Search found 323 matches

by sycamore
Mon Mar 30, 2020 3:00 pm
Forum: Personal Consumer Issues
Topic: I think I may Cut the Cord - help me with phone
Replies: 16
Views: 763

Re: I think I may Cut the Cord - help me with phone

I've been using Ooma for the past year or so. I saved quite a bit of money compared to the landline I had with AT&T but the call quality has not be as good, e.g., sometimes the call is garbled on my end or the other person's end. Setting up the Ooma was mostly straightforward for me but I can see th...
by sycamore
Sun Mar 29, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 83
Views: 6762

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

If you think the stock market is going down, it would be a bad bet to own it. The better bet would be to short sell it or sell puts against it. ... Side question: I'm not an options expert, but I thought you would buy a put if you think the underlying stock (or ETF) is going to drop. A form of insu...
by sycamore
Sun Mar 29, 2020 10:18 am
Forum: Investing - Theory, News & General
Topic: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?
Replies: 83
Views: 6762

Re: Sitting on a bunch of cash; what to do with it if I believe we're headed for SPX 1800 and protracted recession?

If you think the stock market is going down, it would be a bad bet to own it. The better bet would be to short sell it or sell puts against it. ... Side question: I'm not an options expert, but I thought you would buy a put if you think the underlying stock (or ETF) is going to drop. A form of insu...
by sycamore
Tue Mar 24, 2020 9:00 am
Forum: Personal Investments
Topic: Tax Loss Harvesting in 0 percent capital gains bracket
Replies: 10
Views: 594

Re: Tax Loss Harvesting in 0 percent capital gains bracket

CoastalWinds wrote:
Mon Mar 23, 2020 7:23 pm
I would be tax gain harvesting if I were in the 0% bracket.
So would I. That is, if I had any gains to harvest! :shock:
by sycamore
Tue Mar 24, 2020 8:57 am
Forum: Investing - Theory, News & General
Topic: Quarterly distributions
Replies: 3
Views: 241

Re: Quarterly distributions

If we're talking about dividend distributions, my hunch is the first quarter (Jan - Mar) dividends would be only slightly impacted and we'll see bigger impacts going forward. Several large companies are reducing or suspending dividend payments. Hard to estimate dividend impact as there's still too m...
by sycamore
Tue Mar 24, 2020 8:44 am
Forum: Personal Consumer Issues
Topic: If you could only listen to one podcast...
Replies: 138
Views: 11229

Re: If you could only listen to one podcast...

UsualLine wrote:
Mon Mar 23, 2020 9:38 pm
In Our Time, BBC Radio 4. I cannot believe it has not been mentioned.
Ditto. I really enjoy the show and recommend it as we'll!

The show covers a wide variety of topics - history, art, science, religion, literature. There's over 400 episodes so lots to choose from.
by sycamore
Fri Mar 13, 2020 2:13 pm
Forum: Personal Investments
Topic: ICSH and other ultrashort term bond funds - should I be worried?
Replies: 13
Views: 1009

Re: ICSH and other ultrashort term bond funds - should I be worried?

There's definitely been a lot of volatility even in very short-term duration bond funds. Over the past week, ICSH down .60; GSY and NEAR down about 1.60; MINT down 1.4. BIL (Treasury only) is up a tiny amount 0.05. But each is all within its 52-week high and low range. OP, what do you think of the v...
by sycamore
Fri Mar 13, 2020 1:52 pm
Forum: Personal Investments
Topic: increasing my number of TLH pairs (ETFs held at Schwab)
Replies: 9
Views: 437

Re: increasing my number of TLH pairs (ETFs held at Schwab)

FoolMeOnce wrote:
Fri Mar 13, 2020 1:43 pm
I know the wiki for The Three-Fund Portfolio lists a few, but it would be nice to see a comprehensive list with the indexes the funds track.
There's a list on the wiki article Tax loss harvesting. Not comprehensive, but it's a start.
by sycamore
Fri Mar 13, 2020 1:41 pm
Forum: Personal Investments
Topic: increasing my number of TLH pairs (ETFs held at Schwab)
Replies: 9
Views: 437

