Search found 208 matches

by 92irish
Fri Sep 13, 2019 1:27 pm
Forum: Investing - Theory, News & General
Topic: Vanguard declines online broker survey
Replies: 16
Views: 1763

Re: Vanguard declines online broker survey

If you want to be an online day trader with all the bells and whistles of high volume trading, Vanguard is not the place for you (and they are fine with that). There are much better places if that is your game. If you are mostly a buy and hold investor and want to make some ETF and occasional stock ...
by 92irish
Fri Aug 16, 2019 12:25 pm
Forum: Personal Investments
Topic: Vanguard Energy ETF (VDE) - Good Time to Jump In?
Replies: 13
Views: 2136

Re: Vanguard Energy ETF (VDE) - Good Time to Jump In?

Yes - it would be market timing, but I would have to agree with you that energy seems to be in a deep bear market. I am of the opinion that energy will be needed for a very long time. I must confess that I have purchased some VDE recently as a small portion of my portfolio. One thing to remember is ...
by 92irish
Mon Aug 12, 2019 6:35 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard ongoing glitches, August 12-13, 2019]
Replies: 256
Views: 17288

Re: Wellesley 56.05% drop today

Fixed income mutual funds are almost all showing 0% change today when interests had a strong drop (thus prices should be up across the board). I sold a large position of the TIPS fund (VAIPX), and it should have increased fairly substantially today for a bond fund. Something is up.
by 92irish
Wed Aug 07, 2019 6:36 pm
Forum: Investing - Theory, News & General
Topic: Personal Flagship Representaive Going Away
Replies: 126
Views: 13609

Re: Personal Flagship Representaive Going Away

I'm very disappointed about this. My rep is a very pretty brunette and I'm going miss seeing her smiling face every time I log in. Sigh! In all seriousness, this change means nothing to me if it allows Vanguard to be more efficient and reduce costs.
by 92irish
Fri Jul 19, 2019 10:32 am
Forum: Personal Consumer Issues
Topic: Do you buy cellphone outright or pay over 2 years?
Replies: 129
Views: 8979

Re: Do you buy cellphone outright or pay over 2 years?

I always buy outright unlocked phones. I've used Swappa for lightly used iphone 6S and iphone 7. Super great deals over brand new and no issues at all with phones. Swappa is a great site, although I did once get a "blacklisted" phone I had to return for refund. No harm, just a pain. Goes with the te...
by 92irish
Tue Jun 18, 2019 10:04 am
Forum: Investing - Theory, News & General
Topic: Can't contact VG & "Your account information is temporarily unavailable"
Replies: 32
Views: 1941

Re: Can't contact VG & "Your account information is temporarily unavailable"

Wouldn't be surprised if it is a denial of service attack - where hackers try to overwhelm a website and keep people from logging on. It seems hackers like to do this during a time when there is large swing in the market (strong open today), as it bothers people that might be trying to buy and sell....
by 92irish
Wed May 01, 2019 10:23 am
Forum: Personal Investments
Topic: Sell l Bond or VWLTX to pay off mortgage?
Replies: 9
Views: 995

Re: Sell l Bond or VWLTX to pay off mortgage?

It would seem to me that a slightly better return would be to pay-off the mortgage as compared to the I-Bonds/VWLTX. So long as you retain enough liquidity (emergency for job loss, etc.), I'd pay-off the mortgage. If you go half way, personally, I'd keep the I-Bonds because they never go down in val...
by 92irish
Wed Apr 17, 2019 3:10 pm
Forum: Personal Investments
Topic: REIT's recent pullback
Replies: 14
Views: 1931

Re: REIT's recent pullback

REITs are interest rate sensitive. The 10 year yield as moved from around to 2.4% to 2.6% over the past few weeks which may have something to do with slight pullback.
by 92irish
Thu Feb 14, 2019 2:43 pm
Forum: Personal Investments
Topic: Theory: NOW is the Best Time for Total World Stock
Replies: 145
Views: 19351

Re: Theory: NOW is the Best Time for Total World Stock

You can now get the Total World Index with Admiral shares at .10% annual expense ratio. All in one package and finally with lower cost admiral shares (what took you so long Vanguard?). I like it!
by 92irish
Tue Jan 29, 2019 11:17 am
Forum: Personal Consumer Issues
Topic: Do you do backpacking in your 50s or 60s?
Replies: 51
Views: 4011

Re: Do you do backpacking in your 50s or 60s?

