Search found 5279 matches

by SpringMan
Sat Nov 11, 2017 12:23 pm
Forum: Investing - Theory, News & General
Topic: Retirees: I got this!!
Replies: 82
Views: 9661

Re: Retirees: I got this!!

I don't feel comfortable if long term care is in our future. Do not have LTC insurance because of negatives I have heard. There is risk associated with self insuring. I think this is a concern for those even with insurance. Mad Money's host Jim Cramer claimed it cost him more in lawyer's fees than t...
by SpringMan
Sat Nov 11, 2017 11:46 am
Forum: Investing - Theory, News & General
Topic: Yay, my question was answered by Jack
Replies: 40
Views: 3699

Re: Yay, my question was answered by Jack

Tax Managed Balanced fund may make more sense IMO if one is using a taxable account. It is 50/50 stock/bond rather than 60/40.
by SpringMan
Thu Nov 09, 2017 12:13 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 5816

Re: Is the new Chevy Equinox any good?

As a GM retiree I get an employee discount. I also get a Chrysler discount through one of my sons. We test drove a Dodge Journey and the Equinox. I did not like the dealer/salesman tactics and the high doc fee that the Dodge dealer wanted to charge. My sister has a Honda CRV and has been good for he...
by SpringMan
Wed Nov 08, 2017 8:30 am
Forum: Investing - Theory, News & General
Topic: "I took all my money out of the stock market and it feels amazing"
Replies: 69
Views: 8723

Re: "I took all my money out of the stock market and it feels amazing"

I have a friend that sold all his taxable account stocks a couple years ago locking in his profits. Because of this one year income bump, he and his jointly filing spouse were hit with higher medicare payments. This came as a complete surprise to them though it should not have. He never got back in ...
by SpringMan
Sun Nov 05, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: PRIMECAP Fund
Replies: 63
Views: 2765

Re: PRIMECAP Fund

I am a fan of PRIMECAP fund. Held it for years but sold it when I started obsessing about low expense ratios. Bought it back recently in my wife's Roth. It is limited to 25K per year so I am waiting to add another 25K for admiral shares. Ditto for Capital Opportunity fund. I like PRIMECAP Core as we...
by SpringMan
Sun Oct 29, 2017 4:00 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index
Replies: 28
Views: 2196

Re: Tax Managed Balanced Fund vs Total Stk Mkt plus Tax Exempt Bond Index

In a state with an income tax, I might use a state specific tax exempt bond fund. Unfortunately Vanguard does not have a Michigan TE bond fund. Fidelity does have such a fund, FMHTX but the ER is .49%. I am torn between a national Vanguard Tax Exempt fund with a decent ER and the MI Tax Exempt bond ...
by SpringMan
Sun Oct 29, 2017 10:32 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2207

Re: VG free turbo tax?

Fidelity's website does not mention free turbo tax as a benefit. If this benefit exists for larger accounts you would think they would advertise it.
by SpringMan
Sun Oct 29, 2017 9:32 am
Forum: Personal Finance (Not Investing)
Topic: What was the main reason you retired?
Replies: 210
Views: 15100

Re: What was the main reason you retired?

Retired at 57 and am now 70. I still have PTSD from my years of working for EDS (Electronic Data Systems). I had a good job at of GM in 1984 when GM bought EDS and transferred their computer people to EDS. Though at the time EDS was a wholly owned subsidiary of GM, it had its own set of inferior ben...
by SpringMan
Sun Oct 29, 2017 9:05 am
Forum: Personal Consumer Issues
Topic: New TV, what's important?
Replies: 42
Views: 2939

Re: New TV, what's important?

Be sure to check that the TV actually has a tuner builtin. IMO any TV without a tuner should be called a monitor and not a TV but some brands don't do that. Many folks want to get over the air TV with an antenna and keep the option of cord cutting open. Today I would probably go for 4K and HDR but s...
by SpringMan
Sun Oct 29, 2017 8:40 am
Forum: Personal Finance (Not Investing)
Topic: VG free turbo tax?
Replies: 26
Views: 2207

Re: VG free turbo tax?

