Search found 2936 matches

by jhfenton
Thu Apr 12, 2018 10:12 am
Forum: Personal Finance (Not Investing)
Topic: How long do you wait for CC credit/refund to post?
Replies: 9
Views: 529

Re: How long do you wait for CC credit/refund to post?

Thanks for the responses. I am looking at my transactions in real time on the website (including pending and posted transactions). There is no sign that the credit/refund is in the works anywhere that I can see. For some reason, unlike charges, I never see pending credits. They appear when they pos...
by jhfenton
Wed Apr 11, 2018 6:02 pm
Forum: Investing - Theory, News & General
Topic: Emerging markets tilt
Replies: 37
Views: 3348

Re: Emerging markets tilt

Our allocation is similar a few of the previous posters. We're 50% US, 50% ex-US. And of the ex-US, it is roughly half developed, half emerging. To be more specific, 30% of equities are in VSS+VFSVX/Vanguard FTSE All-World ex-US Small Cap and 20% are in emerging markets funds: VWO+VEMAX/Vanguard Eme...
by jhfenton
Wed Apr 11, 2018 9:24 am
Forum: Investing - Help with Personal Investments
Topic: Investor to admiral shares conversion question
Replies: 11
Views: 849

Re: Investor to admiral shares conversion question

In a Vanguard mutual fund account you can do the conversion online. I am using the old style mutual fund account. I don't ever recall seeing this. Is there a special button or something? Yes. I've only done it once, back in December, so I don't remember where it was exactly, but the button appeared...
by jhfenton
Tue Apr 10, 2018 2:46 pm
Forum: Personal Consumer Issues
Topic: New faster DNS - 1.1.1.1 by CloudFlare
Replies: 97
Views: 8007

Re: New faster DNS - 1.1.1.1 by CloudFlare

I have one technical question that I can't find a quick and up-to-date answer to: Do (and how do) third-party DNS services deal with CDNs and local caching servers like Netflix Open Connect, Akamai, etc.? I know my local/regional ISP--whom I work for--has numerous local caching servers. Netflix, Ama...
by jhfenton
Tue Apr 10, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 6210

Re: Factor Investing - I convincing article

jhfenton wrote: 5 years of underperformance! I'm convinced. :oops: Or perhaps, I'll stick with what has overperformed for me for more than 20 years. Come on, don't leave us in suspense, what is your secret overperformance strategy? For those who aren't familiar with John Bogle's classic Tell Tail C...
by jhfenton
Tue Apr 10, 2018 9:52 am
Forum: Investing - Theory, News & General
Topic: Factor Investing - A convincing article
Replies: 67
Views: 6210

Re: Factor Investing - I convincing article

5 years of underperformance! I'm convinced. :oops:

Or perhaps, I'll stick with what has overperformed for me for more than 20 years.
by jhfenton
Tue Apr 10, 2018 9:38 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 258
Views: 36020

Re: New HSA provider Lively offers investments for $30/yr fee

Does your employer pick up the hsa service fee? For me, it is scalable by cash balance. anywhere from $0 (balances over $4k) to $3.50 (balances under $500). They apparently do. I see the fee and sliding scale further down the fee schedule in my account, but it is not listed at the top under the app...
by jhfenton
Tue Apr 10, 2018 9:04 am
Forum: Investing - Theory, News & General
Topic: Will VTWSX expense ratio go down in the future
Replies: 6
Views: 1050

Re: Will VTWSX expense ratio go down in the future

The question is really whether they will ever add Admiral Shares for the mutual fund. And I don't know the answer.

I ask the same question every year about VFSVX (Vanguard FTSE All-World ex-US Small Cap). VFSVX is at 25 bp. The ETF VSS share class is at 13 bp.
by jhfenton
Mon Apr 09, 2018 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1523

Re: International Small Cap Quick Question

Ya that is kind of what I was thinking,,,That would be allot of work. So I will just stick to the plan of only converting the VFSVX to VSS... :beer [*]Do any of you have a Vanguard account and buy IShares or another ETF that trades for a commission at Vanguard. If dollar cost averaging, what would ...
by jhfenton
Mon Apr 09, 2018 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 258
Views: 36020

Re: New HSA provider Lively offers investments for $30/yr fee

Thanks for all the input! Yes, I also do not like the cash drag on Fifth Third of $2,000 minimum in order to invest. Also, it looks like they charge the regular $2.50 fee plus another $2/month to use investment, plus another 20 basis points on your investment. They do offer some low cost index fund...
by jhfenton
Mon Apr 09, 2018 7:21 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4482

Re: Is it very hard to learn Spanish?

