Search found 89 matches

by frugaltigris
Tue Oct 01, 2019 8:43 am
Forum: Investing - Theory, News & General
Topic: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges
Replies: 107
Views: 12382

Re: Charles Schwab (SCHW) Eliminating Commissions for Stocks, ETFs and Options Listed on U.S. or Canadian Exchanges

This is good news. Let us see how Fidelity and Vanguard react. My guess is that Fidelity would react and Vanguard would ignore.
by frugaltigris
Tue Oct 01, 2019 8:37 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable: which is better - ETF or Mutual Fund?
Replies: 31
Views: 4044

Re: Fidelity taxable: which is better - ETF or Mutual Fund?

Hi, This is just a quick question. In a Fidelity taxable account: 1. For total stock market, which is more recommend: ITOT (iShares Core S&P Total Market ETF) or FZROX (Fidelity ZERO Total Market Index Fund) 2. And for S&P 500, which is more recommend: IVV (iShares Core S&P 500 ETF) or ...
by frugaltigris
Mon Sep 30, 2019 7:30 pm
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable: which is better - ETF or Mutual Fund?
Replies: 31
Views: 4044

Re: Fidelity taxable: which is better - ETF or Mutual Fund?

Hi, This is just a quick question. In a Fidelity taxable account: 1. For total stock market, which is more recommend: ITOT (iShares Core S&P Total Market ETF) or FZROX (Fidelity ZERO Total Market Index Fund) 2. And for S&P 500, which is more recommend: IVV (iShares Core S&P 500 ETF) or ...
by frugaltigris
Tue Sep 10, 2019 6:54 pm
Forum: Personal Consumer Issues
Topic: Piano keyboard suggestion
Replies: 21
Views: 2138

Re: Piano keyboard suggestion

I researched this a lot some months back. Ended up getting Roland FP10. It has weighted keys and a pedal. Its key action is better than similar range Yamahas.
by frugaltigris
Tue Sep 10, 2019 6:47 pm
Forum: Personal Finance (Not Investing)
Topic: [Frustrated with Vanguard advisory service] Procedures on Death of a Spouse
Replies: 47
Views: 5320

Re: Vanguard Insane (?) Procedures on Death of a Spouse

OP, I am very sorry to hear about your loss. I am shocked by this response from Vanguard. I have accounts at Fidelity and Vanguard and have been thinking to move taxable portion to Vanguard to make things easier for my wife in our joint account. (She prefers MF rather than ETFs). Your description of...
by frugaltigris
Thu Aug 22, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: tax efficiency of funds vs ETFS - better to stay the course than chase a few bp
Replies: 4
Views: 602

Re: tax efficiency of funds vs ETFS - better to stay the course than chase a few bp

Thanks for this analysis OP. But I will be careful with Morning Star figures. This is a question I am myself pondering with for Fidelity index funds as I prefer investing in MF rather than ETfs. I'll try to calculate these numbers too. If the difference between Ishares ETF's and Fidelity index funds...
by frugaltigris
Wed Aug 21, 2019 11:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard's "Bogle Site" gone, but most material available at johncbogle.com
Replies: 59
Views: 13080

Re: Vanguard's "Bogle Site" gone? Hopefully just a glitch.

I would have expected Vanguard preserving website links to Jack Bogle. How much effort does it take? None. I can understand that they would not have maintained them, but removing them is not a good sign. Is Vanguard delinking itself from John C Bogle's philosophy? I hope not. Jack was no less than a...
by frugaltigris
Tue Aug 20, 2019 9:08 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity taxable account users: Do you use ETfs or Fidelity index funds?
Replies: 9
Views: 981

Fidelity taxable account users: Do you use ETfs or Fidelity index funds?

