Search found 148 matches

by shariron
Sun Jul 29, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: Help With Bonds.
Replies: 2
Views: 383

Re: Help With Bonds.

https://www.bogleheads.org/wiki/Bond_pr ... _over_time

If you hold it to maturity, the price fluctuations won't matter, it will be worth face value.
by shariron
Thu Jul 12, 2018 2:51 pm
Forum: Personal Finance (Not Investing)
Topic: Shifting from Intermediate to Short-term Bonds
Replies: 11
Views: 1701

Re: Shifting from Intermediate to Short-term Bonds

You'll be giving up a small amount of yield for a little less risk. In 60/40, the difference may be barely noticeable. Small enough change that it probably matters very little if you do it or not. The TLH may be more of a factor.
by shariron
Sat Jun 23, 2018 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Cash Out Retirement Account vs Rollover to IRA
Replies: 35
Views: 2232

Re: Cash Out Retirement Account vs Rollover to IRA

Answer: Rollover to IRA

Disclosure: I did not read a word of this thread other than the title. That's because I don't believe there is any scenario that would yield the answer "cash out retirement account"
by shariron
Thu Jun 21, 2018 6:56 pm
Forum: Personal Consumer Issues
Topic: Anyone use a WiFi enhancement product?
Replies: 14
Views: 1297

Re: Anyone use a WiFi enhancement product?

I use Netgear Powerline Kit. It utilizes the electrical wiring in your home.

https://www.amazon.com/gp/product/B0192 ... UTF8&psc=1
by shariron
Fri Jun 15, 2018 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Managed Payout Fund
Replies: 30
Views: 3012

Re: Vanguard Managed Payout Fund

In my opinion, Managed Payout was a “gimmicky” idea to begin with and its track record suggests nothing to change my mind. I believe Wellington, Wellesley, Balanced Index, Lifestrategy/Target Date lineups and Star are ALL superior balanced fund alternatives.
by shariron
Sat Jun 09, 2018 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard New Issue CD Commission?
Replies: 12
Views: 1156

Re: Vanguard New Issue CD Commission?

Vanguard Brokerage Services commission and fee schedules:

https://investor.vanguard.com/investing ... ommissions

Per link, New Issue CD's are commission free with minimum purchase 10k+
by shariron
Thu Dec 28, 2017 8:22 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Glide Path
Replies: 9
Views: 1057

Re: 529 Glide Path

UTAH (UESP) allows you to create your own glide-path, utilizing many broad market Vanguard index funds, for the do-it-yourself types.
by shariron
Sat Jul 15, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Low cost index funds/Fidelity
Replies: 21
Views: 2674

Re: Low cost index funds/Fidelity

Fidelity low cost index funds:
https://www.bogleheads.org/wiki/Fidelity
You can open an account online, via mail, or via phone & pay nothing but the cost of the fund's shares
by shariron
Thu Jun 15, 2017 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: 529 transfer
Replies: 5
Views: 961

Re: 529 transfer

Another choice worthy of your consideration is uesp.org
Vanguard funds, low fees, extremely flexible portfolio options.
by shariron
Fri Jun 09, 2017 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: 529 Fees
Replies: 11
Views: 2808

Re: 529 Fees

Congrats on taking positive action to rid yourself of that lousy plan you have now! UESP and Vanguard/Nevada are both excellent choices. I chose UESP due to it's very flexible custom allocations feature.
by shariron
Mon May 15, 2017 11:47 am
Forum: Investing - Help with Personal Investments
Topic: Index fund for grandkids?
Replies: 2
Views: 557

Re: Index fund for grandkids?

Some possibilities:
Vanguard Balanced Index Fund Admiral Shares
or one of the Vanguard Life Strategy funds
https://investor.vanguard.com/mutual-fu ... estrategy/#/
by shariron
Thu May 04, 2017 3:01 pm
Forum: Personal Finance (Not Investing)
Topic: Solo ROTH 401k vs regular 401ks plus roth IRAs
Replies: 7
Views: 628

Re: Solo ROTH 401k vs regular 401ks plus roth IRAs

Three thoughts:
-Use Vanguard or Fidelity, not TDA
-Do not inflate your profit
-Give this a good read-through: https://www.bogleheads.org/wiki/Solo_401(k)_plan
by shariron
Sat Feb 11, 2017 3:41 pm
Forum: Investing - Help with Personal Investments
Topic: Solo Roth or r401k
Replies: 6
Views: 499

