Search found 256 matches

by drzzzzz
Tue Nov 13, 2018 9:13 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Year-End distribution estimates
Replies: 34
Views: 1049

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: 13
Views: 1480

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: 4
Views: 623

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: 81
Views: 16009

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: 1831

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...
by drzzzzz
Sun Nov 04, 2018 11:04 pm
Forum: Investing - Help with Personal Investments
Topic: RMDs and taxes
Replies: 28
Views: 2724

Re: RMDs and taxes

We will be in a similar situation. Our plan is to begin taking distributions from our tax-deferred accounts at 59-1/2 (we will be retired), even though we don't need to. We'll reinvest the money into taxable accounts. This should allow us to delay moving to a higher tax bracket for a few years. Whe...
by drzzzzz
Sat Nov 03, 2018 2:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship Select
Replies: 12
Views: 3531

Re: Vanguard Flagship Select

Please let us know if you find any difference in service or helpfulness when you reach that level.
by drzzzzz
Sat Nov 03, 2018 12:35 pm
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? [Tax Loss Harvesting]

The market has been going up steadily for the past few years so tax losses are fewer unless you were investing in taxable earlier this year and have taken advantage of the recent drop or are harvesting losses in bond accounts - and who knows at this point whether the market will go up, go down, or b...
by drzzzzz
Fri Nov 02, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Bonds vs CDs
Replies: 39
Views: 4341

Re: Bonds vs CDs

I buy treasury bills at both Vanguard and Fidelity - if done online purchasing new bonds at auction, there is no expense to you at either firm and really easy to do on both their web-sites - I can outline the steps for you if you are unable to find it or do it on the Vanguard site
by drzzzzz
Mon Oct 29, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: 401k down 8% this month
Replies: 58
Views: 6780

Re: 401k down 8% this month

Everyone here has basically said stay the course, but I would add the caveat that maybe your risk tolerance is different and you should really reassess your comfort with risk - leading to a possible decrease in your stock allocation while increasing your bond/cash portion so that you are more insula...
by drzzzzz
Sat Oct 27, 2018 11:35 pm
Forum: Personal Consumer Issues
Topic: Towel Warmers - worthwhile luxury or useless?
Replies: 43
Views: 4858

Re: Towel Warmers - worthwhile luxury or useless?

Had a cheaper model that plugged into an outlet and found the towels were never warm enough - just remodeled a bathroom with heated floors under the tile and that we love - stepping out of the shower on a heated floor or sitting there reading on the throne is the best- of course there are days the c...
by drzzzzz
Sat Oct 27, 2018 10:23 pm
Forum: Investing - Help with Personal Investments
Topic: Help! For a larger size taxable account do I pay an advisor?
Replies: 51
Views: 4021

Re: Help! For a larger size taxable account do I pay an advisor?

Most of the individuals on this thread will disagree but look into Vanguard's Wellington fund (VWENX) if you think having an active fund manager is more to your liking rather than the typical indexed three funds - they have a stellar long term track record and i believe the individual whose name thi...
by drzzzzz
Sat Oct 27, 2018 7:15 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 763

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

[/quote] Thanks for the suggestion! A rough idea will be helpful about how much he charges per hours and avg. number of hours for first time client's planning? [/quote] I don't know his current rates or how complicated your issues are, but I would think you should expect the time to be from 4 to 12 ...
by drzzzzz
Sat Oct 27, 2018 7:01 pm
Forum: Investing - Theory, News & General
Topic: Vangaurd Personal Advisory Services - Do they provide AA and TLH advise based outside accounts?
Replies: 9
Views: 763

Re: Vangaurd Personal Advisory Services - Do they provide advise based outside accounts?

I have used Allan Roth (CPA and CFP) from http://daretobedull.com/ who is a fee only adviser to review my portfolios (at Vanguard and other outside institutions) in the past and was pleased with his suggestions. He will work within parameters you and he decide upon, will review everything, and put t...
by drzzzzz
Sun Oct 21, 2018 9:43 am
Forum: Personal Consumer Issues
Topic: Globus Journeys - tour group
Replies: 8
Views: 600

Globus Journeys - tour group

I have used Gate1travel for tours in the past and recently saw an interesting tour to Portugal by Globus Journeys - has anyone used this company for a tour and can you provide any feedback? thanks
by drzzzzz
Tue Oct 16, 2018 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Transferring $1.2 Mil taxable to Vanguard
Replies: 26
Views: 4377

