Search found 738 matches

by exigent
Sat Dec 31, 2011 2:27 pm
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average Question
Replies: 18
Views: 1330

Re: Dollar Cost Average Question

OP said that the money is "ready to be reinvested from non-VG funds I recently sold that took 3 days to settle." So there's a good chance that he/she already averaged into the market while building those positions, and is just moving the money from non-VG holdings to VG holdings. Assuming that to be...
by exigent
Sat Dec 31, 2011 10:50 am
Forum: Investing - Help with Personal Investments
Topic: Dollar Cost Average Question
Replies: 18
Views: 1330

Re: Dollar Cost Average Question

If it was just in the market, there's no reason not to put it straight back in.

Question: If you had left it at the old custodian, would you have sold out to cash and then DCA'd starting on January 1? If not, then why would you do that now that you have the money at Vanguard?
by exigent
Thu Dec 22, 2011 5:28 pm
Forum: Investing - Theory, News & General
Topic: when do etf dividends post?
Replies: 4
Views: 383

when do etf dividends post?

Possibly dumb question, but VTI and VXUS went ex-dividend yesterday. Any idea when this money will actually be credited? I've never really paid attention, but I happened to be in my account today and saw that the money isn't there. Presumably it will show up soon (maybe today?) but I'm not exactly s...
by exigent
Thu Dec 22, 2011 4:37 pm
Forum: Investing - Theory, News & General
Topic: auto-investment failed
Replies: 1
Views: 411

auto-investment failed

Hey all, Just curious if any of you have had experience with Vanguard's auto-investment failing. We have two monthly buy transactions set up, with both set to fire on the same day each month. In the past few months one of these has typically failed to fire while the other has gone off without a hitc...
by exigent
Sun Dec 18, 2011 6:52 am
Forum: Investing - Theory, News & General
Topic: Does "buckets" create a CYCLICLY VARYING asset allocation?
Replies: 3
Views: 697

Re: Does "buckets" create a CYCLICLY VARYING asset allocatio

Haven't read it, but based on your summary, it sounds like you are correct -- that the asset allocation would vary cyclically over time. I can't imagine this being a good thing when it comes to risk reduction. Then again, if Lucia can magically guarantee that the stock market will return enough over...
by exigent
Sat Dec 10, 2011 10:52 pm
Forum: Investing - Help with Personal Investments
Topic: "Un-converting" ETFs??
Replies: 13
Views: 935

Re: "Un-converting" ETFs??

I agree with Livesoft. We have ETF shares in several funds but are doing our ongoing accumulation using the Admiral version since it allows easy DCA in round dollar amounts. No need to sell them and deal with tax consequences to hold the mutual fund version. Yes, it's ever so slightly more complex t...
by exigent
Fri Nov 25, 2011 11:05 am
Forum: Investing - Theory, News & General
Topic: Name some $100 bills you've found laying around
Replies: 78
Views: 8500

Re: Name some $100 bills you've found laying around

My wife and I once found a wallet full of crisp $100 bills. 10-12 of them (can't remember exactly how many). We returned it to the rightful owner.
by exigent
Wed Nov 23, 2011 3:57 pm
Forum: Investing - Help with Personal Investments
Topic: What happens to Solo 401k when you stop being self employed?
Replies: 13
Views: 2829

Re: What happens to Solo 401k when you stop being self emplo

Interesting thread. I have a solo 401k (registered to my EIN) but my business is a sole proprietorship so it doesn't cost me anything to keep it open. I've often wondered what happened if I stopped contracting and switched to a regular W2 job and could not longer contribute to the solo 401k anymore...
by exigent
Wed Nov 23, 2011 9:32 am
Forum: Investing - Help with Personal Investments
Topic: What happens to Solo 401k when you stop being self employed?
Replies: 13
Views: 2829