Barely into 50 - but I do. The keys are ultralight gear and good sleeping pad. There is so much awesome light stuff (from tents, to bags, stoves) even though it is bit pricey. Every pound off your back is great on the body. It is actually fun to shave off every ounce and see out light you can go. Th...
by 92irish
Fri Jan 25, 2019 10:59 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity HSA Fee Reimbursement
Replies: 12
Views: 944

Re: Fidelity HSA Fee Reimbursement

Fidelity would not reimburse my $50 fee either (don't feel badly) - they said because the HSA is no cost (fee free going forward) that they were not offering any other type of perk for new accounts. To my surprise, about a week after I opened by Fidelity account, a $50 credit was swept into my accou...
by 92irish
Wed Jan 16, 2019 4:22 pm
Forum: Personal Consumer Issues
Topic: Netflix Recommendations
Replies: 53
Views: 6034

Re: Netflix Recommendations

The Last Kingdom was very entertaining.

[If you like Braveheart/Game of Thrones genre - not for the faint of heart]
by 92irish
Thu Dec 20, 2018 5:01 pm
Forum: Personal Investments
Topic: $6,000 to contribute to Roth IRA in January. Direct vs backdoor contribution given uncertain income and employer plan.
Replies: 8
Views: 565

Re: $6,000 to contribute to Roth IRA in January. Direct vs backdoor contribution given uncertain income and employer pla

I am in the same situation as you Dolcetto. I am planning to just do a backdoor ROTH and be done with it. I don't have any other traditional IRAs so it is simple $6K in non-deductible IRA and backdoor to ROTH (no tax). The downsides are you have to mess with the tax forms 8606. I believe you also do...
by 92irish
Wed Oct 10, 2018 12:19 pm
Forum: Personal Investments
Topic: anybody sell I Bonds to buy something else?
Replies: 49
Views: 5689

Re: anybody sell I Bonds to buy something else?

I have some zero percent I bonds that are not looking so attractive anymore. I may very well unload some of them. My others I-bonds with fixed rates of 3% and north, I will hold until maturity for sure. 5-year TIPS are now 1% + inflation. Nominal bonds/CDs are also sporting better and more competiti...
by 92irish
Fri Sep 14, 2018 11:30 am
Forum: Personal Finance (Not Investing)
Topic: Pay off 3.125% 152k mortgage early?
Replies: 37
Views: 3467

Re: Pay off 3.125% 152k mortgage early?

With the new tax change to the standard deduction ($24,000 for married couples), you may actually not be getting much if any value out of the tax deduction for mortgage interest. It depends on your other deductions (property taxes, state income taxes, etc.). We recently paid off our mortgage and I'm...
by 92irish
Mon Jul 30, 2018 10:13 am
Forum: Personal Consumer Issues
Topic: ACT test - got 34, try for 36?
Replies: 61
Views: 6718

Re: ACT test - got 34, try for 36?

Really depends on where they want to go and what the school's average are. My daughter scored a 32 on the first go around which was borderline where she wanted to go, so it make sense for her to retest. The next time she scored a 34 which put her slightly above average - though she still wanted to t...
by 92irish
Thu Jul 26, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Anyone find a better all-in-one bond fund than FTBFX?
Replies: 5
Views: 1824

Re: Anyone find a better all-in-one bond fund than FTBFX?