It is now two years since I took a deep breath and changed the language on my desktop computer to Spanish, for example. I've done the same thing with French and Spanish. I have set nearly everything I use electronic to French, my computers, iPhone, even my Netflix account. The exception is my iPad,...
by jhfenton
Mon Apr 09, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1523

Re: International Small Cap Quick Question

Vanguard total stock Market VTI(ETF)/VTSMX(MF Investor Shares) Vanguard Total International Stock Market VXUF(ETF)/ VGTSX(MF Investor Shares) Vanguard Small Cap Value Index Fund VBR(ETF)/ VISVX(MF Investor Shar Vanguard FTSE All World Ex-US Small Cap VSS(ETF)/VFSVX(MF Investor Shares) Only availabl...
by jhfenton
Sun Apr 08, 2018 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: If you want an actively managed fund, which one would you use?
Replies: 70
Views: 5278

Re: If you want an actively managed fund, which one would you use?

I own a few active funds: VOHIX (Vanguard Ohio Long-Term Tax Exempt) VEGBX (Vanguard Emerging Market Bond Admiral Shares) PTTRX (PIMCO Total Return Institutional) (I would not independently choose to own this, but it is the only bond fund in my 401(k).) VFMFX (Vanguard US Multifactor Admiral Shares)...
by jhfenton
Sun Apr 08, 2018 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: International Small Cap Quick Question
Replies: 22
Views: 1523

Re: International Small Cap Quick Question

I love VSS/VFSVX. There is not another fund like it in existence, let alone at the price. We have 30% of equities/60% of international in VSS/VFSVX. It is our largest single fund holding of any kind, by a pretty good margin, because most of our other asset classes are split between different funds d...
by jhfenton
Sun Apr 08, 2018 9:30 am
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13615

Re: Ivy school education. Is it worth it?

If your out-of-pocket expenses are going to be huge, then the school has given you a "soft no." Or your family makes a lot of money. Harvard, and I believe all of the Ivy League, offers need-blind admissions and 100% need-based financial aid. There are no Harvard College undergraduate academic scho...
by jhfenton
Sat Apr 07, 2018 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Ivy school education. Is it worth it?
Replies: 238
Views: 13615

Re: Ivy school education. Is it worth it?

It's not the worth of the Ivy League schools or another top 15 school or the top engineering schools that I question, it's the second and third tier private liberal arts colleges. I just don't see the ROI. In my case, Harvard was quite cheap, because my parents didn't have a high income. For my kids...
by jhfenton
Sat Apr 07, 2018 11:08 am
Forum: Personal Finance (Not Investing)
Topic: New HSA provider Lively offers investments for $30/yr fee
Replies: 258
Views: 36020

Re: New HSA provider Lively offers investments for $30/yr fee

Just digging into some research about Lively and have a question for anyone who is a current Lively HSA user. I am thinking of doing an annual rollover from my employer sponsored fifth third hsa. 53rd charges $25 for transfers, but as I understand you can do a manual rollover for free. I am not a h...
by jhfenton
Sat Apr 07, 2018 10:57 am
Forum: Personal Consumer Issues
Topic: Is it very hard to learn Spanish?
Replies: 65
Views: 4482

Re: Is it very hard to learn Spanish?

I am a native Spanish speaker living in the US. Every time I find someone who says "I know some Spanish..." I immediately turn into Spanish. Most of the time, people are more fluent than expected but they are very shy. Another tip: Personally, I wouldn't worry about perfect pronunciation. You will ...
by jhfenton
Sat Apr 07, 2018 10:18 am
Forum: Personal Consumer Issues
Topic: How often do you replace your office shoes?
Replies: 58
Views: 3873

Re: How often do you replace your office shoes?

Quit wearing "office" shoes and dopey business attire 10+ years ago. Jeans and skate shoes FTW. Thank god millennials have helped to change how we must dress at mega-corp. I do have to wear long sleeves though because of sleeves of tattoos which can be a drag in the summer. +1 My mini mega-corp (10...
by jhfenton
Sat Apr 07, 2018 7:57 am
Forum: Investing - Theory, News & General
Topic: Multi Factor Funds
Replies: 7
Views: 979

Re: Multi Factor Funds

Vanguard always makes sure their ETFs have good market makers, even for ETFs like VIOV (Vanguard S&P 600 SCV) that are lightly traded. If you can share, what makes you think this is true? I've wondered if Vanguard ETFs have tighter spreads and lower premium/discount because of their policies or oth...
by jhfenton
Sat Apr 07, 2018 6:59 am
Forum: Personal Finance (Not Investing)
Topic: GEICO rate increase: 49% annualized?!
Replies: 43
Views: 3497

Re: GEICO rate increase: 49% annualized?!

