Search found 2110 matches

by indexfundfan
Mon Apr 09, 2007 10:52 am
Forum: Investing - Help with Personal Investments
Topic: Best way to automatically pay credit card bills?
Replies: 34
Views: 13657

I pay almost all of my bills (mortgage, utilities, other credit cards, etc) using Billpay from the Fidelity 529 credit card. That way, I earn interest for about an extra month of float. The Fideility 529 credit card itself is paid by pulling the money out from a bank account. So is your mortgage ch...
by indexfundfan
Mon Apr 09, 2007 10:14 am
Forum: Investing - Help with Personal Investments
Topic: Best way to automatically pay credit card bills?
Replies: 34
Views: 13657

I pay almost all of my bills (mortgage, utilities, other credit cards, etc) using Billpay from the Fidelity 529 credit card. That way, I earn interest for about an extra month of float. The Fideility 529 credit card itself is paid by pulling the money out from a bank account.
by indexfundfan
Sun Apr 08, 2007 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Money Market Fund is Best? Please HELP!
Replies: 10
Views: 4571

IndexFundFan, Thank you for your comprehensive and thoughtful response. According to your post, I would fall under the 35% AMT tax bracket. I am still trying to learn and hope that you can answer a couple more questions: 1) How are gains taxed under the Admiral Treasury Money Market Fund versus the...
by indexfundfan
Sun Apr 08, 2007 2:11 am
Forum: Investing - Help with Personal Investments
Topic: Which Vanguard Money Market Fund is Best? Please HELP!
Replies: 10
Views: 4571

Since you pay AMT, what matters is your AMT bracket. Based on the information you posted, your AMT bracket is either 35% or 28% (read this post ). I already have a spreadsheet that does the calculations (related post ). I plugged in the numbers for the following three different investments: A. Taxab...
by indexfundfan
Sat Apr 07, 2007 11:43 pm
Forum: Personal Finance (Not Investing)
Topic: WAY off topic (but then, not really!): Linux
Replies: 55
Views: 28038

By the way, I have tried a few times but the install of Ubuntu would hang mid-way when I try to install it on my old notebook.

I am going to try Mephis next and see if this works.
by indexfundfan
Sat Apr 07, 2007 9:44 am
Forum: Personal Finance (Not Investing)
Topic: WAY off topic (but then, not really!): Linux
Replies: 55
Views: 28038

Fred, BobE and others, thanks for your comments.

For now, I just intend to try and see how much Linux has changed.

As this is a spare/old notebook, I might make it into a permanent server (always connected) on the net that I can telnet in from outside. Not sure which distro is the best though.
by indexfundfan
Fri Apr 06, 2007 11:24 am
Forum: Personal Finance (Not Investing)
Topic: WAY off topic (but then, not really!): Linux
Replies: 55
Views: 28038

I have used Linux during the days when the kernel was still 0.99pxx and there were weekly updates and recompilations for the kernel. However, I stopped using Linux when I left the university and have not followed the developments closely. I have an old notebook (PIII with 256MB RAM only) that can ba...
by indexfundfan
Fri Apr 06, 2007 8:52 am
Forum: Investing - Help with Personal Investments
Topic: No fee Roth IRA w/ no (or tiny) minimum?
Replies: 20
Views: 6840

Visit Zecco.com now. You see the following huge ads:

$0 Stock Trades
$0 Minimum IRAs
$3.50 per trade + $0.60 Complex options...

No mention of $30 annual fee for IRAs. Only a few clicks later will you find out the fee.

