Search found 1384 matches

by jhfenton
Thu Oct 20, 2016 1:44 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5525

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

Use Winzip and split it into 355,556 1.44Mb floppy discs and put those into the mail That does bring back memories. There was a brief period after software started to explode in size and before PC-CDs became wide-spread. I remember a handful of commercial software packages--early-to-mid-90's Photos...
by jhfenton
Thu Oct 20, 2016 1:26 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5525

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

I am not knocking your networking capability, but it sounds like you would be best served using a cloud storage provider, google drive/dropbox etc. to upload your videos. If you don't want to pay, I have made personal torrent files to send things to friends/family before. Very easy to do. You will ...
by jhfenton
Wed Oct 19, 2016 9:15 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or 401(k)?
Replies: 29
Views: 2319

Re: 15 year mortgage or 401(k)?

Are you saying that you would never take out a mortgage if you couldn't max out your 401(k)s? I don't see the justification for that as a blanket rule. Mortgages are a housing cost--at least a minimum level of which is a necessity--and there are many cases in which it is cheaper to buy than to rent...
by jhfenton
Wed Oct 19, 2016 9:10 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10839

Re: TaxAct pre-purchase discount

I searched my emails but no email from TaxAct as I have received in prior years. I went in to my account and I see that I "locked in" the low price for 2016. If my memory serves me correct I was offered the low price after completing 2105 taxes :happy Any idea if the price you received is...
by jhfenton
Wed Oct 19, 2016 5:47 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or 401(k)?
Replies: 29
Views: 2319

Re: 15 year mortgage or 401(k)?

You should be saving a minimum of 15% of gross household income toward retirement, probably 20% is better. If you plan to save for college for your kid(s), take that into account. Beyond that, you shoud be debt free. With what you have left, which house can you afford? Maybe you should be looking a...
by jhfenton
Wed Oct 19, 2016 5:16 pm
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or 401(k)?
Replies: 29
Views: 2319

Re: 15 year mortgage or 401(k)?

So, I can do the 15 year and build equity faster and be done with a mortgage in 15 years. Or, I can do the 30 year mortgage and put $4,000 more into my 401(k). I would never make both of these statements at the same time. If I couldn't max my 401K, then I couldn't do the mortgage. You will never ge...
by jhfenton
Wed Oct 19, 2016 2:05 pm
Forum: Investing - Theory, News & General
Topic: africa etf's and mutual funds
Replies: 9
Views: 840

Re: africa etf's and mutual funds

This is the list on ETF.com: http://www.etf.com/channels/middle-east-and-africa-etfs I only see two on the list that cover all of Africa, and, of those two, market-cap-based GAF has 69.7% in South Africa. AFK weights by GDP, so it is reasonably diversified. But it costs 79 bp, modest assets ($69.26M...
by jhfenton
Wed Oct 19, 2016 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Super low ETF expenses from Schwab now.
Replies: 4
Views: 549

Re: Super low ETF expenses from Schwab now.

I guess zero expense ratios are on the horizon. Maybe there will be a negative ER... (Impossible? Well so were bond yields less than zero.) If you count securities lending revenue there are several funds with net-negative ERs, meaning that you can expect them to out-perform their indexes by a few b...
by jhfenton
Wed Oct 19, 2016 11:56 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 58
Views: 3920

Re: Least expensive iPhone

So have you made a decision about what to get yet? The SE definitely sounds like the best bet. Will talk it over with my wife. When asked, my resident phone expert (i.e., teen DS) said that he had heard of the SE and that it was just like an iPhone 5. However, when I had compared it against the 6/6...
by jhfenton
Wed Oct 19, 2016 11:47 am
Forum: Investing - Theory, News & General
Topic: Determining Intermediate-Term Tax-Exempt Fund Prices Before Closing
Replies: 16
Views: 807

Re: Beating the market?

This happens each and every (trading) day with VTI<->VTSAX, VBR<->VSIAX, VXUS<->VTIAX, and VWO<->VEMAX etc. The OP did choose a poor title for the thread, though. Triceratop Indeed. On the first worksheet in my Excel portfolio spreadsheet, I have a summary table for my portfolio with a line for the...
by jhfenton
Tue Oct 18, 2016 8:13 am
Forum: Personal Consumer Issues
Topic: What iPhone podcast application do you use?
Replies: 25
Views: 2088

Re: What iPhone podcast application do you use?

