Search found 354 matches

by dougger5
Thu Dec 12, 2019 9:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site feature "Balances Over Time" has disappeared
Replies: 6
Views: 714

Re: Vanguard site feature "Balances Over Time" has disappeared

Isn't there a variation on this under Performance? I think you're referring to the tab on the intro summary screen. Yes, it is sort of like the missing one, but it's for the whole portfolio. I like isolating different accounts and different holdings, especially since a large part of the total portf...
by dougger5
Thu Dec 12, 2019 8:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard site feature "Balances Over Time" has disappeared
Replies: 6
Views: 714

Vanguard site feature "Balances Over Time" has disappeared

Tonight I did my usual login > My Accounts > Balances & Holdings routine. In Balances & Holdings, the "Balances over time" tab is no longer there - just "Current balances," "Balances compared to year-end," and "Balances by date." Anyone else experiencing this? In any case, I hope it's a temporary ab...
by dougger5
Tue Nov 26, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 131
Views: 12917

Re: Schwab acquiring TD Ameritrade

One major concern I have: Is Jim Conroy's job in jeopardy?
by dougger5
Tue Oct 29, 2019 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Pay. Does anyone use it?
Replies: 196
Views: 12775

Re: Apple Pay. Does anyone use it?

I use Google Pay whenever I can - essentially identical service on the Android. Same reasons as stated hereinbefore - more secure, and has saved me a couple times; e.g. when I forgot to bring my wallet to work, and when procrastination catches up with me and I have to get gas while dressed for the g...
by dougger5
Mon Oct 28, 2019 7:57 pm
Forum: Personal Consumer Issues
Topic: Vanguard Web Site Interface
Replies: 15
Views: 1352

Re: Vanguard Web Site Interface

Ah. Good, so it's not just me.
southerndoc wrote:
Mon Oct 28, 2019 7:49 pm
Probably just a glitch. Likely will be back to normal tomorrow.
+1
by dougger5
Fri Oct 11, 2019 6:54 am
Forum: Personal Investments
Topic: Filling out annual SIMPLE IRA contribution form with catch-up
Replies: 2
Views: 227

Re: Filling out annual SIMPLE IRA contribution form with catch-up

Why not talk to or send a note to HR or whoever does the SIMPLE IRA bookwork ahead of time and give them a heads-up? The Form 5305 you filled out stays with the employer (is not sent to the IRS) so it's an office problem, not a vendor or IRS problem. I did. It seems like a novel situation for them,...
by dougger5
Thu Oct 10, 2019 8:27 pm
Forum: Personal Investments
Topic: Filling out annual SIMPLE IRA contribution form with catch-up
Replies: 2
Views: 227

Filling out annual SIMPLE IRA contribution form with catch-up

For those who have the maximum plus some or all of the 50+ catch-up amount deducted from salary, did you need to provide any annotation aside from the selected percentage when filling out the form? I'm being told that in addition to the percentage (chosen to ensure I max out and take maximum catch-u...
by dougger5
Sat Sep 07, 2019 10:50 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 706

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

dayzero wrote:
Sat Sep 07, 2019 10:37 am
Is this logically different from a company holding shares of itself in its treasury?
Hmm...you may have a point there, at least in an abstract sense. I'm not sure it's exactly the same, but I do see a sort of self-referential aspect to that too.

But again...just 2 shares...why even bother?
by dougger5
Sat Sep 07, 2019 10:39 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 706

Re: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

whodidntante wrote:
Sat Sep 07, 2019 10:31 am
I think Vanguard is trolling us.
Ha! Yes, either that, or just waiting for that special someone to discover the Golden Discontinuity Easter Egg.

That black limousine should be pulling up at any moment now...
by dougger5
Sat Sep 07, 2019 10:29 am
Forum: Personal Investments
Topic: Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF
Replies: 8
Views: 706

Vanguard Total International Stock ETF holds shares of Vanguard Total International Stock ETF

I occasionally browse through the holdings of my various ETFs and mutual funds. I particularly like to sort on market value, lowest to highest, to see what holdings lurk at the "bottom of the barrel." Today I did that with Vanguard Total International Stock ETF (VXUS). The first bit of amusement was...
by dougger5
Tue Aug 20, 2019 11:04 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147378

Re: US Stocks in Free Fall thread

Following is easy - just go to the thread, click on the little wrench icon, and select "subscribe topic." But I'm not certain why you would want to, as just seeing it listed at/near the top occasionally seems to bring you some level of discomfort.
by dougger5
Sat Aug 03, 2019 12:34 pm
Forum: Personal Consumer Issues
Topic: Dentist: Is this acceptable?
Replies: 70
Views: 6495

Re: Dentist: Is this acceptable?

