Search found 92 matches

by invstar
Thu Jul 05, 2018 9:02 pm
Forum: Investing - Theory, News & General
Topic: Why does VXF hold so much cash? [Vanguard Extended Market ETF]
Replies: 10
Views: 828

Re: Why does VXF hold so much cash?

VXF = Vanguard Extended Market ETF
by invstar
Wed Jul 04, 2018 3:29 pm
Forum: Investing - Theory, News & General
Topic: Morningstar article [Bogleheads' Guide to the Three-Fund Portfolio]
Replies: 24
Views: 1651

Re: Independence Day and "The Three-Fund Portfolio"

:thumbsup

Congrats Taylor. It's a great review of your book. Thank you for sharing..
by invstar
Tue Jul 03, 2018 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Buying CDs from Vanguard
Replies: 20
Views: 2454

Re: Buying CDs from Vanguard

See this: https://youtu.be/IcXPgQ7qeio

You can sort the CDs listing by Yield to Maturity/Worst and then buy.You buy in 1000 units (i.e., 10 units is equal to $10,000).
I think Vanguard's commission is $2.
by invstar
Mon Jul 02, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Dividends are not coupons(interest)
Replies: 32
Views: 1809

Re: Dividends are not coupons(interest)

Why do they call bond fund monthly/quarterly payments as dividends? Are they not coupons/interest payments?
by invstar
Mon Jul 02, 2018 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 6746

Re: Insight Card (APY 5%) full personal review

Looks like they haven't closed the accounts opened via phone. I had two accounts opened online and their saving accounts have been closed and I submitted an ACH pull for these two accounts. The other two accounts were opened by phone and "savings" accounts still exist for those two accounts. Not sur...
by invstar
Mon Jul 02, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 6746

Re: Insight Card (APY 5%) full personal review

I just checked and they have deposited the quarter's interest payment but haven't moved the money from savings into the card yet. I will wait until tomorrow and start an ACH transfer once the money is available in the card. RIP 5% savings account :( .. You're able to transfer it to the card yoursel...
by invstar
Sun Jul 01, 2018 10:45 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 6746

Re: Insight Card (APY 5%) full personal review

I just checked and they have deposited the quarter's interest payment but haven't moved the money from savings into the card yet. I will wait until tomorrow and start an ACH transfer once the money is available in the card. RIP 5% savings account :( ..
by invstar
Wed May 09, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Happy 89th birthday to [Jack] Bogle
Replies: 44
Views: 2727

Re: Happy 89th birthday to [Jack] Bogle

Happy Birthday Mr. Bogle!
by invstar
Mon Apr 30, 2018 6:58 am
Forum: Investing - Help with Personal Investments
Topic: Brokered CD - basic question about capital return
Replies: 1
Views: 213

Brokered CD - basic question about capital return

If I buy a brokered secondary CD of $50,000 face value by paying say $49,200, I know the coupon rate will be based on the face value ($50,000). When this CD gets matured, will I get $50k (face value of the CD) or $49,200 (the amount I paid to buy this CD)? Thanks.
by invstar
Fri Apr 27, 2018 8:20 pm
Forum: Investing - Help with Personal Investments
Topic: Considering a CD ladder
Replies: 45
Views: 7188

Re: Considering a CD ladder

:thumbsup May I ask, is there a simple "CD Ladder for Dummies" approach that you recommend? :?: I understand Fidelity has options, but it would also seem there would be additional costs associated with that. Frankly the above conversations are above my level of understanding/expertise. (thanks in ad...
by invstar
Tue Apr 24, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Muni Money Market funds starting to look good!
Replies: 139
Views: 25445

Re: Muni Money Market funds starting to look good!

I am looking at a Aa2/AA muni bond (CUSIP: 839278EP9) and it contains "Subject To - Sinking Fund 11/18@89.49" in it's description. What does it mean? Can I buy it? Issue name is South Pasadena Calif Uni Sch Dist - Election Of 1995.

