Search found 3929 matches

by jhfenton
Wed Apr 24, 2019 2:03 pm
Forum: Personal Investments
Topic: Close Vanguard and go all in with Fidelity?
Replies: 55
Views: 2168

Re: Close Vanguard and go all in with Fidelity?

I finally decided today to move our smallest account--my rollover IRA--from Vanguard to Fidelity. At Vanguard, the entire account is invested in VEMAX/Vanguard Emerging Markets Index Admiral at 14 bp. I could convert it to VWO, the ETF share class, at 12 bp, now that that is cheaper, but I decided t...
by jhfenton
Wed Apr 24, 2019 10:35 am
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2115

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Does this eliminate the return fee? Amazon generally doesn't charge a return fee. I've certainly never paid one. I always just print off the Amazon-provided UPS return labels and drop the package in a UPS box. I work in an office tower in downtown Cincinnati, and there is a UPS box one level below ...
by jhfenton
Tue Apr 23, 2019 6:23 pm
Forum: Investing - Theory, News & General
Topic: Can a fund/ETF increase its ER?
Replies: 8
Views: 402

Re: Can a fund/ETF increase its ER?

As others have said, funds can--and occasionally have--increased their fees. But for the current crop of low-cost index funds from Vanguard, Fidelity, BlackRock/iShares, and Schwab, I would be shocked if there were substantial fee increases at any point. I would be perfectly comfortable holding well...
by jhfenton
Tue Apr 23, 2019 3:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2115

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Does this eliminate the return fee? Amazon generally doesn't charge a return fee. I've certainly never paid one. I always just print off the Amazon-provided UPS return labels and drop the package in a UPS box. I work in an office tower in downtown Cincinnati, and there is a UPS box one level below ...
by jhfenton
Tue Apr 23, 2019 12:40 pm
Forum: Personal Consumer Issues
Topic: Amazon Returns accepted at Kohl's Dept. Stores...
Replies: 26
Views: 2115

Re: Amazon Returns accepted at Kohl's Dept. Stores...

Does this eliminate the return fee? Amazon generally doesn't charge a return fee. I've certainly never paid one. I always just print off the Amazon-provided UPS return labels and drop the package in a UPS box. I work in an office tower in downtown Cincinnati, and there is a UPS box one level below ...
by jhfenton
Tue Apr 23, 2019 10:23 am
Forum: Personal Investments
Topic: Vanguard Total Bond Fund Vs. State Street U.S. Bond Index Fund - Which should I use in 3 fund portfolio?
Replies: 4
Views: 337

Re: Vanguard Total Bond Fund Vs. State Street U.S. Bond Index Fund - Which should I use in 3 fund portfolio?

I would almost certainly use both funds, just for ease of rebalancing inside each 401(k). The performance of the two funds are going to be almost indistinguishable. The only downside to collective investment trusts is that they are not as easy to track in your own spreadsheet or in a portfolio trac...
by jhfenton
Tue Apr 23, 2019 10:17 am
Forum: Personal Consumer Issues
Topic: Separate individual HSA plans for wife and husband?
Replies: 7
Views: 380

Re: Separate individual HSA plans for wife and husband?

If wife and husband have different employers and have different individual high deductible health insurance plans with their individual employers, can they have separate individual health savings plans (not a family plan)? Yes. And it's not so much can , as must , if they want max out their contrib...
by jhfenton
Tue Apr 23, 2019 9:34 am
Forum: Personal Consumer Issues
Topic: Separate individual HSA plans for wife and husband?
Replies: 7
Views: 380

Re: Separate individual HSA plans for wife and husband?

If wife and husband have different employers and have different individual high deductible health insurance plans with their individual employers, can they have separate individual health savings plans (not a family plan)? Yes. And it's not so much can , as must , if they want max out their contrib...
by jhfenton
Tue Apr 23, 2019 9:25 am
Forum: Personal Investments
Topic: Vanguard Total Bond Fund Vs. State Street U.S. Bond Index Fund - Which should I use in 3 fund portfolio?
Replies: 4
Views: 337

Re: Vanguard Total Bond Fund Vs. State Street U.S. Bond Index Fund - Which should I use in 3 fund portfolio?

I would almost certainly use both funds, just for ease of rebalancing inside each 401(k). The performance of the two funds are going to be almost indistinguishable. The only downside to collective investment trusts is that they are not as easy to track in your own spreadsheet or in a portfolio track...
by jhfenton
Tue Apr 23, 2019 7:39 am
Forum: Personal Consumer Issues
Topic: At what age did you buy your first first class airplane ticket?
Replies: 112
Views: 3974

Re: At what age did you buy your first first class airplane ticket?

