Search found 2892 matches

by jhfenton
Thu Feb 16, 2017 8:47 pm
Forum: Investing - Help with Personal Investments
Topic: Upgraded Vanguard Brokerage Account
Replies: 5
Views: 1163

Re: Upgraded Vanguard Brokerage Account

The biggest advantage is being able to sell an ETF (or stock) and use the proceeds to buy a Vanguard mutual fund on the same day. You don't have to wait 3 days for the trade to settle and a 4th day for the cash to transfer to your mutual fund money market account. (You can, of course, go the other d...
by jhfenton
Thu Feb 16, 2017 8:10 pm
Forum: Personal Finance (Not Investing)
Topic: converting Vanguard Total Stock Fund to ETF
Replies: 18
Views: 2262

Re: converting Vanguard Total Stock Fund to ETF

I'm going to assume that you're using specific identification. Let's say that on a date in the past you bought $1,000 of VTSAX at a price of $50.00 per share. You have a tax lot of 20.000 shares of VTSAX at $1,000. As of close today, that lot of 20.000 shares is worth $1178.80 But let's say that ear...
by jhfenton
Thu Feb 16, 2017 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 5112

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

Alrighty, so if I tidy things up a bit and try to stay consistent with the funds, how does this summary table look (will pick exact funds for unlisted cap specifications)? I thought it made sense to balance small-cap value and blend within each account since they have different horizons, but I wasn...
by jhfenton
Thu Feb 16, 2017 2:42 pm
Forum: Investing - Help with Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 956

Re: Help with decision on Fidelity 401k

When I've rolled money over this way and needed to take a check, the check was not made out to me personally, but (in the case of transferring to Vanguard) to "VFTC fbo Whakamole" (VFTC = Vanguard Fiduciary Trust Company.) I could not cash the check even if I wanted to. I did this a number of times...
by jhfenton
Thu Feb 16, 2017 2:39 pm
Forum: Investing - Help with Personal Investments
Topic: Help with decision on Fidelity 401k
Replies: 10
Views: 956

Re: Help with decision on Fidelity 401k

It is not unusual. A lot of 401(k) plans will not do electronic rollovers. And in those cases, it's not unusual for the one exception to be themselves. (Surprise!) I would definitely do an electronic rollover to a Fidelity IRA and then get myself back in the market using ETFs, decide whether (1) you...
by jhfenton
Thu Feb 16, 2017 2:32 pm
Forum: Investing - Help with Personal Investments
Topic: Is 30% stock enough to keep up with (or beat) inflation?
Replies: 39
Views: 4732

Re: Is 30% stock enough to keep up with (or beat) inflation?

I wouldn't go below 25%. I'm not retired, but I'm probably financially independent. I doubt I'll ever go below 50% equity, but we'll see. I may feel differently at 60-70, but I suspect I'll just annuitize some money and still keep plenty of equity. I feel the same way, except that I'd put the floor...
by jhfenton
Thu Feb 16, 2017 12:50 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 8035

Re: Cable and Internet

And Comcast owns some of the largest local stations! And don't forget, they are getting some of those programming fees too other than the delivery fees. Well, the question is whether they own any of your local stations. They own about a dozen NBC stations in large markets and a somewhat larger numb...
by jhfenton
Thu Feb 16, 2017 11:16 am
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 3604

Re: Convince Wife for Honda Odyssey

Why convince her? If she doesn't like it she doesn't like it. There are pros and cons for SUVS and minivans, let her decide what's more important. My wife sounds exactly like her. She got a Pilot and loves it and will drive it for the next 10-15 years and not say a word about another vehicle. Why c...
by jhfenton
Thu Feb 16, 2017 11:06 am
Forum: Personal Finance (Not Investing)
Topic: M* and Vanguard ER Discrepancy
Replies: 3
Views: 295

Re: M* and Vanguard ER Discrepancy

Vanguard lists VBMFX at 16 bps . I'm not sure where you are seeing 20 bps. In the case of VTIAX, M* is listing the upcoming expense ratio as found in the recent annual report published for VTIAX. Vanguard will update the official ER to 11 bps when the new prospectus comes out in a couple of weeks. M...
by jhfenton
Thu Feb 16, 2017 11:01 am
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 8035

Re: Cable and Internet

I agree with your frustration with Comcast. After they added $7/month to my bill for local broadcasting I decided to cut as many ties with them as possible. How can they charge me for broadcasting free local channels? Because the local stations charge them for rebroadcasting their feeds. And it pro...
by jhfenton
Thu Feb 16, 2017 8:55 am
Forum: Investing - Help with Personal Investments
Topic: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?
Replies: 60
Views: 5112

Re: New to investing (25 yr/old). Diverse Vanguard Portfolio? Overlaps I am missing?