Hi All, One thing I have often read on this board is that Fidelity index funds are not tax efficient. As a reason I myself invest so far only in IShares ETfs. I guess many Fidelity users here use ETfs. But ETFs involve active trading which I wish to avoid. I am wondering what is the percentage of us...
by frugaltigris
Tue Aug 20, 2019 8:30 am
Forum: Personal Finance (Not Investing)
Topic: Fidelity as a one stop shop
Replies: 1751
Views: 257353

Re: Fidelity as a one stop shop

HI All, I think Fidelity as one stop shop is a great idea. I have CMA, brokerage, HSA, 403(b) accounts for me and DW there. I have used Fidelity debit card internationally and it has given my excellent exchange rate and reimbursed foreign ATM fee. I usually maintain only a couple of thousand in my C...
by frugaltigris
Tue Aug 20, 2019 8:22 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard vs. Fidelity??
Replies: 72
Views: 9559

Re: Vanguard vs. Fidelity??

I am myself in similar dilemma. Have accounts at both and I am wondering whether I should consolidate to just one. I like Fidelity instead of Vanguard, but isn't it true that Fidelity index funds are not tax efficient? For those who wish to have automatic investments and not ETFs, then isn't Vanguar...
by frugaltigris
Tue Jun 04, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 10500

Re: Costco or Sam's Club?

Sams knows how to manage crowd. Costco wants people to stay in store and buy more.
by frugaltigris
Tue Jun 04, 2019 12:01 pm
Forum: Personal Consumer Issues
Topic: Costco or Sam's Club?
Replies: 134
Views: 10500

Re: Costco or Sam's Club?

I had Costco membership for 2 years, I gave it up. I have continuous Sams (plus) membership since last 6 years. No plans to give it up. For me shopping is about value, and Sams fills that spot perfectly. I spend more at Costco buying unecessary things, not at Sams. Costco is over-crowded, Sams is go...
by frugaltigris
Fri Apr 19, 2019 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3361

Re: DW worried about What if ...? Wishes to pay off mortgage

Dear All, Thanks very much for all the suggestions. They are very helpful. I have some questions: Is it fine if we have employer based life insurance (which we currently have of 500K each) or shall we get a separate term life insurance independent from employer? Is it possible to include non-US resi...
by frugaltigris
Fri Apr 19, 2019 11:21 am
Forum: Personal Finance (Not Investing)
Topic: DW worried about What if ...? Wishes to pay off mortgage
Replies: 33
Views: 3361

DW worried about What if ...? Wishes to pay off mortgage

Hi Everyone, I apologize that some of these will be newbie questions. I have learned a lot on this forum which has benefited me a lot, but as you will realize I am novice on some basic things. Please help with your advise and as always be kind to this newbie's stupid questions. We are in early 40's ...
by frugaltigris
Thu Feb 28, 2019 9:49 am
Forum: Personal Investments
Topic: Customer Service with Vanguard
Replies: 339
Views: 27875

Re: Vanguard Customer Service is Horrible

I have had a taxable account at Vanguard for last 1 year and I have now decided to move to Fidelity to consolidate everything. Here are some experiences from customer service: 1. Most recently I called to convert one of my MF to the corresponding ETF. I was told by rep that the only way he can help ...
by frugaltigris
Fri Nov 16, 2018 11:40 am
Forum: Investing - Theory, News & General
Topic: [Fidelity Health Savings Account Mega-Thread]
Replies: 1099
Views: 128224

Re: Rumor mill - Fidelity starting individual HSA's Nov. 15th

HI Everyone. A novice question. I have an account at Healthequity through my employer. I already have opened Fidelity HSA account. What is the easiest way to move my monies from Healthequity to Fidelity? At Healthequity I am invested in Vanguard funds, and I am fine in turning them to cash.
by frugaltigris
Thu Oct 18, 2018 11:54 pm
Forum: Personal Consumer Issues
Topic: Any one have a Rotimatic?
Replies: 6
Views: 1445

Re: Any one have a Rotimatic?

