Search found 301 matches

by drzzzzz
Sat Jan 19, 2019 1:06 pm
Forum: Investing - Theory, News & General
Topic: Rebalancing portfolio using "bands"?
Replies: 13
Views: 511

Re: Rebalancing portfolio using "bands"?

Can someone explain to me what this means? I've seen that phrase posted on this site and elsewhere. Thanks. If your target allocation is 60% stocks and 40% bonds and you take these initial positions, when your check your allocation one quarter later (a common rebalancing period) your allocation wil...
by drzzzzz
Sat Jan 19, 2019 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Never thought it would happen to me - life changing injury
Replies: 38
Views: 4415

Re: Never thought it would happen to me - life changing injury

Sorry to hear about the accident and your misfortune - you are also remarkable with your positive attitude and plans for the future. I would recommend you talk with Vanguard's Personal Advisory Services since I think they will help you consolidate, put together a reasonable plan that is not too risk...
by drzzzzz
Wed Jan 16, 2019 11:30 pm
Forum: Investing - Theory, News & General
Topic: When/why have you needed customer service from Fido, VG, Schwab etc.?
Replies: 30
Views: 1459

Re: When/why have you needed customer service from Fido, VG, Schwab etc.?

I must be a difficult and demanding customer since I have called my flagship rep numerous times and also have gone into Fidelity's offices. At Vanguard, issues have often been about transferring or opening accounts and it not happening in a timely fashion including opening up a trust account which t...
by drzzzzz
Sun Jan 13, 2019 10:12 pm
Forum: Investing - Help with Personal Investments
Topic: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?
Replies: 11
Views: 877

Re: What does it mean that Vanguard's PAS will default to using use the MinTax cost basis method?

Hopefully as you continue in your career, your income will increase so that eventually you will have substantial assets in your taxable account. Vanguard will then have to rebalance the taxable account at some point, and minimizing taxes is always good. However, Vanguard's algorithm for minimizing ...
by drzzzzz
Fri Jan 11, 2019 10:45 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3123

Re: Fidelity Problems

They follow different indices so I think many might say not substantially identical.
by drzzzzz
Fri Jan 11, 2019 10:15 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity problems and what is substantially similar
Replies: 24
Views: 3123

Re: Fidelity Problems

I am confused, is this in an IRA or a taxable account where you were doing the TLH since TLH only works in a taxable account. I am working with Vanguard where they reinvested dividends (contrary to the account instructions) to funds that I had sold to TLH in two different taxable accounts causing a ...
by drzzzzz
Wed Jan 09, 2019 4:40 pm
Forum: Investing - Theory, News & General
Topic: Fell in Love with Fidelity
Replies: 60
Views: 6188

Re: Fell in Love with Fidelity

I used to love Fidelity for all the reasons mentioned already. I moved all my old 401Ks to them and it was a breeze...And then, I tried to move a few thousand out of Fidelity and they made it a total hassle including requiring the dreaded bank medallion. When I consolidated my accounts with them, n...
by drzzzzz
Wed Jan 09, 2019 2:48 pm
Forum: Investing - Theory, News & General
Topic: Your Vanguard Page
Replies: 32
Views: 2858

Re: Your Vanguard Page

I check it bi weekly or monthly just to make sure automatic investments are going through and dividends are being reinvested properly, mainly because I had an issue a few times with these things. Otherwise, though, I don't really look into too much detail. When I first started out I looked at those...
by drzzzzz
Wed Jan 09, 2019 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Help me Built a Dividend Growth Investment Portfolio
Replies: 19
Views: 1449

Re: Help me Built a Dividend Growth Investment Portfolio

Most won't recommend your approach or do it themselves, but look at the following - all offered by Vanguard VHDYX - Vanguard High Dividend Index of VDIGX - Vanguard Dividend Growth as well as VIG or VYM (both etfs)
by drzzzzz
Wed Jan 09, 2019 7:19 am
Forum: Investing - Help with Personal Investments
Topic: generating money safely/ cd interest/treasuries --is this ok?
Replies: 9
Views: 886

Re: generating money safely/ cd interest/treasuries --is this ok?