I slice and dice myself, but that's a bit too much complexity and overlap for my taste. I limit myself to one fund per asset class if at all possible. I'd move all of the small value into the Roth because it's not as tax-efficient. Maybe the international too just to keep the taxable account simpler...
by jhfenton
Thu Feb 16, 2017 8:38 am
Forum: Investing - Help with Personal Investments
Topic: Why am I not tracking my indices?
Replies: 16
Views: 1103

Re: Why am I not tracking my indices?

I don't know whether your IRR calculation is correct, but it's quite possible if you're still in accumulation mode that the difference is due to the timing of cash flows. If your starting balance is $100,000 and you contribute $26,000 evenly throughout the year, your personal return on the $100,000 ...
by jhfenton
Thu Feb 16, 2017 7:59 am
Forum: Investing - Theory, News & General
Topic: How to find the share price history of a fund?
Replies: 11
Views: 1059

Re: How to find the share price history of a fund?

Do you mean like this: https://finance.yahoo.com/quote/VTSAX/history?ltr=1 Thanks "TareNeko" That's exactly what I was looking for. Is that data available on Morningstar or on the Vanguard Web Site? Thanks again, j . . . . "neko. . " cat? On the Vanguard fund profile page, select the Price & Perfor...
by jhfenton
Wed Feb 15, 2017 7:39 pm
Forum: Investing - Help with Personal Investments
Topic: Is VTIVX safe?
Replies: 21
Views: 11180

Re: Is VTIVX safe?

I am pretty new at "investing" and I have put a substantial amount on VTIVX (Target Retirement 2045), and I have already lost probably 15% - 20% of what I have put in. I will admit it is highly stressful, and I have thought of selling, but I do know the buy and hold mantra that is preached here. Bu...
by jhfenton
Wed Feb 15, 2017 12:44 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 515

Re: The VIX

A low VIX means that SPX (S&P 500 options) are cheap, meaning that expected volatility for the next month is low. It tends to be the case that a low VIX implies a rising market, but you could have a market that is rising erratically with a somewhat higher VIX. The expected volatility would lead to m...
by jhfenton
Wed Feb 15, 2017 12:32 pm
Forum: Investing - Theory, News & General
Topic: The VIX [Volatility index]
Replies: 3
Views: 515

Re: The VIX

The VIX is still very low in absolute terms, and I don't find it surprising that traders would price in a bit of volatility after what looks to be a 6th straight day of market gains and 5th straight day of record highs (based on my global portfolio).
by jhfenton
Wed Feb 15, 2017 10:53 am
Forum: Investing - Help with Personal Investments
Topic: VYM vs. VTV ... Looking for a Large Cap Value ETF
Replies: 6
Views: 1253

Re: VYM vs. VTV ... Looking for a Large Cap Value ETF

I'd prefer VTV to VYM, but I'm not a fan of either as a large value fund. If I had to buy a large value ETF, I'd look at VLUE (iShares MSCI USA Value). It is a sector-neutral deep value fund. I used to have some, before my growing 401(k) balance and HSA balance and their limited investment options f...
by jhfenton
Wed Feb 15, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Callable brokered CDs?
Replies: 3
Views: 534

Re: Callable brokered CDs?

They're usually a bad idea because of the heads-I-lose-tails-you-win problem Call_Me_Op cites. But I did buy a small lot of one 2/2015 to 02/2021 secondary-market callable step coupon CD last October. It was priced well below par, such that it was really a heads-I-win-tails-I-win-more situation. The...
by jhfenton
Tue Feb 14, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Why Bull and Bear?
Replies: 11
Views: 1298

Re: Why Bull and Bear?

BogleMelon wrote:I meant Bull. English is my second language :happy
:sharebeer No worries. One of my life ambitions is to butcher as many languages as possible.
by jhfenton
Tue Feb 14, 2017 3:42 pm
Forum: Investing - Theory, News & General
Topic: Why Bull and Bear?
Replies: 11
Views: 1298

Re: Why Pull and Bear?

What is a Pull? :beer

(I don't know the origin of "bull" and "bear" without Googling it.)
by jhfenton
Tue Feb 14, 2017 3:31 pm
Forum: Personal Consumer Issues
Topic: Scary bed bug addendum on lease - should I walk away?
Replies: 30
Views: 5120

Re: Scary bed bug addendum on lease - should I walk away?