I eat rotis almost everyday, cooked by my DW to perfection. I can make my own, though not as good as my DW. We don't use rotimatic. My brother's family uses it and the rotis which turn out are no where in comparison to hand made ones. Difference of gold and dust. Rotis are not soft, machine is clunc...
by frugaltigris
Tue Jun 19, 2018 9:49 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

Thank you so much for sharing this wisdom. Really very grateful. You have 200 monthly payments left, which means that the effective duration for paying down your mortgage (weighted average of the time until all future payments) is about eight years. I am sorry for a novice question but is there a ca...
by frugaltigris
Tue Jun 19, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

I am sorry for a novice question but is there a calculator to compute effective duration for paying down interest. I understand that after some years, my interest portion on the mortgage will be almost all paid off. But I would like to learn how we got the effective 8 years remaining on my mortgage....
by frugaltigris
Mon Jun 18, 2018 7:34 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

Thank you everyone. All these suggestions are very helpful as they are forcing me to think outside my comfort zone. From overall responses, I am realizing that despite still being far away from retirement and with a very stable job, I am extremely risk aversive. It will be good to change my thinking...
by frugaltigris
Mon Jun 18, 2018 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

Net worth is 300K only. If I pay off house fully, then it will be 50% of my total net worth. Asset allocation in my tax advantaged accounts (including 403(b), 457, Roth and HSA) is 60:30:10 (stocks:bonds:cash) OP, 1) What is your net worth besides the house? Would you put too much your eggs into the...
by frugaltigris
Mon Jun 18, 2018 3:09 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

Thank you everyone. No I do not plan to move (hopefully ever). Apart from kid's college (in 8 years; he has a decent 529), I do not see a major event requiring a big chunk of money. We drive old reliable cars. Live frugally. Current mortgage is $831 (principal + interest). If I pay off all mortgage,...
by frugaltigris
Mon Jun 18, 2018 1:37 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Re: Would you pay off mortgage in my situation?

Thanks. No other debt. And I am not of the kind to view mortgage as a debt. I am just too conservative to deploy all savings in taxable in stocks. If your choices are restricted to buying CDs or paying off the mortgage, then I would pay off the mortgage at current interest rates. I would give myself...
by frugaltigris
Mon Jun 18, 2018 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 5634

Re: Paying off mortgage early

Thanks Thanks for sharing this. I am in a similar situation and debating whether to pay it off. Can you please share the way to earn 3.25% tax deferred? I still owe on a mortgage (about 50K at 3.25%). If I stick to scheduled payment it will be paid off when I'm 68. I plan to retire before 68. Curren...
by frugaltigris
Mon Jun 18, 2018 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Would you pay off mortgage in my situation?
Replies: 31
Views: 3231

Would you pay off mortgage in my situation?

Fellow Boglheads, Sorry for bringing up another mortgage pay off thread. But I will be grateful for all your advise. I have a 3.375% 30 year mortgage with 200 monthly payments and 130K principal left. I am thinking to pay it off in next couple of months. That will use all liquidity except in our eme...
by frugaltigris
Mon Jun 18, 2018 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off mortgage early
Replies: 43
Views: 5634

Re: Paying off mortgage early

Thanks for sharing this. I am in a similar situation and debating whether to pay it off. Can you please share the way to earn 3.25% tax deferred? I still owe on a mortgage (about 50K at 3.25%). If I stick to scheduled payment it will be paid off when I'm 68. I plan to retire before 68. Currently it ...
by frugaltigris
Tue Oct 24, 2017 7:50 pm
Forum: Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 4455

Re: Who's got too much RE in India ??. Time to cash out??

I agree with your plan then. If there is overall profit, then sell it.

My FDs faced the same fate. I am debating whether to cut losses or keep them there forever.

Using debit card will charge you about 3.5% here, and on top of it there will ATM fee. You will still come out ahead with a wire.
by frugaltigris
Tue Oct 24, 2017 7:37 pm
Forum: Non-US Investing
Topic: FDs in India: Cut losses or a slow death?
Replies: 12
Views: 2687

Re: FDs in India: Cut losses or a slow death?

There is negligible fee to break FDs.

