Search found 2338 matches

by oneleaf
Thu Aug 02, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 5990

Re: Talk to me about Le Creuset

Le Creuset: Really nice stuff but generally not worth the money IMHO. who needs an enameled tea kettle? You are just boiling water. The Dutch ovens are nice and do perform well. But there’s a trade off for everything. If you chip the enamel you are SOL. I see no reason to get an enameled skillet. I...
by oneleaf
Wed Jul 25, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Are socially responsible funds just another marketing ploy?
Replies: 25
Views: 2159

Re: Are socially responsible funds just another marketing ploy?

Nowadays, you can do ESG ETF's with very little premium over non-ESG ETF's. For instance, iShares suite of new products (ESGU, ESGD, ESGE, and ESGL) cover US, Developed ex-US, Emerging, and US Small at reasonable expenses at 0.15%, 0.20%, 0.25%, and 0.17% respectively. Vanguard has a couple new ones...
by oneleaf
Tue Jun 19, 2018 12:39 am
Forum: Personal Finance (Not Investing)
Topic: I was rear ended and the other guy wants a payout!
Replies: 109
Views: 10379

Re: I was rear ended and the other guy wants a payout!

How did you hear that he is now disputing fault and claiming injury? Did you hear from him or his insurance company? Has he actually filed a claim on your liability policy? If it's not too late and you maintain collision coverage, I would seek reimbursement for the repairs under your own collision ...
by oneleaf
Mon Jun 18, 2018 9:46 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2438

Re: Vanguard Brokerage Acct. WHY ?

No, your heirs will have to open new accounts whether they keep the accounts at Vanguard or not. They cannot use the original account number since the title and SSN on their accounts will be different. For a custodian to keep a clean history for each account (which I expect them to do) and to gener...
by oneleaf
Mon Jun 18, 2018 4:44 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 2438

Re: Vanguard Brokerage Acct. WHY ?

Also, be aware that as the MF accounts gradually disappear and VG reps turn over, the knowledge required to service MF accounts will be seriously diffused. The end result is likely to be comparatively poor service for the MF accounts to the extent that the processing platforms remain different. Thi...
by oneleaf
Mon Jun 11, 2018 10:07 pm
Forum: Personal Consumer Issues
Topic: How do you celebrate (potty trained kid) milestone with your spouse?
Replies: 93
Views: 5230

Re: How do you celebrate (potty trained kid) milestone with your spouse?

Everytime your kid uses the toilet is a celebration enough.
by oneleaf
Tue Apr 24, 2018 2:46 am
Forum: Investing - Help with Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 13086

Re: A Rant about Ticker Speak

Posting both full name AND ticker would be great, since tickers are more searchable... always nice for people to be able to search for previous discussions of a fund.
by oneleaf
Thu Apr 19, 2018 12:14 pm
Forum: Investing - Theory, News & General
Topic: vanguard notice - retiring our old investment platform
Replies: 50
Views: 7475

Re: vanguard notice - retiring our old investment platform

The regulatory reason is simple. They need you to answer a couple of questions (are you a Vanguard employee? Are you affiliated with a... yada yada yada) when you do the conversion. That's why they can't do it automatically.
by oneleaf
Wed Apr 11, 2018 10:06 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

Cloudflare has been around, and are one of the most trusted authoritative DNS providers in the world and have been for years ( the recursive DNS offering we are talking about in this thread is new ). oneleaf, I am unsure what you mean by 'new'. MIT Laboratory for Computer Science published the foll...
by oneleaf
Wed Apr 11, 2018 4:37 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

I agree Google or Cloudflare DNS are probably the way to go for most consumers. But if anyone is still concerned about relying on a 3rd party, you can actually resolve all of your queries without a public DNS server if you have the right router. With the default install of pfSense, you get a fantas...
by oneleaf
Wed Apr 11, 2018 4:13 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

I agree Google or Cloudflare DNS are probably the way to go for most consumers. But if anyone is still concerned about relying on a 3rd party, you can actually resolve all of your queries without a public DNS server if you have the right router. With the default install of pfSense, you get a fantast...
by oneleaf
Tue Apr 10, 2018 10:14 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