I would demand deposit back and not lose it. Or they can change the lease to something less onerous. Despite that agent saying the lease is not modifiable, I would not believe that. +1 If you haven't signed the least yet, you should absolutely demand and receive your deposit back. And there is no w...
by jhfenton
Tue Feb 14, 2017 1:04 pm
Forum: Investing - Theory, News & General
Topic: What are the best Vanguard ETF's for an aggressive Roth IRA?
Replies: 9
Views: 5281

Re: What are the best Vanguard ETF's for an aggressive Roth IRA?

If you believe in factor and size premiums, you might use: VBR- Vanguard US small cap value VSS- Vanguard international small cap Riskier, with corresponding higher long term expected return and higher volatility. I would argue a good use of tax-free space, assuming you have a long term investing h...
by jhfenton
Tue Feb 14, 2017 1:01 pm
Forum: Personal Finance (Not Investing)
Topic: term life insurance expiring
Replies: 5
Views: 741

Re: term life insurance expiring

If you're healthy, you can always do better than the guaranteed-renewable rates you get at the expiration of term policies. My wife and I are 10 1/2 years into our 20-year term policies ($900,000 each). We will probably not need either at their expiration, as our younger child should be in her last ...
by jhfenton
Tue Feb 14, 2017 9:43 am
Forum: Investing - Help with Personal Investments
Topic: Forbes Article - Best Vanguard funds for retirement
Replies: 12
Views: 2389

Re: Forbes Article - Best Vanguard funds for retirement

No. They are all decent funds, but they are hardly Vanguard's "best funds for retirement." I own VFIAX in my HSA, but that's because it's the best of limited fund choices. All else being equal, I'd pick Vanguard Total Stock Market for my large-blend exposure. I would never own either of the dividend...
by jhfenton
Mon Feb 13, 2017 9:48 pm
Forum: Investing - Theory, News & General
Topic: Please list value funds you currently use
Replies: 62
Views: 6748

Re: Please list value funds you currently use

US SCV: VSIAX
US MCV: VMVAX

I might not own MCV, but my 401(k) has VMVAX, but no small-cap value.

That's it for explicit value funds. Everything else is blend:

US LCB: VFIAX
ILB: VTMGX
ISB: VSS/VFSVX
IEMB: VWO/VEMAX
by jhfenton
Mon Feb 13, 2017 9:40 pm
Forum: Personal Consumer Issues
Topic: Cable and Internet
Replies: 54
Views: 8035

Re: Cable and Internet

FYI you don't need blast 100mbps internet unless you make it a habit of acting as a server downloading and uploading tons of files. 10mbps is perfectly fine to stream HD to multiple devices. Had I not gotten the deal I would have downgraded to the $49.99 10mbps deal without HBO Go 10 Mbps is not pe...
by jhfenton
Sun Feb 12, 2017 8:28 pm
Forum: Investing - Theory, News & General
Topic: Schwab lowers fees. Lowest out there?
Replies: 8
Views: 1334

Re: Schwab lowers fees. Lowest out there?

Schwab is fine, as a broker and an ETF sponsor. I have no issues with Schwab. The same goes for BlackRock/iShares and Fidelity. But I'd suggest two other factors to consider when evaluating Schwab (or iShares): 1. Find out what Schwab does with securities lending revenue. Vanguard returns 100% of it...
by jhfenton
Sun Feb 12, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: In stock performance statistics or graphs, how are dividends taken into account?
Replies: 4
Views: 522

Re: In stock performance statistics or graphs, how are dividends taken into account?

With a mutual fund, it's almost always a growth chart, which will include dividends as if they were reinvested. If you look on a stock-centric site, you may find price charts, which will not include reinvested dividends. Price charts obviously don't tell the whole story for long-term investors. (And...
by jhfenton
Sun Feb 12, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 830

Re: Do some serious TLH in FEB?

Perhaps I wasn't clear in my post. I've already realized the gains but have more than an equal amount of UNREALIZED LOSSES to absorb these gains. Please fire-away if this changes your thoughts at all. Thanks so much. Be Well, fmhealth Doesn't change my thoughts at all. I will say that I have 6-figu...
by jhfenton
Sun Feb 12, 2017 5:57 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 830

Re: Do some serious TLH in FEB?

