Search found 2487 matches

by xenial
Sat Nov 17, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Old prospectuses
Replies: 3
Views: 273

Re: Old prospectuses

Anyone know where I could find a copy of a, say, 10-year-old prospectus for Wellington, for example? Is there an archive somewhere? Besides the company's website, and googling for the fund and the prospectus (sometimes documents are not indexed on the site) then SEC filings are at EDGAR. Not terrib...
by xenial
Thu Nov 15, 2018 9:21 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 732

Re: Vanguard Global Credit Bond Fund

. . . Also note that global funds (outside the US) are subject to currency risk - the fund is not as "fixed" as you'd think. While I agree Offshore doesn't need this fund at all, currency risk is not likely to be an issue. The August 9th press release states Most of the non-U.S. portion of the port...
by xenial
Fri Nov 09, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The No Penalty CD seems to be up to 2.20% now. Time to break those CDs and reinvest? I would like to know this as well. If I close my no penalty CD then reopen it, am I still eligible for the bonus? I've been keeping the money in the 1.90% online savings account because of this sentence in the Elig...
by xenial
Wed Nov 07, 2018 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Index Funds Expense Ratios
Replies: 6
Views: 809

Re: Index Funds Expense Ratios

I hold a Vanguard fund that holds Vanguard index funds. VTINX. The expense ratio is 0.13%. The five funds that make up VTINX have expense ratios of 0.15%, 0.14%, 0.15%, 0.13% and 0.17%. If I were to get out of the VTINX fund and invest in the five funds that make up the VTINX fund would I eliminate...
by xenial
Wed Nov 07, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Lenovo Computer
Replies: 3
Views: 710

Re: Lenovo Computer

J295 wrote:
Wed Nov 07, 2018 7:43 pm
Should we purchase our new one online direct, or from Best Buy?
Lenovo Outlet often has good deals.
by xenial
Wed Nov 07, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Did existing Ally customers automatically get included, or did they also have to actively enroll in the promotion? I've had an Ally savings account for years, but didn't hear about this until just recently. Online enrollment in the promotion was required. I first learned about it from this very con...
by xenial
Tue Nov 06, 2018 1:10 pm
Forum: Investing - Help with Personal Investments
Topic: CDs on vanguard.com
Replies: 10
Views: 1633

Re: CDs on vanguard.com

blueyonder wrote:
Tue Nov 06, 2018 12:44 pm
. . . I will need to find some time to get familiar with the TD website, probably over the holidays...
You can also buy U.S. Treasury bills, notes, and bonds at auction from vanguard.com with no added costs.
by xenial
Mon Oct 29, 2018 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Fixed income other than bonds, CD's, money market?
Replies: 7
Views: 966

Re: Fixed income other than bonds, CD's, money market?

Two examples:
LendingClub (Peer-to-peer loans)
PeerStreet (Real estate debt)

I don't have personal experience with alternative fixed income investments. They aren't regulated nearly as well as the more mundane stuff --- too risky for me.
by xenial
Mon Oct 29, 2018 2:17 pm
Forum: Investing - Help with Personal Investments
Topic: Help transferring brokerage acct to Vanguard
Replies: 5
Views: 383

Re: Help transferring brokerage acct to Vanguard

If you transfer in-kind, you may have to pay commissions when selling non-Vanguard mutual funds in your Vanguard Brokerage account. You'll need to compare the costs on a fund-by-fund basis with the option of selling from your current brokerage account and transferring cash. Vanguard Brokerage Mutual...
by xenial
Mon Oct 29, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Here's an idea: I think I'm going to move money from Vanguard to Ally via wire transfer instead of ACH. It's free for Flagship clients, and money arrives the same day if you initiate the transfer by 12:30 ET. If the Ally account is already on file with Vanguard, the wire can apparently be done by ph...
by xenial
Sun Oct 28, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Is there an official notification email expected right after the transfer deadline of 11/5, or maybe a message you have to log in to your account to see, where they state the final official amount that qualifies for the 1% bonus, presuming you keep it in place until February? It would just be nice ...
by xenial
Sat Oct 27, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Personal Advisor
Replies: 8
Views: 1741

Re: Vanguard's Personal Advisor

What do you mean by "getting plans" that people have posted.....suggested portfolios? Yes, suggested portfolios. Here's an example post: Vanguard Personal Advisor Services/Portfolio Review . . . All advisor recommendations were Vanguard Funds, Admiral Shares. Portfolio allocation recommendation is ...
by xenial
Fri Oct 26, 2018 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6132

Re: How to exit out of the Stock Market?