Fidelity does not offer free TT either. Last year Fidelity offered a discount on TT. When I looked into it, I could get the same discount from Amazon so no big deal. Maybe Fidelity has different perks for super sized accounts. I am more minnow sized than whale sized.
by SpringMan
Mon Oct 23, 2017 7:52 am
Forum: Investing - Help with Personal Investments
Topic: Bond ladders that are hard to climb
Replies: 11
Views: 816

Re: Bond ladders that are hard to climb

You can buy treasuries in an IRA. VBTLX (Vanguard's Total Bond Market Index) is a very popular IRA holding. I own it in an IRA. It is heavily weighted toward treasuries. Maybe you mean buying them via Treasury Direct.
by SpringMan
Fri Oct 06, 2017 8:10 am
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 5816

Re: Is the new Chevy Equinox any good?

Lots of hate for Chevrolet here from Bogleheads. The 2018 equinox is redesigned. Its reliability is yet to be determined. GM made many lemons in the last century but IMO the GM quality has greatly improved. Consumer Reports always has had a Japanese bias on automobiles IMO. My son has an equinox bou...
by SpringMan
Thu Oct 05, 2017 8:06 am
Forum: Personal Finance (Not Investing)
Topic: RMD Question
Replies: 30
Views: 2771

Re: RMD Question

Like pointed out by JW and others, RMDs can be taken any time in the calendar year in which you turn 70.5. Think about the person that turns 70.5 on December 31, it would not be practical for them to have to wait until age 70.5 on Dec. 31.
by SpringMan
Tue Oct 03, 2017 7:49 am
Forum: Investing - Help with Personal Investments
Topic: VFIJX GNMA Admiral Dividend Came up short?
Replies: 10
Views: 626

Re: VFIJX GNMA Admiral Dividend Came up short?

I do not know but I would call Vanguard and ask them to clarify. Reinvested dividends usually show up the next business day in Vanguard funds. I hold a PIMCO fund at Vanguard (PIMIX) and its reinvested dividends take a couple days to show up.
by SpringMan
Sat Sep 30, 2017 6:38 pm
Forum: Personal Consumer Issues
Topic: Is the new Chevy Equinox any good?
Replies: 59
Views: 5816

Re: Is the new Chevy Equinox any good?

Bought a new 2017 equinox and am happy so far. The 2017 is not turbocharged and does not have auto start/stop.
by SpringMan
Mon Sep 25, 2017 7:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard charged me $140 in service fees
Replies: 31
Views: 5707

Re: Vanguard charged me $140 in service fees

If they don't fix it, it makes sense to find another investment firm, for example, Fidelity.
by SpringMan
Sun Sep 24, 2017 11:36 am
Forum: Investing - Theory, News & General
Topic: "My Favorite Mutual Fund"
Replies: 14
Views: 2053

Re: "My Favorite Mutual Fund"

The age in bonds guideline would make my favorite fund the Total Bond Market index, VBTLX/BND. At age 70, I am younger than Taylor. An assumption would be Taylor's choice is because he would be investing for his heirs.
by SpringMan
Sat Sep 23, 2017 2:36 pm
Forum: Personal Consumer Issues
Topic: IOS 11: Anybody using it yet?
Replies: 48
Views: 4612

Re: IOS 11: Anybody using it yet?

My wife's iPad was updated to IOS 11 and it broke one of her paid for games, Mahjong. It says an update is needed but apparently not yet available. Maybe they will fix it soon.
by SpringMan
Fri Sep 22, 2017 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Age you retired
Replies: 112
Views: 8703

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: 1117

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: 4862

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: 4862

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: 1334

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: 1334

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: 16820

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: 1946

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: 2373

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: 16015

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: 2553

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: 2353

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: 2213

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: 472

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: 472

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: 472

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: 4705

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: 4591

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: 913

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: 4729

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: 4219

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: 2167

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: 2167

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: 4219

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: 4866

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: 2335

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: 2335

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: 2335

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: 1634

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: 5086

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: 2374

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: 2022

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...