Search found 1841 matches

by jhfenton
Sat Apr 29, 2017 6:16 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12175

Re: Will cars be autonomous in three years?

I wonder if we'll be able to get around some of the issues surrounding human drivers coexisting with driverless cars by having a switchover day. For instance, the government could mandate that all new cars sold by 2025 have driverless technology available, while still requiring humans to drive them...
by jhfenton
Sat Apr 29, 2017 6:06 pm
Forum: Personal Consumer Issues
Topic: Wrist based heart rate monitors
Replies: 35
Views: 2351

Re: Wrist based heart rate monitors

I have a couple of Garmins and a third generation Garmin HR chest strap, and I have an Apple Watch Series 2 with wrist HR monitoring. The HR strap is definitely more accurate, reliable, and responsive. I use the strap and my Garmin for speed work and tempo runs, when I want quick feedback on HR duri...
by jhfenton
Thu Apr 27, 2017 9:38 pm
Forum: Personal Consumer Issues
Topic: Will cars be autonomous in three years?
Replies: 225
Views: 12175

Re: Will cars be autonomous in three years?

Bold prediction- 15 years from now majority of cars will be autonomous. It will be safer. Significantly so. Those of you who claim "you can pull my steering wheel out of my cold dead hands"- the costs to continue to drive without automation will make that stance prohibitive. Kids being bo...
by jhfenton
Thu Apr 27, 2017 2:38 pm
Forum: Investing - Help with Personal Investments
Topic: High operating expense for bond fund in 401K, what are the options?
Replies: 6
Views: 324

Re: High operating expense for bond fund in 401K, what are the options?

I was expecting 1.11%! Yours is very low and you are luckier than most! If I am thinking correctly, 10k at .06% = .0006 x 10k = $6/yr 10k @ .11% =.0011 x 10k = $11/yr Rather than saying cost is double, look at the dollars. I agree completely. I'd love to have a intermediate or total bond index fund...
by jhfenton
Thu Apr 27, 2017 12:54 pm
Forum: Investing - Help with Personal Investments
Topic: VTI vs VTSAX (ETF vs Mutual Fund)
Replies: 6
Views: 873

Re: VTI vs VTSAX (ETF vs Mutual Fund)

The expense ratio of VTI will surely follow along with changes in the expense ratio of VTSAX. Or do you have inside information that it won't? I have no such info and really haven't been following this...hence my question here. The ER of both VTI and VTSAX is 0.04%. That was the ER last year for bo...
by jhfenton
Wed Apr 26, 2017 11:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 107
Views: 10235

Re: Vanguard has switched to brokerage only accounts

What experience do others have with Vanguard brokerage accounts? I would probably have moved to Vanguard years earlier if they had had integrated brokerage accounts holding Vanguard mutual funds. The old system of mutual fund only accounts and separate brokerage accounts was enough to keep me elsew...
by jhfenton
Tue Apr 25, 2017 7:42 am
Forum: Investing - Theory, News & General
Topic: Case study Broker trade executions
Replies: 144
Views: 14269

Re: Case study Broker trade executions

I would happily do that but it seems the ETFs generally have lower ERs, enough that it makes it worth my while to use them. For example, SCHP (Schwab TIPS fund) ER is .05% vs. Vanguard's VAIPX at .10%. For a 300k position that's $150/year. Real world, the performance of the funds are indistinguisha...
by jhfenton
Tue Apr 25, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund
Replies: 24
Views: 1958

Re: Fidelity taxable account - which is better ITOT ETF vs FSTVX index fund

Pros for FSTVX: Easy periodic investments, frictionless reinvestment of dividends Pros for ITOT: Zero capital gains distributions FSTVX distributed about 60 bp in capital gains last year. To me, that weighs heavily in favor of ITOT in a taxable account, depending on your tax bracket for capital gains.
by jhfenton
Mon Apr 24, 2017 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard - need help
Replies: 10
Views: 779

Re: Investing with Vanguard - need help

Janet7262 wrote:I need to take my first RMD by the end of 2018...estimate $22K.

