Search found 36 matches

by jules
Wed Aug 05, 2020 1:48 pm
Forum: Personal Consumer Issues
Topic: Looking for a $500 new office chair
Replies: 33
Views: 2358

Re: Looking for a $500 new office chair

Steelcase Amia. $700 new, $200 nearly-new from Craigslist if you're patient. Super comfortable, well-built, tons of adjustments, not flashy or weird looking. https://www.steelcase.com/products/office-chairs/amia/ One of my former employers (a large multinational) bought Steelcase chairs for employee...
by jules
Wed Nov 06, 2019 4:34 pm
Forum: Personal Investments
Topic: FIFO - Which shares get sold when you have standing orders and submit a new order?
Replies: 9
Views: 394

Re: FIFO - Which shares get sold when you have standing orders and submit a new order?

I called Vanguard and explained the problem of not being able to select anything other than FIFO when selling shares. A very helpful representative answered, talked to the "Cost Basis team", and explained the situation as follows: When shares are transferred from another institution, Vanguard gives ...
by jules
Tue Nov 05, 2019 5:28 pm
Forum: Personal Investments
Topic: FIFO - Which shares get sold when you have standing orders and submit a new order?
Replies: 9
Views: 394

Re: FIFO - Which shares get sold when you have standing orders and submit a new order?

I also tried via the desktop Vanguard web site on a computer. Same thing - unable to change cost basis method from FIFO no matter which order type I pick. Can anyone else change their cost basis method when selling an individual stock? Is it perhaps because I have two open orders that I can’t change...
by jules
Tue Nov 05, 2019 5:19 pm
Forum: Personal Investments
Topic: FIFO - Which shares get sold when you have standing orders and submit a new order?
Replies: 9
Views: 394

Re: FIFO - Which shares get sold when you have standing orders and submit a new order?

Vanguard doesn’t allow me to select anything other than FIFO: Screen capture: https://imgur.com/gallery/SdcX8E8 Are you allowed to specify the Cost Basic Method with another Duration option? In the opening post you indicated that you wanted to sell the newest shares at a price less than the stock h...
by jules
Tue Nov 05, 2019 4:49 pm
Forum: Personal Investments
Topic: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?
Replies: 11
Views: 648

Re: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?

Longdog wrote: Tue Nov 05, 2019 4:46 pm You’re tying together unrelated transactions and trying to rationalize that emotional behavior as financially meaningful.
Thanks Longdog - this is a helpful bit of advice. :)
by jules
Tue Nov 05, 2019 4:48 pm
Forum: Personal Investments
Topic: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?
Replies: 11
Views: 648

Re: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?

There is a certain satisfaction that comes from using the profits on an individual stock ... Can you see the hidden assumption there? Well sure, it’s quite possible there won’t be profits and will instead be losses. So that is the risk. I would be in it for the long haul though with these two compa...
by jules
Tue Nov 05, 2019 4:45 pm
Forum: Personal Investments
Topic: FIFO - Which shares get sold when you have standing orders and submit a new order?
Replies: 9
Views: 394

Re: FIFO - Which shares get sold when you have standing orders and submit a new order?

Share lots aren’t assigned to a sale until the sale settles two business days later. Does that help? Thanks! So it sounds like until the sale settles, which they haven’t for the two 60 day good till cancelled orders, the oldest shares would be selected for the newest order. Right? Not what I wanted...
by jules
Tue Nov 05, 2019 3:29 pm
Forum: Personal Investments
Topic: Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?
Replies: 11
Views: 648

Thoughts on investing small amounts in individual stocks and using the proceeds to buy those company's products?

Let's say, on one particular really bad day in the stock market, you want to take 1% of your net worth and invest in a couple of individual stocks. The two companies produce popular products that you love and want to buy more of. You have no debt and are financially stable. There is a certain satisf...
by jules
Tue Nov 05, 2019 3:10 pm
Forum: Personal Investments
Topic: FIFO - Which shares get sold when you have standing orders and submit a new order?
Replies: 9
Views: 394

FIFO - Which shares get sold when you have standing orders and submit a new order?

Say you receive 3 shares on October 7th and place a sell order to sell at a certain price, say $155, good till cancelled, with a 60 day duration. You receive 3 more shares on October 18th and place a new sell order to sell at $145, good till cancelled, with a 60 day duration. It's now November 5th ...
by jules
Mon Mar 25, 2019 8:04 pm
Forum: Personal Consumer Issues
Topic: Europe conversion fee scam at hotel..what would you do?
Replies: 26
Views: 2281

Re: Europe conversion fee scam at hotel..what would you do?

This happened to my wife and me with Budget rent-a-car in Italy. The contract was written in Italian, and we relied on the agent to translate it. The agent neglected to translate the part that said we were “offered EUR but declined and decided to pay in USD”, which we certainly were not. Well, I got...
by jules
Mon Mar 25, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: Good Camping Tent?
Replies: 28
Views: 2075

Re: Good Camping Tent?