Perhaps I wasn't clear in my post. I've already realized the gains but have more than an equal amount of UNREALIZED LOSSES to absorb these gains. Please fire-away if this changes your thoughts at all. Thanks so much. Be Well, fmhealth I thought you were clear. :beer And I would absolutely TLH now. ...
by jhfenton
Sun Feb 12, 2017 5:45 pm
Forum: Investing - Help with Personal Investments
Topic: Do some serious TLH in FEB? [Tax Loss Harvesting in February]
Replies: 11
Views: 830

Re: Do some serious TLH in FEB?

I have realized some very significant gains($120,000) so far in '17. I can absorb these gains now by realizing an equal amount of losses. Is this a strategy that you would embrace at this point in time? Thanks for any sage insights. Be Well, fmhealth Yes. Absolutely. If you have already realized th...
by jhfenton
Sun Feb 12, 2017 11:05 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 32744

Re: The Wall Street Journal to close Google loophole entirely

Their consumer protection is practically non-existent compared to a credit card. I deleted my bank account information from PayPal several years ago--because I simply don't trust them with it--leaving only the option to pay through PayPal with a credit card. And I still avoid using PayPal if I can ...
by jhfenton
Sun Feb 12, 2017 10:34 am
Forum: Forum Issues and Administration
Topic: [Bogleheads Sites Are Ad-Free]
Replies: 45
Views: 4851

Re: [Bogleheads Sites Are Ad-Free]

# 3 Do an annual or semi-annual week-long fundraising blitz with a prominent banner at the top a la wikipedia or +1 The wikipedia style of fundraising seems to make the most sense. It would simply be an occasional reminder to donate. I would also suggest setting up the ability to make a recurring d...
by jhfenton
Sun Feb 12, 2017 10:16 am
Forum: Personal Consumer Issues
Topic: The Wall Street Journal to close Google loophole entirely
Replies: 169
Views: 32744

Re: The Wall Street Journal to close Google loophole entirely

If one decides to pay for a subscription, I would not recommend giving WSJ your PayPal account for payment. After my subscription ended, they continued to withdraw funds without notice from my PayPal account. It has taken me too many hours trying to work the issue with PayPal. It's made me rethink ...
by jhfenton
Sun Feb 12, 2017 9:22 am
Forum: Personal Finance (Not Investing)
Topic: Pesky TIRA pocket change
Replies: 6
Views: 545

Re: Pesky TIRA pocket change

I'm wondering the same thing. Why not just contribute $5,500 and convert $5,507 next year? So you pay tax on $7? No big deal. You'd pay it in your second scenario too. There's no $5,500 limit on conversions.
by jhfenton
Sun Feb 12, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: Wash Sale Rule Apply to Vanguard Target Funds?
Replies: 14
Views: 2297

Re: Wash Sale Rule Apply to Vanguard Target Funds?

In my reading of the wash sale rules, their intent and implementation (most of which has been here: http://fairmark.com/capgain/wash/index.htm), it seems to me that the wash sale rules map imperfectly from individual securities to mutual funds — which are essentially baskets of individual securitie...
by jhfenton
Sun Feb 12, 2017 9:16 am
Forum: Forum Issues and Administration
Topic: welcome home bogleheads.org
Replies: 30
Views: 4369

Re: welcome home bogleheads.org

Very cool, Larry. Thanks for all of your hard work.

I love data centers. My employer spun off CyrusOne a few years ago, and I got to visit one of theirs.
by jhfenton
Sun Feb 12, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 3730

Re: Is Guam in Ohio? [Tax-exempt bond fund holding]

I would be very concerned about any holdings in Guam. I am surprised Vanguard continues to hold Guam bonds. Congress even highlighted the issue. Personally, the risk is too great for me. Here is the Congressional hearing on the subject: https://youtu.be/bs23CjIWMgA I understand your concern, but a ...
by jhfenton
Sun Feb 12, 2017 8:53 am
Forum: Investing - Theory, News & General
Topic: Wash Sale Rule Apply to Vanguard Target Funds?
Replies: 14
Views: 2297

Re: Wash Sale Rule Apply to Vanguard Target Funds?

Hi folks! I've read the threads about whether or not tax-advantaged retirement accounts are prone to wash sales if you attempt to tax loss harvest. To play it safe, I just would assume that holdings in retirement accounts can trigger wash sales, even 401ks/403bs. Would a Vanguard Target Retirement ...
by jhfenton
Sat Feb 11, 2017 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: How does 401K match vesting work?
Replies: 9
Views: 811

Re: How does 401K match vesting work?

