Search found 4200 matches

by jhfenton
Thu Nov 21, 2019 11:09 am
Forum: Investing - Theory, News & General
Topic: DFA adds another factor to its investment process
Replies: 5
Views: 679

Re: DFA adds another factor to its investment process

I didn't see anything in the article about DFA cutting their expense ratios in half, so I guess they'll just let the competition move into the spare bedroom. I agree. With no direct exposure to retail competition, they've been sitting out the fee wars to the point that in many cases they are now es...
by jhfenton
Thu Nov 21, 2019 11:00 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 41
Views: 2132

Re: Schwab acquiring TD Ameritrade

student wrote:
Thu Nov 21, 2019 10:59 am
I don't think that is the case. I believe TD bought Waterhouse to become TD Waterhouse, and Ameritrade bought Datek. Then TD Waterhoue and Ameritrade merged to become TDAmeritrade. See https://www.amtd.com/about-us/our-history/ 2002 and 2006.
Correct. :beer
by jhfenton
Thu Nov 21, 2019 10:58 am
Forum: Investing - Theory, News & General
Topic: Schwab acquiring TD Ameritrade
Replies: 41
Views: 2132

Re: Schwab acquiring TD Ameritrade

Been there as well, you forgot one acquisition in the middle. It went from Waterhouse to Datek Online to Ameritrade. Waterhouse to Datek was a big, positive change, as it brought an old, non-competitive player into the online world with better, faster interface and much lower online commissions. Am...
by jhfenton
Wed Nov 20, 2019 2:37 pm
Forum: Personal Investments
Topic: Vanguard Brokerage - order placed without enough funds
Replies: 27
Views: 2146

Re: Vanguard Brokerage - order placed without enough funds

If this happens again, you might be ok if you sell on the same day that you bought. Many times, I have sold stock or ETF shares, and then used the unsettled proceeds to purchase a different ETF. In recent years, this hasn't been a problem with any broker I use. (Years ago, some brokers did not allo...
by jhfenton
Tue Nov 19, 2019 2:24 pm
Forum: Personal Investments
Topic: HSA - Can I get a better return?
Replies: 18
Views: 1243

Re: HSA - Can I get a better return?

The fact that you cite an $8,000 contribution amount makes me worry that this is not an HSA you're talking about. The limits for an HSA in 2020 are going to be $3550 for an individual, $7100 for a family. Are you sure you're not talking about an FSA? totally different animal. The OP might be 55, in...
by jhfenton
Tue Nov 19, 2019 9:09 am
Forum: Personal Investments
Topic: Any downside to exchanging Vanguard funds regularly?
Replies: 5
Views: 715

Re: Any downside to exchanging Vanguard funds regularly?

There are no issues with your plan. I'd probably do the same thing if I suddenly had a duplicate of an existing outside investment option added to my 401(k). If your 401(k) contributions are always invested on a predictable day, then you can perfectly match up the IRA sale with the 401(k) buy. I wou...
by jhfenton
Mon Nov 18, 2019 4:09 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 1973

Re: Not a bad choice for your EM equity exposure (EYLD)

AVEM seems to be performing well, since its inception in September. It would never occur to me to check 2-month performance. I'm withholding judgment. The initial portfolio characteristics seem OK, modestly better on most measures than the standard MSCI or FTSE index portfolios. But overall, it see...
by jhfenton
Mon Nov 18, 2019 3:49 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Data - Vanguard S&P 500 Index Fund
Replies: 3
Views: 532

Re: Morningstar Data - Vanguard S&P 500 Index Fund

The Russell 1000 is M*'s standard index for the entire large blend category. The performance comparison is not telling you how well a fund tracks its index; it's telling you how a fund compares against the broad index representing the category. And the Russell 1000 more completely represents "large...
by jhfenton
Mon Nov 18, 2019 1:11 pm
Forum: Investing - Theory, News & General
Topic: Morningstar Data - Vanguard S&P 500 Index Fund
Replies: 3
Views: 532

Re: Morningstar Data - Vanguard S&P 500 Index Fund

The Russell 1000 is M*'s standard index for the entire large blend category. The performance comparison is not telling you how well a fund tracks its index; it's telling you how a fund compares against the broad index representing the category. And the Russell 1000 more completely represents "large ...
by jhfenton
Mon Nov 18, 2019 8:58 am
Forum: Non-US Investing
Topic: Why aren't accumulating S&P500 ETFs higher?
Replies: 2
Views: 546

Re: Why aren't accumulating S&P500 ETFs higher?