Re: What happens to Solo 401k when you stop being self emplo

I'd be really surprised if you ran into trouble by letting the business lapse but leaving the 401(k) open. I'm not saying that it's not possible, but it's not like the IRS is actively checking business registrations. Is it even against IRS regs to leave it open after the business closes? Whatever yo...
by exigent
Tue Nov 22, 2011 8:32 am
Forum: Investing - Help with Personal Investments
Topic: What happens to Solo 401k when you stop being self employed?
Replies: 13
Views: 2829

Re: What happens to Solo 401k when you stop being self emplo

I believe that you can just keep it in place, or you can roll it to an IRA. I think the primary restriction is on the latter in that you have to show that the business has been dissolved -- but I'm not 100% sure. Given the lack of availability of Admiral shares in Vanguard Solo 401(k) accounts, I wo...
by exigent
Mon Nov 14, 2011 3:16 pm
Forum: Investing - Theory, News & General
Topic: TDdirect new login
Replies: 30
Views: 2731

Re: TDdirect new login

bongleur: If you want to authorized a new computer (or need to re-authorize your existing computer) you just re-request a one-time use code via e-mail.
by exigent
Thu Nov 10, 2011 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct logon procedure
Replies: 59
Views: 5281

Re: Treasury Direct logon procedure

Carol: If you clear cookies or switch computers, you'll just need to request a new access code by e-mail.
by exigent
Wed Nov 09, 2011 9:22 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct logon procedure
Replies: 59
Views: 5281

Re: Treasury Direct logon procedure

FYI: I called early this morning (around 8am eastern) and got through after a long hold time.
by exigent
Wed Nov 09, 2011 8:25 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct logon procedure
Replies: 59
Views: 5281

Re: Treasury Direct logon procedure

FYI: I just got through after a looong hold time. Try calling in the morning (8ish eastern) and maybe you'll be able to get through. I would assume that the queue is also getting shorter as we get further from the transition.
by exigent
Tue Nov 08, 2011 9:18 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct logon procedure
Replies: 59
Views: 5281

Re: Treasury Direct logon procedure

I'm currently getting that same Error 500, but also managed to lock myself out of my account yesterday. Not sure if this is relevant, but I was using Chrome and got in once, but couldn't get back in because it kept asking for the one-time passode, but it wouldn't accept it when I entered it. Had to ...
by exigent
Tue Nov 08, 2011 9:14 am
Forum: Investing - Theory, News & General
Topic: TDdirect new login
Replies: 30
Views: 2731

Re: TDdirect new login

I got in with Chrome yesterday, but then I logged out and tried to log back in. Got asked for a new one-time code even though I checked the box to register my computer, and ultimately managed to lock my account without getting back in. Their phone system is swamped, so I had to leave a message and a...
by exigent
Tue Nov 01, 2011 10:29 pm
Forum: Personal Finance (Not Investing)
Topic: Do Companies Expect Counter-Offers?
Replies: 20
Views: 2941

Re: Do Companies Expect Counter-Offers?

Are you thinking of going back and asking your current employer for a better deal? Or asking the new (prospective) employer for a better offer? Sounds like the latter - correct? Why would they think that you are "moving the goal posts"? Have you already given them guidance as to what you'd accept? I...
by exigent
Wed Oct 26, 2011 6:44 pm
Forum: Investing - Theory, News & General
Topic: Bernstein: Take Risks in Stocks, Not Bonds
Replies: 108
Views: 10665

Re: Bernstein: Take Risks in Stocks, Not Bonds

So... Avoid total bond market, too? That contains a lot more than Treasuries, though most don't view it as terribly risky.
by exigent
Wed Oct 26, 2011 6:41 pm
Forum: Personal Consumer Issues
Topic: Smartphone Case. Rugged, but thin.
Replies: 6
Views: 901

Re: Smartphone Case. Rugged, but thin.

