Search found 5380 matches

by SpringMan
Mon May 20, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: Lies, Damned Lies, And Index Funds
Replies: 43
Views: 5526

Re: Lies, Damned Lies, And Index Funds

I know in other threads folks have complaining about Vanguard nudges to ETFs, etc. At least in the Vanguard case their nudges are almost exclusively to lower cost options. I have accounts at both Fidelity and Vanguard. Exactly one of them is constantly pushing me to do things I have no interest in ...
by SpringMan
Sun May 12, 2019 7:44 am
Forum: Personal Consumer Issues
Topic: Drill well today or drill well later?
Replies: 26
Views: 2122

Re: Drill well today or drill well later?

Unless you know exactly on the property where your home is going to be, wait on well and septic system. Maybe city water and sewers will be available in the future.
by SpringMan
Sat Mar 30, 2019 1:35 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 275
Views: 26214

Re: "The best and worst U.S. states for retirement"

livesoft wrote:
Sat Mar 30, 2019 12:21 pm
I like to split my time between a couple of states: Bliss and Ignorance.
Just one state if you consider the adage that ignorance is bliss. :happy
by SpringMan
Sat Mar 30, 2019 11:00 am
Forum: Personal Investments
Topic: Age in Bonds?
Replies: 38
Views: 3859

Re: Age in Bonds?

We were 60% bonds at age 60 but now at age 72 we are 50/50. We sold from bond funds in our IRAs and invested it in stock funds in a taxable account. Since I don't want to take more risk than 50/50, future RMDs will go into a tax exempt bond fund in taxable. We are in the 22% federal tax bracket whic...
by SpringMan
Sun Mar 24, 2019 7:57 am
Forum: Investing - Theory, News & General
Topic: Stepped up cost basis question
Replies: 2
Views: 195

Stepped up cost basis question

Assuming a married couple has a joint taxable account and one spouse passes, does the surviving spouse get a stepped up cost basis on the 50% they inherited or is it 100% or 0%? State is Michigan if that matters.
by SpringMan
Wed Mar 20, 2019 10:19 am
Forum: Personal Consumer Issues
Topic: Beta Vanguard APP
Replies: 61
Views: 4363

Re: Vanguard beta app email - legit or phishing?

I got this same thing. I don't know if it is phishing or legit. I have no need to access Vanguard by an Android phone. I use a desktop or laptop computer to access Vanguard, so I deleted the email.
by SpringMan
Mon Mar 18, 2019 2:41 am
Forum: Personal Investments
Topic: Vanguard: "Your Account Needs to be Transitioned"
Replies: 27
Views: 4601

Re: Vanguard: "Your Account Needs to be Transitioned"

If you have authorization to trade for a spouse, you may have to submit new paperwork. They lost my authorization during transition. Requires a notarized signature.
by SpringMan
Mon Mar 11, 2019 5:38 pm
Forum: Personal Investments
Topic: What do you think about GNMA Funds?
Replies: 8
Views: 980

Re: What do you think about GNMA Funds?

I use Total Bond Market Index, VBTLX, which is more diversified and has some GNMA bonds in it. Performance has been very close between the two. In my opinion Morningstar is stingy with regards to VBTLX only giving it two stars. I would think an index fund would be at least 3 stars.
by SpringMan
Mon Mar 04, 2019 4:51 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50814

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

Are there any Flagship perks left? Used to be free TurboTax and access to CFP portfolio reviews now Vanguard Advantage gone. Other than access to Vanguard PRIMECAP managed funds, not much is left.
by SpringMan
Sun Mar 03, 2019 10:07 am
Forum: Personal Investments
Topic: Personal Capital vs Fidelity Analysis
Replies: 18
Views: 1555