Cloudflare has been around, and are one of the most trusted authoritative DNS providers in the world and have been for years (the recursive DNS offering we are talking about in this thread is new). Their CDN and free SSL certificates have also been trusted around the world. This new service of their...
by oneleaf
Mon Apr 09, 2018 4:31 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

If you want dns over tls, or dns over https, which windows does not natively support, you need to install a tool to allow that to work. Since Cloudflare allows DNS over TLS, one option is to configure it with the router, and use your router's IP address for DNS from your Windows machines. pfSense c...
by oneleaf
Mon Apr 09, 2018 3:12 am
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8554

Re: New faster DNS - 1.1.1.1 by CloudFlare

+1 on that. DNS is a very common attack vector. I would never put my machines at risk using this “free” service. Remember: if it purports to be free then YOU are the product. The security issue isn’t at all what you are implying. Cloudflare’s new Public DNS is safe and secure to use. It is an alter...
by oneleaf
Tue Apr 03, 2018 11:18 am
Forum: Personal Consumer Issues
Topic: Advice on Car Repair after Accident (Not at Fault)
Replies: 7
Views: 921

Re: Advice on Car Repair after Accident (Not at Fault)

Thanks for the reassurance that going with the insurance recommendation is the way to go. I just wanted to make sure there weren't any pitfalls to watch out for!
by oneleaf
Mon Apr 02, 2018 11:59 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 5628

Re: Microsoft tech support scam - how to recover?

I'm still waiting for someone to call me so I can play along for a while and have a little fun. I did this once. Told him to hold on. Waited 5 minutes. Then told him I finally have the computer on. Then asked him to hold another 5 min. Then pretended to follow his instructions for awhile until fina...
by oneleaf
Mon Apr 02, 2018 11:07 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 5628

Re: Microsoft tech support scam - how to recover?

Is the computer functional? First step I would do is disconnect Internet from it so it is completely offline. Then back up your important files. Be selective, don’t just copy the whole C drive. Then, unfortunately, wipe it and reinstall the OS. How can you reinstall the OS when it came preloaded on...
by oneleaf
Mon Apr 02, 2018 10:41 pm
Forum: Personal Consumer Issues
Topic: Microsoft tech support scam - how to recover?
Replies: 39
Views: 5628

Re: Microsoft tech support scam - how to recover?

Is the computer functional? First step I would do is disconnect Internet from it so it is completely offline. Then back up your important files. Be selective, don’t just copy the whole C drive. Then, unfortunately, wipe it and reinstall the OS.
by oneleaf
Mon Apr 02, 2018 10:19 pm
Forum: Personal Consumer Issues
Topic: Advice on Car Repair after Accident (Not at Fault)
Replies: 7
Views: 921

Re: Advice on Car Repair after Accident (Not at Fault)

I was recently in a similar situation, only it was about a 6 inch dent and some scratches in the fender. I chose to get 2 estimates on my own and then went to the at-fault party insurance adjuster for their estimate. They gave me a choice of repairing the car with their prefered shop, or cut me a c...
by oneleaf
Mon Apr 02, 2018 9:28 pm
Forum: Personal Consumer Issues
Topic: Advice on Car Repair after Accident (Not at Fault)
Replies: 7
Views: 921

Advice on Car Repair after Accident (Not at Fault)

Hello, My wife was in an accident in a parking lot that caused a pretty big dent in the car door. Luckily, the other person's insurance already called back and they accept full responsibility. Basically, we have two choices. One is to use Nationwide's network of repair shops. A quick look shows ther...
by oneleaf
Fri Mar 30, 2018 11:02 am
Forum: Personal Consumer Issues
Topic: Anyone feel like talking "R"
Replies: 50
Views: 13016

Re: Anyone feel like talking "R"

I have also noticed that some packages like dplyr seem to take over some of the functionality of base R. It can be confusing to a person just learning the language when seeing examples of problems that are solved using dplyr or lubridate because then you don't learn the basics of the language. Just...
by oneleaf
Wed Feb 21, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard 1099-R Error - Update
Replies: 21
Views: 3134

Re: Vanguard 1099-R Error - Update

My god, this is a royal messup. I really think the OP needs to escalate this further. No Vanguard client deserves to have an entire tax season hijacked by this error. Sorry to hear you are going through this. I had a botched recharacterization from Vanguard a few years ago that resulted in a couple ...
by oneleaf
Mon Feb 19, 2018 1:35 pm
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2701

Re: Email from IRS this morning- is my information compromised?

