Search found 1893 matches

by jhfenton
Sat Apr 08, 2017 7:50 pm
Forum: Personal Consumer Issues
Topic: More Zenni Optical Questions
Replies: 13
Views: 1796

Re: More Zenni Optical Questions

The pair of glasses I bought for my daughter in December were $16.11 plus shipping. It was a low-level single-vision prescription with the basic geeky but trendy frames that she wanted. Without knowing the cost-breakdown on your wife's order, I assume it's the progressive colored lenses. They may ju...
by jhfenton
Sat Apr 08, 2017 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Federal Money Market Fund
Replies: 19
Views: 4845

Re: Vanguard Federal Money Market Fund

I was just charged $118.00 for holding funds in the Vanguard Federal Money Market Fund. I will call on Monday to find out why, but I am really annoyed and feel mislead. I was forced to transfer my funds from their Prime MM account because of some regulations but was unaware of any fees. There shoul...
by jhfenton
Wed Apr 05, 2017 1:21 pm
Forum: Investing - Theory, News & General
Topic: "We're changing how we report costs. You still benefit."
Replies: 14
Views: 2574

Re: "We're changing how we report costs. You still benefit."

A contrarian view: Should I care about the average cost to current investors or the average cost of what is available to me? I think straight average (the old way) better informs me of the average cost of what is available to me. (All funds are equally available. Their availability is not weighted ...
by jhfenton
Tue Apr 04, 2017 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?
Replies: 56
Views: 3881

Re: Does your employer let you cash out your Vacation and/or Sick time upon leaving the company?

We get paid out for earned, but unused PTO, but it will never amount to much since we cannot carry it over from year to year. All unused PTO expires after December 31. (We accrue it prorata on a monthly basis. So at 4 weeks vacation, I accrue 13.33 hours per month.)
by jhfenton
Tue Apr 04, 2017 1:39 pm
Forum: Investing - Theory, News & General
Topic: Mechanics of selling ETF and buying the fund
Replies: 14
Views: 1163

Re: Mechanics of selling ETF and buying the fund

ETFs typically have 3 day settlement. Mutual funds have 1 day settlement. If you don't have extra cash in the account, you may have to wait until the ETF sale settles to buy the mutual fund. If your ETFs are held in taxable accounts, selling the ETF will trigger a capital gains tax event. If sell f...
by jhfenton
Sun Apr 02, 2017 6:37 pm
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6567

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

Don't assume everyone is in your spending bracket. I wouldn't quite get to $500 on your three categories in a month (three months, yes). It's just like all the threads on this board about the Backdoor Roth: I've never come remotely close to the income limits needed to invoke it. There's nothing lik...
by jhfenton
Sun Apr 02, 2017 2:30 pm
Forum: Investing - Theory, News & General
Topic: Do Any Factor Investors Worry About Skating Where The Puck Was?
Replies: 19
Views: 1625

Re: Do Any Factor Investors Worry About Skating Where The Puck Was?

I think it's worth noting that when a portfolio diversified across sources of return underperforms, it tends to underperform by a small amount and when it outperforms, the outperformance is significant. Worry is a bit of a strong word, but there is a significant cost hurdle to overcome with tilting...
by jhfenton
Sun Apr 02, 2017 2:13 pm
Forum: Investing - Help with Personal Investments
Topic: Prime Money Market Fund vs. Federal Money Market Fund
Replies: 36
Views: 5767

Re: Prime Money Market Fund vs. Federal Money Market Fund

So, I've taken on the nuisance of ordering transfers from the money market account to an online bank account whenever the balances gets above a few thousand dollars... and the nuisance of having to transfer the money back and wait if I want to buy something. I'm still on the old platform (separate ...
by jhfenton
Sun Apr 02, 2017 11:00 am
Forum: Personal Finance (Not Investing)
Topic: Manufactured Spending - is it illegal, or otherwise "bad?"
Replies: 71
Views: 6567

Re: Manufactured Spending - is it illegal, or otherwise "bad?"