I use iCatcher. It's paid ($1.99), and has no ads. I've been using it for many years. It is full-featured and well-maintained. It offers cloud-syncing, so it will "save my place" between devices. Most of my podcasts are professional fiction podcasts, offering short stories or full-cast aud...
by jhfenton
Mon Oct 17, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Cash position in VSS
Replies: 8
Views: 708

Re: Cash position in VSS

Ok, but when I export the portfolio data I get the following description of this position : CMT MARKET LIQUIDITY RATE 8,78% I assume it's a data glitch of some sort. There is no way that VSS, an index fund, is holding nearly 9% cash. You can look at the Portfolio Composition File. You can look at t...
by jhfenton
Mon Oct 17, 2016 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: Active or Passive Bond Funds?
Replies: 5
Views: 727

Re: Active or Passive Bond Funds?

I hold a sizeable position in the Vanguard Total Bond Market Fund, but lately I have been reading a lot about why active bond funds make more sense as they apply more active portfolio techniques to the bond space. Any thoughts from Bogleheads? Is there any danger in continuing to hold passive TBM i...
by jhfenton
Mon Oct 17, 2016 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Cash position in VSS
Replies: 8
Views: 708

Re: Cash position in VSS

I also see the cash position here : https://personal.vanguard.com/us/FundsAllHoldings?FundId=3184&FundIntExt=INT&tableName=Equity&tableIndex=0&sort=marketValue&sortOrder=desc and here (holding details): https://advisors.vanguard.com/VGApp/iip/site/advisor/investments/portfoliode...
by jhfenton
Mon Oct 17, 2016 8:14 am
Forum: Investing - Theory, News & General
Topic: Alternatives to VWEHX? Are There Other Good High Yield Corp Bond Funds?
Replies: 5
Views: 618

Re: Alternatives to VWEHX? Are There Other Good High Yield Corp Bond Funds?

I don't own any high yield bond funds, but if I were to decide to invest in them, and I wanted to venture beyond Vanguard's offering, I'd buy ANGL (VanEck Vectors Fallen Angel High Yield Bond ETF). Fallen Angels are the one area in which high yield corporate bonds appear to make sense. (iShares has ...
by jhfenton
Fri Oct 14, 2016 9:59 am
Forum: Personal Consumer Issues
Topic: Least expensive iPhone
Replies: 58
Views: 3920

Re: Least expensive iPhone

Disregard the iPhone 6 unless you need the 4.7" screen. The iPhone SE is cheaper and has the speed of the 6s (and the screen size and body of the 5/5s). It is the cheapest new iPhone at this time. +1 I would not buy a new iPhone 6 now. I'd buy a 7, a 6s, or an SE. I would consider a used iPhon...
by jhfenton
Fri Oct 14, 2016 7:29 am
Forum: Personal Finance (Not Investing)
Topic: Why is college savings compared to retirement?
Replies: 62
Views: 4087

Re: Why is college savings compared to retirement?

Can someone explain why saving for college is always compared to saving for retirement? Because for many people, they don't have the income to fully do both at the same time. Oh, I just see on here a lot of comments about not saving a dime for college until you've maxed out 401k, or how you pay 25%...
by jhfenton
Thu Oct 13, 2016 12:37 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe's New Book is Available Now!
Replies: 155
Views: 16615

Re: Larry Swedroe's New Book is Available Now!

Does that list include retail-available funds and ETFs for investors not with an advisor? I'm not exactly sure what you mean by "list", but where momentum is concerned, I'm not aware of any very cheap momentum equity fund or ETF, be it foreign or domestic. I'd define cheap as at least sub...
by jhfenton
Thu Oct 13, 2016 12:34 pm
Forum: Investing - Theory, News & General
Topic: Is Morningstar Premium worth it?
Replies: 18
Views: 1748

Re: Is Morningstar Premium worth it?

They've been offering Premium lately for $99/year. That's more reasonable than the $179, which I thought was grossly over-priced in this age of free information.
by jhfenton
Thu Oct 13, 2016 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 3342

Re: Vanguard Prime MM (VMMXX) Troubles

Update: As they promised, the "missing" funds were back in the account today. So if you have an ETF/stock order that settles on the same day as they swap out your Prime/Tax Exempt MMF for Federal MMF, do not panic when your balance is out of whack for by that amount for one day. It's the r...
by jhfenton
Thu Oct 13, 2016 7:44 am
Forum: Investing - Help with Personal Investments
Topic: HSA catch up contribution for 2 people over 55
Replies: 6
Views: 750

Re: HSA catch up contribution for 2 people over 55

Yes. That is how you handle the two catch-up contributions. You can divide the total money up between the two accounts, as long as neither exceeds family limit plus catch-up. There's no way around having a second account to hold the second spouse's catch-up. I'd probably put all I could in my wife's...
by jhfenton
Wed Oct 12, 2016 1:06 pm
Forum: Personal Consumer Issues
Topic: Super cheap mens bike (< $150)
Replies: 23
Views: 2122

