Search found 4169 matches

by natureexplorer
Thu Oct 04, 2012 9:49 am
Forum: Investing - Theory, News & General
Topic: Were the Recent Vanguard Index Changes Really Necessary?
Replies: 46
Views: 4047

Were the Recent Vanguard Index Changes Really Necessary?

Were the recent Vanguard Index Changes Really Necessary? How much savings can we as shareholders expect from this? How long will it take to make up for the cost of the changes (transactional costs)? None of this is clear to be from the articles on Vanguard, so I suspect the savings are nothing to wr...
by natureexplorer
Sat Sep 29, 2012 2:25 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5047

Re: Apple Computers & Laptops

I tried to tell them that our Samsung Android phones, bought for $80 each on sale and for which we pay under $20/month combined, did all the same "wonderful things" their ten times more expensive iphones did. They heard me but they were not swayed. Apple koolaid is very strong. The world would be b...
by natureexplorer
Fri Sep 28, 2012 10:54 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5047

Re: Apple Computers & Laptops

It is beside the point whether Apple products are better or not. To justify their high price points, they wouldn't' just have to be better, they would have to be A LOT better. No, they only have to be perceived as better. Justification has nothing to do with it. I think their results show that a lo...
by natureexplorer
Fri Sep 28, 2012 10:32 pm
Forum: Personal Finance (Not Investing)
Topic: Apple Computers & Laptops
Replies: 55
Views: 5047

Re: Apple Computers & Laptops

It is beside the point whether Apple products are better or not. To justify their high price points, they wouldn't' just have to be better, they would have to be A LOT better. For example, regarding the iPhone some people think it's superior and others thinks it's inferior to alternatives, but nobod...
by natureexplorer
Wed Sep 26, 2012 3:24 pm
Forum: Personal Consumer Issues
Topic: How Important is Car Waxing?
Replies: 32
Views: 5789

Re: How Important is Car Waxing?

Thanks everyone. I guess I will not wax my silver car then.
by natureexplorer
Wed Sep 26, 2012 2:03 pm
Forum: Personal Consumer Issues
Topic: How Important is Car Waxing?
Replies: 32
Views: 5789

How Important is Car Waxing?

Do you wax your car? How often do you wax it? How often should a car get waxed? How much do you pay to get your car waxed?
by natureexplorer
Mon Sep 24, 2012 10:01 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

I love me some dividends . Don't care about the dip in NAV, accumulating more shares that will appreciate in value and earn even more dividends going forward is a beautiful thing. Hoping to be able to live off dividends when the time comes to retire. So do the taxing authorities. :twisted: The only...
by natureexplorer
Mon Sep 24, 2012 9:54 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

I don't get it. Since the fund doesn't need the cash until the end of the year, it can stay invested up until that point. Note that it needs no cash for reinvested dividends; it just issues more shares. Since stocks pay dividends at the end of the year as well, the incoming dividends and new invest...
by natureexplorer
Mon Sep 24, 2012 9:45 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

I love me some dividends . Don't care about the dip in NAV, accumulating more shares that will appreciate in value and earn even more dividends going forward is a beautiful thing. Hoping to be able to live off dividends when the time comes to retire. So do the taxing authorities. :twisted: The only...
by natureexplorer
Mon Sep 24, 2012 9:43 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

https://personal.vanguard.com/us/insights/article/september-dividends-092012 Quarterly dividends make new contributions more tax-efficient, so this is a welcome change. The sad part is that most funds now have the same distribution date, which means one can no longer avoid the dividend without bein...
by natureexplorer
Mon Sep 24, 2012 9:40 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterley Divide

Yes, the quarterly dividends makes it much easier to plan income taxes. Previously, I had to wait until December to have a good estimate of my taxable income. It was harder to plan total taxable income so it would be at the top of the U.S. 15% ordinary income tax bracket. Good point, quarterly divi...
by natureexplorer
Sun Sep 23, 2012 11:59 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

Clever_Username wrote:
natureexplorer wrote:By the way, annual dividends also have more cash drag than quarterly dividends do.
This means that the fund is holding cash, and so it drags down the returns (because the cash isn't appreciating, whereas the stocks in the index can be)?
Yes.
by natureexplorer
Sun Sep 23, 2012 9:10 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterly Dividen

By the way, annual dividends also have more cash drag than quarterly dividends do.
by natureexplorer
Fri Sep 21, 2012 11:39 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 7601

Re: Will you get an iPhone 5?