Re: Transferring $1.2 Mil taxable to Vanguard

Transfer everything in kind to Vanguard and then discuss with Vanguard or their PSA group about what to sell and what to keep to minimize taxes
by drzzzzz
Tue Oct 16, 2018 2:36 pm
Forum: Investing - Help with Personal Investments
Topic: How to invest maturing CDs
Replies: 9
Views: 861

Re: How to invest maturing CDs

Treasury bill ladder - easy to buy and depending on what time period you are looking at, pay as much or more than CDs right now
by drzzzzz
Mon Oct 15, 2018 8:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4655

Re: Vanguard changing my Admiral shares to Investor Shares

Petty and foolish on the part of Vanguard - while they have the right to do it, it would be interesting to know whether they change ALL of their customer accounts to investor shares if the account balance drops below the admiral thresholds. It seems like they will be causing lots of waves and only ...
by drzzzzz
Mon Oct 15, 2018 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard changing my Admiral shares to Investor Shares
Replies: 26
Views: 4655

Re: Vanguard changing my Admiral shares to Investor Shares

Petty and foolish on the part of Vanguard - while they have the right to do it, it would be interesting to know whether they change ALL of their customer accounts to investor shares if the account balance drops below the admiral thresholds. It seems like they will be causing lots of waves and only d...
by drzzzzz
Sun Oct 14, 2018 7:21 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Balanced Index Fund Lovers?
Replies: 46
Views: 5540

Re: Vanguard Balanced Index Fund Lovers?

wrongfunds wrote:
Wed Oct 03, 2018 5:25 pm
Is there an equivalent Fidelity fund?
You might also look at FFNOX (Fidelity Four-in-One) at fidelity, while likely not as tax efficient, it includes fewer bonds, some international, and expense ratio only 0.08%
by drzzzzz
Sat Oct 13, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5622

Re: Which is better CD - rates and terms?

Hi Kevin, Trying to learn more about "Treasury" stuff here, but will you please help me w/ these questions below: 1) Why (or in which ways) does 6 month Treasury have much better liquidity than say 7 month NWFCU CD? 2) Where & how does one buy Treasury on auction? 3) What are the pros and cons betw...
by drzzzzz
Fri Oct 12, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Does Fidelity offer the best index products for a passive investor compared to Vanguard
Replies: 61
Views: 5792

Re: Does Fidelity offer the best index products for a passive investor compared to Vanguard

While this might not apply to most of the individuals who post here, I think the biggest benefit is for the individual who doesn't have enough saved up to meet the Vanguard minimum thresholds for their investor or admiral funds. Fidelity should get a huge benefit from this since someone who is start...
by drzzzzz
Fri Oct 12, 2018 1:55 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Flagship complimentary CFP services
Replies: 13
Views: 1480

Re: Vanguard Flagship complimentary CFP services

I called Vanguard about a routine issue, and then said I had a question I wanted to ask a cfp. Do you mind sharing the question if not too personal? My experience has been that they avoid discussing anything tax related or related to roth conversions in any specificity which would be what I would b...
by drzzzzz
Fri Oct 12, 2018 8:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Federal Money Market compared to Prime Money Market
Replies: 19
Views: 2186

Vanguard Federal Money Market compared to Prime Money Market

Vanguard is highlighting information on their web-site about the rate of their federal money market fund (VMFXX which is also their settlement account and has a current SEC yield of 2.04%) as being higher than many other outside money market accounts. I am interested in clarifying a few things, is V...
by drzzzzz
Tue Oct 09, 2018 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity or Vanguard [Portfolio help requested]
Replies: 23
Views: 2697

Re: Fidelity or Vanguard

While most of our funds are with Vanguard, I have recently been adding new assets only at Fidelity since I am much more impressed with Fidelity's customer service, the ease of reaching them, a local branch if needed, and the availability of experts who can answer questions more easily than Vanguard....
by drzzzzz
Wed Oct 03, 2018 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity Money Market Funds for everyday expenses
Replies: 36
Views: 6909

Re: Fidelity Money Market Funds for everyday expenses

What I like about fidelity is that they consider all of your money market funds and use them as needed for settlement in contrast to vanguard, which even if you have money in your prime moiney market account, you get a notice that your settlement account is negative and needs funds to cover a transa...
by drzzzzz
Wed Oct 03, 2018 7:56 am
Forum: Investing - Help with Personal Investments
Topic: Buying Treasury Bills: Treasury Direct or Vanguard / Fidelity
Replies: 81
Views: 16009

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

MathIsMyWayr wrote:
Wed Oct 03, 2018 7:43 am
I have an "Investment Accounts - Individual" account. Do I have to have margin trading enabled before buying a T-bill (10/11/2018 settlement) before the CD matures on 10/15/2018? Can I do it online or have to call Fidelity?
I would just call fidelity and ask them if you can do what you want
by drzzzzz
Sun Sep 23, 2018 8:10 pm
Forum: Personal Consumer Issues
Topic: Mom needs hip revision: how can I fight on her behalf?
Replies: 22
Views: 1947

Re: Mom needs hip revision: how can I fight on her behalf?