Agree you should try to log into the account by typing the website URL directly into the browser (not by clicking on links). The most likely issue is that someone has mistyped their username (e.g. is typing stanl instead of stan1 using my username as an example). Yep, this is the most likely scenar...
by oneleaf
Mon Feb 19, 2018 11:35 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2701

Re: Email from IRS this morning- is my information compromised?

thangngo wrote:
Mon Feb 19, 2018 11:30 am

It's spam. Delete it and move on with your life.

The IRS mail any tax notice or corresponding to your mailing address.
It is not a tax notice. It has to do with the online services account and is possibly legit.
by oneleaf
Mon Feb 19, 2018 11:33 am
Forum: Personal Consumer Issues
Topic: Email from IRS this morning- is my information compromised?
Replies: 21
Views: 2701

Re: Email from IRS this morning- is my information compromised?

People are dismissing it as spam too quickly. Yes, the IRS will never notify you about your taxes via email. But if you have an online services account, then of course they will email you for any blocked attempts. No guarantee it is legit, but unless proven otherwise, it probably is. The standard ru...
by oneleaf
Sat Feb 17, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Unable to grant full agent authorization online [for IRAs]
Replies: 2
Views: 226

Re: Unable to grant full agent authorization online [for IRAs]

It is not an issue, so much as it is policy. Full Agent Authorization requires a form, notarized with two witnesses.
by oneleaf
Fri Feb 16, 2018 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10923

Re: My Over $300K Vanguard Balance Disappeared?

I did not check my Vanguard account for over a week. Wow, I don't know if I check every 8-10 months. I only log in when I want to transact something. Last summer I contributed to an IRA. And last week I logged in to get my 1099's. What is there to do on a weekly basis? Your comment is off the mark....
by oneleaf
Thu Feb 15, 2018 6:10 pm
Forum: Investing - Theory, News & General
Topic: Is Tax-Managed Small Cap (VTMSX) an underrated fund?
Replies: 57
Views: 7198

Is Tax-Managed Small Cap (VTMSX) an underrated fund?

I rarely hear Tax-Managed Small Cap mentioned on this board. Instead, we always hear about the Small-Cap Index Fund or the Small-Cap Value Index Fund. But looking at the Vanguard website, VTMSX has the highest 5-yr and 10-yr annualized return among all small cap funds. A factor regression analysis s...
by oneleaf
Thu Feb 15, 2018 1:04 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10923

Re: My Over $300K Vanguard Balance Disappeared?

If this happened to me it would scare the Bejesus out of me and perhaps cause me to move my Vanguard funds to another provider. I admit that might not be rational but I live in fear of my retirement accounts being stolen by bad actors. I want a custodian with excellent IT services and controls. I a...
by oneleaf
Wed Feb 14, 2018 11:55 pm
Forum: Personal Finance (Not Investing)
Topic: My Over $300K Vanguard Balance Disappeared?
Replies: 62
Views: 10923

Re: My Over $300K Vanguard Balance Disappeared?

Hah, I just checked my account and I have $0 as well. Relax. This is not the first time this has happened. Just a temporary glitch.
by oneleaf
Tue Feb 13, 2018 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo tax and overseas bank accounts
Replies: 10
Views: 1743

Re: Turbo tax and overseas bank accounts

Just wanted to report back. Turbotax Premier Online version does NOT work for this issue (generate Form 1116 for the purposes of overseas bank account in conjunction with FTC of mutual funds). The most inconvenient thing was that the Interview Mode actually acts as if it will do it right. The approp...
by oneleaf
Mon Feb 12, 2018 11:17 pm
Forum: Personal Finance (Not Investing)
Topic: What are the chances of corrected 1099s?
Replies: 19
Views: 1496

Re: What are the chances of corrected 1099s?