Re: increasing my number of TLH pairs (ETFs held at Schwab)

I've often seen https://altruistfa.com/dfavanguard.htm recommended here for comparing funds of various asset class/sub-classes. I'm not sure how completely up-to-date it is. The focus was originally for DFA versus Vanguard funds, but the site helpfully provides links to other leading options. US lar...
by sycamore
Fri Mar 13, 2020 1:26 pm
Forum: Investing - Theory, News & General
Topic: QUICK Settlement Question: Same Day Sell MF, Buy Other MF
Replies: 3
Views: 203

Re: [Help for TODAY] Simple Settlement Question: Same Day Sell MF, Buy Other MF

If you have a Vanguard brokerage account then, yes, I think it should work based on a simple experiment I just tried. In my Trad IRA account at Vanguard, I hold one mutual fund, and nothing in my settlement fund. I tried to buy a new fund. When it prompted me where the money was coming from, I selec...
by sycamore
Wed Mar 11, 2020 2:54 pm
Forum: Investing - Theory, News & General
Topic: Tis The Season To Be Tax-Loss Harvesting
Replies: 22
Views: 1914

Re: Tis The Season To Be Tax-Loss Harvesting

Is there a rule on how long you have to wait after buying securities to sell? Hypothetically let’s say someone bought a big loser the first few days of March? Can I dump it right now? Hypothetically speaking of course. I believe that as long as you haven't made any other purchases (e.g. in a retire...
by sycamore
Wed Mar 11, 2020 12:24 pm
Forum: Personal Investments
Topic: VTI dividend drop
Replies: 41
Views: 3641

Re: VTI dividend drop

A company wouldn't lower dividends it pays just because its stock or even the whole stock market is doing poorly. Rather, a company would lower its dividend if it couldn't afford to pay it out for various reasons. Such as a severe decline in revenue due to customers not purchasing as much as stuff a...
by sycamore
Wed Mar 11, 2020 11:09 am
Forum: Investing - Theory, News & General
Topic: Help to Simplify my portfolio.!
Replies: 5
Views: 364

Re: Help to Simplify my portfolio.!

Hi, Thanks for a very details reply! I do not know much about the market or portfolio- Those funds, my boss set up for me before he retired. Follow your sugestion , I would do the following: 1/VTSMX (Tax ?) replace Alger 2/VBMSX. replace Metropolitan Bond 3/VGTSX. replace Oakmark 4/VFIAX ( unchange...
by sycamore
Wed Mar 11, 2020 9:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard First Quarter 2020 distribution schedule
Replies: 26
Views: 1565

Re: Vanguard First Quarter 2020 distribution schedule

I noticed the distribution rate was significantly lower on my high dividend yield account this payment compared to last ($.16 compared to $.23 per share) Kind of a shock to see my dividend payment lower even though I have more shares. Can someone kindly point me to a good resource for why this occu...
by sycamore
Wed Mar 11, 2020 9:51 am
Forum: Personal Investments
Topic: What happens if you never TLH?
Replies: 21
Views: 1678

Re: What happens if you never TLH?

Another potential benefit to TLH: it allows you to clean up an old/undesirable holding with large embedded gains. Say you've got an actively managed fund you bought years ago. You'd prefer to exchange it into a lower-cost index fund but doing so would incur large capital gains. If you have another f...
by sycamore
Wed Mar 11, 2020 9:05 am
Forum: Personal Investments
Topic: VG Fund to ETF Conversion - Cost Basis Impact
Replies: 7
Views: 406

Re: VG Fund to ETF Conversion - Cost Basis Impact

When I converted a couple of funds from Investor to Admiral classes 10 years ago, I had to go through the same accounting process. I just reviewed my cost basis accounting spreadsheet, and the method I used is apparently the same one described in this entry from The Finance Buff: Cost Basis Trackin...
by sycamore
Wed Mar 11, 2020 5:55 am
Forum: Investing - Theory, News & General
Topic: Help to Simplify my portfolio.!
Replies: 5
Views: 364

Re: Help to Simplify my portfolio.!