Re: Solo Roth or r401k

There are no costs to open or maintain a Solo 401(k) with Vanguard. Takes about 10 minutes to fill out the paperwork, and establish online access. Very smart to be thinking about maximizing your retirement savings at your age. You will be handsomely rewarded at retirement time. Ensure you carefully ...
by shariron
Fri Feb 10, 2017 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with all this rollover money
Replies: 23
Views: 2203

Re: What to do with all this rollover money

Step 1: Rollover the IRA to Vanguard, and choose the Target Retirement Fund with an asset allocation that best meets your risk tolerance and income needs.
Step 2: There is no step 2 , you are done!
by shariron
Tue Jan 24, 2017 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Why not high yield
Replies: 22
Views: 2778

Re: Why not high yield

The problem with high yield is that extra yield won't matter much if (actually make that WHEN) there is a large drop in NAV. And it will likely occur during an economic downturn, with your stock holdings also plummeting and possibly a job layoff. If you are in the bond market to buy-and-hold for the...
by shariron
Sun Jan 15, 2017 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: Where is the best place to keep a 529, and a new member question.
Replies: 11
Views: 805

Re: Where is the best place to keep a 529, and a new member question.

We use Utah's plan UESP.org
Extremely low cost, Vanguard Funds, very flexible options.
by shariron
Thu Jan 12, 2017 7:04 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax 2016 purchase source
Replies: 91
Views: 16541

Re: Turbo Tax 2016 purchase source

Misterbill, thank you very much for passing this deal along.
by shariron
Thu Jan 05, 2017 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Individual 401k Contribution Questions
Replies: 15
Views: 1150

Re: Individual 401k Contribution Questions

Hello. #1 This "employee" contribution can be to I401(k) or Roth I401(k), if Roth is also offered by your plan. (Vanguard plan does offer Roth) So it does not necessarily have to be "pre-tax". #2 This "employer" portion cannot be made to a ROTH I401(k), it must be made to Traditional I401(K) You can...
by shariron
Wed Dec 21, 2016 9:47 pm
Forum: Personal Finance (Not Investing)
Topic: 16 yo, first book on investing
Replies: 28
Views: 2502

Re: 16 yo, first book on investing

Naked Economics: Undressing the Dismal Science by Charles Wheelan is a terrific read. A very enjoyable and accessible intro to economics.
by shariron
Sun Dec 18, 2016 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: TLH on 12/31
Replies: 7
Views: 1140

Re: TLH on 12/31

Would it be accurate or not to say that selling Vanguard Intermediate-Term Tax-Exempt before or after the capital gain distribution would be inconsequential for TLH purposes? i.e. if selling after the distribution, would the tax bill on the gain just be equivalently offset by the additional loss in ...
by shariron
Wed Jan 20, 2016 1:52 pm
Forum: Investing - Help with Personal Investments
Topic: move funds from old 401(k) to new one
Replies: 10
Views: 966

Re: move funds from old 401(k) to new one

Worth noting, it is unlikely your new employer's 401k (even if they use Vanguard) will offer a better selection of funds and lower costs vs rolling it over to an IRA at Vanguard.
by shariron
Mon Jan 18, 2016 4:43 pm
Forum: Investing - Theory, News & General
Topic: Interesting study on "dumb" indexes
Replies: 25
Views: 4103

Re: Interesting study on "dumb" indexes

When changes occur to the DJIA, is their thought to attempt to replace what they anticipate to be future under-performers with future out-performers? I always thought the idea was to replace an irrelevant company with one more relevant to the economy as whole, and let the chips (pun intended) fall w...
by shariron
Wed Dec 23, 2015 8:44 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Rollover Question
Replies: 3
Views: 389

Re: 401K Rollover Question

It's highly likely that you will pay a much, much, lower expense ratio by rolling into an IRA with a low cost provider vs. your employer's 401(k)
by shariron
Sun Apr 19, 2015 10:19 am
Forum: Investing - Theory, News & General
Topic: The Better Money Method
Replies: 2
Views: 1288

Re: The Better Money Method

Check out this post by a frequent contributor to this forum.

http://whitecoatinvestor.com/rebutting- ... insurance/
by shariron
Sat Mar 21, 2015 2:40 pm
Forum: Investing - Help with Personal Investments
Topic: Opened an account Vanguard yesterday, now having cold feet
Replies: 60
Views: 8559

Re: Opened an account Vanguard yesterday, now having cold fe

You invested in 4 very low cost, very well-diversified funds. Congratulate yourself on making a smart decision and ignore the noise.
by shariron
Sat Mar 14, 2015 7:53 pm
Forum: Personal Finance (Not Investing)
Topic: Solo 401k & tax filing - Employee/employer contributions
Replies: 4
Views: 598

