Search found 5261 matches

by SpringMan
Fri Sep 22, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 70
Views: 3488

Re: Age you retired

Retired at age 57 back in 2004. Spouse, the same age, worked until age 65. Her employer covered our health insurance prior to medicare.
by SpringMan
Fri Sep 22, 2017 4:42 pm
Forum: Investing - Help with Personal Investments
Topic: New fee for Vanguard International High Dividend Yield Index Fund
Replies: 4
Views: 890

Re: New fee for Vanguard International High Dividend Yield Index Fund

I own this fund and missed my September 2017 distribution. VIAAX had a 5 cent per share distribution which I reinvest back into the fund. It did not happen. Vanguard is checking into it.
by SpringMan
Mon Sep 04, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 34
Views: 4737

Re: Holding onto bonds. You agree?

I noticed this thread was from June 2013. I was losing money in VBTLX (Total Bond Index). Today this has recovered and then some. I don't buy into the advice many financial advisors give that is to buy individual bonds and hold them to maturity. Individual bonds go up and down while held, holding to...
by SpringMan
Mon Sep 04, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Holding onto bonds. You agree?
Replies: 34
Views: 4737

Re: Holding onto bonds. You agree?

Dick D wrote:
Tue Jun 25, 2013 6:53 pm
SInce retiring in 2011 at age 66, I have keep 50% in bonds and 50% in bonds. I intend to do this as long as I am here to do it.
I think you meant 50% stocks and 50% bonds, a good allocation for a retiree IMO.
by SpringMan
Sun Aug 27, 2017 4:48 pm
Forum: Personal Consumer Issues
Topic: New 2017 CRV Owners: want to compare notes?
Replies: 7
Views: 1244

Re: New 2017 CRV Owners: want to compare notes?

Considered one but was discouraged by the CVT. I guess I am old school. CVTs work fine in snowmobiles and ATVs but I still prefer gears in cars. Ended up with a Chevy Equinox in same price range. 2017 or 2018? We have a 2011 Equinox 2 LT approaching 100k miles. Almost traded it in and got a 17 a fe...
by SpringMan
Sun Aug 27, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: New 2017 CRV Owners: want to compare notes?
Replies: 7
Views: 1244

Re: New 2017 CRV Owners: want to compare notes?

Considered one but was discouraged by the CVT. I guess I am old school. CVTs work fine in snowmobiles and ATVs but I still prefer gears in cars. Ended up with a Chevy Equinox in same price range.
by SpringMan
Fri Aug 18, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Lost $7000 today in ONE DAY!
Replies: 183
Views: 15957

Re: Lost $7000 today in ONE DAY!

Tax loss harvesting is not an option unless your cost basis is higher than your current value in a given position held in a taxable account. A 2% drop in one day does not necessarily erase all previous profits. Most financial advisers would likely advise investors to ignore geopolitical events IMO.
by SpringMan
Wed Aug 16, 2017 10:40 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1738

Re: what % of international stock

Currently at 29% of equity in foreign. Positions in VSS Van FTSE sm cap ETF, and FSIVX (Fid Int Index) both held in taxable. VIAAX (Int Div appreciation index) held in a Roth. Also some of our actively managed funds hold some percentage of foreign.
by SpringMan
Mon Aug 14, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds with the highest minimum investment
Replies: 15
Views: 2221

Re: Vanguard funds with the highest minimum investment

https://personal.vanguard.com/us/funds/snapshot?FundId=1673&FundIntExt=INT VITRX $100,000,000 minimum Wow! That's a lot of cash. I'm gonna have to save up for a while before I can get into VITRX. But at least they have a Buy button on that linked page, so a routine transfer from my checking account...
by SpringMan
Sat Aug 12, 2017 8:09 am
Forum: Personal Consumer Issues
Topic: How far would you travel to see The Eclipse?
Replies: 259
Views: 14520

Re: How far would you travel to see The Eclipse?