As far as managed bond funds go (this is not an index), Fidelity Total Bond Fund (FTBFX) is a pretty good one. It has pretty consistently beat U.S. bond market aggregate index over short and long periods. Although, nothing comes for free and it takes on more risk to do so (EM bonds and High Yield, o...
by 92irish
Fri Jul 20, 2018 9:59 am
Forum: Personal Investments
Topic: BH- Need advise for 45 year old
Replies: 22
Views: 2228

Re: BH- Need advise for 45 year old

I vote sell both rental properties - to diversify away from a concentrated position in Bay Area real estate. If you like real estate, buy some REITs and you'll actually receive positive cash flow. With a young child and surely a busy life, your life will also be simpler without having to deal with d...
by 92irish
Mon Jul 09, 2018 10:00 am
Forum: Personal Investments
Topic: Should I exchange total bond market for stable value fund
Replies: 13
Views: 1381

Re: Should I exchange total bond market for stable value fund

If your total bond market fund is a long-term hold to diversify a retirement portfolio, I would stick with the total bond market fund. The only reason I'd consider the stable value if you were getting close to retirement and/or in a draw down phase where principal stability was important. If you are...
by 92irish
Thu Jun 21, 2018 11:21 am
Forum: Personal Investments
Topic: Feel like I'm sinking money into international
Replies: 100
Views: 14284

Re: Feel like I'm sinking money into international

I know the feeling - but try to think of it as you are buying stocks which are a better value (lower P/E) than U.S. I remember times with Intl' has been on a tear compared to U.S. It will come around again. I am 50/50 U.S/Intl stocks. I use U.S. total stock market index mutual fund admiral and Total...
by 92irish
Thu Jun 07, 2018 7:08 pm
Forum: Personal Consumer Issues
Topic: daughter wants a college transfer?
Replies: 65
Views: 6248

Re: daughter wants a college transfer?

Cornell has a great academic reputation for sure - but so do a lot of schools. She can get a great education so many other places and just because you went to Cornell is not going to get you into medical school alone. Your undergraduate years are too important for your formation to be miserable if y...
by 92irish
Fri Jun 01, 2018 10:01 am
Forum: Personal Consumer Issues
Topic: Seeking Alpha pro membership, your thoughts
Replies: 17
Views: 3342

Re: Seeking Alpha pro membership, your thoughts

There is a guy who posts there called "Tipswatcher".... he does great articles on TIPS and I-Bonds. His articles are still free and often go to SA to read his commentaries on auctions, etc. That's all I'd recommend.
by 92irish
Wed May 23, 2018 9:51 am
Forum: Personal Consumer Issues
Topic: Buying a Woman's Tag Heuer On-line
Replies: 41
Views: 2967

Re: Buying a Woman's Tag Heuer On-line

I recently purchased an Omega Seamaster at Jomashop. Everything was perfect and smooth transaction. Jomashop has been in business and a long time. They do a ton of volume and would not hesitate to purchase from them. That being said, if I ever had a problem with the watch in the future, I don't view...
by 92irish
Wed May 02, 2018 4:41 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 19819

Re: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]

Now I am glad I procrastinated and did not do anything about my "over" contribution of $6,900.

Good grief.
by 92irish
Wed Apr 18, 2018 3:10 pm
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment
Replies: 4
Views: 808

Re: Short-Term Investment Options for a Rising-Rate, Volatile-Market Environment

This is interesting coming from Charles Schwab. Here is a snippet from a Wall Street Journal Article in 2013 by Tom Lauricella about the Schwab Ultra Short Fund. "The Schwab YieldPlus mutual fund lost 35% during the financial crisis in 2008, resulting in the company agreeing to pay a $119 million fi...
by 92irish
Mon Mar 12, 2018 11:39 am
Forum: Investing - Theory, News & General
Topic: Vanguard Global ex-US Real Estate Fund - Fees
Replies: 5
Views: 1143

