Search found 1528 matches

by Vanguard Fan 1367
Mon May 25, 2020 3:12 pm
Forum: Personal Consumer Issues
Topic: Robot vacuums
Replies: 18
Views: 895

Re: Robot vacuums

I have 2 Robot vacuums. At one time I loved them. One is an el cheapo 200 dollar one and the other is an older Roomba that cost about 850. Perhaps neither one is adequate, one being cheap and the other old but it is kind of a drag to put them both on our tile floor with area rugs and to have dirt le...
by Vanguard Fan 1367
Mon May 25, 2020 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 41
Views: 2967

Re: Advice Needed regarding debt

I am sorry for all your family is going through. I do not think your niece’s situation looks unusual. I think it probably is unusual for many participants of this forum. This forum is also very heavy on the put on your big girls pants and handle your responsibilities when it comes to finances. So Z...
by Vanguard Fan 1367
Sun May 24, 2020 9:12 pm
Forum: Personal Investments
Topic: 401k Fees Not Disclosed
Replies: 5
Views: 509

Re: 401k Fees Not Disclosed

My 401 had reams of paper mailed to me and the other participants including the fees. You are positive that those mailings didn’t happen for you?
by Vanguard Fan 1367
Sun May 24, 2020 7:05 pm
Forum: Personal Investments
Topic: Question about Edward Jones disapproval
Replies: 28
Views: 2376

Re: Question about Edward Jones disapproval

I had a coworker mention one of the high fee advisors and the amount of 800k. I am reading of fees in the 2% range to use those services plus 5% plus front end loads. If those figures are true then on an 800k investment you may pay 16 thousand plus per year in fees. At Vanguard they will let me buy ...
by Vanguard Fan 1367
Sat May 23, 2020 10:38 pm
Forum: Personal Finance (Not Investing)
Topic: Fight Over TOD Investment Account
Replies: 7
Views: 1555

Re: Fight Over TOD Investment Account

This was only recently resolved due to one cousin's health issues. After all amounts were disclosed, one cousin's son-in-law felt that his branch of the family should share. I had decided that I would not fight with my cousins over money, so the account in question will become part of the estate to...
by Vanguard Fan 1367
Sat May 23, 2020 10:05 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 41
Views: 2967

Re: Advice Needed regarding debt

Dave also recommends beans and rice and rice and beans.

My parents grew up during the depression and taught us kids how to live on a tight budget. That can help when tight money happens!
by Vanguard Fan 1367
Sat May 23, 2020 5:09 pm
Forum: Personal Investments
Topic: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?
Replies: 16
Views: 1463

Re: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?

TL;DR: You have a margin account and those "cash" shares are newly purchased, but will be switched over after 30 days. When you have a margin account, your securities are technically held in one of 2 sub-accounts: a "margin subaccount" or a "cash subaccount." You may only borrow against the securit...
by Vanguard Fan 1367
Sat May 23, 2020 5:00 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4375

Re: Something Fishy Here??

Anyone get a card with the wrong last name? My last name is diff than my spouse's - but we've filed the last 20 years of tax returns using both our full names - never been an issue before. Never changed anything that would confuse IRS. Now this card arrived with his first name and my last name. Sho...
by Vanguard Fan 1367
Sat May 23, 2020 8:59 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3831

Re: Tips to stick to a weight loss diet?

Everyone is different but I too have switched to a low carb Leto diet during this shelter at home... 25lbs down in 3 months... Low carb can be tough but I’ve been able to do it by splurging more on good proteins and fat to the point that I am not hungry... Yes keeping track of what you eat is a pai...
by Vanguard Fan 1367
Sat May 23, 2020 1:27 am
Forum: Personal Consumer Issues
Topic: Tips to stick to a weight loss diet?
Replies: 81
Views: 3831

Re: Tips to stick to a weight loss diet?

I guess a better question is, what are some tips to help stick to a weight loss (and then maintenance) way of eating? I do not want this discussion turning into medical advice that will get this locked. It's so easy to give into temptation. Any suggestions? Listen to “The Obesity Code“ on Audible.
by Vanguard Fan 1367
Fri May 22, 2020 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Something Fishy Here?? [CARES payment received via prepaid Visa]
Replies: 43
Views: 4375

Re: Something Fishy Here??

yangtui wrote:
Fri May 22, 2020 2:45 pm
when it comes to situations like this, google is your friend.
So is Bogleheads👍
by Vanguard Fan 1367
Fri May 22, 2020 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Advice Needed regarding debt
Replies: 41
Views: 2967

Re: Advice Needed regarding debt

I also am sorry for your loss. The student loan thing challenges several people that I know.

