Search found 2455 matches

by xenial
Wed Apr 11, 2018 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: Increasing tax-advantaged space?
Replies: 16
Views: 1275

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: 1275

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: 602

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: 743

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: 1582

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: 1582

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: 627

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: 627

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: 12
Views: 780

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: 1270

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: 1270

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: 1270

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: 340

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: 2788

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: 2788

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: 1148

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: 1148

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: 1148

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...
by xenial
Mon Feb 12, 2018 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1148

Re: Schedule B Interest Question

clydewolf wrote:
Mon Feb 12, 2018 7:16 pm
Box 3 is exempted from State Income tax.

For your federal return it will not matter.
I understand. So the two amounts are to be combined on the same line, as opposed to being reported on separate lines?
by xenial
Mon Feb 12, 2018 7:09 pm
Forum: Personal Finance (Not Investing)
Topic: Schedule B Interest Question
Replies: 14
Views: 1148

Schedule B Interest Question

If boxes 1 & 3 both contain positive values on the 1099-INT from a particular payer, is it acceptable to report the sum of these amounts on a single line of Schedule B Part I?
by xenial
Fri Feb 09, 2018 1:33 pm
Forum: Investing - Theory, News & General
Topic: Ally online savings now at 1.45%
Replies: 100
Views: 14651

Re: Ally online savings now at 1.45%

3 Month TBills are over 1.5% and state/local tax free. That's a great substitute for money funds and high yield savings. Can you recommend an easy and secure way to purchase one for the computer semi-illiterate? :) Here you go: https://www.treasurydirect.gov/indiv/research/indepth/tbills/res_tbill_...
by xenial
Mon Jan 29, 2018 10:50 pm
Forum: Personal Consumer Issues
Topic: Is middle initial important? [How to title a legal document]
Replies: 11
Views: 1508

Re: Is middle initial important?

As long as the social security number on the account is correct, I don't believe omission of your middle initial is important.
by xenial
Mon Jan 29, 2018 10:16 pm
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms w/ Individual Bonds
Replies: 2
Views: 267

Re: Free File Fillable Forms w/ Individual Bonds

Thanks, FactualFran! That's exactly the confirmation I was hoping for.
by xenial
Mon Jan 29, 2018 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Free File Fillable Forms w/ Individual Bonds
Replies: 2
Views: 267

Free File Fillable Forms w/ Individual Bonds

I like to prepare my taxes using Free File Fillable Forms. Last year I invested in individual treasuries and CDs in my taxable account for essentially the first time. Most but not all were purchased in the secondary market at a discount or premium. I don't fully understand all the tax prep ramificat...
by xenial
Thu Jan 25, 2018 11:29 pm
Forum: Forum Issues and Administration
Topic: Help with avatar
Replies: 10
Views: 662

Re: Help with avatar

Crop out some of the whitespace on the left and right to make the image a 253x253 square. Then resize it to 100x100, and it will be accepted. (I tested this.)
by xenial
Thu Jan 25, 2018 11:16 pm
Forum: Investing - Help with Personal Investments
Topic: T-Bills noob question
Replies: 1
Views: 350

Re: T-Bills noob question

The money will be deposited automatically into your settlement fund.
by xenial
Sat Jan 20, 2018 7:39 pm
Forum: Personal Finance (Not Investing)
Topic: Question on new credit karma feature related to breaches
Replies: 11
Views: 1495

Re: Question on new credit karma feature related to breaches

I also have to point out the irony that in the blog post about CK's new features, they recommend using 2-factor wherever possible as a general safety tip, yet they themselves do not offer two factor log in option. I just noticed that Credit Karma now supports 2FA. It may have been instituted a coup...
by xenial
Thu Jan 04, 2018 8:24 pm
Forum: Investing - Theory, News & General
Topic: Vanguard CEO's Biggest Challenge Is Success
Replies: 7
Views: 836