I have (and love) an Incipio Edge on my iPhone 4. Not sure if they make it for Droids, but it's worth checking out if they do.
by exigent
Fri Oct 07, 2011 8:04 am
Forum: Investing - Help with Personal Investments
Topic: Am I Crazy to Pay Off My Mortgage?
Replies: 71
Views: 10540

Can't answer for you, but I can tell you what we did... We refi'd into a 15 year at 4.75% back in mid-2007. In January 2010, we decided to make a lump sum payment and kill it off entirely. Haven't regretted it once since. FWIW, our rate wasn't quite as low as yours, but we were doing all the other s...
by exigent
Mon Oct 03, 2011 8:57 pm
Forum: Investing - Theory, News & General
Topic: Do you quantify your TLH friction?
Replies: 11
Views: 1382

I've thought about doing it, but I've never bothered. I just close my eyes, hold my breath, and TLH.
by exigent
Sun Oct 02, 2011 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Dividend ETF
Replies: 5
Views: 850

http://tinyurl.com/43tlvhu Seriously. This sort of thing can be found in less than 10 seconds on Google. Certainly faster than coming here, posting about it, and then waiting for a response. And the answer is: Vanguard Dividend Appreciation ETF (VIG) Direct link: http://bit.ly/qmCek0 As an aside, it...
by exigent
Sat Oct 01, 2011 10:36 pm
Forum: Investing - Help with Personal Investments
Topic: Quarterly Review. Keep this allocation?
Replies: 5
Views: 658

Do you plan on changing allocation every few months? You called this a quarterly review and then stated that you've held you current allocation for four months. Most people around here have a well defined plan that they intend to follow forever, if not longer.
by exigent
Fri Sep 30, 2011 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Small taxable account purchases- are they worth it?
Replies: 8
Views: 1146

Something to keep in mind: You can only buy whole shares of ETFs (though reinvestment can create fractional shares). Thus, it's kind of annoying to invest small dollar amounts. Let's say you have $200 and you want to buy VTI, currently at $58. You could buy 3 shares, and you'd have $26 left over. Ne...
by exigent
Fri Sep 30, 2011 7:40 am
Forum: Personal Consumer Issues
Topic: Moneydance to track investments and misc?
Replies: 5
Views: 941

I have not, but I can't imagine it will be that different. My only problem was that certain types of transactions got duplicated, but these were relatively rare and fairly easy to locate and delete. It took me a few hours total to migrate and clean up over 14 years worth of data.
by exigent
Thu Sep 29, 2011 8:44 pm
Forum: Personal Consumer Issues
Topic: Moneydance to track investments and misc?
Replies: 5
Views: 941

Moneydance is excellent. I recently migrated Quicken Mac data going back to Jan 1, 1997 with minimal problems. Yes, there was a little manual cleanup, but it was pretty easy and it's been great ever since. Note that I never used Quicken for online billpay, so I can't comment on that.
by exigent
Thu Sep 29, 2011 4:55 pm
Forum: Personal Finance (Not Investing)
Topic: Texas teachers fund throws Vanguard under the bus
Replies: 20
Views: 4230

Re: vanguard still available thru brokerage link to 403b and

I just got the information about the changes. Vanguard will still be available through a brokerage link to 403b and ORP, which will be an additional investment choice. There will be a transaction fee of $75. This option of using the brokerage link will also circumvent the high expense ratio of some...
by exigent
Thu Sep 29, 2011 1:37 pm
Forum: Investing - Help with Personal Investments
Topic: upset with vanguard- "free riding" question
Replies: 41
Views: 13542

I don't think the problem here is the free riding penalty per se, but the fact that he wasn't notified that this restriction had been placed on his account. It's easy to imagine that someone would trigger the free riding rule without really realizing it, so it would be nice if Vanguard actually told...
by exigent
Thu Sep 29, 2011 8:31 am
Forum: Investing - Help with Personal Investments
Topic: Tax Loss Harvesting question
Replies: 1
Views: 333

