Search found 1387 matches

by jhfenton
Wed Dec 14, 2016 1:00 pm
Forum: Investing - Theory, News & General
Topic: Security Question about Vanguard's Yodlee
Replies: 4
Views: 546

Re: Security Question about Vanguard's Yodlee

I don't use any third-party aggregators for my investments. I'm not willing to give anyone, anywhere my investment passwords. I still keep track of our portfolio in three places: (1) I use my own personal spreadsheet. (2) I use M*'s portfolio manager with manual entry of accounts. And (3) I use Vang...
by jhfenton
Wed Dec 14, 2016 12:05 pm
Forum: Investing - Help with Personal Investments
Topic: aggressive portfolio
Replies: 7
Views: 736

Re: aggressive portfolio

I was a 100%er for 20 years, until 2015, when I turned 45 and realized we might only be 15 years until retirement. Over 2015 and 2016, we've gradually moved to 90/10, and we'll be gliding down to maybe 60/40 as we get our retirement date nailed down. I don't believe 10 years is truly long-term. 10 y...
by jhfenton
Wed Dec 14, 2016 9:10 am
Forum: Personal Finance (Not Investing)
Topic: [55% of households have Zero Credit Card Debt]
Replies: 30
Views: 2885

Re: US households average $16k credit card debt!!!

Also, think about cash-back cards and how they have changed the landscape as far as credit card use goes. If one takes a snapshot of folks who use credit cards for the rewards, they are probably counted as "indebted", but if they pay them off in full every month, what does that mean? This...
by jhfenton
Wed Dec 14, 2016 8:55 am
Forum: Personal Consumer Issues
Topic: Fridge Water Filter Cartridges...A Scam?
Replies: 26
Views: 2610

Re: Frig Water Filter Cartridges...A Scam?

I've been buying the in-fridge ones from Amazon for years. You just got a bad one, or you installed it wrong. When I look on Amazon now for my Whirlpool fridge, I see countless 2 or 3 packs for $15-30.
by jhfenton
Tue Dec 13, 2016 9:14 pm
Forum: Personal Consumer Issues
Topic: How old is your vehicle?
Replies: 200
Views: 13425

Re: How old is your vehicle?

We have a 2008 Ford Fusion with 75K miles that we bought several years ago from my wife's grandmother after she suddenly became unable to drive it. We also a 2012 Honda Odyssey that we purchased new. My just-turned-14-years-old son opened a checking account last month with birthday money and wants t...
by jhfenton
Tue Dec 13, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETFs vs SCHWAB ETFs
Replies: 23
Views: 1242

Re: VG ETFs vs SCHWAB ETFs

Those expense ratios don't take into account that Vanguard returns 100% of securities lending revenue to the fund. Schwab returns 100% as well. iShares does not (they are usually around 70%, but it varies some from fund to fund). Thanks. That's good to know. I didn't have time to dig at work, so I ...
by jhfenton
Tue Dec 13, 2016 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETFs vs SCHWAB ETFs
Replies: 23
Views: 1242

Re: VG ETFs vs SCHWAB ETFs

I should have added that I also don't see any major reason not to use Schwab ETFs. If I had an independent reason to use Schwab, I'd happily use Schwab ETFs. I wouldn't lose a second's sleep over it. I just don't see a huge (or any) cost advantage either.
by jhfenton
Tue Dec 13, 2016 1:44 pm
Forum: Investing - Help with Personal Investments
Topic: VG ETFs vs SCHWAB ETFs
Replies: 23
Views: 1242

Re: VG ETFs vs SCHWAB ETFs

I have both VG and Schwab accounts. I find that Schwab ETFs are comparable to, and much less expensive than VG ETFs. I plan to use Schwab ETFs in my Schwab account. Am I missing anything? Examples: VOO = SCHX ...............NO OF HOLDINGS 514, 744.................EXP 0.05%, .0.03%..........YIELD .....
by jhfenton
Tue Dec 13, 2016 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Telephoning Vanguard
Replies: 75
Views: 4737

Re: Telephoning Vanguard

I've never had any issues getting through. Granted, I've never tried to call on the days when the website indicates high call volume, but that isn't that often. (We're Voyager Select, not Flagship. So I have a different number to call, but no dedicated rep.) Last Friday during the day, I called to a...
by jhfenton
Tue Dec 13, 2016 9:25 am
Forum: Investing - Theory, News & General
Topic: Fidelity Announces Short-Term Trading Fee Removal
Replies: 26
Views: 3665

Re: Fidelity Announces Short-Term Trading Fee Removal

At Vanguard, you can always sell a fund, but you would be locked out of buying it back on line for 30 days. You can always buy it b U S Mail Another easy way than U.S. Mail is to setup an automatic transfer for the next day with the frequency of once per year. Once the transfer is done, delete the ...
by jhfenton
Mon Dec 12, 2016 4:05 pm
Forum: Investing - Theory, News & General
Topic: Why not own every stock sector & rebalance?
Replies: 26
Views: 1912

Re: Why not own every stock sector & rebalance?