Thanks.
by invstar
Tue Apr 24, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: CDs & Early Withdrawal Penalties
Replies: 7
Views: 836

Re: CDs & Early Withdrawal Penalties

I just did the same. I had 1.6 interest rate and it was opened in March 2017 (due in March 2019). I broke it and opened a secondary CD of 3 years for 2.9 rate at VG.
by invstar
Mon Apr 23, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Yield Curves-Treasury, CD, AA/AAA muni
Replies: 93
Views: 9585

Re: Yield Curves-Treasury, CD, AA/AAA muni

:thumbsup Kevin - Thanks for all the great info. I am learning a lot from your posts.. A few more clarifications and observations. For 0-year yield in tax-advantaged accounts, I use Prime money market yield, currently 1.79%. So this is the baseline for Treasury and CD curves, as those are what I'd l...
by invstar
Sat Apr 21, 2018 1:39 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Yesterday I purchased 40 quantity of 3-year CD (Wells Fargo Bk N A Sioux Falls S D CUSIP: 949763FW1) at Vanguard ($2 commission) @97.898 and yield (to maturity and worst) was 2.928 after commission. Coupon rate is 2.250. Do you think this is a good deal? Thanks. Guys I don't get it. The three year ...
by invstar
Sat Apr 21, 2018 12:59 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Yesterday I purchased 40 quantity of 3-year CD (Wells Fargo Bk N A Sioux Falls S D CUSIP: 949763FW1) at Vanguard ($2 commission) @97.898 and yield (to maturity and worst) was 2.928 after commission. Coupon rate is 2.250. Do you think this is a good deal? Thanks.
by invstar
Fri Apr 20, 2018 12:43 pm
Forum: Investing - Help with Personal Investments
Topic: Why am I even holding BND? It has only been losing me money.
Replies: 62
Views: 9198

Re: Why am I even holding BND? It has only been losing me money.

So is it the right time now to buy bonds since rates are high already and bond funds prices have gone down?
by invstar
Wed Apr 18, 2018 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis and Vanguard - Question
Replies: 2
Views: 382

Re: Cost basis and Vanguard - Question

Thanks Pranav. Is changing to SpecID really the worth it?
by invstar
Wed Apr 18, 2018 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Cost basis and Vanguard - Question
Replies: 2
Views: 382

Cost basis and Vanguard - Question

I had recently TLH'ed by selling my taxable assets (entire lot) and the cost basis method used was "Average cost" which was the default option. Since I had sold entire lot at once, there was no issue. But do you think it would be a better idea to change the cost basis method to "SpecID"? If yes, do ...
by invstar
Sat Apr 14, 2018 12:23 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin - Thanks. I will continue looking next week. Have a nice weekend.. Kevin - I couldn't find it today but how about this one - Morgan Stanley Bank, National Association Secondary2.8% due 4/12/2021 (CUSIP: 61747MT35) It's showing a yield of 2.87 (after $100 commission for 50 of them and net amoun...
by invstar
Sat Apr 14, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 6746

Re: Insight Card (APY 5%) full personal review

Hi BogleMelon - Did you try the third card and got it? Checking to see before I try the third one for myself.. I have one for myself and one for wife. What’s the limit? Seems like the 5% won’t last too long as netspend limits it to 1k and I don’t know of any others. Currently the limit is $5000 per ...
by invstar
Fri Apr 13, 2018 2:04 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin - I couldn't find it today but how about this one - Morgan Stanley Bank, National Association Secondary2.8% due 4/12/2021 (CUSIP: 61747MT35) It's showing a yield of 2.87 (after $100 commission for 50 of them and net amount is 49919.18). Please let me know if this is a good deal. Thanks, inv* A...
by invstar
Wed Apr 11, 2018 8:41 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Thanks Doc. So are secondary CDs not advised?
by invstar
Wed Apr 11, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 320
Views: 42601

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin - Thanks for this info. Most of us didn't know these options in VG (or Fidelity). I just checked in VG, is the following a good buy? CUSIP: 48126XA54 Issue: JP Morgan Chase 48 MO Callable 06/18@100 Maturity Coupon: 03/15/2021 1.750 Price bid: 98.699 Yield to worst bid: 2.658 Yield to maturity ...
by invstar
Wed Apr 11, 2018 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?
Replies: 17
Views: 2741

Re: Is it a good time to invest in Vanguard Intermediate-Term Bond fund?

Why do people care about price and not total returns for bonds? I mean, if I open a 5 year 2.6% CD with 50k - my annual return would be $1300. Let's say an intermediate bond fund returns around 3% ($1500), doesn't it mean that the bond fund is better than the CD?
by invstar
Wed Apr 04, 2018 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Maryland 529 College Investment Plans
Replies: 13
Views: 1506

Re: Maryland 529 College Investment Plans

This is a relatively specific question and I'm not sure if anyone will know, but thought I'd ask. I currently have separate 529 College Investment Plans for my 2 children and file my taxes as "Married filing Jointly" with my wife. My understanding of these accounts is that you can deduct up to $250...
by invstar
Tue Apr 03, 2018 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Insight Card (APY 5%) full personal review
Replies: 63
Views: 6746

Re: Insight Card (APY 5%) full personal review

BogleMelon -

Does your wife have good credit history? Try calling them and order over phone. I had to do the same for my spouse.