Re: Vanguard Global ex-US Real Estate Fund - Fees

Vanguard may also believe that this asset close is prone to hot money coming in and out, coupled with more difficult securities to buy/sell (foreign securities on foreign markets). They might keep this fee indefinitely. I've owned the admiral class shares for several years and the purchase/redemptio...
by 92irish
Fri Mar 09, 2018 5:33 pm
Forum: Personal Finance (Not Investing)
Topic: HSA family max contribution lowered to $6850 for 2018 [and changed to $6900 again]
Replies: 128
Views: 19819

Re: HSA family max contribution lowered to $6850 for 2018

What a pain! - I've already contributed my full $6,900.

Any further comments by me would violate multiple forum policies, including but not limited to, 1) obscenity, 2) all capital letters, 3) politics, and 4) non-actionable content. :x
by 92irish
Tue Feb 20, 2018 3:42 pm
Forum: Investing - Theory, News & General
Topic: why Vanguard short-term bond instead of CD
Replies: 31
Views: 5336

Re: why Vanguard short-term bond instead of CD

You are not misunderstanding anything. CDs can be better on a risk/return basis than a bond fund, but you are giving up liquidity with a CD. A CD is fixed in time and you can not access the money (or at least not until you break the contract and pay the respective panelty). A Bond fund is traded an...
by 92irish
Tue Feb 20, 2018 12:36 pm
Forum: Investing - Theory, News & General
Topic: why Vanguard short-term bond instead of CD
Replies: 31
Views: 5336

Re: why Vanguard short-term bond instead of CD

You are not misunderstanding anything. CDs can be better on a risk/return basis than a bond fund, but you are giving up liquidity with a CD. If you know you will not need to tap into the CD because it is a long term hold in a retirement account, the CD can offer slightly better risk/return. CDs do a...
by 92irish
Tue Feb 13, 2018 7:29 pm
Forum: Personal Finance (Not Investing)
Topic: Obligation to use car insurance proceeds?
Replies: 22
Views: 2028

Re: Obligation to use car insurance proceeds?

Interesting thread - as I am in a similar situation where I recently had some bumper damage that was not my fault. I sent the insurance company an estimate from an autobody shop and then they sent me a joint check (payable to me and to the auto body shop where I got the estimate). I called the insur...
by 92irish
Tue Feb 13, 2018 2:41 pm
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 246
Views: 46231

Re: What's your U.S. : International ratio?

I'm 50/50. I wish Vanguard would offer an Admiral share version of the Total World Stock Index fund - that would make my life easier. I'd prefer not to use the total world stock index ETF (VT), so I must split between the admiral total US stock market and admiral total intl' market index keep the ex...
by 92irish
Tue Feb 13, 2018 2:31 pm
Forum: Personal Consumer Issues
Topic: Home buying: how to send postcards to neighborhood we want to live in?
Replies: 38
Views: 5046

Re: Home buying: how to send postcards to neighborhood we want to live in?

This thread is making me remember something that happened to me - you are not supposed to put anything in someone else's mailbox. I was helping a friend distribute a flier for her business and she was putting them in mailboxes. A postman saw her and read her the riot act for violating federal law. H...
by 92irish
Wed Jan 31, 2018 11:03 am
Forum: Personal Investments
Topic: Best HSA for buy-&-hold?
Replies: 21
Views: 3642

Re: Best HSA for buy-&-hold?

Another new (and happy) Lively customer here. I really like their website, but best of all low cost for a buy & hold person with a linked TD Ameritrade account. I switched from HSA Bank and process was easy (and quick). I only had a few dollars in HSA Bank ($22 bucks to be exact) with everything at ...
by 92irish
Thu Jan 25, 2018 7:03 pm
Forum: Personal Finance (Not Investing)
Topic: High Yield Savings Account Recommendations?
Replies: 48
Views: 6656

Re: High Yield Savings Account Recommendations?