If you graph a price chart, the NAV of the accumulating S&P 500 ETFs will indeed grow faster. But growth charts (e.g. growth of $10K) assume that dividends on non-accumulating funds are reinvested. With dividends reinvested, you won't and shouldn't see a performance difference. 1 share at $100 repre...
by jhfenton
Sun Nov 17, 2019 7:18 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 1973

Re: Not a bad choice for your EM equity exposure (EYLD)

I have no Problem with Meb and as above invest in this fund. I’m just amazed how well these threads travel... +1 The Internet is a very public place. It's easy to forget that in what feels like a tiny corner of it. I do make sure never to post anything I wouldn't want attached to my name, which it ...
by jhfenton
Sun Nov 17, 2019 11:19 am
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 1973

Re: Not a bad choice for your EM equity exposure (EYLD)

For my international exposure I use: Vanguard International Growth Fund Admiral Shares (VWILX) iShares Edge MSCI Multifactor Intl Small-Cap ETF (ISCF) Vanguard FTSE Emerging Markets ETF (VWO) I don’t know yet how to open room for EYLD. Cheers :greedy For ex-US (50% of equities), I use VSS/Vanguard ...
by jhfenton
Sun Nov 17, 2019 10:19 am
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 5463

Re: Wheres best place park emergency funds these days?

I view our emergency funds in a hierarchy: 1. credit union checking 2a. credit union savings (a required account, it pays 3% on $500, so we keep $500 in it) 2b. high yield savings 3. VOHIX/Vanguard Ohio Long-Term Tax-Exempt in brokerage 4a. reimbursable amounts held in HSA 4b. taxable equity invest...
by jhfenton
Fri Nov 15, 2019 8:33 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 49
Views: 5551

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

I looked and hadn't seen any discussion of the impending expense changes for Vanguard's Sector Bond Index Funds*. Per the August 31, 2019 annual report released last month (PDF) , the ETFs for the bond index funds are likely going to have ERs of 3 bp vs 7 bp for the Admiral Shares (and 5 bp for the ...
by jhfenton
Fri Nov 15, 2019 7:42 pm
Forum: Investing - Theory, News & General
Topic: Wheres best place park emergency funds these days?
Replies: 47
Views: 5463

Re: Wheres best place park emergency funds these days?

I view our emergency funds in a hierarchy: 1. credit union checking 2a. credit union savings (a required account, it pays 3% on $500, so we keep $500 in it) 2b. high yield savings 3. VOHIX/Vanguard Ohio Long-Term Tax-Exempt in brokerage 4a. reimbursable amounts held in HSA 4b. taxable equity investm...
by jhfenton
Fri Nov 15, 2019 7:19 pm
Forum: Personal Finance (Not Investing)
Topic: Moonlighting - get paid as 1099 vs single member LLC?
Replies: 22
Views: 1556

Re: Moonlighting - get paid as 1099 vs single member LLC?