As long as you're on top of it. :beer Missing that is a very expensive, uncorrectable mistake.
by jhfenton
Mon Apr 24, 2017 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Investing with Vanguard - need help
Replies: 10
Views: 779

Re: Investing with Vanguard - need help

Make sure you begin to take life expectancy RMDs by the end of the year after the year of your friend's death, otherwise you get stuck with taking it all out within 5 years, which would be disastrous.
by jhfenton
Mon Apr 24, 2017 1:47 pm
Forum: Investing - Help with Personal Investments
Topic: SPY vs. VTI vs. VOO
Replies: 10
Views: 885

Re: SPY vs. VTI vs. VOO

I already had a TD Ameritrade brokerage account so I just opened one in that. Neither SPY nor VOO are commission-free at TD Ameritrade. You should look at VTI or IVV (iShares Core S&P 500 ETF). IVV is 4 bp. VTI is 5 bp (probably on its way to 4 bp this year). I'd go with VTI for complete U.S. e...
by jhfenton
Mon Apr 24, 2017 1:33 pm
Forum: Investing - Help with Personal Investments
Topic: TDAmeritrade Rollover Bonus
Replies: 3
Views: 375

Re: TDAmeritrade Rollover Bonus

I see no reason. I was happy at TD Ameritrade for 20 years. I'd grab the rollover bonus, buy commission-free Vanguard ETFs, wait out the clawback period for the bonus (one year?), and then consolidate it at Vanguard. But you could also (1) skip the last step and leave it at TDAmeritrade or (2) trans...
by jhfenton
Mon Apr 24, 2017 1:14 pm
Forum: Investing - Theory, News & General
Topic: Schwab False Ad (4X Cheaper than VG)
Replies: 20
Views: 1809

Re: Schwab False Ad (4X Cheaper than VG)

The negative attitude some on this forum towards Schwab is really interesting. I don't think the prevailing attitude toward Schwab is negative. It's just positive toward Vanguard. I applaud Schwab for reducing expenses on existing funds and starting with $100 minimums. If I were 22 and starting out...
by jhfenton
Mon Apr 24, 2017 1:04 pm
Forum: Investing - Help with Personal Investments
Topic: SPY vs. VTI vs. VOO
Replies: 10
Views: 885

Re: SPY vs. VTI vs. VOO

I already had a TD Ameritrade brokerage account so I just opened one in that. Neither SPY nor VOO are commission-free at TD Ameritrade. You should look at VTI or IVV (iShares Core S&P 500 ETF). IVV is 4 bp. VTI is 5 bp (probably on its way to 4 bp this year). I'd go with VTI for complete U.S. e...
by jhfenton
Mon Apr 24, 2017 1:00 pm
Forum: Investing - Theory, News & General
Topic: Morningstar rating: S&P 5-stars, but TSM 4-stars?
Replies: 10
Views: 1297

Re: Morningstar rating: S&P 5-stars, but TSM 4-stars?

Anyway, why do you care what Morningstar's algorithms or analysts think about an index fund? Because an out of line star rating may indicate that the index being used is not representative of the group to which it is being compared. Or maybe their e/r is high. Or maybe they don't know how to run an...
by jhfenton
Mon Apr 24, 2017 11:39 am
Forum: Investing - Help with Personal Investments
Topic: A few questions about International... VXUS, VEA, VWO... low returns
Replies: 24
Views: 1800

Re: A few questions about International... VXUS, VEA, VWO... low returns

Emerging performs better over time One things to always watch out for is verb tenses. What you should say is that "emerging has performed better over time." I say that not to be pedantic, but to point out that variations in performance generally result from events that could not have been...
by jhfenton
Sat Apr 22, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Understanding iShares initial investment index differences
Replies: 12
Views: 706

Re: Understanding iShares initial investment index differences

What do you see if you click on that little button that says "Why does the amount matter?" "As your portfolio increases in size you can incorporate a larger number of funds to further diversify your portfolio and access more targeted exposures." That seems to be the answer to th...
by jhfenton
Sat Apr 22, 2017 10:51 am
Forum: Investing - Help with Personal Investments
Topic: Understanding iShares initial investment index differences
Replies: 12
Views: 706

Re: Understanding iShares initial investment index differences

What do you see if you click on that little button that says "Why does the amount matter?" "As your portfolio increases in size you can incorporate a larger number of funds to further diversify your portfolio and access more targeted exposures." That seems to be the answer to th...
by jhfenton
Fri Apr 21, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Schwab Target Index Funds Investor Shares drop (.08%)
Replies: 21
Views: 1960

Re: Schwab Target Index Funds Investor Shares drop (.08%)

