Search found 1596 matches

by jhfenton
Sun Jan 29, 2017 10:30 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

2:51:03.....damn that is fast. Hope you can beat your PR this year, that is awesome. As for purchasing items. I do not think the savings rate should have anything to do with a purchase. Just because I save a bunch of cash does not mean I should spend the rest on useless junk. I am a strong believer...
by jhfenton
Sun Jan 29, 2017 6:08 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

I can actually think of very few better things to spend $400 on. There are few things I spend more time doing--other than sleeping--or thinking about other than running. Not carrying a phone or iPod is priceless. But as I've said a couple of times, I agree that fitness is its raison d'être. Sounds ...
by jhfenton
Sun Jan 29, 2017 5:27 pm
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 768

Re: VEMAX vs DFEVX

I would go with DFEVX until you leave that job, then your 401k gets rolled into a VG IRA for the rest of your life. Over time, you will have exposure to both. Interesting thought. Is it always possible to do an in-kind rollover of a 401k DFA fund into a Vanguard IRA, upon changing jobs. (I understa...
by jhfenton
Sun Jan 29, 2017 5:19 pm
Forum: Investing - Help with Personal Investments
Topic: If You Can (Kindle): Free Today
Replies: 10
Views: 1494

Re: If You Can (Kindle): Free Today

Bill, one quick question... should the Kindle version be showing up as free for everyone? When I look on Amazon, it only indicates that it's free under Kindle Unlimited. No mention of being free for us plebs. I see this: http://i66.tinypic.com/n39kqr.jpg If you click "Buy now…" you should...
by jhfenton
Sun Jan 29, 2017 12:22 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

Unfortunately for the Apple Watch my favorite FitBit feature is sleep monitoring and that is unavailable on the Apple Watch until battery life increases to the point you don't have to recharge it every night. From everything I have read the Series 2, especially the Nike version, it the bomb for run...
by jhfenton
Sun Jan 29, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 768

Re: VEMAX vs DFEVX

I'd go with #2. And I say that as someone who is currently #1 because I don't have #2 as an option. Why? I like DFEVX's methodology. The value tilt. The overall portfolio tilt. The lighter stake in China. VEMAX is a bit too heavy in China for my taste. I'd go with all DFEVX in my 401(k), and then if...
by jhfenton
Sun Jan 29, 2017 11:46 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

Unfortunately for the Apple Watch my favorite FitBit feature is sleep monitoring and that is unavailable on the Apple Watch until battery life increases to the point you don't have to recharge it every night. From everything I have read the Series 2, especially the Nike version, it the bomb for run...
by jhfenton
Sun Jan 29, 2017 11:00 am
Forum: Investing - Help with Personal Investments
Topic: VEMAX vs DFEVX [Vanguard Emerging Mkt vs. DFA Emerging Mkt Value]
Replies: 9
Views: 768

Re: VEMAX vs DFEVX

We own lots of VEMAX in my Roth/Traditional IRAs, but I would definitely take advantage of access to DFEVX. It's a great fund.

I am officially jealous. I would be happy to have either in my 401(k), which has no usable international funds.
by jhfenton
Sun Jan 29, 2017 10:44 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

I consider myself as a tech person and feel like smart watches especially the Iwatch as a pure gimmick. Wait a couple years then decide. Ditto. Every time someone tries to explain how it benefits them, I am totally :confused as to how that particular capability actually is of any value. As a fitnes...
by jhfenton
Sun Jan 29, 2017 10:15 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Active Funds
Replies: 36
Views: 2890

Re: Vanguard Active Funds

I can't find any news either. It must have been a quiet reopen. M* still shows it as "Limited."
by jhfenton
Sun Jan 29, 2017 8:59 am
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

I haven't worn a watch in 2 decades. The time is available everywhere. I am able to guess the time to within 5 min if I have seen a clock in the last 2 hours. I figured this watch is just another tech doo-dad. Thanks, OP for this query. Lots of good info here. So now I'm interested in monitoring my...
by jhfenton
Sat Jan 28, 2017 9:50 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

I considered one, but didn't get it. I got a Garmin Fenix 3 HR. I love it. Awesome for workouts and you can get all the phone alerts too if you want. I bought a Garmin Fenix 3 HR when they first came out. I wanted to love it, but the GPS was the most inaccurate device I have ever used. It was barel...
by jhfenton
Sat Jan 28, 2017 9:39 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