Welcome to Bogleheads, Sophia! Your post suggests you're reacting emotionally to the market selloff. That's a very human thing to do; unfortunately, humans tend to be lousy investors. :) The easiest way to avoid losing sleep over daily market gyrations is to refrain from reading or watching the fina...
by xenial
Thu Oct 25, 2018 2:52 pm
Forum: Local Chapters and Bogleheads Community
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 1940

Re: Who/what made the helpful culture of Bogleheads?

I think the range of allowable topics is critical to the health of the Bogleheads community, and I credit Alex Frakt for making smart choices. If Bogleheads could only discuss investing here, many of the great posters would likely get bored and drift way. The inclusion of personal finance and consum...
by xenial
Tue Oct 23, 2018 9:01 pm
Forum: Investing - Help with Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2582

Re: An odd retirement scheme?

The employer's recommendations look pretty good. My comments below are in blue. My neighbor stopped by telling me about changes to her employer's retirement plan and asked for my advice. Ha! I know donuts, but investment advice is beyond me. That's why I come here. She did have an interesting scenar...
by xenial
Mon Oct 22, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by xenial
Mon Oct 22, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by xenial
Mon Oct 22, 2018 11:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard's Personal Advisor
Replies: 8
Views: 1741

Re: Vanguard's Personal Advisor

No advisor for me. You might want to search for posts on this forum about Vanguard Personal Advisor Services (PAS). A lot of people have posted their plans. They seem very good overall, though somewhat more complex than necessary. If you're comfortable with this forum, you'll get plans here which ar...
by xenial
Sun Oct 21, 2018 8:12 pm
Forum: Investing - Help with Personal Investments
Topic: American Century Small Cap ASVIX
Replies: 16
Views: 795

Re: American Century Small Cap ASVIX

We tend to prefer index funds around here; you might want to read about the Bogleheads® investment philosophy . If your asset allocation plan calls for a dedicated domestic small value fund, then consider something like Vanguard Small-Cap Value Index. Any of its share classes will save you over 1% a...
by xenial
Sun Oct 21, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I followed the allypaybacktime link, opened a savings account and it took all of 5 minutes. Transferred from a Fido account by wire, all done same day. Inquired via e-mail about depositing additional proceeds from a cd that matures Oct. 31 to see if there would be a grace period. CSR e-mailed back ...
by xenial
Thu Oct 18, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Read this whole thread and some links but I’m still not sure if this will work. Can anyone verify if the scenario qualifies? 1. Transfer $$$ from ally to vanguard today (but do not deplete ally account completely). 2. Enroll in 1% back at ally. 3. Transfer $$$ back from vanguard to ally before end-...
by xenial
Thu Oct 18, 2018 12:26 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

listedguru wrote:
Wed Oct 17, 2018 10:00 pm
So I assume the beneficiary designation(s) can all be done online at Ally when I open the accounts online correct?
Yes, it's really easy.
by xenial
Wed Oct 17, 2018 7:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

NewbieBogle007 wrote:
Wed Oct 17, 2018 7:31 pm
So am I understanding this correctly?

If I withdrew 30k on 10/11/18, then I would have to bring back $130k to maximize this bonus?
That's also my understanding of the rules.
by xenial
Wed Oct 17, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Hate to be me Lol. This just irks me and is why I should keep my money in multiple online banks. I currently have 95% of available cash in Ally so no bonus for me. It's annoying to be punished for being a loyal customer, isn't it? Ally is my only bank. I think I'll go after the bonus by selling som...
by xenial
Wed Oct 17, 2018 5:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Ken Tumin's blog contains an update to his original post about Ally's offer. It answers many of the questions posed here.
by xenial
Tue Oct 16, 2018 11:37 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 473
Views: 44606

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The Eligibility paragraph in the terms and conditions states Account(s) must be open, funded, and in good standing from the time the new funds are deposited into the account(s) until the time of Cash Bonus payout. Does this sentence mean that if you use a No Penalty CD you might need to keep the mon...
by xenial
Wed Oct 10, 2018 8:21 pm
Forum: Investing - Theory, News & General
Topic: "Do not invest with Vanguard if you are a market-timer." - Vanguard
Replies: 12
Views: 2631

Re: "Do not invest with Vanguard if you are a market-timer." - Vanguard

"Do not invest with Vanguard if you are a market-timer." - Vanguard This is the best quote from Vanguard in years. Found it looking through a current prospectus. Don't know how long they've been including this. The line has been drawn. That line was drawn long ago. From the Vanguard Wellington pros...
by xenial
Mon Oct 08, 2018 11:19 pm
Forum: Investing - Help with Personal Investments
Topic: Taxes on Treasuries
Replies: 1
Views: 460

Re: Taxes on Treasuries

You haven't created a tax nightmare. You'll need to familiarize yourself with parts of IRS Pub 550, Investment Income and Expenses. It's actually very easy to understand.