Otherwise why would Hedgy be misled to think that there are no fees?
by indexfundfan
Thu Apr 05, 2007 9:07 pm
Forum: Investing - Theory, News & General
Topic: whats a good lower fee online broker than Etrade?
Replies: 48
Views: 19026

I dont understand the whole 25 dollars a month thing. 300 dollars a year just to have a brokerage account? Who would ever use this if they did not have 25000? Of course you wouldn't do this without well over $25K hanging around. And you wouldn't invest in Vanguard if you only had $500 either. But a...
by indexfundfan
Thu Apr 05, 2007 6:25 pm
Forum: Investing - Help with Personal Investments
Topic: No fee Roth IRA w/ no (or tiny) minimum?
Replies: 20
Views: 6840

Hedgy wrote:It seems like zecco.com offers no minimum, no fee Roth IRAs.
Anyone ever invest with them?
Thanks! :P
Zecco hides the $30 annual fee for IRAs in the fine print.
by indexfundfan
Thu Apr 05, 2007 11:04 am
Forum: Investing - Help with Personal Investments
Topic: VBS cost basis accounting
Replies: 5
Views: 2547

I setup an account with Wells Fargo for their free trade deal. To my pleasant surprise [link] , they also offer an “automatic” HIFO method of designation for tax lot tracking for both stocks and mutual funds instead of the usual FIFO for stocks and averaging method for mutual funds. I signed up for ...
by indexfundfan
Thu Apr 05, 2007 9:37 am
Forum: Investing - Theory, News & General
Topic: whats a good lower fee online broker than Etrade?
Replies: 48
Views: 19026

livesoft, can you elaborate or post a link to this news? Thanks. Folks who this affects (previous TDWaterhouse customers) have already gotten a letter from TDAM. Thanks. For a moment I thought it is an offer that every Ameritrade customers can take advantage off. It appears this is only for a selec...
by indexfundfan
Wed Apr 04, 2007 11:30 pm
Forum: Investing - Theory, News & General
Topic: whats a good lower fee online broker than Etrade?
Replies: 48
Views: 19026

livesoft wrote:Also, lower status folks can transfer out for free in the next month since TDAM is changing their backoffice firm. Normally it is $50 per transfer.
livesoft, can you elaborate or post a link to this news? Thanks.
by indexfundfan
Wed Apr 04, 2007 3:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market vs. INGDirect
Replies: 19
Views: 7477

Rate chasing is sometimes profitable if you have free time. However, in this current high Fed rate environment, VG MMFs are winning online savings accounts. But this is not always so. Back in 2002 / 2003, when Fed rates were around 1%, VG's Prime MMF yields only around 1% whereas online savings acco...
by indexfundfan
Wed Apr 04, 2007 3:34 pm
Forum: Investing - Theory, News & General
Topic: whats a good lower fee online broker than Etrade?
Replies: 48
Views: 19026

Ok, just to clarify. A wells fargo PMA account with 25K in "relationship balances" can be satisfied by a checking account of 100 dollars, a savings account of 100 dollars, and 24801 dollars in two different IRAs, without incurring ANY fees for the first 100 trades each year? ie that savings or chec...
by indexfundfan
Tue Apr 03, 2007 11:06 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard CA Tax-Exempt vs Treasury Money Market?
Replies: 18
Views: 7424

wwhan wrote: CA Tax-Exempt compound yield = 3.55%
After AMT = 3.55% * (100% - 17.8%) = 2.918%
For the portion (17.8%) subject to AMT, you pay at the AMT marginal rate (26%, 32.5%, 35% or 28%), not 100% of it.
by indexfundfan
Tue Apr 03, 2007 10:18 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard CA Tax-Exempt vs Treasury Money Market?
Replies: 18
Views: 7424

tfb, Why are you using the full marginal tax rate for the AMT tax rate? Shouldn't the 35% term generally be 28% or lower (the usual top AMT rate), giving the CA fund a bigger advantage? After AMT = 3.55% - 3.55% * 17.8% * 28% = 3.373% When it comes to AMT, you need to take into account the phase-ou...
by indexfundfan
Mon Apr 02, 2007 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18935

ABA # : 031000503 (Wachovia Bank) Acct # : VAN90001234567890 Hmmm... I have a few Nigerians email friends who'd be interested in joining this board now :-) Let your friends know that those numbers are incorrect. The correct numbers should be ABA # : 031000503 (Wachovia Bank) Acct # : VAN27182818284...
by indexfundfan
Mon Apr 02, 2007 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18935

goosecat wrote:I pretty sure you can have bills directly deducted from your VG MM as well.
I would be very interested if this can be done (without signing up for the Vanguard Advantage account).
by indexfundfan
Mon Apr 02, 2007 3:22 pm
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18935