The total market is better because it does automatically exactly what you said: Owns every stock sector and rebalances automatically. That's the very definition of a total market stock fund. A total market index may be better. It is certainly cheaper and easier. But it doesn't rebalance between ind...
by jhfenton
Mon Dec 12, 2016 9:50 am
Forum: Investing - Theory, News & General
Topic: Vanguard International High Dividend Yield Index Fund VIHAX
Replies: 4
Views: 801

Re: Vanguard International High Dividend Yield Index Fund VIHAX

I'm shocked that Vanguard would add purchase and redemption fees to an existing fund. They must be seeing excessive flows in and/or out and want to slow it down. That's normal for their newer, more illiquid funds. For example, the Mutual fund of the Global ex us small cap etf VSS has it. So too doe...
by jhfenton
Sun Dec 11, 2016 7:41 am
Forum: Investing - Help with Personal Investments
Topic: Placing a market order over the weekend
Replies: 18
Views: 1704

Re: Placing a market order over the weekend

Unless you're on a settled-cash restriction of some sort, most brokers would execute the trade, and you would have 3 days to settle the cash shortfall.
by jhfenton
Sat Dec 10, 2016 9:32 pm
Forum: Investing - Theory, News & General
Topic: VT expense ratio dropped?
Replies: 22
Views: 2611

Re: VT expense ratio dropped?

columbia wrote:Does Vanguard allow one to automatically reinvest VT dividends within their brokerage accounts?

Yes.
by jhfenton
Sat Dec 10, 2016 5:08 pm
Forum: Personal Consumer Issues
Topic: What site do you prefer for online doc storage?
Replies: 18
Views: 1149

Re: What site do you prefer for online doc storage?

Mostly OneDrive (332 GB) and CrashPlan (8.4 TB).

I have tiny amounts of data in Amazon Drive, Google Drive, and DropBox for specific programs that preferentially use one of those. Apple automatically stores some things in iCloud drive, but other than automatic iOS backups, I don't really use it.
by jhfenton
Sat Dec 10, 2016 4:50 pm
Forum: Investing - Theory, News & General
Topic: Vanguard International High Dividend Yield Index Fund VIHAX
Replies: 4
Views: 801

Re: Vanguard International High Dividend Yield Index Fund VIHAX

I'm shocked that Vanguard would add purchase and redemption fees to an existing fund. They must be seeing excessive flows in and/or out and want to slow it down.
by jhfenton
Sat Dec 10, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Do you have a preferred approach to making the max Roth IRA contributions?
Replies: 30
Views: 1511

Re: Do you have a preferred approach to making the max Roth IRA contributions?

We contribute monthly, because that's what our cash flow allows. In my case, I do not want to deplete our EF to make the $11K in contributions in January. We never know when one of us will lose a job, which in my wife's case was Monday. (In my case, it was December 2008.)
by jhfenton
Fri Dec 09, 2016 4:27 pm
Forum: Investing - Theory, News & General
Topic: Do you think Slice and Dice makes it harder to stay the course?
Replies: 40
Views: 2272

Re: Do you think Slice and Dice makes it harder to stay the course?

Slicing and dicing makes it far easier for me to stay the course. With 6 equity asset classes--large blend, mid value, small value, intl developed, emerging markets, intl small cap--something is almost always doing poorly, or at least less well. It is less volatile than a single-asset-class portfoli...
by jhfenton
Fri Dec 09, 2016 9:52 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 76
Views: 6302

Re: Vanguard's new "account overview" page... BOO!

