Search found 1837 matches

by jhfenton
Tue Dec 08, 2015 9:03 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 4426

Re: Are you able to login to Vanguard this morning?

I can't get access this morning. I can get to the outside page and log in, but then I get the white screen. Same here. I tried different browsers. So did I. I briefly logged on two hours ago on my iPad to check a purchase from yesterday, but now that I'm at work it's not working. Edited: Parts of t...
by jhfenton
Tue Dec 08, 2015 8:53 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 4426

Re: Are you able to login to Vanguard this morning?

I can't get access this morning. I can get to the outside page and log in, but then I get the white screen.
by jhfenton
Mon Dec 07, 2015 4:12 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 8965

Re: [Vanguard Federal Money Market Fund Reopened - MUST USE]

No. Just scan it and transmit it back to Vg. :twisted: :thumbsup https://www.bogleheads.org/forum/viewtopic.php?t=101395 That, for some reason, does *NOT* work with the new combined brokerage. When I try it on the mobile app, I get an error: "Alert: Go to vanguard.com or contact us to transact...
by jhfenton
Mon Dec 07, 2015 12:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 136427

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

I haven't been able to find any amendments to Prospectuses or 8-K filings in EDGAR so far. [If anyone else has a link, please share that with us here. Similarly, if vanguard is providing information to RIAs, etc.--it would be great if they are able to share that with us as well.] Vanguard is issuin...
by jhfenton
Mon Dec 07, 2015 9:31 am
Forum: Personal Consumer Issues
Topic: [Vanguard Online Access Problems]
Replies: 113
Views: 4426

Re: Is VG web site down ?

I had that glitch a few minutes ago, but it reloaded fine after that. And it's OK now.
by jhfenton
Mon Dec 07, 2015 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Long term savings - taxable account?
Replies: 6
Views: 1056

Re: Long term savings - taxable account?

If I were saving to buy a property in 10 years, I would look at a mix of 5-year direct CDs and muni bonds. I wouldn't use equities for this, but I would be willing to take a little interest rate and credit risk. 5-year CDs are offering up to 2.25% now, while Vanguard's intermediate and long-term mun...
by jhfenton
Mon Dec 07, 2015 8:39 am
Forum: Personal Finance (Not Investing)
Topic: use cash only? sick of debit card
Replies: 36
Views: 3408

Re: use cash only? sick of debit card

My wife and I stopped using our debit cards a few years ago after we each separately had fraudulent charges show up from cloned cards. (My card's clone went on a shopping spree in Florida.) We got the money back quickly, but it was disconcerting to have money disappear from our checking. We still do...
by jhfenton
Mon Dec 07, 2015 6:47 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 8965

Re: [Vanguard Federal Money Market Fund Reopened - MUST USE]

and they won't cut checks for $0.01 balances. If you sell to a $0 balance sending the money via ACH to your bank and you are owed a 1 cent dividend, Vanguard will mail you a check. I have received two such checks this year, oops. Now I keep some trivial amount of money there. Not for your sweep MMF...
by jhfenton
Sun Dec 06, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 8965

Re: [Vanguard Federal Money Market Fund Reopened - MUST USE]

I agree with keeping a $1 in the settlement fund. I don't think Vanguard would close out a settlement fund for having zero balance, because having a settlement fund is a requirement for having a brokerage account. Nevertheless it's not worth the hassle of finding out, or having 1 cent checks genera...
by jhfenton
Sun Dec 06, 2015 8:34 pm
Forum: Investing - Theory, News & General
Topic: Will VTWSX get Admiral Class Shares?
Replies: 6
Views: 1989

Re: Will VTWSX get Admiral Class Shares?

I keep asking myself the same thing about VFSVX (Vanguard FTSE All-World ex-US Small-Cap Index Fund Investor Shares) at 37 bp. I have enough in the VSS ETF class shares at 19 bp that the Investor shares would cost me $150 more per year, give or take. They do offer Institutional Shares at 18 bp, but ...
by jhfenton
Sun Dec 06, 2015 3:28 pm
Forum: Investing - Theory, News & General
Topic: "Duration" of S & P 500 (as of 3-4-16)
Replies: 81
Views: 7787

Re: "Duration" of S & P 500 (as of 12-04-15)

hbgpharmd wrote:So if duration of a stock equals 1 divided by dividend yield, then the duration of stocks that don't pay dividends is infinity? Or maybe negative infinity...