Note that a nice benefit of investing in Treasuries is that the interest is tax exempt at the state and local levels.
by xenial
Sun Sep 23, 2018 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Reducing longterm capital gains taxes
Replies: 15
Views: 1615

Re: Reducing longterm capital gains taxes

I'm no expert, but if you're willing to contribute at least a 10% interest in your shares to a charity, then a Flip Charitable Remainder Unitrust (CRUT) might be useful to you. Let me apologize in advance for this link : It is written for advisors from a specific charity's point of view. The idea is...
by xenial
Sat Sep 08, 2018 8:25 pm
Forum: Investing - Help with Personal Investments
Topic: Non V Alternative funds through VBS?
Replies: 3
Views: 364

Re: Non V Alternative funds through VBS?

Can anyone give me some guidance in finding alternative funds through Vanguard for purposes of factor diversification added to standard TSM 60/TBM 40? . . . Before adding expensive alternative funds which depend on manager skill/luck, you might want to consider diversifying through asset classes su...
by xenial
Wed Jul 25, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Online savings accounts for BUSINESS? (not personal)
Replies: 5
Views: 461

Re: Online savings accounts for BUSINESS? (not personal)

DepositAccounts.com has a useful list of business savings accounts ordered by yield.
by xenial
Wed Apr 11, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing tax-advantaged space?
Replies: 16
Views: 1558

Re: Increasing tax-advantaged space?

. . . I've been wanting to increase my exposure to REITS. I want to increase yield, and to have a counterbalance to stocks/bonds. But my understanding is that unless REITs are in a tax-advantaged account, you lose most of the benefits. So, I've been considering IOVAs -- investment only annuities --...
by xenial
Mon Apr 09, 2018 10:28 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing tax-advantaged space?
Replies: 16
Views: 1558

Re: Increasing tax-advantaged space?

1. I Bonds (mentioned by another poster): In addition to the $10,000 per person per year of electronic bonds, $5000 worth of paper bonds may be purchased with a federal income tax refund. 2. EE Bonds: $10,000 per person per year in electronic form. Reasonable only if you're virtually certain to hold...
by xenial
Mon Apr 02, 2018 11:09 am
Forum: Investing - Theory, News & General
Topic: BP PLC Dividend Vanguard Brokerage Account
Replies: 12
Views: 884

Re: BP PLC Dividend Vanguard Brokerage Account

I don't have experience with individual stocks, but I do hold bonds and CDs in a Vanguard brokerage account, and interest payments are often a little late. Just give it an extra day or two, and I bet you get your dividend. Sometimes when a CD matures, I receive the principal and the final coupon on ...
by xenial
Sat Mar 31, 2018 3:47 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond index funds to use
Replies: 5
Views: 1345

Re: Which bond index funds to use

I cannot decide between intermediate bond index, intermediate corporate bond index, total bond index, emerging bond index. The first three funds you mention are all reasonable core fixed income holdings. Emerging markets bonds, which are much riskier, are only appropriate for a smaller role in your...
by xenial
Wed Mar 28, 2018 4:04 pm
Forum: Investing - Theory, News & General
Topic: Mutual funds that invest in physical gold?
Replies: 27
Views: 2176

Re: Mutual funds that invest in physical gold?

Are there any funds that actually take possession of their physical gold investments or do they just buy the rights to a chunk of a pile of gold supposedly sitting in a vault in New York? I don't pretend to understand the finer points of precious metal custodial arrangements, but Sprott claims supe...
by xenial
Wed Mar 28, 2018 3:20 pm
Forum: Investing - Theory, News & General
Topic: Mutual funds that invest in physical gold?
Replies: 27
Views: 2176

Re: Mutual funds that invest in physical gold?

There is a closed end fund named Central Fund of Canada that contains a mixture of Gold and Silver bullion. VinhoVerde Central Fund of Canada is now the Sprott Physical Gold and Silver Trust . Sprott Physical Gold and Silver Trust began trading on January 16, 2018, on the NYSE Arca (Symbol: CEF) an...
by xenial
Sat Mar 24, 2018 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Should I exchange VCITX (Vanguard California Long-Term Tax-Exempt Fund ) into VTSAX?
Replies: 8
Views: 1343

Re: Should I exchange VCITX (Vanguard California Long-Term Tax-Exempt Fund ) into VTSAX?

socal777 wrote:
Sat Mar 24, 2018 7:35 pm
. . .
Hi xenial, thanks for your comment. I was confusing myself! What I meant to ask is should I just exchange my tax exempt VCITX into my taxable VTSAX fund?
I agree with rkhusky's comments in the post directly above.
by xenial
Sat Mar 24, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Should I exchange VCITX (Vanguard California Long-Term Tax-Exempt Fund ) into VTSAX?
Replies: 8
Views: 1343

Re: Should I exchange VCITX (Vanguard California Long-Term Tax-Exempt Fund ) into VTSAX?

