Search found 1067 matches

by Vanguard Fan 1367
Sat Sep 14, 2019 9:30 am
Forum: Investing - Theory, News & General
Topic: Fidelity beating vanguard now? switch to Fidelity?
Replies: 117
Views: 4151

Re: Vanguard is Falling Behind Compared to Fidelity

I love these threads about Fidelity vs Vanguard or Vanguard vs Fidelity. I have accounts at both. It should come as no surprise that the best brokerage is the one that you never have to access or login to. I was talking to my wife this morning about the fees we would have if we were at one of the 1...
by Vanguard Fan 1367
Sat Sep 14, 2019 1:02 am
Forum: Personal Finance (Not Investing)
Topic: The Best Financial Advice I Ever Got
Replies: 8
Views: 2979

Re: The Best Financial Advice I Ever Got

Everyone loves a Jack, but I don’t care for this advice from the article: . Never open one of your 401(k) statements from the day you start work to the day you retire, 40 or 50 years later. When you open that last statement, never having looked at it along the way, you are not going to believe how ...
by Vanguard Fan 1367
Sat Sep 14, 2019 12:48 am
Forum: Personal Investments
Topic: Which stock would you invest in?
Replies: 13
Views: 1394

Re: Which stock would you invest in?

I vote for VNQ.
by Vanguard Fan 1367
Fri Sep 13, 2019 8:00 am
Forum: Personal Investments
Topic: Too Late To Get Back Into Stocks?
Replies: 114
Views: 8562

Re: Too Late To Get Back Into Stocks?

Last month, after one too many tweets that costing me at closing time, I decided to bail out of stocks just above DOW 26,000, at least until this trade war gets settled. Now that the Dow is above 27,000 and very close to the 52-week high I'm not too keen on testing my luck and the market's ability ...
by Vanguard Fan 1367
Fri Sep 13, 2019 7:55 am
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 50
Views: 7551

Re: Vanguard Flagship Services -- Another One Bites the Dust

I moved about 14M from Vanguard to Schwab for one basic reason...I cant wait 20-30 minutes on a phone to talk with someone...and I also turned boglehead and went with may fewer funds...and will be at 3 funds once the tax dust settles and all...service is king to me. I thought about arranging my aff...
by Vanguard Fan 1367
Wed Sep 11, 2019 5:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship Services -- Another One Bites the Dust
Replies: 50
Views: 7551

Re: Vanguard Flagship Services -- Another One Bites the Dust

I had a couple of consults about my portfolio before I knew the magic of John Bogle's advice. I thought the Vanguard Consultant's advice to consider Vanguard's Total Stock Market Index fund to be not something I was interested in. Now a number of years later I am looking to mostly make that my main ...
by Vanguard Fan 1367
Sat Sep 07, 2019 7:22 pm
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10679

Re: Did I commit a tipping faux pas?

What about fast casual where you order at the counter, and maybe they bring the food to your table? In the past, I never left a tip, even if you weren't expected to bus your own table. Then, one time, I saw that somebody had left a buck. I talked to the bus person. I said, "Do people leave tips?" H...
by Vanguard Fan 1367
Fri Sep 06, 2019 6:55 pm
Forum: Personal Investments
Topic: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI
Replies: 14
Views: 1798

Re: I sold my Johnson and Johnson and Eli Lilly stock, bought VTI

bluquark wrote:
Fri Sep 06, 2019 6:08 pm
Did you plan for the tax bill?
I didn't when I sold my JNJ a few years ago when they faced billions in govt fines and lawsuits. The wife was unhappy I sold.
by Vanguard Fan 1367
Fri Sep 06, 2019 6:13 am
Forum: Personal Consumer Issues
Topic: Did I commit a tipping faux pas?
Replies: 99
Views: 10679

Re: Did I commit a tipping faux pas?

I didn't tip my movers. It wasn't on my radar. If I move again I will plan to cough up 20 bucks for each of the helpers.
by Vanguard Fan 1367
Thu Sep 05, 2019 3:23 pm
Forum: Personal Investments
Topic: ERs Too Bad to Invest?
Replies: 5
Views: 695

Re: ERs Too Bad to Invest?

