Search found 685 matches

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: 1354

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: 1354

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: 54
Views: 10349

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: 467

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: 467

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: 467

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: 489

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: 54
Views: 10349

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: 489

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: 54
Views: 10349

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: 3499

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: 3499

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: 54
Views: 10349

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: 5054

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 -...
by ps56k
Thu Mar 16, 2017 10:14 pm
Forum: Investing - Theory, News & General
Topic: buying individual bonds vs buying bond funds
Replies: 1
Views: 236

buying individual bonds vs buying bond funds

A neighbor mentioned that he had a bond - Texas Road Bond - that he recently sold. I have never learned much about the real bond issues behind the bond funds. I did a quick search, and it looked like there were several "Texas Road Bonds". I know even in our local town - there were a few bo...
by ps56k
Thu Mar 16, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: ITOT vs VTI [iShares S&P 1500 Index vs. Vanguard Total Stock]
Replies: 10
Views: 655

Re: ITOT vs VTI [iShares S&P 1500 Index vs. Vanguard Total Stock]

Schwab SCHB is a very close match to VTI with share prices about $55 ish at the moment. I have both SCHB at Schwab and VTI at TDAmeritrade. Wonder why you have both ? In our son's Schwab brokerage account, we have http://www.schwab.com/public/csim/home/products/exchange_traded_funds/summary.html?sy...
by ps56k
Tue Mar 07, 2017 5:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is the Vanguard Balanced Index Fund all you need?
Replies: 43
Views: 6082

Re: Is the Vangaurd Balanced Index Fund all you need?

The only thing you didn't mention - would be your timeline to or in - retirement...
Do you want something that has a fixed allocation, no matter where you are on the timeline,
or would a Target Date fund serve the same purpose ?
by ps56k
Tue Mar 07, 2017 5:25 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5054

Re: New Vanguard Emerging Market Bond Fund

Thanks all - I setup a buy limit order - and it triggered - I'm in... Now I will have to pay more attention.... vs just having the International Bond Index Fund - Will have to keep tabs on these.... Country diversification (% of bond) as of 01/31/2017 Em Mkt Gov Bond ETF China 14.7% Brazil 7.4% Mexi...
by ps56k
Sun Mar 05, 2017 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment: mechanism, etc.
Replies: 14
Views: 1197

Re: Estimated tax payment: mechanism, etc.

IRS 1040-ES calendar - - April 18 - June 15 - Sept 15 - Jan 16, 2018 My 1040-ES calendar - - - Mar 1 --- June 1 --- Sept 1 --- Dec 1 Equal payments on March 1st, June 1st, Sept 1st and Dec 1st would be fine. tnx - I think that's what I'm going to setup in Quicken as Payment Reminders - the 1st of e...
by ps56k
Sat Mar 04, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment: mechanism, etc.
Replies: 14
Views: 1197

Re: Estimated tax payment: mechanism, etc.

I guess I was asking - yes, I see the payment schedule listed....and the info on the Form 2210 - I was looking at the ES-1040 - and the dates are: April 18 June 15 Sept 15 Jan 16, 2018 But... what if I skip the April payment, since my 1040 payment will be large, or, if later in the year, I determine...
by ps56k
Sat Mar 04, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5054

Re: New Vanguard Emerging Market Bond Fund

Thanks - didn't mean to drag away for the orig topic of the active managed fund - Vanguard Emerging Markets Bond Fund Investor Shares (VEMBX) https://personal.vanguard.com/us/funds/snapshot?FundId=1431&FundIntExt=INT which is currently showing NO real info, and as initially discussed, is marked ...
by ps56k
Sat Mar 04, 2017 11:29 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5054

Re: New Vanguard Emerging Market Bond Fund

thanks for all the comments, info, etc - I had noticed the various differences between the TRP fund and the Vanguard fund/s. It was more of an exploration of these types of funds, and if I wanted to dip my toe into the BBB waters. One other thing I had not noticed on my other basic Vanguard funds, i...
by ps56k
Fri Mar 03, 2017 5:16 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5054