I love my Apple Watch. I use it for fitness and while walking get all kids of messages. Even in meetings I can give it a quick glance to see if it is important enough to deal with now or later. You can buy multiple bands if so desired so you can change the look of the watch without having to buy a ...
by jhfenton
Sat Jan 28, 2017 1:29 pm
Forum: Investing - Help with Personal Investments
Topic: Stock/bond split for a 35 year old
Replies: 5
Views: 526

Re: Stock/bond split for a 35 year old

I think the Vanguard Target Retirement allocations are fine (until they become too conservative in retirement). You'd barely notice any different between a 90/10 allocation and an 80/20 allocation. The fund will start gliding once you get about 20 years from retirement and glide all the way to 30/70...
by jhfenton
Sat Jan 28, 2017 1:16 pm
Forum: Investing - Theory, News & General
Topic: Is exchanging FSIVX for FTIPX considered a wash?
Replies: 15
Views: 1146

Re: Is exchanging FSIVX for FTIPX considered a wash?

I had to look them up on M*. FSIVX is a large cap developed markets index fund. FTIPX is a total international index fund, including emerging markets. I wouldn't hesitate to TLH between those two funds. I would not consider them anything close to substantially identical. Edited to add: I would consi...
by jhfenton
Sat Jan 28, 2017 1:13 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

To answer another one of the questions: You can customize which apps' notifications get sent to the Watch. And those that are sent are pretty subtle, just a tap on the wrist. I let every app that I let pop up notifications on my phone go to the Watch. I just limit which apps can pop up notifications...
by jhfenton
Sat Jan 28, 2017 1:07 pm
Forum: Personal Consumer Issues
Topic: Input on Apple Watch-Buy or Not?
Replies: 64
Views: 3787

Re: Input on Apple Watch-Buy or Not?

We were told if you use it for fitness then give it a go, pretty solid health stuff. Otherwise, mostly redundant tech and apps with iphone. Personally, I enjoy a 'regular' mechanical watch for time and style. I'll leave the tech on my phone. Just not for me. I love my Apple Watch Series 2 (gold alu...
by jhfenton
Sat Jan 28, 2017 10:56 am
Forum: Local Chapters and Bogleheads Community
Topic: Year of the Rooster
Replies: 4
Views: 599

Re: Year of the Rooster

新年好!恭喜发财!

Happy New Year! May you have a prosperous New Year!
by jhfenton
Sat Jan 28, 2017 10:53 am
Forum: Personal Finance (Not Investing)
Topic: Are 401k matches negotiable?
Replies: 3
Views: 517

Re: Are 401k matches negotiable?

These terms are set in a legal document applicable to all employees. Not negotiable on an individual level. This is correct. A plan cannot make exceptions to its terms on a case-by-case basis. At a small company, you could perhaps negotiate a plan amendment, but it would apply to all covered employ...
by jhfenton
Fri Jan 27, 2017 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Best HSA (2017)
Replies: 64
Views: 6928

Re: Best HSA (2017)

I think SelectAccount is the best deal for HSA's now. But you can compare hundreds of HSA's on hsasearch.com SelectAccount seems interesting, first I've heard of it. Do you have it? If I understand it, once your account balance is over $10k, you can keep $1000 in cash, and then the rest in a self d...
by jhfenton
Fri Jan 27, 2017 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Warning: Max out 401k early - lose some of the match
Replies: 32
Views: 2062

Re: Warning: Max out 401k early - lose some of the match

I have the same issue, but until I ran across discussions on here, I wasn't aware that any companies did a true up. I've always assumed it was my responsibility to manage, because it always has been. And with quarterly bonuses that vary slightly based on company results, I won't know if I needed 16....
by jhfenton
Fri Jan 27, 2017 9:34 am
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4660

Re: "Don't Overcomplicate Your Portfolio"

When you get to the point where you have two or three or four accounts, like: ⋅ Traditional IRA ⋅ Roth IRA ⋅ 401(k) ⋅ Taxable account Then you need to think about: ⋅ Which asset classes are best for each account type? ⋅ Which funds are ava...
by jhfenton
Thu Jan 26, 2017 7:54 pm
Forum: Investing - Theory, News & General
Topic: "Don't Overcomplicate Your Portfolio"
Replies: 27
Views: 4660