I find that rather odd as well.

At the least, I would examine the EOB (Explanation Of Benefits) very closely. If there's anything beyond the cleaning, es no bueno.
by dougger5
Wed Jul 31, 2019 10:41 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 146
Views: 16518

Re: What is your hobby and how did it come to be your hobby?

1. Another musician :happy In order of proficiency: Guitar, Bass, Keyboard; with Keys being a distant 3rd. Played out back in the 90's, but these days it's strictly recording. My stuff is on Spotify and other outlets...I probably make about $30.00 a year from that enterprise. I generally track mysel...
by dougger5
Thu Jul 04, 2019 12:12 pm
Forum: Investing - Theory, News & General
Topic: How do you brace for impact?
Replies: 65
Views: 6469

Re: How do you brace for impact?

JoMoney wrote:
Thu Jul 04, 2019 11:35 am
The birds in the sky don't save up or harvest, yet they endure through seasons good and bad...
Survivorship bias?

:D
by dougger5
Tue Jul 02, 2019 8:31 pm
Forum: Personal Consumer Issues
Topic: 2019 Subaru Forester Eyesight System?
Replies: 101
Views: 6055

Re: 2019 Subaru Forester Eyesight System?

I have a 2018 Crosstrek with Eyesight. I've always been a heavy cruise control user, and the adaptive system is outstanding. Wife's RAV4 has the Toyota version, and it's pretty good too. When I was rear-ended by a Jeep driver who evidently had no such system in operation, I drove a loaner while it w...
by dougger5
Thu Jun 27, 2019 3:25 pm
Forum: Investing - Theory, News & General
Topic: Why do 401k's limit investment options?
Replies: 30
Views: 2359

Re: Why do 401k's limit investment options?

Do you know, offhand, if this applies to SIMPLE IRAs? My wife has such a plan with American Funds, and I don't recall VG funds being offered. Hence why we make monthly transfers from that plan to a VG frozen SIMPLE IRA account. There are sort of two components to this question for SIMPLE IRA's. Fir...
by dougger5
Wed Jun 26, 2019 5:13 pm
Forum: Investing - Theory, News & General
Topic: Why do 401k's limit investment options?
Replies: 30
Views: 2359

Re: Why do 401k's limit investment options?

401k's are subject to ERISA and have some additional responsibilities / liability. Rather than accept the risks with that, many companies will turn it over to a third party to run. Some of those third-parties will limit the options to things that provide them with additional compensation. Sometimes...
by dougger5
Wed Jun 26, 2019 2:41 pm
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 6137

Re: Ally savings acct lowers rate by 10bp to 2.1%

This is the explanation I received from Ally. if you've been paying attention to the economic news lately, you've seen that after a period of increases, interest rates are on the downswing and projected to fall further. These market conditions impact all kinds of things, from mortgages to CDs to sa...
by dougger5
Wed Jun 26, 2019 9:11 am
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 6137

Re: Ally savings acct lowers rate by 10bp to 2.1%

I guess it makes me feel better for not rate chasing and moving my savings from Amex to Ally. And I'll feel better if it's an industry trend, otherwise I'll suspect something's up with Ally. Redneck Bank lowered their savings account from 2.5 to 2.4%. So, its a trend. Ah, there it is...now I feel b...
by dougger5
Wed Jun 26, 2019 9:09 am
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 6137

Re: Ally savings acct lowers rate by 10bp to 2.1%

atdharris wrote:
Wed Jun 26, 2019 8:28 am
I guess it makes me feel better for not rate chasing and moving my savings from Amex to Ally.
And I'll feel better if it's an industry trend, otherwise I'll suspect something's up with Ally.
by dougger5
Wed Jun 26, 2019 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Ally savings acct lowers rate by 10 bps to 2.1%
Replies: 40
Views: 6137

Ally savings acct lowers rate by 10 bps to 2.1%

Just noticed the APR on my Ally savings account just shrank a bit. Not that I didn't see it coming, although I had expected it might follow a Fed rate cut, as was the pattern of the increases.

