Search found 4492 matches

by House Blend
Sat Nov 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3593

Re: Roth Investment Theory

averagedude wrote:
Sat Nov 10, 2018 8:25 am
The optimal strategy has been to invest it all on the first day you are allowed (Jan 1).
No, the optimal strategy is to invest money when you have it.
Waiting until Jan 1 is worse.
by House Blend
Sat Nov 10, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: Take taxes into account when rebalancing?
Replies: 44
Views: 2201

Re: Take taxes into account when rebalancing?

When one rebalances based on bands does one just rebalance to the band limit? Or does exceeding the band limit trigger full rebalance to the target AA? Seems like the former might be more appropriate when you having to pay taxes to rebalance. One does whatever one does. There are infinitely many to...
by House Blend
Sat Nov 10, 2018 8:21 am
Forum: Investing - Theory, News & General
Topic: Roth Investment Theory
Replies: 45
Views: 3593

Re: Roth Investment Theory

If you have $5,000 available to invest, you should invest it now.

If you've used up all of your tax-advantaged space for 2018, open a taxable account.

The time to worry about hitting the 2019 maximums for tax advantaged accounts is in 2019. (And BTW, the max for IRAs will be $6,000, not $5,500.)
by House Blend
Fri Nov 09, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Good explanation of how bond funds don't get crushed in rising rate environment
Replies: 64
Views: 6088

Re: Good explanation of how bond funds don't get crushed in rising rate environment

Thanks Nisprius, I had always thought of returns from my bond funds as interest rather than dividends. However I learned something from you today. If you hold your bonds in a fund rather than as individual bonds the returns are appropriately characterized as dividends. Sorry for continuing this OT ...
by House Blend
Thu Nov 08, 2018 9:22 pm
Forum: Personal Consumer Issues
Topic: Favorite "free stuff"?
Replies: 131
Views: 9546

Re: Favorite "free stuff"?

Software....

....from the OS on up. Most of what I need I get here
https://www.centos.org/download/
or here
https://dl.fedoraproject.org/pub/epel/
by House Blend
Fri Nov 02, 2018 9:59 am
Forum: Investing - Theory, News & General
Topic: When do YOU pull the trigger for TLH? [Tax Loss Harvesting]
Replies: 48
Views: 3092

Re: When do YOU pull the trigger for TLH?

And if the replacement fund drops by $300 the following week? And the replacement for that drops $300 the following week? I worry about my portfolio getting cluttered with a lot of non-substantially identical funds. My threshold is $500, if I can move to an existing fund, and $2000, if I have to in...
by House Blend
Mon Oct 29, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: Moving positions between taxable, tax-advantaged, & tax-free accounts
Replies: 3
Views: 484

Re: Moving positions between taxable, tax-advantaged, & tax-free accounts

In retirement, if your equities are mainly in taxable and your bonds in tax-advantaged, then when you need to raise spending cash, you sell equities in taxable and use bonds in tax-advantaged to buy those equity positions back (assuming you want to keep those positions). I’m currently in this posit...
by House Blend
Wed Oct 24, 2018 9:46 am
Forum: Investing - Theory, News & General
Topic: Tax loss harvesting and dividend distribution
Replies: 3
Views: 528

Re: Tax loss harvesting and dividend distribution

The ideal situation when harvesting from A to B is to do it all in one day, with that day cleverly chosen to be after B's distribution and before A's. The distribution in effect gets converted into unrealized cap gains. But it's not always easy to find a suitable B compatible with A in the above sen...
by House Blend
Sun Oct 07, 2018 8:26 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077621

Re: What Movie Have You Recently Watched?

Beirut (2018). A good spy thriller set in Beirut (mostly) during the early 1980s before the Israeli invasion. It's not a James Bond/Jason Bourne type thriller, but rather in the mold of le Carre. That is, no heroics but plenty of character flaws and shifting alliances. Change the CIA to MI-6 and re...
by House Blend
Sun Oct 07, 2018 7:11 am
Forum: Investing - Theory, News & General
Topic: Do I understand capital loss and carryover correctly?
Replies: 3
Views: 413

Re: Do I understand capital loss and carryover correctly?

