Search found 12 matches

by DriftWood
Wed Oct 11, 2017 9:39 am
Forum: Investing - Theory, News & General
Topic: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first time
Replies: 3
Views: 967

Re: WSJ- ‘Passive’ Investing Frenzy Pushes Vanguard to $4.7 Trillion in Assets Assets topped $4 trillion for the first

Assuming there are 10 million individual investors that have investment in Vanguard. The average portfolio size per investor is $470k, that's a quite impressive number, I have to say.
by DriftWood
Fri Sep 29, 2017 10:22 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 96
Views: 8141

Re: New HSA provider Lively offers investments for $30/yr fee

SelectAccount charges $36 per year in fees, that's about $6 more than Lively. The available fund choices are quite limited for basic investment in SelectAccount. Most relevant ones are Vanguard large/mid/small cap index funds, while no Vanguard bond fund is available. Also you have to put $1000 mini...
by DriftWood
Wed Sep 20, 2017 9:10 am
Forum: Personal Finance (Not Investing)
Topic: 30yr Mortgage Refi Rates
Replies: 16
Views: 2521

Re: 30yr Mortgage Refi Rates

We bought our house in 2012 with 15 yr mortgage at 3.125% from BoA. Last September, we did a refinance to 10 yr mortgage with 2.5% rate (zero closing cost) which is from PHH. Monthly payment is slightly up around $100. That was right before the rate hike after presidential election.
by DriftWood
Fri Aug 18, 2017 9:49 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15799

Re: Capital One $400 bonus for new checking account

Thanks for the info. It looks like ACH deposit from Chase checking account is not considered Direct Deposit by Captial One 360. I did two $260 transfers from my Vanguard brokerage account on 8/15. Then the next day Cha-Ching! New Account Bonus of $400 is posted! Can you tell me how you do ACH trans...
by DriftWood
Fri Aug 18, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 19391

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

In the introduction message of proxy vote from Vanguard, it says Shareholders are also being asked to vote on several fund proposals that will harmonize policies across Vanguard's U.S.-based funds. If the proposals are approved, the funds will have more operational flexibility, helping them run more...
by DriftWood
Thu Aug 17, 2017 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15799

Re: Capital One $400 bonus for new checking account

I did two ACH transfers of amount $255 and $265 from my Chase checking account on July 10. Still no bonus posted on Captial One 360 account yet. Under Captial One 360 checking accounts, both ACH transfers are marked as "Transaction Type: Deposit" and "Info: Ext Trnsfr". Are these eligible as Direct...
by DriftWood
Thu Aug 03, 2017 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Capital One $400 bonus for new checking account
Replies: 108
Views: 15799

Re: Capital One $400 bonus for new checking account

I did two ACH transfers of amount $255 and $265 from my Chase checking account on July 10. Still no bonus posted on Captial One 360 account yet. Under Captial One 360 checking accounts, both ACH transfers are marked as "Transaction Type: Deposit" and "Info: Ext Trnsfr". Are these eligible as Direct ...
by DriftWood
Thu Jun 08, 2017 9:15 am
Forum: Investing - Theory, News & General
Topic: [News about changes to the Illinois 529 plan]
Replies: 10
Views: 2280

Re: [News about changes to the Illinois 529 plan]

Among the individual fund choices, there are Vanguard 500 Index, Vanguard Total International Index and Vanguard Total Bond Market. It would be nice to have Vanguard Total Stock Market and Vanguard Mid Cap Market there as well. That would make a customized portfolio more appealing than the preselect...
by DriftWood
Fri Jun 06, 2014 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Which bond funds for long-term balanced growth in 75/25 AA?
Replies: 8
Views: 895

Re: Which bond funds for long-term balanced growth in 75/25

OP, I sort of understand your point, as I am in the similar situation as you: 30 years away from retirement, reasonably high income and high saving rate. The common goal for us is to tilt more to the growth side of investment during the accumulation stage, given moderate (or slightly more) tolerance...
by DriftWood
Mon May 19, 2014 1:28 pm
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 44772

Re: What is the best brand of 3 ton air conditioner & furnac

2. If possible choose the high efficiency furnace with variable speed fan motor. This will make inside temperature more stable, resulting in a noticeable improvement on comfortability. Another benefit is that a mid/lower end AC working with variable speed blower could increase its efficiency. For e...
by DriftWood
Mon May 19, 2014 12:12 pm
Forum: Personal Consumer Issues
Topic: What is the best brand of 3 ton air conditioner & furnace?
Replies: 46
Views: 44772

Re: What is the best brand of 3 ton air conditioner & furnac

I just had a contractor install two ACs and two furnaces for our house in March this year. Those replaced 14 years old goodman units that are builder's model when the house was built in 2000. I did quite a bit of research/reading on line and here is my observation: 1. Trane/American Standard(same ma...
by DriftWood
Wed Apr 09, 2014 11:57 am
Forum: Investing - Help with Personal Investments
Topic: Back door Roth IRA for stay at home wife?
Replies: 7
Views: 929

Re: Back door Roth IRA for stay at home wife?

I am in a similar situation. Wife is a stay-home mom with no income. Our income tax is in 28% bracket (married filed jointly), over the limit of Roth IRA contribution. My understanding is that she's not eligible to make contribution to traditional IRA, because of no earned income. Therefore there is...