I wouldn't say there is a high probability, but the probability is at least non-zero! Regarding the contributions, if I want to contribute the maximum per year, I would effectively be paying 9K pre-tax each year and the company would match that by depositing 9K into my 401K. Now let's say I leave a...
by jhfenton
Fri Feb 10, 2017 7:27 pm
Forum: Personal Consumer Issues
Topic: Convince Wife for Honda Odyssey
Replies: 48
Views: 3604

Re: Convince Wife for Honda Odyssey

We love our 2012 Honda Odyssey. It carries so many more people or so much more gear than an SUV. It drives like a car. It's easy for my wife's disabled mother and grandmother to get in and out of, even with grandma's recently fractured hip. The full-sized third row seats are comfortable for adults, ...
by jhfenton
Fri Feb 10, 2017 2:12 pm
Forum: Personal Consumer Issues
Topic: Anyone RingtoTinging?
Replies: 10
Views: 994

Re: Anyone RingtoTinging?

I still have my 12-year-old daughter's low-use used iPhone 5 on RingPlus, and I'm probably just going to leave it on Ting until her birthday in June. It won't cost much to add her on to the family Verizon plan with my wife and son, but we'll need to get her a (new) Verizon-compatible phone to do it....
by jhfenton
Fri Feb 10, 2017 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: Extremely lazy - just invest in Vanguard target retirement for ROTH, taxable etc?
Replies: 7
Views: 1186

Re: Extremely lazy - just invest in Vanguard target retirement for ROTH, taxable etc?

There is nothing wrong or lazy with being "lazy" and investing in Target Retirement funds, especially in retirement accounts. They are a fantastic choice, and they are what I recommend to almost everyone who asks. (And I say that as someone who personally slices and dices in all of our accounts.) On...
by jhfenton
Fri Feb 10, 2017 11:24 am
Forum: Investing - Theory, News & General
Topic: Why don't stock prices go up on payday?
Replies: 43
Views: 4671

Re: Why don't stock prices go up on payday?

My employer is also fast. Payday is every other Friday (including today), but our 401(k) deferrals were invested yesterday. The purchased shares show up in our account this morning. Our HSA deferrals also show up today, but they have to be swept to the investment account, so they get invested on the...
by jhfenton
Fri Feb 10, 2017 9:16 am
Forum: Investing - Help with Personal Investments
Topic: Four fund share classes for Vanguard Total Stock Market Index, yes there really are four.
Replies: 13
Views: 1766

Re: Four fund share classes for Vanguard Total Stock Market Index, yes there really are four.

I was not aware you could do in kind transfers from 401k to IRA. Is this actually ever done? I really don't think so. I anxiously await any information to the contrary but I suspect that it is a statutory limitation. You can, but plans and custodians frequently don't allow it. I've most commonly se...
by jhfenton
Fri Feb 10, 2017 9:04 am
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 4721

Re: Total Bond is safe. Is it prudent?

Curious if anyone uses Intermediate Term Bond (VBILX admiral, BIV etf, ER .09) instead? Looks like it uses a 50/50 split on government/corporate. Yep, except I would pair it with the short term version to reduce the duration some. (But I don't like long bonds either.) That's one of the reason I do ...
by jhfenton
Fri Feb 10, 2017 8:33 am
Forum: Investing - Theory, News & General
Topic: Total Bond is safe. Is it prudent?
Replies: 39
Views: 4721

Re: Total Bond is safe. Is it prudent?

Curious if anyone uses Intermediate Term Bond (VBILX admiral, BIV etf, ER .09) instead? Looks like it uses a 50/50 split on government/corporate. i slice and dice my bond funds a bit, holding intermediate treasuries and short corporates (and a little in Vanguard's Ohio muni fund). But if I had to h...
by jhfenton
Thu Feb 09, 2017 7:22 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4961

Re: How steep should the glide path be?

I set up a Google spreadsheet to track all this. It tells me any given day what my AA should be (based on market changes) and how far off I am from my AA. The first thing I do is always "rebalance" with new money. I'll look at the spreadsheet when I make new deposits (once per month) and put new fu...
by jhfenton
Thu Feb 09, 2017 7:19 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 3730

Re: Is Guam in Ohio?

AFAIK, interest from obligations issued by Guam, Puerto Rico and the U.S. Virgin Islands is tax-exempt in most states. That is interesting. Do you know the reason for this? It is not what one might expect. I don't know the history, but it's federal law that states cannot tax territory obligations.