Re: New Vanguard Emerging Market Bond Fund

I happen to have a couple of funds over at T.Rowe - and receive their newsletter. This issue had a couple of new items... One was the new T.Rowe - Total Return Fund - PTTFX https://www3.troweprice.com/fb2/fbkweb/snapshot.do?ticker=PTTFX and also - some articles about Fixed Income, along with Emergin...
by ps56k
Thu Mar 02, 2017 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Estimated tax payment: mechanism, etc.
Replies: 14
Views: 1197

Re: Estimated tax payment: mechanism, etc.

This is correct. The IRS doesn't care how you pay, only that you pay on time. I've had some large stock cap gains, and paid the tax with the 1040 plus paying the end of year penalty. I think for 2017 - I may go with the ES-1040 - as I see more of the same stock selling and high cap gains. I was loo...
by ps56k
Wed Mar 01, 2017 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: taxes - Short vs Long on Sched D Part III
Replies: 7
Views: 518

Re: taxes - Short vs Long on Sched D Part III

yeah - tnx -
I was merely trying to explain each page as we encountered it -
and got lost in the forest.... while staring at the tree -
by ps56k
Tue Feb 28, 2017 4:06 pm
Forum: Investing - Theory, News & General
Topic: Which individual countries hold the most promise for future investment gains?
Replies: 86
Views: 6119

Re: Which individual countries hold the most promise for future investment gains?

I was reading an article from the Harvard Business Review about frontier type investments.... and one country was profiled - Dominican Republic - https://hbr.org/2016/12/mapping-frontier-economies Happen to do a beginning search, and found this old thread. Will have to do some more searching and lea...
by ps56k
Mon Feb 27, 2017 2:05 am
Forum: Personal Finance (Not Investing)
Topic: taxes - Short vs Long on Sched D Part III
Replies: 7
Views: 518

Re: taxes - Short vs Long on Sched D Part III

Take him through the Qualified Dividends and Capital Gain Tax Worksheet on p. 44 of 2016 Instruction 1040 . Note what happens on line 7 and how that gets treated.... OK - I have the PDF and will walk thru page 44 AHHHH.... with the overall numbers so small, and the end result being a minus (278) it...
by ps56k
Sun Feb 26, 2017 7:26 pm
Forum: Personal Finance (Not Investing)
Topic: taxes - Short vs Long on Sched D Part III
Replies: 7
Views: 518

taxes - Short vs Long on Sched D Part III

I was going over Sched D with our son - he had a short term sale for Apple - and a long term sale for Google We walked thru the tinker toys connections - 1040 -line 13 --> Sched D --> Form 8949 But looking back, he asked what was the difference, as it seems on Sched D Part III - that you merely add ...
by ps56k
Fri Feb 24, 2017 4:26 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 1442

Re: Just beginning: $40k to open taxable and IRA accounts

For tax efficient funds, see this spreadsheet : https://docs.google.com/spreadsheets/d/124lTAYiSZrTEJX4m_aWoGImgEYKnKC4YxxwtOx1vOWw/edit?usp=sharing from this thread: https://www.bogleheads.org/forum/viewtopic.php?t=208818 just stumbled across this thread - tnx for the thread and pointing to Part I...
by ps56k
Fri Feb 24, 2017 4:24 pm
Forum: Investing - Theory, News & General
Topic: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)
Replies: 83
Views: 8168

Re: Relative tax efficiency including Foreign Tax Credit (VSS, VWO, VBR, etc.)

just stumbled across this thread, from the Part II thread -
tnx for the thread and the time/effort to work with the spreadsheet -
by ps56k
Fri Feb 24, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 294

Re: saving IRA 5498 statements - which file folder

Some of this comes from having to search thru various records from family and parents - looking for "papers" - Also, had TWO sudden deaths in the extended family, and the same thing.... trying to find all the "papers" - That's why, even though I have everything on Quicken and Tur...
by ps56k
Fri Feb 24, 2017 3:46 pm
Forum: Investing - Help with Personal Investments
Topic: Just beginning: $40k to open taxable and IRA accounts
Replies: 21
Views: 1442

Re: Just beginning: $40k to open taxable and IRA accounts

nps wrote:... and moving to the simple portfolio at Vanguard for the IRA/taxable portion.

