Search found 393 matches

by jjunk
Wed Sep 04, 2013 6:24 pm
Forum: Personal Consumer Issues
Topic: What Book Are You Currently Reading? Part V
Replies: 3372
Views: 1517885

Re: What Book Are You Currently Reading? Part V

chaz wrote:For a change of genre, "Sh#t My Dad Says" by Justin Halpern. Humor instead of crime, though some comedians are criminal.
I just finished "I suck at girls" by Halpern. One of the funniest books I've read in a long time.
by jjunk
Thu Aug 22, 2013 10:14 am
Forum: Personal Investments
Topic: What to do with Vanguard Wellesley in this environment?
Replies: 35
Views: 5407

Re: What to do with Vanguard Wellesley in this environment?

And here I thought the recent decline in Wellesley was just a good reason to buy more :happy
by jjunk
Thu Aug 15, 2013 12:32 pm
Forum: Personal Investments
Topic: Where to invest after maxing out retirement?
Replies: 4
Views: 1213

Re: Where to invest after maxing out retirement?

I'm in a similar boat as you but just a tad younger. We're also single income and I max out my 401k as well as my in plan Roth conversion after-tax 401k (20k/yr for my company). We have a year in expenses in savings and the rest we hold in a taxable account with Vanguard. I personally split my accou...
by jjunk
Thu Jun 27, 2013 1:38 am
Forum: Investing - Theory, News & General
Topic: The Case for Index Fund Portfolios
Replies: 39
Views: 7375

Re: The Case for Index Fund Portfolios

I'm curious where Wellington/Wellesley fall into something like this? I know when I do back testing using Simba's old spreadsheet, rarely is a combination of the two beaten by a combination of index funds. I hold them both in my taxable account and I've considered moving to a straight index model in...
by jjunk
Tue Jun 11, 2013 12:00 pm
Forum: Personal Investments
Topic: Wellington Fund or Total Stock Market Index Fund?
Replies: 19
Views: 7437

Re: Wellington Fund or Total Stock Market Index Fund?

I would agree with the previous posters that comparing Wellington to TSM isn't a good idea. A good comparison would be Wellington to the Balanced Fund since they're fairly close in overall allocation. The core difference is that one is actively managed and holds less diversification and one is compr...
by jjunk
Thu May 16, 2013 2:12 pm
Forum: Investing - Theory, News & General
Topic: disregarding ''daily noise"
Replies: 34
Views: 2824

Re: disregarding ''daily noise"

For me, it was about experience. I started investing right before the 2000 collapse when I didn't really have the money to lose (which meant I shouldn't have invested). Of course, I lost a good portion of that money. I didn't invest again for almost a decade, just in time to hit the next down turn. ...
by jjunk
Thu May 16, 2013 11:17 am
Forum: Personal Consumer Issues
Topic: Your biggest work victory?
Replies: 53
Views: 7139

Re: Your biggest work victory?

Interesting thread. I have a cool job, I do advocacy for a large software company. Basically, I take the feedback (good/bad) that I see globally from forums, social media, customer cases, etc. and then use that to affect changes to our platform to increase customer satisfaction with the use of our s...
by jjunk
Tue May 07, 2013 10:26 pm
Forum: Personal Consumer Issues
Topic: Use "promo codes" to save money
Replies: 24
Views: 9149

Re: Use "promo codes" to save money

You can also use Bing Rewards for things like free Redbox rentals and Starbuck and Amazon.com gift cards. I haven't paid for a movie rental in over a year just by searching on Bing.

http://www.bing.com/explore/rewards
by jjunk
Sat May 04, 2013 11:31 pm
Forum: Personal Finance (Not Investing)
Topic: FIRECalc Question
Replies: 15
Views: 3092

Re: FIRECalc Question

by jjunk
Mon Apr 08, 2013 11:16 am
Forum: Personal Investments
Topic: Vanguard's so so customer service
Replies: 71
Views: 11851

Re: Vanguard's so so customer service

I would tend to agree with you that Vanguard's customer service isn't on par with Fidelity specifically. Fidelity has always been very good. My personal feeling is that because I do almost all of my transacting with Vanguard online, I only need them once in a while. When I used their free CPA servic...
by jjunk
Mon Apr 01, 2013 1:57 pm
Forum: Personal Investments
Topic: What to do with my STAR fund? Newbie queston...
Replies: 14
Views: 2609

Re: What to do with my STAR fund? Newbie queston...