Still waiting for the email from them trumpeting the change... :wink:
by dougger5
Sun Jun 23, 2019 9:45 am
Forum: Personal Investments
Topic: What percentage of total portfolio in REIT's do you have? Why? . . Why not?
Replies: 229
Views: 17632

Re: What percentage of total portfolio in REIT's do you have? Why?

REITs as a separate sector fund comprise about 1.7% of our entire portfolio, which is currently around 74/26. Like others, I started simplifying and reducing the number of holdings as I've adopted a more Boglehead approach. This REIT holding and VDIGX (Vanguard Dividend Growth Fund) are the remainin...
by dougger5
Tue Jun 18, 2019 6:55 pm
Forum: Personal Investments
Topic: VG website gone wonky?
Replies: 9
Views: 1311

Re: VG website gone wonky?

One thing I'll say for the new introductory screen: The balances reflect the true daily balance, as opposed to the old one, which was always a day behind.

I still prefer navigating to the familiar Balances & Holdings view next, which is still available from the top menu.
by dougger5
Wed Jun 12, 2019 8:30 pm
Forum: Personal Investments
Topic: VG website gone wonky?
Replies: 9
Views: 1311

Re: VG website gone wonky?

I experienced the same thing on my account today. It appears to be a reprise, or maybe a continuation of a (reallly slow) rollout as described in This Thread from last year.

I was a bit repelled by it...but unsure if that's because it's just so different from what I'm used to.
by dougger5
Mon May 27, 2019 5:29 pm
Forum: Personal Investments
Topic: 529 withdrawal strategy for niece
Replies: 11
Views: 1003

Re: 529 withdrawal strategy for niece

529 distributions from non parental plans can decrease financial aid eligibility, so it might be wise to wait. . Distributions from a 529 plan owned by anyone else will reduce eligibility for need-based aid by as much as 50% of the amount of the distribution. The grandparent can wait until after Ja...
by dougger5
Sun May 26, 2019 10:31 pm
Forum: Personal Investments
Topic: 529 withdrawal strategy for niece
Replies: 11
Views: 1003

Re: 529 withdrawal strategy for niece

529 distributions from non parental plans can decrease financial aid eligibility, so it might be wise to wait. . Distributions from a 529 plan owned by anyone else will reduce eligibility for need-based aid by as much as 50% of the amount of the distribution. The grandparent can wait until after Ja...
by dougger5
Sun May 26, 2019 9:58 pm
Forum: Personal Investments
Topic: 529 withdrawal strategy for niece
Replies: 11
Views: 1003

Re: 529 withdrawal strategy for niece

Good point, regarding the AOTC. Her single parent would definitely qualify in terms of MAGI. So reading the IRS webpage on AOTC , it doesn't mention exclusion of 529 funds, but I gather from your posts that the credit would be for expenses minus 529 and financial aid...and since 529 funds aren't co...
by dougger5
Sun May 26, 2019 6:20 pm
Forum: Personal Investments
Topic: 529 withdrawal strategy for niece
Replies: 11
Views: 1003

Re: 529 withdrawal strategy for niece

Good point, regarding the AOTC. Her single parent would definitely qualify in terms of MAGI. So reading the IRS webpage on AOTC , it doesn't mention exclusion of 529 funds, but I gather from your posts that the credit would be for expenses minus 529 and financial aid...and since 529 funds aren't com...
by dougger5
Sun May 26, 2019 10:49 am
Forum: Personal Investments
Topic: 529 withdrawal strategy for niece
Replies: 11
Views: 1003

529 withdrawal strategy for niece

My niece is enrolling in a community college this fall. She is the beneficiary of a 529 account I hold (Utah program, though I'm a PA resident). I got a bit of a late start, and so the account holds just enough funds to cover room/board (institution-run) for one semester. I've been reviewing options...
by dougger5
Sat May 11, 2019 9:04 am
Forum: Investing - Theory, News & General
Topic: Episode 006: "Bogleheads on Investing" with guest Dan Egan
Replies: 26
Views: 3561