My State Farm auto insurance rate decreased for this 6 months. https://www.bogleheads.org/forum/viewtopic.php?f=2&t=246039 Apparently people don't feel this is a viable option. Or, perhaps they don't believe me. :annoyed It must vary by state. We have State Farm too, and our rates have been flat. W...
by jhfenton
Sat Apr 07, 2018 6:39 am
Forum: Investing - Theory, News & General
Topic: Multi Factor Funds
Replies: 7
Views: 979

Re: Multi Factor Funds

I also own a chunk of EMGF (iShares Edge MSCI Multifactor Emerging Markets ETF) in my HSA at TD Ameritrade. I got them to give me a few free trades when I transferred my HSA there last fall. It has more than doubled in AUM since I bought in, from $9x million to $219 million. I like the way the portf...
by jhfenton
Thu Apr 05, 2018 11:20 am
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account using in kind transfer
Replies: 16
Views: 695

Re: Opening a Vanguard account using in kind transfer

I'm not sure why paperwork or the USPS would be involved in any transfer. Other than agent authorization forms, I haven't sent a broker a piece of paper in nearly 20 years. Yes, it felt weird but, apparently, Vanguard couldn't verify my identity. I am not american, so perhaps that's the issue :conf...
by jhfenton
Thu Apr 05, 2018 9:04 am
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 21
Views: 2824

Re: Investing Very Small Amounts Daily

At current market value of $83.61, this .025 share would be worth $2.05. The issue is that Vanguard allows automatic weekly investments, but not daily ones. So, compared to buying weekly, daily doesn’t help much, especially if you consider the manual effort to make it happen. Not that I would recom...
by jhfenton
Wed Apr 04, 2018 7:08 pm
Forum: Investing - Help with Personal Investments
Topic: Escaping TD Ameritrade
Replies: 22
Views: 2154

Re: Escaping TD Ameritrade

I recently switched from Scottrade / TDA to Vanguard, it took 2 weeks to transfer over to Vanguard . 1. Went to Vanguard and signed in for new tIRA account , filled in the transfer details online and generated PDF account transfer forms 2. Took those printed forms along with latest Scottrade / TDA ...
by jhfenton
Wed Apr 04, 2018 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Opening a Vanguard account using in kind transfer
Replies: 16
Views: 695

Re: Opening a Vanguard account using in kind transfer

I'm not sure why paperwork or the USPS would be involved in any transfer. Other than agent authorization forms, I haven't sent a broker a piece of paper in nearly 20 years. When I moved our 5 accounts in-kind to Vanguard from TD Ameritrade in 2015, I opened each Vanguard account online and initiated...
by jhfenton
Wed Apr 04, 2018 2:47 pm
Forum: Investing - Help with Personal Investments
Topic: Any Limits to number of transactions with ETFs?
Replies: 4
Views: 396

Re: Any Limits to number of transactions with ETFs?

If you buy and sell the same ETF in the same account more than 25 times within 12 months, they can suspend your ability to buy that ETF for 60 days. And they literally mean any 25 buy orders and 25 sell orders of the same ETF. They're not tracking round trips in specific shares. They don't track acr...
by jhfenton
Wed Apr 04, 2018 10:53 am
Forum: Investing - Help with Personal Investments
Topic: HSA investment strategies/asset mix
Replies: 10
Views: 1034

Re: HSA investment strategies/asset mix

Since you are investing your HSA for expenses in retirement, you should treat it as part of your IRA, which will also be used for expenses in retirement. It's fine to have just one fund in the HSA for simplicity, and adjust your overall allocation accordingly. My own HSA has only one fund, formerly...
by jhfenton
Wed Apr 04, 2018 10:42 am
Forum: Investing - Theory, News & General
Topic: ETFs' tax advantage over Mutual Funds?
Replies: 8
Views: 1063

Re: ETFs' tax advantage over Mutual Funds?