I can't remember who gave me the advice up I put $10,000 into VCITX (Vanguard California Long-Term Tax-Exempt Fund Investor Shares) about 4 years ago. It's only returned 2,72%. I'm thinking I should move it over into VTSAX in my SEP account. Advice appreciated. I'm finally grasping the value of Ind...
by xenial
Thu Mar 01, 2018 9:24 pm
Forum: Personal Consumer Issues
Topic: Do capital losses count against ACA MAGI?
Replies: 14
Views: 1603

Re: Do capital losses count against ACA MAGI?

Can crypto currency losses be deducted? Obviously, one will have no 1099 form to document it. What? I've been told that crypto currencies only gain, gain, gain! But seriously, I don't think they can be deducted. I think they are treated as collectibles, and I'm pretty sure losses from them can't be...
by xenial
Tue Feb 27, 2018 2:34 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1487

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

My experience with direct CDs is that the bank wants to renew them automatically upon maturity. If I get a "special rate" for some odd period, like 37 months, it will renew at an unfavorable rate for another 37 months unless I take action to keep that from happening. With a brokered CD, the money j...
by xenial
Mon Feb 26, 2018 3:49 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1487

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

. . . Edit: I looked at the comparable US Treasuries: the 2.625%, 2/28/23 trades at around 2.61%, and the 2.125%, 2/29/24 trades at about 2.72%, a yield pick-up of only 0.11%. That would seem to make the 0.75% yield pick-up between the two CD maturities pretty attractive. Note: I realize that the y...
by xenial
Mon Feb 26, 2018 3:26 pm
Forum: Investing - Theory, News & General
Topic: 5-year CD vs. 6-year CD; double EWP with longer maturity
Replies: 21
Views: 1487

Re: 5-year CD vs. 6-year CD; double EWP with longer maturity

It looks like about a 2.5 year holding period is the breakeven point in comparing the two CDs. If you hold for less than 2.5 years, the 5 year CD is better; otherwise the 6 year CD is better. So the question is --- how likely is it that you'll hold for at least 2.5 years? It's a tricky question, bec...
by xenial
Sat Feb 24, 2018 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: If I wanted to invest in a stock on the WSE, would I be able to if I am an American?
Replies: 4
Views: 523

Re: If I wanted to invest in a stock on the WSE, would I be able to if I am an American?

WSE = Warsaw Stock Exchange My guess is no, but you'll need to call Vanguard: Brokerage FAQs—Trading Can I trade directly on foreign exchanges? Direct trading is available on some foreign exchanges—call us to find out if a specific country or exchange is eligible. All foreign security orders must be...
by xenial
Tue Feb 20, 2018 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 3385

Re: Current Vanguard password practices?

You should also set up your account to email you or text you when there is any money movement. This is an added layer of protection, and since most orders don't execute immediately, you'd have time to call and stop any illicit activity. Not foolproof, but what is? I searched and could not find how ...
by xenial
Tue Feb 20, 2018 1:24 pm
Forum: Investing - Help with Personal Investments
Topic: Current Vanguard password practices?
Replies: 39
Views: 3385

Re: Current Vanguard password practices?

They have quasi two-factor authentication. You can turn on the option to have a security code sent via SMS if you access from an unrecognized device. It provides some additional security, but it's not foolproof. Another Vanguard option is voice call, which should be more secure. Also, you can requi...
by xenial
Mon Feb 12, 2018 10:30 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1464

Re: Schedule B Interest Question

FiveK and kaneohe, thanks! Either way is fine. IRS is only concerned w/ the total. Might to useful tho to list as separate items to remind you that they are treated differently for state. If the IRS is only concerned with the total, what happens when you include a negative entry for accrued interest...
by xenial
Mon Feb 12, 2018 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1464

Re: Schedule B Interest Question

Maybe I'm being dense, but I don't think anyone's addressed my question.

Let's say Box 1 contains a value of $200, and Box 3 contains a value of $100.
Do I make a single $300 entry on Schedule B for the payer, or do I make one $100 entry and one $200 entry, or does it not matter?
by xenial
Mon Feb 12, 2018 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1464

Re: Schedule B Interest Question

I think you just put the exact amounts from Lines 1 & 3 in the separate boxes on the worksheet (if you are using software). Do not add them, as the single amount should be the amount you actually earned/received/is taxable. Make sense? Don't double your burden! If the amounts are different, it will...