Search found 925 matches

by Silence Dogood
Thu Feb 28, 2019 7:59 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9410

Re: Vanguard ETF (VXUS) cheaper than Admiral Share counterpart

I think it is mostly marketing. Exchanging and Trading is how "the system" makes money. What if the masses trade/exchange 1% more with an ETF compared to a Mutual Fund? 1% of trillions is a lot of money. More fees. No fractional shares is enough to keep me in mutual funds. .02% isn't enough to lure...
by Silence Dogood
Tue Feb 26, 2019 11:59 am
Forum: Investing - Theory, News & General
Topic: Vanguard Ups the Ante in an ETF Race to Zero - Fees are coming down on seven ETFs
Replies: 97
Views: 9410

Re: Vanguard Ups the Ante in an ETF Race to Zero Fees are coming down on seven ETFs, with combined assets of more t

jhfenton wrote:
Tue Feb 26, 2019 11:53 am
Silence Dogood wrote:
Tue Feb 26, 2019 11:47 am
Is there a list of the mutual funds that are reducing fees?
That is the list. The ETFs at least. The fees on the Admiral Shares all stayed the same as last year.
Huh. The OP (quoting the WSJ) seemed to indicate that 43 mutual funds also reduced fees.

Either way, thank you for your time.
by Silence Dogood
Fri Feb 15, 2019 6:48 am
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 6796

Re: Thoreau Quotes

As for quotations from Walden, I like this one, which seems particularly apropos to the age of Facebook: We are in great haste to construct a magnetic telegraph from Maine to Texas; but Maine and Texas, it may be, have nothing important to communicate.... We are eager to tunnel under the Atlantic a...
by Silence Dogood
Fri Feb 15, 2019 6:40 am
Forum: Personal Consumer Issues
Topic: Thoreau Simplify
Replies: 64
Views: 6796

Re: Thoreau Simplify

Simplify, simplify. —H. D. THOREAU One “simplify” would have sufficed. —RALPH WALDO EMERSON, IN RESPONSE Did Ralph Waldo Emerson actually say/write this? I can't find any reliable source for that. I think Thoreau was very intentional in repeating "simplify" - it bears repeating. It's not a singular...
by Silence Dogood
Fri Jan 25, 2019 7:38 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3918

Re: Happy Birthday, Taylor!

Happy 95th birthday, Taylor!

Stay the course!
by Silence Dogood
Wed Jan 23, 2019 12:54 pm
Forum: Personal Investments
Topic: Investing in only 3 target funds just seems.... strange.
Replies: 13
Views: 1620

Re: Investing in only 3 target funds just seems.... strange.

Total World is a single holding, not any more complicated or less diversified than a Target Date fund . OP said they wanted less bonds. It’s possible to do that without any additional complexity. And since it’s tax-advantaged, there’s no cost to making changes either. The advice on this board can b...
by Silence Dogood
Tue Jan 22, 2019 12:34 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Tax Forms
Replies: 11
Views: 2160

Re: Vanguard Brokerage Tax Forms

I remember getting only one form when I "upgraded" to brokerage - usually in late May.... I also seem to remember getting the form only when I made a contribution for the year. I retired in 2017 so I didn't contribute to the Roth this year😆 Thanks for the response! Do you remember if you made a con...
by Silence Dogood
Mon Jan 21, 2019 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Tax Forms
Replies: 11
Views: 2160

Re: Vanguard Brokerage Tax Forms

Thanks for the quick replies. I received two tax documents one for mutual funds before the transfer and another for the brokerage account. I am going to report dividends and interest from each mutual fund from the mutual fund account and use the total dividends/interest from the brokerage account i...
by Silence Dogood
Mon Jan 21, 2019 8:49 pm
Forum: Investing - Theory, News & General
Topic: One Fund to Rule Them All
Replies: 52
Views: 4863

