Search found 2029 matches

by jhfenton
Thu Sep 21, 2017 12:17 pm
Forum: Investing - Theory, News & General
Topic: Reuters article - Vanguard asks passive investors to pay attention for proxy vote
Replies: 6
Views: 1408

Re: Reuters article - Vanguard asks passive investors to pay attention for proxy vote

My wife and I voted all of our Vanguard held shares in August. I received a notice from my Fidelity 401(k)-held Vanguard shares a few weeks ago and promptly voted those online. But I still have not received any voting information for my HSA-held Vanguard shares (employer-sponsored through a local ba...
by jhfenton
Thu Sep 21, 2017 10:21 am
Forum: Personal Finance (Not Investing)
Topic: Innovis and ChexSystems freeze confirmation letters
Replies: 40
Views: 5432

Re: Innovis and ChexSystems freeze confirmation letters

I would also like to know. We haven't received ours yet (completed online 9/14 and 9/15).
by jhfenton
Thu Sep 21, 2017 8:04 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8967

Re: Bogleheads you would most like to meet and why?

Mel Lindauer wrote:
Thu Sep 21, 2017 7:52 am
jhfenton wrote:
Thu Sep 21, 2017 7:51 am
That's a good list. :beer There are a lot of folks on here I would love to meet.
The best way to meet a couple hundred of them (and Jack Bogle as a bonus) is to attend one of the annual Bogleheads Conferences.
It's on my to-do list. :beer But it's a hard ticket to come by!
by jhfenton
Thu Sep 21, 2017 7:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads you would most like to meet and why?
Replies: 134
Views: 8967

Re: Bogleheads you would most like to meet and why?

That's a good list. :beer There are a lot of folks on here I would love to meet.
by jhfenton
Thu Sep 21, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3871

Re: Oil - Price & Supply/Demand Conundrum

I don't overweight energy, and I can't imagine circumstances under which I ever would. I think I have enough commodity exposure with my large emerging markets stake (though the dominance of energy in EM is declining compared to the past). The argument is that you consume oil so you should hedge the...
by jhfenton
Wed Sep 20, 2017 2:57 pm
Forum: Investing - Theory, News & General
Topic: Oil - Price & Supply/Demand Conundrum
Replies: 62
Views: 3871

Re: Oil - Price & Supply/Demand Conundrum

Since the Harvey highs gas prices dropped some 30 cents in general and by as much as 50 cents on some corners. (And we also have low gas taxes. :D ) It's the same in Cincinnati. It jumped after Harvey, but we are back to--and in some cases below--pre-Harvey prices. My neighborhood stations are $2.2...
by jhfenton
Tue Sep 19, 2017 11:59 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5204

Re: Equifax Credit Freeze 100% online

A key decision is whether to press forward with the freeze and associated requests while all 3 firms are dysfunctional and understaffed due to the sheer magnitude of this issue or wait until they have their act together. I think it's worth being persistent. It took me a few days of trying, but my w...
by jhfenton
Tue Sep 19, 2017 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 10108

Re: Why is TransUnion pushing True Identity vs credit freeze?

I logged into one of our credit card accounts this morning that uses TransUnion to report your weekly credit score. New this time was a pop-up indicating that we now had a "security freeze" on the credit file at TransUnion but that they would still be able to show the credit score. As I said earlier...
by jhfenton
Mon Sep 18, 2017 8:59 pm
Forum: Personal Finance (Not Investing)
Topic: Why is TransUnion pushing True Identity vs credit freeze?
Replies: 28
Views: 10108

Re: Why is TransUnion pushing True Identity vs credit freeze?

The spousal unit and I went with the True Identity option. Hopefully an OK choice. My wife and I did the same. It offers more flexibility and appears to offer a comparable level of security. The best I can tell, TrueIdentity (1) allows them to avoid the specific regulatory framework for security fr...
by jhfenton
Mon Sep 18, 2017 9:02 am
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5204

Re: Equifax Credit Freeze 100% online

I was listening to Clark Howard today and he said equifax now realizes their pin algorithm is no good, and they are working on a fix. Most likely you will be able to get a new pin once they figure how they want to generate them. The Equifax PINs that my wife and I got on Friday seemed random. The P...
by jhfenton
Fri Sep 15, 2017 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5204

Re: Equifax Credit Freeze 100% online

Mine went through on the first try. My wife's took two tries. Is the Transunion "lock" as good as a freeze? Their website is pushing the lock option and seems to almost be trying to scare you away from the freeze. Call me cynical, but it struck me as "me thinks thou doth protest too much." I don't ...
by jhfenton
Fri Sep 15, 2017 7:57 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5204