All those funds are in a Roth account so you can switch funds with no concern at least about tax implications. First suggestion is to read https://www.bogleheads.org/wiki/Investment_policy_statement so you can come up with your own personalized plan for deciding what to invest in. You do have a reas...
by sycamore
Tue Mar 10, 2020 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Will I really owe, net, over $3k in federal income tax in 2020?
Replies: 11
Views: 1418

Re: Will I really owe, net, over $3k in federal income tax in 2020?

mega317, teen persuasion -- thanks for adding the info regarding child tax credit depends on age... the (tax) devil is in the details.
by sycamore
Tue Mar 10, 2020 5:14 pm
Forum: Personal Finance (Not Investing)
Topic: Will I really owe, net, over $3k in federal income tax in 2020?
Replies: 11
Views: 1418

Re: Will I really owe, net, over $3k in federal income tax in 2020?

Another calculator to try is https://www.mortgagecalculator.org/calcs/1040-calculator.php. It's using the 2019 tax year rates still. I tried it out using these inputs: MFJ, 3 dependents Wages, salaries, tips, etc. = $12000 Business income or loss (Schedule C & E subject to self-employment taxes) = $...
by sycamore
Mon Mar 09, 2020 3:58 pm
Forum: Investing - Theory, News & General
Topic: BND Fell Today
Replies: 129
Views: 11187

Re: BND Fell Today

Is there a vanguard bond fund that only holds US treasury instruments of varying maturities? Do people here who are holding US govt instruments use bond funds at all or hold them directly? There's no "total" index bond fund for just treasurys (though there are index funds for short, intermediate, a...
by sycamore
Sat Mar 07, 2020 4:22 pm
Forum: Personal Investments
Topic: Move from bonds to Money Market,CDs, savings acct, etc.?[UPDATE]
Replies: 98
Views: 8374

Re: Move from bonds to Money Market,CDs, savings acct, etc.?

mailman781 wrote:
Sat Mar 07, 2020 2:40 pm
As previously stated many times, as interest rates go down the bond funds share price goes up. So if interest rates continue down and go negative, what will the bond price do then? Surely the price can not still go up.
Yes, it can. And don't call me Shirley.
by sycamore
Sat Mar 07, 2020 4:14 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1524
Views: 118929

Re: My trend following strategy and experience

Question. If you had a choice, which would you prefer? A. Stocks go up, by quite a lot, and stay up for several years. B. Stocks go down, by quite a lot, and stay down for several years. Answer, if you picked A, you are like 90% of investors who answered the question. But, unless you are selling st...
by sycamore
Sat Mar 07, 2020 4:12 pm
Forum: Personal Investments
Topic: Living off dividends in retirement?
Replies: 106
Views: 7791

Re: Living off dividends in retirement?

What did the dividend income come to during the sell off? My guess would be the dividend income went UP. I have SPHD and it pays a monthly dividend. Current value is down about 10%. On Dec 31 it paid $358. On Feb. 28 it paid $365. I think you meant the dividend yield went up. The income stayed the ...
by sycamore
Fri Mar 06, 2020 5:04 pm
Forum: Investing - Theory, News & General
Topic: My trend following strategy and experience
Replies: 1524
Views: 118929

Re: My trend following strategy and experience

Question. If you had a choice, which would you prefer? A. Stocks go up, by quite a lot, and stay up for several years. B. Stocks go down, by quite a lot, and stay down for several years. Answer, if you picked A, you are like 90% of investors who answered the question. But, unless you are selling st...
by sycamore
Fri Mar 06, 2020 4:47 pm
Forum: Investing - Theory, News & General
Topic: Difference between VBTLX and BND
Replies: 12
Views: 860

Re: Difference between VBTLX and BND

I bet the BND chart is a "price" chart (doesn't include dividends), whereas the VBTLX chart is a "growth" chart (includes reinvested dividends). I think 22twain has the correct answer -- morningstar.com shows price chart for ETFs but a growth chart for mutual funds. Same issue happens with VTI and ...
by sycamore
Fri Mar 06, 2020 3:36 pm
Forum: Personal Investments
Topic: ICSH and other ultrashort term bond funds - should I be worried?
Replies: 13
Views: 1009

Re: ICSH and other ultrashort term bond funds - should I be worried?