I don't think your S & P 500 fund is too bad. I did that in a situation where they added .5 percent to the S & P 500 fund and it helped tremendously in building retirement assets.
by Vanguard Fan 1367
Thu Sep 05, 2019 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Beach City / Town in Florida
Replies: 56
Views: 5756

Re: Beach City / Town in Florida

You have quite a choice from Pensacola to north of Jacksonville following the coast. I have enjoyed Sebastian, Key West, Pensacola, Panama City Beach, Seaside, Venice, Longboat Key, St. Petersburg, Tarpon Springs, just to name a few. I like the show Beachfront Bargain and they showed an interesting ...
by Vanguard Fan 1367
Wed Sep 04, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Waze gives wrong directions;now gmaps too; any others I can use?
Replies: 33
Views: 3130

Re: Waze gives wrong directions;now gmaps too; any others I can use?

I and another passenger loaded up an address the other day. She had Waze and I had Google Maps. We went the Waze way and by then had gone several miles out of our way on our way to the address which Google Maps correctly identified. In my hands Google Maps works better than my car's gps and any othe...
by Vanguard Fan 1367
Wed Sep 04, 2019 2:42 pm
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 5919

Re: Very bad day

LiterallyIronic wrote:
Wed Sep 04, 2019 2:18 pm
goodenyou wrote:
Wed Sep 04, 2019 2:02 pm
Is it a RBD or an RBD?
It's an. It's not based on whether the first letter is a vowel, it's based on whether the word starts with a vowel sound.

Is the r in really a vowel sound?
by Vanguard Fan 1367
Wed Sep 04, 2019 10:24 am
Forum: Investing - Theory, News & General
Topic: Very bad day
Replies: 39
Views: 5919

Re: Very bad day

Before I read John Bogle's books I thought the same way. Wait for a down day and then invest. I now agree with Bogle that I don't know how to time the market and I don't know anyone who knows anyone who can time the market. The last time the market was down 50 percent I wasn't a Boglehead. I admire ...
by Vanguard Fan 1367
Tue Sep 03, 2019 8:40 pm
Forum: Personal Investments
Topic: How do you let go of decisions that turned out to be the wrong ones?
Replies: 63
Views: 4708

Re: How do you let go of decisions that turned out to be the wrong ones?

The decision that you call "wrong" is one where people that I trust say something like it is pretty tough to predict interest rates. I do like John Bogle's advice to have some sort of asset allocation for retirement funds that includes stocks and bonds but with both of those assets he doesn't recomm...
by Vanguard Fan 1367
Mon Sep 02, 2019 11:21 am
Forum: Investing - Theory, News & General
Topic: Fidelity: When Zero does not mean free
Replies: 108
Views: 10620

Re: Fidelity: When Zero does not mean free

We do seem to be like Elmer Fudd hunting for that wascawy wabbit. Except the rascals are the mutual fund companies hiding fees. I am sure there are a lot of subtle tricks that fund companies use to make a buck, but hey, this is America. Turning a buck is almost written in our DNA. I appreciate Vang...
by Vanguard Fan 1367
Sun Sep 01, 2019 11:29 pm
Forum: Investing - Theory, News & General
Topic: Fidelity: When Zero does not mean free
Replies: 108
Views: 10620

Re: Fidelity: When Zero does not mean free

At one time I owned a Fidelity Total Market Index fund with .07 percent expense ratio. That fund blessed me financially greatly and the .07% is close enough to zero to make me happy.

I hope that their zero funds are a win for them and a win for the investors. I appreciate openness in charges.
by Vanguard Fan 1367
Sat Aug 31, 2019 3:54 am
Forum: Personal Finance (Not Investing)
Topic: Social security now or latet
Replies: 19
Views: 1646

Re: Social security now or latet

I am going to try to wait till 70 to take my Social Security. I don't need the money now and would like the extra monthly payout in case there is some sort of market correction.
by Vanguard Fan 1367
Sat Aug 31, 2019 3:51 am
Forum: Personal Finance (Not Investing)
Topic: Florida Home Insurance Offsets Tax Advantage?
Replies: 28
Views: 2097

Re: Florida Home Insurance Offsets Tax Advantage?

Sarasota here. 2550 sf home, built 1998, worth about $450k. Insurance is about $1400 per year. Flood insurance about $450. Not directly in flood zone. HOA is modest, $800. Prop taxes about $3300. Edit.. now that I'm retired I want to move away from here for a potpourri of reasons Pretty amazingly l...
by Vanguard Fan 1367
Thu Aug 29, 2019 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security age 70 or bust?
Replies: 81
Views: 4521

Re: Social Security age 70 or bust?