Re: Episode 006: "Bogleheads on Investing" with guest Dan Egan

Good episode, as always. Egan's idea of "sharing in a customer's success" initially sounded like how hedge funds are compensated with a share of the profits. +1. Catching up with the podcast, as my post date betrays. I too thought that he was contemplating a sort of Robo-Hedge-Fund service. Otherwi...
by dougger5
Fri May 10, 2019 1:45 pm
Forum: Investing - Theory, News & General
Topic: Episode 006: "Bogleheads on Investing" with guest Dan Egan
Replies: 26
Views: 3561

Re: Episode 006: "Bogleheads on Investing" with guest Dan Egan

Good episode, as always. Egan's idea of "sharing in a customer's success" initially sounded like how hedge funds are compensated with a share of the profits. +1. Catching up with the podcast, as my post date betrays. I too thought that he was contemplating a sort of Robo-Hedge-Fund service. Otherwi...
by dougger5
Mon May 06, 2019 7:15 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147378

Re: U.S. stocks in free fall

J G Bankerton wrote:
Mon May 06, 2019 9:40 am
On May 2ed I bought VTI at 149, today I bought some at 148.19. It doesn't look like my limit order of 147.75 will execute.
I'm a bit disappointed.
148.19 is where my limit order executed - I had it set for 148.36 :beer

That must have been about where it opened - execution time was 9:33.
by dougger5
Sun May 05, 2019 9:36 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147378

Re: U.S. stocks in free fall

I have my Market Timing Lite® play all set up: Limit order for 1 share of VTI at ~1.5% below Friday's close. YOLO!!1! H-town says to move it to 5% :shock: Would not surprise me if it touched that intraday. Meh, I'll be fine if I catch my falling butter knife. Incidentally, every time I see a post b...
by dougger5
Sun May 05, 2019 9:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147378

Re: U.S. stocks in free fall

I have my Market Timing Lite® play all set up: Limit order for 1 share of VTI at ~1.5% below Friday's close.

YOLO!!1!
by dougger5
Sun Apr 21, 2019 8:41 pm
Forum: Investing - Theory, News & General
Topic: Efficient Markets Indeed
Replies: 49
Views: 4422

Re: Efficient Markets Indeed

https://www.marketwatch.com/story/zoom-technologies-soared-56000-in-the-past-30-days-as-unrelated-zoom-video-prepared-its-ipo-2019-04-18?mod=mw_theo_homepage Short version: People bid up the stock of a defunct company called zoom technologies by 56000% because it has a similar name as another compa...
by dougger5
Fri Apr 19, 2019 3:37 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7565

Re: American Funds vs Vanguard

We have a similar situation/strategy. The only difference is we have a frozen SIMPLE at VG, and do monthly transfers. AF balance never gets higher than a little bit more than one month's contribution + match. The local "advisor" told her in the introductory interview that this would not be possible...
by dougger5
Thu Apr 18, 2019 9:30 pm
Forum: Investing - Theory, News & General
Topic: American Funds vs Vanguard
Replies: 80
Views: 7565

Re: American Funds vs Vanguard

My wife's employer's SIMPLE is American Funds through a local broker. The sales loads are nuts. The only available fund without a load is a money market. She's maxed out on her VG Roth IRA, so we deposit enough into the money market to get her up to 12% of gross (also counting what goes into the VG...
by dougger5
Tue Apr 09, 2019 9:08 pm
Forum: Personal Investments
Topic: When to sell a Dud
Replies: 18
Views: 1357

Re: When to sell a Dud

I have 3 shares of Metalink Ltd (MTLK), dating back to the bubble years of the late-90's. Held in a Roth, and currently priced at $0.35/share. I've kept them for two reasons: 1) For the purpose as stated in the above quote, and 2) because I can't see just throwing away $1.05 just so I don't have to...
by dougger5
Tue Apr 09, 2019 5:41 pm
Forum: Personal Investments
Topic: When to sell a Dud
Replies: 18
Views: 1357

Re: When to sell a Dud

Keep some of it in your account so that the "crime scene" red and the "60% LOSS" in the unrealized gain/loss tab is visible to you upon each and every login so you have a daily reminder that you have no business picking single stocks ever again. Works for me. I have 3 shares of Metalink Ltd (MTLK),...
by dougger5
Tue Apr 09, 2019 5:22 pm
Forum: Personal Consumer Issues
Topic: How Much Do You Pay For Haircut?
Replies: 115
Views: 7298

Re: How Much Do You Pay For Haircut?