However, I am not sure how can I declare a loss due to currency depreciation even after I close the FDs and repatriate back. It seems that for personal accounts, this is not possible.
I will be grateful for all the advice.
by frugaltigris
Tue Oct 24, 2017 7:30 pm
Forum: Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 4455

Re: Who's got too much RE in India ??. Time to cash out??

In this case, the unclean transactions are more probable. Probably try to wait for the market to reverse.
by frugaltigris
Tue Oct 24, 2017 7:26 pm
Forum: Personal Investments
Topic: Who's got too much RE in India ??. Time to cash out??
Replies: 31
Views: 4455

Re: Who's got too much RE in India ??. Time to cash out??

As a fellow NRI, I feel the pain. I don't buy the growth story of India any more. If we go in details, numbers are fake and pumped up by the present government. And with all the stupid ideas of the present government things are only going down. To my understanding, it is not easy to just sell RE in ...
by frugaltigris
Sun Oct 22, 2017 9:43 pm
Forum: Non-US Investing
Topic: FDs in India: Cut losses or a slow death?
Replies: 12
Views: 2687

Re: FDs in India: Cut losses or a slow death?

Thanks for the advice. FDs have only decreased in value when converted to current rate of USD. The FDs have increased in Indian ruppees over the time.
by frugaltigris
Sun Oct 22, 2017 6:50 pm
Forum: Non-US Investing
Topic: FDs in India: Cut losses or a slow death?
Replies: 12
Views: 2687

FDs in India: Cut losses or a slow death?

Hi Everyone, I need some advice. Long time ago when I was much younger and novice I had put $30000 in essentially risk free Indian FDs (equivalent of CDs). With currency depreciation they are now worth only $18000 even after growing for about 8-9% in Indian ruppees. I regret this decision of putting...
by frugaltigris
Tue Sep 19, 2017 6:51 pm
Forum: Personal Consumer Issues
Topic: Costco vs sams club vs neither.
Replies: 77
Views: 6309

Re: Costco vs sams club vs neither.

We had Costco and Sams both for two years. Now only have Sams since last couple of years. Sams is far better in my opinion on value. Agrees with Boglehead philosophy more than Costco for me. :happy
by frugaltigris
Sun Sep 03, 2017 7:05 am
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 5952

Re: High-Deductible Health Plan vs. Peace of Mind

Thanks for your reply. You touch an important subtle point. I agree there is a non-financial risk. I learnt early in life Health is the real Wealth and I do not think I would take that risk. Rather I feel that shifting to HDHP will force me to a more healthy lifestyle.
by frugaltigris
Sat Sep 02, 2017 12:10 pm
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 5952

Re: High-Deductible Health Plan vs. Peace of Mind

Thank you very much. This is very helpful. Since I contribute to my state retirement, 403(b) and 457 fully pre-tax my take home pay puts us in 15% tax rate. But it may soon rise to 25% because of my wife's new high paying job a couple of years down the line. The state sponsored plan is from Louisian...
by frugaltigris
Sat Sep 02, 2017 11:31 am
Forum: US Chapters
Topic: Stan died [Long time forum lurker]
Replies: 38
Views: 8555

Re: Stan died

Sorry to hear about Stan. Seemed like a great guy to know. May his soul rest in peace.
by frugaltigris
Fri Sep 01, 2017 6:59 pm
Forum: Investing - Theory, News & General
Topic: Ally savings rate raised to 1.20%
Replies: 51
Views: 9999

Re: Ally savings rate raised to 1.20%

That is a good news. Most of my emergency saving is out there.
by frugaltigris
Fri Sep 01, 2017 9:04 am
Forum: Personal Finance (Not Investing)
Topic: High-Deductible Health Plan vs. Peace of Mind
Replies: 42
Views: 5952

Re: High-Deductible Health Plan vs. Peace of Mind

Hi Everyone, Long time lurker here. This is my first post. I have a similar question as posed by OP. I am a 40 year old state employee and thinking to shift to HDP this year. Family of three, with a young kid. All healthy. I have had two surgeries in last 5 years. One due to an accident (shattered w...