Never in 40+ years. I can't imagine a point in my life financially where I would pay 3x the price for a 1st class ticket. +1 I never have, and I almost certainly never will. I'm satisfied with the exit-row seats I usually get for being a Delta silver medallion. And when I don't--as on my trip with ...
by jhfenton
Mon Apr 22, 2019 3:18 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 436
Views: 29701

Re: How did you feel about your 2018 tax returns?

Between getting married and higher standard deduction, my taxes dropped a LOT. I think our effective rate was something absurd like 9% of actual gross income even though marginal rate was 22%. I'm tempted to say too low. The experience of doing them was about the same as usual, except that I couldn...
by jhfenton
Mon Apr 22, 2019 2:06 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 215
Views: 17451

Re: (NEW) WisdomTree 90/60 U.S. Balanced Fund

This fund has still only attracted 5 million dollars. That *seems* low, but I’ll admit that I don’t know what a reasonable expectation would be at this point. Well, it is on the ETF Deathwatch list for March, 2019. It was first listed in January, 2019. ETFs get a free pass on their first six months...
by jhfenton
Mon Apr 22, 2019 1:44 pm
Forum: Personal Finance (Not Investing)
Topic: [2018 tax return - How does it compare to previous years?]
Replies: 436
Views: 29701

Re: How did you feel about your 2018 tax returns?

I used software, so it made little difference. If I had been forced to complete my return on paper, it would have been more confusing. Not needing to track down and document every small charitable contribution saved some time. Our effective tax rate dropped 4%. The only annoying part this year is th...
by jhfenton
Sun Apr 21, 2019 12:13 pm
Forum: Personal Investments
Topic: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)
Replies: 11
Views: 425

Re: Best Vanguard match to BCOIX (Baird Core Plus Bond Fund)

BCOIX falls somewhere in between VFIDX (Vanguard Intermediate-Term Investment Grade Admiral) and VCOBX (Vanguard Core Bond Admiral). VCOBX, in turn, is not that different from the indexed VBTLX (Vanguard Total Bond Market Admiral). VFIDX has a little more in corporate than BCOIX. VCOBX has a little ...
by jhfenton
Thu Apr 18, 2019 11:53 am
Forum: Personal Consumer Issues
Topic: Bogleheads privacy warning
Replies: 61
Views: 5297

Re: Bogleheads privacy warning

I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value. I think I'm good since at home we have no gold, no cash, no jewelry, no guns, no drugs, and not much of anything of value. We do have a really nice treadmill, but good luck get...
by jhfenton
Thu Apr 18, 2019 9:06 am
Forum: Personal Consumer Issues
Topic: What is your hobby and how did it come to be your hobby?
Replies: 88
Views: 6389

Re: What is your hobby and how did it come to be your hobby?

1. Languages. I love languages. I loved French so much in high school that after two years I added Spanish. Then in college I took more French and Spanish, plus Russian and Arabic. A few years ago I got my employer to pay for a year of Mandarin. And now I'm studying Italian and German on my own. The...
by jhfenton
Wed Apr 17, 2019 12:40 pm
Forum: Investing - Theory, News & General
Topic: Interesting article about VFMF Institutional Investors
Replies: 3
Views: 559

Re: Interesting article about VFMF Institutional Investors

I mostly own VFMFX rather than VFMF, but I bought positions in two accounts at the very beginning (on Day 1 in one account). And I have matching positions in VFVA in the same accounts. I suspect more institutions and advisors will be buyers as the funds develop a track record. Many can't or won't b...
by jhfenton
Wed Apr 17, 2019 10:14 am
Forum: Personal Consumer Issues
Topic: Where To Get New Bikes
Replies: 64
Views: 3832

Re: Where To Get New Bikes

This is a little off topic, but often have dreamed about buying a local bike shop for the primary purpose of being able to get to buy new bikes at cost... I don't think it would be a good overall investment but I have often been tempted! It sounds like fun. :beer I've half-joked/half-dreamed about ...
by jhfenton
Tue Apr 16, 2019 7:45 pm
Forum: Personal Investments
Topic: How often do you check up on your investments?
Replies: 35
Views: 2113

Re: How often do you check up on your investments?

I check Vanguard daily, and I track all of our investments on my spreadsheet. Each morning I double-check and record the daily balance.