I don't know those funds but, as a general rule, if they track different indices, I'd be comfortable doing it.
by exigent
Tue Sep 27, 2011 6:42 am
Forum: Investing - Theory, News & General
Topic: What drives the cost of shares in a bond fund?
Replies: 5
Views: 806

All else being equal, increased demand results in higher prices and lower yields.
by exigent
Tue Sep 27, 2011 6:40 am
Forum: Personal Finance (Not Investing)
Topic: Texas teachers fund throws Vanguard under the bus
Replies: 20
Views: 4230

Dale is correct. The 403(b) regs changed. We lost access to Vanguard because of this. I don't entirely understand the details, but it's something like there is an increased level of record-keeping required (= higher compliance costs) and Vanguard isn't willing to provide that level of support, so em...
by exigent
Mon Sep 26, 2011 2:02 pm
Forum: Personal Consumer Issues
Topic: best way to support passage of law on bottle/can deposits
Replies: 33
Views: 1987

Re: best way to support passage of law on bottle/can deposit

2) You never get the enviro fee back. Only the deposit. And only then if you make the effort to actually truck over to the recycling facility and get your deposit back. For someone who buys bottled water/juice boxes for hiking and traveling purposes, imagine the (however small) headache of retainin...
by exigent
Mon Sep 26, 2011 1:58 pm
Forum: Personal Consumer Issues
Topic: best way to support passage of law on bottle/can deposits
Replies: 33
Views: 1987

Re: best way to support passage of law on bottle/can deposit

2) You never get the enviro fee back. Only the deposit. And only then if you make the effort to actually truck over to the recycling facility and get your deposit back. For someone who buys bottled water/juice boxes for hiking and traveling purposes, imagine the (however small) headache of retainin...
by exigent
Mon Sep 26, 2011 12:32 pm
Forum: Personal Consumer Issues
Topic: best way to support passage of law on bottle/can deposits
Replies: 33
Views: 1987

Re: best way to support passage of law on bottle/can deposit

2) You never get the enviro fee back. Only the deposit. And only then if you make the effort to actually truck over to the recycling facility and get your deposit back. For someone who buys bottled water/juice boxes for hiking and traveling purposes, imagine the (however small) headache of retainin...
by exigent
Sun Sep 25, 2011 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using Personal Finance Software
Replies: 26
Views: 11203

I recently ditched Quicken 2007 (Mac) due to a lack of Lion support. I replaced it with Moneydance, and I really (really!) like it. I also ditched Quicken for Mac 2007 for the same reason. I replaced it with iBank & really like it. AFAIK, iBank doesn't support specific ID of tax lots, which is very...
by exigent
Sun Sep 25, 2011 10:07 am
Forum: Personal Consumer Issues
Topic: rowing machine?
Replies: 39
Views: 5133

I have a $100 (new) rowing machine from ebay. I've used it 3X per week over about five years to augment my main exercise, which is all lower body (cycling). Rowing won't do much to burn fat (you're using small muscle groups), but it will strengthen the muscles of the back and shoulders. Nick I coul...
by exigent
Sun Sep 25, 2011 9:54 am
Forum: Investing - Help with Personal Investments
Topic: TLH. First Time. Simple questions.
Replies: 14
Views: 1465

Selling all = selling your entire position. Selling partial = selling a portion of your position. If you sell partial, you'll likely want to do specific ID of tax lots and you will need good records -- what you paid for each lot, sale proceeds, and documentation that you informed your broker which l...
by exigent
Sun Sep 25, 2011 7:50 am
Forum: Personal Consumer Issues
Topic: rowing machine?
Replies: 39
Views: 5133

We have a Concept2 rower. As with any exercise, some like rowing, some hate it. But if you want a rower, this is the way to go.
by exigent
Sat Sep 24, 2011 10:41 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or split equally between VSMAX, VIMAX, & VLCAX
Replies: 23
Views: 4394