Re: "Don't Overcomplicate Your Portfolio"

The key part of that is " over complicate." Some folks do best with a one-fund portfolio: Target Retirement. Many Bogleheads like the classic Larimore three-fund. I like my simple nine-fund portfolio: 3 x US, 3 x Intl, 3 x Bond. Every fund brings something to the table that I wouldn't get ...
by jhfenton
Thu Jan 26, 2017 9:12 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Settlement fund dividend?
Replies: 6
Views: 706

Re: Vanguard Settlement fund dividend?

Interest from the Federal Money Market settlement fund in a taxable account is taxable. But there's usually not very much of it. :beer You don't have to worry about tax lots or capital gains with the Federal Money Market because it maintains a fixed $1.00/share price. Buy a dollar, sell a dollar. No...
by jhfenton
Wed Jan 25, 2017 7:40 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1871

Re: Why is Vanguard not answering the phone

Questions via email might be the better way to go. Not in my experience. In my experience, email is practically useless for resolving anything that I can't do myself online. Responses come in days, not hours, and have typically been scripted non-sequiturs. I've had nothing but easy experiences gett...
by jhfenton
Wed Jan 25, 2017 7:27 pm
Forum: Investing - Theory, News & General
Topic: Dow hits 20,000. What next? Share your strategy
Replies: 107
Views: 9060

Re: Dow hits 20,000. What next? Share your strategy

My plan is to find out how to convert VTI and VXUS to mutual funds so that I can invest automatically every month for long time and check my accounts once in a year to rebalance it. Livesoft probably knows how to change those ETFs to mutual funds... Actually, I'm not sure you can do that. I recentl...
by jhfenton
Wed Jan 25, 2017 7:14 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1871

Re: Why is Vanguard not answering the phone

No it doesn`t. Try it yourself. The recording qualifies you and a recorded voice then says hold on and a representative will be with you soon but that never happens even after waiting on hold for 30 minutes. The same thing occurred 4 times today so far. It was really a rhetorical question. That is ...
by jhfenton
Wed Jan 25, 2017 6:28 pm
Forum: Investing - Help with Personal Investments
Topic: Why is Vanguard not answering the phone
Replies: 20
Views: 1871

Re: Why is Vanguard not answering the phone

Doesn't their system tell you how long the wait is going to be and offer you a call back in that amount of time as an alternative to waiting? That's been my experience on those rare occasions when I don't get an immediate live body.
by jhfenton
Wed Jan 25, 2017 11:00 am
Forum: Local Chapters and Bogleheads Community
Topic: HAPPY 93RD BIRTHDAY, TAYLOR!
Replies: 199
Views: 7396

Re: HAPPY 93RD BIRTHDAY, TAYLOR!

93 down, many more to go.

Here's to a simple, joyful birthday! :beer
by jhfenton
Tue Jan 24, 2017 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Funds available for withdrawal (Roth IRA)
Replies: 6
Views: 503

Re: Funds available for withdrawal (Roth IRA)

... Your money market fund in your converted Roth must have gone into a non-settlement money market fund. You would have to sell that into your settlement fund or sell it directly to a check or linked bank account in order to withdraw it. Given that the entire sequence was begun yesterday, I'd be s...
by jhfenton
Tue Jan 24, 2017 8:39 pm
Forum: Personal Finance (Not Investing)
Topic: Funds available for withdrawal (Roth IRA)
Replies: 6
Views: 503

Re: Funds available for withdrawal (Roth IRA)

When I look at the 2 new accounts today, both show Funds available to trade $0.00 Funds available to withdraw $0.00 That just means you don't have anything in your Federal Money Market Settlement Fund--those would be "Funds available to withdraw" and "Funds available to trade"--...
by jhfenton
Tue Jan 24, 2017 7:08 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

GreatOdinsRaven wrote:One question for all of you: which bank accepts these direct deposits to your Fed MMF settlement account? Is it JP Morgan or Wells or someone else?