It's more complex than that. There are two kinds of losses you must keep track of, long and short. At tax time, you add up your net short term gains and losses for the year and combine them with any carried over short term losses. Then do the same for long term. If one is positive (gains) and the ot...
by House Blend
Fri Oct 05, 2018 9:02 am
Forum: Investing - Theory, News & General
Topic: IRA's and Taxes
Replies: 6
Views: 557

Re: IRA's and Taxes

Thanks. So I am taking it as Roth distributions do not count towards income. In other words in this scenario when filing taxes I would only show 50K of income? Correct? Mostly correct. There are scenarios where you could pay penalties or Federal taxes on Roth withdrawals. But as long as you are at ...
by House Blend
Thu Oct 04, 2018 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?
Replies: 7
Views: 742

Re: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?

Myself having only taxable accounts, I am not super familiar with IRAs. So aside from rebalancing, which I understand, you are suggesting selling stocks (total domestic stock index) from the taxable funds, even when the market is down, is preferable to selling bonds from the IRA funds after the RMD...
by House Blend
Thu Oct 04, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?
Replies: 7
Views: 742

Re: Equities in taxable account, Bonds in IRA, which to withdraw when Stock Market is down?

First, the equity funds in taxable should be set to distribute dividends in cash, not reinvested. Second, you need to separate the question of which account to tap versus the question of which asset class to tap. And you (or rather the anonymous "someone") should not let the relative sizes of your a...
by House Blend
Tue Oct 02, 2018 8:04 am
Forum: Investing - Theory, News & General
Topic: Paying expenses out of pocket in tax-advantaged accounts?
Replies: 11
Views: 1301

Re: Paying expenses out of pocket in tax-advantaged accounts?

I don't know how much it can impact someone's portfolio performance but even some VG funds have 0.30 - 0.45% ER. I was wondering if those could be paid by billing the investor so that expenses are not taken out of contributions. It was not clear to me how the ER's are taken out of the accounts. In ...
by House Blend
Fri Sep 28, 2018 8:36 am
Forum: Investing - Help with Personal Investments
Topic: VG PAS Recommendations - Surprised/Disappointed?
Replies: 27
Views: 2900

Re: VG PAS Recommendations - Surprised/Disappointed?

For the 3 muni bond funds (about equal weight of each), long-term is there because it has a higher yield. But, they acknowledge that brings more risk so they add limited term to balance with a target duration of intermediate. I have to admit I see no logic here unless they are trying to time the ma...
by House Blend
Wed Sep 26, 2018 8:50 am
Forum: Investing - Theory, News & General
Topic: Digging deeper on advisability of Roth Conversions
Replies: 37
Views: 3305

Re: Digging deeper on advisability of Roth Conversions

Does it make sense to add to tax deferred accounts while doing Roth Conversions? While it's true that contributing $10K to tax-deferred and converting $10K to Roth at the same time looks like a two step solution to a one step problem, there can be advantages to separating the events in time. In an ...
by House Blend
Sun Sep 23, 2018 7:28 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4735

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

FWIW, I harvested losses from VWIUX on Tuesday this week. I exchanged it for a 2:1 mix of Long Term and Limited Term Tax Exempt. This ratio approximates both the current yield and duration of Intermediate. Good idea! I also harvested...all to Lim. Term Tax Exempt. Maybe next time... House Blend...t...
by House Blend
Fri Sep 21, 2018 9:50 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4735

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I need to TLH since I'm down over 1% and was just deciding tonight whether the time was right. Was going to swap into MUB (iShares IM Term Muni ETF; ER 0.07). Slightly higher credit quality (AA instead of A) and slightly longer duration (6.0 instead of 5.1 years) but they have tracked pretty closel...
by House Blend
Fri Sep 21, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4735

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

I need to TLH since I'm down over 1% and was just deciding tonight whether the time was right. Was going to swap into MUB (iShares IM Term Muni ETF; ER 0.07). Slightly higher credit quality (AA instead of A) and slightly longer duration (6.0 instead of 5.1 years) but they have tracked pretty closel...
by House Blend
Fri Sep 21, 2018 9:24 am
Forum: Investing - Theory, News & General
Topic: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]
Replies: 48
Views: 4735

Re: Buying VWIUX Today [Vanguard Intermediate-Term Tax-Exempt Muni Bond]

Bonus dividends. As VWLTX has a lower price than VWITX, you'll buy more shares for the same purchase. Meaning, you'll earn bonus dividends from the additional shares purchased. This is nonsense. Comparing prices between two mutual funds is absolutely meaningless. Any "bonus" dividends that VWLTX is...
by House Blend
Fri Sep 21, 2018 8:26 am
Forum: Investing - Theory, News & General
Topic: Simple-minded sayings?
Replies: 37
Views: 3120

Re: Simple-minded sayings?