One thing to consider is that strong tilting toward SCV is sometimes recommended in conjunction with reducing your overall equity allocation. That is, you're taking on more risk in the equity arena, but this allows you to reduce your overall equity allocation due to the higher expected returns.
by exigent
Sat Sep 24, 2011 10:03 pm
Forum: Investing - Theory, News & General
Topic: not enough in sweep account...
Replies: 4
Views: 687

Hmmm. Upon further review, this was a false alarm. Long story short, I failed to account for the 9/22 Total Stock Market dividend distribution, which more than covers the difference. I was in the midst of updating things, saw the shortage, and I guess I kinda freaked out. In retrospect, I doubt it w...
by exigent
Sat Sep 24, 2011 9:48 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or split equally between VSMAX, VIMAX, & VLCAX
Replies: 23
Views: 4394

Re: VTSAX or split equally between VSMAX, VIMAX, & VLCAX

My goal is to weight as follows: small 35 mid 25 large 10 bonds 25 Just trying to keep things simple while pondering other ideas. Not ideas to act on per se but just thinking. Correct me if I'm wrong, but buying those three funds in equal amounts wouldn't achieve this, would it? Just curious why yo...
by exigent
Sat Sep 24, 2011 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or split equally between VSMAX, VIMAX, & VLCAX
Replies: 23
Views: 4394

Re: VTSAX or split equally between VSMAX, VIMAX, & VLCAX

croshay wrote:Yes, my plan calls for overweight in small caps.
In that case, you should overweight in small caps. Easiest way to do this would be to add a small cap fund to TSM. Value or not, that's up to you. If your goal is to overweight in small cap, then why mess around with the mid cap fund?
by exigent
Sat Sep 24, 2011 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: Anybody using Personal Finance Software
Replies: 26
Views: 11203

To make cash show up in your allocation, you could track your bank accounts as brokerage accounts with a stable $1 share value -- essentially as you would track your balance in a money market mutual fund in a real brokerage account.
by exigent
Sat Sep 24, 2011 8:12 pm
Forum: Investing - Theory, News & General
Topic: not enough in sweep account...
Replies: 4
Views: 687

Hahaha. Ummm, no. But moving money in before the settlement date should be sufficient, correct?
by exigent
Sat Sep 24, 2011 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or split equally between VSMAX, VIMAX, & VLCAX
Replies: 23
Views: 4394

Guess I'm trying to get a better understanding on why an investor who tilts toward small value (myself) would pay 20 basis points more to achieve the overweighting as opposed to splitting VTSAX and allowing that to automatically happen at less cost. I understand VSMAX is a blend and not all value b...
by exigent
Sat Sep 24, 2011 8:03 pm
Forum: Investing - Theory, News & General
Topic: not enough in sweep account...
Replies: 4
Views: 687

not enough in sweep account...

Hey all, Due to an apparent math error on my part when making a couple of ETF transactions (TLH-related), I have a "net debit" on my VBS that exceeds the amount in my Prime MM sweep account by a few hundred dollars. Since the last of these trades doesn't settle until Wednesday, I'm assuming that I c...
by exigent
Sat Sep 24, 2011 7:16 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Same Day Trades
Replies: 5
Views: 711

Just heard about this. Nice upgrade.
by exigent
Sat Sep 24, 2011 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: VTSAX or split equally between VSMAX, VIMAX, & VLCAX
Replies: 23
Views: 4394

I like small cap tilt as well. So, to make sure I'm understanding correctly...I would hold VTSAX and tilt by buying VISVX with .37 ER as opposed to original post? Yeah, that sounds about right. But make sure you're holding enough VISVX to actually make a difference if you decide to do this. Obvious...
by exigent
Sat Sep 24, 2011 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: I've lost so much money...
Replies: 23
Views: 6163

newport1 wrote:I am re-re-re tax harvesting. I have enough realized losses to last multiple lifetimes. Now watch Congress eliminate the cap gains tax.
I just wish they'd up the amount that can be used to offset ordinary income. Not likely, but a guy can dream, right?