Search found 2372 matches

by oneleaf
Sun Mar 03, 2019 7:33 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50651

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts

I agree with Bill Bernstein. I'm afraid I'll have to move much of our finances to Fidelity for cash-management services. A couple of family member may do so as well. The WSJ article notes that only 1% of eligible people at Vanguard (those with more than $500k) took advantage of the service, but thi...
by oneleaf
Thu Feb 28, 2019 10:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50651

Re: Discontinuing VanguardAdvantage Accounts

Sheesh, I just got my checkbook and moved my credit card payments over. What a waste of time! I was just wondering how long it would take for you to find out about this! I feel bad for you (and me) because I really pushed the Advantage account when you were looking into it. It really provided every...
by oneleaf
Thu Feb 28, 2019 3:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 613
Views: 50651

Re: Discontinuing VanguardAdvantage Accounts

Sheesh, I just got my checkbook and moved my credit card payments over. What a waste of time!
by oneleaf
Sun Feb 24, 2019 2:25 am
Forum: Personal Finance (Not Investing)
Topic: Any Experience with VanguardAdvantage Direct Deposit?
Replies: 8
Views: 1050

Re: Any Experience with VanguardAdvantage Direct Deposit?

I've used both methods. My SS and my pension were setup with my flagship rep. As I recall I was issued unique numbers for each direct deposit source, different than the routing and account numbers on my checks. I used those at the SS site and a different set on my pension form. This sounds similar ...
by oneleaf
Sat Feb 23, 2019 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experience with VanguardAdvantage Direct Deposit?
Replies: 8
Views: 1050

Re: Any Experience with VanguardAdvantage Direct Deposit?

I use the ABA/Acc numbers from the VA check book for all ACH purposes. No issues at all. Any incoming money automatically goes into the settlement fund (Federal MMF). Any externally initiated pull will automatically debit the settlement fund. PS. I did NOT use the Direct Deposit link you referenced...
by oneleaf
Sat Feb 23, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Any Experience with VanguardAdvantage Direct Deposit?
Replies: 8
Views: 1050

Any Experience with VanguardAdvantage Direct Deposit?

So I finally got my VanguardAdvantage checkbook today, and excited to start using it to pay credit card bills and receive my paycheck direct deposits. So, I am a bit confused about Direct Deposit. In the Account Maintenance area on Vanguard's website, there is a section to set up direct deposit wher...
by oneleaf
Tue Feb 19, 2019 4:44 pm
Forum: Personal Investments
Topic: Oregon 529 vs. Vanguard 529
Replies: 15
Views: 1175

Re: Oregon 529 vs. Vanguard 529

What's the cost difference between the Oregon 529 and the Nevada 529 you are comparing against? It should be easy enough to read through both document sets and figure this out. My guess is the tax advantages of using your state plan will outweigh any difference in cost - but if the cost difference ...
by oneleaf
Mon Feb 18, 2019 11:04 am
Forum: Personal Investments
Topic: Oregon 529 vs. Vanguard 529
Replies: 15
Views: 1175

Re: Oregon 529 vs. Vanguard 529

Remember that the state tax deduction is only one time on the contribution. You can pay the expense ratio on the funds for up to 18 or 20 times depending on the age of the child when you begin the 529 And when the child is 18 you will be paying a higher ER on $25,000 portfolios because you got a fe...
by oneleaf
Sun Feb 17, 2019 11:31 pm
Forum: Personal Investments
Topic: Oregon 529 vs. Vanguard 529
Replies: 15
Views: 1175

Re: Oregon 529 vs. Vanguard 529

I live in Oregon. Should I open an Oregon 529 or a Vanguard 529 for my kiddo? I’d like to keep all accounts at Vanguard, but think there may be an advantage to going with my state’s offering. Oregon has a 9% state income tax. Would contributions to a Vanguard 529 be deductible from it? Or just the ...
by oneleaf
Thu Feb 07, 2019 11:27 pm
Forum: Personal Investments
Topic: VSFVX Admiral Shares
Replies: 13
Views: 2371