Proof Berkshire Hathaway is worthless. :beer
by jhfenton
Sun Dec 06, 2015 1:12 pm
Forum: Personal Consumer Issues
Topic: Holiday tipping: letter carriers
Replies: 120
Views: 10453

Re: Holiday tipping: letter carriers

Tips are for folks who provides a personal service with whom I have an actual relationship. I haven't a clue who our letter carrier is or if we even have a regular one. If I was home and knew our carrier and interacted with him or her on a regular basis, I would consider it.
by jhfenton
Sat Dec 05, 2015 10:04 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund incorrect price?
Replies: 13
Views: 1159

Re: Mutual fund incorrect price?

Is the difference between the funds the type of indexes (price vs. total return) or something else? I don't know. If you look at a chart , there's no difference in performance either, between NMSAX and VIOO, that is not explained by the higher expense ratio of NMSAX. I'm not sure what the Columbia ...
by jhfenton
Sat Dec 05, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 8965

Re: Vanguard Federal Money Market Fund Reopened

... The $100 billion Prime MMF is going to experience some chaos, which hopefully Vanguard has planned out. For me, I think I'll make the switch before the deadline, to avoid some possible chaos ... Anyone know how to change their preferred settlement fund in the upgraded brokerage accounts? I didn...
by jhfenton
Sat Dec 05, 2015 9:57 am
Forum: Investing - Theory, News & General
Topic: [Vanguard Federal Money Market Fund Reopened - MUST USE]
Replies: 77
Views: 8965

Re: Settlement fund for Vanguard brokerage

I was already looking to change from the TE MMF to prime for my settlement fund. When I set up our accounts in October, I picked TE MMF for our taxable account, because I assumed that made sense. But I noticed recently that the SEC yield on Prime is 0.12% compared to 0.01% on TE MMF. There's no tax ...
by jhfenton
Fri Dec 04, 2015 10:50 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund incorrect price?
Replies: 13
Views: 1159

Re: Mutual fund incorrect price?

This is absolutely not normal for an S&P500/400/600 index fund. There is very limited turnover in the indexes, and there should be correspondingly low turnover in funds following the indexes. A well-managed S&P500/400/600 index fund should have close to zero capital gains distributions in a ...
by jhfenton
Fri Dec 04, 2015 10:27 pm
Forum: Investing - Theory, News & General
Topic: Mutual fund incorrect price?
Replies: 13
Views: 1159

Re: Mutual fund incorrect price?

Today was the ex-dividend date per the Columbia 2015 Year-End Capital Gain and Ordinary Income Distributions report (PDF). NMSAX had a LTCG distribution of $1.42132 and income of $0.20809, so it wasn't really down $1.40, it was up about $0.22 (1.05%). NTIAX had a LTCG distribution of $0.91904 and in...
by jhfenton
Fri Dec 04, 2015 8:45 pm
Forum: Investing - Theory, News & General
Topic: Tax loss/ wash sale question
Replies: 7
Views: 953

Re: Tax loss/ wash sale question

I think I understand what a wash sale is, that you cannnot purchase Fund A, 30 days prior or after in your taxable and tax free account. Unless you sell all the shares in both accounts? Is that correct? Also let's say I have Fund A, but in both tax free and taxable accounts. I tlh the fund in my ta...
by jhfenton
Fri Dec 04, 2015 7:31 pm
Forum: Investing - Theory, News & General
Topic: New Vanguard Index Funds Go Abroad for Dividends
Replies: 5
Views: 1463

Re: New Vanguard Index Funds Go Abroad for Dividends

Interesting. I wonder if the dividend focus will result in a de facto value tilt. I guess I need to research the indexes involved. Thanks! Edited: Here's the original Vanguard press release that I missed. Edited: The indexes are new, but there existing U.S. versions of the indexes. VIG (Vanguard Div...
by jhfenton
Fri Dec 04, 2015 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Compareable funds to SCHE and SCHF for TLH... Also when before div or after?
Replies: 7
Views: 761

Re: Compareable funds to SCHE and SCHF for TLH... Also when before div or after?