I'm surprised nobody else is griping. Maybe it's being rolled out in phases or something. Must be something like that, I just looked at the site and as far as I can tell it looks the same as it has for the last year (as I recall I opened my account in October of 2015). It's definitely been in phase...
by jhfenton
Fri Dec 09, 2016 9:39 am
Forum: Investing - Theory, News & General
Topic: Let me start with what I DO know (brokerage CD's)
Replies: 4
Views: 471

Re: Let me start with what I DO know (brokerage CD's)

The reported value of my brokered CDs varies daily at Vanguard, with movements roughly in line with treasuries of the same duration. The reported value is down substantially in the last month on top of a slight decrease since the peak in July, just like treasuries. I don't really pay much attention ...
by jhfenton
Fri Dec 09, 2016 8:23 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 76
Views: 6302

Re: Vanguard's new "account overview" page... BOO!

I'm surprised nobody else is griping. Maybe it's being rolled out in phases or something. Must be something like that, I just looked at the site and as far as I can tell it looks the same as it has for the last year (as I recall I opened my account in October of 2015). It's definitely been in phase...
by jhfenton
Fri Dec 02, 2016 12:26 pm
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs Less Tax Efficient Than Other ETFs?
Replies: 37
Views: 2768

Re: Vanguard ETFs Less Tax Efficient Than Other ETFs?

I don't believe a Vanguard equity hybrid ETF/OE MF has ever distributed any capital gains. They could in theory as you point out, but I haven't seen it. Some Vanguard Bond ETFs have made small year-end capital gain distributions in recent years. Some of the funds have to sell off bonds at the end of...
by jhfenton
Thu Dec 01, 2016 9:38 pm
Forum: Investing - Help with Personal Investments
Topic: TLH Question - Muni Replacement: Bond Fund or MM?
Replies: 5
Views: 521

Re: TLH Question - Muni Replacement: Bond Fund or MM?

I'd just dump everything into Vanguard Limited Term Tax Exempt for the month. It's also conservative, not substantially identical, and only for a month. And the yield is a bit higher (and this is normally intermediate-term bond money, so it's closer to my normal allocation).
by jhfenton
Tue Nov 22, 2016 12:22 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10883

Re: TaxAct pre-purchase discount

On another note, is there any way to see what price you have locked in already? All I see when I login and go to "my return details" is "low price locked in". I don't want to lock in something higher than that, since I think whatever I did before was lower than $46 for online pr...
by jhfenton
Mon Nov 21, 2016 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: TaxAct pre-purchase discount
Replies: 120
Views: 10883

Re: TaxAct pre-purchase discount

On another note, is there any way to see what price you have locked in already? All I see when I login and go to "my return details" is "low price locked in". I don't want to lock in something higher than that, since I think whatever I did before was lower than $46 for online pr...
by jhfenton
Fri Nov 11, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Passive Investing Math Wrong?
Replies: 25
Views: 2403

Re: Passive Investing Math Wrong?

Jack FFR1846 wrote:paywall active. denied

I didn't hit a paywall, and I didn't even have to do the Google and link trick this time.
by jhfenton
Wed Nov 09, 2016 11:28 am
Forum: Investing - Theory, News & General
Topic: U.S. stocks in freefall
Replies: 3305
Views: 812319

Re: U.S. stocks in freefall

What freefall? Yep. The international 50% of our portfolio is down based on last night's drop, but the broad U.S. market is up 0.4% and small-cap value VBR (our largest holding is the Admiral Shares version VSIAX) is up 1.37%. Shocking after watching the futures fall >5% last night and hit limit do...
by jhfenton
Mon Nov 07, 2016 12:21 pm
Forum: Personal Consumer Issues
Topic: Virtual Machines
Replies: 10
Views: 1296

Re: Virtual Machines

One, for browser access to financial sites like my bank and VG (linux) The VM should be the place where you're doing the higher-risk activities. Its compromise does not affect the host, and if you take regular snapshots, you can also revert the VM back to a non-compromised state. I want to second t...
by jhfenton
Mon Nov 07, 2016 9:27 am
Forum: Personal Consumer Issues
Topic: Virtual Machines
Replies: 10
Views: 1296

Re: Virtual Machines

One, for browser access to financial sites like my bank and VG (linux) The VM should be the place where you're doing the higher-risk activities. Its compromise does not affect the host, and if you take regular snapshots, you can also revert the VM back to a non-compromised state. I want to second t...
by jhfenton
Thu Nov 03, 2016 11:40 am
Forum: Investing - Theory, News & General
Topic: SEC small cap tick-size experiment
Replies: 3
Views: 571