Re: VSFVX Admiral Shares

VFSAX (Vanguard FTSE All-World ex-US Small-Cap Index Fund Admiral Shares) is available now. The only way I saw to convert it is to find a way to trigger your online session into the old layout. I usually do this by doing this: - Click Activity - Scroll down to one of the accounts and select "See His...
by oneleaf
Wed Feb 06, 2019 11:03 pm
Forum: Personal Finance (Not Investing)
Topic: Competitor to Ally? intrx.net offering 2.91%
Replies: 13
Views: 2020

Re: Competitor to Ally? intrx.net offering 2.91%

Sounds BS, their site says FDIC insured upto $100 million. Last time I checked, max limit was $250k From their FAQ: Yes! We allocate your money to several accounts at different banks. FDIC insurance applies to each account up to $250,000. This is not new but only known to a select few. Family offic...
by oneleaf
Sat Feb 02, 2019 12:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Tax 2018 Forms Now Online
Replies: 65
Views: 4736

Re: Vanguard Tax 2018 Forms Now Online

Does the consolidated forms include the div from Vanguard? I made the stupid switch during the year and got a div statement from Vanguard in early Jan. Then on 1/27 the consolidated form appeared at I was in shock. So, I only report what's on the consolidated form and not add both forms Vanguard an...
by oneleaf
Fri Feb 01, 2019 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard sold different lots than what I selected
Replies: 11
Views: 736

Re: Vanguard sold different lots than what I selected

They were able to correct the lots and now I will be issued new 1099 with corrected information. I know we shouldn't have to do this, but I am now in the habit of taking a screenshot of the screen right before I hit submit. And then taking another screenshot after I hit submit. In both cases, there...
by oneleaf
Fri Feb 01, 2019 5:58 pm
Forum: Personal Investments
Topic: Question about Vanguard Advantage Checking
Replies: 9
Views: 1125

Re: Question about Vanguard Advantage Checking

I think I'll bite the bullet. Thanks for all the info! The form/kit looked daunting at first but I just realized that the actual form is only 3 pages long! One last question I forgot to ask: how are the options for alerts/emails? I would want it to email me every time there is activity on the accou...
by oneleaf
Fri Feb 01, 2019 4:16 pm
Forum: Personal Investments
Topic: Question about Vanguard Advantage Checking
Replies: 9
Views: 1125

Re: Question about Vanguard Advantage Checking

I think I'll bite the bullet. Thanks for all the info! The form/kit looked daunting at first but I just realized that the actual form is only 3 pages long! One last question I forgot to ask: how are the options for alerts/emails? I would want it to email me every time there is activity on the accoun...
by oneleaf
Fri Feb 01, 2019 2:06 am
Forum: Personal Investments
Topic: Question about Vanguard Advantage Checking
Replies: 9
Views: 1125

Re: Question about Vanguard Advantage Checking

Thanks guys. It's enticing. I will likely forgo the debit card, as I would really just want this to be used for the largest transactions. If I can move my big ticket banking to Vanguard, I believe I will earn a lot of extra interest over the long run. I would only then need to keep less than $1K in ...
by oneleaf
Thu Jan 31, 2019 11:16 pm
Forum: Personal Finance (Not Investing)
Topic: Best US credit card for expat in Asia
Replies: 4
Views: 526

Re: Best US credit card for expat in Asia

Moving to Asia in about a month for a few years, will return to the US after. We will have a local bank account and credit card but since I have the option to take my compensation in USD and local currency, I’m generally trying to minimize how much local currency I keep. I plan on trying to achieve...
by oneleaf
Thu Jan 31, 2019 8:19 pm
Forum: Personal Investments
Topic: Question about Vanguard Advantage Checking
Replies: 9
Views: 1125

