Search found 4708 matches

by jhfenton
Tue Apr 06, 2021 11:22 am
Forum: Investing - Theory, News & General
Topic: Factorheads Opinions Please VFMF/VSS
Replies: 19
Views: 1540

Re: Factorheads Opinions Please VFMF/VSS

I could see holding that. At one point a few years ago, I did swap all of my developed international (VEA/VTMGX) for VSS just to simplify things. But I still held additional emerging markets (VWO/VEMAX) separately. And I don't think it's unreasonable to hold VFMF as your core (or only) US equity hol...
by jhfenton
Sun Mar 28, 2021 6:06 pm
Forum: Investing - Theory, News & General
Topic: Thoughts on Fidelity's new Zero funds
Replies: 50
Views: 7745

Re: Thoughts on Fidelity's new Zero funds

Take a close look under he hood of those funds. Fidelity’s zero fee funds don’t track the same index. It’s a proprietary index created by Fidelity. I am betting not exactly the same as the Willshire 5000 or S&P 500. Here's an interesting article saying to wait on Fidelity's zero fee funds until...
by jhfenton
Sat Mar 27, 2021 9:56 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25853

Re: [Third stimulus payment - mega-thread]

Ours finally says that our payment will also be mailed April 2. Just to repeat what I posted above: 2018 tax year - refund to Account A COVID payment 1 - ACH to Account A 2019 tax year - payment from Account A (filed after COVID payment 1) COVID payment 2 - check 2020 tax year - payment from Account...
by jhfenton
Tue Mar 23, 2021 9:22 am
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25853

Re: [Third stimulus payment - mega-thread]

For us, the IRS website still shows "Payment Status - Not Available." I did file our taxes on March 13, so it's possible the timing of that pushed us back in the line. Our income was a bit higher in 2020 than 2019, but not significantly so, and not to the level that would be relevant to th...
by jhfenton
Fri Mar 19, 2021 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25853

Re: status of $1400 check Get My Payment

We're in the same boat. We got the first payment very quickly via DD. For some reason they sent the second payment via check, but we got it. I filed our taxes recently and scheduled our three-figure payment for April 15. Ours also shows "Payment status not available." on the IRS tool. It ...
by jhfenton
Fri Mar 19, 2021 2:18 pm
Forum: Personal Finance (Not Investing)
Topic: [Third stimulus payment - mega-thread]
Replies: 362
Views: 25853

Re: status of $1400 check Get My Payment

We're in the same boat. We got the first payment very quickly via DD. For some reason they sent the second payment via check, but we got it. I filed our taxes recently and scheduled our three-figure payment for April 15. Ours also shows "Payment status not available." on the IRS tool. It s...
by jhfenton
Thu Mar 04, 2021 10:26 am
Forum: Investing - Theory, News & General
Topic: Corporate bond market: zombie apocalypse?
Replies: 17
Views: 1555

Re: Corporate bond market: zombie apocalypse?

But if I were to own one of them, I would put it in my alternatives bucket and not count it as a bond fund. Because high yield tends to crash with equities. You're probably going to be rebalancing into your high yield at the same time as you're rebalancing into equities. I don't currently own any. ...
by jhfenton
Thu Mar 04, 2021 9:42 am
Forum: Investing - Theory, News & General
Topic: Corporate bond market: zombie apocalypse?
Replies: 17
Views: 1555

Re: Corporate bond market: zombie apocalypse?

If I were going to buy a junk bond fund, it would be the iShares Fallen Angels USD Bond ETF (FALN). If there's an anomaly to be exploited in the high yield space, it's with the bonds newly downgraded from investment grade to junk. There's some evidence that they end up cheap relative to their increa...
by jhfenton
Thu Mar 04, 2021 9:24 am
Forum: Investing - Theory, News & General
Topic: Vanguard Website
Replies: 71
Views: 5667

Re: Vanguard Website

I see the Vanguard website has changed. It is very difficult to maneuver through the website now. If you click a link for a drop down box, you can not maneuver in the box as your pointer activates another dropdown box for a different link. Before I had no trouble at all. I use Safari browser. Are o...
by jhfenton
Wed Mar 03, 2021 11:47 am
Forum: Personal Consumer Issues
Topic: Non-fungible tokens (NFTs): anyone investing in those?
Replies: 231
Views: 16538

Re: Non-fungible tokens (NFTs): anyone investing in those?