Re: Vanguard CEO's Biggest Challenge Is Success

A recent study found that corporate America may have cut R&D spending as much as $122 billion a year because of the rise of index funds Can anyone explain this? I'm not disagreeing that corp. America has cut R&D. But I'm wondering how/why they would be drawing the link to the rise of index funds? T...
by xenial
Sat Jun 03, 2017 8:23 pm
Forum: Investing - Help with Personal Investments
Topic: Making sure Mom has strategy for retirement
Replies: 14
Views: 1983

Re: Making sure Mom has strategy for retirement

In fixing this portfolio you need to watch out for taxes and brokerage commissions. Fortunately most of the assets are in traditional or Roth IRAs, where transactions incur no taxes. You'll want to simplify those accounts immediately. If the assets are moved to Vanguard, your friend will qualify for...
by xenial
Tue May 09, 2017 9:11 pm
Forum: Personal Consumer Issues
Topic: What to do with older laptop?
Replies: 32
Views: 4207

Re: What to do with older laptop?

Lubuntu is a user-friendly Linux distribution intended for older hardware. I suspect it would run well on your machine.
by xenial
Mon Apr 03, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Problem with Vanguard's CD-Bond Search Page [TIPS]
Replies: 6
Views: 809

Re: Problem with Vanguard's CD-Bond Search Page [TIPS]

It's now been over a month since Angst reported this simple error, and it still isn't fixed. I love Vanguard, but their management should be very embarrassed.
by xenial
Thu Mar 02, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Problem with Vanguard's CD-Bond Search Page [TIPS]
Replies: 6
Views: 809

Re: Problem with Vanguard's CD-Bond Search Page

It looks like Vanguard misclassified the issue as a nominal treasury bond.
by xenial
Sat Feb 25, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Ally 1.25 APY 13 month CD
Replies: 3
Views: 1248

Re: Ally 1.25 APY 13 month CD

Shazb0t wrote:Where is this offer? I don't see it on the Ally site.
From the Ally website: Special Promotional Offer

Ken Tumin's commentary on depositaccounts.com: Ally Bank Offers Limited-Time 13-Month Select CD
by xenial
Sat Feb 25, 2017 11:49 am
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1957

Re: Cloudbleed Bug

I love being able to perform financial transactions over the internet, but I'm beginning to fear the hackers will win, and 10 years from now we'll be using snail mail again. :( The more likely outcome is somebody connects the USPS sorting machines to the Internet and even snail mail isn't safe from...
by xenial
Sat Feb 25, 2017 11:10 am
Forum: Personal Consumer Issues
Topic: Cloudbleed Bug
Replies: 14
Views: 1957

Re: Cloudbleed Bug

I love being able to perform financial transactions over the internet, but I'm beginning to fear the hackers will win, and 10 years from now we'll be using snail mail again. :(
by xenial
Sat Feb 25, 2017 10:58 am
Forum: Personal Finance (Not Investing)
Topic: Protecting Aging Parrents - Advice Please
Replies: 25
Views: 3291

Re: Protecting Aging Parrents - Advice Please

Falling prey to a slick insurance salesman is hardly conclusive evidence of age-related cognitive decline; it happens to plenty of young people too. I think your best bet is to talk with your FIL about the hazards of dealing with these financial charlatans. You might also suggest he hire a good fina...
by xenial
Wed Feb 22, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 2613

Re: Open vanguard CD Order

Why would one buy a brokered CD vs directly from the bank? 1. Convenience: You can hold CDs in the same brokerage account as your other investments. This is especially nice for IRAs, where you'd otherwise need to do custodian-to-custodian transfers when changing banks to get a good interest rate. 2...
by xenial
Wed Feb 22, 2017 10:45 am
Forum: Investing - Help with Personal Investments
Topic: Open vanguard CD Order
Replies: 29
Views: 2613