What would be a suggestion - in the taxable account - ??

as someone else also echoed -
This is just my opinion, but I would use the remaining $18k to open a taxable account and invest in a tax efficient fund(s).
by ps56k
Fri Feb 24, 2017 2:52 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 294

Re: saving IRA 5498 statements - which file folder

jebmke wrote:I keep mine in an IRA folder and put a link in my tax folder.
I think there is a way to use libraries to have the file appear in multiple places in Windows.

For me - these are REAL file folders in a REAL filing cabinet - old school - even though I have everything in Quicken, and TurboTax -
by ps56k
Fri Feb 24, 2017 1:36 pm
Forum: Investing - Help with Personal Investments
Topic: saving IRA 5498 statements - which file folder
Replies: 8
Views: 294

saving IRA 5498 statements - which file folder

I have all my financial info in various file folders.... each tax year gets a folder, with all the TurboTax printed forms (easier to flip thru), 1099s, etc along with all my charity donations, etc I have another set of folders for each of my portfolio statements, transactions, etc... Vanguard, Fidel...
by ps56k
Thu Jan 12, 2017 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: real estate building - Trustee liabilities
Replies: 2
Views: 232

real estate building - Trustee liabilities

My wife's family owns a warehouse... actually an empty building used to store and sell cars, and a body shop. Currently, her sister and brother are the Trustees of a Land Trust / Warranty Trust for this property. The question of personal liability has come up - for the Trustee - What are the persona...
by ps56k
Wed Jan 04, 2017 3:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1142

Re: Vanguard Target Date funds - asset alloc

The 40% international .... [Figure 3]... I think you mean [Figure 4] - as [Figure 3] has the 60/40 split - but using Bonds vs International Equity. Will have to go back and read the entire article - but it was from 2012 - and the stats are referencing 2008 - " Since the ten years ended 10/31/2...
by ps56k
Tue Jan 03, 2017 3:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1142

Re: Vanguard Target Date funds - asset alloc

... there's a chance this'll turn into one of those threads where everyone chimes in with recommending between 0%-50%... yeah - let's not - keep focus on the Vanguard Target Date fund, and how/why they split the percentages.. I was just surprised at the International component. Wondering if Vanguar...
by ps56k
Tue Jan 03, 2017 2:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1142

Re: Vanguard Target Date funds - asset alloc

pingo wrote:Is this an employer sponsored plan? Or is it a Vanguard account where you can exchange into any available Vanguard fund?

It's our 26yr old son's Roth IRA -
by ps56k
Tue Jan 03, 2017 1:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Target Date funds - asset alloc
Replies: 10
Views: 1142

Vanguard Target Date funds - asset alloc

I was surprised when I looked at the Vanguard Target Date Fund 2050 - https://personal.vanguard.com/us/funds/snapshot?FundId=0699&FundIntExt=INT#tab=2 and the allocation between domestic vs international - Not sure how I feel about the percentage splits - 1 Vanguard Total Stock Market Index Fund...
by ps56k
Wed Dec 28, 2016 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: end of year charity donation - which tax season ?
Replies: 5
Views: 254

Re: end of year charity donation - which tax season ?