Specifically, I don't understand the current market, where people are buying and reselling images, sports game videos, etc. Ownership of the item gives you.. nothing. You don't get the rights to resell the actual video to tv networks, you don't seem to really own anything besides something that som...
by jhfenton
Sun Feb 28, 2021 10:30 am
Forum: Personal Investments
Topic: Value Investing
Replies: 10
Views: 877

Re: Value Investing

As a lifelong value tilter, I'm not a huge fan of VTV. With its market cap weighting and broad definition of value, it offers rather dilute large cap value exposure. However much value exposure you want from VTV, you can get with a smaller position in VFVA/Vanguard US Value Factor, a deep value quan...
by jhfenton
Tue Feb 23, 2021 2:26 pm
Forum: Personal Investments
Topic: Vanguard Extended Market vs Mid and Small Cap index funds
Replies: 11
Views: 936

Re: Vanguard Extended Market vs Mid and Small Cap index funds

Does it bother people that it is described as growth rather than blended on Morningstar? I don’t want a growth tilt. It shouldn’t bother you what Morningstar calls it. It doesn’t bother me. The fund owns virtually every US stock not in the S&P 500: it’s literally impossible for it to actually h...
by jhfenton
Thu Feb 11, 2021 12:44 pm
Forum: Personal Consumer Issues
Topic: Is "Amazon Day" delivery less reliable?
Replies: 23
Views: 1825

Re: Is "Amazon Day" delivery less reliable?

I've had no issues with Amazon Day delivery, but I will say that close to 100% of our non-holiday deliveries come via Amazon Logistics. So opting for Amazon Day doesn't change who delivers things, it just allows them to consolidate. And Amazon Logistics tracking is pretty good. I get notices almost ...
by jhfenton
Thu Feb 11, 2021 12:41 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about rejected efile (TurboTax)
Replies: 21
Views: 2525

Re: Questions about rejected efile (TurboTax)

I thought, though, that the IRS wasn't accepting returns until tomorrow, February 12. Are they really accepting them now? I just received notification from TT that my return was accepted by the IRS this morning (submitted/filed on Monday). That doesn't mean it's being processed at the current time,...
by jhfenton
Thu Feb 11, 2021 12:25 pm
Forum: Personal Finance (Not Investing)
Topic: Questions about rejected efile (TurboTax)
Replies: 21
Views: 2525

Re: Questions about rejected efile (TurboTax)

I have not had any issues with that verification step before, and I have e-filed for years. But I know the PINs that I always use, and there is definitely one for each of us. I don't remember what I did the first time I e-filed. I thought, though, that the IRS wasn't accepting returns until tomorrow...
by jhfenton
Thu Feb 11, 2021 10:31 am
Forum: Personal Investments
Topic: Roth IRA through Fidelity
Replies: 5
Views: 616

Re: Roth IRA through Fidelity

Fidelity ZERO Total Market Index Fund (FZROX) and/or Fidelity ZERO International Index Fund (FZILX) would both be outstanding choices for simplicity. As you say, those funds aren't transferable, but that wouldn't bother me either in a retirement account. You can exchange them for something transferr...
by jhfenton
Thu Feb 11, 2021 8:11 am
Forum: Investing - Theory, News & General
Topic: WSJ | Fidelity Holds Secret Weapon to Take On Robinhood and Vanguard
Replies: 56
Views: 7868

Re: WSJ | Fidelity Holds Secret Weapon to Take On Robinhood and Vanguard

I have accounts at Fidelity, Vanguard and Schwab. My biggest complaint with Fidelity is that if I want to place a GTC order I have to have sufficient CASH in the account to cover it. While I might have $1.5M in Fidelity mutual funds in the account, if I want to place a $40K GTC order, they won't ac...
by jhfenton
Wed Feb 03, 2021 2:31 pm
Forum: Personal Investments
Topic: Backdoor Roth - A Literal Penny for Your Thoughts
Replies: 17
Views: 991