After doing that for a few years, I have an interesting record of our personal portfolio movements. It makes for fun charts.
by jhfenton
Tue Apr 16, 2019 7:36 pm
Forum: Investing - Theory, News & General
Topic: Interesting article about VFMF Institutional Investors
Replies: 3
Views: 559

Re: Interesting article about VFMF Institutional Investors

I mostly own VFMFX rather than VFMF, but I bought positions in two accounts at the very beginning (on Day 1 in one account). And I have matching positions in VFVA in the same accounts. I suspect more institutions and advisors will be buyers as the funds develop a track record. Many can't or won't bu...
by jhfenton
Tue Apr 16, 2019 12:50 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85653

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

i transferred my hsa from optum to fidelity in november but now my employer just jacked up my insurance premium 50% and is now offering a $500 hsa match so basically forcing me to switch back to optum bank what bull crap is that They can force new salary deferrals to go to Optum Bank, but they can'...
by jhfenton
Tue Apr 16, 2019 12:43 pm
Forum: Investing - Theory, News & General
Topic: Rumor mill - Fidelity starting individual HSA's Nov. 15th
Replies: 1020
Views: 85653

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

i transferred my hsa from optum to fidelity in november but now my employer just jacked up my insurance premium 50% and is now offering a $500 hsa match so basically forcing me to switch back to optum bank what bull crap is that They can force new salary deferrals to go to Optum Bank, but they can'...
by jhfenton
Tue Apr 16, 2019 9:41 am
Forum: Personal Investments
Topic: Fidelity HSA investing
Replies: 5
Views: 466

Re: Fidelity HSA investing

I have a Fidelity HSA, and I was unable to change the default money market option in the account. But there are some compelling short-term options, if not quite as short-term as a money market: FUMBX is the Fidelity Short-Term Treasury Bond Index at 0.03% ER. FNSOX is the Fidelity Short-Term Bond In...
by jhfenton
Fri Apr 12, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Amazon returns
Replies: 15
Views: 1826

Re: Amazon returns

The return button on the orders page is gone, at least on my screen. Anyone else notice this? Is there some new way to make a return? When I look at the orders page, at the bottom is a link for "Returns and Replacements" I also have that, but I also have a button inside the box for each individual ...
by jhfenton
Fri Apr 12, 2019 3:20 pm
Forum: Personal Consumer Issues
Topic: Amazon returns
Replies: 15
Views: 1826

Re: Amazon returns

tc101 wrote:
Fri Apr 12, 2019 3:18 pm
The return button on the orders page is gone, at least on my screen. Anyone else notice this? Is there some new way to make a return?
I still have a "Return or replace items" button on my Amazon orders page. It's there on every order received in the last 30 days.
by jhfenton
Fri Apr 12, 2019 2:24 pm
Forum: Personal Investments
Topic: Is ETF reinvestment inferior to Mutual Fund reinvestment?
Replies: 22
Views: 1051

Re: Is ETF reinvestment inferior to Mutual Fund reinvestment?

Hi there, I still didn't figure out this whole ETF reinvestment shebang. I know that different brokerages have different rules (in my case Merrill), but you know that each brokerage will make a huge trade at market open, with often Over Inflated prices because people would know that companies reinv...
by jhfenton
Fri Apr 12, 2019 11:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)
Replies: 181
Views: 19779

Re: Vanguard Total World Stock (VTWAX) and All-World ex-US Small Cap Admiral Shares (VFSAX) now available (February 7)

Why do VTWAX and VT overweight US vs international as a percentage of total world market cap? VTWAX currently has 54.5% in US, while currently the US is more like 40% of total world market cap. What gives? Are all Total World indices overweighting the US? The differences are total market cap vs fre...
by jhfenton
Thu Apr 11, 2019 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 140
Views: 10401

Re: New Vanguard Commodities Fund --Your Thoughts?

I don't ever feel any urge to be "first on the block" into some new mutual fund. I completely get this concern for smaller, new ETFs or obscure mutual funds from smaller outfits, but a sole commodity fund from Vanguard that's low cost? Yeah I don't see the issue there. The securities being purchase...
by jhfenton
Thu Apr 11, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 140
Views: 10401

Re: New Vanguard Commodities Fund --Your Thoughts?