Re: One Fund to Rule Them All

I am going to just blurt it out. I hate TARGET DATE FUNDS. There is no standard definition that I know of for their composition or glide path. It is way too random for my liking. I think her plan to go with a single broad based index fund then moving into fixed income assets as she sees fit is a be...
by Silence Dogood
Mon Jan 21, 2019 11:20 am
Forum: Personal Consumer Issues
Topic: Grocery shopping strategy
Replies: 146
Views: 9495

Re: Grocery shopping strategy

DW and I do most of our grocery shopping at Wegmans. It's convenient (a short drive away) and open from 6AM to midnight. We use the Amex Blue Cash Preferred card for 6% back on groceries. Personally, I don't think it's worth the effort to spend too much time trying to research how to save a few doll...
by Silence Dogood
Mon Jan 21, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage Tax Forms
Replies: 11
Views: 2160

Re: Vanguard Brokerage Tax Forms

Thanks for the quick replies. I received two tax documents one for mutual funds before the transfer and another for the brokerage account. I am going to report dividends and interest from each mutual fund from the mutual fund account and use the total dividends/interest from the brokerage account i...
by Silence Dogood
Wed Jan 16, 2019 9:09 pm
Forum: Investing - Theory, News & General
Topic: John Bogle has died at age 89
Replies: 856
Views: 52006

Re: John Bogle is dead at 89

Rest in peace, Jack.

Like so many others, you changed my life for the better.

Let us stay the course!
by Silence Dogood
Sun Dec 30, 2018 1:57 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Mix
Replies: 41
Views: 6907

Re: Credit Card Mix

Is it possible to convert the Preferred card to the no-annual fee version without actually having to close the line of credit? Most credit card companies will gladly keep you as a customer and move you to another card or offer to waive all/part of the fee. Would this affect my "length of credit his...
by Silence Dogood
Sun Dec 30, 2018 1:42 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Mix
Replies: 41
Views: 6907

Re: Credit Card Mix

Is it possible to convert the Preferred card to the no-annual fee version without actually having to close the line of credit? Most credit card companies will gladly keep you as a customer and move you to another card or offer to waive all/part of the fee. Would this affect my "length of credit his...
by Silence Dogood
Sun Dec 30, 2018 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Mix
Replies: 41
Views: 6907

Re: Credit Card Mix

Any thoughts on the AMEX Blue Cash Preferred card? Groceries are one of my highest expenses but I'm not sure if the $95 annual fee is worth it (compared to other cards). Depends on what your spending looks like. Just run the math on what you typically spend on the bonuses categories and estimate wh...
by Silence Dogood
Sat Dec 29, 2018 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Mix
Replies: 41
Views: 6907

Re: Credit Card Mix

Any thoughts on the AMEX Blue Cash Preferred card?

Groceries are one of my highest expenses but I'm not sure if the $95 annual fee is worth it (compared to other cards).
by Silence Dogood
Fri Dec 28, 2018 12:24 pm
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 7086

Re: Ally-14 month Select CD at 2.85%

I noticed this today. Currently Ally offers a 12 month CD for 2.75%. Is the 2.85% (0.1% higher) rate worth being locked in for an additional 2 months? I vascillated on both, decided on the 12 mo as December seems to be the time Ally has better deals on CDs . . . I'll find out next Dec if I made the...
by Silence Dogood
Thu Dec 27, 2018 8:23 pm
Forum: Investing - Theory, News & General
Topic: Ally-14 month Select CD at 2.85%
Replies: 25
Views: 7086

Re: Ally-14 month Select CD at 2.85%

I noticed this today.

Currently Ally offers a 12 month CD for 2.75%.

Is the 2.85% (0.1% higher) rate worth being locked in for an additional 2 months?
by Silence Dogood
Mon Dec 24, 2018 11:03 am
Forum: Personal Consumer Issues
Topic: E-mail from "VANGUARD MONEY MARKET RESERVES INC." - Phishing?
Replies: 15
Views: 1772

Re: E-mail from "VANGUARD MONEY MARKET RESERVES INC." - Phishing?

Thank you both for your responses.