Question about Vanguard Advantage Checking

I am interested in signing up for Vanguard Advantage. However, I am curious whether the banking aspect is separated from the investment transactions? For instance, is there a portal where I get to see banking activities and transactions separately from the rest of the investment activities? Or is it...
by oneleaf
Mon Jan 28, 2019 12:45 am
Forum: Personal Finance (Not Investing)
Topic: Turbo Tax vs. H&R Block
Replies: 50
Views: 3365

Re: Turbo Tax vs. H&R Block

If you import anything on Turbo Tax, always verify what they import. There ARE multiple mistakes on the imported documents. For example, 1099-INT on Ally, the software only picked up the first page & if you have more interest on a different account number on page 2, it WILL miss it. 1099-DIV Vangua...
by oneleaf
Thu Jan 10, 2019 12:37 pm
Forum: Investing - Theory, News & General
Topic: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)
Replies: 31
Views: 2759

Re: AQR Cuts Staff After a Bad Year (39 out of 41 funds down)

Fair enough, but 2 points: 1.) Those ppl don't have an army of apologist peddling their funds regardless of performance/fees in this forum and in the general press. 2.) Don't you think it's significant that they sell something based on "robust evidence" and have to change it half way to something e...
by oneleaf
Fri Jan 04, 2019 6:03 pm
Forum: Personal Investments
Topic: BAM Advisor: Advice on alt funds and allocations
Replies: 54
Views: 2909

Re: BAM Advisor: Advice on alt funds and allocations

Larry posts here often and writes a great deal. What type of reputation does he have among individual investors and how well thought of is BAM? Thanks again. Larry is highly respected here and his books are wonderful. I always read what he has to say. That said, over the years, he has admittedly lo...
by oneleaf
Fri Dec 28, 2018 1:48 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax Prices
Replies: 302
Views: 40845

Re: TurboTax Prices

Wow great deal. Just bought the Turbotax Deluxe Fed & State PC Download for $39.99 on Amazon and a $10 gift card will be coming in the mail, making the total cost $29.99. Down from $49.99. I doubt we get a better deal than this.
by oneleaf
Sun Dec 23, 2018 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Carryforward Deduction Question (Oregon)
Replies: 2
Views: 237

Re: 529 Carryforward Deduction Question (Oregon)

I asked a friend who volunteered for the Tax-Aide and lived in Oregon for more than 20 years. He said that the state has access to your OR 529 College Savings Plan data and knows your account balances. So, if you deduct more than your previous year end balance in current year, they will catch you i...
by oneleaf
Sun Dec 23, 2018 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: 529 Carryforward Deduction Question (Oregon)
Replies: 2
Views: 237

529 Carryforward Deduction Question (Oregon)

My state (Oregon) allows carrying forward 4 years worth of contributions to use the annual (currently max $4750 for married couples) deduction for 529 contributions. There seems to be no provision on the tax form for carrying forward a contribution. It sounds like I just carry forward it a manually....
by oneleaf
Wed Dec 12, 2018 12:19 pm
Forum: Personal Investments
Topic: Vanguard lists my cost-basis (cost per share) the same for all lots
Replies: 19
Views: 2379

Re: Vanguard lists my cost-basis (cost per share) the same for all lots

Vanguard ended up fixing it for me. Only took a couple days. Disappointing that it happened in the first place, but glad to see they can resolve it quickly. I now know I need to keep a spreadsheet of my lots.
by oneleaf
Mon Dec 10, 2018 12:57 pm
Forum: Personal Investments
Topic: Vanguard lists my cost-basis (cost per share) the same for all lots
Replies: 19
Views: 2379