3) "Commodities" funds have been out for a long time. PCRIX, an early one, got a lot of discussion starting in 2008, and was favorably mentioned by Larry Swedroe at times. I didn't choose to invest in one. I would take the fact that Vanguard is now offering one as a reason to add a new asset class....
by jhfenton
Wed Apr 10, 2019 2:54 pm
Forum: Personal Investments
Topic: Digits of precision in Vanguard transactions
Replies: 10
Views: 586

Re: Digits of precision in Vanguard transactions

I respectfully disagree. Regulated financial institutions don’t lose precision when it comes to tracking values, they just don’t display it. At the end of day one you have .333333 (repeating forever) and displayed rounded as .333. On day two you would have .6666666 (repeating) and displayed rounded...
by jhfenton
Wed Apr 10, 2019 12:01 pm
Forum: Personal Investments
Topic: Borderline too high 401k fees?
Replies: 21
Views: 1049

Re: Borderline too high 401k fees?

I would contribute as much as I could in the knowledge that I would not be there very long.
by jhfenton
Wed Apr 10, 2019 8:56 am
Forum: Investing - Theory, News & General
Topic: Is there a relatively stable junk bond fund?
Replies: 41
Views: 3786

Re: Is there a relatively stable junk bond fund?

I don't know if it's what you're looking for, but fallen angel bonds are one of the better options for junk bonds. Below is an old thread about them. https://www.bogleheads.org/forum/viewtopic.php?t=99492 +1 There have been a few subsequent discussions as well. In addition to the original Van Eck f...
by jhfenton
Tue Apr 09, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Lower Fees/ER vs Increased Transparency
Replies: 6
Views: 296

Re: Lower Fees/ER vs Increased Transparency

It is certainly fair to consider who is running the CITs, but assuming it is BlackRock, Fidelity, or Vanguard, I wouldn't hesitate to use them.
by jhfenton
Tue Apr 09, 2019 12:18 pm
Forum: Investing - Theory, News & General
Topic: Lower Fees/ER vs Increased Transparency
Replies: 6
Views: 296

Re: Lower Fees/ER vs Increased Transparency

I agree that it is a matter of convenience if you like to track your portfolio in M* or your own spreadsheet. I personally do both. But I wouldn't pay a single basis point for a ticker symbol. In the past, when I had a CIT in my 401(k), I just used an institutional index fund with the same expense r...
by jhfenton
Sat Apr 06, 2019 4:55 pm
Forum: Personal Consumer Issues
Topic: [On-going Scams - Post them here]
Replies: 118
Views: 4601

Re: Received a Ransomware email

Anyone ever had something like this? I received an email last summer that sounds very similar to yours. According to Have I Been Pwned, the email address it threatened has been involved in at least 13 different breaches, so the data could have come from anything more than a few years old. I did not...
by jhfenton
Sat Apr 06, 2019 1:34 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 1963

Re: French movies on Netflix

Not a movie but French Village is on MHz and Amazon Prime I think. A very good drama series of what happens in a French town between 1940 and 1946 and beyond. I recall reading it was one of the most watched shows on French TV. That's the show I mentioned earlier: "Un Village français". It is a grea...
by jhfenton
Sat Apr 06, 2019 10:16 am
Forum: Personal Consumer Issues
Topic: Eye glasses - cheaper alternates
Replies: 45
Views: 2920

Re: Eye glasses - cheaper alternates

I use Costco also. I just looked up Zenni, suggested here. Frames are cheaper. Hard to find info on perscriptions, but it seems they have a stock of refraction points and when you send you Rx they just match it as close as possible to what your Rx is. Not exactly. So your glasses are a compromise. ...
by jhfenton
Sat Apr 06, 2019 8:03 am
Forum: Personal Finance (Not Investing)
Topic: The Best HSA
Replies: 75
Views: 11685

Re: The Best HSA

I am one of those folks whose employer is paying the Optum Bank $1.50/mo fee while I'm in active employment. Optum has the Institutional share class of the Vanguard fund I want, so it aligns with my investment choices. My only requirement is to a $2,000 cash drag + $25 transfer to new custodian fee...
by jhfenton
Sat Apr 06, 2019 7:49 am
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 1963

Re: French movies on Netflix

You may want to look into another streaming service--MHZ International. They don't have movies, just TV shows...mostly mysteries and some dramas. They have shows from many countries, but there is a good selection of shows in French. They are subtitled in English, so I don't know if that is a plus o...
by jhfenton
Fri Apr 05, 2019 2:20 pm
Forum: Personal Investments
Topic: Investments with risk in between bonds and equities
Replies: 11
Views: 548

Re: Investments with risk in between bonds and equities

I concur with nisiprius. Think of it as the risk of your portfolio as a whole, rather than one single fund. To get a portfolio with risk between bonds and equities buy some of each, in any proportion you like, preferably using low-cost index funds. That is certainly all that one needs. To add anyth...
by jhfenton
Fri Apr 05, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Smartphones with Least Bloatware
Replies: 28
Views: 2150