Merry Christmas and Happy New Year.
by Silence Dogood
Mon Dec 24, 2018 10:34 am
Forum: Personal Consumer Issues
Topic: E-mail from "VANGUARD MONEY MARKET RESERVES INC." - Phishing?
Replies: 15
Views: 1772

E-mail from "VANGUARD MONEY MARKET RESERVES INC." - Phishing?

Hello Bogleheads, I happened to look through my "spam" inbox (which I don't often do) and noticed an e-mail from "Vanguard Brokerage Services" that was sent on December 19th. The subject line is: "VANGUARD MONEY MARKET RESERVES INC. Important Information." The sender's address is id @proxyvote.com (...
by Silence Dogood
Mon Dec 24, 2018 9:57 am
Forum: US Chapters
Topic: My Christmas Present To You
Replies: 108
Views: 11802

Re: My Christmas Present To You

Taylor, thank you for this wonderful gift. I look forward to it each year.

Yours is the gift that keeps on giving!

I hope you enjoy your time with the Steveler family.
by Silence Dogood
Thu Nov 29, 2018 12:34 am
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 101
Views: 6810

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Uh, I ordered this morning and my email confirmation has nothing about the discount. Just it total price. Did I screw up? I didn't see a promo code or anything. No. Per reddit, a lot of people who ordered early saw nothing. Then people who ordered later in the day starting seeing things in their ca...
by Silence Dogood
Wed Nov 28, 2018 11:38 pm
Forum: Personal Consumer Issues
Topic: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value
Replies: 101
Views: 6810

Re: 11/28 Today Only, buy a phone on Google FI and get travel gift card of same value

Deal appears to be dead (out of stock). Many phones still show in stock for me, including all 3 colors of Pixel 3 with 64GB. It appears the sale continues until midnight PST. Thanks for this thread. I was busy at work and saw but didn't really notice the announcements elsewhere. I trust this forum ...
by Silence Dogood
Mon Nov 19, 2018 11:57 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20548

Re: Vanguard lowering Admiral level to $3,000?

Yes, I understand the reasoning behind their decision, but it still significantly changes the equation regarding whether or not to stick with a Target Retirement fund or invest in each of the underlying funds directly. At $140 per year per $100k invested, its hard to get too worked up about the exp...
by Silence Dogood
Mon Nov 19, 2018 11:14 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20548

Re: Vanguard lowering Admiral level to $3,000?

Right now Vanguard appears to be converting the investor shares to admiral shares (investor shares are currently closed for new investments). In order to do what I'm advocating, they would then have to convert all the admiral shares to investor shares. Why would they be converting the investor shar...
by Silence Dogood
Mon Nov 19, 2018 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20548

Re: Vanguard lowering Admiral level to $3,000?

The ever present asterisk: " * Investor Shares will still be used in certain situations, such as in retirement plans and fund-of-funds investments. " Too bad. What percent of Vanguard holdings are in "retirement plans" - anyone know approximately? RM I can't help but feel like it just got a lot mor...
by Silence Dogood
Mon Nov 19, 2018 10:09 am
Forum: Investing - Theory, News & General
Topic: Vanguard lowering Admiral level to $3,000?
Replies: 227
Views: 20548

Re: Vanguard lowering Admiral level to $3,000?

The ever present asterisk: " * Investor Shares will still be used in certain situations, such as in retirement plans and fund-of-funds investments. " Too bad. What percent of Vanguard holdings are in "retirement plans" - anyone know approximately? RM I can't help but feel like it just got a lot mor...
by Silence Dogood
Fri Nov 09, 2018 8:38 am
Forum: Investing - Theory, News & General
Topic: Do you prefer etfs or mutual funds?
Replies: 52
Views: 5267

Re: Do you prefer etfs or mutual funds?

I prefer mutual funds.