The Capital One Quicksilver card pays a $100 bonus for $500 of purchases in the first three months. ............................. Thoughts? You have trouble charging $500 to a CC in 3 months? Seriously? Yeah, I don't get that either. We run thousands a month through our primary rewards card, virtua...
by jhfenton
Sun Apr 02, 2017 8:56 am
Forum: Investing - Theory, News & General
Topic: Vanguard Core Bond Fund (VCORX) One Year on:
Replies: 58
Views: 7211

Re: Vanguard Core Bond Fund (VCORX) One Year on:

Curious. The graph on the VG site for the past year performance showed no gap between VCORX and the total bond index at the end. I just graphed it at M*. If one uses the maximum time span, the graph starts at 3/10/16 and VCORX is lagging slightly. But if one looks at the past year it is outperformi...
by jhfenton
Sat Apr 01, 2017 7:54 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard account (setup questions)
Replies: 3
Views: 438

Re: Vanguard account (setup questions)

If my wife already has a VG IRA account, can I join that under a single login? You and she can add View Access to each other online (Account Maintenance->Account Permissions->Add/Update Grantee Access). To add trading authorization or full authorization requires a paper form, witnessed, notarized, ...
by jhfenton
Thu Mar 30, 2017 7:20 am
Forum: Investing - Theory, News & General
Topic: ETF settlement
Replies: 6
Views: 787

Re: ETF settlement

For the record, Vanguard will also, on the combined brokerage platform, let you sell an ETF and buy a Vanguard mutual fund the same day, notwithstanding the difference in settlement dates. (In a margin account, you will get dinged for the two days' of float, but in a cash account, Vanguard just abs...
by jhfenton
Wed Mar 29, 2017 11:14 am
Forum: Investing - Theory, News & General
Topic: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?
Replies: 35
Views: 5139

Re: Over last 6 years, has the Total Bond Market Index produced an overall slight loss?

$10,000 invested in VBMFX (Total Bond Investor Shares) on 05/01/11 would be worth $11,788.24 through yesterday. (It would be $11,865.15 for VBTLX, the Admiral Shares.) I don't know what 6-year CD rates you could have found in May 2011, but I suspect you could indeed have done almost as well with CDs...
by jhfenton
Wed Mar 29, 2017 7:18 am
Forum: Investing - Theory, News & General
Topic: ETF settlement
Replies: 6
Views: 787

Re: ETF settlement

For the record, Vanguard will also, on the combined brokerage platform, let you sell an ETF and buy a Vanguard mutual fund the same day, notwithstanding the difference in settlement dates. (In a margin account, you will get dinged for the two days' of float, but in a cash account, Vanguard just abso...
by jhfenton
Wed Mar 29, 2017 5:08 am
Forum: Investing - Theory, News & General
Topic: ETF settlement
Replies: 6
Views: 787

Re: ETF settlement

Yes. The settlement dates match, so you're golden. You can do the buy and sell in either order or simultaneously.
by jhfenton
Tue Mar 28, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: Daugther's Credit Card Windfall
Replies: 40
Views: 5266

Re: Daugther's Credit Card Windfall

If she won't call and report it--the right thing to do--I'd advise her to continue to use it as normal, charging the amount she can pay off every month, and set aside the money for the inevitable day they discover their mistake. Don't go on a $5,000 spending spree and wind up with a balance she can'...
by jhfenton
Tue Mar 28, 2017 9:14 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1719

Re: Picture / video / file backup

Have you folks with Crashplan actually tested whether or not a recovery of your files actually works? I've seen complaints about some of these backup services not working very well during a large recovery. I tested a few large files successfully. I did not test restoring multiple terabytes. I have ...
by jhfenton
Tue Mar 28, 2017 8:55 am
Forum: Personal Consumer Issues
Topic: Picture / video / file backup
Replies: 44
Views: 1719

Re: Picture / video / file backup

I also use CrashPlan as my online backup. I currently have 8.8TB backed up. http://i65.tinypic.com/2jakapl.png Upload speeds weren't fantastic. It took a bit more than 3 weeks to complete my initial upload, but I tested download speeds and they were a bit better. And it's a last resort anyway. I hav...
by jhfenton
Mon Mar 27, 2017 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: Weathering sell-off days like today
Replies: 107
Views: 7276

Re: Weathering sell-off days like today

uncle otto wrote:...my portfolio went up about 10 bucks today! Woohoo!