ETFs do have a significant tax advantage over mutual funds: ETFs can offload low-basis securities on market makers for whom the basis is irrelevant. I'm confused about this. How do they do this? I know it is true but I don't understand it. It seems that a buyer of appreciated securities could care ...
by jhfenton
Wed Apr 04, 2018 9:16 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 163
Views: 18997

Re: Vanguard New Factor Funds Portfolio Statistics

For those who really like midcaps, I think VFMFX would make a great core fund as it captures a nice mix of large and small too. A simple portfolio of that, VTIAX international, and say an intermediate bond fund such as VFIDX would make a nice set-it-and-forget-it portfolio with a slight value/small...
by jhfenton
Wed Apr 04, 2018 9:07 am
Forum: Investing - Theory, News & General
Topic: ETFs' tax advantage over Mutual Funds?
Replies: 8
Views: 1063

Re: ETFs' tax advantage over Mutual Funds?

In Meb's podcast toward the end he briefly mentioned a Vanguard exception to the tax-advantage of ETFs over mutual funds: Vanguard has a patent on having an ETF as a share class of a mutual fund. That pooling of ETF and traditional mutual fund assets allows Vanguard to share the tax-advantages of th...
by jhfenton
Wed Apr 04, 2018 8:17 am
Forum: Investing - Help with Personal Investments
Topic: SPOT [Investing in Spotify]
Replies: 45
Views: 2696

Re: SPOT [Investing in Spotify]

Anyone have thoughts about Spotify? I am so tempted to jump in and buy some so I don't miss yet another internet darling. Other thoughts, ideas about this company? Thanks in advance. Spotify hasn't shown the ability to make a profit. They haven't shown any evidence that they know how to construct a...
by jhfenton
Tue Apr 03, 2018 7:42 am
Forum: Investing - Theory, News & General
Topic: Vanguard New Factor Funds Portfolio Statistics
Replies: 163
Views: 18997

Re: Vanguard New Factor Funds Portfolio Statistics

I wish I had known about the webcast. I would have tried to listen to it too, even though I would have also been frequently distracted by work. Vanguard said they’d post a link to edited video from the discussion in a few months. Will return and post a link if I see one in the future. GOR https://a...
by jhfenton
Mon Apr 02, 2018 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can after tax HSA money be recharacterized?
Replies: 12
Views: 797

Re: Can after tax HSA money be recharacterized?

There's no such thing as an after-tax HSA contribution. HSA contributions are excludable from income (and FICA) if made through salary reduction and deductible as a non-itemized deduction if made directly. It may seem like just semantics, but as pointed out by SimonJester any direct HSA or traditio...
by jhfenton
Mon Apr 02, 2018 6:42 am
Forum: Personal Finance (Not Investing)
Topic: Can after tax HSA money be recharacterized?
Replies: 12
Views: 797

Re: Can after tax HSA money be recharacterized?

There's no such thing as an after-tax HSA contribution. HSA contributions are excludable from income (and FICA) if made through salary reduction and deductible as a non-itemized deduction if made directly. If your child's employer just threw it in the HSA without treating it as a salary-reduction HS...
by jhfenton
Sun Apr 01, 2018 7:02 am
Forum: Investing - Help with Personal Investments
Topic: Investing Very Small Amounts Daily
Replies: 21
Views: 2824

Re: Investing Very Small Amounts Daily

After you make the initial investment, Vanguard actually has no minimum for additional investments. As long as you invest enough to buy 0.001 shares (rounded), you are good. So for the handful of funds with a share price of $20.00 or less, you can invest a single penny. (Automatic investments requir...
by jhfenton
Fri Mar 30, 2018 11:33 am
Forum: Personal Finance (Not Investing)
Topic: When did you know your kids would go to college?
Replies: 91
Views: 4401

Re: When did you know your kids would go to college?

We always assumed they would go to college. My wife and I both have multiple degrees, so the odds favored their abilities leading them in that direction. It could (have) turn(ed) out differently, of course, but both are on that track. Our son is a freshman this year and our daughter will be a freshm...
by jhfenton
Fri Mar 30, 2018 8:41 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6600

Re: [Vanguard sends out erroneous "not enough money in settlement fund" notice]

And now all of yesterday's ETF sale proceeds disappeared, but the mutual fund buys haven't been processed so it looks like I'm missing a lot of money. :oops: And a few accounts show small negative cash balances. :annoyed

Edited: As of just after 10 AM, everything is updated and correct.
by jhfenton
Fri Mar 30, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: [Vanguard sends out erroneous "not enough money in settlement fund" notice]
Replies: 94
Views: 6600

Re: [Vanguard sends out erroneous "not enough money in settlement fund" notice]

I have been a loyal customer of Vanguard for over 20 years. No issues other than an occasional account missing from by summary of fund balances. But today I logged on and my account total is $715,00 more that is really is. Wow, wish I were true. They show an unsettled amount in my brokerage account...
by jhfenton
Fri Mar 30, 2018 8:05 am
Forum: Investing - Theory, News & General
Topic: % Portfolio Wieght Concerns?
Replies: 23
Views: 1382

Re: % Portfolio Wieght Concerns?