From what I can see at morningstar.com, many of the ultrashort bond funds contain a mix of corporate, "securitized" (I'm guessing mostly mortgage-related), and cash & equivalents. ICSH is almost half cash & equivalents, the rest in government corporate. [Edit: I originally pasted "corporate" when I ...
by sycamore
Thu Mar 05, 2020 7:31 pm
Forum: Investing - Theory, News & General
Topic: Preparation for ZIRP/NIRP (zero/negative interest rate policy)
Replies: 99
Views: 7083

Re: Preparation for ZIRP/NIRP (zero/negative interest rate policy)

I'm not preparing for it since I do not know what the landscape will look like. I might consider taking out a negative loan on my house. I still do not understand the concept of negative interest rates. Zero I understand. Most of my money is in tax deferred retirement accounts. I guess I'd have to ...
by sycamore
Thu Mar 05, 2020 4:50 pm
Forum: Personal Investments
Topic: Best bond fund for taxable
Replies: 12
Views: 2109

Re: Best bond fund for taxable

... If say you have a $6000 loss by doing TLH, I assume there is carryover? Yes indeed. Some people who TLH'd during the dot com crash and 2007-2009 crisis harvested so much in losses they're still carrying over! ...Do most people TLH late year, or just whenever it makes sense do them? And yes I wi...
by sycamore
Thu Mar 05, 2020 11:22 am
Forum: Investing - Theory, News & General
Topic: Bond funds - are they really safe?
Replies: 31
Views: 2470

Re: Bond funds - are they really safe?

For example EDV, duration 25 years. Say you buy 100k when the 30 day SEC yield is 3% In 25 years you'll have your 100k back plus 3% annual compounded interest - $209,378 ? Is there a web-based calculator that tells you how much you get if you sell after X years, based on the average interest rate o...
by sycamore
Thu Mar 05, 2020 11:02 am
Forum: Personal Investments
Topic: Best bond fund for taxable
Replies: 12
Views: 2109

Re: Best bond fund for taxable

Resurrecting this thread... :D Soon to place some good taxable monies into either VBILX, VWITX or VBTLX. We live in Oregon with a high state rate, and for the foreseeable future our incomes tops out in the 9.9% State and 24 % Federal rates. Does one look at the effective or marginal rate when compa...
by sycamore
Thu Mar 05, 2020 10:26 am
Forum: Personal Investments
Topic: Differences between Federal and Prime money market funds??
Replies: 25
Views: 2082

Re: Differences between Federal and Prime money market funds??

I live in California. Definitely get the Federal, the partial state income tax exemption will more than make up for the slight difference in yield. You should also consider the Municipal Money Market (VMSXX, exempt from Federal, but not California state tax) and California Municipal Money Market (V...
by sycamore
Thu Mar 05, 2020 9:44 am
Forum: Investing - Theory, News & General
Topic: Is this an opportunity to change asset location?
Replies: 6
Views: 604

Re: Is this an opportunity to change asset location?

... Edited to add that in taxable, I would buy vanguard intermediate term tax exempt as a proxy for total bond market in my Roth \end edit Check that Intermediate Term Tax-Exempt is better than Total Bond in taxable by comparing either after-tax yield or taxable-equivalent yield. Total Bond may be ...
by sycamore
Wed Mar 04, 2020 8:46 am
Forum: Personal Investments
Topic: Bond funds up, take inherited RMD now?
Replies: 6
Views: 468

Re: Bond funds up, take inherited RMD now?

No one knows for certain that bond funds will be lower this year. But let's assume enough people sell bonds that the price drops a bit, say 3%. What kind of dollar amount is 3% of the IRA for you: a 4 digit, 5 digit, or 6 digit figure? If it's a small amount, take the RMD now - the extra amount you ...
by sycamore
Mon Mar 02, 2020 9:39 pm
Forum: Investing - Theory, News & General
Topic: Expense ratios of Vanguard's funds being sold at other brokerage firms
Replies: 4
Views: 489

Re: Expense ratios of Vanguard's funds being sold at other brokerage firms

JRER, VXUS at Fidelity is on this page: https://screener.fidelity.com/ftgw/etf/goto/snapshot/snapshot.jhtml?symbols=VXUS I see multiple expense ratios listed: 1. Net Expense Ratio of 0.09% in upper right section. No date given. 2. Gross Expense Ratio of 0.095 in middle of page in "Performance" secti...
by sycamore
Mon Mar 02, 2020 8:43 pm
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 8669

Re: Forum is very slow?? is this just today?