Vanguard's Target Retirement funds are the one set of funds at Vanguard that appear over-priced. They really need to have an Admiral Shares version at $10,000 or even $50,000 that uses solely Admiral Shares for the underlying funds and an Institutional Shares class that uses all Institutional Shares...
by jhfenton
Fri Apr 21, 2017 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Best Short Term, Liquid Investments
Replies: 19
Views: 1614

Re: Best Short Term, Liquid Investments

I use VSCSX too. I prefer it to the ETF share class, VCSH. You just need an initial investment of $10,000, and then you are free to go below that. Edited to add: In your specific situation, assuming your federal tax bracket is 25% or higher, I'd probably just use VMLTX/VMLUX (Vanguard Limited Term T...
by jhfenton
Thu Apr 20, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: US/world 50/50, or rebalance according to market cap?
Replies: 24
Views: 3151

Re: US/world 50/50, or rebalance according to market cap?

I'll go a little bit against the flow here. My equities are 50/50 (US/world). Not market-cap, mind you, 50/50, period. And it will stay that way for a long time. I was taking this approach for simplicity, then reading some rebalancing literature from Dr Bernstein made me realize that I might get a ...
by jhfenton
Wed Apr 19, 2017 12:04 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe : Integrated Investment Plan
Replies: 35
Views: 6708

Re: Larry Swedroe : Integrated Investment Plan

matjen wrote:[T]his forum is much better off IMO with those folks around.

Indeed. :beer
by jhfenton
Tue Apr 18, 2017 2:22 pm
Forum: Personal Finance (Not Investing)
Topic: $10 withdrawal by the IRS?
Replies: 17
Views: 1984

Re: $10 withdrawal by the IRS?

I have an explanation! This is the first year my teenage son filed a federal tax return, and he owed $10. I was showing him how the process worked, and must have used my bank account for the ACH withdrawal. So, nothing nefarious. It should be noted that the name associated w/ the transaction was my...
by jhfenton
Tue Apr 18, 2017 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Did anything surprise you in your 2016 taxes?
Replies: 83
Views: 7285

Re: Did anything surprise you in your 2016 taxes?

Not on our federal or state. We're getting a low two-digit federal refund and a mid two-digit state refund. Our smallest combined "error" ever. Unfortunately, we have to write a check to our city for $1,000 today because one of my wife's part-year jobs last year failed to withhold any city...
by jhfenton
Mon Apr 17, 2017 6:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 233
Views: 24098

Re: Vanguard Customer Service

Once done, yes easy to set it and forget it with Vanguard. Unless/until the day comes when 1 spouse needs to act for the other, or a child needs to act for the surviving spouse. Then problems really begin at Vanguard. If you have full agent authorization for your spouse, the process is smooth as si...
by jhfenton
Mon Apr 17, 2017 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Transferring a ROTH on divorce.
Replies: 5
Views: 596

Re: Transferring a ROTH on divorce.

You need to do a "transfer incident to a divorce," and, as Rupert said, you need it to be immortalized in your divorce decree or approved dissolution agreement or whatever procedure you're following in your state. If she has any employer plans, the equivalent order is called a QDRO (Qualif...
by jhfenton
Thu Apr 13, 2017 10:40 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5194

Re: Larry Swedroe on Understanding Different Types of Risk

I also hope that Mr. Swedroe graces us with his presence again. I'm not prepared to pay up for an advisor to get access to some of the strategies he recommends, but I agree with his general investment principles, and I always find his articles enlightening.
by jhfenton
Thu Apr 13, 2017 6:44 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe on Understanding Different Types of Risk
Replies: 45
Views: 5194

Re: Larry Swedroe on Understanding Different Types of Risk

Jiu Jitsu Fighter wrote:Good article as usual from Larry. Unfortunately, we won't be having a Q&A session with him on it.

:-(
by jhfenton
Thu Apr 13, 2017 2:23 pm
Forum: Personal Consumer Issues
Topic: Lack of rigor in EdX (and other?) MOOCs?
Replies: 23
Views: 1520

Re: Lack of rigor in EdX (and other?) MOOCs?

BTW, in addition to EdX, Coursera is another consortium of well-known universities offering MOOC’s. https://www.coursera.org I completed a few four-week iOS development courses at Coursera, and I found them useful. They required a real time commitment because, in addition to viewing the video lectu...
by jhfenton
Thu Apr 13, 2017 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard login trouble? Tax season issue?
Replies: 10
Views: 730

Re: Vanguard login trouble? Tax season issue?