:beer I ended up down 3 whole bp! Devastating.
by jhfenton
Mon Mar 27, 2017 7:00 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3712
Views: 978726

Re: U.S. stocks in freefall

After all that foofaraw this morning, my 88% equity (50/50 US/Intl) heavily-tilted portfolio ended up down 3 bp for the day. It just goes to show that you never know. I looked at the global markets this morning and the futures and expected another 1% drop. (I knew the drop in the dollar would offset...
by jhfenton
Mon Mar 27, 2017 3:11 pm
Forum: Investing - Help with Personal Investments
Topic: Where to put small cap value fund in portfolio
Replies: 21
Views: 2075

Re: Where to put small cap value fund in portfolio

Both of our Vanguard Roths are currently 100% VTSAX. Can I exchange out of VTSAX directly into VIOV? Or do I need to exchange from VTSAX into the money market and then purchase VIOV? Since I don't have any experience with ETFs, is there a particular trading method (market, limit, etc.) that is reco...
by jhfenton
Sun Mar 26, 2017 6:03 pm
Forum: Investing - Theory, News & General
Topic: Christine Benz's Three Bucket System
Replies: 77
Views: 8680

Re: Christine Benz's Three Bucket System

My take at first glance: While I don't disagree with her bucket approach, she holds too many funds for my taste. I share her preference for 2 years of cash. I don't know her rationale for holding a balanced fund in bucket 2 nor a bond fund in bucket 3. Bucket 2 could be total bond + TIPS. Bucket 3 ...
by jhfenton
Fri Mar 24, 2017 7:23 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3127

Re: can't logon to vanguard account

I can log in just fine, and the balances and holdings are correct, including last night's dividend reinvestments. But the account history is still down, with an error message in its place: "Data are temporarily unavailable. Please try again later."
by jhfenton
Fri Mar 24, 2017 6:38 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3127

Re: can't logon to vanguard account

I was finally able to log on. It was slow, but it finally loaded.
by jhfenton
Fri Mar 24, 2017 5:25 am
Forum: Personal Consumer Issues
Topic: can't logon to vanguard account [Website Down]
Replies: 92
Views: 3127

Re: can't logon to vanguard account

Down for me too. I can get to the front page, but it stalls after hitting "Log on".
by jhfenton
Thu Mar 23, 2017 8:16 pm
Forum: Investing - Help with Personal Investments
Topic: Why did my fund GO UP so much?
Replies: 33
Views: 3061

Re: Why did my fund GO UP so much?

I saw the same thing with a few funds on my personal spreadsheet the other morning, with quotes pulled in from finance.yahoo.com. :beer I didn't get the 101MM% change, though. My spreadsheet threw errors for the change calculation.
by jhfenton
Thu Mar 23, 2017 7:34 am
Forum: Investing - Help with Personal Investments
Topic: Which of these two bond funds is "better"?
Replies: 14
Views: 1098

Re: Which of these two bond funds is "better"?

Either would be an excellent choice. I'd probably pick whichever one left me room to pick the best funds in other categories. If it's a wash, I'd split money between both so it'd be easier to rebalance both accounts.
by jhfenton
Tue Mar 21, 2017 2:39 pm
Forum: Investing - Theory, News & General
Topic: Why is NAV Limited to Two Decimal Places?
Replies: 36
Views: 4624

Re: Why is NAV Limited to Two Decimal Places?

Now ask yourself why Vanguard has many more shares priced near $20 than near $200 or $2000? There would be a problem if shares were priced at $2000 so every 1/1000 of share was worth $2, but they aren't. VFIAX is almost $220 today. That is highly problematic for reinvestments and small contribution...
by jhfenton
Tue Mar 21, 2017 7:28 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 2123

Re: "Find out if your fund is declaring a quarterly dividend in March"

The numbers for the March 20 funds are posted this morning. The March 20 declaration date mutual funds go ex-dividend tonight, with reinvestment tonight or cash tomorrow morning. The March 20 ETFs go ex-dividend tomorrow morning with payment or reinvestment on March 28. (I hate the reinvestment dela...
by jhfenton
Mon Mar 20, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 389

Re: Need to Set Allocations. New Vanguard Acct.