Re: Smartphones with Least Bloatware

quantAndHold wrote:
Fri Apr 05, 2019 1:54 pm
Either Google Pixel or iPhone. The other major brands are all loaded with the stuff.
+1 Those would be my choices. Stock Android or stock iOS with a clean path to upgrades.
by jhfenton
Fri Apr 05, 2019 1:51 pm
Forum: Investing - Theory, News & General
Topic: Why have Stoneridge Reinsurance failed to have "equity like returns"?
Replies: 37
Views: 2628

Re: Why have Stoneridge Reinsurance failed to have "equity like returns"?

I like the concept but IMO Stoneridge is an expensive way to get exposure. +1 Especially since they won't sell their funds to retail investors. I'm not going to pay an advisor just to put me in advisor-only funds. That said, I don't see any evidence that they aren't providing equity-like returns. T...
by jhfenton
Fri Apr 05, 2019 1:20 pm
Forum: Personal Investments
Topic: Investments with risk in between bonds and equities
Replies: 11
Views: 548

Re: Investments with risk in between bonds and equities

Sorry if this is a newb question. Im somewhat new to this. I have my money split in to basically two groups. Money that I could potentially want soonish. I have it in an ally bank account (2.2%) and 1 year cds (2.7%) and other money that i dont want to touch for years. Vanguard roth iras with targe...
by jhfenton
Fri Apr 05, 2019 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: Is it bad to have nothing in taxable when you retire?
Replies: 62
Views: 6594

Re: Is it bad to have nothing in taxable when you retire?

I'd be interested to hear if there are any other negatives? Does it make sense not to max out retirement accounts from now till I retire (say 10 years or so) to build up some taxable accounts? We currently have about 0.6% of our portfolio in taxable, and that proportion is unlikely to increase. (It...
by jhfenton
Fri Apr 05, 2019 9:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans to Launch Commodities Fund
Replies: 140
Views: 10401

Re: Vanguard Announces Plans to Launch Commodities Fund

Am I missing something here? As I understand the OP, this fund is only available to advisors and institutional investors.. It's marketed towards them, but anyone with $50,000 to invest will be able to. +1 Similar to the factor funds Vanguard launched 14 months ago and the active emerging markets bo...
by jhfenton
Thu Apr 04, 2019 8:46 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 1963

Re: French movies on Netflix

You may want to look into another streaming service--MHZ International. They don't have movies, just TV shows...mostly mysteries and some dramas. They have shows from many countries, but there is a good selection of shows in French. They are subtitled in English, so I don't know if that is a plus o...
by jhfenton
Thu Apr 04, 2019 7:51 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 1963

Re: French movies on Netflix

Jeff Albertson wrote:
Thu Apr 04, 2019 7:42 pm
This code (58807) should get you Netflix's French films: http://www.netflix.com/browse/genre/58807
That's a good idea. https://www.netflix.com/browse/genre/107562 is for what they call "Films et séries français"
by jhfenton
Thu Apr 04, 2019 7:48 pm
Forum: Personal Consumer Issues
Topic: French movies on Netflix
Replies: 40
Views: 1963

Re: French movies on Netflix

There is a lot of French content on Netflix, and I've watched quite a bit of it. I enjoyed "La Mante" a French serial killer mini-series. I enjoyed "Au Service de la France", an old-school sitcom about a new recruit to the French diplomatic service in 1960. There are two seasons with 12 episodes eac...
by jhfenton
Thu Apr 04, 2019 7:12 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14899

Re: Would you buy Total World index if it had Admiral Shares

I would be tempted to use Total World if it had an expense ratio of 0.11% - this is the average expense ratio for VTI + VXUS. 2019 Follow up - Have you decided to buy VT at 0.09% or VTWAX at 0.10% !? I haven't. I have stayed true to my original purchases of VTI+VXUS+VNQ+VCN. I am very happy with th...
by jhfenton
Thu Apr 04, 2019 6:44 pm
Forum: Investing - Theory, News & General
Topic: Would you buy Total World index if it had Admiral Shares?
Replies: 86
Views: 14899

Re: Would you buy Total World index if it had Admiral Shares

My question for you is: How low would the expense ratio for Total World index fund have to be to get you to buy it? I would be tempted to use Total World if it had an expense ratio of 0.11% - this is the average expense ratio for VTI + VXUS. 2019 Follow up - Have you decided to buy VT at 0.09% or V...