LadyGeek wrote:
Mon Mar 02, 2020 8:18 pm
sycamore - I contacted mingstar (Larry). Do you still have the problem?
LadyGeek, the problem is gone for me now, yay! I can browse bogleheads pages over WiFi or cellular network just fine.

The big test is if things work better for kjsammy... I'll PM now.
by sycamore
Mon Mar 02, 2020 4:42 pm
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 8669

Re: Forum is very slow?? is this just today?

I suspect anyone using cellular network cannot connect. I tried with AT&T and have no issue. Your problem is clearly real but narrower than that. So far we have three people seeing the problem over T-Mobile. Consumer Cellular is my provider but I'm pretty sure they use T-Mobile for the actual airwa...
by sycamore
Mon Mar 02, 2020 11:48 am
Forum: Personal Investments
Topic: What to do with my Fidelity® ZERO Extended Market Index Fund in my Roth IRA
Replies: 4
Views: 312

Re: What to do with my Fidelity® ZERO Extended Market Index Fund in my Roth IRA

...however, with the Zero extended market index tracking so bad and performing so poorly I m thinking of just getting rid of it. ... I think the fund has been properly tracking its benchmark, i.e, the index that the fund is supposed to follow. According to Fidelity https://fundresearch.fidelity.com...
by sycamore
Mon Mar 02, 2020 9:02 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 8669

Re: Forum is very slow?? is this just today?

I suspect anyone using cellular network cannot connect. I tried with AT&T and have no issue. Your problem is clearly real but narrower than that. So far we have three people seeing the problem over T-Mobile. Consumer Cellular is my provider but I'm pretty sure they use T-Mobile for the actual airwa...
by sycamore
Mon Mar 02, 2020 8:59 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 8669

Re: Forum is very slow?? is this just today?

Browser doesn't matter. Can go anywhere else on the web except bh. I do not think problem was solved. I suspect anyone using cellular network cannot connect. Wow. How many? 5 days and no idea. It is whatever someone did during the day, Thursday. What does http://whatsmyuseragent.org/ report when yo...
by sycamore
Mon Mar 02, 2020 8:31 am
Forum: Forum Issues and Administration
Topic: Forum is very slow?? is this just today?
Replies: 151
Views: 8669

Re: Forum is very slow?? is this just today?

Bh is not accessible to me since Thursday late day, early evening. Was fine Thursday am and for years previous. Not slow. No access. It is not fixed. Confirmed with another person. When using cellular network, no VPN, it simply will not work. I had to download a free VPN to post this. I assume othe...
by sycamore
Mon Mar 02, 2020 8:00 am
Forum: Investing - Theory, News & General
Topic: TLH IJR to VXF - OK?
Replies: 16
Views: 780

Re: TLH IJR to VXF - OK?

Is there a time frame that's more beneficial to TLH if you get dividends? I hold a bunch of vanguard mutual funds. One thing to keep in mind is that qualified dividends can become unqualified (and therefore treated as regular income) if you don't hold the fund for long enough time. From https://www...
by sycamore
Sun Mar 01, 2020 8:26 pm
Forum: Investing - Theory, News & General
Topic: TLH IJR to VXF - OK?
Replies: 16
Views: 780

Re: TLH IJR to VXF - OK?

Is there a time frame that's more beneficial to TLH if you get dividends? I hold a bunch of vanguard mutual funds. One thing to keep in mind is that qualified dividends can become unqualified (and therefore treated as regular income) if you don't hold the fund for long enough time. From https://www...
by sycamore
Sun Mar 01, 2020 8:21 pm
Forum: Personal Investments
Topic: Vanguard Funds for Taxable Brokerage?
Replies: 6
Views: 931

Re: Vanguard Funds for Taxable Brokerage?