I'm always interested in conversations like these as I am 50/50 Wellington/Wellesley in a taxable account. I'm still trying to understand the arguments for efficient fund placement vs. overall performance. When I look at something like the Tax-Managed vs. STAR over the last 10yrs, STAR outperforms e...
by jjunk
Sat Mar 16, 2013 1:09 am
Forum: Personal Consumer Issues
Topic: Internet Explorer 10?
Replies: 23
Views: 2804

Re: Internet Explorer 10?

That error happens when your mail client isnt the default for all mail operations. Not sure if you were correlating that to IE10 or update installs, but check just reset whatever you use for mail as the default for all mail operations and you should be back to normal.
by jjunk
Sun Mar 10, 2013 8:00 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs. Wellington/Wellesley benefits?
Replies: 24
Views: 3670

Re: Indexing vs. Wellington/Wellesley benefits?

Thanks, I'll check the other thread out.
by jjunk
Sat Mar 09, 2013 4:03 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs. Wellington/Wellesley benefits?
Replies: 24
Views: 3670

Re: Indexing vs. Wellington/Wellesley benefits?

Thanks for the feedback here. I appreciate both sides of the argument. I hold these in my taxable account. I got a late start on my 401k (which is in a target retirement fund) and after maxing out my deferred space, I started a taxable account. I chose to use Wellington/Wellesley because I liked the...
by jjunk
Fri Mar 08, 2013 10:50 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs. Wellington/Wellesley benefits?
Replies: 24
Views: 3670

Re: Indexing vs. Wellington/Wellesley benefits?

That's fair. But if the argument for indexing is that its better than managed funds (which I generally agree with in principal btw), is it that it just doesnt bear out against these funds because of their low costs and/or value tilt?
by jjunk
Fri Mar 08, 2013 10:20 pm
Forum: Investing - Theory, News & General
Topic: Indexing vs. Wellington/Wellesley benefits?
Replies: 24
Views: 3670

Indexing vs. Wellington/Wellesley benefits?

I recently was fortunate enough to recently to move into Voyager Select status in my Vanguard account which enabled access to their CFPs. One question that I had for them was, at 39, "am I doing it wrong?" because I'm weighted 50/50 in Wellington/Wellesley. My contention is that while past...
by jjunk
Tue Mar 05, 2013 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 11873

Re: Vanguard closes Wellington Fund to many new accounts

Appreciate the reply's. I was personally curious as I'm 50/50 Wellington/Wellesley in my taxable accounts and continue to buy into Wellington as needed to keep my allocations proper. I was curious what others were/are doing with their allocations.
by jjunk
Sat Mar 02, 2013 11:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard closes Wellington Fund to many new accounts
Replies: 35
Views: 11873

Re: Vanguard closes Wellington Fund to many new accounts

I'm curious how owners of Wellington feel about this move? Are you holding, selling or allocating new funds?
by jjunk
Tue Feb 19, 2013 10:19 am
Forum: Personal Investments
Topic: Portfolio for review, few questions for the group
Replies: 3
Views: 526

Re: Portfolio for review, few questions for the group

Thank you, that's a good point on moving my Wellesley shares to the Roth/Traditional IRA, I'll actually do that today.

I appreciate the suggestion.
by jjunk
Mon Feb 18, 2013 2:58 pm
Forum: Personal Investments
Topic: Portfolio for review, few questions for the group
Replies: 3
Views: 526

Portfolio for review, few questions for the group

My form is below, here's my situation. My wife and I plan to retire in the next 11-16 years and utilize a combination of investment dividends and part time work. I plan to take Social Security at 62 (if it exists) as does she. We've conservatively estimated our SS benefits to be ~$1500/mo (today's d...
by jjunk
Mon Jan 28, 2013 2:34 pm
Forum: Investing - Theory, News & General
Topic: Wellington and Wellesley Interest Rate Risk
Replies: 37
Views: 10166

Re: Wellington and Wellesley Interest Rate Risk

I'm 50/50 Wellington/Wellesley in my Roth, Traditional IRA and taxable accounts. I'm indexed in my 401k only because Fidelity charges me to buy either of these two funds. I've struggled for the last couple of years with how to best allocate my overall investments. I found this site around that time ...
by jjunk
Thu Jan 24, 2013 11:11 am
Forum: Investing - Theory, News & General
Topic: Anyone else holding Wellington/Wellesley in taxable?
Replies: 19
Views: 4137

Re: Anyone else holding Wellington/Wellesley in taxable?