I wonder if the same account and ABA number can be used to pull money out. ;-) Hmm...can funds in a VG MM account be "pulled" out through ACH transfer, by another account? Funds from my checking account currently get pulled out to pay bills, make investments, etc, and I'm wondering if I can get the...
by indexfundfan
Mon Apr 02, 2007 12:12 pm
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18935

Thanks for sharing. I am happy to hear that there is no problem at all; at first I was concerned because the account number for direct deposit has alphabet-characters in them (in addition to numbers). E.g. ABA # : 031000503 (Wachovia Bank) Acct # : VAN90001234567890 I wasn't sure if HR will accept t...
by indexfundfan
Mon Apr 02, 2007 11:04 am
Forum: Investing - Help with Personal Investments
Topic: Direct deposit of paycheck in VG MMF
Replies: 26
Views: 18935

Direct deposit of paycheck in VG MMF

Does anyone use Vanguard's direct deposit service for their paychecks? I am looking into direct depositing my paycheck into Vanguard's money market fund (instead of a bank account) and would like to hear of any experiences. Thanks for sharing. Note: I am NOT referring to the Vanguard Advantage accou...
by indexfundfan
Mon Apr 02, 2007 12:11 am
Forum: Personal Finance (Not Investing)
Topic: Google Free Wifi Service - TiSP (Beta)
Replies: 4
Views: 2554

New Bogleheads forum Bogleheads
by indexfundfan
Fri Mar 30, 2007 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: Any PC tech people here?
Replies: 3
Views: 2285

Try this link

http://support.microsoft.com/kb/238886/

It talks about disabling VGA on the second card. I stand corrected; it appears that you *can* have two PCI video cards.
by indexfundfan
Fri Mar 30, 2007 5:22 pm
Forum: Personal Finance (Not Investing)
Topic: Any PC tech people here?
Replies: 3
Views: 2285

I could be wrong but I don't think you can have two PCI video cards. One PCI and one AGP will work fine.
by indexfundfan
Thu Mar 29, 2007 10:15 am
Forum: Investing - Help with Personal Investments
Topic: CA Scholarshare or Vanguard Nevada 529?
Replies: 8
Views: 5248

I am in California and I use the Ohio plan. If you want to have any meaningful allocation to international equities, the Ohio plan probably has the lowest expenses. See my comparison given below: http://www.indextown.com/archives/2006/09/19/my-529-college-saving-plans/ Note that the Fidelity plans h...
by indexfundfan
Fri Mar 23, 2007 12:50 am
Forum: Investing - Theory, News & General
Topic: MS Money: how to transfer some securities between accounts?
Replies: 3
Views: 1942

My 2004 version of Money has a "Transfer Out" option. It does exactly what you are looking for. The cost basis of the shares follows with the transfer too.
by indexfundfan
Thu Mar 15, 2007 1:16 pm
Forum: Investing - Help with Personal Investments
Topic: Download Vanguard tax info to my computer?
Replies: 9
Views: 3142

You need to install a program that allows you to print to PDF. There are some free ones available (using the Ghostscript engine).
by indexfundfan
Tue Mar 13, 2007 1:29 am
Forum: Investing - Theory, News & General
Topic: STORY: The Trade-Offs For Free E-Trades
Replies: 19
Views: 6505

livesoft wrote:http://finance.yahoo.com/q?s=WFLXX

Use finance.yahoo for MMF yields.
Thanks. I see I had picked the right one:

WFLXX 4.61%
PIVXX 4.63%

2 basis points more ;-)
by indexfundfan
Tue Mar 13, 2007 1:26 am
Forum: Forum Issues and Administration
Topic: THANK YOU Larry Auton, Alex Frakt, Phoenix...
Replies: 21
Views: 10919

Awesome!