For tax purposes, your single member LLC won't change anything except the name and EIN you put on your Schedule C. It will be disregarded entity for federal income tax purposes, and it won't matter how many profits you distribute to yourself. But I would set up the LLC for liability purposes and eas...
by jhfenton
Fri Nov 15, 2019 4:02 pm
Forum: Personal Investments
Topic: Cancelling M* Premium
Replies: 13
Views: 1173

Re: Cancelling M* Premium

Looks like it's now possible to cancel your M* premium on line rather than with a phone call. Has anyone cancelled this way? Also wondering if cancelling premium will delete all my portfolio data. I'll assume it does and ask folks here if there's a way to DL the data and then re upload into the new...
by jhfenton
Fri Nov 15, 2019 3:18 pm
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 1973

Re: Not a bad choice for your EM equity exposure (EYLD)

I gu I've done some research into active funds in emerging markets and didn't find anything compelling. This fund has done very well, who knows going forward. I guess we're the only fans. :beer As I said, I think the expense ratio should be cut in half. But if you compare it to EM small cap funds, i...
by jhfenton
Fri Nov 15, 2019 12:45 pm
Forum: Personal Investments
Topic: Charles Schwab or Fidelity?
Replies: 46
Views: 3479

Re: Charles Schwab or Fidelity?

I would look at all of the fees that could be imposed over the life-cycle of the solo 401(k). What are their fees for distributions, transfers, account closures, etc.? I have no idea what those are for Fidelity and Schwab solo 401(k) accounts. For an ordinary IRA or taxable brokerage account, I woul...
by jhfenton
Thu Nov 14, 2019 8:42 am
Forum: Personal Investments
Topic: Loss harvesting between gold ETFs
Replies: 5
Views: 308

Re: Loss harvesting between gold ETFs

There's no clear answer on whether competing ETFs or mutual funds can be substantially identical for wash sale purposes. (Is an ETF holding gold custodied in Australia substantially identical to an ETF holding gold custodied in Switzerland? No one really knows.) I normally wouldn't touch an ETN, but...
by jhfenton
Thu Nov 14, 2019 8:32 am
Forum: Investing - Theory, News & General
Topic: Not a bad choice for your EM equity exposure (EYLD)
Replies: 26
Views: 1973

Re: Not a bad choice for your EM equity exposure (EYLD)

I agree. I wish the ER were a bit lower, but I like the methodology and characteristics of the portfolio. It avoids the dilution problem rampant in emerging markets, and it tilts small (3.51 B median market cap according to M*) and value (8.93 M* PE, 8.71 on the more conservative ETF.com PE). (In ad...
by jhfenton
Tue Nov 12, 2019 1:38 pm
Forum: Personal Investments
Topic: Vanguard Index Funds vs Fidelity Managed Assets Program
Replies: 11
Views: 1138

Re: Vanguard Index Funds vs Fidelity Managed Assets Program

I agree with mervinj. Moving everything to Fidelity is fine. But the FMAP specifically is a ripoff. TLHing is great, but the value of it is consistently oversold. Cyclical rebalancing and risk adjustment are either useless market-timing or buzzwords for something that you can do for free or a roboad...
by jhfenton
Tue Nov 12, 2019 1:29 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax 2019 is Available on Amazon
Replies: 7
Views: 383

Re: H&R Block Tax 2019 is Available on Amazon

RubyTuesday wrote:
Tue Nov 12, 2019 1:23 pm
jhfenton wrote:
Tue Nov 12, 2019 1:16 pm
Thanks. I set the Deluxe+State up for a price drop alert.
What service do you use for amazon price alert if I may ask?
I still use camelcamelcamel.com. I hate the name, but the service works. There are probably others at this point.
by jhfenton
Tue Nov 12, 2019 1:16 pm
Forum: Personal Finance (Not Investing)
Topic: H&R Block Tax 2019 is Available on Amazon
Replies: 7
Views: 383

Re: H&R Block Tax 2019 is Available on Amazon

Thanks. I set the Deluxe+State up for a price drop alert.
by jhfenton
Tue Nov 12, 2019 1:05 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3400

Re: Why is VBTLX dropping?