Re: Solo 401k & tax filing - Employee/employer contributions

I've found Turbo Tax miscalculates the solo 401(k) max contribution.
It's very likely your maximum employer contribution is much less than $5500 that Turbo Tax is telling you.
Best to calculate it yourself based on below.

https://www.bogleheads.org/wiki/Solo_401(k)_plan
by shariron
Wed Sep 24, 2014 2:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Quarterly Dividends in September
Replies: 40
Views: 6599

Re: Vanguard Quarterly Dividends in September

Yes I noticed that as well. Article says it was scheduled to make a distribution on September 18, yet it has not happened.
by shariron
Sun Apr 06, 2014 6:52 pm
Forum: Personal Finance (Not Investing)
Topic: Self employment tax question [Contributing to Solo 401(k)]
Replies: 1
Views: 260

Re: Self employment tax question [Contributing to Solo 401(k

That's a good question actually.
The answer is no- solo 401(k) contributions will not defer or lower your self-employment tax.
Some useful info on self-employment tax:
http://taxes.about.com/od/soleproprieto ... nt-tax.htm
by shariron
Thu Jan 17, 2013 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: mad money
Replies: 22
Views: 2768

Re: mad money

May I suggest investing in the low two figures with these two red hot picks: http://www.amazon.com/Bogleheads-Guide-Investing-Taylor-Larimore/dp/0470067365/ref=sr_1_1?ie=UTF8&qid=1358476668&sr=8-1&keywords=bogleheads+guide+to+investing http://www.amazon.com/Little-Book-Common-Sense-Investing/dp/0470...
by shariron
Mon Dec 17, 2012 9:08 pm
Forum: Investing - Theory, News & General
Topic: Why the Recent Volatility with Wellseley Fund?
Replies: 22
Views: 2748

Re: Why the Recent Volatility with Wellseley Fund?

Don't be sorry! Everyone here has asked that same question at some point. Except of course for those born with an understanding of bond fund distributions :wink:
by shariron
Sun Dec 16, 2012 8:50 pm
Forum: Investing - Theory, News & General
Topic: Which would you choose??
Replies: 16
Views: 1427

Re: Which would you choose??

Perhaps also consider a similarly composed Target Retirement fund instead. This would make it even simpler, as you would be removing the future need to adjust the allocation to be more conservative over time.
by shariron
Wed Dec 12, 2012 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: massachusetts 529
Replies: 9
Views: 1031

Re: massachusetts 529

Sounds like you are doing everything right, and for the right reasons. Successor owner would be naming who takes ownership of the account should the owner pass away.
by shariron
Wed Dec 12, 2012 10:24 am
Forum: Investing - Help with Personal Investments
Topic: massachusetts 529
Replies: 9
Views: 1031

Re: massachusetts 529

Important to think how this 529 fits in to your overall financial plan. Are you sacrificing money that could be used for maxing out IRA’s first? Could this money be going into a 401(k) with a company match that you’re missing out on? Could it be paying off high interest debt? Things like that. Also ...
by shariron
Tue Dec 11, 2012 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: massachusetts 529
Replies: 9
Views: 1031

Re: massachusetts 529

You are totally on the right track and that plan would be a solid choice with the Fidelity index funds. However, check out Utah's plan as well. UESP.ORG You'll find their expenses are lower than the Mass plan, offer Vanguard's broad market index funds, and allow for a completely customizable & aged ...
by shariron
Tue Sep 25, 2012 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Website accessed by AOL
Replies: 2
Views: 478

Re: Vanguard Website accessed by AOL

You can have your cake and eat it too! Keep your AOL account/e-mail, just download Internet Explorer from here. http://windows.microsoft.com/en-US/internet-explorer/downloads/ie You can then use that browser to access Vanguard's webpage and your accounts. You can also access your AOL account e-mail ...
by shariron
Sun Sep 23, 2012 9:11 am
Forum: Investing - Theory, News & General
Topic: Ditto Trade. Are you in?
Replies: 6
Views: 910

Re: Ditto Trade. Are you in?

Thinking that strategy could be worked into a great April Fools Day prank around here.
by shariron
Sun Sep 09, 2012 6:27 pm
Forum: Investing - Theory, News & General
Topic: Congrats Mike Piper of "Oblivious Investor"!
Replies: 35
Views: 4585

Re: Congrats Mike Piper of "Oblivious Investor"!