Re: Equifax Credit Freeze 100% online

I was finally able to get the Equifax freeze to go through online this evening for myself and my wife. (Mine went through. Hers errored out a couple of times, but finally went through.) We also froze Experian and Innovis online. We "locked" Transunion using their free service (which has a couple of...
by jhfenton
Fri Sep 15, 2017 7:50 pm
Forum: Personal Finance (Not Investing)
Topic: Is a security freeze at Innovis really needed?
Replies: 68
Views: 25514

Re: Is a security freeze at Innovis really needed?

When they ask a bunch of obscure questions - I think some of them are fake question or throw-away questions. Experian asked us questions. In my case, 1 of the 4 used fake data, asking about an auto lease that never existed. For my wife, 2 of the 4 Experian questions were fake, asking which of 4 nam...
by jhfenton
Fri Sep 15, 2017 7:32 pm
Forum: Personal Finance (Not Investing)
Topic: Equifax Credit Freeze 100% online
Replies: 35
Views: 5204

Re: Equifax Credit Freeze 100% online

I was finally able to get the Equifax freeze to go through online this evening for myself and my wife. (Mine went through. Hers errored out a couple of times, but finally went through.) We also froze Experian and Innovis online. We "locked" Transunion using their free service (which has a couple of ...
by jhfenton
Fri Sep 15, 2017 7:18 pm
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3926

Re: 1st medical bill, already overdue and threaten to send to collection

Under no circumstances would I pay the bill. Third party medical providers have a distorted and extra-legal sense of entitlement, thinking they can bill charges not expressly authorized by the patient. You have more rights than they want you to believe. Assert them. (Your rights may include specifi...
by jhfenton
Fri Sep 15, 2017 7:28 am
Forum: Personal Consumer Issues
Topic: 1st medical bill, already overdue and threaten to send to collection
Replies: 44
Views: 3926

Re: 1st medical bill, already overdue and threaten to send to collection

Under no circumstances would I pay the bill. Third party medical providers have a distorted and extra-legal sense of entitlement, thinking they can bill charges not expressly authorized by the patient. You have more rights than they want you to believe. Assert them. (Your rights may include specific...
by jhfenton
Fri Sep 15, 2017 7:18 am
Forum: Personal Consumer Issues
Topic: Is True-identity lock enough or credit freeze is better
Replies: 7
Views: 2556

Re: Is True-identity lock enough or credit freeze is better

I read through the TrueIdentity terms, and I decided that the "Lock" was sufficient. I understand why they're creating a status similar to a security freeze but that is not a security freeze (opting out of the regulations around a formal "security freeze"), and it's not anything that should reduce t...
by jhfenton
Fri Sep 15, 2017 7:10 am
Forum: Investing - Help with Personal Investments
Topic: Wash rule question
Replies: 5
Views: 406

Re: Wash rule question

There is a ruling from the IRS holding that transactions involving replacement securities in an IRA do trigger the wash sale rule, and worse, that since the replacement security is in an IRA, you lose the basis increase that would normally make a wash sale a matter of timing rather than a permanent ...
by jhfenton
Fri Sep 15, 2017 7:07 am
Forum: Personal Consumer Issues
Topic: Audio books
Replies: 28
Views: 1733

Re: Audio books

In some cases, Audible versions of books are available as part of the Kindle Unlimited program through Amazon. Those books will have "Read and Listen for Free" instead of just "Read for Free" on the check-out button. They will show up both in the Kindle app and the Audible app. Other Audible books a...
by jhfenton
Thu Sep 14, 2017 9:41 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Health Care Fund in my portfolio?
Replies: 42
Views: 3986

Re: Vanguard Health Care Fund in my portfolio?