You could also buy an ETF like SCHB and then make a corresponding transfer from domestic stock to international stock in a non-taxable account, keeping in mind "substantially similar" investments that could trigger a wash sale. Just to clarify, the standard is "substantially identica...
by jhfenton
Thu Dec 03, 2015 9:07 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 136427

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

I wouldn't conclude from the self-serving and very careful wording from Danon's attorney, Sorenson, that California has opened a criminal tax investigation. He said that the franchise tax board received the allegations and forwarded them to the criminal investigations division for review. That doesn...
by jhfenton
Thu Dec 03, 2015 8:57 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 48497

Re: Vanguard not offering Reduced price TurboTax anymore

livesoft wrote:Yep, just wait until Vanguard stops sending the free coffee mug to new Flagship customers.

Wait! I'm not going to get a free coffee mug?!
by jhfenton
Thu Dec 03, 2015 8:31 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard TurboTax - Not Available 2015?
Replies: 327
Views: 48497

Re: Vanguard not offering Reduced price TurboTax anymore

I'm a new Vanguard customer, so I had no idea what a big deal this was to folks. I've been amazed at the many posts lamenting the loss of the tiny benefit of free mediocre software.
by jhfenton
Thu Dec 03, 2015 4:30 pm
Forum: Investing - Theory, News & General
Topic: Can't Add Vanguard 529 Accounts to Yodlee?
Replies: 3
Views: 913

Re: Can't Add Vanguard 529 Accounts to Yodlee?

It looks like you cant add vanguard products... you know you can can add others (usually family members) to view on your page. Account Maintenance>Security Profile>Account Permissions. FWIW, you have to have the other person grant your account permission from their account. Not the other way around.
by jhfenton
Thu Dec 03, 2015 1:41 pm
Forum: Investing - Theory, News & General
Topic: To Tilt or Not to Tilt - Rick Ferri's Latest
Replies: 88
Views: 12469

Re: To Tilt or Not to Tilt - Rick Ferri's Latest

Kenster1 wrote:Vanguard's ETFs are commission-free only via Vanguard's Brokerage Accounts.

TD Ameritrade has 31 Vanguard ETFs commission-free.
by jhfenton
Wed Dec 02, 2015 9:02 am
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 26088

Re: Vanguard Partnering with Yodlee

We are still not seeing any change to the outside accounts functionality, using my login or my wife's. She has an experimental account overview page, but we both still have the manual outside accounts feature.
by jhfenton
Tue Dec 01, 2015 9:44 pm
Forum: Investing - Help with Personal Investments
Topic: Substantially identical Funds
Replies: 3
Views: 1002

Re: Substantially identical Funds

As dbr said, there are no specific guidelines. Brokers will only report wash sales involving identically identical securities in a single account, but individual taxpayers have to use a little common sense in applying the rules, and we have to report our own wash sales if we trigger the rule. I thin...
by jhfenton
Tue Dec 01, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: Factor tilters: What sectors are you underweight? Do you care?
Replies: 12
Views: 1781

Re: Factor tilters: What sectors are you underweight? Do you care?

Portfolio summary as of this evening for context: Equities 97.4%, Fixed Income 2.6% U.S. is 50.5% of equities: 15.5% Large Value = VLUE (iShares USA Value Factor ETF) (0.15% ER) 1.5% Large Blend = Fidelity US Equity Index Commingled Pool Class 1 (401(k)) (S&P 500 fund at 0.04%) 10.6% Mid Value =...
by jhfenton
Mon Nov 30, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Wash sale dates, tax years
Replies: 1
Views: 216

Re: Wash sale dates, tax years

The wash sale period is 61 days long: 30 days before -> date of sale -> 30 days after. The date of sale is not part of the 30 days before or the 30 days after. So if you sell on December 1, December 1 is Day 0, December 31 is Day 30, and January 1, 2016 is the first safe day to buy back the security...
by jhfenton
Mon Nov 30, 2015 1:22 pm
Forum: Investing - Theory, News & General
Topic: William Bernstein's "The Four Pillars of Investing" on Kindle for $1.99
Replies: 13
Views: 2474

Re: William Bernstein's "The Four Pillars of Investing" on Kindle for $1.99

That's an unusual link. Is it a referral link? Who benefits if I click on it? Edit: Did some additional research. I don't believe it's a referral. smile.amazon.com is usually a referral for a charity. http://www.amazon.com is not. However, this link doesn't have referral information on it. wolf359,...
by jhfenton
Mon Nov 30, 2015 10:41 am
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4651

Re: Are suitcase locks worth it?