Re: Open vanguard CD Order

It usually takes only a few minutes in my experience. I suggest you call Vanguard and ask what's going on.
by xenial
Mon Feb 20, 2017 1:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard dividend info on 1099-B is different
Replies: 10
Views: 917

Re: Vanguard dividend info on 1099-B is different

Did you upgrade from a mutual-funds-only account to a brokerage account during 2016? If so, you probably got a 1099 from the mutual-funds-only account too.
by xenial
Fri Feb 17, 2017 11:08 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Service problems in the news
Replies: 24
Views: 3950

Re: Vanguard Service problems in the news

Hopefully this sort of article will help to prod Vanguard toward improvement. And Vanguard's fiercely loyal investors have proven to be one of their most effective markting tools, spreading the word about the advantages of low-cost, buy-and-hold investing. The Bogleheads board is filled with effusiv...
by xenial
Fri Feb 17, 2017 10:11 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Web Site Down?
Replies: 98
Views: 6869

Re: Vanguard Web Site Down?

I was able to enter my username and password, and I reached the screen to enter my security code. I provided the code, but the page hung at that point. After a couple of minutes a dialog box popped up asking if I wanted to cancel. I said no. After a couple more minutes, I got in.
by xenial
Thu Feb 16, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Upgraded Vanguard Brokerage Account
Replies: 5
Views: 1137

Re: Upgraded Vanguard Brokerage Account

Bob, googling something like upgraded brokerage account site:bogleheads.org will give you lots of conversations on this topic. I personally don't have a strong feeling either way about the new structure.
by xenial
Wed Feb 08, 2017 2:42 pm
Forum: Local Chapters and Bogleheads Community
Topic: Amazon Smile: John C Bogle Center
Replies: 22
Views: 4318

Re: Amazon Smile: John C Bogle Center

Which provides the larger donation to the Bogle Center: Amazon Smile or the Amazon link in the "Support This Site" box on the bogleheads.org homepage?
by xenial
Tue Jan 10, 2017 6:42 pm
Forum: Investing - Theory, News & General
Topic: Hide Funds with 0 balance (after upgrade I cannot customize in Bal&Hold)
Replies: 2
Views: 340

Re: Hide Funds with 0 balance (after upgrade I cannot customize in Bal&Hold)

I've found that holdings with zero balance go away automatically once their last trade settles.
by xenial
Sat Dec 10, 2016 1:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 13726

Re: Vanguard's new "account overview" page... BOO!

. . . 2) Vanguard has finally gone over to the dark side and given us a line of market index indicators that we get to see all the time on the home page. To help us make our nimble, split-second market-timing decisions. Double boo. . . . I don't like seeing the market info either, so I hid that par...
by xenial
Thu Dec 08, 2016 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Where are the mortality credits?
Replies: 1
Views: 396

Re: Where are the mortality credits?

The insurance companies take adverse selection into account. Sickly people don't usually buy QLACs. Your 40% probability of dying before payouts begin probably came from some table which considers all 73 year olds. But I bet you're healthier than the typical 73 year old, and you have much more than ...
by xenial
Sat Nov 26, 2016 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Need Money Market Fund or similar recommendations
Replies: 4
Views: 821

Re: Need Money Market Fund or similar recommendations

The sort of account you need is often called online savings or high yield savings. depositaccounts.com is a good resource: Compare Savings Account Rates . Be aware that some banks or credit unions offer short term teaser rates. I'm very satisfied with Ally Bank, which offers a 1% APY, a good website...
by xenial
Fri Nov 25, 2016 7:26 pm
Forum: Investing - Help with Personal Investments
Topic: My Bonds Are Enraging Me
Replies: 43
Views: 7079

Re: My Bonds Are Enraging Me

Today was my second full day in the market. While I'm happy to see returns of $974.24 on my VFIAX and $881.93 on my VEXAX, my total bond fund (VBTLX) has lost me $138.06. This enrages me! Should I switch to consumer staples (VDC) as a bond substitute??? No!!! Ignore the short term swings in your in...