Re: SEC small cap tick-size experiment

I don't understand the logic either. The only explanation I've read is that they want to see (1) if it will increase liquidity by attracting more market makers and (2) somehow frustrate HFTs. As for (2), it seems to me that it will increase the exploitable opportunities for HFTs. And as for (1), it ...
by jhfenton
Thu Nov 03, 2016 9:09 am
Forum: Investing - Theory, News & General
Topic: SEC small cap tick-size experiment
Replies: 3
Views: 571

SEC small cap tick-size experiment

http://www.wsj.com/articles/fifteen-years-after-decimalization-tick-size-widening-for-some-small-company-stocks-1475421141 I've known that this was in the works for more than a year, but I noticed yesterday that my company's stock was mostly jumping in 5-cent increments (with occasional prints in be...
by jhfenton
Mon Oct 31, 2016 9:30 am
Forum: Investing - Theory, News & General
Topic: How much international?
Replies: 78
Views: 6796

Re: How much international?

I'm at 50/50 US/Intl now. I used to be 75/25 for many years, but I went to 60/40 two years ago and 50/50 last year. It was partly driven by a contrarian sense that international had underperformed and valuations were low, and it was partly driven by the reality that global market cap was closer to 5...
by jhfenton
Fri Oct 28, 2016 11:51 am
Forum: Personal Finance (Not Investing)
Topic: Sued for General [Investment] Advice?
Replies: 43
Views: 5517

Re: Sued for General Advice?

On financial matters- if I were asked- I would probably talk about what I have done personally, in general terms, without advising anyone else to do the same thing. This is probably almost as safe as staying in the house and not answering the phone. This is the way I approach it. I have family, fri...
by jhfenton
Fri Oct 28, 2016 7:26 am
Forum: Investing - Help with Personal Investments
Topic: What's going on with VGSLX? [Vanguard REIT Index Fund]
Replies: 14
Views: 2140

Re: What's going on with VGSLX? [Vanguard REIT Index Fund]

I recall that Bill Bernstein and Larry Swedroe observed that the REIT fund was getting expensive a few years ago and personally vacated their own positions. If you had been around to read various BH posts about the REIT fund in the recent past, or had done a search, you might have been reluctant to...
by jhfenton
Thu Oct 27, 2016 5:57 pm
Forum: Personal Consumer Issues
Topic: New to HSA account and fees are insane
Replies: 23
Views: 1664

Re: New to HSA account and fees are insane

I don't know why anyone would be defensive about folks feeling irritated over fees. None of us are screaming and ranting about the injustice of it all. If someone complained about cable rates would he get a lecture about the economics of content distribution and the squeeze that MVPDs are feeling a...
by jhfenton
Thu Oct 27, 2016 1:12 pm
Forum: Personal Consumer Issues
Topic: New to HSA account and fees are insane
Replies: 23
Views: 1664

Re: New to HSA account and fees are insane

There is nothing that prevents a provider from not offering checking or debit cards, setting a minimum amount for withdrawals, limiting the number of fee-free annual withdrawals, or requiring sizeable minimum balances to avoid fees. That these are used as awesome tax advantaged savings vehicles by ...
by jhfenton
Thu Oct 27, 2016 12:43 pm
Forum: Personal Consumer Issues
Topic: New to HSA account and fees are insane
Replies: 23
Views: 1664

Re: New to HSA account and fees are insane

I don't know why people seem to think that financial institutions should be in the charity business. There are relatively small fees for HSA accounts, because the institution's costs are higher. Compare HSA accounts to IRA accounts: ⋅ There is roughly $30 Billion in HSA accounts vs. rough...
by jhfenton
Thu Oct 27, 2016 8:34 am
Forum: Personal Consumer Issues
Topic: New to HSA account and fees are insane
Replies: 23
Views: 1664

Re: New to HSA account and fees are insane

I find it irritating too because for me it is nothing more than a doubly-tax-free retirement account, so I feel like at least some provider out there ought to treat it as such and offer fee-free HSAs, as they've done for IRAs for years. But that's not the market at this point. They assume that they'...
by jhfenton
Wed Oct 26, 2016 7:32 am
Forum: Personal Finance (Not Investing)
Topic: Worth Keeping AMEX Gold Delta Skymiles CC?
Replies: 13
Views: 1059

Re: Worth Keeping AMEX Gold Delta Skymiles CC?