If I had a broad market portfolio, I would not add a health care fund on top of it. Health care has adequate representation in the broad indices. But I think a small position (5%?) can make sense if you have a portfolio very heavily tilted to small value. Vanguard's small and mid cap value index fun...
by jhfenton
Thu Sep 14, 2017 9:25 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Customer Service
Replies: 301
Views: 32176

Re: Vanguard Customer Service

Just fyi. Many of Vanguards admiral shares (and investor class shares as well) can be converted to equivalent ETF shares without creating a taxable event. The ETF shares are fully portable and can be transferred in kind to Fidelity, Schwab, etc. Of course the problem with this approach is that you ...
by jhfenton
Thu Sep 14, 2017 6:46 am
Forum: Investing - Help with Personal Investments
Topic: How often do you put money in Vanguard
Replies: 55
Views: 4269

Re: How often do you put money in Vanguard

About every two weeks, on average, to our Roth IRAs and to taxable. I couldn't care less about small lots in taxable. I track my total basis to make sure Vanguard doesn't make any big errors, but otherwise I rely on Vanguard to keep track of those for me. (In a pinch, I have PDFs of all of our old s...
by jhfenton
Tue Sep 12, 2017 7:42 am
Forum: Investing - Help with Personal Investments
Topic: first time CD through V Brokerage: any cautions?
Replies: 9
Views: 1224

Re: first time CD through V Brokerage: any cautions?

With a brokerage CD bought in the secondary market, you need to be aware than the quoted Yield to Maturity or Yield to Worst are calculated without including the commission that you may be charged on the transaction. Due to the commission, the yield for you will be less than the quoted yield. The l...
by jhfenton
Mon Sep 11, 2017 2:41 pm
Forum: Personal Consumer Issues
Topic: Feeling guilty for buying a new iPad pro
Replies: 30
Views: 2389

Re: Feeling guilty for buying a new iPad pro

No. I wouldn't, as long as you are hitting your savings goals. I have an iPad Air 2, and it has a small crack in the screen. I really like the looks of the iPad Pro 10.5", and I will undoubtedly buy one in the next year. In the past, I had an iPad 2. I later gave it to my wife and bought an iPad (3r...
by jhfenton
Mon Sep 11, 2017 2:34 pm
Forum: Personal Consumer Issues
Topic: Equifax - credit freeze is now free?
Replies: 60
Views: 7215

Re: Equifax - credit freeze is now free?

I have a screenshot from the company stating ""You will be forfeiting your right to bring or participate in any class action" I tried to upload a picture of it, but I am not sure how to. From their updated web page on the situation: We’ve added an FAQ to our website to confirm that enrolling in the...
by jhfenton
Mon Sep 11, 2017 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: first time CD through V Brokerage: any cautions?
Replies: 9
Views: 1224

Re: first time CD through V Brokerage: any cautions?

1. The FDIC insurance is per issuing bank. You can use the FDIC# on each CD to keep track of your per-bank totals because sometimes names change. 2. The bid-ask spread is the difference between the 103.410 ask you list and the 102.240 bid. The spreads are fairly sizable on brokered CDs, and once you...
by jhfenton
Sun Sep 10, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: Funds missing from Proxy voting forms
Replies: 8
Views: 756

Re: Funds missing from Proxy voting forms

I received and my wife received messages and emails with links to our voting forms for our Vanguard brokerage accounts in mid-August. A couple weeks later I received a message from Fidelity with a link to a voting form for Vanguard Mid-Cap Value Index Admiral in my 401(k). I still have not received ...
by jhfenton
Wed Sep 06, 2017 10:06 am
Forum: Personal Finance (Not Investing)
Topic: When calculating net worth, how do you value your house?
Replies: 167
Views: 8704

Re: When calculating net worth, how do you value your house?

#1: If you made me calculate net worth, I would include the value of our cars and net value of our house.

But #2: I don't calculate net worth.
by jhfenton
Thu Aug 31, 2017 1:49 pm
Forum: Investing - Help with Personal Investments
Topic: Would you DCA from S&P 500 to TSM?
Replies: 13
Views: 1187

Re: Would you DCA from S&P 500 to TSM?

All at once. Today would be a great day to do it. :happy Today might not be the best day. At the moment, it looks like the opposite of the situation livesoft described, with small cap up quite a bit more than the S&P 500. At the moment, M* shows M* US Market up 63 bp and the S&P 500 up 57 bp. It's ...
by jhfenton
Thu Aug 31, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard Total Intl Index Fund:ADMRL vs INVESTOR
Replies: 8
Views: 1271

Re: Vanguard Total Intl Index Fund:ADMRL vs INVESTOR

I was under the impression the difference between Admiral shares and Investor shares was the expense ratio. In looking at the funds side by side I see the investor shares are (currently) 17.23 a share and Admiral 28.82. Why is there a difference in the share cost if the difference is just the expen...
by jhfenton
Thu Aug 24, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Announces Plans To Launch Total Corporate Bond ETF
Replies: 41
Views: 6307