Thanks everyone for sharing your opinions. I'm looking at paying ~5-7k/yr in additional taxes (based solely on what the fund gave out last year). When I compared it to a similar TSM+Muni portfolio, the returns were similar to what was mentioned here previously (about the same until the 10yr span). I...
by jjunk
Mon Jan 21, 2013 3:53 pm
Forum: Investing - Theory, News & General
Topic: Anyone else holding Wellington/Wellesley in taxable?
Replies: 19
Views: 4137

Anyone else holding Wellington/Wellesley in taxable?

I currently hold a good bit of Wellington/Wellesley Admiral shares in a 50/50 mix in my taxable account. I'm happy with the overall mix and I wont need the money for 10-15 years. I'm a bit concerned about the tax consequences (in 28% bracket) and wondering how many others hold this as their core hol...
by jjunk
Thu Jan 17, 2013 6:06 pm
Forum: Personal Consumer Issues
Topic: Good movies to stream on Netflix
Replies: 37
Views: 5573

Re: Good movies to stream on Netflix

nirvines88 wrote:No TV? Then you're missing out on THE LEAGUE

I remember there being more good looking movies than I had time to watch when I had Netflix. I was thinking about getting it again soon too.
I love the league, one of the funniest shows ever.
by jjunk
Thu Jan 17, 2013 5:11 pm
Forum: Personal Consumer Issues
Topic: Good movies to stream on Netflix
Replies: 37
Views: 5573

Re: Good movies to stream on Netflix

Having just done a little of this myself, here's what I enjoyed from the streaming selection. I mostly use it for TV shows and documentaries. Documentaries: Exit through the Gift Shop Restrepo Man on Wire Winnebago Man Dear Zachary Running the Sahara For the Bible Tells me so Funny: A Good Old Fashi...
by jjunk
Sun Jan 13, 2013 1:03 am
Forum: Personal Consumer Issues
Topic: Cleveland Clinic
Replies: 31
Views: 4502

Re: I'm too planing to go Cleveland for my GI diagnsis

"looking" i'm not sure if they have good doctors Cleveland Clinic is one of the best hospitals in the US, possibly the world. While not scientific, here's a recent rating by specialty: http://health.usnews.com/best-hospitals/area/oh/cleveland-clinic-foundation-6410670 I went to the CC Rai...
by jjunk
Mon Jan 07, 2013 8:11 pm
Forum: Personal Consumer Issues
Topic: Best Movies of 2012
Replies: 58
Views: 6483

Re: Best Movies of 2012

tarnation wrote:Safety not Guaranteed
Excellent movie!
by jjunk
Wed Dec 19, 2012 12:31 pm
Forum: Personal Investments
Topic: What to do about municipals?
Replies: 14
Views: 1424

Re: What to do about municipals?

Thanks for the advice and input so far. I appreciate those with holdings in these funds sharing their personal outlooks on them. @Noob: I don't really worry about the 1% drop in value, apologies if it came off that way. I worry that the nature of municipals might change (ie. that it will become more...
by jjunk
Wed Dec 19, 2012 11:39 am
Forum: Personal Investments
Topic: What to do about municipals?
Replies: 14
Views: 1424

What to do about municipals?

Seeing as the other discussion on municipals has turned into a different thread at this point, I am looking for some advice. I currently hold a substantial amount of my funds in the Limited Term and Intermediate Tax Exempt Admiral shares at Vanguard. After the last few days, each has a modest (~1%) ...
by jjunk
Mon Dec 17, 2012 10:39 pm
Forum: Personal Investments
Topic: Intermediate tax exempt falling?
Replies: 40
Views: 3802

Re: Intermediate tax exempt falling?

Buddtholomew wrote:How realistic is it that tax-exempt muni bonds will lose their favorable tax treatment?
As an investor with a decent amount of money in these funds, hopefully its not likely.
by jjunk
Thu Dec 13, 2012 6:41 pm
Forum: Personal Investments
Topic: Help with Tax Free Bond Fund
Replies: 5
Views: 884

Re: Help with Tax Free Bond Fund

For the two specific asset classes, no, there's nothing wrong with that. I think the point overall is that you'd need to figure out your asset allocation first and then fill your "buckets" based on tax advantages from there (see: http://www.bogleheads.org/wiki/Principles_of_Tax-Efficient_F...
by jjunk
Wed Dec 12, 2012 3:25 pm
Forum: Personal Consumer Issues
Topic: Movie recommendation - here's mine
Replies: 52
Views: 5455