Congrats. Well deserved. Mike's blog rocks.
by shariron
Thu Sep 06, 2012 2:28 pm
Forum: Investing - Theory, News & General
Topic: Do I have this right: If bonds yield MORE the NAV goes DOWN?
Replies: 27
Views: 2590

Re: Do I have this right: If bonds yield MORE the NAV goes D

Day9- Except it is very, very, VERY unlikely you will be able to successfully time the market. What is the definition of “going up”? Does that mean you wait and buy in when they go up 1%? Or do you keep waiting until they go up 5%?. But what if during that waiting period they drop? Or a sudden unexp...
by shariron
Sat Sep 01, 2012 7:57 pm
Forum: Investing - Theory, News & General
Topic: What happens when Sears is replaced on Tuesday?
Replies: 12
Views: 2801

Re: What happens when Sears is replaced on Tuesday?

Mickeyd- I understand this change is no different than any other change. Seeing it in the news renewed my curiosity as to what the S&P500 tracking index funds actually do in this situation.
by shariron
Sat Sep 01, 2012 12:04 pm
Forum: Investing - Theory, News & General
Topic: What happens when Sears is replaced on Tuesday?
Replies: 12
Views: 2801

What happens when Sears is replaced on Tuesday?

What happens when Sears is replaced in the S&P500 on Tuesday? I’ve always wondered just what happens in situations like this. What do the index funds do to avoid frontrunning? If there is a defined set plan on handling? But that would still invite manipulation, as others would take advantage of what...
by shariron
Sat Aug 25, 2012 7:30 pm
Forum: Investing - Theory, News & General
Topic: Need advice on grandchild gifting options
Replies: 20
Views: 2158

Re: Need advice on grandchild gifting options

JW- thank you. I was not aware of that. With some good planning, that article's "workaround #1" might allow you to have your cake and eat it too.
by shariron
Sat Aug 25, 2012 12:08 pm
Forum: Investing - Theory, News & General
Topic: Need advice on grandchild gifting options
Replies: 20
Views: 2158

Re: Need advice on grandchild gifting options

529 is a great idea. You are helping the child to go to college without incurring debt. Helping the parents out with a major financial burden. Gaining favorable tax treatment. Also favorable treatment when applying for financial aid vs child or parent account ownership. Bogle-ize it by using Utah’s ...
by shariron
Sun Aug 19, 2012 9:15 am
Forum: Investing - Theory, News & General
Topic: Are Vanguard ER's stacked?
Replies: 12
Views: 2966

Re: Are Vanguard ER's stacked?

You’ll pay a total of 0.16%. There’s no additional ER. You are correct; you can mimic these funds yourself with admiral shares of their underlying holdings and save a bit on the ER.
by shariron
Sat Jul 07, 2012 10:24 pm
Forum: Personal Consumer Issues
Topic: Jly 9 Computer Virus - DNS Malware
Replies: 21
Views: 2902

Re: Jly 9 Computer Virus - DNS Malware

Anyone with properly configured and fully updated anti-virus software will not have an issue, it would have detected this virus long ago.
by shariron
Sat Jul 07, 2012 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 6998

Re: Is Treasury Direct so bad that I should no longer….

Thank you everyone for the replies. Based on them I will give TD a try!
by shariron
Fri Jul 06, 2012 9:51 pm
Forum: Investing - Help with Personal Investments
Topic: Is Treasury Direct so bad that I should no longer….
Replies: 39
Views: 6998

Is Treasury Direct so bad that I should no longer….

I had been purchasing paper I-Bonds, $5g for me & $5g for spouse, at the local bank each year, for several years. My investment plan calls for continuing to do so every year. With this option no longer available and with the horror stories & serious concerns I’ve read here about TD, I am wondering w...
by shariron
Thu Jul 05, 2012 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: what do you think of california minis to buy now
Replies: 7
Views: 965

Re: what do you think of california minis to buy now

You would never want to have a tax-exempt muni bond fund in your already-tax-exempt space. An appropriate mix of Vanguard Total Bond Market and Vanguard Inflation Protected (Tips) Fund is what is generally recommended around here for your bond allocation in tax-exempt space. For your taxable space b...
by shariron
Thu Jul 05, 2012 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: what do you think of california minis to buy now
Replies: 7
Views: 965

Re: what do you think of california minis to buy now

Assuming you are a California resident, is your tax situation such that you would save significantly on your State taxes by buying a CA muni bond fund rather than a National muni fund? If the answer is NO, then buying CA muni fund would be a mistake. Even if the answer is yes, default risk would war...