I like being able to purchase fractional shares and I like being able to set up automatic investments.
by Silence Dogood
Thu Nov 01, 2018 1:25 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 29
Views: 7903

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

It's official - the IRS has announced today that the IRA contribution limit in 2019 will be $6,000.
by Silence Dogood
Wed Oct 31, 2018 4:24 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 29
Views: 7903

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

Spirit Rider wrote:
Wed Oct 31, 2018 11:28 am
Correction October 28th in 2010 and October 31st in 2013.
Interesting.

Well, in 2013 there was a government shutdown (from 10/01/2013 to 10/17/2013) so that could explain the delay that year.

I'm not sure why there was a delay in 2010 and I'm definitely not sure why there is a delay this year.
by Silence Dogood
Wed Oct 31, 2018 11:06 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 29
Views: 7903

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

Spirit Rider wrote:
Mon Oct 29, 2018 4:22 pm
No, historically it is usually released by the Friday following the CPI release.

The last time it was this late was 2009 when there was deflation.
Thanks for the information.

Do you know what date it was in 2009 when it was released?
by Silence Dogood
Mon Oct 29, 2018 3:59 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 29
Views: 7903

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

Bogleheads....I am wondering the likelihood of Roth IRA contribution limits increasing to 7K (6K + 1K catchup), and 401K limits going to 25K (19K + 6K catchup) in light of rising inflation. My guess is that it will, but I think this depends on the CPI in August, right? Right. The data will be avail...
by Silence Dogood
Sun Aug 26, 2018 12:48 pm
Forum: Personal Investments
Topic: Online savings account for 17 yr old?
Replies: 6
Views: 552

Re: Online savings account for 17 yr old?

Honestly, I would just wait until she's 18. She will be 18 in less than a year, after all. Don't start off her financial life by complicating things. In less than a year, how much more interest will she actually earn on that $2,000? Also, once she does turn 18, she should be the one to actually open...
by Silence Dogood
Sun Aug 26, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: I still use cash not credit cards should I reconsider?
Replies: 102
Views: 8232

Re: I still use cash not credit cards should I reconsider?

The real problem with cash is that it's becoming increasingly less convenient to use as prices rise over time (inflation over the long term). For example, getting back change (coins) is just a nuisance nowadays, whereas 50 years ago coins were actually very useful. The $11 that I spent on lunch the ...
by Silence Dogood
Tue Aug 14, 2018 11:27 am
Forum: Investing - Theory, News & General
Topic: New Vanguard Security Code Requirement [2FA: Two-factor authentication]
Replies: 198
Views: 18165

Re: New Vanguard Security Code Requirement [2FA: Two-factor authentication]

So, I think it's safe, and if your cookies get cleared or change browsers of computers, it's not a probkem. I keep seeing this cookies clear thing. I periodically clear cookies but have not had a 2FA problem. Either cookies are not an issue or I have screwed up somewhere. Help me. My browser delete...
by Silence Dogood
Sun Aug 12, 2018 9:28 am
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 134
Views: 11382

Re: [New Vanguard website layout starting Saturday, August 11]

I prefer the old format as well. I'm a millennial but I don't see any reason to access Vanguard via mobile phone. It's one thing for online banking, to check balances, etc. but with Vanguard there's not any reason to. I also wish that Vanguard would allow for more than 12 characters as a username. I...
by Silence Dogood
Fri Aug 03, 2018 5:37 pm
Forum: Investing - Theory, News & General
Topic: Fidelity Files for Four Fidelity ZERO℠ Funds (0.00% ER)
Replies: 807
Views: 87637

Re: Fidelity Files for two Fidelity ZERO℠ Funds (0.00% ER total stock and total international mutual funds)

Hopefully Vanguard will, at the very least, respond to this by merging the investor and admiral share classes of some of their "core" funds (Total Stock, Total International Stock, Total Bond, Total International Bond). This would benefit me because it would lower the cost of my Target Retirement fu...
by Silence Dogood
Thu May 31, 2018 9:23 pm
Forum: Personal Finance (Not Investing)
Topic: Are very old Vanguard statements really available?
Replies: 12
Views: 3027

Re: Are very old Vanguard statements really available?