And I see that about twice as many conversations are updated on the new forum compared to the old forum. :-)
by indexfundfan
Tue Mar 13, 2007 1:21 am
Forum: Investing - Theory, News & General
Topic: STORY: The Trade-Offs For Free E-Trades
Replies: 19
Views: 6505

For the IRA account, two MMFs are offered 1. Wells Fargo Advantage Treasury Plus Money Market Fund PIVXX 7-Day Effective Yield 4.74% 2. Wells Fargo Advantage Liquidity Reserve Money Market Fund WFLXX I couldn't find the yield information for WFLXX. Livesoft, can you please direct me to the page? Tha...
by indexfundfan
Tue Mar 13, 2007 12:57 am
Forum: Personal Finance (Not Investing)
Topic: Opinions on antivirus software?
Replies: 74
Views: 38818

Free software is great! ;-)

By the way, are there no users of Spyware Terminator?
by indexfundfan
Tue Mar 13, 2007 12:54 am
Forum: Investing - Theory, News & General
Topic: STORY: The Trade-Offs For Free E-Trades
Replies: 19
Views: 6505

Furthermore, these free trading accounts are somewhat like credit cards. Those folks who pay off a credit card balance every month or who have a 0% interest rate and/or get cash-back/FFmiles are using credit cards in an efficient manner. Folks can use the WF, Zecco or BofA brokerage accounts in an ...
by indexfundfan
Mon Mar 12, 2007 1:32 am
Forum: Investing - Theory, News & General
Topic: Precious Metals Poll
Replies: 51
Views: 20004

I have VGPMX too, with an allocation of 5%. I added PM equity in 2002.
by indexfundfan
Sun Mar 11, 2007 6:30 pm
Forum: Investing - Theory, News & General
Topic: Do you own any individual stocks?
Replies: 87
Views: 35515

Yes, but only because they're related to employment. I do try to liquidate them regularly though.
by indexfundfan
Sun Mar 11, 2007 6:23 pm
Forum: Personal Finance (Not Investing)
Topic: This forum's fame is spreading
Replies: 6
Views: 3613

Thanks for the mention, ...

and Barry,

I think the reference library is great! Thanks to gbs and your hard work, and that of many other diehards.

Boglehead’s investing reference library
by indexfundfan
Sun Mar 11, 2007 5:52 pm
Forum: Forum Issues and Administration
Topic: This forum not obvious to new visitors to diehards.org
Replies: 6
Views: 3324

Re: Interlacing topics

tfb wrote: Visit Vanguard Diehards Forum on Morningstar

Register with Morningstar. New members pay $5 fee.

Visit Bogleheads forum on Diehards.org

Register with Diehards.org. Free to post for everyone.
I like this one ;-).
by indexfundfan
Sat Mar 10, 2007 10:34 pm
Forum: Personal Finance (Not Investing)
Topic: Opinions on antivirus software?
Replies: 74
Views: 38818

Like many, I used AVG Free edition for antivirus and Comodo for firewall. However, I used Spyware Terminator for anti-spyware. I picked it while browsing Snapfiles and it seems to work fine. Supposed to also offer real time protection. Anyone else using it? And how does it compare to Adaware and Spy...
by indexfundfan
Sat Mar 10, 2007 12:03 pm
Forum: Investing - Theory, News & General
Topic: Using ZECCO.com to build ETF Portfolio
Replies: 57
Views: 26788

Re: ETF's not free

...even for the very new Vanguard International ETF launched on Thursday, the spread is about 0.16% , and nowhere near 0.5%. Nick's quoted 0.5% spread may be a bit high for a heavily traded ETF, but I think his point is that even with free commissions, ETF's still cost something to buy. Bob Actuall...
by indexfundfan
Sat Mar 10, 2007 11:49 am
Forum: Investing - Theory, News & General
Topic: Using ZECCO.com to build ETF Portfolio
Replies: 57
Views: 26788