And you should be holding VBLAX, not VBTLX. Or VWETX. That's a completely different fund, rather than Admiral versus Investor. So is VBLAX, the Vanguard Long-Term Bond Index Fund Admiral Shares. VBTLX is the Vanguard Total Bond Market Index Fund Admiral Shares. Whoops! I read the original post as V...
by jhfenton
Tue Nov 12, 2019 8:41 am
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3400

Re: Why is VBTLX dropping?

rkhusky wrote:
Tue Nov 12, 2019 8:08 am
rossington wrote:
Tue Nov 12, 2019 3:17 am
rkhusky wrote:
Sun Nov 10, 2019 5:46 pm
And you should be holding VBLAX, not VBTLX.
Or VWETX.
That's a completely different fund, rather than Admiral versus Investor.
So is VBLAX, the Vanguard Long-Term Bond Index Fund Admiral Shares.

VBTLX is the Vanguard Total Bond Market Index Fund Admiral Shares.
by jhfenton
Mon Nov 11, 2019 8:37 pm
Forum: Investing - Theory, News & General
Topic: Schwab to allow fractional stock trading (WSJ)
Replies: 37
Views: 4604

Re: Schwab to allow fractional stock trading (WSJ)

Per an article on ETF.com , Schwab's plan to allow fractional stock trading does not include ETFs, only individual stocks: When ETF.com reached out to Schwab for comment, company spokesperson Erin Montgomery said in an email that while fractional stock trading should debut sometime in 2020, the comp...
by jhfenton
Fri Nov 08, 2019 4:08 pm
Forum: Investing - Theory, News & General
Topic: Vgd alt strategies fund (vasfx) open to retail investors?
Replies: 61
Views: 5954

Re: Vgd alt strategies fund (vasfx) open to retail investors?

At the moment, it does appear to be closed. I wasn't going to go through with the trade, but I just tried to exchange >$50K into VASFX, and was blocked with a message that the fund is closed.
by jhfenton
Thu Nov 07, 2019 8:43 pm
Forum: Personal Investments
Topic: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??
Replies: 15
Views: 1496

Re: Is there any vanguard fund similar to Target Retirement NOT so intl heavy??

Feel free to chime in one why you think such a large international component is wiser. You're performance chasing. It is the all-time most popular investment mistake. Disclaimer: I've never understood the performance-chasing urge at all. In 98 and 99, I went heavy into small-cap value and emerging ...
by jhfenton
Thu Nov 07, 2019 8:34 pm
Forum: Personal Investments
Topic: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?
Replies: 12
Views: 830

Re: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?

An employer will not allow you to contribute above your plans limits. Meaning if you have a single HSA your limit thru the employer will be the single limit. Nothing stops you from opening your own HSA. I suspect that is generally the case, but I know of at least one large employer who allowed an e...
by jhfenton
Thu Nov 07, 2019 7:32 pm
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34876

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

There is one volume based gotcha with NTSX @ Vanguard. Vanguard requires some minimum trade volume to make securities eligible for DRIP, and NTSX falls under this threshold - so dividends can not be automatically re-invested. My understanding from talking to a customer service rep is that it's some...
by jhfenton
Thu Nov 07, 2019 7:20 pm
Forum: Investing - Theory, News & General
Topic: Why is VBTLX dropping?
Replies: 16
Views: 3400

Re: Why is VBTLX dropping?

Tenesmus83 wrote:
Thu Nov 07, 2019 6:32 pm
I thought as interest rate drops, NAV of bond funds go up?
It has for most of the year. And more recently, the reverse has been true.
by jhfenton
Thu Nov 07, 2019 1:06 pm
Forum: Personal Investments
Topic: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?
Replies: 12
Views: 830

Re: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?

An employer must limit HSA contributions by salary reduction to the HDHP plan coverage provided by their group insurance plan. If the spouse's have different employer's, HSA salary reduction contributions are limited to that spouse's HDHP coverage. Are you saying that if I have Self-Only HDHP cover...
by jhfenton
Thu Nov 07, 2019 11:23 am
Forum: Investing - Theory, News & General
Topic: (NEW) WisdomTree 90/60 U.S. Balanced Fund
Replies: 325
Views: 34876

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

Because that's how ETFs work.... the volume you actually see isn't what's really going on. If the underlying securities are liquid, it is very simple for the market maker to assemble them and keep the price very close to the underlying NAV. +1 "Implied liquidity" is what ultimately matters for your...
by jhfenton
Thu Nov 07, 2019 11:04 am
Forum: Personal Investments
Topic: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?
Replies: 12
Views: 830

Re: MFJ - 2 HSAs - can 1 HSA receive the full family contribution?