Re: Personal Capital vs Fidelity Analysis

The popup is new since I logged in the last time. Tried again and was able to get in by exiting the popup. Accounts are showing up twice and are not correct. Need to figure out how to delete them a d start over. You may try giving it a day and logging in again. Sometimes account links don't work fo...
by SpringMan
Sun Mar 03, 2019 9:20 am
Forum: Personal Investments
Topic: Personal Capital vs Fidelity Analysis
Replies: 18
Views: 1555

Re: Personal Capital vs Fidelity Analysis

The popup is new since I logged in the last time. Tried again and was able to get in by exiting the popup. Accounts are showing up twice and are not correct. Need to figure out how to delete them a d start over.
by SpringMan
Sun Mar 03, 2019 4:10 am
Forum: Personal Investments
Topic: Personal Capital vs Fidelity Analysis
Replies: 18
Views: 1555

Re: Personal Capital vs Fidelity Analysis

I no longer can login to Personal Capital without setting up an appointment online with them. At that point I say adios amigos to Personal Capital.
by SpringMan
Wed Feb 20, 2019 10:31 am
Forum: Personal Consumer Issues
Topic: Do others dislike Vanguard's new website as much as me?
Replies: 151
Views: 10993

Re: Do others dislike Vanguard's new website as much as me?

Most recently the pie chart graph showing target asset allocation desired does not work because it wants to run Macromedia Flash. This is in the Portfolio Watch tool. By clicking and allowing Flash to run, it works. Does not HTML-5 remove the need for Flash?
by SpringMan
Thu Feb 14, 2019 10:32 am
Forum: Personal Investments
Topic: Is this idea irrational?
Replies: 23
Views: 1280

Re: Is this idea irrational?

Selling all stocks and going to 100% bonds may not be a good idea in a taxable account. It could put your income higher to the point of higher Medicare premiums kicking in (IRMAA). Being 62 likely you are not on Medicare yet. I still don't think it is a good idea to make such drastic changes in your...
by SpringMan
Sat Feb 09, 2019 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax and form 2210: software bug?
Replies: 29
Views: 3707

Re: TurboTax and form 2210: software bug?

I purchased TurboTax Deluxe on an optical disk and ran into a different problem. I could e-file the federal tax but not the state. There were two options, pay an extra 39.95 for processing fee, or use a credit card and pay 19.95 fee. I tried the credit card option but the final Continue button was g...
by SpringMan
Sat Feb 09, 2019 11:20 am
Forum: Personal Investments
Topic: Whats better to hold, Roth dollars or Tax-deferred dollars ?
Replies: 84
Views: 5620

Re: Whats better to hold, Roth dollars or Tax-deferred dollars ?

If you are investing for your heirs, it is better to inherit a Roth.
by SpringMan
Sat Feb 09, 2019 11:14 am
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 64
Views: 7065

Re: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]

Vanguard's recent changes eliminating the 10K minimum for admiral shares of index funds is the reason. I doubt if any brokerages, other than Vanguard, are adding admiral shares of actively managed funds. This has been a issue for Fidelity for as long as I can remember, no availability of VWIAX etc.
by SpringMan
Sat Feb 09, 2019 4:50 am
Forum: Personal Investments
Topic: What do you use for your bond exposure?
Replies: 47
Views: 3190

Re: What do you use for your bond exposure?

We use Total Bond Market Index for the lion's share of our bonds. My spouse holds 100% Intermediate Term Investment grade in her tIRA. For short term bonds I use VSCSX (corporate). Also I hold bonds in Wellesley Income.
by SpringMan
Sat Feb 09, 2019 4:36 am
Forum: Investing - Theory, News & General
Topic: VFSVX to Admiral... must I switch to new platform?
Replies: 4
Views: 613

Re: VFSVX to Admiral... must I switch to nerw platform?