I just don't understand the aversion to putting (admittedly not very secure) TSA-compliant locks on suitcases. Sure, they wouldn't deter a determined thief, but they might deter a quick snatch-and-grab. And in some cases (e.g. checking a firearm), as I mentioned earlier, they are legally required. F...
by jhfenton
Sun Nov 29, 2015 9:03 pm
Forum: Investing - Theory, News & General
Topic: Factor Funds (Fees versus Exposure)
Replies: 14
Views: 1797

Re: Factor Funds (Fees versus Exposure)

Has anyone examined the tradeoff between fees and exposure for factor-based funds? I have heard the rationale that some folks are willing to pay higher fees due to get more factor exposure. My understanding of factor exposure is they are empirically derived and returns to the factors vary over time...
by jhfenton
Sun Nov 29, 2015 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Investing in 100% Stocks?
Replies: 46
Views: 4888

Re: Investing in 100% Stocks?

It depends on your emotional reaction to investment gains and losses. My wife and I were essentially 100% stocks until this year. We both hit 45 this year with a mid-to-upper six-figure portfolio, and we decided to gradually start easing the equities allocation back at roughly 2% per year by directi...
by jhfenton
Sun Nov 29, 2015 4:20 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard emerging markets TLH question
Replies: 9
Views: 1079

Re: Vanguard emerging markets TLH question

It would avoid the wash sale rule, because Vanguard Emerging Markets Select and Vanguard Emerging Markets Index are very different funds. Just make sure that you count the 30 days correctly: day 0 = day of sale -> 30 more days pass -> day 31 you can buy the replacement. :beer It makes sense to me, e...
by jhfenton
Sun Nov 29, 2015 3:04 pm
Forum: Personal Consumer Issues
Topic: Are suitcase locks worth it?
Replies: 44
Views: 4651

Re: Are suitcase locks worth it?

This has been an interesting discussion. I had never considered not using suitcase locks. I almost always check a handgun when I fly, so using a TSA-locked, hard-sided suitcase is mandatory. (Alternatively you can use a locked hard gun case inside a soft suitcase, but I just bought hard suitcases to...
by jhfenton
Sat Nov 28, 2015 8:18 pm
Forum: Investing - Theory, News & General
Topic: Factor Funds (Fees versus Exposure)
Replies: 14
Views: 1797

Re: Factor Funds (Fees versus Exposure)

I don't have numbers in front of me, but I've considered it and decided that I will not overpay for "factor" exposure. I've been tilted to value and small for 20 years, and I'm happy to use Vanguard Small Cap Value Index Admiral (VSIAX) in our (Roth) IRAs and Vanguard Mid Cap Value Index A...
by jhfenton
Fri Nov 27, 2015 1:05 pm
Forum: Investing - Help with Personal Investments
Topic: "Substantially Similar Assets" re: Tax Loss Harvesting
Replies: 8
Views: 639

Re: "Substantially Similar Assets" re: Tax Loss Harvesting

As a separate question, since this is essentially just "deferring taxes paid," do many of you partake in tax-loss harvesting? -Allen Absolutely. Most of our assets are in tax-advantaged accounts, so TLHing is not an option. And a majority of our "taxable" assets are in muni fund...
by jhfenton
Fri Nov 27, 2015 12:30 pm
Forum: Investing - Help with Personal Investments
Topic: "Substantially Similar Assets" re: Tax Loss Harvesting
Replies: 8
Views: 639

Re: "Substantially Similar Assets" re: Tax Loss Harvesting

The safe ground does not come from presumptions about what the IRS might eventually consider "substantially identical." The safe ground comes from the fact that the IRS is not enforcing any concept of "substantially identical" when it comes to mutual funds, nor do they seem to h...
by jhfenton
Fri Nov 27, 2015 11:50 am
Forum: Investing - Help with Personal Investments
Topic: "Substantially Similar Assets" re: Tax Loss Harvesting
Replies: 8
Views: 639