I hope that your niece will learn from this and do better in the future. I am glad she listens to Dave Ramsey.
by Vanguard Fan 1367
Fri May 22, 2020 4:20 pm
Forum: Personal Investments
Topic: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?
Replies: 16
Views: 1463

Re: Why is my Vanguard VSTAX fund split into a a regular and (Cash) funds?

I am getting the same in my Vanguard account with some of the funds. I agree that it leaves me dazed and confused🙄
by Vanguard Fan 1367
Fri May 22, 2020 2:37 pm
Forum: Personal Investments
Topic: Critque my Tax Loss Harvesting plan
Replies: 13
Views: 660

Re: Critque my Tax Loss Harvesting plan

As volatile as the market is I wouldn’t worry about dividends. If you have the loss Tuesday I would consider taking it Tuesday. I don’t like to be out of the market so if you can come up with a plan you like to sell and quickly get back in without doing a wash sale I would consider doing that. Agre...
by Vanguard Fan 1367
Fri May 22, 2020 2:24 pm
Forum: Investing - Theory, News & General
Topic: Another couple of TLH wash sale questions -- sorry!
Replies: 17
Views: 816

Re: Another couple of TLH wash sale questions -- sorry!

I think you really really really need to create a wash sale to ease your mind and see what happens. So yes, leave out selling the shares purchased with a dividend at first, then sell them the next day. I think I could explain all this until I am blue in the face, but until you do it, you won't get ...
by Vanguard Fan 1367
Fri May 22, 2020 2:00 pm
Forum: Personal Investments
Topic: Critque my Tax Loss Harvesting plan
Replies: 13
Views: 660

Re: Critque my Tax Loss Harvesting plan

That AGI does complicate the TLH!
by Vanguard Fan 1367
Fri May 22, 2020 1:51 pm
Forum: Personal Investments
Topic: Inherited Edward Jones Account: Transfer to Vanguard?
Replies: 12
Views: 656

Re: Inherited Edward Jones Account: Transfer to Vanguard?

I am a fan of Vanguard’s low fees. I certainly would recommend taking advantage of those fees.

Ellis says, “the less the fee the more for me”👍
by Vanguard Fan 1367
Fri May 22, 2020 1:46 pm
Forum: Investing - Theory, News & General
Topic: Warren Buffett "Most People Shouldn't Pick Individual Stocks"
Replies: 36
Views: 2678

Re: Warren Buffett "Most People Shouldn't Pick Individual Stocks"

I used to not feel that way. In our current Boglehead contest I put down my 3 biggest holdings. I am something like 61 out of 72 entries.

I took advantage of tax loss harvesting this March to totally get rid of my individual stocks. Stock picking is not my thing.
by Vanguard Fan 1367
Fri May 22, 2020 1:40 pm
Forum: Investing - Theory, News & General
Topic: Roth + Time vs Pretax + tax
Replies: 37
Views: 1785

Re: Roth + Time vs Pretax + tax

If your tax rate is the same at 18 thru end of retirement then it doesn't matter if you go Roth or Traditional. They will be equal. But in real life your taxes are variable so that's where the advice came from. Not sure what time has to do with it if your tax rate is the same. The great Warren Buff...
by Vanguard Fan 1367
Fri May 22, 2020 1:24 pm
Forum: Personal Investments
Topic: Fidelity HSA Investment
Replies: 27
Views: 2816

Re: Fidelity HSA Investment

I appreciate Fidelity taking care of my HSA for the .015% expense ratio of their S&P 500 fund. When I started index investing I seem to recall a .07% er for their total stock market fund. I would prefer that Fidelity go a little higher on their expense ratios than .015%. The free lunch can’t go on f...
by Vanguard Fan 1367
Thu May 21, 2020 8:11 pm
Forum: Personal Consumer Issues
Topic: Do you dislike recurring billing for gyms?
Replies: 68
Views: 3395

Re: Do you dislike recurring billing for gyms?