Got mine today. However, my cost basis page downloaded from Vanguard and my 1099's cost were off by a whopping $80k. It's the 1st time I notice such a drastic difference. My Vanguard account is about 20 years old, so everything has been with Vanguard for a long time. None was transferred over. I'm ...
by oneleaf
Mon Feb 12, 2018 5:09 pm
Forum: Investing - Help with Personal Investments
Topic: First timer with ETFs through HSA - not sure what to do
Replies: 11
Views: 847

Re: First timer with ETFs - not sure what to do

Did the flashy name Exchange Traded Fund catch your eye? More "Trading" with ETFs? Is this really necessary? The original poster gave a very valid reason to choose ETF's. In his HSA account, ETF's are much cheaper to buy. Nothing flashy about the ETF's he chose. To the OP: The two ETF's you mention...
by oneleaf
Mon Feb 12, 2018 2:26 pm
Forum: Investing - Help with Personal Investments
Topic: ETF SRI Allocation
Replies: 9
Views: 673

Re: ETF SRI Allocation

Image

Here's a comparison of ESG-related metrics between ESGU and NULG. One interesting comparison: the Carbon Intensity for NULG is much lower than ESGU.
by oneleaf
Mon Feb 12, 2018 1:40 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 2279

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

^It seems like a request to Vanguard to fix it is in order. So I called Vanguard to see what was going on here. I guess my memory if failing, because they told me that I did not select SpecID until after the 5 lots had been purchased in 2016, so those 5 lots were going to have to stay as Average Co...
by oneleaf
Mon Feb 12, 2018 11:12 am
Forum: Personal Finance (Not Investing)
Topic: VG Mutual Fund Basis
Replies: 2
Views: 284

Re: VG Mutual Fund Basis

Covered and noncovered shares are treated as separate accounts, even if you use average cost. Yes, change to SpecID and you will be good to go to harvest losses on the covered shares.
by oneleaf
Sun Feb 11, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: ETF SRI Allocation
Replies: 9
Views: 673

Re: ETF SRI Allocation

I have been following ESGU (iShares ESG Optimized US ETF) and the trading volume is pretty low. But assets under management, if I saw correctly, actually seemed to double in the past week. A quick look in the news, and it looks like ESGU had a net inflow of $28M on Tuesday, which more than doubled t...
by oneleaf
Sun Feb 11, 2018 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: ETF SRI Allocation
Replies: 9
Views: 673

Re: ETF SRI Allocation

Nushares are interesting, but assets are a little low and ER’s still a little high for my tastes. Have you looked at iShares’ new set of ESG optimized ETF’s? ESGU can be used for your US Large Growth, ER 0.15% ESGD can be used for developed markets ex-US, ER 0.20% ESGE can be used for emerging marke...
by oneleaf
Sun Feb 11, 2018 12:38 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 2279

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

livesoft wrote:
Sun Feb 11, 2018 12:21 pm
^How would one know if that is truly the situation? We would need someone to report a bona fide real-life example I suppose.
Many Bogleheads have confirmed this over the years. Covered and non-covered accounts are treated as separate accounts for cost basis reporting.
by oneleaf
Sun Feb 11, 2018 12:16 pm
Forum: Investing - Help with Personal Investments
Topic: Average Cost to SpecID questions: Did Vanguard do this correctly?
Replies: 52
Views: 2279

Re: Average Cost to SpecID questions: Did Vanguard do this correctly?

A good reason for clients with uncovered shares to switch from Average Cost to Spec ID is that the uncovered shares get a locked-in cost basis that will not change going forward. And that cost basis per share will be the same cost basis per share used by the covered shares up to the point of the Da...
by oneleaf
Sun Feb 11, 2018 12:08 pm
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 53
Views: 6988

Re: Just how safe is a short-term corporate bond fund?