Re: Super cheap mens bike (< $150)

At that price point anything you buy from the store will be money wasted. Why do you say that? Will the bike break down after each a few uses? Yes. At that price, the components (brakes and derailleurs, in particular) are not very durable and pretty unreliable. They don't deliver a very good experi...
by jhfenton
Wed Oct 12, 2016 12:39 pm
Forum: Personal Consumer Issues
Topic: Super cheap mens bike (< $150)
Replies: 23
Views: 2122

Re: Super cheap mens bike (< $150)

DoTheMath wrote:Craigslist. There's lots of good deals there. At that price point anything you buy from the store will be money wasted.

I agree with every word of this advice.

The cheapest bikes I would recommend would be in the $250-400 range from bikesdirect.com.
by jhfenton
Wed Oct 12, 2016 11:52 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 3342

Re: Vanguard Prime MM (VMMXX) Troubles

Update: They say that they looked in the backend system, and the debit is not there. It was already netted out against the Prime MMF. It's just a glitch in the web frontend with the displayed money market fund switching over today, but the debit still showing for one more day. Normally, on settlemen...
by jhfenton
Wed Oct 12, 2016 10:23 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime MM (VMMXX) Troubles
Replies: 16
Views: 3342

Re: Vanguard Prime MM (VMMXX) Troubles

I have my own Vanguard Prime MM swap-over glitch to report today that has resulted in a missing $493.60. Vanguard acknowledges the error, because it's dead obvious from the transaction history, but my rep is struggling on the phone to get them to fix it. The resolution team initially gave him a cop-...
by jhfenton
Mon Oct 10, 2016 2:28 pm
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5330

Re: iShares v Vanguard ETF Expense Ratios

Vanguard doesn't "set" expense ratios. Vanguard reports last year's actual expense ratios as the anticipated expense ratio for the current year. They can control costs and fixed costs can be spread across ever-large asset bases, but the expense ratios are what they are in the end. And I st...
by jhfenton
Mon Oct 10, 2016 12:25 pm
Forum: Investing - Help with Personal Investments
Topic: Why do country specific ETFs have such high expense ratios?
Replies: 7
Views: 633

Re: Why do country specific ETFs have such high expense ratios?

As lack_ey said originally, it's the lack of any Vanguard competition in single-country ETFs (i.e. the Vanguard effect). And with one possible exception, I can't see Vanguard offering any single-country (ex-US) funds anytime soon. (I can imagine Vanguard eventually offering separate China and EM ex-...
by jhfenton
Mon Oct 10, 2016 8:16 am
Forum: Investing - Help with Personal Investments
Topic: Why do country specific ETFs have such high expense ratios?
Replies: 7
Views: 633

Re: Why do country specific ETFs have such high expense ratios?

lack_ey wrote:No Vanguard effect. Also see prices charged to manage (index-based) commodities futures funds, for example.

Yep. The Vanguard effect--or lack thereof--is quite striking.
by jhfenton
Thu Oct 06, 2016 7:24 pm
Forum: Personal Finance (Not Investing)
Topic: Managing joint accounts
Replies: 7
Views: 529

Re: Managing joint accounts

It seems that what you are trying to accomplish would be best addressed with an old school conventional checking and savings account split. Your checking account has the funds you need for day to day living. The savings account is for large purchases like a car or to be transferred to a brokerage a...
by jhfenton
Thu Oct 06, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5330

Re: BlackRock Cuts Prices on ETFs

Cue the "Vanguard is better" posts. :happy When you factor in 100% of securities-lending revenue, they probably still are in most cases. :beer Plus I trust Vanguard to always be cheap, whatever the market environment That's not to say that I have anything against BlackRock. I would be hap...
by jhfenton
Wed Oct 05, 2016 7:32 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Transfer My Brokerage Accounts to Vanguard?
Replies: 14
Views: 1165

Re: Should I Transfer My Brokerage Accounts to Vanguard?

I've been a satisfied customer at TD Ameritrade for many years. When I retired 18 months ago, I moved my 401K to a TDA Rollover IRA account and invested the balance of about a million in three Vanguard mutual funds: Total Stock (VTSMX), Total Bond (VBMFX) and Total International (VGTSX), as recomme...
by jhfenton
Wed Oct 05, 2016 2:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - joint acct login?
Replies: 9
Views: 727

Re: Vanguard - joint acct login?