If you travel abroad - Ally Bank has excellent overseas Debit & ATM withdrawal fees. They are at 1% whereas many banks charge $5 per withdrawl plus 3% on top of that. Something to consider. I keep Ally just for that.
by 92irish
Tue Jan 23, 2018 1:01 pm
Forum: Personal Investments
Topic: Ready to give up on bond fund, Lost 2.25% past 6 months
Replies: 85
Views: 13330

Re: Ready to give up on bond fund, Lost 2.25% past 6 months

"Half the time I wonder why I have so much in bonds, and the other half why so much in stocks" -John Bogle I've always liked this Bogle quote and is so true. Although, of late it seems like I wonder 90% of the time I have so much in bonds and only 10% why I have so much in stocks. But that will cha...
by 92irish
Wed Jan 17, 2018 7:50 pm
Forum: Personal Investments
Topic: How to Invest my HSA - Lively
Replies: 32
Views: 6168

Re: How to Invest my HSA - Lively

Had the exact experience at TropikThunder. Quick and easy transfer of TD Ameritrade account from HSA Bank and now to Lively. It always bugged me that HSA Bank would not let you pay their fee outside of your HSA account, which Lively does. I'm happy camper so far.
by 92irish
Fri Dec 29, 2017 2:04 pm
Forum: Personal Investments
Topic: Bonds - Index vs Actively Managed
Replies: 18
Views: 2475

Re: Bonds - Index vs Actively Managed

Cost is a huge issue for bond funds with interest rates so low - keep any active bond fund expense ratio below .50%. Also don't be deceived by strong numbers of some active bond funds of late, because if you look under the hood there is a lot of risk (junk bonds, EM bonds) pumping those relative ret...
by 92irish
Tue Nov 28, 2017 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: Lively HSA offers first dollar investing
Replies: 353
Views: 61736

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

dschonauer: Let us know how HSA Bank handles your cash balance - I'm curious. I think they have a $25 account closure fee. I have HSA Bank (for now). I'm considering just having everything in TD Ameritrade and only leaving $25 bucks at HSA Bank, that way they have no excess to return to me and I am ...
by 92irish
Thu Nov 16, 2017 10:56 am
Forum: Investing - Theory, News & General
Topic: The World's Negative Interest Rate Experiment
Replies: 34
Views: 4164

Re: The World's Negative Interest Rate Experiment

Wouldn't investors simply move toward investments with higher yields? Yes, this does appear to be happening to a degree. One interesting aspect is that foreign investors have even been piling into U.S. municipal bonds (chart below) — even though they can't take advantage of the tax benefits and are...
by 92irish
Fri Oct 06, 2017 9:43 am
Forum: Investing - Theory, News & General
Topic: Some 'hints' about brokered CDs
Replies: 45
Views: 11950

Re: Some 'hints' about brokered CDs

Another Tip: If you are going to buy a secondary market CD at a premium, you should double check the bank's credit worthiness. As pointed out above, FDIC does not cover the amount you have paid at a premium. Bankrate.com has a "Safe & Sound" rating system that you can plug in the name of the bank an...
by 92irish
Sat Aug 05, 2017 1:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up
Replies: 62
Views: 8045

Re: Vanguard Puts Rivals on Notice: Fee Wars Will Only Heat Up

Fidelity and Schwab can offer all the loss leader index funds they want at .05% less than Vanguard - I'm not biting. I'm sticking with Vanguard. A client of mine had a multi-million dollar portfolio of index funds at Fidelity and he died leaving it to his widow. She was not financially adept and Fid...
by 92irish
Mon Jun 19, 2017 4:12 pm
Forum: Personal Consumer Issues
Topic: Olympic NP and Mt Rainier NP
Replies: 20
Views: 2878

Re: Olympic NP and Mt Rainier NP

In the Olympic NP, the hike to Sol Duc falls is easy for kids. Although the best part is that the hot springs at Sol Duc are really fun for kids. They have some nice pools and an old school national park lodge. I'd put that on my list for the Olympic National Park.
by 92irish
Thu Jun 01, 2017 3:30 pm
Forum: Investing - Theory, News & General
Topic: Fidelity's index fund manager: Geode Capital Management
Replies: 9
Views: 5022