My biggest concern is spending down our modest nest egg, especially if there is a market turndown. That is my concern also which is why I want to wait till 70 to collect the Social Security. Things are rocking and rolling with the market today but who knows what happens in 10 to 25 years. Hopefully...
by Vanguard Fan 1367
Thu Aug 29, 2019 1:10 pm
Forum: Investing - Theory, News & General
Topic: Bond Investors Making A Killing
Replies: 85
Views: 8804

Re: Bond Investors Making A Killing

Vanguard's Long Term Corporate Bond Fund ETF is having happy times in 2019.

I am not a true Boglehead if I would buy such a thing but I figured if it made a relatively small part of my Asset Allocation in the Bond part I might be ok, and so far I am.
by Vanguard Fan 1367
Wed Aug 28, 2019 1:58 pm
Forum: Personal Investments
Topic: Money Market Funds - Taxable or Tax-Exempt?
Replies: 5
Views: 527

Re: Money Market Funds - Taxable or Tax-Exempt?

Vanguard's Tax Exempt Money Market is 1.32 % according to their website right now. The Vanguard Prime is 2.13%. I agree that 24 % tax rate is favoring the Vanguard Prime Money Market today.
by Vanguard Fan 1367
Wed Aug 28, 2019 1:05 pm
Forum: Personal Consumer Issues
Topic: Laser or inkjet
Replies: 58
Views: 3055

Re: Laser or inkjet

I like my black and white laser printers. If I want to photo print I go to the drugstore. I am pretty sure that they are cheaper to use than the cheap color inject printers.
by Vanguard Fan 1367
Wed Aug 28, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Charitable Donation - is stock or cash better?
Replies: 12
Views: 849

Re: Charitable Donation - is stock or cash better?

Without arguing about the personal tax benefits, I would also suggest asking the charity in question. It may not have the arrangements set up to accept securities. I should think colleges, the present instance, with endowments must be able to, but not all organizations will. PJW Of course if you wa...
by Vanguard Fan 1367
Wed Aug 28, 2019 6:59 am
Forum: Personal Finance (Not Investing)
Topic: Depositing Mobile Check Question
Replies: 12
Views: 741

Re: Depositing Mobile Check Question

I thank you for your input. I will try to write on the check where it goes in the future. I also got caught in what folks talk about in another thread, Vanguard discontinuing their Advantage accounts. So I opened up some accounts in Fidelity. I got the idea that to have joint accounts and individual...
by Vanguard Fan 1367
Tue Aug 27, 2019 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Depositing Mobile Check Question
Replies: 12
Views: 741

Depositing Mobile Check Question

I have a check that I am not sure if I deposited it somewhere. I am not seeing the deposit on any of my accounts. If somehow I deposited it twice what are the various penalties that can occur? Or will they just reject the check and if I do it in my Fidelity Account, maybe not even charge me? Thanks ...
by Vanguard Fan 1367
Tue Aug 27, 2019 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8019

Re: How to help an employee who is in debt and requesting a loan

fulltilt wrote:
Tue Aug 27, 2019 5:12 pm
Why do you think they might be trading off money for convenience/time like that?

Maybe they weren't raised by parents who grew up during the depression?
by Vanguard Fan 1367
Tue Aug 27, 2019 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off 0% car loan early
Replies: 52
Views: 2402

Re: Paying off 0% car loan early

I don't like debt either but it does seem like you can make a profit by investing the money, and 2 percent is fine. If you can sleep at night and enjoy your 2 percent profit I would recommend considering that. In another thread someone was talking about CDs that paid 2.5 percent. That might be somet...
by Vanguard Fan 1367
Tue Aug 27, 2019 2:50 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17120

Re: 4M 70K expenses would you stop?

So, let's assume $4 million in a 60/40 allocation becomes $2.8 million in 2021 when a 2008 type drop occurs. With a $4 million portfolio and 70k a year spending, why would you have a 60/40 portfolio? If you have the game won, quit playing. They could buy tips, CD's to keep up with inflation. They c...
by Vanguard Fan 1367
Tue Aug 27, 2019 9:47 am
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17120

Re: 4M 70K expenses would you stop?

AllenSmith wrote:
Tue Aug 27, 2019 9:39 am
is this a serious questions or a brag post?
I believe that the original poster says that he/she is asking the question rhetorically.
by Vanguard Fan 1367
Tue Aug 27, 2019 9:19 am
Forum: Personal Investments
Topic: Sold my Business (2.2 Million)! Where to store proceeds while I think?
Replies: 74
Views: 8252

Re: Sold my Business (2.2 Million)! Where to store proceeds while I think?