I dislike recurring billing. My gym asked me to pay a month or so when I quit going which I found annoying.
by Vanguard Fan 1367
Thu May 21, 2020 8:08 pm
Forum: Personal Investments
Topic: Tax Loss Harvesting
Replies: 4
Views: 335

Re: Tax Loss Harvesting

If you purchased all those in January you may be able to change to specific ID if you don’t sell anything using the average cost. You can change your option to specific ID on the website. It will take maybe more than a day for them to do that for you.

You have more options with specific ID.
by Vanguard Fan 1367
Thu May 21, 2020 6:06 pm
Forum: Personal Consumer Issues
Topic: Can I afford to buy an expensive guitar?
Replies: 34
Views: 1286

Re: Can I afford to buy an expensive guitar?

I had a friend with a Martin that would never let me touch it. So I always wanted a Martin and bought a cheap one about 9 years ago (around 900 bucks). i have really enjoyed that guitar. I understand the urge to buy a good Taylor, I might consider one today if I felt like I wanted another guitar. If...
by Vanguard Fan 1367
Thu May 21, 2020 5:54 pm
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 163
Views: 14832

Re: Vanguard High Dividend Yield Index Fund

I'm surprised that no one has yet explicitly compared the total return of Vanguard High Dividend Yield with Vanguard Total Stock Market. Here's a Morningstar growth chart that compares the admiral shares of these two mutual funds (VHYAX and VTSAX). The results should be practically the same for the...
by Vanguard Fan 1367
Thu May 21, 2020 2:08 am
Forum: Personal Finance (Not Investing)
Topic: investmenting books
Replies: 26
Views: 1331

Re: investmenting books

I was motivated to read Bogle’s books and bought the Kindle book “The John Bogle Reader”. It changed my life.
by Vanguard Fan 1367
Wed May 20, 2020 8:06 pm
Forum: Personal Investments
Topic: Finding Bogleheads forum saved me hundreds of thousands of dollars
Replies: 10
Views: 2387

Re: Finding Bogleheads forum saved me hundreds of thousands of dollars

Nice story on saving significant cash!

My time reading Bogle’s books and this forum has paid off nicely.
by Vanguard Fan 1367
Wed May 20, 2020 12:54 pm
Forum: Personal Investments
Topic: Change on dividend deposits being rounded down by broker?
Replies: 8
Views: 690

Re: Change on dividend deposits being rounded down by broker?

Hockey10 wrote:
Wed May 20, 2020 12:12 pm
Have you seen the movie "Office Space".

Is that about someone amassing a fortune skimming pennies out of accounts?
by Vanguard Fan 1367
Wed May 20, 2020 4:23 am
Forum: Personal Investments
Topic: Why no HSA at Vanguard?
Replies: 19
Views: 1376

Re: Why no HSA at Vanguard?

I can’t blame you for wanting all your assets in one place. I have 10k in a HSA that I moved to Fidelity a few weeks ago. I love John Bogle and Vanguard but have Fidelity for their Visa, and their Cash management and HSA.

I will keep my Vanguard accounts also.
by Vanguard Fan 1367
Wed May 20, 2020 4:10 am
Forum: Personal Investments
Topic: Change on dividend deposits being rounded down by broker?
Replies: 8
Views: 690

Re: Change on dividend deposits being rounded down by broker?

Either you are having some sort of communication breakdown or misunderstanding or something else is going on

My wife signed up to round up our electric bill with the change of less than 1 dollar going to the electric company’s charity. That sort of change can add up.
by Vanguard Fan 1367
Wed May 20, 2020 3:53 am
Forum: Investing - Theory, News & General
Topic: Vanguard High Dividend Yield Index Fund
Replies: 163
Views: 14832

Re: Vanguard High Dividend Yield Index Fund

abuss368 wrote:
Tue May 19, 2020 9:26 pm
Has anyone else invested in or considered this fund?
I had BND in a traditional IRA. After the recent stock market drop with interest rates in the toilet I decided to sell BND with a SEC yield under 2% and go with VYM and its yield of around 3.7%. We shall see what happens.
by Vanguard Fan 1367
Tue May 19, 2020 10:13 pm
Forum: Personal Finance (Not Investing)
Topic: Tried to get credit report - security questions don't match
Replies: 66
Views: 61658