You should be able to promote the shares yourself on their website or wait and Vanguard will do it for you. I think Vanguard is pushing everyone to move to their brokerage accounts. I can't answer your question but would pose it to Vanguard. I moved to VBS some time back and I use the ETF share clas...
by SpringMan
Thu Jan 24, 2019 11:54 am
Forum: Investing - Theory, News & General
Topic: VCIT Rising
Replies: 17
Views: 1353

Re: VCIT Rising

VCIT is Vanguard's Intermediate Corporate Bond ETF. There is a corresponding mutual fund, VICSX but VICSX has a .25% purchase fee so VCIT avoids the fee. Corporate bonds have gone up lately.
by SpringMan
Fri Jan 04, 2019 8:50 am
Forum: Personal Investments
Topic: FSTVX or FZROX
Replies: 21
Views: 2369

Re: FSTVX or FZROX

Fidelity's zero expense ratio funds are great in tax advantaged accounts. One problem with holding them in a taxable account is one can't change brokerages without selling and repurchasing the the new brokerage's fund and that makes for a taxable event. I highly doubt in-kind transfers would be acce...
by SpringMan
Thu Jan 03, 2019 11:51 am
Forum: Personal Investments
Topic: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]
Replies: 37
Views: 9635

Re: VBIAX vs. VWELX [Vanguard Balanced Index vs. Wellington]

Would not it be expected that a 65/35 fund (VWELX) would do better than a 60/40 fund (VBIAX) when stocks go up and do worse when stocks go down. I would not use either in a taxable account. Not a fund I use but Tax Managed Balanced fund would make more sense in a taxable account than of the other tw...
by SpringMan
Tue Jan 01, 2019 4:00 pm
Forum: Personal Investments
Topic: Vanguard International Fund down for year?
Replies: 16
Views: 1127

Re: Vanguard International Fund down for year?

The fund was down but comparing only the share price change does not tell whole story since the fund pays a quarterly dividend. My recollection is yahoo does not factor in the dividends.
by SpringMan
Sun Dec 30, 2018 10:05 am
Forum: Investing - Theory, News & General
Topic: What are some critiques of passive investing/index funds?
Replies: 75
Views: 6024

Re: What are some critiques of passive investing/index funds?

School gunning survivor, David Hogg, was critical of Vanguard and called for a boycott of Vanguard because their index funds hold firearms companies. I don't agree. Even Vanguard's FTSE Social Index fund has big monster mega-banks that in my opinion are more evil than firearms companies.
by SpringMan
Sun Dec 30, 2018 9:48 am
Forum: Personal Investments
Topic: What if your stock investment (company) goes bankrupt
Replies: 2
Views: 464

Re: What if your stock investment (company) goes bankrupt

Generally common stock holders will lose everything they invested when a company goes under. Bond holders would generally get paid but not always. In a taxable account you can write off your losses. No special 1099 forms needed. You lose what your cost basis was. This is why Bogleheads shy away from...
by SpringMan
Sat Dec 22, 2018 11:08 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 499

Re: Vanguard's account readout changes overnight?

On further investigation I see my mistake, today's mistake anyway. I missed two of my index fund's distributions, VSMAX and VIMAX.
Thanks to those that replied.
by SpringMan
Sat Dec 22, 2018 10:25 am
Forum: Personal Investments
Topic: My Morningstar instant Xray-good or not?
Replies: 7
Views: 769

Re: My Morningstar instant Xray-good or not?

Is your goal to have an Xray that represents the total markets or do you wish to tilt? Yours is overweight large caps but there really isn't a right or wrong only what you are comfortable with. Any given Xray is going to perform good if market conditions are favorable and poorly in bear markets.
by SpringMan
Sat Dec 22, 2018 10:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 499

Re: Vanguard's account readout changes overnight?

Of course ETFs will change during the business day but not on Saturday. The discrepancies I noticed where in some Vanguard mutual funds.
by SpringMan
Sat Dec 22, 2018 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard's account readout changes overnight?
Replies: 5
Views: 499

Vanguard's account readout changes overnight?