I would feel ok with Vanguard's Prime Money Market Fund. But for you it might not be worth the little extra that you get with it, today it says that the yield is 2.13% I also have done well with Vanguard's Tax Managed Balanced Fund which is 50 percent Stocks and 50 percent Bonds. (VTMFX) But of cour...
by Vanguard Fan 1367
Tue Aug 27, 2019 9:04 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8019

Re: How to help an employee who is in debt and requesting a loan

I would gift the money and make it clear no additional help is available. That is what I am leaning to. This will come out of my wife's personal account, not the business account ( our personal accounts are shared). I am concerned that other than making my wife feel better for the short term it wil...
by Vanguard Fan 1367
Mon Aug 26, 2019 1:45 pm
Forum: Personal Finance (Not Investing)
Topic: 4M 70K expenses would you stop?
Replies: 153
Views: 17120

Re: 4M 70K expenses would you stop?

If I enjoyed my job I would consider continuing working. If there was something else I wanted to do and couldn't do it without quitting the job I would feel free to quit my job and go do that thing or those things.
by Vanguard Fan 1367
Mon Aug 26, 2019 7:39 am
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8019

Re: How to help an employee who is in debt and requesting a loan

Reading this thread reminded me of a passage in Liar's Poker (Micheal Lewis).... It's important to note that the money was not given directly to the employee, but rather paid directly to the creditor in question. Yes, not a bad idea. Most of us have had an experience probably where we gave someone ...
by Vanguard Fan 1367
Fri Aug 23, 2019 9:14 pm
Forum: Personal Finance (Not Investing)
Topic: How to help an employee who is in debt and requesting a loan
Replies: 110
Views: 8019

Re: How to help an employee who is in debt and requesting a loan

That is a tough one. In one case an employee asked for a loan and I said that if that employee would resign I would give them the money. And I gave them more than the loan requested. We found a better employee without the financial and other drama. In another case I agreed to do a loan for an employ...
by Vanguard Fan 1367
Thu Aug 22, 2019 9:36 am
Forum: Personal Investments
Topic: VFIAX or VOO?
Replies: 21
Views: 1132

Re: VFIAX or VOO?

I like either choice. Your question makes me think of friends who like to go to places that charge Assest Under Management fees of maybe 1% plus sell mutual funds with expense ratios of maybe 1% and have a load of up to 5 percent. Congratulations for having two great choices with your question and s...
by Vanguard Fan 1367
Thu Aug 22, 2019 8:21 am
Forum: Personal Finance (Not Investing)
Topic: Prepare for Recession?
Replies: 74
Views: 9800

Re: Prepare for Recession?

There has been a lot of talk recently about the upcoming recession. The rumor is that a recession is coming in the next 12 months. So do we need to do anything to prepare for it? All I can think of is to stack up emergency funds because if we lose jobs, it will be difficult to find a new one. Anybo...
by Vanguard Fan 1367
Tue Aug 20, 2019 3:10 pm
Forum: Personal Investments
Topic: Anyone else more aggressive in retirement than required?
Replies: 52
Views: 4181

Re: Anyone else more aggressive in retirement than required?

As retirees in the RMD stage, the combination of available assets, SS, a small pension and spending patterns result in an analysis that my spouse and I should easily be able to fund our retirement and have "Won the game" from that perspective. However, we continue to have a 60/40 portfolio in spite...
by Vanguard Fan 1367
Tue Aug 20, 2019 8:16 am
Forum: Personal Finance (Not Investing)
Topic: Are we financially okay?
Replies: 64
Views: 8195

Re: Are we financially okay?

I never understood these questions, I find them quite disingenious. You are worth 5mm and you are asking if you are okay financial? OP, Do you not see an issue with that ? I appreciate the help with questions. Sometimes even talking about a problem or putting it down on paper can help solve it. Tha...
by Vanguard Fan 1367
Tue Aug 20, 2019 8:08 am
Forum: Investing - Theory, News & General
Topic: Investing with ballooning us debt levels?
Replies: 22
Views: 1823

Re: Investing with ballooning us debt levels?

I messed up my investing life in 1980 reading "How To Prepare for the Coming Bad Times". Later I read "How to Prepare for the Coming Economic Earthquake." Both of these books talked about problems with ballooning US debt levels. Even the great John Bogle said that we are borrowing at unsustainable l...
by Vanguard Fan 1367
Tue Aug 20, 2019 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Credit card annual fee coming up - what to do?
Replies: 25
Views: 2755

Re: Credit card annual fee coming up - what to do?

