Search found 732 matches

by ps56k
Sat Sep 30, 2017 3:02 pm
Forum: Investing - Help with Personal Investments
Topic: Getting father-in-law off of UBS & its 1.5% AUM fee
Replies: 27
Views: 2513

Re: Getting father-in-law off of UBS & its 1.5% AUM fee

We have some family members that are part of - Edward Jones - and are very supportive of their agent. It's an emotional connection - like any other service provider.... plumber, roofer, doctor, banker, insurance, etc - If you need someone to perform a service for you, and you feel comfortable with t...
by ps56k
Sat Sep 30, 2017 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS
Replies: 32
Views: 2216

Re: Newbie-Schwab Intelligent Portfolios vs Vanguard PAS

just reading the thread - had not come across Vanguard PAS - it appears that PAS is not a complete robo service and actually has a real advisor for an 0.30% fee, and suggests that others charge fees around 1.0% https://investor.vanguard.com/financial-advisor/financial-advisor-fees The Schwab SIP app...
by ps56k
Tue Sep 26, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1040

Re: grad student - how much to contrib to IRA

My theory is that your son and you should pack that Roth IRA with every penny, all $5,500 - because come April 15, 2018, that opportunity is lost forever. It's true he may be saving more than 10% or that 10% of his earned income is a lot to save, but for a valuable Roth IRA - why let that opportuni...
by ps56k
Sat Sep 23, 2017 6:46 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1040

Re: grad student - how much to contrib to IRA

It was a simple question over in the "theory" sub-forum, and was about how to think about contributing to an IRA when you have earned income, but not a great amount to put into the IRA using the prescribed savings rated of 10% Then the posting got moved over to here - the Personal Investment sub-sec...
by ps56k
Sat Sep 23, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1040

Re: grad student - how much to contrib to IRA

LadyGeek wrote:
Sat Sep 23, 2017 9:00 am
This thread is now in the Investing - Help with Personal Investments forum.
Sorry - I usually try and make it a general theory type of question -
and then it drifts into the details, and becomes a more specific situation.
by ps56k
Fri Sep 22, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: grad student - how much to contrib to IRA
Replies: 14
Views: 1040

grad student - how much to contrib to IRA

Our son is a grad student - and gets a stipend... it's not a bad paycheck... Was wondering, as time goes on, how should he figure out how much to allocate and contribute to his Vanguard Roth IRA ? Yeah, it would involve the income vs expense worksheet - but then.... how much should you force yoursel...
by ps56k
Thu Sep 07, 2017 6:38 pm
Forum: Investing - Theory, News & General
Topic: IRA contribution - sub-teacher & possible W2
Replies: 3
Views: 260

Re: IRA - sub teacher & possible W2

If MFJ you can contribute on her income, so if she makes more than $13K you both might be able to contribute the max. Have never run into the very low "earned income", so never thought about the IRA issue. SO - whatever she has indicated as year end "earned income" is the MAX COMBINED for both of o...
by ps56k
Thu Sep 07, 2017 6:25 pm
Forum: Investing - Theory, News & General
Topic: IRA contribution - sub-teacher & possible W2
Replies: 3
Views: 260

IRA contribution - sub-teacher & possible W2

Wife and I both retired... I did it very early, and wife early a year ago. We stopped contributed to IRA the year after - as no "earned income". SO... wife is bored, and has been doing some sub-teacher work this year within her old school district. The pay slip appears to deduct the usual payroll it...
by ps56k
Tue Aug 29, 2017 5:12 pm
Forum: Investing - Theory, News & General
Topic: Jack Bogle Interview in Aug/Sep AARP Magazine
Replies: 2
Views: 1672

Re: Jack Bogle Interview in Aug/Sep AARP Magazine

That is a very weird photo of Jack Bogle -
We thought it was a post-up of a thin body with a huge head - very weird -
by ps56k
Sun Aug 27, 2017 7:59 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay back loan and split a sale
Replies: 3
Views: 280

Re: How to pay back loan and split a sale

I guess my question was really how to view the $56,000 and the $170,000 One way is to just take the $600,000 - split it 3 ways - and the other person pays us back the $56,000 loan from their $200,000. Another way - is to subtract the $170,000 that our 2/3 paid for the "widget" - yielding $600,000 mi...
by ps56k
Sun Aug 27, 2017 6:58 pm
Forum: Personal Finance (Not Investing)
Topic: How to pay back loan and split a sale
Replies: 3
Views: 280

How to pay back loan and split a sale

I'll try and make this simple - it never is - Three of us bought a "widget" - paying off an existing note... It cost us a total of $170,000 to acquire it by paying off the existing note. The group is 1/3 by a person, and also the 2/3 for me and wife. We each paid $56,000 into the total amount (3 x $...
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: 4532

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: 1963

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: 1963

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: 1147

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: 1147

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 bala...
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: 6275

Re: ETF - open secret - cap gains tax loophole

This is not surprising. It's also unique to Vanguard, for now. Read this link: https://www.bogleheads.org/wiki/ETFs_vs_mutual_funds#Vanguard_funds 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 mutu...
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: 6275

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: 6275

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 , Vanguard mutua...
by ps56k
Mon Jul 10, 2017 10:36 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1147

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: 6275

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 "confiscato...
by ps56k
Mon Jul 10, 2017 9:57 am
Forum: Personal Finance (Not Investing)
Topic: Mortgage vs Investing vs life changes
Replies: 9
Views: 1147

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: 2797

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: 2797

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: 2797

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: 8182

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: 638

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: 1515

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: 11754

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: 2274

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 fami...
by ps56k
Wed May 24, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Robo investing for the richer folks
Replies: 2
Views: 819

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: 1339

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: 1491

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: 1491

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: 1491

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: 1491

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: 436

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: 436

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: 1768

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: 1768

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: 1768

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: 2899

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: 2710

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: 3396

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: 1526

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: 2727

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: 3489

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: 3489

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: 71
Views: 16883

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