All, this may be a dumb question, but I can't seem to find a straight answer. I signed up for a joint non-retirement account at VG with my wife. All statements/emails go to me and my wife has never logged in. I am now trying to switch the bank account that our auto investment uses and it won't move...
by jhfenton
Wed Oct 05, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard - joint acct login?
Replies: 9
Views: 727

Re: Vanguard - joint acct login?

All, this may be a dumb question, but I can't seem to find a straight answer. I signed up for a joint non-retirement account at VG with my wife. All statements/emails go to me and my wife has never logged in. I am now trying to switch the bank account that our auto investment uses and it won't move...
by jhfenton
Wed Oct 05, 2016 11:52 am
Forum: Investing - Theory, News & General
Topic: Which documents to keep from old Employer 401ks and tIRA/Roth accounts.
Replies: 3
Views: 380

Re: Which documents to keep from old Employer 401ks and tIRA/Roth accounts.

Prior to the mid 2000's, old employer 401k and personal tIRA & Roth documents were distributed via hard copy. I need to get rid of old paperwork. I will scan all of my old statements, so I have a record of my account activity - money in /transferred/ out, etc. However, for old accounts for whic...
by jhfenton
Wed Oct 05, 2016 10:30 am
Forum: Investing - Theory, News & General
Topic: BlackRock Cuts Prices on ETFs
Replies: 62
Views: 5330

Re: BlackRock Cuts Prices on ETFs

Cue the "Vanguard is better" posts. :happy When you factor in 100% of securities-lending revenue, they probably still are in most cases. :beer Plus I trust Vanguard to always be cheap, whatever the market environment That's not to say that I have anything against BlackRock. I would be hap...
by jhfenton
Tue Oct 04, 2016 12:32 pm
Forum: Investing - Theory, News & General
Topic: International Small (VSS/VFSVX) Underperforms ALL Active Funds
Replies: 25
Views: 2467

Re: International Small (VSS/VFSVX) Underperforms ALL Active Funds

You should also consider how well VSS tracks its target benchmark (hint: well), as that's the mark of an effective index fund. The emerging markets will have their day. The only question is if you'll be in a fund which can capture that. Agreed. VSS has actually beaten its index over the last 1, 3, ...
by jhfenton
Tue Oct 04, 2016 12:23 pm
Forum: Investing - Theory, News & General
Topic: International Small (VSS/VFSVX) Underperforms ALL Active Funds
Replies: 25
Views: 2467

Re: International Small (VSS/VFSVX) Underperforms ALL Active Funds

It is true that VSS has a lot more in emerging markets (14%) than the Foreign Small/Mid Blend category average (3%). Also quite a bit of cash (7.5%!). :oops: The cash is a M* error. Vanguard had about 7% in undisclosed equities in their 8/31/16 release, and M* lumped it into cash. By Vanguard's own...
by jhfenton
Tue Oct 04, 2016 5:19 am
Forum: Investing - Theory, News & General
Topic: International Small (VSS/VFSVX) Underperforms ALL Active Funds
Replies: 25
Views: 2467

Re: International Small (VSS/VFSVX) Underperforms ALL Active Funds

"What are questions it would never occur to me to ask for $1,000?" I agree with Theoretical re VSS's emerging market's exposure, and Canada too. At one point, VSS was literally the only EM + DM small cap ETF in existence. M* doesn't break it down that way, lumping it in with DM-only funds,...
by jhfenton
Mon Oct 03, 2016 7:23 pm
Forum: Investing - Theory, News & General
Topic: Why does VB (Vanguard Small-Cap ETF) have so many mid-caps?
Replies: 14
Views: 1331

Re: Why does VB (Vanguard Small-Cap ETF) have so many mid-caps?

Yes. He does mean it literally, and he is correct. Vanguard's Large-Cap fund (not S&P 500) includes CSRP percentiles 1-85. Vanguard's Small-Cap Fund is 85-98. I see that as Large-Cap including mid-caps, but the reality is that mid-caps are split between the two funds. If you want to break it do...
by jhfenton
Mon Oct 03, 2016 2:20 pm
Forum: Investing - Theory, News & General
Topic: Why does VB (Vanguard Small-Cap ETF) have so many mid-caps?
Replies: 14
Views: 1331

Re: Why does VB (Vanguard Small-Cap ETF) have so many mid-caps?

