Search found 521 matches

by Norris
Wed Sep 03, 2008 7:44 am
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

Thanks All,

Any fellow Bogleheads know whether TM Small Cap and TM Growth and Income are convertible to ETF's? If they do convert I'm not finding it.

Norris
by Norris
Tue Sep 02, 2008 1:55 pm
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

This may be a bit late too, but you can avoid the 1% redemption fee by converting from the mutual fund share class to the etf share class (VEA) prior to selling. The fee for conversion through Vng Brokerage is $50. I've been swapping back and forth btw VEU and VEA+VWO and consider them quite interc...
by Norris
Sun Aug 31, 2008 10:48 pm
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

[quote="Sammy_M"]This may be a bit late too, but you can avoid the 1% redemption fee by converting from the mutual fund share class to the etf share class (VEA) prior to selling. The fee for conversion through Vng Brokerage is $50. /quote] Yes, it appears it is too late for me as Vanguard states tha...
by Norris
Sun Aug 31, 2008 9:02 pm
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

Thanks Sammy_ M and DaveTH, enlightening charts. With regard to avoiding the 1% redemption fee, I would more than love to since it's costing in excess of $700. For Vanguard Tax-Managed International, however, I am not seeing a corresponding ETF to convert to. In the case of my Emerging Markets Index...
by Norris
Sun Aug 31, 2008 9:28 am
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

I have sales and a purchase pending on Vanguard Tax Managed Intl, Emerging Markets and FTSE All-World ex-US (VEU) respectively. With regards to International Explorer, it's in my taxable account. It too is down to a small profit that, if sold, would also be "covered" by the loss in TM International....
by Norris
Sat Aug 30, 2008 12:22 pm
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

Good point Ken. I ran the numbers and my tax loss on TM International is more than enough to cover a smaller gain on Emerging Markets and the 1% redemption fee on TMI. I will purchase VEU picking up 6% Canada in the process and pay .25% ER as opposed to .15 and .37 ER for TMI and Emerging Markets. A...
by Norris
Sat Aug 30, 2008 10:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard's Portfolio Review - a question
Replies: 4
Views: 1489

I get the free portfolio review once per year and I find discrepancies. This year, for instance, Vanguard recommends that I have no more than 10% of my portfolio in International. This is based on my desired allocation of 50/50 stocks/bonds. Yet when I look at either my "Integrated" or "Consolidated...
by Norris
Sat Aug 30, 2008 10:23 am
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

Thanks Ken for the info with the easy links! I would like to purchase Vanguard's FTSE All-World ex-US Index Fund (VFWIX) for my entire international allocation but alas: I have the Tax Managed International fund with roughly four more years before the 1% redemtion fee drops off. Also there are the t...
by Norris
Fri Aug 29, 2008 11:22 pm
Forum: Personal Investments
Topic: Short Canada in International
Replies: 20
Views: 3858

Short Canada in International

My international allocation comprises 13.6% of my portfolio or 26.7 of equities. The entire portfolio percentages are as follows: Vanguard International Explorer: 1.6% Vanguard Tax Managed International: 9.1% Vanguard Emerging Markets Index: 2.9% My Vanguard portfolio watch service indicates I am we...
by Norris
Thu Jul 31, 2008 8:21 pm
Forum: Personal Consumer Issues
Topic: No time to think
Replies: 15
Views: 3689

VictoriaF,

This reminds me of a quote I saw from another poster:
I have discovered that all human evil comes from this, man's being unable to sit still in a room.
Blaise Pascal

Food for Thought
Norris
by Norris
Fri Jun 27, 2008 7:53 pm
Forum: Personal Consumer Issues
Topic: Help with a name for a seafood restaurant
Replies: 168
Views: 73815

The Big Fish
:lol:
Norris
by Norris
Sun Mar 23, 2008 9:15 pm
Forum: Investing - Theory, News & General
Topic: Do you regret saving too much when you were younger?
Replies: 70
Views: 18549

Food, Shelter, Clothing and

the love of family/friends are what's most important. Beyond that, it's personal choice in this consumer economy of the greatest country on earth. :) I've always lived beneath my means but because I was "born in the USA", I've lived well and been blessed. I currently save around half my income. No r...
by Norris
Wed Jan 02, 2008 7:50 pm
Forum: Investing - Theory, News & General
Topic: TSP Explains New Limits on Transfers
Replies: 63
Views: 14533

Yet another vote

Victoria, Gordon and Laura: I too favor the new regulations.