Is it just me or has anyone noticed some of Vanguard's account readouts changed from Friday evening to Saturday morning? I am not talking about funds December distributions either. Thanks. I have seen this in the past and sometimes at Fidelity as well. I suppose I could have committed typing mistakes.
by SpringMan
Fri Dec 21, 2018 11:28 am
Forum: Personal Investments
Topic: TLH partner for Vanguard Capital Opportunity Fund?
Replies: 5
Views: 296

Re: TLH partner for Vanguard Capital Opportunity Fund?

Vanguard PRIMECAP works if you can buy it or PRIMECAP core. Flagship clients are limited to 25K per year on PRIMECAP. No limits on PRIMECAP core for Flagship clients.
by SpringMan
Fri Dec 21, 2018 9:30 am
Forum: Personal Investments
Topic: vtmfx, vwelx, vbiax - after tax returns
Replies: 2
Views: 502

Re: vtmfx, vwelx, vbiax - after tax returns

VTMFX is 50/50 stocks to bonds, VBIAX is 60/40. and VWELX is roughly 65/35 so what you say makes sense.
by SpringMan
Tue Dec 18, 2018 10:37 am
Forum: Personal Investments
Topic: TLH VTSAX to VFIAX - Wash sale?
Replies: 3
Views: 437

Re: TLH VTSAX to VFIAX - Wash sale?

VLCAX, Vanguard's Large Cap Index, is also a good TLH partner for VTSAX though ER is .05% vs .04% for VFIAX.
by SpringMan
Tue Dec 18, 2018 9:44 am
Forum: Personal Investments
Topic: RMDs in a falling market?
Replies: 6
Views: 1454

Re: RMDs in a falling market?

We take RMDs from the bond portion of our IRA so whether stocks are down or not does not matter. When stocks are down is usually a good time to buy some stock funds in our taxable account even though doing so makes our asset allocation more aggressive. We have gradually gone from 40/60 to 50/50.
by SpringMan
Thu Dec 13, 2018 9:31 am
Forum: Personal Investments
Topic: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?
Replies: 14
Views: 1843

Re: Should I replace PIMCO Income Fund with an intermediate-term Treasury fund?

As a long term holder of PIMIX, I bailed out of PIMIX and replaced it with VBILX (Vanguard Intermediate term bond index). The expense ratio increases were part of it and PIMIX seems to be more correlated to equities than many other bond funds. No regrets.
by SpringMan
Sun Dec 09, 2018 9:03 am
Forum: Personal Consumer Issues
Topic: Teeter [inversion table]
Replies: 6
Views: 756

Re: Teeter [inversion table]

I discussed these with a physical therapist I was seeing for lower back issues (L4-L5). The verdict was she did not recommend them because of risks of having all that blood rush to your head. They could be good for the back but maybe cause other problems.
by SpringMan
Sat Dec 01, 2018 10:37 am
Forum: Investing - Theory, News & General
Topic: ?Admiral share availability in other brokerages?[Yes, after a few weeks they are now appearing at other brokerages.]
Replies: 64
Views: 7065

Re: ?Admiral share availability in other brokerages?

Keep in mind the new lower limit for admiral shares does not apply to actively managed funds which still require 50K. As far as I know admiral shares of actively managed funds are only available through Vanguard, maybe possibly some 401(k)s. Fidelity, for example, won't allow VWIAX but will allow VW...
by SpringMan
Sat Dec 01, 2018 10:18 am
Forum: Personal Investments
Topic: Vanguard Online Account Access for Spouse
Replies: 23
Views: 1509

Re: Vanguard Online Account Access for Spouse

I had setup access to my spouse's account but in the process of Vanguard converting our mutual fund accounts to brokerage accounts, this access was lost. To remedy Vanguard sent out the necessary form which requires notarization and two signatures. I live in Michigan and my bank insisted the the not...
by SpringMan
Sat Dec 01, 2018 9:57 am
Forum: Personal Consumer Issues
Topic: Best new Mac/features for 2000-3000
Replies: 60
Views: 4178

