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Re: Vanguard Account Owners - has this happened to you?

About three weeks later, my wife asked me if I had transferred ~$100K in our Chase bank saving account to somewhere. I had no idea why $100k disappeared from our bank account. So I looked over my various accounts and found that the money that disappeared showed up in my Vanguard rollover IRA accoun...
by Electron
Thu Jul 24, 2014 12:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Account Owners - has this happened to you?
Replies: 17
Views: 2578

Re: Am I "Locked In" For Payments With This Bond Fund?

PIMCO Income Fund is somewhat unusual with the dividend not varying month to month for relatively long periods. I would try to understand exactly how this fund operates. Closed-end bond funds will often have a constant payout for periods of time but there is a reason. They may have undistributed net...
by Electron
Sun Jul 20, 2014 11:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: Am I "Locked In" For Payments With This Bond Fund?
Replies: 11
Views: 1073

Re: Vanguard's Proportional RMD service

The proportional option is fairly new and when they set it up, they simply programmed it to be a special case of one of their previous options. This morning I read the detailed RMD Service Agreement and my Confirmation Statement that was dated January 21. The service agreement is several pages long...
by Electron
Sat Jul 19, 2014 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3565

Re: Vanguard's Proportional RMD service

This was what I thought also, until I contacted Vanguard. If you delete a fund you will need to contact them to get that fund's RMD elsewhere. If you add a fund and want part of the RMD from it you have to contact them. If you exchange too much out of a fund to cover its share of the RMD or its val...
by Electron
Sat Jul 19, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3565

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

You could also install the replacement drive inside an enclosure and clone. If/when the internal HD fails, remove the replacement HD from the enclosure and install in the desktop. If both drives are installed internally, both drives will be powered up unless open the case to unplug the replacement ...
by Electron
Fri Jul 18, 2014 1:42 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Re: How exactly does Vanguard's RMD service work? Rebalancin

After a couple phone conversations with Vanguard representatives I am told that the only way for them to be covered is if I have the funds go to a bank account outside of Vanguard and then purchase the shares. Wouldn't investing the RMD in an existing Vanguard Money Market fund work? You could then...
by Electron
Fri Jul 18, 2014 1:16 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3565

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

It can restore from / to disks of different partition size(s) - as long as the restore is to a partition or disk of = size or larger. I've been involved in an interesting discussion on that subject in another forum. Others are saying that Macrium can restore an image to a partition smaller than the...
by Electron
Thu Jul 17, 2014 5:09 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

I then ran the restore process and when completed everything was there and running OK just as with the original drive. Thanks for passing that along. I intend to do the same thing to get the confidence that it all works. In my case I do have a USB 3.0 Seagate backup drive and storing the image has ...
by Electron
Thu Jul 17, 2014 1:27 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Re: Adding Backup Boot Disk - Windows 7 - Clone or Image?

How quick a recovery do you need? Thanks for the help. It does not need to be fast at all. I would just like to be able to restore operation of the computer without the need to reinstall Windows along with all programs and updates. I'll look into your suggestion on the RAID 1 array. I had never tho...
by Electron
Thu Jul 17, 2014 12:23 am
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Adding Backup Boot Disk - Windows 7 - Clone or Image?

I will be adding a second internal disk drive to my Windows 7 desktop computer for quick recovery should the current hard disk ever fail. Would you recommend disk cloning or disk imaging? Is it best to have the backup disk the same exact size in gigabytes as the disk it would be replacing? I would l...
by Electron
Wed Jul 16, 2014 1:08 pm
 
Forum: Personal Consumer Issues
Topic: Adding Backup Boot Disk - Windows 7 - Clone or Image?
Replies: 13
Views: 952

Vanguard Corporate Bond Funds - Derivative Securities

The latest Vanguard Corporate Bond Funds Annual Report shows a long list of derivative securities for the short and intermediate term funds. There is a smaller list shown for the long term fund. The Annual Report is available at the link below. https://personal.vanguard.com/us/funds/snapshot?FundId=...
by Electron
Tue Jul 15, 2014 2:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Corporate Bond Funds - Derivative Securities
Replies: 0
Views: 376

Re: Tax Gain Harvesting Strategy Questions

I would check very carefully how much space is left in the 15% bracket. That is the amount that could be taxed at 0% for capital gains and qualified dividends.