I e-mailed Vanguard last week requesting copies of Form 5xxx, (IRA contrtibutions), and the year-by-year history arrived in the mail today, back from the early 90's. Did Vanguard charge you a fee for this? (I know certain financial institutions charge "research" fees to look up old documents and ot...
by Silence Dogood
Tue Feb 13, 2018 6:42 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 17681

Re: I-Bonds?

Does it make sense to delay filing my tax return in order to find out what the fixed rate will be in May (for paper I bonds)? Yeah, I like to overthink this too, but there's about a 33% chance it will be 0.0%, 33% chance it will stay at 0.1%, and 33% chance it will be 0.2%. Either way, a rounding e...
by Silence Dogood
Tue Feb 13, 2018 6:17 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 17681

Re: I-Bonds?

Does it make sense to delay filing my tax return in order to find out what the fixed rate will be in May (for paper I bonds)? IMO it does not. It can go up or down and even if it goes up it won't be by very much--maybe the treasury will humor us by going from 0.1 to 0.2%. :) Thanks for the feedback...
by Silence Dogood
Tue Feb 13, 2018 1:41 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 17681

Re: I-Bonds?

Does it make sense to delay filing my tax return in order to find out what the fixed rate will be in May (for paper I bonds)? IMO it does not. It can go up or down and even if it goes up it won't be by very much--maybe the treasury will humor us by going from 0.1 to 0.2%. :) Thanks for the feedback...
by Silence Dogood
Tue Feb 13, 2018 1:19 pm
Forum: Investing - Theory, News & General
Topic: I-Bonds?
Replies: 80
Views: 17681

Re: I-Bonds?

Does it make sense to delay filing my tax return in order to find out what the fixed rate will be in May (for paper I bonds)?
by Silence Dogood
Thu Jan 25, 2018 9:35 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 84
Views: 6415

Re: Happy Birthday, Taylor!

Stay the course, Taylor!

Thank you for all you have done.
by Silence Dogood
Mon Jan 15, 2018 10:09 am
Forum: Personal Consumer Issues
Topic: Vanguard Yubikey-only option?
Replies: 46
Views: 8532

Re: Vanguard Yubikey-only option?

SMS messages aren't usually compromised by hacking into the phone network, but by someone socially engineering your carrier to steal your phone number. On that note, my cell phone provider requires a PIN (chosen by the customer) to port the phone number to a different phone. This (realistically) al...
by Silence Dogood
Sun Oct 01, 2017 12:02 pm
Forum: Personal Consumer Issues
Topic: Amazon Fresh & the value of your time
Replies: 25
Views: 3573

Re: Amazon Fresh & the value of your time

I really don't mind stopping by the grocery store. There are a lot of choices near where I live (Whole Foods, Wegmans, Market Basket, Stop and Shop, Trader Joe's, Hannaford, Star Market, Roche Bros., and two locally owned grocery stores all within a 20 minute drive). The place where I usually buy my...
by Silence Dogood
Thu Sep 21, 2017 9:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 120
Views: 35292

Re: Vanguard's new security key option

I am making progress here-got the security code set up and I get a voice message,so that works. The yubikey FIDO U2F is on order and I will install it. So then, by setting sec code to not every time, I can only use key? (which is what I want). Apparently the "this device only" works by storing a co...
by Silence Dogood
Thu Sep 21, 2017 8:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 120
Views: 35292

Re: Vanguard's new security key option

I just log in with my user name and PW at the moment. Had the security picture before they stopped it. I have no other options selected. My doctor uses a security key when logging on to his system and it got me thinking. I need some advice on my next security step. I have regular phone service at h...
by Silence Dogood
Sat Sep 16, 2017 1:03 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new security key option
Replies: 120
Views: 35292

Re: Vanguard's new security key option

I just log in with my user name and PW at the moment. Had the security picture before they stopped it. I have no other options selected. My doctor uses a security key when logging on to his system and it got me thinking. I need some advice on my next security step. I have regular phone service at h...