When you ordered second card, did you provide the same exact information as the first one? I just added money to my first one and moving on to order the second one.
by invstar
Sun Mar 25, 2018 7:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Thanks Earl!
Earl Lemongrab wrote:
Sun Mar 25, 2018 2:59 pm
Yes, that's what it means. Keep going, you at least want to get to 3k.
by invstar
Sun Mar 25, 2018 11:34 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

So I have exchanged all the funds again with VTSAX from VLCAX (after more than 30 days of previous TLH as explained in this post). Below is the screenshot from my "Realized Gains & Losses" for this taxable account. From this, can I assume that I will be able to report 2566.85 towards losses OR am I ...
by invstar
Fri Mar 23, 2018 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Asset Allocation Review

Great income here - maximizing all available 401k and individual retirement savings accounts is the right way to go. With that great income, retirement saving totals look a little light. For me, I would not mind leaning toward the heavy side for equity allocation. (And I did, while accumulating.) A...
by invstar
Thu Mar 22, 2018 1:30 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Asset Allocation Review

Duckie, It's for retirement only and I didn't know how to invest it (lack of investment knowledge until last year). I am planning to move around 100k from into investment accounts and will cover the bonds allocation part.. I will use the cash in CD accounts to rebalance and adjust the allocations by...
by invstar
Thu Mar 22, 2018 11:46 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Asset Allocation Review

Thanks longleaf. I will get rid of high expensive funds and reallocation assets. I will consider VWITX in taxable but I will need to add from my cash accounts. I will think about it.. I agree with Duckie's analysis and recommendations. Definitely get rid of the "Oppenheimer Developing Markets Fund C...
by invstar
Thu Mar 22, 2018 11:43 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Asset Allocation Review

Thanks Peter. I still have to learn a lot about bond funds so until then, I will stick to 80% stocks and probably 20% of it on international.. I like Duckie's plan a lot. Here are my minor deviations: I'm okay with 80% stocks, but would prefer 70% until about the age of 50. Then slowly work your way...
by invstar
Thu Mar 22, 2018 11:42 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Asset Allocation Review

Thanks Duckie. This is very helpful. I will use the cash in CD accounts to rebalance and adjust the allocations by this weekend. Thank you very much.. Age: 43, wife: 39 and kids (14, 9) <snip> Desired Asset allocation: 80% stocks / 20% bonds (Please suggest) At your ages I suggest at least 30% bonds...
by invstar
Wed Mar 21, 2018 8:55 pm
Forum: Investing - Theory, News & General
Topic: [Federal Reserve hikes interest rate]
Replies: 34
Views: 4281

Re: Fed raises the fed rate, markets do not look efficient

So is it the right time to buy new BND funds?
by invstar
Wed Mar 21, 2018 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Re: Current Portfolio Review and Help with the new Strategy

Thanks longleaf. I will look into 401k funds by ER once again but our plan doesn't offer better funds (ER point) right now. Do you think I should move from Blue Chips fund (BCH002) to S & P mid and small caps? Their ER is .31 (same as large cap). Then, I can do similar adjustments in VG accounts. I ...
by invstar
Tue Mar 20, 2018 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation Review
Replies: 13
Views: 1410

Asset Allocation Review

Dear BHs, I have been regularly reading the posts, information and wiki articles on this site since more than an year and have learnt a lot in the past year. The help you all are providing here is really valuable and incredible. Thanks to everyone. I have been saving since few years but never invest...
by invstar
Sun Mar 04, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: CD - Early Withdrawal and Reinvest
Replies: 11
Views: 991

Re: CD - Early Withdrawal and Reinvest

Thank you all for good suggestions. One question regarding penalty payment and tax deduction. I had paid tax on last year's interest already (around on $1000 interest). If I withdraw now, I will have to pay penalty of around $600 which includes this years interest of $200 and last year's interest of...
by invstar
Sun Mar 04, 2018 11:34 am
Forum: Personal Finance (Not Investing)
Topic: CD - Early Withdrawal and Reinvest
Replies: 11
Views: 991

Re: CD - Early Withdrawal and Reinvest

Flobes wrote:
Sat Mar 03, 2018 3:51 pm
This might help:
When To Break A CD Calculator
Thanks Flobes.
by invstar
Sun Mar 04, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: CD - Early Withdrawal and Reinvest
Replies: 11
Views: 991