libralibra wrote:
Thu Sep 20, 2018 11:45 am
A pithy saying doesn't really provide much analysis or end a debate.
Pfft. Looks like you missed the opportunity to respond in kind:

"A witty saying proves nothing."


https://en.wikiquote.org/wiki/Voltaire
by House Blend
Sat Sep 15, 2018 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2675

Re: Upper six-figures portfolio & tax management part 2

1-3. I will stop the dividend reinvestment. My RMDs + annual taxable dividends are currently ~$14k. Obviously this will increase as the Life Expectancy Factor decreases. Good estimate. I do need to replace the lost income from 401k contributions. Lifestyle creep I guess. I don't think I can max the...
by House Blend
Fri Sep 14, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2675

Re: Upper six-figures portfolio & tax management part 2

1-3. I will stop the dividend reinvestment. My RMDs + annual taxable dividends are currently ~$14k. Obviously this will increase as the Life Expectancy Factor decreases. Good estimate. I do need to replace the lost income from 401k contributions. Lifestyle creep I guess. I don't think I can max the...
by House Blend
Wed Sep 12, 2018 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 78
Views: 6925

Re: Wash sale question- are ITOT and VTI Substantially Identical?

Bigfoot and the Chupacabra are alive and well I see. There is no "context" of active mutual funds in the IRS publication and language I provided. Again - "making things up". You seem to be forgetting that IRS Publications are not tax law. Just today in another thread I pointed out a special case in...
by House Blend
Wed Sep 12, 2018 4:46 pm
Forum: Investing - Help with Personal Investments
Topic: Upper six-figures portfolio & tax management part 2
Replies: 18
Views: 2675

Re: Upper six-figures portfolio & tax management part 2

Some of this has already been said: 1. Do not auto-reinvest dividends in taxable. 2. Add the cash flow from those dividends to the cash flow from RMDs generated by the inherited IRAs. That's maybe $16K/year ballpark. 3. Unclear whether you are maxing out your 401(k) + Roth IRA. Do that. Use the extr...
by House Blend
Wed Sep 12, 2018 9:19 am
Forum: Investing - Help with Personal Investments
Topic: Avoid unqualified dividends by selling a lot too quickly when TLH.
Replies: 7
Views: 1311

Re: Avoid unqualified dividends by selling a lot too quickly when TLH.

As long as 9/13 is before the record date for Q3 dividends, you should be ok, but I would only sell if I could sell at a loss. Thanks House Blend. This Vanguard page lists the upcoming dividend schedule and uses the term declaration date. This Vanguard page lists historical dividend dates and uses ...
by House Blend
Wed Sep 12, 2018 8:57 am
Forum: Investing - Theory, News & General
Topic: Short-term Treasury vs. Limited-Term Tax-Exempt
Replies: 10
Views: 1347

Re: Short-term Treasury vs. Limited-Term Tax-Exempt

The only reason I might keep a few shares of VMLUX is that of the last six months of reinvested dividends, there are losses on the most recent three months. The amounts are trivial, but I'd rather not mess around with the tax accounting regarding losses on shares bought within six months. That's a ...
by House Blend
Mon Sep 10, 2018 8:39 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100212

Re: [What TV Show Have You Recently Watched?]

...Next up - Mad Men , on Netflix. I rarely go for pure drama, meaning it's not sci-fi or an action-packed thriller (Breaking Bad, etc.). The over-emphasized stereotypical gender discrimination (to put it mildly...) got me annoyed, as I think it was unrealistic. However, I can see why this series w...
by House Blend
Mon Sep 10, 2018 8:27 am
Forum: Personal Consumer Issues
Topic: [What TV Show Have You Recently Watched?]
Replies: 923
Views: 100212

Re: [What TV Show Have You Recently Watched?]

Sons of Anarchy. Watched the first two episodes, then stopped... I couldn't see how this plot is going for 7 seasons. The same could be said for Breaking Bad . And yet... SOA has many similarities with BB. It takes a few episodes to get into the plot and character development. Admittedly Ron Perlma...
by House Blend
Wed Sep 05, 2018 9:25 am
Forum: Personal Consumer Issues
Topic: What will you do when you find you have more money than expected?
Replies: 91
Views: 9961

Re: What will you do when you find you have more money than expected?

The Barenaked Ladies have this all figured out.