The key figure filling the bottom portion of the bracket is typically all of your ordinary income minus deductions and exemptions.
by Electron
Sun Jul 13, 2014 5:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Tax Gain Harvesting Strategy Questions
Replies: 13
Views: 688

Re: AAPL

One key decision in selling the covered call is the expiration date. One could sell a call expiring next week or as late as January 2016. The difference in premium will be significant. The strike price is the other key factor. It is easy to regret selling a covered call in a bull market or anytime t...
by Electron
Sat Jul 12, 2014 2:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 156
Views: 34126

Re: Dividend And Interest Distributions

It makes no difference if 401K funds keep a constant share balance or reinvest in additional shares after going ex-dividend. The dollar value of any given 401K account would be the same in either case. The mechanics are just accounting. If rates rise and a 401K bond fund drops in value, it would all...
by Electron
Fri Jul 11, 2014 2:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Dividend And Interest Distributions
Replies: 15
Views: 1291

Re: AAPL

Online option courses are available at no cost that are quite instructive. Highly recommended. http://www.optionseducation.org/en.html The catalog shows the available choices such as Options Basics, Covered Calls, and Volatility. After selling a call, I don't think it typically gets exercised as lon...
by Electron
Wed Jul 09, 2014 2:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: AAPL
Replies: 156
Views: 34126

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Using the balanced index fund, you are now at a 5% SWR with only 15 years into your retirement. I guess that's right...there are only 15 years left in a 30 year SWR and I would guess that a 5% SWR would usually work over 15 years. It's easy to forget that a 2% annual increase in withdrawal over 15 ...
by Electron
Tue Jul 08, 2014 10:49 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: The Risk of Short-term Bond Funds

This thread (and almost all the bond-panic threads) repeatedly miss the central point. All the worry is over interest rate risk (or duration risk). If you start investing at age 30 and die at 90, your holding period is 60 years, or something like 20x the duration of an intermediate bond fund. In su...
by Electron
Tue Jul 08, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10144

Re: Large capital gain this year

December is typically an up month in the stock market so you might consider any alternatives. It's also not uncommon to have stock market corrections in the fall and especially in mid-term election years. I'll assume that you would do your selling at the low point of the remainder of the year if you...
by Electron
Mon Jul 07, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Large capital gain this year
Replies: 79
Views: 4162

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Using the same method as described above, I added Vanguard Wellesley Income fund for comparison. The 15 year return on Wellesley Income is 7.35% compared with 5.58% for the Balanced Index fund. The extra return makes quite a difference after 15 years with withdrawals in the range of 4%. All returns ...
by Electron
Mon Jul 07, 2014 7:09 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Thanks all for your replies. Here is the data from my spreadsheet. Growth of $10,000 data was taken from the Morningstar Chart for Vanguard Balanced Index fund on June 30 of each year. The percentage gain from period to period was then calculated. Withdrawals started at 4% and were increased 2% each...
by Electron
Mon Jul 07, 2014 2:51 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: 4% Withdrawals Through 2000 and 2008 Bear Markets

Thanks dbr and CFM300 for your replies and actual data. I agree on the inflation factor and the different ways a withdrawal might be defined. It does appear that the retiree might have fallen behind somewhat and that is after the major advance in stocks from 2009 through mid 2014. Things could have ...
by Electron
Sun Jul 06, 2014 4:05 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

4% Withdrawals Through 2000 and 2008 Bear Markets

Morningstar is currently showing the 15 year return on Vanguard Balanced Index fund (VBINX) as 5.58%. Is it safe to assume that a retiree making 4% withdrawals from that fund over the last 15 years would currently have a greater account balance than when they started? The period involved included tw...
by Electron
Sun Jul 06, 2014 2:05 pm
 
Forum: Investing - Theory, News & General
Topic: 4% Withdrawals Through 2000 and 2008 Bear Markets
Replies: 26
Views: 3318