Thanks - I also had the IRS 526 Pub for info on donating a vehicle.... which I also did this year - Here is the snipet for any other readers.... --- When To Deduct You can deduct your contributions only in the year you actually make them in cash or other property (or in a later carryover year, as ex...
by ps56k
Wed Dec 28, 2016 4:42 pm
Forum: Personal Finance (Not Investing)
Topic: end of year charity donation - which tax season ?
Replies: 5
Views: 254

end of year charity donation - which tax season ?

Just wondering - sitting here on Wednesday Dec 28, 2016 - If I write a check to a charity today, and drop into the mail - which tax year will it be counted as a donation ? - when I write the check - 2016 - when it is received and acknowledged - 2017 - when it is cashed and clears - 2017 Of course, i...
by ps56k
Thu Dec 22, 2016 3:08 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 757

Re: grad student --> real job - tax issues ?

.... {snip} So they'd need to increase their federal withholding or estimated taxes from about 8% of their income to about 14% or more to be sure they withheld enough. Thanks for the detailed walk-thru.... also - have close friends in Flowering Branch and in Cumming... I will share this with him, s...
by ps56k
Thu Dec 22, 2016 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 757

Re: grad student --> real job - tax issues ?

Not much detail from the OP to pinpoint what to do differently. yeah - we know all the points you mentioned.... I guess I don't know exactly what he heard from the other grad students - and it just seems that they don't really know what they are talking about, regarding taxes, as it is pretty commo...
by ps56k
Thu Dec 22, 2016 2:19 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 757

Re: grad student --> real job - tax issues ?

livesoft wrote:I will also say that I've never had a post-doc job that paid $100K. More like $12K. So $100K would have been very nice.

Guess I should clarify - after a post-doc and PhD, or just after PhD.... depending upon how many more years he wants to play this game -
by ps56k
Thu Dec 22, 2016 2:04 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 757

Re: grad student --> real job - tax issues ?

What is his medical coverage like? Is he under a subsidized medical plan on the public exchanges? Please explain what you are getting at ? He is considered a (grad) student, and gets his health coverage directly from the school - He is 26, and just recently did the required swap from our family cov...
by ps56k
Thu Dec 22, 2016 1:43 pm
Forum: Personal Finance (Not Investing)
Topic: grad student --> real job - tax issues ?
Replies: 18
Views: 757

grad student --> real job - tax issues ?

Was talking with our son, who is a grad student with a stipend... $30k/yr - He was saying that some folks have some tax issues when they get their post-doc jobs at like $100k, and have a penalty somehow - going from their $30k to their newly found $100k I said that as long as you cover what you expe...
by ps56k
Tue Dec 06, 2016 7:31 am
Forum: Investing - Theory, News & General
Topic: High Grade Munis -
Replies: 3
Views: 701

High Grade Munis -

Saw an article mentioning.... High Grade Munis.. (not high yield)

Is there such an animal in the Vanguard stable ?
Just curious to see what kind of portfolio that might have,
along with the usual stats compared to other general Munis.
by ps56k
Thu Nov 10, 2016 12:28 pm
Forum: Investing - Theory, News & General
Topic: EE Bonds - stay with paper, or convert to digital
Replies: 4
Views: 703

EE Bonds - stay with paper, or convert to digital

I have a stack of EE bonds (paper $25) from our 26yr old son.... for various birthdays from relatives. I also had a stack of my own, which have all matured and been cashed in. I keep track of the inventory with the Treasury Dept - Savings Bond Wizard PC program - http://www.savingsbondwizard.gov/ I ...
by ps56k
Mon Nov 07, 2016 8:03 pm
Forum: Investing - Theory, News & General
Topic: Gold - new info-ads about upcoming "legal changes"
Replies: 4
Views: 723

Re: Gold - new info-ads about upcoming "legal changes"

I Googled "upcoming legal changes gold" and apparently there may be a change in Sharia law that will make it easier for devout Muslims to invest in gold. Here is an article from The Street about it: https://www.thestreet.com/story/13622922/1/how-a-change-in-islam-s-sharia-law-could-increa...

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