KATNYC wrote:Finally got it resolved, albeit late for work due to the 20-minute call.

:beer I'm glad to hear it.
by jhfenton
Thu Apr 13, 2017 10:12 am
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 15
Views: 1320

Re: international funds question

(Despite the charts, I agree with Taylor that simplicity is better). Simplicity is fine, but I definitely think there is value to be captured in splitting out emerging markets from developed markets. They perform differently enough at different times to be worth rebalancing between them. That is pr...
by jhfenton
Thu Apr 13, 2017 9:09 am
Forum: Investing - Help with Personal Investments
Topic: international funds question
Replies: 15
Views: 1320

Re: international funds question

The main difference between TISM and DM + EM is that since last year the EM fund has included on-shore China A shares. There are no A shares in TISM. Beyond that, there are minor differences in the indexes, and the EM fund doubles up on more stocks, holding both local shares and ADRs (e.g., #2 holdi...
by jhfenton
Thu Apr 13, 2017 8:16 am
Forum: Investing - Theory, News & General
Topic: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their respect
Replies: 19
Views: 3601

Re: WSJ article-Indexes Beat Stock Pickers Even Over 15 Years New data show that 82% of all U.S. funds trailed their res

dsmil wrote:That probably doesn't even count the funds that didn't last 15 years!

It does. The metric takes into account funds that were shuttered or merged away.
by jhfenton
Thu Apr 13, 2017 7:43 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard login trouble? Tax season issue?
Replies: 10
Views: 730

Re: Vanguard login trouble? Tax season issue?

No. It is not normal. I haven't tried to set up a new account, but I haven't seen any issues with the website today. I've logged on repeatedly, bought ETFs, and placed mutual fund orders. This has been an exercise in frustration. We can get into one account, online access set up on Monday & fun...
by jhfenton
Wed Apr 12, 2017 10:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard login trouble? Tax season issue?
Replies: 10
Views: 730

Re: Vanguard login trouble? Tax season issue?

No. It is not normal. I haven't tried to set up a new account, but I haven't seen any issues with the website today. I've logged on repeatedly, bought ETFs, and placed mutual fund orders.
by jhfenton
Wed Apr 12, 2017 12:34 pm
Forum: Personal Consumer Issues
Topic: Windows-10 "upgrade" coming April 11. What to disable?
Replies: 25
Views: 3182

Re: Windows-10 "upgrade" coming April 11. What to disable?

I updated last night. It took about 40 minutes, including the download time. It seems to handle 4K resolution better. The toolbar, window, and icon sizing is better. I had custom window/icon size settings before because the default settings weren't good at 4K, but the new version defaulted to a real...
by jhfenton
Tue Apr 11, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Is Vanguard Targeted Retirement Fund too risky?
Replies: 10
Views: 1233

Re: Is Vanguard Targeted Retirement Fund too risky?

The Vanguard Targeted Retirement Fund 2040 has 90% in stock and 10% in bond. While I have heard holding the bond percentage should roughly equate to your age. So for a 40 year old, is holding 90% stock too risky? No. If you're really 23 years from retirement, that's about right. As lack_ey pointed ...
by jhfenton
Tue Apr 11, 2017 1:37 pm
Forum: Investing - Theory, News & General
Topic: Vanguard leaves crumbs for active fund managers
Replies: 26
Views: 4038

Re: Vanguard leaves crumbs for active fund managers

misterno wrote:Looking at the above picture, can someone tell me why the total funds invested (blue+red) shrank so much in 2014 compared to previous years?

'The chart shows net flows (money in minus money out) not total funds invested.
by jhfenton
Tue Apr 11, 2017 8:21 am
Forum: Investing - Theory, News & General
Topic: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz
Replies: 13
Views: 1866

Re: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz

I know a couple folks who would never invest in an "evil tobacco company" who are anxious to invest in legal pot. :oops:

Like PJW, I'm sticking to my index funds (though not total market). When Vanguard Small Cap Value ever owns a legal pot company, then I will own a legal pot company.
by jhfenton
Mon Apr 10, 2017 3:12 pm
Forum: Investing - Help with Personal Investments
Topic: Buying CD through brokerage
Replies: 17
Views: 1201

Re: Buying CD through brokerage

2.55% may be the YTM, even it's if not the coupon. I looked earlier, and there were secondary market CDs with YTMs as high as 2.6% maturing in spring 2022. (At the highest YTMs, lot sizes may be small and odd.) I personally don't mind paying small premiums on secondary market CDs from well-rated ban...
by jhfenton
Mon Apr 10, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Roth IRA - is "self" transfer possible ?
Replies: 9
Views: 465

Re: Roth IRA - is "self" transfer possible ?