Re: The Risk of Short-term Bond Funds

Thanks for posting. Interesting and sobering. Have you seen anything that gives a hint as to the size of the fees that are being considered? None of the articles that I have seen mentioned anything about the size of possible exit fees. I would expect significant resistance to that kind of proposal ...
by Electron
Fri Jul 04, 2014 2:40 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10144

Re: The Risk of Short-term Bond Funds

Short term bond funds will often outperform longer duration bond funds during periods of negative bond returns. They may indeed have their place in the period ahead. There have been a number of articles recently stating that the Federal Reserve has discussed Exit Fees on bond funds. They are very co...
by Electron
Fri Jul 04, 2014 1:12 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10144

Re: The Risk of Short-term Bond Funds

It might be instructive to look at the comparison farther back in time. One could then highlight periods when short term bond funds did outperform longer duration funds. It would be interesting to at least understand the circumstances in those periods. Examples might be 1994 and certain periods afte...
by Electron
Thu Jul 03, 2014 5:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Risk of Short-term Bond Funds
Replies: 152
Views: 10144

Re: Who to contact for RMD strategy?

You may want to look into minimizing other sources of ordinary income going forward. At higher income levels it is often desirable to have qualified dividends, long term capital gains, and tax exempt income in taxable accounts. A tax efficient strategy with taxable accounts will generally try to def...
by Electron
Thu Jun 26, 2014 3:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Who to contact for RMD strategy?
Replies: 18
Views: 1412

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Thanks Frugal Al and BigJohn for the additional comments. I retired in 2007 and did take a lump sum in 2008. The purpose of this thread was to clarify a few points that came up in a discussion with some other retirees. My situation also had an interesting complication because I was under an early re...
by Electron
Wed Jun 18, 2014 6:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1257

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Paul - Thanks very much for the clarification. You did answer my question but I did not interpret it correctly. In my first read I thought the "balance left in the plan" was the amount remaining after subtracting the lump sum allocated to you. Your actuary did indeed do an excellent job an...
by Electron
Mon Jun 16, 2014 2:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1257

Re: Pension Lump Sum - Impact of Higher Corporate Rate

Thanks all for your replies. After a little reading it looks as though the higher corporate bond rate was part of the Pension Protection Act of 2006. Many pensions were underfunded with a high percentage of retirees taking lump sums which did create problems. Companies did request the change and arg...
by Electron
Mon Jun 16, 2014 12:25 am
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1257

Pension Lump Sum - Impact of Higher Corporate Rate

With the higher corporate interest rate now in use for pension lump sums, would a typical retiree lump sum be able to purchase the annuity option monthly income on the outside? This question is just for discussion. It's also not clear if the relationship between lump sum and annuity monthly income i...
by Electron
Sun Jun 15, 2014 4:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pension Lump Sum - Impact of Higher Corporate Rate
Replies: 16
Views: 1257

Re: Problem With New VCR Tapes

Here is an update on this thread. I continued to have serious problems with the Maxell Standard Grade VCR tapes that I had just purchased from a major online retailer. It got to the point where cleaning of the VCR heads was required daily. Often just a rewind or fast forward would bring on the probl...
by Electron
Sun Jun 01, 2014 6:03 pm
 
Forum: Personal Consumer Issues
Topic: Problem With New VCR Tapes
Replies: 28
Views: 2843

Re: Thinking of buying a 1974 Corvette

The Hemmings site is also very useful with photos and prices.

Type 1974 Corvette into the search box or click on the second link below.

http://www.hemmings.com/

http://www.hemmings.com/classifieds/?ad ... 4+Corvette
by Electron
Thu May 29, 2014 12:18 am
 
Forum: Personal Consumer Issues
Topic: Thinking of buying a 1974 Corvette
Replies: 22
Views: 1461

Re: Do you need international bonds?

Would it be worth reevaluating international bonds in the future if there was a yield advantage?

I'm talking about a case where Vanguard's International Bond Index fund had an SEC yield somewhat greater than the domestic bond index fund.
by Electron
Mon May 26, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: Do you need international bonds?
Replies: 29
Views: 2740

Re: Question for renters that are happily renting..