$25, tip usually $6. Tip can go to $10, if that's the smallest bill I have.

Oh, and every 4 weeks.
by dougger5
Sat Mar 30, 2019 9:05 pm
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 1589
Views: 173499

Re: [What TV Show Have You Recently Watched?]

I'll stick to the recently-watched question, the answer being The Walking Dead S9 E15 "The Calm Before" from last week. Regarding the series, dunno, guess I'm a glutton for punishment. Had to watch this episode online this afternoon, as along with millions of others, my DVR didn't get the last 25 mi...
by dougger5
Sat Mar 23, 2019 5:20 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 12414
Views: 2147378

Re: U.S. stocks in free fall

Always happy when this occurs on a payday, so my TSP contribution goes in at a lower price. Your contributions go in on Friday? I thought mine do on Monday. My TSP contribution goes in on Thursday. My SIMPLE IRA contribution goes in any time between the 1st and the 30th of the month, seemingly rand...
by dougger5
Wed Mar 13, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: Rick and Larry on Bloomberg 3/13
Replies: 12
Views: 2084

Re: Rick and Larry on Bloomberg 3/13

Also - there seems to be some confusion around the pronunciation of Larry's surname: Swee-droh vs. Sweh-droh.
by dougger5
Tue Feb 26, 2019 6:21 pm
Forum: Personal Investments
Topic: Proposed portfolio update for 79yo retiree
Replies: 3
Views: 556

Re: Proposed portfolio update for 79yo retiree

...Actually, after a fresh look, if we reduce the each single stock holding at the same proportion, there would be a net loss realized.
by dougger5
Sun Feb 24, 2019 7:45 pm
Forum: Personal Investments
Topic: Proposed portfolio update for 79yo retiree
Replies: 3
Views: 556

Re: Proposed portfolio update for 79yo retiree

I propose to consolidate the non-cash assets into a single fund, the VG Target Retirement Income Fund. dougger5: Your 79 year old mother is faced with a dilemma: Whether it is worthwhile to sell stocks (with capital-gains) OR continue holding the stocks until death when all capital gains will be ca...
by dougger5
Sun Feb 24, 2019 5:39 pm
Forum: Personal Investments
Topic: Proposed portfolio update for 79yo retiree
Replies: 3
Views: 556

Proposed portfolio update for 79yo retiree

The dip this past December brought into focus a point I've been trying to get across to DM, the titular 79yo, which is that she's too equity-heavy. She has a taxable portfolio with a large exposure to individual stocks, concentrated in two sectors. Sometime in the next 12 months or so, she may trans...
by dougger5
Sun Feb 24, 2019 1:17 pm
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3136

Re: First time to Hawaii

You should have a car for Maui. What do you consider active ?There was downhill biking from the crater top to Paia last I was there OR you can rent a quality road bike in Paia and ride up the 10,000 ft and then come down on your own . One of my favorite memories from our trip, along with the sunris...
by dougger5
Sun Feb 24, 2019 12:38 pm
Forum: Personal Investments
Topic: Opening up a ROTH for my nieces
Replies: 20
Views: 1438

Re: Opening up a ROTH for my nieces

With regard to minimum investment, if you use ETFs, the minimum is the cost for one share of the particular ETF. For example, when I started my Roth at Vanguard I eventually wanted to have it composed mainly of LifeStrategy Growth. I gradually built up shares of a couple broad market VG ETFs, and wh...
by dougger5
Sun Feb 24, 2019 11:51 am
Forum: Personal Consumer Issues
Topic: First time to Hawaii
Replies: 44
Views: 3136

Re: First time to Hawaii

We were in Maui for 7 days last month, so I can speak to The Valley Isle. I'd say the most singular experience was witnessing the sunrise from atop the Haleakala Volcano. We used a tour company for this, even though we did have a rental car. They pick you up at 3am, and give you a good spot to watc...