Will stay at home which will still have 75%-80% total assuming no clouds. Need to procure the proper glasses or won't look at the sun.
by SpringMan
Fri Aug 11, 2017 2:53 am
Forum: Personal Consumer Issues
Topic: Laptop suggestions pls
Replies: 30
Views: 2329

Re: Laptop suggestions pls

B&H has a Dell on sale for $349. Looks like a pretty good deal if you can live with 15 inch.
https://www.bhphotovideo.com/c/product/ ... 7100u.html
by SpringMan
Wed Aug 02, 2017 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Personal Capital without giving them my passwords: worth it?
Replies: 27
Views: 2094

Re: Personal Capital without giving them my passwords: worth it?

Personal Capital will call you periodically and try to get you to let them manage your money at 80+ basis points. Not worth that to me. If you are happy with the free stuff and don't mind an occasional phone call / sales pitch then free is good. I did provide Personal Capital my Fidelity and Vanguar...
by SpringMan
Tue Aug 01, 2017 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: Using VMVFX Vanguard [Global] Minimum Volatility fund for international.
Replies: 18
Views: 1829

Re: Using VMVFX Vanguard Minimum Volatility fund for international.

I like the fund. Count it as 60% North America, 40% international. At .17 expense ratio for admiral shares, .25% for investor shares it is a bargain for active management IMO.
by SpringMan
Tue Aug 01, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds with purchase fees question
Replies: 4
Views: 421

Re: Vanguard funds with purchase fees question

petercooperjr wrote:Correct, there are no fees for dividend reinvestment. I own VICSX (Vanguard Intermediate-Term Corporate Bond Index Fund) which has a monthly dividend, and there are no purchase fees for the dividend reinvestment.
Thanks. Saves me a call to VG.
by SpringMan
Tue Aug 01, 2017 10:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds with purchase fees question
Replies: 4
Views: 421

Re: Vanguard funds with purchase fees question

At Vanguard, a dividend reinvestment is not classified as a purchase. It is a "reinvestment". So I believe there would not be a purchase fee. Thanks. You are probably right. The fund, VIAAX, pays quarterly dividends which I plan to reinvest automatically. .25% would not be the end of the world but ...
by SpringMan
Tue Aug 01, 2017 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard funds with purchase fees question
Replies: 4
Views: 421

Vanguard funds with purchase fees question

I recently bought a Vanguard fund with a .25% purchase fee which goes directly into the fund so is not considered a load. Mu question is are automatic reinvested dividends subject to the .25% fee. I could call Vanguard but someone here probably knows. Of course I can change the dividend option for t...
by SpringMan
Mon Jul 31, 2017 5:04 am
Forum: Personal Finance (Not Investing)
Topic: What to do with 3oz of gold?
Replies: 28
Views: 4521

Re: What to do with 3oz of gold?

Gold ounces make nice gifts for kids or grandkids.
by SpringMan
Sat Jul 29, 2017 4:16 pm
Forum: Investing - Help with Personal Investments
Topic: Good Service for Flagship Investors
Replies: 35
Views: 4372

Re: Good Service for Flagship Investors

No complaints but do miss getting free TurboTax.
by SpringMan
Sat Jul 29, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - Brokerage & Mutual Fund Accounts
Replies: 9
Views: 814

Re: Vanguard - Brokerage & Mutual Fund Accounts

Only complaint I have about upgrading was I lost the ability I had to make changes to my spouse's Vanguard IRA brokerage accounts. This was remedied by filling out an authorization form which required notarization and two witnesses. This was done by my bank here in Michigan but Michigan law allows t...
by SpringMan
Sat Jul 29, 2017 11:12 am
Forum: Personal Consumer Issues
Topic: Wooden flooring in kitchen
Replies: 51
Views: 4402

Re: Wooden flooring in kitchen

We had a wood floor installed in the kitchen and dining room area. It looked great but eventually we did get water damage in the kitchen. Dishwasher hose leaked and had other plumbing leaks under the sink. Now I am considering redoing the kitchen in tile and maybe keeping the dining room status quo.
by SpringMan
Sat Jul 29, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3990

Re: Why is BND best?