Re: Movie recommendation - here's mine

Personal favorites:
The Motorcycle Diaries
City of God
The Field

and a +1 to Waking Ned Devine, great movie!
by jjunk
Wed Dec 12, 2012 3:17 pm
Forum: Personal Investments
Topic: Help with Tax Free Bond Fund
Replies: 5
Views: 884

Re: Help with Tax Free Bond Fund

I'd personally recommend you do a little more reading on asset allocation before you invest this money so you understand what you're investing in and why you're investing in it. That said, VTI/Vanguard Total Stock (or Fidelity Total Stock) and their corresponding International (VXUS for Vanguard ETF...
by jjunk
Tue Dec 11, 2012 8:29 pm
Forum: Personal Consumer Issues
Topic: Book Suggestion: Positive Thinking.
Replies: 23
Views: 3018

Re: Book Suggestion: Positive Thinking.

Shawn Achor has a very interesting book which is some related. Here's his TED Talk, very entertaining: http://www.ted.com/talks/shawn_achor_th ... _work.html
by jjunk
Wed Dec 05, 2012 6:25 pm
Forum: Personal Investments
Topic: Total Stock vs Total Bond Tax
Replies: 6
Views: 709

Re: Total Stock vs Total Bond Tax

Total Bond is worse to hold in taxable because your interest is taxed at normal rates. Currently that isn't the case for Total Stock Market. So its preferable to use Total Stock in a taxable account and use bonds in tax advantaged accounts (or buy municipal bonds in taxable) http://www.bogleheads.or...
by jjunk
Mon Dec 03, 2012 5:05 pm
Forum: Personal Investments
Topic: Tax-exempt fund duration for the all taxable portfolio
Replies: 11
Views: 904

Re: Tax-exempt fund duration for the all taxable portfolio

I am roughly 35% Limited Term, 65% Intermediate Term in my taxable portfolio but I think 50/50 would be fine.
by jjunk
Wed Nov 28, 2012 2:22 pm
Forum: Personal Investments
Topic: What to do when you have too much in muni's?
Replies: 6
Views: 771

Re: What to do when you have too much in muni's?

Thanks for the input (and information) everyone. Much appreciated!
by jjunk
Wed Nov 28, 2012 1:20 pm
Forum: Personal Investments
Topic: What to do when you have too much in muni's?
Replies: 6
Views: 771

What to do when you have too much in muni's?

I'm a very conservative investor and have (to me) a large amount of my assets in the Intermediate and Limited Term Tax Exempt funds at Vanguard, mostly because it makes more than cash and I dont want to have any more in the stock markets than I already do. I realize that while these funds are divers...
by jjunk
Mon Nov 05, 2012 9:08 pm
Forum: Personal Investments
Topic: Advantages to more than one tax-exempt holding?
Replies: 3
Views: 449

Re: Advantages to more than one tax-exempt holding?

Thanks to both of you, I appreciate the input.
by jjunk
Mon Nov 05, 2012 10:20 am
Forum: Personal Investments
Topic: Advantages to more than one tax-exempt holding?
Replies: 3
Views: 449

Advantages to more than one tax-exempt holding?

I'm a very conservative investor, soon to be 40, and I have a question for the group. Is there any advantage to having more than one tax-exempt bond holding when considering a 15-20yr time horizon? I currently have moved a decent (read low six figures) of my cash savings into Intermediate Term Tax E...
by jjunk
Mon Aug 27, 2012 12:59 pm
Forum: Personal Finance (Not Investing)
Topic: When did you "own" your home?
Replies: 47
Views: 3384

Re: When did you "own" your home?

For me, it was when I turned 37. Eight months later, I sold it and now rent :happy
by jjunk
Sat Aug 25, 2012 8:57 am
Forum: Personal Investments
Topic: Reinvestment of dividends for tax-exempt bonds in taxable?
Replies: 11
Views: 2057

Re: Reinvestment of dividends for tax-exempt bonds in taxabl

Thanks for the varying opinions/responses. I think I am going to reinvest the dividends in each as I will most likely add to the positions in this account over time. While I know the Boglehead position is to keep a full view of taxable and tax advantaged accounts, I separate mine in terms of how the...
by jjunk
Fri Aug 24, 2012 10:02 pm
Forum: Personal Investments
Topic: Reinvestment of dividends for tax-exempt bonds in taxable?
Replies: 11
Views: 2057

Reinvestment of dividends for tax-exempt bonds in taxable?

I've read threads about reinvesting dividends from funds such as Total Stock Market and I understand the plusses and minuses with that fund. What I am curious about is how many folks here handle money held in their taxable accounts that is in tax-exempt funds? For example, this month I put a decent ...