We like Alps Mountaineering. The waterproofing seems to be as good as much more expensive tents. Overall good value for the longevity. Wife and I have used our 7 year old tent all over the US, at base of grand canyon, base of half dome, beaches of northern California to name a few. Wife and I prefe...
by jules
Thu Mar 14, 2019 1:44 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Thanks everyone! I summarized the recommendations people in this thread gave, as follows: Ticker Fund Name (Number of people recommending) Compound Yield or 30 day SEC yield VMMXX Vanguard Prime Money Market Fund (3) 2.48% VUSXX Vanguard Treasury Money Market Fund (1) 2.38% VFIRX Vanguard Short Term...
by jules
Thu Mar 07, 2019 2:40 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 37466

Re: [Financial] Habits of the Rich

If a good friend or family member is truly in need, as others have said in this thread, consider giving them what they need (or what you can afford) as a free gift.

Never expect anything in return. If you can do it anonymously, even better.
by jules
Thu Mar 07, 2019 2:12 am
Forum: Personal Finance (Not Investing)
Topic: [Financial] Habits of the Rich
Replies: 238
Views: 37466

Re: [Financial] Habits of the Rich

Lots of good advice, but I would add that choosing your partner carefully is extremely important in maintaining financial health. My husband and I have never had an argument about finances. Our financial priorities and values are the same and we trust each other to stay true to our commitments and ...
by jules
Thu Mar 07, 2019 12:44 am
Forum: Personal Investments
Topic: Vanguard platform is a mess ... UX-wise [User eXperience]
Replies: 65
Views: 6556

Re: Vanguard platform is a mess ... UX-wise [User eXperience]

My bank shows scheduled pending transactions in a particular color, and separates them from posted transactions.

It does not include pending transactions in reports.
It does show a “Projected Balance” underneath the pending transaction amount.

Not sure why Vanguard couldn’t do similar.
by jules
Sun Mar 03, 2019 2:24 am
Forum: Personal Investments
Topic: Personal Capital vs Fidelity Analysis
Replies: 19
Views: 2483

Re: Personal Capital vs Fidelity Analysis

Where can one get more details on Fidelity Analysis? I’ve heard of full view, is Analysis what they’re calling it now?

Does Fidelity Analysis break down all your holdings across all companies by expense ratio?
by jules
Sun Mar 03, 2019 2:10 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Keep in mind that after you sell and put money into VMMXX, that fund will throw off regular taxable interest. If you want non-taxable interest, there are other money markets to look at that use muni's to avoid taxes. Good point, I hadn’t thought of that. But Vanguard says: Am I in one of the higher...
by jules
Sun Mar 03, 2019 1:31 am
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

I would consider keeping the oldest ones--say, the 2003 thru 2007. That's because the fixed rate which is used to calculate your interest rate is quite a bit higher than for the newer ones: https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#fixed The Treasury...
by jules
Sat Mar 02, 2019 11:23 pm
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

OK, thanks. Let’s say I go with VMMXX. Can anyone point out any potential flaws or things I haven’t considered in the below plan for selling the bonds? Quoting from original post: In 2019, liquidate the portion of I Bonds over 5 years old -- only to the extent that we would not be bumped into the ne...
by jules
Sat Mar 02, 2019 10:49 pm
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Re: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Thanks for the reply. I should clarify: my true first line emergency fund is one credit card followed by what’s in checking and perhaps what I have in my Vanguard Prime settlement account. So with the current I Bonds, we’re really talking 4th tier emergency fund, in the event of long term job loss o...
by jules
Sat Mar 02, 2019 8:35 pm
Forum: Personal Investments
Topic: Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?
Replies: 21
Views: 2768

Moving Emergency Fund from I Bonds at Treasury Direct to something at Vanguard?

Thinking of liquidating our emergency fund I Bonds this year while we're in the 12% tax bracket. Because Treasury Direct is too complex for my wife to deal with if I get hit by a bus. And I want to simplify/consolidate. Potential plan: 1. In 2019, liquidate the portion of I Bonds over 5 years old --...
by jules
Tue Feb 26, 2019 10:59 pm
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5868

Re: anybody sell I Bonds to buy something else?

Thinking of liquidating our emergency fund I Bonds this year while we're in the 12% tax bracket. Reasons: Treasury Direct is too complex for my wife to deal with if I get hit by a bus. And I want to simplify/consolidate. Interest rates on our I Bonds range from 2.32% - 3.53%. They were issued betwee...
by jules
Wed Feb 08, 2017 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Charitable - What does the fund transfer process actually look like?
Replies: 4
Views: 1251

Re: Vanguard Charitable - What does the fund transfer process actually look like?