Deoending on the state that you live in and if you don't want to tie the money up for 3 years, you might also consider VUSXX (recent yield of 2.3%) as another option since available at anytime, super safe since on US treasuries, and the yield somewhat higher depending on your state and/or local taxes.
by drzzzzz
Mon Jan 07, 2019 1:35 pm
Forum: Investing - Help with Personal Investments
Topic: VTI Dividend and Incorrect Execution
Replies: 7
Views: 688

Re: VTI Dividend and Incorrect Execution

Wanted to provide feedback since after I contacted my Flagship rep with the issue, he called back and said they are going to correct the error they made in reinvesting the dividends when they should have gone to cash and the settlement account. However, my rep and the individual in the Retail Resolu...
by drzzzzz
Sat Jan 05, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 2689

Re: Vanguard Statements - Print or Electronic

Since 2012, all transactions in taxable accounts have specific cost basis available on-line as as option as long as you use specific ID, so I not sure what the benefit is to printing the statements, not even sure downloading them is essential for statements since 2012, unless you think Vanguard or a...
by drzzzzz
Fri Jan 04, 2019 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Consolidate to Fidelity?
Replies: 50
Views: 2901

Re: Consolidate to Fidelity?

Question: Does Fidelity have "agent authorization" similar to Vanguard. Right now, at VG, I have full authority on DW's IRA's to do transactions, withdrawals, etc. It's more or less VG's way of giving out Durable POA. I also can see all of our accounts (mine and hers) on one screen when I log in. I...
by drzzzzz
Sat Dec 29, 2018 10:20 pm
Forum: Personal Consumer Issues
Topic: Best bet for streaming YouTube TV on my TV?
Replies: 27
Views: 2004

Re: Best bet for streaming YouTube TV on my TV?

i stream using chromecast and can stream from either my phone or my chromebook or pc
by drzzzzz
Sat Dec 29, 2018 6:58 pm
Forum: Investing - Theory, News & General
Topic: Who pays the capital gains tax on ETF assets?
Replies: 37
Views: 2300

Re: Who pays the capital gains tax on ETF assets?

This is why an ETF is tax-efficient. Mutual funds are subject to double-taxation: once at the fund level, and once at the underlying shares level. ETFs are only subject to taxes at the fund level. I'm not sure what that is supposed to mean, but there is no double taxation of mutual funds. A mutual ...
by drzzzzz
Sat Dec 29, 2018 9:36 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6426

Re: Vanguard personal advisor service (PAS) for high net worth?

MY POINT BEING: I don't think they can do TLH without considering cost basis. [/quote] You are correct, they can't do TLH without cost basis and since they wouldn't use specific ID we dropped them since I think that is the only logical way to do TLH. You can TLH using average cost, but that only use...
by drzzzzz
Sat Dec 29, 2018 9:20 am
Forum: Investing - Help with Personal Investments
Topic: VTI Dividend and Incorrect Execution
Replies: 7
Views: 688

Re: VTI Dividend and Incorrect Execution

It's never happened to me. If they did not follow the reinvestment settings for the account and ETF that were in place when the distribution occurred, call them and I'm confident they can reverse/correct the mistake. I would suggest that you double check the settings, though, just to make sure. The...
by drzzzzz
Sat Dec 29, 2018 8:04 am
Forum: Investing - Help with Personal Investments
Topic: VTI Dividend and Incorrect Execution
Replies: 7
Views: 688

VTI Dividend and Incorrect Execution

This is a rant, but a suggestion for others to check as well. I have all of my dividend and capital gain distributions set to cash and send to settlement account for each of my holdings in my taxable accounts (both mutual funds and ETF). I see Vanguard just distributed a dividend last night on my VT...
by drzzzzz
Sat Dec 29, 2018 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6426

Re: Vanguard personal advisor service (PAS) for high net worth?

We used their service and left over an issue that was important to us (specific identification of mutual funds in our account since PAS was only using average cost). Without using specific ID, I don't know how they can do effective or any tax loss harvesting (unless the entire position is underwate...
by drzzzzz
Fri Dec 28, 2018 10:50 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard personal advisor service (PAS) for high net worth?
Replies: 70
Views: 6426

Re: Vanguard personal advisor service (PAS) for high net worth?