Re: "Substantially Similar Assets" re: Tax Loss Harvesting

How "substantially similar" do assets have to be to remove the tax-loss harvesting benefit? As I understand it, you cannot sell mutual fund share at a loss and replace them with (i) the same fund or (ii) a fund that is "substantially similar" within 30 or 60 days. I have VEIEX (...
by jhfenton
Wed Nov 25, 2015 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX -> VTI
Replies: 3
Views: 692

Re: VTSAX -> VTI

Agreed. That is not correct. I would call again.
by jhfenton
Wed Nov 25, 2015 11:36 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 136427

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

It's not tax "evasion." Drop that phrase from the argument. The argument is not as clear cut as the Vanguard detractors claim. ... in the alleged tax evasion? As I stated upthread tax "avoidance" is good business (and investing) practice. Tax "evasion" is a crime subje...
by jhfenton
Wed Nov 25, 2015 11:01 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 136427

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Regardless of the merits of the legal theory, I suspect the truth is that neither NY nor the IRS has any interest in, as Matt Levine said in the article you linked, going after Vanguard for under-charging mutual fund investors. You do not think Vanguard's competitors like Fidelity don't have lobbyi...
by jhfenton
Wed Nov 25, 2015 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Mutual Funds Wash Sale
Replies: 4
Views: 560

Re: Mutual Funds Wash Sale

We know about substantially identical securities and what the book says. But, does anyone have an personal experience with a mutual fund wash/tax loss harvesting? Specifically, I am wondering about an exchange within the same fund family. The funds are similar but do have many different holdings (o...
by jhfenton
Wed Nov 25, 2015 10:37 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 781
Views: 136427

Re: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]

Ugh! As Won The Lottery said on page 6 of this thread things don't look so hot for Vanguard. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143686&start=300#p2634013 When someone with these qualifications: The preceding post comes to us from Reuven S. Avi-Yonah, the Irwin I. Cohn Pro...
by jhfenton
Mon Nov 23, 2015 8:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 26088

Re: Vanguard Partnering with Yodlee

How do you set up Yodlee through Vanguard? I search the Vanguard site and they never gave a link. I thought you have to set up a Yodlee account on their web site, is that not true? Vanguard's FAQ did not seem to answer the most obvious question, what's the link? Under "Outside Investments"...
by jhfenton
Mon Nov 23, 2015 1:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund for Extra Cash / Emergency Fund?
Replies: 15
Views: 2137

Re: Bond Fund for Extra Cash / Emergency Fund?

Not sure where the $150/year comes from. At 3% on $15K, you earn $450/year, while most checking accounts pay no interest, and some even charge fees. I decided long ago that I wasn't going to pay checking account fees, and when I discovered that there are banks that will actually pay me more on a ch...
by jhfenton
Sun Nov 22, 2015 10:49 pm
Forum: Investing - Help with Personal Investments
Topic: Bond Fund for Extra Cash / Emergency Fund?
Replies: 15
Views: 2137

Re: Bond Fund for Extra Cash / Emergency Fund?

Hoops are minimal--mostly just make 10 purchases per month (I do small purchases only, typically $10 or less each so I don't cut into my credit card cash back), and two purchases each month are automatic (Netflix, Kindle unlimited). If you want, you can schedule an automatic monthly transfer from y...
by jhfenton
Sun Nov 22, 2015 10:20 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Partnering with Yodlee
Replies: 153
Views: 26088

Re: Vanguard Partnering with Yodlee

So I can't seem to link Vanguard to Vanguard. I have accounts with different logins. The old way, I could just add them back in under "Outside." This way, I can't. Vanguard doesn't even come up in the list. EDIT: The HSBC Bank 401K is operated by Vanguard and does the trick just fine. How...
by jhfenton
Sun Nov 22, 2015 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard EFT Vs Admiral Shares IRA
Replies: 14
Views: 1439

Re: Vanguard EFT Vs Admiral Shares IRA

With the integrated Vanguard Brokerage Services now, you can place the mutual fund order without waiting for the ETF trade to settle, so if you sell at 3:5x pm and immediately place the mutual fund buy, you can avoid more than a few minutes out of the market. On a side note, I continue to be surpri...

Go to advanced search