Re: Backdoor Roth - A Literal Penny for Your Thoughts

Leave it. Nothing to report during taxes since .49 or less rounds down to 0, and .50+ rounds up. When you back door next year, move the backdoor amount along with the remaining penny to the Roth IRA. +1 This is quite common. It's too small to be reportable. Just move it with next year's backdoor. (...
by jhfenton
Thu Jan 28, 2021 2:46 pm
Forum: Personal Investments
Topic: Indirect rollover to Fidelity HSA: possible to do online?
Replies: 4
Views: 383

Re: Indirect rollover to Fidelity HSA: possible to do online?

Hello bogleheads, Due to some great help and advice from this board last year, I opened up a HSA at Fidelity to did an indirect rollover. (I asked my work HSA to pay me and then within 60 days sent Fidelity a deposit slip and check to open the HSA, thereby saving the fee from a direct rollover.) So...
by jhfenton
Wed Jan 27, 2021 9:50 am
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5503

Re: Vanguard plans to add Ultra-Short Bond ETF to lineup

One possibility is the disclosure delays allowed by the SEC for Actively managed ETFs leave open opportunities for arbitrage between a mutual fund class and the ETF class of the fund that Vanguard wishes to avoid. It could also be that the SEC approval for their original patented dual share class w...
by jhfenton
Wed Jan 27, 2021 9:03 am
Forum: Investing - Theory, News & General
Topic: new Vanguard Ultra-Short Bond ETF
Replies: 50
Views: 5503

Re: Vanguard plans to add Ultra-Short Bond ETF to lineup

Does anyone know why they aren't adding this as an additional share class to the existing Ultra-Short Term Bond Fund mutual fund, like most of the older ETFs? The dual-class structure doesn't work because it's actively managed? Because Vanguard's patent expires in a few years? Or is there so much e...
by jhfenton
Wed Jan 27, 2021 8:51 am
Forum: Investing - Theory, News & General
Topic: Price discrepancy on Vanguard Intl ETFs
Replies: 14
Views: 1129

Re: Price discrepancy on Vanguard Intl ETFs

Now if M* would just fix its more-than-a-week-old data problem. Some ETFs, including VFVA/Vanguard US Value Factor and AVDV/Avantis International Small Cap Value are showing stale prices from January 13. I assume there are others, but those are two that I own with stale data. I see a similar proble...
by jhfenton
Mon Jan 25, 2021 11:59 am
Forum: Personal Consumer Issues
Topic: Password manager
Replies: 94
Views: 8162

Re: Password manager

I've been in the security industry for a while and this is something I feel very passionate about. Thanks for chiming in. I appreciate it when professionals bring their expertise to the table. After using Bitwarden for a while, and being very pleased with it, I have a question. How does one handle ...
by jhfenton
Fri Jan 22, 2021 11:31 am
Forum: Investing - Theory, News & General
Topic: Price discrepancy on Vanguard Intl ETFs
Replies: 14
Views: 1129

Re: Price discrepancy on Vanguard Intl ETFs

Now if M* would just fix its more-than-a-week-old data problem. Some ETFs, including VFVA/Vanguard US Value Factor and AVDV/Avantis International Small Cap Value are showing stale prices from January 13. I assume there are others, but those are two that I own with stale data. I see a similar proble...
by jhfenton
Fri Jan 22, 2021 9:40 am
Forum: Investing - Theory, News & General
Topic: Price discrepancy on Vanguard Intl ETFs
Replies: 14
Views: 1129

Re: Price discrepancy on Vanguard Intl ETFs

Something strange has happened with Vanguard's reported market prices. No distributions are scheduled. VEA: $48.56 at TUE close, $46.805 WED before market open VWO: $53.45 at TUE close, $49.729 WED before market open Can anyone explain? Market open never has to equal closing of the previous day. Es...
by jhfenton
Wed Jan 20, 2021 10:45 am
Forum: Investing - Theory, News & General
Topic: Price discrepancy on Vanguard Intl ETFs
Replies: 14
Views: 1129