We used their service and left over an issue that was important to us (specific identification of mutual funds in our account since PAS was only using average cost). Without using specific ID, I don't know how they can do effective or any tax loss harvesting (unless the entire position is underwater).
by drzzzzz
Fri Dec 28, 2018 10:38 pm
Forum: Personal Consumer Issues
Topic: Do Hertz/Avis really cost double Enterprise?
Replies: 58
Views: 3271

Re: Do Hertz/Avis really cost double Enterprise?

Try Costco, but my favorite for car rentals is hotwire.com - won't tell you which car company, but prices are always the cheapest and for me a car that I am renting is a commodity, don't really care which company as long as I can pick it up at the airport and the price is good.
by drzzzzz
Fri Dec 28, 2018 1:49 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]
Replies: 153
Views: 13568

Re: [Vanguard Founder Jack Bogle Says It’s Time to Play It Safe]

My take is that he is saying what he has been saying for awhile which is how much risk that you want to take along with returns reverting to means - if you have had sky high returns the last few years, they will eventually diminish since we revert to the mean at some point - the only question is whe...
by drzzzzz
Sat Dec 22, 2018 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion in a down market?
Replies: 9
Views: 1064

Re: Roth Conversion in a down market?

For boomers, I think you hit the nail on the head - many of us have a fairly large traditional IRA/401K since tax deferred was the only account available, but not Roth accounts when we started saving - and income limits were also often an issue for Roth eligibility. I am aggressively converting trad...
by drzzzzz
Thu Dec 20, 2018 9:14 pm
Forum: Investing - Help with Personal Investments
Topic: Stick with Fidelity or open Vanguard account?
Replies: 34
Views: 1650

Re: Stick with Fidelity or open Vanguard account?

Have both, Vanguard cheaper for a few things like money market fund, but Fidelity wins with customer service, efficiency, and getting things done in a timely fashion - their personnel and IT support seems to be much better IMHO.
by drzzzzz
Thu Dec 20, 2018 9:11 pm
Forum: Investing - Theory, News & General
Topic: Who's buying today? where's all the "dry powder" folks at? :)
Replies: 248
Views: 20930

Re: Whose buying today? where's all the "dry powder" folks at? :)

Buying stocks, tax loss harvesting, and seems to be a good time to do roth conversions since prices are lower now than a few months back
by drzzzzz
Thu Dec 20, 2018 8:23 am
Forum: Investing - Help with Personal Investments
Topic: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]
Replies: 13
Views: 1350

Re: VUBFX (VUSFX admiral) vs. VMMXX [Vanguard Ultra-short bond vs. Prime money market]

How does Vanguard federal money market (VMFXX) which is the settlement account differ from Vanguard treasury money market (VUSXX)- the yields appear to be nearly identical (2.24% for VMFXX and 2.25% for VUSXX) - why not just use the settlement account rather than opening up the treasury money market...
by drzzzzz
Wed Dec 19, 2018 9:36 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with active funds in taxable in current market?
Replies: 11
Views: 932

Re: What to do with active funds in taxable in current market?

Other options to consider other than selling and paying the taxes - I have gifted shares to family members in lower tax brackets since the shares are gifted with my tax basis and if they decide to sell the tax consequences are lower; II sell any losers for tax loss harvesting; and have donated appre...
by drzzzzz
Tue Dec 18, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is there an easy way to look up Roth IRA conversions totals on Vanguard?
Replies: 8
Views: 328

Re: Is there an easy way to look up Roth IRA conversions totals on Vanguard?

Mine also listed as rollover contributions in the retirement/distribution tab
by drzzzzz
Sat Dec 15, 2018 5:38 pm
Forum: Personal Consumer Issues
Topic: How much do you pay for internet only?
Replies: 79
Views: 5188

Re: How much do you pay for internet only?