Re: Fidelity's index fund manager: Geode Capital Management

The separate nature of the manager does not bother me. Some Vanguard funds use non-Vanguard advisory firms (e.g. Wellington Management). I will say that some Geode managed index funds have not always tracked their benchmarks very well (for example, FSGDX - Fidelity Global Ex-US; and FSRVX - Fidelity...
by 92irish
Fri May 05, 2017 1:20 pm
Forum: Personal Consumer Issues
Topic: Visiting Paris for 8 days - what to do?
Replies: 47
Views: 5090

Re: Visiting Paris for 8 days - what to do?

Go see a performance at the Palais Garnier (Paris Opera House). We had box seats for the Paris Opera Ballet. Not only was the ballet fantastic, but we are able to see inside and out the Palais Garnier which is amazing. A great experience all around. You can buy tickets online in advance. A highlight...
by 92irish
Fri Mar 24, 2017 11:49 am
Forum: Personal Investments
Topic: Thinking about adding a 5% position to commodities
Replies: 21
Views: 2344

Re: Thinking about adding a 5% position to commodities

Echoing all the other comments - not a fan of commodity ETFs. They are expensive, volatile, and all kinds weird risks (cantango anyone?).

If you are seeking an asset class that provides inflation protection in a portfolio and diversification, I'd stick with an allocation to TIPS. That's what I do.
by 92irish
Wed Mar 22, 2017 1:04 pm
Forum: Personal Investments
Topic: Selling Corporate Bonds - Inherited IRA
Replies: 11
Views: 842

Re: Selling Corporate Bonds - Inherited IRA

You will get hosed if you try to sell small lots of corporate bonds. You can get a quote from the bond desk at Vanguard to confirm, but the spreads will likely be large. Whether you are Voyager or not, the haircut will be significant in my experience. Unless you desperately need the money, I'd wait ...
by 92irish
Wed Mar 22, 2017 12:56 pm
Forum: Investing - Theory, News & General
Topic: Muni fund reinvest or not
Replies: 11
Views: 1258

Re: Muni fund reinvest or not

If you don't need the income, I'd say reinvest until you do. In the old days it could be complicated to keep track of your basis when you reinvested your dividends, but Vanguard does that for you now.

As your signature line says - K.I.S.S.!
by 92irish
Sun Mar 19, 2017 9:04 pm
Forum: Personal Investments
Topic: Emergency fund - in Prime Money Market?
Replies: 7
Views: 1245

Re: Emergency fund - in Prime Money Market?

SEC yield on Prime Money Market is now .8% and has been rising over the past months. Online bank savings accounts seem stuck around the 1.00% range. There really is not much difference now between Vanguard Prime Money Market and the majority of online savings accounts. We'll see in the future, but m...
by 92irish
Thu Feb 23, 2017 4:33 pm
Forum: Investing - Theory, News & General
Topic: VTIAX now has 0.11% ER [Vanguard Total Int'l Stock, Admiral Class]
Replies: 43
Views: 6611

Re: VTIAX now has 0.11% ER

I also find it odd that VYMI (Vgd International High Dividend ETF + mutual fund shares) had their expense ratio go up. Especially since it is an index fund which to begin with already had a relatively high expense ratio. It is mostly an index with large cap developed country stocks, so I don't know ...
by 92irish
Thu Feb 23, 2017 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: IRS share federal tax information with states?
Replies: 7
Views: 1638

Re: IRS share federal tax information with states?

They do. As an example, my friend filed a Schedule C on his 1040 for some consulting income. The Schedule C requests an address and he listed his home in Fairfax County Virginia, although he really did the work in Washington DC and elsewhere (and not out of his home). The county went after him for n...