An employer must limit HSA contributions by salary reduction to the HDHP plan coverage provided by their group insurance plan. If the spouse's have different employer's, HSA salary reduction contributions are limited to that spouse's HDHP coverage. Are you saying that if I have Self-Only HDHP cover...
by jhfenton
Wed Nov 06, 2019 1:24 pm
Forum: Investing - Theory, News & General
Topic: [NEW] Momentum Fund: Newfound/ReSolve Robust Momentum ETF
Replies: 4
Views: 431

Re: [NEW] Momentum Fund: Newfound/ReSolve Robust Momentum ETF

I like the ReSolve guys, but that's way too expensive. They're going to have acquired fund fees of 0.04% to 0.15%, depending on the current asset mix, so they're charging 74 to 83 bp in order to rebalance among maybe 8 other ETFs based on momentum and trend-following signals. I've seen evidence that...
by jhfenton
Mon Nov 04, 2019 1:16 pm
Forum: Personal Consumer Issues
Topic: Wallets [Do you carry a wallet?]
Replies: 102
Views: 8244

Re: Wallets

Instead, I've opted for a slim, metal wallet with money clip (similar to a Ridge wallet) that won't allow for bending of cards in my back pocket like some of the other slim wallets do. I have a Ridge wallet. It's actually my second. I bought the first one way back when they got started on Kickstart...
by jhfenton
Mon Nov 04, 2019 10:26 am
Forum: Personal Investments
Topic: VSS Vanguard All-Wld ex-US Small Cap ETF is 15% US. What gives?
Replies: 10
Views: 883

Re: VSS Vanguard All-Wld ex-US Small Cap ETF is 15% US. What gives?

It seems like an interesting small cap blend fund with low costs. Are there better/cheaper alternatives? Perhaps an all world small cap blend? There is no all-world small cap index fund. There is not even another all-world ex-US small cap index fund. SCHC/Schwab International Small-Cap Equity is th...
by jhfenton
Fri Nov 01, 2019 1:04 pm
Forum: Personal Investments
Topic: Options to Lively for HSA
Replies: 5
Views: 457

Re: Options to Lively for HSA

SPEM/SPDR Emerging Markets has performed in line with Vanguard's VWO. I suspect the others have also performed in line with Vanguard's and iShares comparable funds. All of the SPDR Core Portfolio ETFs are solid choices.
by jhfenton
Fri Nov 01, 2019 8:49 am
Forum: Investing - Theory, News & General
Topic: 50 Year US Treasury Bond - who is taker?
Replies: 29
Views: 2681

Re: 50 Year US Treasury Bond - who is taker?

If they sell 50-year Treasuries, they're going to wind up with a ton of different issuances that are substantially identical but not interchangeable and tradable. They should sell perpetuals instead. If they didn't want to issue perpetuals, they could limit new issuances to every 5 years, with reop...
by jhfenton
Thu Oct 31, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: New ETFs - How long to wait?
Replies: 8
Views: 835

Re: New ETFs - How long to wait?

I'm not arguing "buy and hold" one way or the other. Jhfenton made the point that for a buy and hold investment any possible "extra" cost for buying a new low volume ETF is not much of a consideration and I agree. But if I am planning to buy a new yacht next spring then I might not want to buy a lo...
by jhfenton
Thu Oct 31, 2019 12:51 pm
Forum: Investing - Theory, News & General
Topic: New ETFs - How long to wait?
Replies: 8
Views: 835

Re: New ETFs - How long to wait?