You pay whatever the local market providers are charging - hopefully you have more than one provider so there is a little competition. When we just had comcast available it was expensive, but now with verizon in the market as well, that has given us options to switch.
by drzzzzz
Thu Dec 13, 2018 9:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Charitable Website Improved
Replies: 5
Views: 605

Re: Vanguard Charitable Website Improved

You already funded an account at Vanguard, but for others, If you want to play with Fidelity's demo to see if your church or organization is already listed, just follow the link https://www.demo-charitablegift.com/cgfweb/CGFLogon.cgfdo#/demo click on start demo, any account, then grant to charities ...
by drzzzzz
Thu Dec 13, 2018 1:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Charitable Website Improved
Replies: 5
Views: 605

Re: Vanguard Charitable Website Improved

Just formed a DAF at Fidelity since have much lower minimums to fund as well as to give a contribution (only $50). We transferred appreciated mutual funds from Vanguard to Fidelity and it was easily and quickly handled by Fidelity. Have since given to over 8 charities through their foundation and it...
by drzzzzz
Fri Dec 07, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring Fidelity IRA to Vanguard IRA -- Does Current Allocation Seem Okay?
Replies: 10
Views: 676

Re: Transferring Fidelity IRA to Vanguard IRA -- Does Current Allocation Seem Okay?

I don't think your choices are bad and cover the span of the market with a tilt toward healthcare, but what you might want to also consider is how you would react if your account drops by 30 or 50 % since you have all stock funds listed and you give the impression that either money is tighter or you...
by drzzzzz
Fri Dec 07, 2018 1:59 pm
Forum: Personal Consumer Issues
Topic: Root Canal - dentist or endodontist
Replies: 47
Views: 3670

Re: Root Canal - dentist or endodontist

Our dentists have always referred us to an endodontist
by drzzzzz
Fri Dec 07, 2018 1:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 13
Views: 1618

Re: Warning: Problem with Vanguard Automatic Transactions for 12/06/2018

I have multiple trades/exchanges that I placed before the 4 pm close yesterday that don't appear to be executed and only saw pending or in progress when normally they would have settled over night
by drzzzzz
Wed Dec 05, 2018 5:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 13
Views: 2091

Re: Vanguard mobile check deposit

FYI - I have both etf and mutual funds in the brokerage account and mobile check deposit works. The settlement account is whatever the Vanguard default is since I don't think they give you choices (in contrast to Fidelity).
by drzzzzz
Wed Dec 05, 2018 11:40 am
Forum: Personal Consumer Issues
Topic: Best values at Costco? Honestly, a little disappointed...
Replies: 188
Views: 21000

Re: Best values at Costco? Honestly, a little disappointed...

The individual seasoned frozen salmon portions are great as well as the eggplan parm (which is on sale right now); also seltzer usually cheaper than in the store. Their sliced turkey packages and hummous are usually good deals as well, along with many of the cheeses. As others have said, you need to...
by drzzzzz
Wed Dec 05, 2018 11:17 am
Forum: Investing - Theory, News & General
Topic: Vanguard mobile check deposit
Replies: 13
Views: 2091

Re: Vanguard mobile check deposit

It works for me on an Android phone - wasn't working for the past few years
by drzzzzz
Sat Dec 01, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: Are Corp Bonds Worth Risk?
Replies: 66
Views: 5728

Re: Larry Swedroe: Are Corp Bonds Worth Risk?

I don't understand the following from the article - Larry writes that over the period studied, VFITX returned 5.2% per year, underperforming VFICX’s return of 5.8% per year. Yet when he ran a portfolio with VINIX at 60% with each of the above bond funds at 40% using portfolio analyzer, there were id...
by drzzzzz
Wed Nov 28, 2018 5:57 pm
Forum: Investing - Theory, News & General
Topic: Do Fidelity Offices/Advisors Add Value?
Replies: 44
Views: 2790

Re: Do Fidelity Offices/Advisors Add Value?

I don't use a Fidelity advisor, but have multiple accounts there now and Fidelity having a conveniently located brick and mortar building was part of the decision process. While most of our funds are at Vanguard, I find getting things done are often irritating and time consuming at Vanguard whereas ...
by drzzzzz
Tue Nov 27, 2018 5:42 am
Forum: Investing - Theory, News & General
Topic: Anyone invest in Vanguard's Health Care Fund?
Replies: 20
Views: 1816

Re: Anyone invest in Vanguard's Health Care Fund?

