF to use for a 3-fund portfolio?

what about the Total Bond Fund vs the Intermediate-Term Tax-Exempt Fund - for those in higher tax brackets ?
ie - VBMFX vs VWITX
by ps56k
Mon Mar 27, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Where to park excess cash
Replies: 12
Views: 2626

Re: Where to park excess cash

just out of curiosity -
how would you compare the Vanguard Muni Bond VWITX vs the Vanguard baseline Total Bond VBMFX ?
which one is better, under which circumstances ?
by ps56k
Mon Mar 27, 2017 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Ally Bank Raise Your Rate CDs
Replies: 9
Views: 3274

Re: Ally Bank Raise Your Rate CDs

I have a laddered collection of the 18month versions at 1.35% -
along with the MM account at 0.85% for checking -
it will be an interesting year to see what the Fed does -

https://www.ally.com/bank/cd-rates/
by ps56k
Mon Mar 27, 2017 4:10 pm
Forum: Investing - Help with Personal Investments
Topic: Single Fund Portfolio in Roth IRA
Replies: 16
Views: 1363

Re: Single Fund Portfolio in Roth IRA

I setup our son's Roth IRA at Vanguard - 26yr old - and I just used the Vanguard Target Date of like 2050 - So - what would be different between the Vanguard LS and the Vanguard TD type of funds ? ahh - just went back, and compared the LS Growth with the Target Date 2050 and of course - the LS funds...
by ps56k
Mon Mar 27, 2017 4:02 pm
Forum: Investing - Help with Personal Investments
Topic: 403b/teachers pension plan rollover questions
Replies: 10
Views: 2535

Re: 403b/teachers pension plan rollover questions

Just to followup a little - from last very informative thread discussion in 2015 Due to things getting sticky in Illinois - with respect to Teachers, etc - She decided to retire... last school year - and has been drawing her TRS pension as of Sept 2016. And to keep things simple, since we had some o...
by ps56k
Tue Mar 21, 2017 11:51 am
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 2871

Re: Schwab vs Vanguard vs Fidelity - ER fees

When I first got into stocks - I had my account with a small Chicago firm called - Rose Investments - which Schwab acquired... Therefore - I used Schwab as my stock picking brokerage, and there was a local office in our area. Next account - I can't recall - but it was driven by a couple of popular m...
by ps56k
Tue Mar 21, 2017 10:48 am
Forum: Investing - Theory, News & General
Topic: Schwab vs Vanguard vs Fidelity - ER fees
Replies: 18
Views: 2871

Schwab vs Vanguard vs Fidelity - ER fees

Here is the ER fees comparison chart that is being advertised by Schwab.

It is an interesting question - if the large index funds are all basically the same,
would the ER be the deciding factor... if even by a tiny margin ?

https://www.schwabfunds.com/public/file/P-10043741
by ps56k
Tue Mar 21, 2017 10:43 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 68
Views: 15605

Re: Schwab vs Vanguard

here's a PDF of the Schwab vs Vanguard vs Fidelity - ER fees comparison chart

https://www.schwabfunds.com/public/file/P-10043741
by ps56k
Mon Mar 20, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor - missing Cost Basis
Replies: 5
Views: 597

Re: Vanguard Windsor - missing Cost Basis

Thanks - now I don't have to go back and try to find all the old transactions.
by ps56k
Mon Mar 20, 2017 11:28 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor - missing Cost Basis
Replies: 5
Views: 597

Re: Vanguard Windsor - missing Cost Basis

I had run into the same situation with my stocks over at Schwab - no Cost Basis for some... BUT - the Schwab website has a way for you to enter your historical transaction - essentially - your Cost Basis transaction items. I don't see that on the Vanguard website - so there is no way to enter these ...
by ps56k
Sun Mar 19, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Windsor - missing Cost Basis
Replies: 5
Views: 597

Vanguard Windsor - missing Cost Basis

Just looking back at my Vanguard funds on the website - Windsor Cost Basis - it appears that all my other funds have complete Cost Basis, but my Windsor is missing a large chuck - Covered - 811 shares Non-Covered - 3,245 shares SO.... how do I go about creating the missing Cost Basis - First will ha...
by ps56k
Sun Mar 19, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Funds - a dramatic shifting
Replies: 4
Views: 686

Re: ETF vs Mutual Funds - a dramatic shifting

tnx for the replies - having been with the mutual funds since whenever - with my Vanguard Windsor,
I think it was way before the concept of ETFs was envisioned.... so my narrow view of the world was from the Vanguard bridge -
by ps56k
Sun Mar 19, 2017 2:05 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 68
Views: 15605

Re: Schwab vs Vanguard

I posted this in another new topic thread - but it might be an interesting read on this thread - ETF vs Mutual Fund - If you are going to put all your investment eggs into a single basket - would a shift from each mutual fund to ETFs also be part of that overall scenario ? Why hold the mutual fund a...
by ps56k
Sun Mar 19, 2017 2:00 pm
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Funds - a dramatic shifting
Replies: 4
Views: 686

ETF vs Mutual Funds - a dramatic shifting

Just happen to see this article pop up - I've had mutual funds for years, decades - in Vanguard, TRowe, and Fidelity Now I'm wondering about this implied shift... But how can you have an ETF exist, without requiring it's underlying mutual fund core ? https://finance.yahoo.com/news/could-3-trillion-s...
by ps56k
Sun Mar 19, 2017 8:24 am
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 68
Views: 15605

Re: Schwab vs Vanguard

On the question of Admiral Shares - it looks like, on the Schwab website, they are tagged for Institutional Customers Only ( click on --> Fund Facts & Fees tab--> look in the upper right corner - for Availability) http://www.schwab.com/public/schwab/investing/investment_help/investment_research/...
by ps56k
Sat Mar 18, 2017 1:05 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4578

Re: Investing in - WATER - thoughts

If you are going to invest in these types of stocks, you probably will need to have a long term (15-20) year horizon. The battle is not going to be short term. I had looked at these a few years ago, and didn't pull the trigger for the same reason. At this point in time, it looks like the different ...
by ps56k
Sat Mar 18, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Investing in - WATER - thoughts
Replies: 57
Views: 4578

Investing in - WATER - thoughts

Just watched the NatGeo special on the California water crisis - http://channel.nationalgeographic.com/water-and-power-a-california-heist/ As a friend pointed out - the wild west has always had its battles around water rights, and now it has been ramped up between the various modern day players. BTW...
by ps56k
Thu Mar 16, 2017 10:48 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab vs Vanguard
Replies: 68
Views: 15605

Re: Schwab vs Vanguard

ogd wrote:Schwab is nice and cheap, but only on Vanguard will you find the Admiral index funds free, which are nicer to use than ETFs.

Was just browsing and reading these threads -

What do you mean -- Admiral index funds free - ?
by ps56k
Thu Mar 16, 2017 10:41 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5532

Re: New Vanguard Emerging Market Bond Fund

I don't understand why you would want to have exposure to such debt. As we always say, why not just take the risk on the equity side? There is plenty of opportunity on the equity side to diversify and risk your money. I have enough stocks and stock mutual funds - along with my Vanguard bond funds -...