If it's a new core product from one of the top issuers (Vanguard, iShares, Schwab, S&P), I'd be willing to buy on Day 2. There's essentially zero closure risk. Spreads will be reasonable even on low volume, because the top issuers will have solid market makers lined up. As an extreme example, Vangua...
by jhfenton
Wed Oct 30, 2019 7:42 am
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3078

Re: VPNs

That's about copyright. Digital copyright is still done nation by nation (I don't think the EU is one copyright bloc, but I could be wrong). Kindle books fall, I imagine, under author copyright. US author copyright has been extended by Congress by something like 70 years post the author's death, an...
by jhfenton
Tue Oct 29, 2019 12:15 pm
Forum: Personal Consumer Issues
Topic: VPNs
Replies: 32
Views: 3078

Re: VPNs

I use ProtonVPN. They had a special last fall in conjunction with their ProtonMail service, which I already used, so I purchased a two-year subscription at a sizable discount. The service is reliable. They have friendly clients available for most mobile and desktop platforms. (There is no Linux clie...
by jhfenton
Tue Oct 29, 2019 8:50 am
Forum: Personal Investments
Topic: 2020 HSA claims must be made by April 2021?
Replies: 6
Views: 728

Re: 2020 HSA claims must be made by April 2021?

That sounds like an FSA deadline. +1 There is no HSA deadline for reimbursement of expenses. Actually, there is an HSA deadline, one year after the death of the last person who can be reimbursed for qualified expenses assuming this is correct: https://www.benstrat.com/downloads/HSA-GPS_HSAs-and-Est...
by jhfenton
Tue Oct 29, 2019 8:43 am
Forum: Personal Investments
Topic: [Employer Retirement Plan Change]
Replies: 49
Views: 4735

Re: No more Vanguard... wow

Meh, I would not worry too much about it. Fidelity has excellent funds too, equivalent to Vanguard's. +1 Odds are that you will still have equally attractive options. The only Vanguard funds that do not have Fidelity equivalents at similar expense ratio are the W funds (Wellington / Wellesley). Out...
by jhfenton
Mon Oct 28, 2019 7:11 pm
Forum: Personal Investments
Topic: 2020 HSA claims must be made by April 2021?
Replies: 6
Views: 728

Re: 2020 HSA claims must be made by April 2021?

tadamsmar wrote:
Mon Oct 28, 2019 3:48 pm
That sounds like an FSA deadline.
+1 There is no HSA deadline for reimbursement of expenses.
by jhfenton
Mon Oct 28, 2019 7:06 pm
Forum: Personal Consumer Issues
Topic: Vanguard Web Site Interface
Replies: 15
Views: 1277

Re: Vanguard Web Site Interface

There seems to be a glitch in the website this evening. I can't see the top menu bar either in Safari. It flashes red for a split second and then vanishes. I initially had the same experience in Brave/Chrome, but then it started working. It's still not working in Safari. Edited: And now it's not wor...
by jhfenton
Sat Oct 26, 2019 6:21 pm
Forum: Investing - Theory, News & General
Topic: Ex DFA CIO launches competitor which will also have ETFs
Replies: 157
Views: 16625

Re: Ex DFA CIO launches competitor which will also have ETFs

whodidntante wrote:
Sat Oct 26, 2019 5:04 pm
It looks like AVEM attracted a big investment on Friday. Net flows were +74M on Friday.
AVUV also had +30M.
AVDV +19M

Someone likey.
Yep. Someone threw in a lot of money. AVDE also pulled in a chunk. It is at $92.2 MM in assets.
by jhfenton
Fri Oct 25, 2019 11:51 am
Forum: Personal Finance (Not Investing)
Topic: TaxAct Discounts for 2019 version
Replies: 27
Views: 1918

Re: TaxAct Discounts for 2019 version

I had used TaxAct for several years too, but I switched away last year to H&R Block software when I saw the TaxAct price increase. Looking in my email receipts, I paid $18.00 on Amazon on Black Friday for H&R Block Deluxe. I believe I saw a discussion about it on here, in fact. Edited: Yep. https://...