We have another current thread about this very question: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=245543 Starchild got the numbers right, though. The other poster thought that 25% was in 5 companies. I personally don't own any market cap weighted large cap blend funds. I tilt heavily t...
by jhfenton
Fri Mar 30, 2018 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Wash sale question- are ITOT and VTI Substantially Identical?
Replies: 60
Views: 3794

Re: Wash sale question- are ITOT and VTI Substantially Identical?

Here was an old article also on kitces: https://www.kitces.com/blog/the-wash-sale-problem-when-tax-loss-harvesting-almost-substantially-identical-mutual-funds-and-etfs/ Thanks for that outstanding article! It's well worth the time to read. (The more I read of Kitces, the more impressed I become.) Y...
by jhfenton
Thu Mar 29, 2018 6:26 pm
Forum: Investing - Help with Personal Investments
Topic: premium/discount when buying an ETF
Replies: 31
Views: 2280

Re: premium/discount when buying an ETF

Today was a decent day for the VSS->VFSVX arbitrage. I sold 1,xxx shares of VSS @ $119.26 (in two accounts), netting $1yy,yyy.yy after the SEC fee. I purchased VFSVX with all it, which will net me z,zzz.zzz shares of VFSVX worth $1yy,yyy.yy. When I call to convert those shares back to VSS, those sha...
by jhfenton
Thu Mar 29, 2018 12:53 pm
Forum: Investing - Theory, News & General
Topic: ETF settlement
Replies: 10
Views: 1333

Re: ETF settlement

@jhfenton: If you have an unsettled credit you can buy other assets in the same account even if the settlement dates do not match. Yes. I do it all the time. What I haven't tried to do is immediately buy a non-Vanguard mutual fund with proceeds from an ETF. I will probably never buy a non-Vanguard ...
by jhfenton
Thu Mar 29, 2018 12:15 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 60
Views: 12218

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

krick wrote:
Thu Mar 29, 2018 11:26 am
I have an HSA through Optum Bank as required by my employer to receive their contribution.
You're not required to keep the money there, though. The cash drag on $5,000 earning 0.2% is something over $100 per year, depending on what other fixed income you compare it to.
by jhfenton
Thu Mar 29, 2018 12:09 pm
Forum: Investing - Help with Personal Investments
Topic: wash sale question
Replies: 5
Views: 396

Re: wash sale question

I would not report a wash sale in your hypothetical. I do not believe a wash sale occurred. You sold the "replacement" shares before the taxable sale at a loss. Disclaimer: I am not your lawyer, and I am not giving you legal advice. Consult a tax advisor if you have any questions about your specific...
by jhfenton
Wed Mar 28, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Is HSA Bank + TD Ameritrade still the best HSA choice?
Replies: 60
Views: 12218

Re: Is HSA Bank + TD Ameritrade still the best HSA choice?

I'm also trying , going on 4 weeks now. HSA Bank is turning this into a nasty breakup. HSA Bank says this is expected to take 6 - 8 weeks when there's a brokerage account involved, even if it is not an "in-kind" transfer. I liquidated the brokerage account and transferred it back to the HSA cash ac...
by jhfenton
Wed Mar 28, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: China and EM [Emerging Market]
Replies: 30
Views: 3322

Re: China and EM

I admit that China is now large enough that in an ideal scenario, I could own an ex-China version of the same EM funds that I do now alongside a separate China fund. Having 1/3 of an ex-US fund in one country is borderline. Having 40-45% of an ex-US fund in one country is high enough that I would de...
by jhfenton
Tue Mar 27, 2018 2:30 pm
Forum: Investing - Theory, News & General
Topic: DFSVX vs. VTSAX
Replies: 5
Views: 574

Re: DFSVX vs. VTSAX

Is this debate over? No. I've never had access to DFSVX (DFA US Small Cap Value) (that will change in May when my wife is eligible for her 401(k)), but I have been invested in small value in one form or another since 1998. I have had some money in DFSTX (DFA US Small Cap) in my 401(k) since it beca...
by jhfenton
Tue Mar 27, 2018 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: New 401k plan
Replies: 10
Views: 936

Re: New 401k plan

I think your employer has decided to pass those costs along to you, and it has very little to do with the number of funds that are offered.