Re: Vanguard Announces Plans To Launch Total Corporate Bond ETF

It's an interesting structure, and I understand why they're doing it the way they are. The structure, though, makes it less attractive, as I prefer bond mutual funds. But I doubt I would invest in it anyway, as I prefer to slice up my bond allocation. I currently own VSIGX (Intermediate Treasury/Gov...
by jhfenton
Thu Aug 24, 2017 12:53 pm
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 19024

Re: Vanguard Vote By Proxy

So I voted on these measures and voted against everything. Am I wrong to think that this is a legal, backdoor way on the part of Vanguard Management to take the Index out of Index Funds and incorporate active management into them? Not trying to be paranoid here. It just seems this is what's going, ...
by jhfenton
Wed Aug 23, 2017 9:06 am
Forum: Personal Consumer Issues
Topic: Crashplan for Home ending service late 2018
Replies: 92
Views: 7036

Re: Crashplan for Home ending service late 2018

I just received my email from them. They are extending existing licenses an extra 60 days, which is nice. I was going to expire in January 2018, now March. Additionally, you can convert you license to their Small Business plan, which is quite expensive ($10/month per machine). However for 12 months...
by jhfenton
Fri Aug 18, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Did Chase Apply My "Additional Principal" Payment Legally?
Replies: 41
Views: 2366

Re: Did Chase Apply My "Additional Principal" Payment Legally?

I ran into this with Honda Financial in the manner that they were applying my payments. Any extra I was paying was not immediately reducing principal, and was instead being treated as "paid ahead" meaning I could pay less with my next payment. This resulted in no benefit for me. I found out in orde...
by jhfenton
Fri Aug 18, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: WSJ - ... Stop Index Trackers [from] Eating the Economy
Replies: 23
Views: 3121

Re: WSJ - ... Stop Index Trackers [from] Eating the Economy

And what the heck is this? The problem crops up again and again in finance. It makes sense to be a free rider on someone else’s work, but once everyone realizes that, there is no one left to do the work. In markets, the work is identifying which companies will do best, which harnesses greed to deli...
by jhfenton
Thu Aug 17, 2017 1:46 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Bond - Should I sell?
Replies: 13
Views: 1251

Re: Inherited Bond - Should I sell?

NO - Don't sell it; it will be called at the first calling date. I have/had a lot of Muni bonds and they are ALL being called at first calling date; even the ones with 4.125% and lower ratings than your bond. I don't know whether I would sell it or not. As I said, it would depend on the offer I rec...
by jhfenton
Wed Aug 16, 2017 8:15 pm
Forum: Investing - Help with Personal Investments
Topic: A modified VTSAX
Replies: 6
Views: 776

Re: A modified VTSAX

You should just buy the large cap value index fund. Of course down the road, one or more of those companies may actually become a value stock again... If you buy VLUE (iShares Edge MSCI USA Value Factor ETF), a sector-neutral value fund, AAPL is, in fact, the largest holding and has been through th...
by jhfenton
Wed Aug 16, 2017 12:10 pm
Forum: Investing - Help with Personal Investments
Topic: Do you manage your asset allocation like a Target Fund?
Replies: 20
Views: 1534

Re: Do you manage your asset allocation like a Target Fund?

No. I want an asset allocation that is heavily tilted to small-caps and to value equities with US:foreign about 50:50. Target funds don't go for that kind of asset allocation except maybe DGSIX is closer than some. However, DGSIX trails behind what I can do by myself. +1 for us. Also, I never want ...
by jhfenton
Wed Aug 16, 2017 11:52 am
Forum: Investing - Theory, News & General
Topic: Dumb, basic question about market-cap weighted funds?
Replies: 57
Views: 4026

Re: Dumb, basic question about market-cap weighted funds?

Thanks to all for taking the time to explain the mechanics a bit more and the logic behind them. I think jbolden1517 probably identified the disconnect between me and this style of investing. I dislike paying full price for anything and especially dislike paying a premium, and it feels like market-...
by jhfenton
Wed Aug 16, 2017 11:40 am
Forum: Investing - Help with Personal Investments
Topic: A modified VTSAX
Replies: 6
Views: 776

Re: A modified VTSAX

I would agree with The Wizard. You can just do small and mid and avoid the large growth companies you listed. I invest in Vanguard Mid-Cap Value (VMVAX) and Vanguard Small-Cap Value (VSIAX). At this point, I don't own any U.S. large caps. I could add a U.S. large value fund too, but I decided to kee...
by jhfenton
Wed Aug 16, 2017 11:22 am
Forum: Investing - Help with Personal Investments
Topic: Inherited Bond - Should I sell?
Replies: 13
Views: 1251

Re: Inherited Bond - Should I sell?