A person can only tolerate so much risk. Even if the risk of short-term corporates is minor, it is a small amount of risk that is no different than equity risk. As such, you should not do an even trade of FDIC-savings to corporate bonds, or treasuries to corporate bonds. You cannot look at the extra...
by oneleaf
Thu Feb 08, 2018 5:41 pm
Forum: Investing - Help with Personal Investments
Topic: Help with a partial wash sale determination in Vanguard account
Replies: 9
Views: 485

Re: Help with a partial wash sale determination in Vanguard account

I am going to say that your net realized loss for the two purchases of VTSAX is intact and not disallowed through all the accounting. That is, if the loss was disallowed in one place, then it was put back in and allowed in another place. Right? I expect this too. You might have triggered a wash sal...
by oneleaf
Thu Feb 08, 2018 11:55 am
Forum: Investing - Theory, News & General
Topic: ETF's and AUM growth rate
Replies: 4
Views: 490

Re: ETF's and AUM growth rate

Those are interesting numbers, regarding the smaller providers. I suppose there are no good guidelines that apply to all firms.

I think, most recently, the most Boglehead approved ETFs that closed were the iShares enhanced ETF’s and possibly the iShares Target Retirement.
by oneleaf
Thu Feb 08, 2018 3:02 am
Forum: Investing - Theory, News & General
Topic: ETF's and AUM growth rate
Replies: 4
Views: 490

ETF's and AUM growth rate

When it comes to Net Assets for an ETF, we know that we generally want AUM to be in the hundreds of millions before they are viable choices, especially in a taxable account. However, I am curious if anyone has kept track of how ETF's assets should be expected to grow in the first year, to gain clues...
by oneleaf
Wed Feb 07, 2018 5:40 pm
Forum: Personal Finance (Not Investing)
Topic: Replacement for Google Finance price quote function
Replies: 81
Views: 13420

Re: Replacement for Google Finance price quote function

This is great. I have had issues with the slow GoogleFinance update.
by oneleaf
Tue Feb 06, 2018 1:24 am
Forum: Investing - Theory, News & General
Topic: changing from a Vanguard mutual fund account to a Vanguard brokerage account
Replies: 16
Views: 1509

Re: changing from a Vanguard mutual fund account to a Vanguard brokerage account

The upgrade went fine for all 8 accounts I have control over. I vastly prefer the combined/upgraded account. The consolidated tax reporting is a big plus.
by oneleaf
Tue Feb 06, 2018 1:23 am
Forum: Investing - Theory, News & General
Topic: changing from a Vanguard mutual fund account to a Vanguard brokerage account
Replies: 16
Views: 1509

Re: changing from a Vanguard mutual fund account to a Vanguard brokerage account

livesoft wrote:
Mon Feb 05, 2018 8:13 pm
My spouse stopped the process when the online sequence of requests got too personal. She didn't want to tell Vanguard any more about her than they already knew.
Haha, it’s just 3 questions, but I suppose “Are you married to a Vanguard employee?” can seem kinda personal.
by oneleaf
Thu Feb 01, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: Help me understand Vanguard Intermediate-Term Treasury's SEC yield
Replies: 9
Views: 938

Re: Help me understand Vanguard Intermediate-Term Treasury's SEC yield

I've generally used the Bloomberg Rates and Bonds website to determine whether to buy treasuries or CD's, since I figure SEC yield will always be delayed a bit. At the moment, I am pretty happy that treasuries are a pretty good buy, at least for me living in OR (due to the state tax exemption). I al...
by oneleaf
Thu Feb 01, 2018 4:24 pm
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax Newbie
Replies: 17
Views: 1973

Re: Turbo Tax Newbie

TT asks a lot of questions to guide you. Your 1099-R when entered will undoubtedly prompt TT to ask you if you converted an IRA and will walk you through. It’s very easy.
by oneleaf
Wed Jan 31, 2018 1:20 pm
Forum: Investing - Theory, News & General
Topic: looking for positive experiences transferring to Vanguard
Replies: 39
Views: 2800

Re: looking for positive experiences transferring to Vanguard

I have transferred 5 IRA's for my parents, 3 for myself, and 2 for my wife. All went without a hitch. This was about 10 years ago.