It is a small-cap index fund in name only. It is the market completion index fund for the VG large-cap index fund. Which? Vanguard Small-Cap Index Fund (VB, NAESX, VSMAX)? You mean this literally? Just in case anybody does interpret it literally, note that 1. There is an actual market completion in...
by jhfenton
Sun Oct 02, 2016 9:02 am
Forum: Investing - Help with Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 1802

Re: Going from Total Int Market to Developed + Emerging Markets

Hello all, My 403b is changing the funds that they will be carrying, and one of the ones being cut is VTIAX, Vanguard Total International Index Fund. They are replacing it with VTMNX (Vanguard Developed Markets Index Fund) and VEMIX (Vanguard Diversified Emerging Market Index Fund). Just looking fo...
by jhfenton
Sat Oct 01, 2016 9:20 pm
Forum: Investing - Help with Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 1802

Re: Going from Total Int Market to Developed + Emerging Markets

Morningstar says that Taiwan is Developed, while Vanguard considers it Emerging. That is the main difference between the two. And South Korea. M* and MSCI consider South Korea developed. FTSE, and therefore Vanguard, consider South Korea emerging. Neither MSCI nor FTSE consider Taiwan developed, th...
by jhfenton
Sat Oct 01, 2016 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 1802

Re: Going from Total Int Market to Developed + Emerging Markets

No it doesn't depend on the definition of EM. You are confused on this. I'm not confused in the slightest, except by your appearing to disagree with me and then agreeing with my numbers. Here you go, courtesy of Morningstar's Portfolio X-Ray: 100% VTIAX: http://i66.tinypic.com/2vd5m5f.png 81% VTMGX...
by jhfenton
Sat Oct 01, 2016 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Going from Total Int Market to Developed + Emerging Markets
Replies: 23
Views: 1802

Re: Going from Total Int Market to Developed + Emerging Markets

That should be fine. If you want to match the allocation exactly, Morningstar has the split listed as 84.4% vs 15.6%. But, there's no rule about what the % split should be. Personally, I have it 50-50 between the two. That won't be exact. You'd be underweight emerging if you allocate 15.6% of your ...
by jhfenton
Sat Oct 01, 2016 4:23 pm
Forum: Investing - Theory, News & General
Topic: Measuring bond risk
Replies: 2
Views: 394

Re: Measuring bond risk

The 1-5 scale doesn't offer much room for fine distinctions in risk. You have money markets and short-term bond funds at low-1. You have emerging markets stock funds at high-5. You have emerging market bonds funds at 3. You pretty much have to call both Total Bond and Intermediate Corp a 2. I agree ...
by jhfenton
Wed Sep 21, 2016 12:10 pm
Forum: Personal Consumer Issues
Topic: macOS Sierra
Replies: 20
Views: 2299

Re: macOS Sierra

I have a late 2013 MacBook Pro retina running El Capitan. Software updates does not show Sierra. Last update was for Safari browser. Don't know why. It shows up in the App Store front page for download first. I think they wait a bit to push an offer under Updates to smooth server loads. They alread...
by jhfenton
Wed Sep 21, 2016 12:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 2949

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

I'm 100% behind the addition of small caps. And I'm fine with the small addition of China A shares. But long run, I don't want an EM fund with a 50% China stake. At that point, I'd prefer to split China into a separate fund for rebalancing purposes, much like the Pacific ex-Japan funds that used to ...
by jhfenton
Tue Sep 20, 2016 6:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Emerging Markets Stock Index Fund completes transition to new index
Replies: 19
Views: 2949

Re: Vanguard Emerging Markets Stock Index Fund completes transition to new index

I've read their release (and they emailed me the notification as well since I'm invested in this) but I admit I still don't entirely understand what it means. Does China make up a greater % of their EM index fund now? Are there mid and small cap that there weren't before? Yes. And yes. They made tw...
by jhfenton
Tue Sep 20, 2016 12:23 pm
Forum: Investing - Help with Personal Investments
Topic: LT Treasury Zeros: ETF or Individual Bonds
Replies: 6
Views: 500

Re: LT Treasury Zeros: ETF or Individual Bonds

At the moment, the bid-ask on Vanguard's platform for the longest-dated STRIP (5/15/2045) are 48.739/48.258 for $100,000 and 49.007/47.978 for $1,000. Fairly sizable spreads, especially at the lower quantities. Spreads on the ordinary treasury bond maturing on the same date are much lower: 112.300/1...
by jhfenton
Tue Sep 20, 2016 8:54 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Tax-Exempt Bond ETF.....
Replies: 6
Views: 1066

Re: Vanguard Tax-Exempt Bond ETF.....

It's a fine fund, but without knowing his marginal income tax rate and other assets, it's impossible to offer a meaningful opinion on whether or not it's appropriate.

Go to advanced search