When I look up the bank routing number Vanguard gave me, it corresponds to JP Morgan Chase.
by jhfenton
Tue Jan 24, 2017 4:25 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

Plan: My employer pushes $250 direct deposit to Vanguard brokerage every other Thursday. It shows up like clockwork every other Friday morning. So I schedule an automatic investment for every other Friday morning to buy $250 of VOHIX (Vanguard OH Long-Term Tax Exempt). Perfect And it fails, so try ...
by jhfenton
Tue Jan 24, 2017 3:40 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

The deposits can only go to the settlement fund. Yes but if that deposit is always on the same day of the month you can also do an automatic exchange from your settlement fund to the fund of your choice. (I think actually it's just a buy not an exchange when the source is the settlement MM account....
by jhfenton
Tue Jan 24, 2017 1:23 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

I'm going to try to piece this. Something's screwy or we are talking two different things. Doc wrote: There is some confusion here. You can certainly direct deposit into your settlement money market account. We do it all the time. I cannot and Vanguard confirmed to me that I cannot. And, they have ...
by jhfenton
Tue Jan 24, 2017 8:42 am
Forum: Investing - Theory, News & General
Topic: Swedroe's guidelines to Bonds
Replies: 113
Views: 8472

Re: Swedroe's guidelines to Bonds

I generally follow those rules. I favor CDs and intermediate treasuries (VSIGX). I avoid anything but short-term corporates (VSCSX). My small muni allocation (VOHIX) is fairly high quality, but Vanguard does include a big chunk of A-rated munis. (With our small muni allocation, it's not worth paying...
by jhfenton
Mon Jan 23, 2017 6:37 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

If it were up to me, Vanguard would just get rid of its brokerage platform and stick to mutual funds. I appreciate the few advantages of the old platform, but I would be out the door faster than you could say Parcheesi. I would have been a customer years before 2015 if not for the limitations of th...
by jhfenton
Mon Jan 23, 2017 1:42 pm
Forum: Investing - Theory, News & General
Topic: Upgrade button on Vanguard IRA
Replies: 72
Views: 6179

Re: Upgrade button on Vanguard IRA

If it were up to me, Vanguard would just get rid of its brokerage platform and stick to mutual funds. I appreciate the few advantages of the old platform, but I would be out the door faster than you could say Parcheesi. I would have been a customer years before 2015 if not for the limitations of th...
by jhfenton
Mon Jan 23, 2017 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Moving away from Fidelity 401K choices to lower cost funds/ETFs
Replies: 15
Views: 812

Re: Moving away from Fidelity 401K choices to lower cost funds/ETFs

FID 500 INDEX INST (FXSIX) 02/17/1988 Stock Investments Large Cap 0.04% FID EXT MKT IDX PR (FSEVX) 11/05/1997 Stock Investments Mid-Cap 0.07% VANG SM CAP IDX ADM (VSMAX) 10/03/1960 Stock Investments Small Cap 0.08% FID INTL INDEX PR (FSIVX) 11/05/1997 Stock Investments International 0.08% FID REAL ...
by jhfenton
Sun Jan 22, 2017 8:55 pm
Forum: Investing - Help with Personal Investments
Topic: confused by rollover options to Vanguard.
Replies: 7
Views: 754

Re: confused by rollover options to Vanguard.

Do they really not wire the money in these situations? I've done maybe 4-5 rollovers between my wife and me. Those were relatively small amounts so I didn't mind getting/sending a check. But I'm about to do a major one and I really don't want that much money passing through my hands or waiting it o...
by jhfenton
Sun Jan 22, 2017 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: confused by rollover options to Vanguard.
Replies: 7
Views: 754

Re: confused by rollover options to Vanguard.

My wife has a rollover in process now from her former 401(k). There is a place to start it online from inside your Vanguard account. Once you answer a couple questions it will give you a letter with the following information: 1. Contact financial institution to determine your plan's requirements. 2....
by jhfenton
Sun Jan 22, 2017 11:13 am
Forum: Investing - Theory, News & General
Topic: Unidirectional rebalancing?
Replies: 18
Views: 1818

Re: Unidirectional rebalancing?