Re: CD - Early Withdrawal and Reinvest

This might help: When To Break A CD Calculator Since it gives a "Yes/No" answer, "Should I ..." instead of "When to ..." might be better in the link name, Flobes. To actually provide a "When to" answer, I developed a little spreadsheet that calculates the yield on the new CD needed to break even. H...
by invstar
Sat Mar 03, 2018 1:06 pm
Forum: Personal Finance (Not Investing)
Topic: CD - Early Withdrawal and Reinvest
Replies: 11
Views: 991

CD - Early Withdrawal and Reinvest

BHs, I opened a CD an year ago with an initial deposit of $80k. Interest rate on this CD was 1.6% and the maturity value (March 2019) is $82580. So far it earned around $1200. I am thinking of cancelling this CD and investing in a better CD/bonds where I am expecting at least 3% return (I don't need...
by invstar
Wed Feb 14, 2018 1:22 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Frontfoot Benefits Fee vs Invest
Replies: 2
Views: 166

Re: Pay off Frontfoot Benefits Fee vs Invest

Thanks jucor. Yes, I will be in this property for at least 15 years. I don't have any plans or intention to sell it until then.. Will you likely be in this property for another 15 years? If not, would the assessment fees transfer to new owner or be your responsibility? If you'll be there long term a...
by invstar
Wed Feb 14, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Pay off Frontfoot Benefits Fee vs Invest
Replies: 2
Views: 166

Pay off Frontfoot Benefits Fee vs Invest

Friends, I get an invoice for $620 every year to pay for the front-foot benefits (water & sewer facilities assessments). I still need to pay this fee installment this year + 15 more years and it will be a total of $9,920 (16 * $620 = $9,920). The assessments company is offering me an option to pay o...
by invstar
Tue Feb 13, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Livesoft, Thanks and Sure:). I was going through some of the previous posts by you (TLH, washsale, general and a lot others with real time examples and screenshots) and they are very useful for new comers and people trying to understand how these things work. Thanks a lot for your contributions to t...
by invstar
Mon Feb 12, 2018 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Thanks livesoft and everyone.. I have just exchanged both VTSAX and VTIAX with VLCAX (large cap). Actually since it's close to 4pm, I was in hurry and exchanged everything with VLCAX (I will review next month). So now everything ($27,837) will be in VLCAX. I haven't changed the cost basis from defau...
by invstar
Mon Feb 12, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Yes Livesoft. No more questions!! :happy

Thanks.
livesoft wrote:
Mon Feb 12, 2018 9:32 am
Good Listener is wrong on this. Does that help?
by invstar
Mon Feb 12, 2018 8:52 am
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Good Listener, Your question raised concerns again.. Livesoft/Codedude/Others.. please clarify.. Good Listener, Below are my sales of these two funds: 01/16/2018 - VTSAX - 10k 01/23/2018 - VTIAX - 10k 01/29/2018 - VTSAX - 5k 01/29/2018 - VTIAX - 5k Total of 15k. If I sell them tomorrow and buy other...
by invstar
Sun Feb 11, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Good Listener, Below are my sales of these two funds: 01/16/2018 - VTSAX - 10k 01/23/2018 - VTIAX - 10k 01/29/2018 - VTSAX - 5k 01/29/2018 - VTIAX - 5k Total of 15k. If I sell them tomorrow and buy other funds as explained in previous posts, how can it violate if I buy non-identical funds? Please re...
by invstar
Sun Feb 11, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Either way I am excited.. :) Thanks for all the info livesoft.. Livesoft, Thank you. I have two funds - VTSAX with $14k and VTIAX with $13.5k balance as of now (I have purchased $15k each = total of $30k). I am planning to exchange them with VTSAX-->VLCAX and VTIAX-->VFWAX admiral shares (as the bal...
by invstar
Sun Feb 11, 2018 5:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Livesoft, Thank you. I have two funds - VTSAX with $14k and VTIAX with $13.5k balance as of now (I have purchased $15k each = total of $30k). I am planning to exchange them with VTSAX-->VLCAX and VTIAX-->VFWAX admiral shares (as the balances would be more than 10k). I purchased these funds less than...
by invstar
Sun Feb 11, 2018 4:57 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Tax Loss Harvesting
Replies: 47
Views: 2945

Re: Help with Tax Loss Harvesting

Thanks thangngo. I will look into getting ETFs but can I do it this time if I buy ETFs? Does the 30 days rule still apply? Thank you All.. Also, do I need to wait until 30 days before I sell my current assets (which are in VTSAX and VFIAX?)? So I must wait until 02/29 to sell everything? Since I wil...