You don't mention where your mother is located and how far she is willing to travel, but I would suggest that most of the major academic centers are likely to have talented enough physicians who can give you an opinion of what they think is going on and a recommendation for what they might suggest. ...
by drzzzzz
Sun Sep 23, 2018 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing and Capital Gains
Replies: 1
Views: 283

Rebalancing and Capital Gains

hi My asset allocation is suppose to be 50% stock 50% bonds and is now out of balance by 8%. Assuming that I want to rebalance to 50/50, I am trying to decide the best way to do that since my traditional IRA is at 100% bonds and I have imbedded gains in my stock mutual funds in the taxable account. ...
by drzzzzz
Wed Sep 19, 2018 7:52 am
Forum: Personal Consumer Issues
Topic: Anyone hire an interior designer?
Replies: 39
Views: 3591

Re: Anyone hire an interior designer?

We just redid the kitchen and have an open large space with kitchen/living room/dining room and are looking for suggestions for online firms to get paint recommendations - any one have ideas?
by drzzzzz
Sun Sep 16, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Am I "buying high" if I transfer stable value funds over to stock index fund now?
Replies: 26
Views: 1935

Re: Am I "buying high" if I transfer stable value funds over to stock index fund now?

You have a lot of stressors right now and you should do what feels comfortable to you and don't worry about what this group thinks since they will only tell you to decide on an asset allocation that is appropriate for you and invest in it now, not later. You are correct that the market can go down a...
by drzzzzz
Sun Sep 16, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Advisor suggesting 7 Bond funds for my 40%
Replies: 44
Views: 5416

Re: Vanguard Advisor suggesting 7 Bond funds for my 40%

We used them about a year ago and they recommended 4 or 5 bond funds - what I am surprised by is the low percentage of international bonds since when we talked to them then, they wanted around 20-40% of your bonds in international and most of their lifestrategy funds, target date funds, and now worl...
by drzzzzz
Sun Sep 16, 2018 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard opens special offices for $1 million clients
Replies: 131
Views: 34350

Re: Vanguard opens special offices for $1 million clients

Maybe my issues have been different, but I would value an office - now, if I want something done quickly and in a timely fashion without much hassle I use Fidelity since I can go to their local office and get it done easily without the email or phone back and forth that seems to occur with Vanguard ...
by drzzzzz
Fri Sep 14, 2018 3:45 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38637

Re: Northwest FCU 3-year 3.04% Add-On CD

Kevin, The other question that I would have is that if you are initiating the pull at Vanguard from your NWFCU account and it is for greater $30,000 do you know if it will still go through - I seem to recall reading NWFCU limits ACH transfers to $30,000 per month and I am wondering if the pull start...
by drzzzzz
Fri Sep 14, 2018 3:36 pm
Forum: Investing - Help with Personal Investments
Topic: Planning to Contact Vanguard
Replies: 29
Views: 1882

Re: Planning to Contact Vanguard

There is kinda a difference between your initial posting questioning whether your numbers are correct and can you afford to retire versus what should the post-retirement plan be and what will Vanguard suggest - my guess is if you call them and tell them you are interested in transferring funds to th...
by drzzzzz
Thu Sep 13, 2018 8:25 am
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38637

Re: Northwest FCU 3-year 3.04% Add-On CD

Vanguard is not a bank, but I was on the phone with them about wiring funds in. They said it can be done, but all of the discussion was related to taxable accounts. In a taxable account, might as well just set up NWFCU as an external bank at Vanguard, then on the day the proceeds are deposited into ...
by drzzzzz
Mon Sep 10, 2018 10:42 pm
Forum: Investing - Theory, News & General
Topic: Northwest FCU 3-year 3.04% Add-On CD
Replies: 361
Views: 38637

Re: Northwest FCU 3-year 3.04% Add-On CD

There are a lot of machinations about how to get the funds out, electronic transfer limitations, and the ease of doing that, etc. Can you go to an affiliated credit union and ask to withdraw the funds and get a check that way?
by drzzzzz
Sat Sep 08, 2018 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?
Replies: 9
Views: 3081

Re: Millions to Invest at 30 - VTSAX, VTIAX, and VWIUX Lump Sum?