In general you want low expense ratio and tax-efficient funds that fit your asset allocation. Plenty of Vanguard funds meet those criteria. Vanguard Total Stock Market (VTSAX) or Vanguard S&P 500 Index (VFIAX) are commonly used for US Stock allocation. One of the fun things about taxable accounts is...
by sycamore
Sun Mar 01, 2020 11:19 am
Forum: Personal Finance (Not Investing)
Topic: My cost basis doesn't match what Vanguard has -- why?
Replies: 10
Views: 689

Re: My cost basis doesn't match what Vanguard has -- why?

I bought Hewlett-Packard back in 1997 for $5021 and left it alone.  Since then it has metastasized into 7 additional companies, one of them now no longer around (Verigy).  Due to the cost basis complications, I'm ready to sell the whole kit and kaboodle this year (before Xerox buys HPQ) so spent a ...
by sycamore
Sun Mar 01, 2020 10:37 am
Forum: Investing - Theory, News & General
Topic: Why do you hold bonds in your portfolio?
Replies: 288
Views: 20964

Re: Why do you hold bonds in your portfolio?

For someone utilizing the traditional 3-fund portfolio, would the G fund be a better option than total bond market? Or is the F Fund the better substitute? My guess is most 3-fund portfolio people use a "Total Bond" type of fund like the F fund. That's probably due to the ubiquity and marketing of ...
by sycamore
Sun Mar 01, 2020 8:34 am
Forum: Personal Consumer Issues
Topic: Alexa Dot
Replies: 18
Views: 1541

Re: Alexa Dot

AFAIK the security of Alexa/echo/dot devices is about as good as can be expected - there may be some potential attack surface that Amazon hasn't properly secured but I don't know of any outstanding security holes/problems. There are privacy issues, though, if that's what you mean by security. You're...
by sycamore
Sun Mar 01, 2020 7:59 am
Forum: Personal Investments
Topic: Vanguard Brokerage Account novice questions
Replies: 16
Views: 1119

Re: Vanguard Brokerage Account novice questions

Transactions only execute at the end of trading days when using mutual funds. You should cancel your pending transaction and perform a mutual fund EXCHANGE instead (sell to buy). Click the transaction icon beside a holding you want to sell and select exchange. Transaction will complete Monday after...
by sycamore
Sat Feb 29, 2020 1:53 pm
Forum: Personal Investments
Topic: vanguard managed payout fund
Replies: 26
Views: 4711

Re: vanguard managed payout fund

Vanguard has ended the managed payout portion of this fund. It is going to become the Vanguard Managed Allocation fund. https://www.barrons.com/articles/vanguard-throws-in-the-towel-on-its-managed-payout-fund-51582939988 https://advisors.vanguard.com/insights/article/vanguardmodifiesmanagedpayoutfu...
by sycamore
Fri Feb 28, 2020 3:38 pm
Forum: Personal Investments
Topic: 401k, ROTH & Brokerage Allocation
Replies: 2
Views: 183

Re: 401k, ROTH & Brokerage Allocation

Hello all, I am new here, but have read a lot of the posts on here with wonderful information. I am currently in the midst of redesigning my portfolio based on a more boglehead approach. I originally was investing 13% in my 401k and maxing out my ROTH. Through recent research I have found that my s...
by sycamore
Wed Feb 26, 2020 5:07 pm
Forum: Personal Investments
Topic: buying a Vanguard fund - how long does it take for transaction to be executed?
Replies: 8
Views: 692

Re: buying a Vanguard fund - how long does it take for transaction to be executed?

CyprusAvenue wrote:
Wed Feb 26, 2020 4:35 pm
Thanks, Broken Man.
DSInvestor wrote:
Wed Feb 26, 2020 4:15 pm
If I were putting in new money, I would go totally with ETFs. Just personal preference.
Is there any advantage to mutual funds over ETFs?
Yes, but it depends on who you ask. For various points of comparison, see the ETFs vs mutual funds wiki article.