Re: Price discrepancy on Vanguard Intl ETFs

It was a data error of some sort, and it was not limited to international ETFs. The closing price for VFVA/Vanguard US Value Factor was also off first thing this morning.
by jhfenton
Wed Jan 20, 2021 9:36 am
Forum: Personal Investments
Topic: Vanguard account is $3448 short. Wrong price on Vanguard Total International Stock ETF
Replies: 8
Views: 1167

Re: Vanguard account is $3448 short. Wrong price on Vanguard Total International Stock ETF

I had quite a few prices quoted wrong on my account this morning too. It also made my balance thousands of dollars below my spreadsheet. I don't know if it's connected, but M* has had pricing issues since late last week too. Their portfolio manager and quote pages have had bad pricing—although diffe...
by jhfenton
Fri Jan 15, 2021 8:29 pm
Forum: Personal Consumer Issues
Topic: Secure email provider
Replies: 23
Views: 1945

Re: Secure email provider

I use Proton Mail for anything financial or important. Same for me. I use a few personal email addresses with a personal domain name that I control and use only with important, trusted institutions. Those get filtered in my ProtonMail account. (A side benefit is that I never get spam in my ProtonMa...
by jhfenton
Mon Jan 04, 2021 12:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?
Replies: 15
Views: 1132

Re: Vanguard Mobile Check Deposit - Can I use this for my Fidelity 401k to Vanguard IRA rollovers?

^I would consider the suggestion to start by opening these IRA’s at Fidelity. Once you have the separate IRA’s, you can move them to Vanguard later if you wish. It may be an extra step. But you so greatly reduce the risk of a misstep that the trade off would be worth it to me. ^ I would strongly su...
by jhfenton
Wed Dec 30, 2020 12:32 pm
Forum: Personal Finance (Not Investing)
Topic: Fifth Third HSA Transitioning to Optum HSA
Replies: 24
Views: 1779

Re: Fifth Third HSA Transitioning to Optum HSA

I just received an email from our benefits people: To Health Savings Account Participants: We just received an Urgent Update from Fifth Third regarding the transition of your Fifth Third HSA account to Optum Bank. It was previously communicated to you that Fifth Third planned to resign as the custod...
by jhfenton
Wed Dec 16, 2020 2:42 pm
Forum: Investing - Theory, News & General
Topic: [Maxing out your IRA and other things to do on January 1st]
Replies: 172
Views: 14368

Re: So, who's maxing out their IRA on Jan 1st?

Nope. Like most people not on Bogleheads, we don't have the money to max out anything on the first of the year. I'll contribute ~$583.33 monthly to each of our Roth IRAs, most likely starting on January 1 (or 4th). Most years, I get ahead of things and max out both accounts by September. I don't hav...
by jhfenton
Wed Dec 16, 2020 2:34 pm
Forum: Personal Finance (Not Investing)
Topic: Fifth Third HSA Transitioning to Optum HSA
Replies: 24
Views: 1779

Re: Fifth Third HSA Transitioning to Optum HSA

I received the same notice from Fifth Third. I called Fidelity yesterday to see about transferring my HSA account from 5/3. They said with 5/3 it would require mailing paperwork and could take up to 3 weeks. They said they have the ability to pull it electronically from Optum if I just fill out Fid...
by jhfenton
Wed Dec 16, 2020 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Fifth Third HSA Transitioning to Optum HSA
Replies: 24
Views: 1779

Re: Fifth Third HSA Transitioning to Optum HSA

I was going to start this thread last week, but I never got around to it. My employer was blindsided by this. The benefit folks learned about it by receiving their own mailed notices at home Saturday before last. (I received my notice last Monday.) I have already been making periodic trustee-to-trus...
by jhfenton
Sun Dec 13, 2020 10:51 am
Forum: Personal Investments
Topic: For those of you at etrade can you sell a vanguard fund and buy another vanguard fund the same day?
Replies: 12
Views: 805

Re: For those of you at etrade can you sell a vanguard fund and buy another vanguard fund the same day?