I think your allocation is fine for you - you have already accrued a substantial amount that you can use to live off of (more than most people at double your age) and taking an approach that limits downside risk is prudent if that is your concern. As Bill Bernstein has said - if you have won the gam...
by drzzzzz
Sat Sep 08, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4310

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

That's a great idea if you live in the ideal world. In the world I live in, I have to communicate with Vanguard. For instance, if I didn't change my mutual funds at Vanguard from admiral to etfs, Vanguard would have automatically converted then to regular shares before shipping them to fidelity. So...
by drzzzzz
Fri Sep 07, 2018 8:24 pm
Forum: Investing - Help with Personal Investments
Topic: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]
Replies: 57
Views: 4310

Re: [Retirement accounts locked by Vanguard, unable to convert Admiral funds to ETF]

You might have tried this already, but since the funds are all in IRAs, I would just ask Vanguard to sell everything in the account and transfer to Fidelity or have Fidelity initiate the IRA transfer after everything is sold.
by drzzzzz
Fri Aug 31, 2018 8:06 pm
Forum: Investing - Theory, News & General
Topic: more rotten service from Vanguard [ACH transfer, fund availability]
Replies: 30
Views: 4783

Re: more rotten service from Vanguard [ACH transfer, fund availability]

Have you tried asking to talk to a supervisor a Vanguard? Unfortunately, writing a letter to the CEO will take weeks to get a response. I am more curious about why a hold was placed and if Vanguard explicitly told you that you are not welcome or whether that is your interpretation of your encounters...
by drzzzzz
Thu Aug 30, 2018 7:25 am
Forum: Investing - Help with Personal Investments
Topic: Treasuries - how to buy (not using Treasury Direct)
Replies: 20
Views: 2205

Re: Treasuries - how to buy (not using Treasury Direct)

Try this link for the auction schedule, less clunky and easier to read and find things

https://www.treasury.gov/resource-cente ... ctions.pdf
by drzzzzz
Thu Aug 30, 2018 7:18 am
Forum: Investing - Theory, News & General
Topic: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?
Replies: 29
Views: 2494

Re: Why do people buy ETFs in taxable with Vanguard when the ETF tracks an equivalent index fund?

Someone mentioned that ETF avoid capital gains distributions - is that really accurate since I would assume the percentage distribution would be the same for both; wouldn't both have the same tax efficiency regarding distributions since the ETF is just a class of the underlying mutual fund?
by drzzzzz
Sun Aug 26, 2018 9:12 pm
Forum: Investing - Help with Personal Investments
Topic: Change from Admiral to Investor Class Shares at Vanguard
Replies: 13
Views: 1817

Re: Change from Admiral to Investor Class Shares at Vanguard

These threads are always amusing, but unfortunately serious since they involve client expectations of Vanguard and where they aren't meeting them. I can empathize with many of the issues, have had similar difficulties, and find it concerning that Vanguard doesn't pay more attention to it. I have bee...
by drzzzzz
Sat Aug 25, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Certified Advisors: New? Young? Okay? Please Help!
Replies: 52
Views: 3233

Re: Vanguard's Certified Advisors: New? Young? Okay? Please Help!

For me, the percentage of stock allocation at your age is too risky, especially since it appears that you have been in more stable and safe investments while not having gone through a huge market drop where your account drops 30 or 40 or 50% and you stop looking at the market since it seems so depre...
by drzzzzz
Sat Aug 25, 2018 4:04 pm
Forum: Personal Consumer Issues
Topic: Shingrix [Vaccine availability]
Replies: 47
Views: 4311

Re: Shingrix

Per the manufacturer and our local pharmacies, it is supposedly easier to find the second shot now or will be shortly
by drzzzzz
Sat Aug 25, 2018 4:03 pm
Forum: Investing - Theory, News & General
Topic: 2-Year Treasury Note Auction
Replies: 102
Views: 9508

Re: 2-Year Treasury Note Auction

For those of you who have bought treasury bills through vanguard, can you answer the following question. I have only a few hundred dollars in my settlement account, but sufficient funds in my prime money market acct to purchase an order for treasury bills that i submitted. do i need to transfer fund...
by drzzzzz
Fri Aug 24, 2018 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Go With Vanguard PAS After This Recommendation?
Replies: 28
Views: 2316

Re: Should I go with Vanguard PAS After This Recommendation?

Looks fine to me, assuming your investing time line is north of 10 years. Just realize the stock market will lose significant value several times during your investing career and DON'T panic sell when this happens. I suggest you can do the investing without the 0.3% drag from the Vanguard PAS servi...