This is very useful. Thanks. What about replacing both International funds with just the Total International Stock Fund VTIAX? That was my original suggestion but he recommended three funds to ....cover more I guess. Total International Stock is a great single international holding…the best single ...
by jhfenton
Mon Mar 20, 2017 6:10 pm
Forum: Investing - Help with Personal Investments
Topic: Need to Set Allocations. New Vanguard Acct.
Replies: 6
Views: 389

Re: Need to Set Allocations. New Vanguard Acct.

There's unnecessary overlap. Total Stock Market includes the S&P 500, and tracks it very closely. The All World ex-US includes both developed and emerging markets. If you're going to own a separate emerging fund, I'd keep the separate developed markets fund and drop the combo fund. And for the t...
by jhfenton
Mon Mar 20, 2017 12:04 pm
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 1317

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

Unless I were day-trading, I would not choose SPY . It's older structure does not allow internal reinvesting of dividends between dividend dates, resulting in a slight drag in excess of the higher ER. It would have finished the last decade at $20,857.41. Not a big deal, but an unnecessary shortfall...
by jhfenton
Mon Mar 20, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: S&P 500 long-term investment: Mutual Fund vs. ETF?
Replies: 23
Views: 1317

Re: S&P 500 long-term investment: Mutual Fund vs. ETF?

The wiki has some information: m And there is essentially zero difference in performance between FUSVX and IVV. Over 10 years, $10,000 would have grown to $20,981.96 in FUSVX and $20,939.12 in IVV. http://i68.tinypic.com/t8s2o7.png Unless I were day-trading, I would not choose SPY. It's older struct...
by jhfenton
Mon Mar 20, 2017 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Risks of Margin Account (VBS)
Replies: 5
Views: 373

Re: Risks of Margin Account (VBS)

Here's a very old post in this forum, which might or might not still be relevant: Margin Account Dangers Today , by StoneReader, Mon Jul 14, 2008. The safest thing to do is to convert your margin account to a cash account. You can not do this online or by phone. Vanguard requires a letter requestin...
by jhfenton
Mon Mar 20, 2017 9:19 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 2123

Re: "Find out if your fund is declaring a quarterly dividend in March"

InvestorNewb wrote:Vanguard REIT dividend (VNQ) is supposed to be declared today but I don't see it yet:
https://personal.vanguard.com/us/funds/ ... 0986#tab=4

I have five funds declaring today, but none are posted yet.
by jhfenton
Mon Mar 20, 2017 9:09 am
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2659

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

No. Why would I do that? Is your reply the same if you're asked "Do you buy American?" Assuming you're an American, that is. My reply would be the same. As a consumer, I buy the best product or service at the best price and let market competition take care of itself. (And 50% of my portfo...
by jhfenton
Mon Mar 20, 2017 6:47 am
Forum: Personal Consumer Issues
Topic: Should I move in this market?
Replies: 10
Views: 1123

Re: Should I move in this market?

I would not expect that I could judge valuations and time the real estate market any better than I could the stock market.
by jhfenton
Sun Mar 19, 2017 4:10 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1533

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

Ah, OK. Yes, they have been cutting the quotas. I don't use office so I didn't follow what happened with that plan. Yeah. They botched the PR. It was a great example of how not to do things. I don't think many would complain about them offering 1 TB with Office 365 subscriptions, but they announced...
by jhfenton
Sun Mar 19, 2017 3:58 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1533

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I just noticed that my OneDrive quota was recently reduced to 1 TB from 10 TB. I knew that they had dropped it from unlimited to 10 TB, but apparently they've cut it further. A couple of weeks ago, I was still at 10 TB, so I don't know when I was downgraded. You may be misreading. They were at 10 g...
by jhfenton
Sun Mar 19, 2017 3:39 pm
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1533