Selling and buying ETFs within the same day is not quite the same thing as a mutual fund exchange. It's not as clean and involves at least some time out of the market. Also requires two user-directed transactions rather than one with the exchange. I agree it’s not the same, and that it requires two...
by jhfenton
Sun Dec 13, 2020 9:29 am
Forum: Investing - Theory, News & General
Topic: What ETFs would you like to see Vanguard do next?
Replies: 86
Views: 5163

Re: What ETFs would you like to see Vanguard do next?

It is because the TIPS Index is a very poor "investable" index. If you are a index fund you have to follow the index. Every day you are expected to buy and sell bonds in the exact proportion of the index. The TIPS market is pretty illiquid with relatively few securities. A mutual fund fol...
by jhfenton
Tue Dec 08, 2020 9:13 pm
Forum: Personal Consumer Issues
Topic: PSA: Google Project Sunroof
Replies: 17
Views: 1734

Re: PSA: Google Project Sunroof

Interesting. It says that we would save over $7,000 over 20 years, which seems a quite modest savings. We also have a three-story 110-year-old house with high heating bills. So on the one hand, the potential savings might be quite a bit higher. Or it might be difficult and expensive to install and ...
by jhfenton
Tue Dec 08, 2020 2:42 pm
Forum: Personal Investments
Topic: Why are folks still clinging to Mutual Funds vs ETFs?
Replies: 100
Views: 8845

Re: Why are folks still clinging to Mutual Funds vs ETFs?

Thank you. I should have checked the numbers myself. In my case it's 1 basis point with the outlier being TISM at 3 basis points. Annoying the International funds are 3 basis points. :beer The real outlier is Vanguard FTSE All-World ex-US Small cap at 5 bp (16 bp vs 11 bp). We asked for Admiral Sha...
by jhfenton
Tue Dec 08, 2020 2:37 pm
Forum: Personal Consumer Issues
Topic: PSA: Google Project Sunroof
Replies: 17
Views: 1734

Re: PSA: Google Project Sunroof

Interesting. It says that we would save over $7,000 over 20 years, which seems a quite modest savings. We also have a three-story 110-year-old house with high heating bills. So on the one hand, the potential savings might be quite a bit higher. Or it might be difficult and expensive to install and m...
by jhfenton
Tue Dec 08, 2020 1:47 pm
Forum: Personal Investments
Topic: Why are folks still clinging to Mutual Funds vs ETFs?
Replies: 100
Views: 8845

Re: Why are folks still clinging to Mutual Funds vs ETFs?

The difference in MF vs. ETF ERs may also be lost in the trading spread when placing market orders Just food for thought. motiv8ed This. The 0.01% ER savings may end up being smaller than the bid-ask spread you have to pay when buying or selling ETFs, not to mention that there can be a small differ...
by jhfenton
Tue Dec 08, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: New Apple Mac Mini with M1 processor
Replies: 21
Views: 2022

Re: New Apple Mac Mini with M1 processor

In every case, of course, the monitors are still running in 3840x2160 mode. MacOS merely scales the UI elements to suit the physical screen size and users' eyesight. The result is crisp UI elements and text. There is nothing horrible about it. For the scaled modes, MacOS uses retina (doubling) mode...
by jhfenton
Mon Dec 07, 2020 7:48 pm
Forum: Investing - Theory, News & General
Topic: Comparing US large cap value
Replies: 11
Views: 1210

Re: Comparing US large cap value

:?: I have a large position in Vgd large cap value VIVAX which I established after reading Bill Bernstein's Four Pillars. In a later book, he states that fund has done a poor job capturing the value premium. DFAs DFLVX, which I can't get without an advisor, has done a better job. I see that iShares...
by jhfenton
Mon Dec 07, 2020 7:37 pm
Forum: Personal Consumer Issues
Topic: New Apple Mac Mini with M1 processor
Replies: 21
Views: 2022