I will play devil's advocate a bit. Asset allocations of 40% stock, 60% bonds or more conservative with large portfolios that choose only one bond fund will find the bond fund represents too big a percentage of their net worth. At this point it may make sense to add some additional bond funds for di...
by SpringMan
Sat Jul 29, 2017 9:18 am
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2061

Re: Why are there RMDs on ROTH 401ks?

It is one of those tomato tomahto days :happy
by SpringMan
Sat Jul 29, 2017 8:35 am
Forum: Investing - Theory, News & General
Topic: Why are there RMDs on ROTH 401ks?
Replies: 19
Views: 2061

Re: Why are there RMDs on ROTH 401ks?

I don't know the answer to your question, but I do know that it is a Roth rather than a ROTH. It is named after Senator William Roth, Jr. from Delaware. As a name, rather than an acronym, Roth is not given the all caps treatment. Wish I knew the answer to your question. I think the caps thing is a ...
by SpringMan
Fri Jul 28, 2017 7:24 pm
Forum: Investing - Theory, News & General
Topic: Why is BND best?
Replies: 29
Views: 3990

Re: Why is BND best?

Also Vanguard has Intermediate Term Investment Grade, VFIDX. Actively managed though but ER is only .1%
by SpringMan
Tue Jul 18, 2017 6:24 pm
Forum: Investing - Theory, News & General
Topic: Expense Ratios, how high is too high
Replies: 72
Views: 4497

Re: Expense Ratios, how high is too high

I don't mind paying .46% for PRIIMECAP Core, VPCCX. Overall ER=.12%
by SpringMan
Tue Jul 18, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio - bond fund options
Replies: 44
Views: 2233

Re: 3-fund portfolio - bond fund options

Vanguard does not offer a multi-sector bond fund. Springman: Vanguard Total Bond Market holds good quality bonds in many sectors. What am I missing? https://personal.vanguard.com/us/funds/snapshot?FundId=0084&FundIntExt=INT#tab=2 Thank you and best wishes. Taylor I was using Morningstar's definitio...
by SpringMan
Mon Jul 17, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio - bond fund options
Replies: 44
Views: 2233

Re: 3-fund portfolio - bond fund options

Daniel Ivascyn has managed this fund, PIMCO Income, along with Alfred Murata since its inception and were managers of the year in 2013 I used to have some money in Fairholme Fund, whose manager Bruce Berkowitz was M*'s manager of the decade in 2010! How could anything go wrong?? :shock: Ok, I think...
by SpringMan
Sun Jul 16, 2017 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: 3-fund portfolio - bond fund options
Replies: 44
Views: 2233

Re: 3-fund portfolio - bond fund options

Unless somebody tells me it's a bad idea, I would just use Pimco Total Return (PONDX). PONDX is Class D of Pimco Income, not Pimco Total Return; Class D of Pimco Total Return is PTTDX. These are vey different funds. Look at some charts on M*. To my eye, PONDX has a hefty dose of equity-correlated r...
by SpringMan
Thu Jul 13, 2017 7:44 am
Forum: Personal Consumer Issues
Topic: Best way to buy a iPAD
Replies: 13
Views: 1537

Re: Best way to buy a iPAD

.Check B&H Photo Video. They had a sale recently on iPads and I got the local Best Buy to match their price on a Mini 4. Plus, B&H Photo Video doesn't charge sales tax for shoppers outside New York and New Jersey. Yes but Best Buy does charge tax and their price match won't include waiving sales ta...
by SpringMan
Sun Jul 02, 2017 11:11 am
Forum: Personal Consumer Issues
Topic: Advice on Desktop PC
Replies: 87
Views: 4527

Re: Advice on Desktop PC

My main computer is an older Compaq desktop running Windows 10 with dual monitors and it is good enough for my needs. I ran a wire from my sound card to my home stereo's aux in. iTunes music is in aac file format. This is slightly better than mp3 at a given bit rate but still compressed. My mp3 musi...
by SpringMan
Sun Jul 02, 2017 10:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard... Possible to auto invest in ETF's?
Replies: 25
Views: 2103

Re: Vanguard... Possible to auto invest in ETF's?