Among their suggestions:
* switch to Dijon Ketchup
* buy her a fur coat (but not a realfurcoat that's cruel)
by House Blend
Wed Sep 05, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Wash sale question
Replies: 11
Views: 598

Re: Wash sale question

I have shares of VTIAX purchased last week in my IRA. If I sell all of those shares on the same day I sell the VTIAX in my taxable account, does that create a wash sale? I was assuming that since all the shares are being sold on the same day, no shares would exist after the sale to be considered re...
by House Blend
Tue Sep 04, 2018 11:40 am
Forum: Investing - Help with Personal Investments
Topic: Is it correct, not to make a non-tax deductible IRA contribution ?
Replies: 12
Views: 889

Re: Is it correct, not to make a non-tax deductible IRA contribution ?

It was stated in another thread that: Taxable investments have always been and are far preferable to making non-deductable(sic) contributions to a traditional IRA that you can not convert to a Roth IRA or did not even exist. I have been contributing to my traditional IRA for years, even during the ...
by House Blend
Tue Sep 04, 2018 9:01 am
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2539

Re: Roth conversion with future RMD and SS

Agreeing with the OP, marginal rates don't always tell the whole story. Roth conversion decisions would be much easier in a world where your marginal tax rate cannot decrease with increased income. For better or worse, that's not the world we live in. The rules governing taxation of SS creates one o...
by House Blend
Mon Sep 03, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: Roth conversion with future RMD and SS
Replies: 28
Views: 2539

Re: Roth conversion with future RMD and SS

Recently I was doing some calculations looking at the effect of Roth conversions on taxation of RMD's and SS. My situation is that I have other income in retirement that puts me in the 12% tax bracket. With my current portfolio size (and associated RMD's) and expected SS, I expect to be in the 12% ...
by House Blend
Mon Sep 03, 2018 12:16 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155834

Re: Boglehead Beer

Here are some I have enjoyed recently. Founders Angry Bastard Prolly you meant Dirty Bastard, or the barrel-aged version Backwoods Bastard. Both get a thumbs up from me. :sharebeer As for other Scotch Ales, I've yet to try Scotty Karate from Dark Horse. I came close to trying Under the Kilt from Dr...
by House Blend
Mon Sep 03, 2018 12:08 pm
Forum: Personal Consumer Issues
Topic: Boglehead Beer
Replies: 837
Views: 155834

Re: Re:

$5.19/single 22 oz beer? :shock: That's actually pretty mid-price for a 22 oz craft beer. Plenty more in the $7-10 range. Very few <$3 in that category. I get my 64 oz growler filled at my local breweries, usually for about $20-25. For a 22oz, $5 is super cheap. Around $10 is standard and some are ...
by House Blend
Fri Aug 31, 2018 10:11 am
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4417

Re: Expense ratios and fees - Fidelity and flip flopping advice

When you start obsessing over ER differences of less than 10bp, many other factors come into play. Already mentioned are tracking error and (for taxable investors) tax efficiency. One that I don't think has been mentioned yet is the variation between indexes that supposedly cover the same asset clas...
by House Blend
Fri Aug 31, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Expense ratios and fees - Fidelity and flip flopping advice
Replies: 61
Views: 4417

Re: Expense ratios and fees - Fidelity and flip flopping advice

These benefits are real, not overblown. I’d say they are both. I agree. They are overblown in the sense that although the effect is typically nonzero (if you pay nonzero tax rates on those distributions), it's often not as bad, dollar-for-dollar, as the tax consequences of a qualified dividend dist...
by House Blend
Mon Aug 27, 2018 4:57 pm
Forum: Personal Consumer Issues
Topic: finding the error in my federal tax return
Replies: 18
Views: 1924

Re: finding the error in my federal tax return

I think both end up using the QDCG wksht so it's still a mystery to me what IRS did.....perhaps they treated the CG distrib. were ordinary income ........which would be a bit weird and hard to understand....... The OP filed a paper return, so the transcriber could have omitted the entry on line 9b ...
by House Blend
Mon Aug 27, 2018 8:51 am
Forum: Investing - Theory, News & General
Topic: Best way to sell long held mutual fund
Replies: 13
Views: 1458

Re: Best way to sell long held mutual fund

if the fund is 100% gains, you are going to sell 100% of it, then it doesnt matter. No, it can matter when there is a wide range of purchase prices and that price range correlates with short term versus long term. Ex: You have 900 shares with a long term gain of $10/share, and 100 shares with a sho...
by House Blend
Sun Aug 26, 2018 8:19 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 3812
Views: 1077621

Re: What Movie Have You Recently Watched?