No I phone, no IPAD, no IPOD, no lap top, no apple product, no GPS, no cell phone. Still on land line and doing fine. Bill W How did you send this message? Telepathically? Desktop/Dial-up. Still the only thing available in many rural areas (the dial-up, that is). Some people still only use library ...
by natureexplorer
Fri Sep 21, 2012 1:16 pm
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11833

Re: Schwab slashes ETF fees

Investors should consider all factors before choosing an ETF. I wrote an article in May that compares Schwab's ETFs to Vanguard on several points including fees at the time. Here is the blog: Schwab ETFs Struggle in the Shadow of Vanguard So, with the drop in ERs at Schwab, are the conclusions stil...
by natureexplorer
Fri Sep 21, 2012 1:14 pm
Forum: Investing - Help with Personal Investments
Topic: What's the best vehicle for fixed income in taxable now?
Replies: 16
Views: 1426

Re: What's the best vehicle for fixed income in taxable now?

Several people are recommending Intermediate Tax-Exempt. Instead of that, I am wondering whether it would make send to to combine Long-Term Tax Exempt and EE bonds. EE bonds have no price fluctuation, so they behave in that sense like short-term bonds. For reference: Vanguard Intermediate-Term Tax-E...
by natureexplorer
Fri Sep 21, 2012 10:55 am
Forum: Investing - Theory, News & General
Topic: Schwab slashes ETF fees
Replies: 84
Views: 11833

Re: Schwab slashes ETF fees

This is a great trend - dropping ETF ERs.
by natureexplorer
Fri Sep 21, 2012 10:50 am
Forum: Investing - Help with Personal Investments
Topic: What's the best vehicle for fixed income in taxable now?
Replies: 16
Views: 1426

Re: What's the best vehicle for fixed income in taxable now?

CaliJim wrote:Duration depends on when you might need the principal.
Honestly, somewhat hard to predict. I already have various equity and fixed income investments in taxable, and what I will sell first will depend on which one outperforms as well as what makes sense to sell first from a tax point of view.
by natureexplorer
Fri Sep 21, 2012 10:47 am
Forum: Investing - Help with Personal Investments
Topic: What's the best vehicle for fixed income in taxable now?
Replies: 16
Views: 1426

Re: What's the best vehicle for fixed income in taxable now?

Dinero wrote:I-Bonds
I have already used up my purchased limit for I-Bonds.
by natureexplorer
Fri Sep 21, 2012 10:20 am
Forum: Investing - Help with Personal Investments
Topic: What's the best vehicle for fixed income in taxable now?
Replies: 16
Views: 1426

What's the best vehicle for fixed income in taxable now?

I just realized that I have dividends coming in from international equity funds that used to be annual. Due to the run-up in stock prices, my AA tells me to put this money in fixed income. Hence, what's the best vehicle for fixed income in taxable now assuming the following parameters? 2012 Marginal...
by natureexplorer
Fri Sep 21, 2012 10:03 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Re: Reminder: Most Vanguard Funds Now Have Quarterley Divide

By the way, I guess the more frequent dividends also make cash-flow management during the spending phase a little easier. Maybe some retirees can chime in.
by natureexplorer
Fri Sep 21, 2012 9:17 am
Forum: Investing - Theory, News & General
Topic: Reminder: Most Vanguard Funds Now Have Quarterly Dividends
Replies: 35
Views: 3699

Reminder: Most Vanguard Funds Now Have Quarterly Dividends

https://personal.vanguard.com/us/insights/article/september-dividends-092012 Quarterly dividends make new contributions more tax-efficient, so this is a welcome change. The sad part is that most funds now have the same distribution date, which means one can no longer avoid the dividend without bein...
by natureexplorer
Wed Sep 19, 2012 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rungs on the career ladder?
Replies: 32
Views: 3687

Re: What are the rungs on the career ladder?

chaz wrote:The top rung is for retirement.
No, the top rung IS retirement.
by natureexplorer
Wed Sep 19, 2012 9:05 pm
Forum: Personal Finance (Not Investing)
Topic: What are the rungs on the career ladder?
Replies: 32
Views: 3687

Re: What are the rungs on the career ladder?

I once worked for a tinycorp and made more than the COO. I also made more than many colleagues, but my specialty was simply much higher paying. But people care more about what their neighbors make than how much they make in absolute terms. So I switched to the other extreme, a smallcorp with manager...
by natureexplorer
Wed Sep 19, 2012 8:47 pm
Forum: Investing - Theory, News & General
Topic: Would you leave a job you love for a 401k?
Replies: 31
Views: 2804

Re: Would you leave a job you love for a 401k?