Thanks House Blend. ... if you have ever sold non-covered shares of Fund X using average cost basis, then you must continue to do so for all non-covered shares of X. I have never sold any of the shares of the Vanguard funds I am considering donating. And if you are donating shares of Fund X while us...
by jules
Tue Feb 07, 2017 12:35 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Charitable - What does the fund transfer process actually look like?
Replies: 4
Views: 1251

Re: Vanguard Charitable - What does the fund transfer process actually look like?

PhysicianOnFIRE, thank you so much! Your screenshots, article, and answers were concise and informative. One question: Maybe I missed it in your article, but why did you open two different Donor Advised Funds, one for Vanguard Charitable and one for Fidelity Charitable? I'm wondering if it might be ...
by jules
Fri Jan 27, 2017 10:47 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Charitable - What does the fund transfer process actually look like?
Replies: 4
Views: 1251

Vanguard Charitable - What does the fund transfer process actually look like?

1. If I opened a Vanguard Charitable account, is the process of sending shares from my Vanguard taxable mutual fund account to Vanguard Charitable fully electronic or do I have to send in forms and wait? Ideally it would be all electronic, and as easy as Vanguard's "Where are the funds coming from? ...
by jules
Mon Jul 02, 2012 5:14 pm
Forum: Personal Investments
Topic: Moved to a state without state income tax, get rid of VNJXX?
Replies: 7
Views: 1112

Re: Moved to a state without state income tax, get rid of VN

Thanks all. I was tempted by Taylor's suggestion to leave it where it is, but since I already have a TreasuryDirect account, might as well add to my I Bonds total as FinanceFun suggested. Getting a signature guarantee to change banks at TreasuryDirect wasn't fun, as I had to go to 8 different banks ...
by jules
Wed Jun 27, 2012 1:09 am
Forum: Personal Investments
Topic: Moved to a state without state income tax, get rid of VNJXX?
Replies: 7
Views: 1112

Moved to a state without state income tax, get rid of VNJXX?

Recently moved from NJ to WA. But I still hold a good chunk of my emergency fund in VNJXX (Vanguard New Jersey Tax-Exempt Money Market Fund). Guess I should be getting rid of VNJXX since I no longer live there. Is http://thefinancebuff.com/which-vanguard-money-market-fund.html still relevant? Any op...
by jules
Wed Jun 27, 2012 12:58 am
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Re: American Funds help

Thanks to you too, Grabiner. Started the rollover process today. The only challenging part may be finding a local bank that can give me a medallion signature guarantee without being an account holder.
by jules
Sat Jun 23, 2012 12:04 am
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Re: American Funds help

Thanks Centrifuge, that helps a lot. Let's just say the balance is quite a bit more than 10k. So it sounds like I'd save hundreds of dollars by moving to Vanguard now and paying the $65.
by jules
Fri Jun 22, 2012 11:13 pm
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Re: American Funds help

Original poster here. 4 years and 4 months later, I finally have that new job as of March 2012. :) Last contribution to the above mentioned C shares was March of 2012. Called American Funds and have 2 options: 1. I can rollover to Vanguard now and it would cost me around $65 in deferred load charges...
by jules
Thu May 14, 2009 10:23 pm
Forum: Personal Consumer Issues
Topic: New Navy Working Uniforms
Replies: 12
Views: 3910

Re: uniforms

Too, khaki doesn't mean anything anymore. Your recruit starts out wearing khaki from day one. It used to be that khaki represented leadership. Sailors looked forward with great anticipation toward putting on Chief and wearing khaki. Now the Navy has taken that symbol of pride and rolled it out to e...
by jules
Fri Nov 16, 2007 10:16 pm
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Thanks Laura. There is one money market fund I can exchange shares into. The Cash Management Trust of America - CTAXX. So just move all holdings into that right before doing the rollover and avoid the 1% load, right? (That is, if the loads even apply on this retirement plan - will check with AF on t...
by jules
Fri Nov 16, 2007 5:10 pm
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Re: IRA

The C share cost compared to even A shares is going to be directly responsible for about a 100k less in total assets over 25 years. And if the plan is really low cost, the difference will be about 150k. I know it's expensive. But as mentioned, I'm rolling it into Vanguard in the coming year. It's o...
by jules
Fri Nov 16, 2007 10:16 am
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

Thanks for the informative reply Ted. Based on the ticker you posted, you have C shares. If you're going to hold it less than one year then you will pay a 1% deferred sales charge when you transfer the funds. Double check that. I double checked it, and American Funds says the same thing you say: "Cl...
by jules
Fri Nov 16, 2007 9:19 am
Forum: Personal Investments
Topic: American Funds help
Replies: 18
Views: 3641

American Funds help

32, single. Have an American Funds SIMPLE IRA. Contributing max to it, as follows: 70% Growth Fund of America GFACX 1.44% 30% Bond Fund of America BFACX 1.43% I will roll it over into a Vanguard IRA after I get a new job (hopefully less than 1 year away) Until that time, I'd like to simplify by depo...