I have had it for a long time and it has done well, but would suggest if you purchase it to place it in a tax-deferred account since it generates a lot of yearly capital gains/dividends.
by drzzzzz
Sun Nov 25, 2018 2:14 pm
Forum: Personal Consumer Issues
Topic: Purchasing a Bathroom Vanity
Replies: 6
Views: 601

Re: Purchasing a Bathroom Vanity

I would just google bathroom vanities and multiple sites come up. We have done three bathrooms and have ordered all the vanities online without seeing them in person and have been very happy with the quality and look of the vanities.
by drzzzzz
Mon Nov 19, 2018 3:20 pm
Forum: Investing - Help with Personal Investments
Topic: Am I understanding this right about DAFs? If so...wow
Replies: 33
Views: 4006

Re: Am I understanding this right about DAFs? If so...wow

We are doing something similar this year with Vanguard Capital Opportunity Fund which is planning to distribute 8.96% of the funds as a capital gains distribution this year - we have started the process of transferring the funds to a Fidelity DAF and take the donation as a charitable deduction rathe...
by drzzzzz
Mon Nov 19, 2018 3:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 225
Views: 18402

Re: Vanguard lowering Admiral level to $3,000?

I wonder if it's only me or whether lots of other clients will also find it irritating that Vanguard is making a big splash about lowering the admiral fee level, then when you click on the link that tells you the funds are eligible, you get a notice that you have no funds that meet the criteria and ...
by drzzzzz
Sat Nov 17, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: Ed Slott & Roth Conversions
Replies: 45
Views: 3654

Ed Slott & Roth Conversions

Went to a recent talk by Ed Slott (https://www.irahelp.com/ his website), who many consider a very knowledgeable guru on IRA accounts. My take was that for many of us who have large traditional IRA accounts (since Roth accounts were either unavailable or not in existence when we were saving) and are...
by drzzzzz
Thu Nov 15, 2018 10:26 pm
Forum: Investing - Theory, News & General
Topic: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund
Replies: 19
Views: 2375

Re: Press Release--Vanguard Continues To Expand Active Fixed Income Offerings With Proposed Global Credit Bond Fund

How is this different from Vanguard Total International Bond or BNDX - is it active management compared to a passive index?
by drzzzzz
Tue Nov 13, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1581

Re: Vanguard Year-End distribution estimates

The capital opportuniy VHCAX capital gains distribution is high enough that I decided to try to simplify and make my portfolio more tax efficient since I really don't want to pay taxes on the 8.96% that they anticipate distributing - going to open up a donor advised fund with the shares, but at Fide...
by drzzzzz
Tue Nov 13, 2018 9:03 pm
Forum: Investing - Help with Personal Investments
Topic: Oops! Edward Jones tops Vanguard in customer survey
Replies: 50
Views: 5371

Re: Oops! Edward Jones tops Vanguard in customer survey

It's not just the actual number, but rather that they dropped a few points from where they were and are now "similar to the others in scoring on customer service". I would think Vanguard would prefer to be at the head of the pack rather than in the pack.
by drzzzzz
Tue Nov 13, 2018 2:09 pm
Forum: Investing - Help with Personal Investments
Topic: MAJOR Vanguard Screwups in 403(b) Rollover
Replies: 5
Views: 972

Re: MAJOR Vanguard Screwups in 403(b) Rollover

File a complaint with the Consumer Financial Protection Board (https://www.consumerfinance.gov/) if you can find a category that fits on their web-site - filing a complaint fwithmy elderly father about their local bank charging them fees on a closed account was rapidly resolved. No company wants the...
by drzzzzz
Mon Nov 12, 2018 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 84
Views: 18563

Re: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity

At least at Vanguard and Fidelity and I am guessing treasury direct, you purchase t bills at a discount and they mature at the full value. So a $1000 bill might cost $945 and you get back $1000. The difference is the interest that you get paid so it's an odd number to purchase and a round number whe...
by drzzzzz
Thu Nov 08, 2018 11:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Transactions & Cost Basis Discrepancies.
Replies: 22
Views: 1907

Re: Vanguard Transactions & Cost Basis Discrepancies.

What is disconcerting to me is that the OP was smart enough to recognize there was a problem (and it was also easier to visualize since he/she was contributing the same amount each week which wasn't adding up), but most of us likely don't do the math to check cost basis and might often deposit varyi...