Taylor Larimore wrote:Pennstater:
Would you leave a job you love for a 401k?
Not in a million years.
I agree. This is a no-brainer.
by natureexplorer
Wed Sep 19, 2012 2:41 pm
Forum: Investing - Help with Personal Investments
Topic: "My first time" (Buying an ETF that is)
Replies: 87
Views: 15749

Re: "My first time" (Buying an ETF that is)

Could it be that the price simply moved by 0.08 cents in between trades? I suppose it is possible. I should have copied the number of shares traded before/after these transactions, but even then maybe some shares trade unreported. I doubt it though because one might expect different "lots" on the b...
by natureexplorer
Wed Sep 19, 2012 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: "My first time" (Buying an ETF that is)
Replies: 87
Views: 15749

Re: "My first time" (Buying an ETF that is)

Livesoft, thanks for sharing! So I decided to place an order to sell in the VBS account and a moment later to place an order to buy in the TDAmeritrade account. Could it be that the price simply moved by 0.08 cents in between trades? Have you done such "exchanges" before? For example, when harvestin...
by natureexplorer
Wed Sep 19, 2012 11:38 am
Forum: Investing - Theory, News & General
Topic: bid/ask spread for ETFs
Replies: 51
Views: 5659

Re: bid/ask spread for ETFs

Sorry to bump a year old thread, but it's a good one. My new PCRA at Schwab has free ETF trading which is great. The Schwab mutual funds are free also, but must be held for 90 days or incur a $49.95 fee. That said, this intra day trading requirement of ETFs and the "cost" of the bid/ask spread has ...
by natureexplorer
Sat Sep 15, 2012 6:39 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 7601

Re: Will you get an iPhone 5?

From work I will soon have the choice to get either an iPhone 5 or a Samsung Galaxy S3. I don't like either particularly, so I will probably get the S3 and put the sim card in another phone I already own. I wouldn't be able to do that with the non-standard iPhone 5 sim card, even though I wouldn't m...
by natureexplorer
Sat Sep 15, 2012 6:17 pm
Forum: Personal Consumer Issues
Topic: Will you get an iPhone 5?
Replies: 108
Views: 7601

Will you get an iPhone 5?

Will you get an iPhone 5?
by natureexplorer
Fri Sep 14, 2012 3:51 pm
Forum: Personal Consumer Issues
Topic: Did Your Portfolio Close at an All-Time High Today?
Replies: 49
Views: 4190

Re: Did Your Portfolio Close at an All-Time High Today?

Jfet wrote:I don't think it was as high today as in 2007 if we use 2007 dollars and subtract out any contributions since then.
Good point about inflation. Cumulative inflation since 2007 has been about 10%, so quite a bit.
by natureexplorer
Fri Sep 14, 2012 3:45 pm
Forum: Personal Consumer Issues
Topic: Did Your Portfolio Close at an All-Time High Today?
Replies: 49
Views: 4190

Re: Did Your Portfolio Close at an All-Time High Today?

Sidney wrote:No choice for I don't know?
I don't know, do you see one?
by natureexplorer
Fri Sep 14, 2012 3:32 pm
Forum: Personal Consumer Issues
Topic: Did Your Portfolio Close at an All-Time High Today?
Replies: 49
Views: 4190

Did Your Portfolio Close at an All-Time High Today?

Did Your Portfolio Close at an All-Time High Today?
by natureexplorer
Fri Sep 14, 2012 3:28 pm
Forum: Investing - Help with Personal Investments
Topic: Are I-Bonds Best Choice for Fixed Income in Taxable?
Replies: 3
Views: 709

Re: Are I-Bonds Best Choice for Fixed Income in Taxable?

I am splitting this year between I & EE. And I plan to keep EE for 20 years. I've actually bought some I-bonds today after CPI data has shown that Nov. combined rate most likely will be > 0. Giving Mr. B promise to keep rates low till 2015, EE might be a better choice. But it is a coin flip. Ok, th...
by natureexplorer
Fri Sep 14, 2012 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Are I-Bonds Best Choice for Fixed Income in Taxable?
Replies: 3
Views: 709

Are I-Bonds Best Choice for Fixed Income in Taxable?

I don't know whether it is better to buy I-Bonds at the end of this month or whether to wait until the end of November, but I have $5k in taxable that need to be put into fixed income due to the unfortunate run-up in stock prices. All my tax-advantaged space is already maxed out and is filled with f...
by natureexplorer
Fri Sep 14, 2012 2:51 pm
Forum: Personal Consumer Issues
Topic: Handling mail during time of wandering
Replies: 9
Views: 1161

Re: Handling mail during time of wandering

Do you only need someone to hold your mail or would you also like someone to scan your mail?
by natureexplorer
Fri Sep 14, 2012 2:44 pm
Forum: Personal Consumer Issues
Topic: Share a grocery list with wife.
Replies: 20
Views: 1873

Re: Share a grocery list with wife.