Re: New Apple Mac Mini with M1 processor

Pay close attention to a monitor's resolution. Apple targets the size of UI elements to be appropriate on their screens which all now are around 110 faux ppi (220 real ppi.) That means you want a monitor that is either 96-110 ppi, or 192-220 ppi. If you get a monitor with a different resolution, yo...
by jhfenton
Mon Dec 07, 2020 1:19 pm
Forum: Personal Investments
Topic: Why are folks still clinging to Mutual Funds vs ETFs?
Replies: 100
Views: 8845

Re: Why are folks still clinging to Mutual Funds vs ETFs?

At this point, all of our non-401(k) equity funds are ETFs. Our 401(k)s do not have brokerage windows, so mutual funds are the only options. On the bond side, Vanguard still has some active mutual fund only options. In particular, I own VOHIX/Vanguard Ohio Long-Term Tax Exempt and VEGBX/Vanguard Eme...
by jhfenton
Mon Dec 07, 2020 10:52 am
Forum: Personal Consumer Issues
Topic: is it ok to download Big Sur for MAC yet??
Replies: 47
Views: 3911

Re: is it ok to download Big Sur for MAC yet??

I'm running it without issue on my 2018 Mac mini. I haven't seen any major software incompatibilities, certainly far fewer than with Catalina, which removed support for 32-bit apps and thereby marooned a lot of older software on Mojave. I still have our older Mac mini (2012) in the living room runni...
by jhfenton
Sat Dec 05, 2020 9:38 pm
Forum: Investing - Theory, News & General
Topic: Comparing US large cap value
Replies: 11
Views: 1210

Re: Comparing US large cap value

I have a large position in VFVA/Vanguard US Value Factor. It is not strictly large cap--in fact, it is 1/3 large, 1/3 mid, 1/3 small by design--but it loads very heavily on value and costs 14 bp. I agree that VIVAX doesn't load particularly heavily on the value factor, but I certainly wouldn't pay f...
by jhfenton
Sat Dec 05, 2020 12:42 pm
Forum: Investing - Theory, News & General
Topic: Are potential IRA custodian errors a reason to avoid IRAs?
Replies: 14
Views: 884

Re: Are potential IRA custodian errors a reason to avoid IRAs?

I hear people saying on this forum that their brokers have made errors with the wrong share count and such. Would this kind of an "excess contribution" caused by broker mistakes (say because the broker added 10 shares of some company to an IRA account instead of the 5 they should have for...
by jhfenton
Sat Dec 05, 2020 7:15 am
Forum: Personal Investments
Topic: Would this be a wash sale?
Replies: 3
Views: 277

Re: Would this be a wash sale?

Agreed. Even if you sell the PA fund at a loss, buying the national intermediate muni fund would not trigger a wash sale. By no stretch of the imagination is the intermediate muni fund "substantially identical" to the PA long muni fund. (The answer would be the same if you bought the Vangu...
by jhfenton
Wed Dec 02, 2020 11:16 am
Forum: Personal Consumer Issues
Topic: Who's keeping Netflix now? (price increased to $13.99)
Replies: 200
Views: 14303

Re: Who's keeping Netflix now? (price increased to $13.99)

$17.99 for the UHD is still a bargain given how much all four of us watch on it. And no other service includes the variety of non-English content that Netflix does—almost always with non-English subtitles to match the non-English dialogue—and that matters to me. We actually currently pay $3 for the ...
by jhfenton
Mon Nov 30, 2020 12:11 pm
Forum: Personal Consumer Issues
Topic: Fitness Rowers: Hydrow vs Concept 2
Replies: 34
Views: 2429

Re: Fitness Rowers: Hydrow vs Concept 2

I'll use the ~$1400 price difference for cases of wine! Amazon shows its available next week. Some C2s are available shortly after that or in January. I think you are seeing third-party sellers with marked up prices on the C2. MSRP is $900. You can buy the unit at MSRP by joining the C2 wait list a...