Norris
by Norris
Tue Jan 01, 2008 7:04 pm
Forum: Investing - Theory, News & General
Topic: 2008 BOGLEHEAD CONTEST REGISTRATION
Replies: 317
Views: 79901

1607
by Norris
Wed Dec 05, 2007 4:03 pm
Forum: Personal Investments
Topic: Keep Federal Employee Heath Benefits during retirement
Replies: 13
Views: 4341

Thanks Warner. That reference helps. I was surfing somewhere and thought I saw information indicating an annuitant can switch between self and family during open season, even in retirement.

Norris
by Norris
Tue Dec 04, 2007 11:06 pm
Forum: Personal Investments
Topic: Keep Federal Employee Heath Benefits during retirement
Replies: 13
Views: 4341

Carrying FEHB into retirement

I am just now starting FEHB although I have over ten years of government employment (have been covered under my wife's insurance which we may lose). It's my understanding that if I remain covered for five years, regardless of self or family coverage, that I can carry FEHB into retirement for self an...
by Norris
Tue Oct 30, 2007 9:03 pm
Forum: Investing - Theory, News & General
Topic: Ousted Merrill Lynch CEO walks away with $161.4 million
Replies: 12
Views: 3721

Re: Ousted Merrill Lynch CEO walks away with $161.4 million

There is no good purpose. This is greed pure and simple. This man and many others in similar situations should be thankful to have a decent pension. Instead they rip off thousands of average, decent stockholders while they (the ousted) fail to see beyond their nose.
by Norris
Wed Aug 22, 2007 9:41 am
Forum: Personal Finance (Not Investing)
Topic: What Kind of Car Do You Drive and Why?
Replies: 100
Views: 33011

1992 Oldsmobile 88 Royale. 75,200 miles. A lovely boat on the highway. Hoping to keep her nine more years and both of us will be antiques! I walk to work and back 90-95% of the time, unless ice or lightning, four miles round-trip. I get my exercise and save gas at the same time :).

Norris
by Norris
Thu May 10, 2007 4:57 pm
Forum: Personal Investments
Topic: Looking for feedback..
Replies: 9
Views: 2701

Looking for feedback..

Thanks tc33, nick22, chuck D and Andy (again) for your valuable insight. This is the info I was looking for. I will probably bite the tax bullet, eliminate my BRK, and put the proceeds into VG Total Stock Market. I may keep some BRK but will probably just diversify into VTSAX.

Norris
by Norris
Tue May 08, 2007 6:24 pm
Forum: Personal Investments
Topic: Looking for feedback..
Replies: 9
Views: 2701

Looking for feedback..

Thanks for the info Andy. Certainly is food for thought. I suspect that I will need to substantially reduce or eliminate my BRK holdings somewhere in the not- to- distant future. Laura has advised same in an earlier post. I guess if Mr. Buffett were to remain at the helm long-term, then I would be m...
by Norris
Tue May 08, 2007 10:21 am
Forum: Personal Investments
Topic: Looking for feedback..
Replies: 9
Views: 2701

Looking for feedback..

I hold a sizable portion (13%) of Berkshire Hathaway in my otherwise diversified portfolio. If I sell there are, of course, taxes involved. If I hold I pay no taxes and there is no e/r. Is brk not relatively diversified since it owns and/or partially owns so many companies? Thanks for any and all in...