Re: Best new Mac/features for 2000-3000

If I were to get a desktop Apple Mac I would consider the Mac Mini especially if you already have display monitor(s). The iMac all in one computers are nice if you need a builtin monitor. 2000-3000 dollars seems like too much IMO. I would not get a MacPro desktop. I just retired my old Win Vista era...
by SpringMan
Sat Dec 01, 2018 9:25 am
Forum: Investing - Theory, News & General
Topic: Investment Analysis Tools
Replies: 4
Views: 328

Re: Investment Analysis Tools

I would also consider also using Morningstar. You don't need a premium membership. If you create a login and portfolio(s) and post to their discussion groups, a suitcase will appear to the left of your discussion group handle containing your created portfolios. Click on a portfolio and you will get ...
by SpringMan
Thu Nov 29, 2018 7:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20287

Re: Vanguard - new Admiral $3,000 index funds

Investor class shares will still be used in fund of funds like they are currently used today.
by SpringMan
Sat Nov 24, 2018 5:05 pm
Forum: Personal Consumer Issues
Topic: Black Friday 2018
Replies: 123
Views: 15652

Re: Black Friday 2018

Roku Ultimate (4K, HDR) is half price, $49.99, at Amazon and at Roku. I ordered one. My previous Roku is old and runs a bit sluggish.
by SpringMan
Sat Nov 24, 2018 12:01 pm
Forum: Personal Consumer Issues
Topic: Best MVNO for Verizon Network - any updates?
Replies: 30
Views: 2261

Re: Best MVNO for Verizon Network - any updates?

We are happy with PagePlus cellular on Verizon network.
by SpringMan
Fri Oct 19, 2018 4:04 am
Forum: Investing - Theory, News & General
Topic: Thoughts on consumer staples funds?
Replies: 9
Views: 707

Re: Thoughts on consumer staples funds?

HEDGEFUNDIE wrote:
Fri Oct 19, 2018 3:31 am
Bogleheads don’t buy sector funds.
Many Bogleheads invest in Vanguard's REIT fund.
by SpringMan
Thu Oct 04, 2018 8:27 am
Forum: Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 6437

Re: Vanguard Balanced Index Fund Lovers?

wrongfunds wrote:
Wed Oct 03, 2018 5:25 pm
Is there an equivalent Fidelity fund?
Yes but actively managed, FBALX (Fidelity Balanced) and FPURX (Fidelity Puritan). Vanguard's Wellington is an actively managed Vanguard equivalent.
by SpringMan
Tue Oct 02, 2018 8:43 am
Forum: Personal Consumer Issues
Topic: Buying a new Toyota Camry. What extra options if any?
Replies: 70
Views: 5187

Re: Buying a new Toyota Camry. What extra options if any?

You will have to add sales tax to get drive off prices. The combined sales tax rate for Atlanta, GA is 8.9%. This is the total of state, county and city sales tax rates. The Georgia state sales tax rate is currently 4%. The Cobb County sales tax rate is 3%. Also check out the dealerships "doc fee". ...
by SpringMan
Sun Sep 23, 2018 3:52 am
Forum: Personal Consumer Issues
Topic: How to get rid of rabbits
Replies: 66
Views: 3938

Re: How to get rid of rabbits

There are rodent repellent sprays that are supposed to work. The one I bought to repel chipmunks from nesting under the hood of my pickup smelled like peppermint. Of course these only work for specific spots you spray and maybe they don't work at all.
by SpringMan
Thu Sep 20, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Equity allocation for Flagship clients?
Replies: 47
Views: 4068

Re: Equity allocation for Flagship clients?

50/50 here, coming from 40/60. It gives me comfort that Paul Merriman, whom is close in age and of whom I am a fan, is also 50/50.
by SpringMan
Wed Aug 15, 2018 3:48 am
Forum: Personal Consumer Issues
Topic: How often do you check your brokerage accounts
Replies: 77
Views: 5425

Re: How often do you check your brokerage accounts

Hats off to those the don't peek but that does not describe me. Remember that bad news does not get better with age.