There are currently no bids or asks listed for this muni bond. It appears that the last trade was in mid-May at 113.44 with a YTW of 1.897% (qty $125,000). I would certainly request a bid from Vanguard, but I would look at the bid before making a decision to sell. If I got a bid at 108, I'd probably...
by jhfenton
Wed Aug 16, 2017 10:10 am
Forum: Investing - Help with Personal Investments
Topic: what % of international stock
Replies: 31
Views: 1806

Re: what % of international stock

You are going to get answers from zero to fifty percent in international. Actually, I went to 55% international at the end of last year (December) because of the difference in valuations and the jump in the dollar after the election. Yes, it was a bit of market timing, but "over-rebalancing" is per...
by jhfenton
Tue Aug 15, 2017 12:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguards online fraud policy - remember username -iPhone App?
Replies: 16
Views: 2104

Re: Vanguards online fraud policy - remember username -iPhone App?

Exactly. You wouldn't think of storing this information on a computer. Why would you store it in a phone app? In fact I'd sooner store it in my computer's browser than I would a phone app. At least I know I'm not gonna go away and leave the computer sitting in a booth in a bar somewhere. No crook i...
by jhfenton
Tue Aug 15, 2017 11:45 am
Forum: Personal Consumer Issues
Topic: Is $9000 too much for a sectional sofa ?
Replies: 130
Views: 8584

Re: Is $9000 too much for a sectional sofa ?

Can I drive it to work? If not, then it is too much. :beer
by jhfenton
Tue Aug 15, 2017 7:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard seeks corporate disclosure re climate change risks
Replies: 2
Views: 518

Re: Vanguard seeks corporate disclosure re climate change risks

As long it's just a disclosure of market and regulatory risks, I don't see an issue. It doesn't have to be a political statement. Companies are required to disclose all sorts of material risks, many of which are purely political/legal/regulatory.
by jhfenton
Tue Aug 15, 2017 7:38 am
Forum: Investing - Theory, News & General
Topic: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."
Replies: 87
Views: 19024

Re: "Vanguard fund shareholders encouraged to vote as proxy campaign gets under way."

Vanguard opened an important 3-month voting campaign today with the filing of its final proxy statement with the U.S. Securities and Exchange Commission. Vanguard is asking shareholders to elect the trustees of its funds and to approve several policy changes across its U.S.-domiciled fund lineup. ....
by jhfenton
Mon Aug 14, 2017 3:00 pm
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3511

Re: Your Movie Collection?

Considering that I haven't bought a physical cd in probably over a decade I'm not really sure why I keep buying physical movies. I do occasionally. Often it is the cheapest way to buy an album. Often, an album will be $7.99-9.99 on iTunes or for the MP3 album on Amazon, but will cost $4.39 for the ...
by jhfenton
Sun Aug 13, 2017 9:35 pm
Forum: Investing - Theory, News & General
Topic: Wealthfront now uses VTEB (Vanguard Tax-Exempt Bond) as its default muni ETF
Replies: 3
Views: 854

Re: Wealthfront now uses VTEB (Vanguard Tax-Exempt Bond) as its default muni ETF

MUB has been around for a decade and is the grand-daddy of the category with $8.67B in assets. VTEB was launched two years ago, following the same index as MUB and substantially undercutting its expense ratio. Initially, though, Wealthfront shied away from using a new, low-asset, less liquid fund. A...
by jhfenton
Sun Aug 13, 2017 7:37 am
Forum: Personal Consumer Issues
Topic: Your Movie Collection?
Replies: 43
Views: 3511

Re: Your Movie Collection?

We own and buy quite a few blu-rays and a tiny number of legacy DVDs. (At this point, the video quality of DVD content is so poor--720x480 at best--that there is no point in watching them if there is any alternative.) As soon as I get a new blu-ray movie or TV show, I back up the movie or TV episode...
by jhfenton
Sun Aug 13, 2017 6:36 am
Forum: Personal Consumer Issues
Topic: E-delivery of transaction confirmations
Replies: 12
Views: 957

Re: E-delivery of transaction confirmations

Same here, and since I was a new customer when I signed us up, we have never once received a snail mail confirmation from Vanguard. I have bought and sold mutual funds, ETFs, brokered CDs, treasury bonds, TIPs, and corporate bonds inside our IRAs. I have bought and sold mutual funds and ETFs in our...