Re: Tried to get credit report - security questions don't match

I got a notice from my car insurance that I didn’t get their best rate because I didn’t live 5 years at my current address. I had the same result as others with three questions that didn’t make any sense from Equifax. Hopefully I can get my Equifax report using information in this thread. My wife wa...
by Vanguard Fan 1367
Tue May 19, 2020 9:22 pm
Forum: Investing - Theory, News & General
Topic: Best Overall Online Brokerage Account
Replies: 31
Views: 2029

Re: Best Overall Online Brokerage Account

David Jay wrote:
Tue May 19, 2020 8:59 pm
decapod10 wrote:
Tue May 19, 2020 8:53 pm
F-150? That's pretty generous, I think of Bogleheads is more like a Toyota Corolla convention, lol.
Broad based index fund based portfolios are work trucks. Not flashy, but they haul the load.
In my hands the index funds have done a lot better job hauling the load than stock screeners.
by Vanguard Fan 1367
Tue May 19, 2020 4:08 pm
Forum: Personal Consumer Issues
Topic: Do you give mechanics 2nd (3rd) chances?
Replies: 22
Views: 1605

Re: Do you give mechanics 2nd (3rd) chances?

I once worked for an organization where the person in charge of my car gave the mechanic he used for my car a number of different chances. I am grateful that I survived that mechanic as I had a couple of brake failures that could have had serious consequences. I sure do enjoy finding a mechanic that...
by Vanguard Fan 1367
Mon May 18, 2020 3:22 pm
Forum: Personal Consumer Issues
Topic: What kind of sunglasses?
Replies: 77
Views: 3846

Re: What kind of sunglasses?

I am happy with my $199 Costas
by Vanguard Fan 1367
Sun May 17, 2020 8:51 pm
Forum: Investing - Theory, News & General
Topic: Post Retirement Withdrawl Strategies
Replies: 8
Views: 872

Re: Post Retirement Withdrawl Strategies

hello folks who have contributed all the information sources---many many thanks to you ! Printer86, reading your details is as if reading my own. I'll be doing exactly what you describe !. Other steps I need to do include consolidating my 401Ks (of which i have 3). Should something happen to me, it...
by Vanguard Fan 1367
Sun May 17, 2020 1:23 pm
Forum: Personal Investments
Topic: Ever Buy a “Good Cause” Stock?
Replies: 11
Views: 624

Re: Ever Buy a “Good Cause” Stock?

It’s pretty indirect, and a drop in a bucket overall, but a rising stock price can be a performance motivator for management and employees. I had a pharmacist friend who worked for Wal-Mart and he sometimes talked about how excited he was when the stock went up. This was in the early 80s and I wish...
by Vanguard Fan 1367
Sun May 17, 2020 12:31 pm
Forum: Personal Finance (Not Investing)
Topic: Weekly Credit Reports Now Available thru April 2021
Replies: 5
Views: 629

Re: Weekly Credit Reports Now Available thru April 2021

My auto insurance said that they couldn’t give me their best rate because of my credit report. I need to jump through Whatever hoops to figure out how to get my report because I am sure it has errors. If your auto insurance made an adverse decision based on your credit report, it is required by law...
by Vanguard Fan 1367
Sun May 17, 2020 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Does Delaying Social Security Deliver an 8% Return?
Replies: 92
Views: 7422

Re: Does Delaying Social Security Deliver an 8% Return?

The magic words here are "financial advisor" . If this person is collecting an assets-under-management (AUM) fee, I would have to wonder if the advisor had a selfish reason for suggesting your friend take SS immediately to grow the size of his/her nest egg and hence the advisors income. I would hav...
by Vanguard Fan 1367
Sun May 17, 2020 7:16 am
Forum: Personal Investments
Topic: Ever Buy a “Good Cause” Stock?
Replies: 11
Views: 624

Re: Ever Buy a “Good Cause” Stock?

I bought a "good cause" mutual fund at one time. That bombed pretty well so later I discovered John Bogle's books and took his advice and bought the whole market. I also for a while against my wife's advice bought what some have called "the perfect stock" Phillip Morris. ( PM) I am not in favor of c...
by Vanguard Fan 1367
Sun May 17, 2020 7:10 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 305
Views: 271219

Re: Please Try Out Test Posts Here

Pluto9th wrote:
Sun Jul 28, 2019 3:52 pm
Test posting image, following instructions in the BH wiki and using the Calculator.png:
Image
Hope it works.