Watched Bad Day for the Cut (2017) recently on Netflix. It's a sort of noir revenge flick set in Northern Ireland, with a bit of black comedy. Well done. Has interesting plot twists that make it more than just a typical genre picture. If you liked Blood Simple [early Coen brothers], you'll probably ...
by House Blend
Fri Aug 24, 2018 8:46 am
Forum: Investing - Theory, News & General
Topic: Why aren't distribution estimates available year-round
Replies: 4
Views: 470

Re: Why aren't distribution estimates available year-round

Of course they don't know what the future is going to bring nor do they now when they put out estimates with 2 to 3 months to go before the distribution. But they certainly know what they currently have to distribute (you can usually find it in mid-year semi-annual report financial statements) - in...
by House Blend
Fri Aug 24, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Home Country Bias
Replies: 31
Views: 2805

Re: Home Country Bias

It will be a matter of time and you'll see a cherry picked past performance chart. Below you'll see the phrases "0% international works for me". Followed by "past performance is no guarantee of future results." Then you'll see another post or two explaining they don't invest in international becaus...
by House Blend
Wed Aug 22, 2018 12:46 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Tax Return Question - Recharacterization and Extension to File
Replies: 8
Views: 400

Re: 2017 Tax Return Question - Recharacterization and Extension to File

did you mean to convert the tIRA, for backdoor purposes? cause then you cant recharacterize it. just send a 1040x, send the payment, and send a letter saying sorry, honest mistake can you not penalize me? No, no, and no. 1. Backdoor situation seems unlikely, given that the OP or spouse made a $5500...
by House Blend
Wed Aug 22, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: 2017 Tax Return Question - Recharacterization and Extension to File
Replies: 8
Views: 400

Re: 2017 Tax Return Question - Recharacterization and Extension to File

If you already paid 90% of the tax due on time and filed an extension, I believe you would not be subject to a *penalty*, but will be subject to interest for a late payment. I think the current rate is 4%/year. https://www.irs.gov/newsroom/what-to-know-about-late-filing-and-late-paying-penalties Sin...
by House Blend
Tue Aug 21, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: VG PAS Recommendations - Surprised/Disappointed?
Replies: 27
Views: 2900

Re: VG PAS Recommendations - Surprised/Disappointed?

Is it possible that they already have taxable holdings of 500 index, and the recommendation is implicitly acknowledging that there's no point in exchanging those holdings for TSM (at a potentially large cap gain)? I agree that the bond setup is a head-scratcher but not a disaster. I especially see n...
by House Blend
Sat Aug 18, 2018 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: How to Treat "Negative" Basis in Nondeductible IRA
Replies: 52
Views: 2600

Re: How to Treat "Negative" Basis in Nondeductible IRA

Why would you not convert? You are no worse off in a Roth, are you? Best case you have some remaining basis to carry forward. Worst case is you come out the same, no income or loss on either the non deductible or Roth as long as the ND remains below basis. You make a good argument. I should restate...
by House Blend
Thu Aug 16, 2018 2:23 pm
Forum: Investing - Theory, News & General
Topic: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?
Replies: 13
Views: 1122

Re: Since you would want to eventually reinvest dividends/distros anyways, why wouldn't you make them automatic for TLH?

1) Would you want to keep A and B relatively balanced in terms of size (e.g. $10k in A $9.5k in B)? Do you only ever touch fund B in TLH situations? I would view A and B as equal partners. Certainly you should be willing to harvest losses in either direction. You might have a preference for A, so y...
by House Blend
Thu Aug 16, 2018 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Avoid unqualified dividends by selling a lot too quickly when TLH.
Replies: 7
Views: 1311

Re: Avoid unqualified dividends by selling a lot too quickly when TLH.

1. How exactly do you calculate the important dates? 2. When is the first day (before 4 PM) when you can place the order to switch back to the old fund without triggering a wash sale? Is it 9/13/2018 before 4 PM? Yes, if you sold at a loss on 8/13, you can buy back on 9/13 without creating a wash. ...
by House Blend
Thu Aug 16, 2018 10:36 am
Forum: Investing - Theory, News & General
Topic: OK, maybe Vanguard's website IS a little old... "56K dial-up..."
Replies: 19
Views: 2395

Re: OK, maybe Vanguard's website IS a little old... "56K dial-up..."

nisiprius wrote:
Wed Aug 15, 2018 3:09 pm
On Googling, maybe Vanguard was just being courteous, not archaic?
No way it's courtesy, or we would not be forced to do account management on a website that is optimized only for smart phones.