Why bother with zecco when WellsFargo comes out shining on the above questions and also gives free trades and a free checking account to boot? WellsFargo seems the better way to go but their 25k min and tieing to checking I don't understand. I'm not interested in checking and what is the 25k min? D...
by indexfundfan
Sat Mar 10, 2007 11:45 am
Forum: Investing - Theory, News & General
Topic: Using ZECCO.com to build ETF Portfolio
Replies: 57
Views: 26788

It's the bid/ask spread that kills you, not the commission. If I trade $50K of an ETF with a .5% bid/ask at ETrade, my commission was $5, the spread loss $250. Nick Hi Nick, May I know which ETF are you referring to that has an average spread of 0.5%? But, in any case, a 0.5% bid/ask means that the...
by indexfundfan
Sat Mar 10, 2007 1:10 am
Forum: Investing - Theory, News & General
Topic: What's your U.S. : International ratio?
Replies: 199
Views: 36580

50:50 for me.
by indexfundfan
Fri Mar 09, 2007 11:49 pm
Forum: Investing - Theory, News & General
Topic: Using ZECCO.com to build ETF Portfolio
Replies: 57
Views: 26788

Personally, I picked Wells Fargo. My money will be distributed among Fidelity (currently just for AMT-free MMF, might be abandoned in future), Wells Fargo (for ETFs) and Vanguard (everything else). I shared some of my experiences using Wells Fargo in my BLOG in case anyone is interested to read.
by indexfundfan
Thu Mar 01, 2007 11:58 pm
Forum: Investing - Theory, News & General
Topic: ETF trading volume vs. liquidity of the underlying stocks
Replies: 10
Views: 6607

How low a volume would you consider as thinly traded? Let's say my regular dollar amount to be invested in an ETF is equivalent to 50-100 shares everytime. And the avrage daily volume is 5000 shares (thinly traded?), which is more than enough to fill my order. Does this low trading volume post any ...
by indexfundfan
Thu Mar 01, 2007 8:56 pm
Forum: Investing - Theory, News & General
Topic: Vanguard FTSE All-World ex USA Index Fund
Replies: 45
Views: 26770

It appears that it will be a catch-22 situation. A purchase is likely to discourage rather than encourage people from buying the fund -- making the asset size grow slower than if there were no purchase fee.
by indexfundfan
Thu Mar 01, 2007 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: The Best and Worst 529 College Savings Plans
Replies: 34
Views: 17520

I use the Ohio plan. HERE's why.
by indexfundfan
Wed Feb 28, 2007 1:18 am
Forum: Investing - Theory, News & General
Topic: How many dollars did you lose today?
Replies: 31
Views: 14877

2.45 - (-0.33) = 2.78%
by indexfundfan
Wed Feb 28, 2007 1:11 am
Forum: Investing - Theory, News & General
Topic: VWO is trading at discount
Replies: 8
Views: 4423

Vanguard Emerging Markets ETF (VWO) Index ETF

Fund Quick Facts As of 2/27/2007
Closing NAV: $75.24 Current Distribution Rate: 1.81%
Closing Share Price: $74.09 Premium/(Discount): -1.53%

So it went from 0.55% premium to 1.53% discount in one day, a change of more than 2%.
by indexfundfan
Tue Feb 27, 2007 5:50 pm
Forum: Investing - Theory, News & General
Topic: VWO is trading at discount
Replies: 8
Views: 4423

From ETFconnect.com

Vanguard Emerging Markets ETF (VWO) Index ETF

Fund Quick Facts As of 2/26/2007
Closing NAV: $79.48 Current Distribution Rate: 1.68%
Closing Share Price: $79.92 Premium/(Discount): 0.55%

Will update the numbers for 2/27 when it is available.
by indexfundfan
Tue Feb 27, 2007 2:54 pm
Forum: Investing - Theory, News & General
Topic: VWO is trading at discount
Replies: 8
Views: 4423

VWO is trading at discount

Looks like VWO is trading at a huge discount now (11.52pm PST): NAV (as given by ^HVO) = 76.6, market bid = 73.78, market ask = 73.8. It seems possible that premium/discount might be to the advantage of buy-and-hold investors waiting to re-balance. (Was it Al who mentioned this in a post on M* ?) VW...