I have had the Delta Card for several years and used the miles for a free trip every year. The average miles for a free trip are 40 to 50K, (sometimes you can get a trip for 30K miles) This means you have to spend 40 to 50k a year for a free trip. I am going to switch to Fidelity Visa that has no a...
by jhfenton
Tue Oct 25, 2016 8:17 pm
Forum: Personal Consumer Issues
Topic: How to transfer huge amount of data (>500 GB) to someone through the internet?
Replies: 88
Views: 5529

Re: How to transfer huge amount of data (>500 GB) to someone through the internet?

I would understand if the OP's brother has data limits. Since I live in a competitive Internet market, I can't imagine an ISP getting away with that kind of thing, but I know a few ISPs do. (I could theoretically consume 300GB in less than 45 minutes.) But otherwise, a torrent is *by far* the easies...
by jhfenton
Sun Oct 23, 2016 2:44 pm
Forum: Investing - Help with Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 1289

Re: move from fido brokered cds to bank for better rate?

Liquidity premium? I'd suggest "confusion premium." Secondary CDs are harder to figure out if you've never traded bonds before because the interaction of price, coupon, and yield are confusing when you are just comparing to a direct-from-the-bank CD. Since new issue CDs are sold at par, t...
by jhfenton
Sat Oct 22, 2016 10:47 pm
Forum: Investing - Help with Personal Investments
Topic: move from fido brokered cds to bank for better rate?
Replies: 18
Views: 1289

Re: move from fido brokered cds to bank for better rate?

Are you comparing secondary market brokered CDs or new issue? The secondary market brokered CDs offer much higher yields than new issue for an inexplicable--to me--reason. (It won't work for you, since you have a large lump sum, but since I'm accumulating them slowly, I go even further and selective...
by jhfenton
Sat Oct 22, 2016 10:35 pm
Forum: Investing - Help with Personal Investments
Topic: Regrets using ETFs
Replies: 65
Views: 5663

Re: Regrets using ETFs

Saying that "buying/selling a mutual fund is just like a market order" is a straw man. It's a bogus comparison. It's not just a comparison. It's the reality. Every mutual fund order is a "buy or sell at market close" order. You just don't realize it, because there is no alternat...
by jhfenton
Sat Oct 22, 2016 7:39 am
Forum: Investing - Theory, News & General
Topic: VTI vs ITOT - why does ITOT pay more dividends?
Replies: 7
Views: 1121

Re: VTI vs ITOT - why does ITOT pay more dividends?

The Merril Edge data is not correct.

According to M*, ITOT has an SEC yield of 2.02% with a trailing 12-month yield of 1.95%.

For VTI, the numbers are SEC yield, 1.95%, and 12-month yield, 1.90%.
by jhfenton
Fri Oct 21, 2016 5:18 pm
Forum: Investing - Help with Personal Investments
Topic: can i do TLH between FLTMX and FTABX?
Replies: 4
Views: 455

Re: can i do TLH between FLTMX and FTABX?

DSInvestor linked to a good explanation of the rules. I would not report a wash sale based on the transaction you propose.
by jhfenton
Fri Oct 21, 2016 3:47 pm
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2199

Re: Preferred "disk cloning" software?

I use all three: Time Machine, constant backup of boot and data drive; Carbon Copy Cloner, nightly automated clones of boot drive and data drive; CrashPlan, constant backup of everything, including multimedia drive, but nothing bootable, obviously. (I also have a local mirror of the multimedia driv...
by jhfenton
Fri Oct 21, 2016 7:46 am
Forum: Personal Consumer Issues
Topic: Preferred "disk cloning" software?
Replies: 33
Views: 2199

Re: Preferred "disk cloning" software?

I use all three: Time Machine, constant backup of boot and data drive; Carbon Copy Cloner, nightly automated clones of boot drive and data drive; CrashPlan, constant backup of everything, including multimedia drive, but nothing bootable, obviously. (I also have a local mirror of the multimedia driv...
by jhfenton
Thu Oct 20, 2016 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: DiscoveryBenefits HSA offers only Investor class Vanguard shares
Replies: 9
Views: 510

Re: DiscoveryBenefits HSA offers only Investor class Vanguard shares

It's not a pooled arrangement from an account perspective--i.e. my assets are not held in a giant trust account with my coworkers' assets--but somehow 5th-3rd's brokerage has access to the Admiral Shares. Yes, there are exceptions. HSA Administrators of course is the glaring one because every fund ...

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