Re: Vanguard lists my cost-basis (cost per share) the same for all lots

I had the same problem described in by the OP and followed donoharm's suggestion. It worked! Thanks donoharm. :sharebeer This is Vanguard's error. I had it happen with 1 of 3 mutual funds I own in which all were specified as specific ID method, but 1 fund had each lot at average cost (same price). ...
by oneleaf
Sat Dec 01, 2018 11:25 am
Forum: Personal Finance (Not Investing)
Topic: Maximizing Tax Advantage of UTMA
Replies: 22
Views: 2706

Re: Maximizing Tax Advantage of UTMA

Interesting. So the discussion earlier about prorated ordinary income no longer applies? As long as ordinary income is less than $1050, we do not need to worry about ANY of it taxed at 10%?
by oneleaf
Wed Nov 21, 2018 7:40 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10471

Re: Amazon says TurboTax 2018 will be released November 12

I thought Amazon's Deluxe Fed+State was $49.99 for the PC download a couple days ago but is back to $59.99 (more than the CD version). Gonna keep an eye out for it and snatch it next time it goes back down. It's $49.99 as I write this. If I were you I'd wait to see if it goes lower for Black Friday...
by oneleaf
Wed Nov 21, 2018 1:52 pm
Forum: Personal Consumer Issues
Topic: Cheap Windows laptop <$200 (NOT chromebook)
Replies: 16
Views: 954

Re: Cheap Windows laptop <$200 (NOT chromebook)

Could you elaborate on this? I see Windows 10 online for ~$100. You know, even $20 for a license is too much if you are only using it for one purpose. You know you can use Windows 10 indefinitely unactivated for free. You simply have to live with the watermark on the bottom righthand side of the de...
by oneleaf
Wed Nov 21, 2018 12:14 pm
Forum: Personal Finance (Not Investing)
Topic: Amazon says TurboTax 2018 will be released November 12
Replies: 85
Views: 10471

Re: Amazon says TurboTax 2018 will be released November 12

I thought Amazon's Deluxe Fed+State was $49.99 for the PC download a couple days ago but is back to $59.99 (more than the CD version). Gonna keep an eye out for it and snatch it next time it goes back down.
by oneleaf
Tue Nov 20, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Is Turbo Tax and HR Block still going to have a completely free online version?
Replies: 2
Views: 360

Re: Is Turbo Tax and HR Block still going to have a completely free online version?

Turbotax Freedom Edition is available around mid-January and should have free state taxes for those who qualify. Also, myfreetaxes.com is also free fed and state filing with a higher income threshold. It actually uses H&R Block but you need to go through the website myfreetaxes.com to log in. My par...
by oneleaf
Wed Nov 14, 2018 8:33 pm
Forum: Investing - Theory, News & General
Topic: AQR fund family's performance relative to its benchmarks
Replies: 36
Views: 3150

Re: AQR fund family's performance relative to its benchmarks

Frankly I am shocked that so many posters, including some I greatly respect, on bogleheads, the site that preaches passive low cost index investment, invest not only in these active managed funds, but funds whose fees are well over 1%. I read the other long thread about AQR funds, I get that they a...
by oneleaf
Fri Sep 07, 2018 11:31 am
Forum: Personal Consumer Issues
Topic: Encryption Solution: Local + Cloud
Replies: 60
Views: 4053

Re: Encryption Solution: Local + Cloud

I don't know if this helps the OP, but I have also settled on encfs and a variety of unix tools for backing up to various cloud and cloud-like repositories. I have no idea if encfs works on windows. What I do know is that the file-by-file encryption of encfs allows the full use of various tools ava...
by oneleaf
Thu Aug 02, 2018 5:02 pm
Forum: Personal Consumer Issues
Topic: Talk to me about Le Creuset
Replies: 53
Views: 6429

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: 2464

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: 11030

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: 3877

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: 3877

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: 5874

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: Personal Investments
Topic: What happens when you speak in TICKER language.
Replies: 139
Views: 17059

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: 9347

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: 10071

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: 10071

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: 10071

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: 10071

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: 10071

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: 10071

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: 1020

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: 6383

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...