My experience was just like Sport's. During 2008-2009 I couldn't bring myself to rebalance from bonds into stocks. My name for this is "chickening out." I have a big old pack of rationalizations and I don't think it was such a terrible thing to do. But still. Being 100% equities helped wi...
by jhfenton
Sun Jan 22, 2017 11:11 am
Forum: Investing - Theory, News & General
Topic: Short-Term Investment Grade or Short-Term Corporate Index?
Replies: 6
Views: 548

Re: Short-Term Investment Grade or Short-Term Corporate Index?

I prefer and use VSCSX (Short-Term Corporate Index Admiral). I feel it is a good match for my otherwise high-quality fixed income allocation. VFSUX mixes in some short government paper, which I would just as soon avoid. 1. Brokered CDs (66%) (higher yields, very illiquid) 2a. Intermediate Government...
by jhfenton
Sat Jan 21, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Bond TLH list?
Replies: 2
Views: 172

Re: Bond TLH list?

I'd be happy switching to almost any bond fund for a month from VSIGX: Intermediate Muni. Total Bond. Intermediate Treasury. Even Short-Term Corporate Index. Intermediate Treasury is an actively-managed treasury fund. Intermediate Government Bond Index is an index fund. They are similar, but the sta...
by jhfenton
Sat Jan 21, 2017 6:01 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard sells shares at 42% discount! Did you get in on the deal?
Replies: 24
Views: 4349

Re: Vanguard sells shares at 42% discount! Did you get in on the deal?

If this is a real arbitrage opportunity, what would stop a big actor from using it extensively? Let's test it. You can deposit $300 and then place 10,000 buy orders for $0.03 each of VSIAX. You should end up with 10.000 shares of VSIAX worth ~$521.10 instead of $300.00. Placing 10,000 buy orders sh...
by jhfenton
Sat Jan 21, 2017 8:14 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard sells shares at 42% discount! Did you get in on the deal?
Replies: 24
Views: 4349

Re: Vanguard sells shares at 42% discount! Did you get in on the deal?

Yep. I do it all the time. :sharebeer I assume that anything less than 0.0005 would get rounded to 0.000, so I haven't tried it. I make sure the rounding is always in my favor. On the flip side, I seem to get killed by the rounding in my HSA buying shares of VFIAX at $209.75 with $239.58 biweekly pa...
by jhfenton
Sat Jan 21, 2017 7:37 am
Forum: Investing - Theory, News & General
Topic: Does it matter which index Bond fund you invest in?
Replies: 16
Views: 1760

Re: Does it matter which index Bond fund you invest in?

Thank you everyone for the corrections. I couldn't seem to get a growth chart with the etf (rather than a price chart), not sure why. I'll have to check on that. That's M* thinking it knows what you want. An ETF chart? You must be a trader! You get a price chart! A mutual fund chart? Long-term inve...
by jhfenton
Fri Jan 20, 2017 9:53 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Dividend Yield in Admiral?
Replies: 9
Views: 4081

Re: Vanguard High Dividend Yield in Admiral?

why is the mutual fund with 0.16% expense ratio but ETF with 0.09% expense ratio? ETFs are generally cheaper across the board than their corresponding mutual fund. http://www.investopedia.com/articles/investing/102915/why-are-etf-fees-lower-mutual-funds.asp None of that applies to Vanguard funds. A...
by jhfenton
Fri Jan 20, 2017 9:44 pm
Forum: Investing - Theory, News & General
Topic: International equity allocation - do you tilt to EM?
Replies: 22
Views: 1781

Re: International equity allocation - do you tilt to EM?

I do. We're 88% equity, 12% fixed income (and gliding). Of the equity, we're 50% US, 50% international. Of the international, we're 1/3 Developed Markets, 1/3 ex-US Small, 1/3 EM. Counting the share of EM in the ex-US Small cap fund, our international is roughly 40% EM. 6 equity and 3 bond funds is ...
by jhfenton
Fri Jan 20, 2017 9:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard High Dividend Yield in Admiral?
Replies: 9
Views: 4081

Re: Vanguard High Dividend Yield in Admiral?

why is the mutual fund with 0.16% expense ratio but ETF with 0.09% expense ratio? That goes back to the original question: there are no Admiral Shares. Admiral Shares with a $10,000 minimum (for index funds) usually have the same ER as the ETF shares. Investor Shares with a $3,000 minimum have high...

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