No, ETFs are purchased in whole integer amounts based on a price that varies during the day when the market is open. You can't buy fractional shares, dividend/cap gains automatic reinvestment being one exception and mutual fund conversion another.
by SpringMan
Sun Jun 25, 2017 10:50 am
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1936

Re: ETFs or Mutual Funds for an inexperienced investor

I strongly prefer mutual funds. Not because I am an inexperienced investor but for other reasons. One being you can't buy an exact dollar amount of an ETF, you must buy an integer amount. Another is mutual funds with dividends reinvested show up the following day, T+1, and ETFs don't T+3. I own VSS...
by SpringMan
Sun Jun 25, 2017 9:33 am
Forum: Investing - Help with Personal Investments
Topic: ETFs or Mutual Funds for an inexperienced investor
Replies: 32
Views: 1936

Re: ETFs or Mutual Funds for an inexperienced investor

I strongly prefer mutual funds. Not because I am an inexperienced investor but for other reasons. One being you can't buy an exact dollar amount of an ETF, you must buy an integer amount. Another is mutual funds with dividends reinvested show up the following day, T+1, and ETFs don't T+3. I own VSS ...
by SpringMan
Sun Jun 25, 2017 9:01 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Vanguard Fund
Replies: 56
Views: 7010

Re: Your Favorite Vanguard Fund

Many good Vanguard funds are available but to name some not mentioned already, any managed by PRIMECAP (VHCOX, VPMCX, VPCCX). These are still open to Flagship clients but VHCOX and VPMCX are limited to $25k per year which make it harder to get admiral shares. VPCCX has no admiral shares and no $25k ...
by SpringMan
Fri Jun 09, 2017 11:53 am
Forum: Investing - Theory, News & General
Topic: Why You Still Can’t Trust Your Financial Adviser
Replies: 54
Views: 6265

Re: Why You Still Can’t Trust Your Financial Adviser

Many financial advisors paid by assets under management will not recommend taking a pension vs a cash buyout. They want to manage the cash buyout, they can't make any money from your pension. Assets under management advisors usually don't recommend paying off a mortgage for similar reasons. These po...
by SpringMan
Sun Jun 04, 2017 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain how Medicare Billing works? Update
Replies: 114
Views: 8712

Re: Please explain how Medicare Billing works?

Higher income means higher rates for medicare. Currently the cutoff is $170,000 for filing joint and $85,000 otherwise. If an EOB is wrong call your doctor's office.
https://www.ssa.gov/pubs/EN-05-10536.pdf
by SpringMan
Sat Jun 03, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: VHT vs VGHCX in taxable account
Replies: 21
Views: 3943

Re: VHT vs VGHCX in taxable account

Index funds are generally more tax efficient than actively managed funds. Another difference is the actively managed fund has some international, the ETF is US companies only. I also agree with posters that say no sector fund is necessary. Of the two choices, maybe VHT.
by SpringMan
Sat Jun 03, 2017 8:44 am
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4481

Re: Time to Move Away from 3-Fund Portfolio?

If you have a joint taxable account, if one spouse passes, be sure the survivor re-adjusts the cost basis for a step up based on the value of each holding at the time of death. 50% of each position would get a cost basis step up. I don't know of brokerages do this automatically, they should. It com...
by SpringMan
Sat Jun 03, 2017 8:21 am
Forum: Investing - Help with Personal Investments
Topic: Time to Move Away from 3-Fund Portfolio?
Replies: 36
Views: 4481

Re: Time to Move Away from 3-Fund Portfolio?