Google docs. (either a spread sheet or text document) This is one of the few case where the cloud actually adds functionality. +1 Are you all actually using Google Docs for this purpose? While I use Google Docs (or now Google Drive) for many things, I find that it opens documents too slowly. Even a...
by natureexplorer
Mon Aug 13, 2012 9:59 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding dividends
Replies: 19
Views: 2855

Re: Avoiding dividends

Buy shares of Berkshire Hathaway. This makes me wonder. Berkshire does buy dividend-paying businesses/stocks. They obviously don't have to pass those dividends on. Why do mutual funds and ETF then have to distribute dividends? I believe that in some other countries, legislation allows for mutual fu...
by natureexplorer
Mon Aug 13, 2012 9:37 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding dividends
Replies: 19
Views: 2855

Re: Avoiding dividends

Buy shares of Berkshire Hathaway. This makes me wonder. Berkshire does buy dividend-paying businesses/stocks. They obviously don't have to pass those dividends on. Why do mutual funds and ETF then have to distribute dividends? I believe that in some other countries, legislation allows for mutual fu...
by natureexplorer
Mon Aug 13, 2012 9:08 am
Forum: Investing - Help with Personal Investments
Topic: Avoiding dividends
Replies: 19
Views: 2855

Re: Avoiding dividends

Try to do it using mutual funds to reduce the transactional friction of trading ETFs.
by natureexplorer
Fri Aug 10, 2012 11:24 am
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 11964

Re: What was Your Starting Salary Out of College?

Prior to obtaining my college degree I worked full-time at GM on the assembly line making the 2012 equivalent of $83,000 base (plus lots of OT at time and a half). Upon getting my degree I got an entry level job making $24,000 equivalent 2012 dollars! :oops: Are you serious??? $83k base on the asse...
by natureexplorer
Fri Aug 10, 2012 11:22 am
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 11964

Re: What was Your Starting Salary Out of College?

First real job as a lawyer: base salary of $32,500 in 1984. To adjust in today's dollars: Base salary out of law school at my firm is now $105,000. So basically, law school starting salaries have outperformed inflation significantly, as $32,500 in 1984-dollars is only $71,780 in 2012-dollars. Based...
by natureexplorer
Fri Aug 10, 2012 9:44 am
Forum: Personal Finance (Not Investing)
Topic: What was Your Starting Salary Out of College?
Replies: 151
Views: 11964

Re: What was Your Starting Salary Out of College?

Petrocelli wrote:First real job as a lawyer: base salary of $32,500 in 1984.

To adjust in today's dollars: Base salary out of law school at my firm is now $105,000.
So basically, law school starting salaries have outperformed inflation significantly, as $32,500 in 1984-dollars is only $71,780 in 2012-dollars.
by natureexplorer
Fri Aug 10, 2012 8:04 am
Forum: Personal Consumer Issues
Topic: Iphone on Virgin Mobile??
Replies: 40
Views: 5203

Re: Iphone on Virgin Mobile??

Why not buy an AT&T-locked or unlocked GSM iPhone and stick in a StraightTalk AT&T-based sim card for $45 a month unlimited everything? Seems "straight" forward to me.
by natureexplorer
Wed Aug 08, 2012 1:37 pm
Forum: Personal Consumer Issues
Topic: Have you ever Taught Part-Time at a Community College?
Replies: 16
Views: 2923

Re: Have you ever Taught Part-Time at a Community College?

Interesting stories and insight. Thanks a lot everyone for the tips! I appreciate it.
Skinut wrote:No, what kind of class are looking to teach?
It's on a natural sciences subject.
by natureexplorer
Mon Aug 06, 2012 2:12 pm
Forum: Personal Consumer Issues
Topic: Have you ever Taught Part-Time at a Community College?
Replies: 16
Views: 2923

Have you ever Taught Part-Time at a Community College?

Have you ever taught part-time at a community college? If yes, what has been your experience? Any tips?

I am considering to teach an evening class after work at a local community college this fall semester.
by natureexplorer
Mon Jul 30, 2012 3:10 pm
Forum: Personal Finance (Not Investing)
Topic: I am too nice...
Replies: 18
Views: 3650

Re: I am too nice...

So what exactly happened?
by natureexplorer
Mon Jul 30, 2012 3:02 pm
Forum: Personal Finance (Not Investing)
Topic: I am too nice...
Replies: 18
Views: 3650

Re: I am too nice...

What???
by natureexplorer
Mon Jul 30, 2012 3:01 pm
Forum: Personal Consumer Issues
Topic: What's the biggest of amount of cash you have ever found?
Replies: 65
Views: 7291

What's the biggest of amount of cash you have ever found?

What's the biggest of amount of cash you have ever found? I just found $70 last Saturday, a $50 and a $20 bill on a parking lot next to my car. The bills were folded twice in the middle and must have been there for a while as they were stiff, presumably from being exposed to rain and sun. They weren...
by natureexplorer
Thu Jul 26, 2012 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: Best online bank for quality service
Replies: 91
Views: 10328

Re: Best online bank for quality service

There is no such thing as an online bank anymore. There are online-only banks though.

For what it's worth, Wells Fargo actually fits you requirements depending on household balance.