Search found 17 matches

by yardarm
Wed Sep 12, 2018 10:32 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2161

Re: Vanguard electronic bank transfers

Thanks JoMoney; this was the information and experience that I was looking for. We currently do not have our Vanguard account linked to a bank or credit union and we are concerned for the security issues that may come into play. It sounds like that you have not had problems with using the link servi...
by yardarm
Tue Sep 11, 2018 10:02 am
Forum: Personal Consumer Issues
Topic: Vanguard electronic bank transfers
Replies: 22
Views: 2161

Vanguard electronic bank transfers

Prior to posting this topic, I did a search of the discussions on Bogleheads about ACH electronic transfers, check writing, and similar topics. There was a significant amount of discussion in the past but some of it is getting dated due to constantly evolving security concerns with hacking and vario...
by yardarm
Mon Jun 25, 2018 2:24 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454401

Re: The Three-Fund Portfolio

To this day, I still struggle (maybe too strong a word; change that to concern) with all the sage wisdom about simplicity in investing. So I went back and read the simplicity post again. The last of the words of wisdom, " Warren Buffett: "There seems to be some perverse human characteristic that lik...
by yardarm
Mon May 21, 2018 5:04 pm
Forum: Investing - Theory, News & General
Topic: "Why 97% of People Don't Use 529 College Savings Plans."
Replies: 262
Views: 50675

Re: "Why 97% of People Don't Use 529 College Savings Plans."

This has been an interesting thread. We are currently investing in a 529 plan for a grandchild which seems to be a variation of the theme; and we are certainly not trying to achieve anything near a maximum contribution. At any rate, who knows what the future holds. You could do worst than investing ...
by yardarm
Tue Jan 23, 2018 10:44 am
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454401

Re: The Three-Fund Portfolio

Thanks again Taylor. My focus to date has been on tax-advantaged accounts. I do have a personal problem with trust of international stocks and I need to give that more consideration. I look forward to reading your book and assume that the book would provide information regarding both taxable and tax...
by yardarm
Mon Jan 22, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454401

Re: The Three-Fund Portfolio

Taylor, I have enjoyed this Three-Fund Portfolio thread and the reasoning and logic you set forth in your January 2012 post, certainly make a compelling case. During the most recent Boglehead convention where JB took questions from the attendees (on video), he was asked by one person if having all h...
by yardarm
Tue Dec 26, 2017 11:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 120
Views: 33703

Re: Vanguard's new security key option

The security key sounds like something that might be worth buying and using for security on the VG account. Along this same thread, I have recently read where it may be prudent to invest in a computer that would be used solely for investment and banking purposes. The article has convinced me that it...
by yardarm
Fri Dec 01, 2017 11:35 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454401

Re: The Three-Fund Portfolio

Well Puddles, you bring up a couple of good points and actually my answers are both subjective. The perspective on investing in international equities and/or funds is simply a distrust of foreign accounting, valuations, and oversight; and at this juncture I would not take the risk when I consider th...
by yardarm
Wed Nov 29, 2017 9:13 pm
Forum: Investing - Theory, News & General
Topic: The Three-Fund Portfolio
Replies: 2303
Views: 1454401

Re: The Three-Fund Portfolio

This has been a good thread and I have enjoyed reading many of the comments. I think the quote of being certain of a good return in lieu of hoping for a great one would even be endorsed by JB. I also feel that the common thread of simplicity has a lot to offer especially for my particular investment...
by yardarm
Tue Oct 31, 2017 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 1140

Re: Credit Report; best method

Thanks DaftInvestor! Did you do it via the web? I guess what I am asking is whether this is something you did or did you get this info from some other source. Thanks again.
by yardarm
Tue Oct 31, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 1140

Re: Credit Report; best method

Thanks tomd37. Great idea! We can benefit from using this method.
by yardarm
Tue Oct 31, 2017 10:15 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 1140

Re: Credit Report; best method

Thanks Pajamas, Rupert, and FinanceGeek for the quick followup to my questions. I thinks that I will take your advice and use either the web or the telephone to request a credit history report from a single credit bureau once every four months each year. If the phone or email are more secure than th...
by yardarm
Tue Oct 31, 2017 9:27 am
Forum: Personal Finance (Not Investing)
Topic: Credit Report; best method
Replies: 17
Views: 1140

Credit Report; best method

The purpose of this discussion topic is not to revisit the wisdom of whether persons should check their credit report annually, but instead on the mechanics of submitting the request. A search of this topics history suggest the person check only one of the three credit bureaus at a time in order to ...
by yardarm
Wed Sep 27, 2017 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2757

Re: Edward Jones (again)

Thanks again guys; all the comments: livesoft; Lou354;goingup; bolderboy; monkey-business; Taylor-Larimore; sixty forty; retiredjg; 1210sda; pkcrafrter; Fallible; and pqwerty. I will take some time and look at all these ideas and suggestions; I appreciate them all. The 3-fund suggestion merits some ...
by yardarm
Wed Sep 27, 2017 1:31 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2757

Re: Edward Jones (again)

Thanks bloom2708 for wading in on this. You have a good point that I may have too many funds; it is certainly more than the 3 fund concept! lol :D . I do not fully understand your comment of "all up expense ratio". In this investment environment, it may be difficult to not make money, but I have bee...
by yardarm
Wed Sep 27, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2757

Re: Edward Jones (again)

Thanks guys for these initial responses. JW-Retired - thanks for the thoughtful view; I share your concern, but I suppose in the investment world everything is subject to change. I think that over time their business model may change more with the DOL rule and of course every investment company need...
by yardarm
Wed Sep 27, 2017 10:54 am
Forum: Investing - Help with Personal Investments
Topic: Edward Jones (again)
Replies: 28
Views: 2757

Edward Jones (again)

There has been no shortage of questions, comments, replies, and opinions about the use of Edward Jones (EJ) for personal investments for retirement purposes. I have read a great number of these previous posts and understand that one of the few things that an investor can control is the cost they are...