If you have a joint taxable account, if one spouse passes, be sure the survivor re-adjusts the cost basis for a step up based on the value of each holding at the time of death. 50% of each position would get a cost basis step up. I don't know of brokerages do this automatically, they should. It comp...
by SpringMan
Sat Jun 03, 2017 7:59 am
Forum: Investing - Help with Personal Investments
Topic: DODGX - sell or keep [Dodge & Cox Stock Fund]
Replies: 33
Views: 4723

Re: DODGX - sell or keep [Dodge & Cox Stock Fund]

I thought I would add that VBS gives one access to PIMCO institutional funds which normally require $1,000,000 minimums for a much lower $25,000 minimum. They are not NTF (no transaction fee) but Flagship clients can use one of their free trades. I am a fan of PIMIX, Pimco Income Institutional. Sinc...
by SpringMan
Wed May 31, 2017 9:15 pm
Forum: Investing - Help with Personal Investments
Topic: Personal Capital - Phone Discussion
Replies: 39
Views: 5019

Re: Personal Capital - Phone Discussion

Any Boglehead that wants alternative investments can have them with DBC (commodities) and VNQ (REITs). I asked them what they used for alternatives. Save your .89% IMO.
by SpringMan
Tue May 30, 2017 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: old Canadian money
Replies: 13
Views: 1460

Re: old Canadian money

They are worth more than face value because I believe they are 80% silver. Maybe some have numismatic value as well.
by SpringMan
Mon May 29, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: ETF's similar to Fidelity Puritan
Replies: 4
Views: 527

Re: ETF's similar to Fidelity Puritan

If you look at Vanguard's lineup, as far as I know none of their actively managed funds have ETF counterparts--there is no Wellington ETF, no Windsor ETF, no GNMA ETF. Vanguard Mortgage-Backed Securities ETF (VMBS) has GNMA and US agency backed securities but you are right, not actively managed
by SpringMan
Fri May 26, 2017 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3134

Re: New car doc fees

For what it is worth, 2017 Dodge Journey is the vehicle in question.
by SpringMan
Fri May 26, 2017 11:43 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3134

Re: New car doc fees

Salesman had agreed to eat half the doc fee but insists the whole 210 is reflected in the paper work.
by SpringMan
Fri May 26, 2017 9:26 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3134

Re: New car doc fees

Thanks for the replies. The model I was looking at had incentives, 4000 for cash, 6000 if financed. I could finance as little as 6000 and still be eligible for the 6000. The rate was 4.9% and I was told after 90 days I could pay off the loan with no prepayment penalties. Seems worth it but I have sa...
by SpringMan
Fri May 26, 2017 8:16 am
Forum: Personal Finance (Not Investing)
Topic: New car doc fees
Replies: 42
Views: 3134

New car doc fees

Please educate me. I am in the process of buying a new car. Price is cut and dry with an employee discount through son. Dealership sales person said the doc fee was $210 in MI. He said it is mandated by the state and non negotiable because it goes to the state much like sales tax. I googled this and...
by SpringMan
Fri May 19, 2017 11:01 am
Forum: Investing - Help with Personal Investments
Topic: Int'l Investing as % of Total Equity Side
Replies: 7
Views: 945

Re: Int'l Investing as % of Total Equity Side

I think you are following Jack Bogle's recommendation. He prefaces his statement with "if you must have international" and 0% is less than 20%. I see no reason to change. Keep in mind VGSLX is tax inefficient and is best held in a tax advantaged account, ditto for VBILX.
by SpringMan
Fri May 19, 2017 10:49 am
Forum: Investing - Help with Personal Investments
Topic: REITs: Count as Stocks or Bonds?
Replies: 49
Views: 3634

Re: REITs: Count as Stocks or Bonds?

One of the issues I have with Personal Capital is their classification of REITs as alternatives. They lump REITs along with commodities as alternatives. It messes up my stock / bond ratio. I don't invest in commodities or a REIT specific fund. Of course REITs are included in index funds.
by SpringMan
Fri May 19, 2017 5:30 am
Forum: Investing - Theory, News & General
Topic: Milestone and not peeking. . .
Replies: 66
Views: 8503

Re: Milestone and not peeking. . .

Congrats. For the record though I am not a fan of the no peeking guideline. If Vanguard or whomever screws up, well bad news does not get better with age so I want to know about it ASAP.