Search found 1725 matches

by jhfenton
Wed Feb 15, 2017 8:33 am
Forum: Investing - Help with Personal Investments
Topic: Callable brokered CDs?
Replies: 3
Views: 390

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: 977

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: 977

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: 3406

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: 1405

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: 548

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: 1072

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 th...
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: 5175

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: 6683

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: 1033

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: 370

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: 538

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: 538

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: 538

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: 116
Views: 13038

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: 3259

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: 116
Views: 13038

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: 383

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: 1581

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: 2941

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: 3024

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: 1581

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: 516

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: 2840

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: 706

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: 858

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 acc...
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: 3710

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: 1333

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: 4088

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: 4088

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: 4137

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 ...
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: 3024

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.
by jhfenton
Thu Feb 09, 2017 7:18 pm
Forum: Investing - Theory, News & General
Topic: Is Guam in Ohio? [Tax-exempt bond fund holding]
Replies: 37
Views: 3024

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. Hence the number of (non-Vanguard) state-specific muni mutual funds that surprised folks with their stakes in Puerto Rico last year. "What do you mean my Maryland muni fund ha...
by jhfenton
Thu Feb 09, 2017 6:39 pm
Forum: Local Chapters and Bogleheads Community
Topic: Your USER NAME...what does it mean?
Replies: 317
Views: 16248

Re: Your USER NAME...what does it mean?

I've been using my original handle since at least college in the late 80's, maybe back to FidoNet days: first initial, middle initial, last name. I'm not hard to find in person (or on the Internet). I'm even in the "phone book" if you want to stop by for a visit. You know what's funny. Thi...
by jhfenton
Thu Feb 09, 2017 8:19 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

My glide path is variable and doesn't depend on age at all. I know I'm on pace to retire much earlier than normal because of my income vs expenses. I also don't want to have to work longer than I need to. So what do I do? <snip> Of course the opposite is true in a bull market. My AA gets conservati...
by jhfenton
Wed Feb 08, 2017 10:12 pm
Forum: Forum Issues and Administration
Topic: Is the forum operating slowly?
Replies: 3
Views: 384

Re: Is the forum operating slowly?

Nope. Everything is virtually instantaneous, including View Your Posts and private messages.
by jhfenton
Wed Feb 08, 2017 9:52 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

My glide path is variable and doesn't depend on age at all. I know I'm on pace to retire much earlier than normal because of my income vs expenses. I also don't want to have to work longer than I need to. So what do I do? Figure out how much I need for retirement based on my expenses. Lets say I de...
by jhfenton
Wed Feb 08, 2017 4:22 pm
Forum: Investing - Theory, News & General
Topic: Rand Paul predicts bubble / boom in stock market
Replies: 16
Views: 1620

Re: Rand Paul predicts bubble / boom in stock market

As others have said, I don't listen to investment predictions from anyone. And if I did, eye surgeons and politicians would not be at the top of the list.
by jhfenton
Wed Feb 08, 2017 8:50 am
Forum: Personal Finance (Not Investing)
Topic: How Long Does It Take 401k Contributions to Appear?
Replies: 23
Views: 8010

Re: How Long Does It Take 401k Contributions to Appear?

I would have no patience for slow 401(k) contributions. There might not be much I could do about it, but there's really no excuse I would find acceptable. My current employer has the contributions invested the day before Friday payday. They run payroll on Tuesday. Paystubs are visible on Wednesday. ...
by jhfenton
Wed Feb 08, 2017 8:38 am
Forum: Personal Consumer Issues
Topic: WSJ Digital Subscription - a bargain!
Replies: 39
Views: 5869

Re: WSJ Digital Subscription - a bargain!

brew wrote:I apologize if this is common knowledge here, but I just found out a few months ago that the Washington Post gives free access for anyone who verifies with .gov, .mil, or .edu email addresses. Hope that helps someone else.

+1. I take full advantage of my .edu alumni address.
by jhfenton
Tue Feb 07, 2017 4:08 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

jhfenton, You are aiming for retirement. I am aiming for financial independence (FI). In term of FI, I just have to use my current annual expense for my planning purposes. KlangFool You can look at it that way. Because of the age of our kids, our retirement window is fairly narrow. We're not going ...
by jhfenton
Tue Feb 07, 2017 4:05 pm
Forum: Investing - Theory, News & General
Topic: [Seth Klarman NY Times Article]
Replies: 19
Views: 1664

Re: Seth Klarman on problem with index funds

VA_Gent wrote:Noise of the day?

Yeah. I wouldn't have expected 3 separate threads on this article, considering his argument is a rehash of the same old anti-index argument.
by jhfenton
Tue Feb 07, 2017 3:50 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

jhfenton, You are aiming for retirement. I am aiming for financial independence (FI). In term of FI, I just have to use my current annual expense for my planning purposes. KlangFool You can look at it that way. Because of the age of our kids, our retirement window is fairly narrow. We're not going ...
by jhfenton
Tue Feb 07, 2017 3:29 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

jhfenton, Just another data point for comparison. I am at 64/36. I am close to 20 times my annual expense. I am gliding towards 60/40 in 5 years which is my retirement AA. I have zero annual savings over the next 3 to 5 years since I "cash flow" my children's college education. Aka, all m...
by jhfenton
Tue Feb 07, 2017 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Help with Vanguard ETF Portfolio
Replies: 2
Views: 309

Re: Help with Vanguard ETF Portfolio

I would not hold VB. If you want to tilt to small value while keeping it simple, just do 30% VTI, 30% VBR.

I hold equal amounts VEA, VSS, VWO (mostly in their Admiral Share equivalents). Any reasonable mix of the three is fine.
by jhfenton
Tue Feb 07, 2017 12:55 pm
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

Um…we'll just have to disagree. I was happily 100% equities until age 45. I would have been greatly uncomfortable "wasting" 25% of my portfolio in bonds when it represented such a small portion of my lifetime earnings. I'm happily 88/12 at (almost) age 47. If you count expected future sav...
by jhfenton
Tue Feb 07, 2017 10:01 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

Um…we'll just have to disagree. I was happily 100% equities until age 45. I would have been greatly uncomfortable "wasting" 25% of my portfolio in bonds when it represented such a small portion of my lifetime earnings. I'm happily 88/12 at (almost) age 47. If you count expected future sav...
by jhfenton
Tue Feb 07, 2017 9:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard lifestrategy vs. Target Date Funds
Replies: 4
Views: 809

Re: Vanguard lifestrategy vs. Target Date Funds

We have the 3 funds portfolio mix (total stock, total bond, total international), prime money market and the target date funds available for 4 employees. We'll like to remove most of the target date choices and consider instead the lifestrategy funds to simply the choices. This is a non elective, s...
by jhfenton
Tue Feb 07, 2017 9:00 am
Forum: Investing - Theory, News & General
Topic: How steep should the glide path be?
Replies: 54
Views: 4137

Re: How steep should the glide path be?

OP, 1) It is wrong to go with 100/0 at any time. The right number is between 75/25 and 25/75. Um…we'll just have to disagree. I was happily 100% equities until age 45. I would have been greatly uncomfortable "wasting" 25% of my portfolio in bonds when it represented such a small portion o...

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