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I just noticed that my OneDrive quota was recently reduced to 1 TB from 10 TB. I knew that they had dropped it from unlimited to 10 TB, but apparently they've cut it further. I see older complaints online about them cutting it further to 1 TB, but I also see other complaints from this week. A couple...
by jhfenton
Sun Mar 19, 2017 2:57 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 604

Re: Vanguard bank account authorization for joint brokerage account

I missed the significance of the "used in the past for Roth contributions." I think livesoft is right that your husband needs to delete the account and then add it back as a joint account. Then it'll ask for the authorization in your account that MP123 and I recall.
by jhfenton
Sun Mar 19, 2017 2:35 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 604

Re: Vanguard bank account authorization for joint brokerage account

I recall that I added the bank account, and my wife had to go into the same add bank account section using her login to approve it.

But I don't have a way to test it now. :beer
by jhfenton
Sun Mar 19, 2017 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard bank account authorization for joint brokerage account
Replies: 9
Views: 604

Re: Vanguard bank account authorization for joint brokerage account

Have you used your login to log into the joint account and approve the bank connection? I seem to recall that is what my wife had to do.
by jhfenton
Sun Mar 19, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: ETF vs Mutual Funds - a dramatic shifting
Replies: 4
Views: 685

Re: ETF vs Mutual Funds - a dramatic shifting

The article was incoherent. I'm not really sure what to take from it except that some mutual funds are taking a short cut by owning ETFs. Among other flaws, it appears to conflate mutual with expensive and actively-managed compared to inexpensive, presumably indexed ETFs. The only reason that ETFs a...
by jhfenton
Sun Mar 19, 2017 12:21 pm
Forum: Personal Consumer Issues
Topic: Do you purposely spend with companies in your investment portfolio?
Replies: 42
Views: 2659

Re: Do you purposely spend on products/services with companies that are in your investment portfolio?

Nope. My contribution to a company's revenue would make not any appreciable difference to its business. Paying $0.05 more per gallon would cost me $0.80 extra to fill up my car, and I don't expect it would make me an extra penny on the company's stock. Plus, since I own only index funds, I probably ...
by jhfenton
Sun Mar 19, 2017 10:08 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1533

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

Are you doing a true backup (with versioning) or just a mirror? I wasn't sure whom you were addressing, but mine is a mixed bag. Time Machine does full versioning. I have it set to back up hourly, saving hourly versions for 24 hours, daily versions for a month, and weekly for all previous months un...
by jhfenton
Sun Mar 19, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote
Replies: 25
Views: 1533

Re: Jungle Disk now $8/month minimum...thinking of dropping it for Dropbox and Evernote

I maintain two automated local backups (incremental with Time Machine going back to 12/22/14 and bootable nightly clones) of my main drives, a backup of photos and key documents to OneDrive, and a comprehensive backup to CrashPlan (currently holding 8.7TB). The largest bit of that data is on a RAID ...
by jhfenton
Sun Mar 19, 2017 7:07 am
Forum: Investing - Help with Personal Investments
Topic: Pa Muni Fund as Emergency Fund
Replies: 2
Views: 394

Re: Pa Muni Fund as Emergency Fund

Your Fidelity PA muni money market hasn't lost money in a nominal sense, but it returned essentially zero from 2009-2016. And even with short term rates above zero, it is still yielding a pittance (17-23 bp). That money would be safer and return more after tax in a high-yield savings account. I woul...
by jhfenton
Fri Mar 17, 2017 11:35 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Emerging Market Bond Fund
Replies: 46
Views: 5528

Re: New Vanguard Emerging Market Bond Fund

This thread completely went off the rails. The fund we were originally discussing, VEMBX (Vanguard Emerging Markets Bond Fund Investor Shares), just passed its one-year anniversary and is still not available to retail investors. It opened with $10.0 MM in seed money and with a 13.1% total return, it...
by jhfenton
Thu Mar 16, 2017 6:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's recommendation
Replies: 15
Views: 1973

Re: Vanguard's recommendation

Vanguard's questionnaire still suggests 100% equities for me at 47. I answered 11-15 years till starting withdrawals, because that is exactly what I see as our retirement window. And I accurately answered the rest of the questions with my aggressive sentiments. I'm surprised at the recommendation gi...