In your situation, I would probably do the rollover via my bank account. Minimizing my time out of the market would my priority. I will personally never open an IRA, HSA, or taxable brokerage account anywhere until I confirm that I can transfer out in kind. Have you confirmed that you cannot initiat...
by jhfenton
Mon Apr 10, 2017 12:24 pm
Forum: Investing - Theory, News & General
Topic: Alts:new sources of risk/return improve portfolio efficiency
Replies: 119
Views: 8436

Re: Alts:new sources of risk/return improve portfolio efficiency

Jiu Jitsu Fighter wrote:Larry is one of the greatest, if not the greatest contributor on this message board. Don't look a gift horse in the mouth.

JJF

:beer Thanks, Larry.
by jhfenton
Mon Apr 10, 2017 10:17 am
Forum: Personal Finance (Not Investing)
Topic: MasterCard or Visa... Or One of Each?
Replies: 22
Views: 2047

Re: MasterCard or Visa... Or One of Each?

We have three rewards cards: one Amex, one Visa, one MasterCard. As others have said, I would have at least two cards in case of card number theft or other account issues. (My wife recently regretted our not having a Citi card because she was unable to get early access to Luke Bryan tickets. So perh...
by jhfenton
Mon Apr 10, 2017 8:32 am
Forum: Investing - Help with Personal Investments
Topic: How long should I plan for Vanguard IRA transfer to be official
Replies: 2
Views: 252

Re: How long should I plan for Vanguard IRA transfer to be official

My IRA contributions made during trading hours via ACH pull from my bank (i.e. initiated via Vanguard) are effective immediately, with the funds being pulled from my bank account overnight.
by jhfenton
Sun Apr 09, 2017 8:38 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2529

Re: "We're changing how we report costs. You still benefit."

rob wrote:I find it refreshing Vanguard is wasting effort on this stuff rather then say... fixing the web-site to bring it into the 21st century :oops:

You probably don't want their marketing and compliance folks working on upgrading the web-site. :beer
by jhfenton
Sun Apr 09, 2017 6:05 pm
Forum: Investing - Help with Personal Investments
Topic: Buying high yielding Bonds 5-10%
Replies: 21
Views: 2062

Re: Buying high yielding Bonds 5-10%

High yield bonds have equity like characteristics and don't give you the diversification benefits to stocks that higher quality bonds do. In other words, high yield bonds often perform badly at the same time that stocks perform badly. Think of these as a hybrid between stocks and bonds and you won'...
by jhfenton
Sun Apr 09, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Help with bond fund choices for a 401a plan.
Replies: 12
Views: 798

Re: Help with bond fund choices for a 401a plan.

I would also use the State Aggregate Bond Index. It's a great choice. The DFA Inflation Fund is also good if you want TIPS. I wouldn't touch any of the others.
by jhfenton
Sun Apr 09, 2017 3:28 pm
Forum: Personal Finance (Not Investing)
Topic: Detailed question on Back Door Roth
Replies: 6
Views: 325

Re: Detailed question on Back Door Roth

The inherited IRA will count too for pro-rating AFAIK. And conversions are based on calendar year of conversion and year end IRA balance on 12/31 of that year so any Roth conversion in 2017 will care about IRA balances on 12/31/2017. Try practice filling out form 8606. Inherited IRAs (IRAs held as ...
by jhfenton
Sat Apr 08, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 1703

Re: More Zenni Optical Questions

The pair of glasses I bought for my daughter in December were $16.11 plus shipping. It was a low-level single-vision prescription with the basic geeky but trendy frames that she wanted. Without knowing the cost-breakdown on your wife's order, I assume it's the progressive colored lenses. They may ju...
by jhfenton
Sat Apr 08, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 4673

Re: Vanguard Federal Money Market Fund

I was just charged $118.00 for holding funds in the Vanguard Federal Money Market Fund. I will call on Monday to find out why, but I am really annoyed and feel mislead. I was forced to transfer my funds from their Prime MM account because of some regulations but was unaware of any fees. There shoul...

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