I do like the ideas involving not paying a fee. I don't pay a fee with my Fidelity 2% back credit card. I spend enough that most Bogleheads would appreciate the thousands going towards a Fidelity account over the years.
by Vanguard Fan 1367
Tue Aug 20, 2019 7:05 am
Forum: Personal Finance (Not Investing)
Topic: Risk associated with house value declining?
Replies: 34
Views: 1887

Re: Risk associated with house value declining?

If I am borrowing to buy real estate I like for the lender to accept the property as the total collateral for the loan and not make me sign something that I am responsible to make up any difference if the value drops. Do banks actually agree to these terms? I have had that kind of loan before. I ha...
by Vanguard Fan 1367
Mon Aug 19, 2019 3:48 pm
Forum: Personal Consumer Issues
Topic: Poll: Beater or Luxury car for long daily commute
Replies: 33
Views: 1201

Re: Poll: Beater or Luxury car for long daily commute

Personally I would probably go for the beater. If you can afford the luxury, and want to, go for it.

I own a 2011 Ford Fusion which has a trade in value of about 2K. I would call that a beater and I enjoy driving it as it only has 54k miles.
by Vanguard Fan 1367
Mon Aug 19, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: Are we financially okay?
Replies: 64
Views: 8195

Re: Are we financially okay?

I had some cash when the 2007-2009 crash hit. I took that cash and paid off a rental property mortgage. I agree with those who suggest paying off the house.
by Vanguard Fan 1367
Mon Aug 19, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Is my advice to my cousin correct ? [OK to spend, not save, extra income]
Replies: 32
Views: 3652

Re: Is my advice to my cousin correct ?

My cousin is 5 years younger than I am-she is 65. She's a recent widow. I am a widow of 5 years - neither of us have adult children. Her departed husband was a fireman and she is a retired teacher -like me - so we have our own pensions and a percentage our deceased husband's pensions. She owns a $1...
by Vanguard Fan 1367
Mon Aug 19, 2019 10:17 am
Forum: Personal Finance (Not Investing)
Topic: Close on first home on Wednesday, might not take possession until 30 days... advice please
Replies: 48
Views: 3593

Re: Close on first home on Wednesday, might not take possession until 30 days... advice please

My parents weren't happy with a house they bought where the folks took their time moving out. Other than my parents having to pay for a motel to have some place to stay it worked out. Hopefully in 30 days they will be gone and not taking advantage of their cheap 100 dollar a day rent beyond that. I ...
by Vanguard Fan 1367
Mon Aug 19, 2019 9:36 am
Forum: Personal Investments
Topic: Received a 1 million windfall and what to do with it
Replies: 16
Views: 3511

Re: Received a 1 million windfall and what to do with it

Hi, I received a 1 million windfall. I'm 30, married, have a steady job, well paid, I'm ready maxing out my 401k and my IRA, saving rate is high. We do not plan to buy a house in the next 5 years, we do not have children and do not plan to have some in the next five years. I like simplicity. All my...
by Vanguard Fan 1367
Mon Aug 19, 2019 9:28 am
Forum: Personal Finance (Not Investing)
Topic: Risk associated with house value declining?
Replies: 34
Views: 1887

Re: Risk associated with house value declining?

I am in Florida and bought a house in 2002. I sold it in 2014 for 15k less than I paid for it. For me this wasn't a big deal because I could handle the loss financially with no problem. I like to pay cash for my houses because it does lessen that risk you talk about. It does seem like that if the ba...
by Vanguard Fan 1367
Sun Aug 18, 2019 6:39 pm
Forum: Investing - Theory, News & General
Topic: The W’s [Wellesley or Wellington] over a bond fund?
Replies: 27
Views: 3202

Re: The W’s over a bond fund?

It looks like both the W’s have higher yields than vanguards total bond fund. Would anyone consider using one or both of these in place of total bond? Sorry if this has been discussed already. Thanks! Starchild High yield Corporate has a higher yield too. Why not that instead of a W? At least it's ...
by Vanguard Fan 1367
Thu Aug 15, 2019 2:43 pm
Forum: Personal Investments
Topic: Did I do a smart or dumb thing
Replies: 20
Views: 3241

Re: Did I do a smart or dumb thing

Ps. Since I am saving a lot of $$$ this and every month not paying my advisor his blood sucking 1% I forgave myself for getting small transaction charges on my trades. I beg for forgiveness I am happy to pay small transaction fees and I am glad that you are in a situation where you don't have the 1...