The quick brown fox jumped over the lazy dog.
by Vanguard Fan 1367
Sun May 17, 2020 7:08 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 305
Views: 271219

Re: Please Try Out Test Posts Here

I've been coached to "reply with quote" to the respondents to my very first post. After I post this, I will attempt to "reply with quote". Experimenting to make sure I don't waste the time of the members of the community who were kind and patient in responding to my very first post. E Pluribus Funk
by Vanguard Fan 1367
Sun May 17, 2020 6:58 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 305
Views: 271219

Re: Please Try Out Test Posts Here

I've been coached to "reply with quote" to the respondents to my very first post. After I post this, I will attempt to "reply with quote". Experimenting to make sure I don't waste the time of the members of the community who were kind and patient in responding to my very first post. Emergency Funds...
by Vanguard Fan 1367
Sun May 17, 2020 6:52 am
Forum: Forum Issues and Administration
Topic: Please Try Out Test Posts Here
Replies: 305
Views: 271219

Re: Please Try Out Test Posts Here

saddle_tramp wrote:
Mon Feb 11, 2019 11:51 am
If at first you don't succeed try, try, again.
Trying to quote my previous post.

To be or not to be, that is the question.
by Vanguard Fan 1367
Sun May 17, 2020 6:21 am
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1634

Re: Weber Grill Will Not Light - Help

Chip wrote:
Sun May 17, 2020 6:16 am
It's too bad that the OP already owns a Weber, depriving so many of the opportunity to recommend junking the old grill and getting a Weber. :twisted:
Yes you are right!

My non-Weber experience with igniters is why I think it is easier to light gas grills with a flame.
by Vanguard Fan 1367
Sun May 17, 2020 2:27 am
Forum: Personal Investments
Topic: Considering turnover rate
Replies: 7
Views: 507

Re: Considering turnover rate

I tried various investments. Like you I like low turnover.
My favorite investment is VTI, Vanguard’s Total Stock Market ETF.

Vanguard says the turnover rate is 4.1 percent
by Vanguard Fan 1367
Sun May 17, 2020 1:34 am
Forum: Personal Finance (Not Investing)
Topic: Weekly Credit Reports Now Available thru April 2021
Replies: 5
Views: 629

Re: Weekly Credit Reports Now Available thru April 2021

I got 2 of the reports with no problem online. One of the companies asked me about things that I know nothing about. Since I didn’t know the answers they asked me to mail them some things so they could give me this report. My auto insurance said that they couldn’t give me their best rate because of ...
by Vanguard Fan 1367
Sun May 17, 2020 1:22 am
Forum: Personal Investments
Topic: Should I Transfer 401K to Roth 401K?
Replies: 34
Views: 2117

Re: Should I Transfer 401K to Roth 401K?

Hi. So, I'm in my mid 30s, have $150k in a Roth IRA, $25K in taxable, and $50K in my 401K. $25K of the 401K is Roth, and the other is Traditional. I can convert the Traditional portion to Roth online now. Should I do this and just pay those taxes now, so earning can accrue tax free or is it okay to...
by Vanguard Fan 1367
Sun May 17, 2020 1:10 am
Forum: Personal Consumer Issues
Topic: Weber Grill Will Not Light - Help
Replies: 34
Views: 1634

Re: Weber Grill Will Not Light - Help

I always manually light my Weber gas grill. There is a little hole in the front about 1 x 1/2 inches into which you can put a long match or extended lighter. Just turn the gas on for the first burner and then place the match or lighter. Once it lights, turn the others burners on and they should sel...
by Vanguard Fan 1367
Sun May 17, 2020 1:03 am
Forum: Investing - Theory, News & General
Topic: "The economy is in free fall. So why isn't the stock market?"
Replies: 153
Views: 15213

Re: What does Market know, that we did not know?

What does Market know, that we did not know? ======================================== Thanks for your replies to my threads. We are hearing about : High unemployment and job losses in Millions Many business are filing bankruptcy Federal Reserve says our economy in bad shape take a long time to reco...