It's good to see a thread with emphasis on quality of life as a higher priority than financial net worth. Maybe we need to define a new metric that includes happiness and qualify of life. Financial factors might impact the value of the metric but would not necessarily be a priority. In regards to th...
by Electron
Mon May 26, 2014 2:10 pm
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 6691

Re: Question for renters that are happily renting..

Maintaining a home is a continuous and major effort and I've had the same thoughts about renting. I do look forward to an easier lifestyle some day. Here are a few considerations to think about. Annual rent increases are the norm in many areas and they can exceed the rate of inflation. I think incre...
by Electron
Thu May 22, 2014 5:13 pm
 
Forum: Personal Consumer Issues
Topic: Question for renters that are happily renting..
Replies: 44
Views: 6691

Re: New Version of Excel - All Worksheets Need Changes

I should clarify that a new version of Excel on the same exact computer might not be a major effort. The columns and zoom settings may not require change. There could, however, be a significant learning curve if one has not used the new Excel "Ribbon" before. That is a major change and mos...
by Electron
Mon May 19, 2014 2:36 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1363

Re: New Version of Excel - All Worksheets Need Changes

Thanks all for your comments. I agree on using auto fit on column width. It appears that there are some things we can do to prevent future problems. That would include having a little extra margin on any fixed column width or row height. The better solution if practical would be to use the auto fit ...
by Electron
Sun May 18, 2014 11:09 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1363

Re: New Version of Excel - All Worksheets Need Changes

Thanks for the pointer to the Excel forum.

I think part of my problem is moving from a 1280x1024 display to wide screen 1920x1080. That is a large change in aspect ratio with the wider screen.
by Electron
Sun May 18, 2014 4:31 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1363

New Version of Excel - All Worksheets Need Changes

I'm wondering if others have had a problem after installing a new version of Microsoft Excel, getting a new computer, or using a different display resolution. All my worksheets need a change in the zoom setting, many columns need to be made wider to display the contents properly, and all charts need...
by Electron
Sun May 18, 2014 4:03 pm
 
Forum: Personal Consumer Issues
Topic: New Version of Excel - All Worksheets Need Changes
Replies: 10
Views: 1363

Re: How exactly does Vanguard's RMD service work? Rebalancin

I also assume that there is not any way to do this from individual securities held in a VBS account. Many are not aware that you can transfer stocks in-kind from an IRA to a Taxable Account. Asset Allocation would be maintained in this case minus the taxes paid on the IRA withdrawal. If one sells a...
by Electron
Mon May 12, 2014 12:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3565

Re: How exactly does Vanguard's RMD service work? Rebalancin

I have a small Inherited IRA at Vanguard and there were several options in determining how the annual RMD would be taken. This assumes that more than one security or mutual fund is held in the account. My choice was proportional which I think means that the exact dollar amounts are calculated on the...
by Electron
Sat May 10, 2014 4:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3565

Re: Windows XP users

It looks as though Microsoft is patching the Internet Explorer security hole for everyone including WinXP. http://www.theregister.co.uk/2014/05/01/internet_explorer_patch/ http://mashable.com/2014/05/01/microsoft-internet-explorer-security-patch/ There are many similar articles announcing this infor...
by Electron
Thu May 01, 2014 11:51 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619

Re: Why will stocks/bonds do worse than in the past?

Take a look at John Bogle's book "Common Sense on Mutual Funds". He presents a simple model that forecasts the ten year forward return for both stocks and bonds. The bond model uses the current yield on the broad bond market as the primary input. The low yields today translate to lower ret...
by Electron
Mon Apr 28, 2014 11:52 pm
 
Forum: Investing - Theory, News & General
Topic: Why will stocks/bonds do worse than in the past?
Replies: 30
Views: 5525

Re: Looking for Muni income--PML???

I'd suggest taking a look at the Closed-End Funds Forum on Morningstar.

http://socialize.morningstar.com/NewSoc ... 00006.aspx

There is a lot of interest in both taxable and tax exempt bond funds.
by Electron
Sat Apr 19, 2014 8:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Looking for Muni income--PML???
Replies: 6
Views: 671

Re: Windows XP users

The irony is, I believe (and someone can correct me if wrong) that the final update had nothing to do with the operating system, but rather with applications....I think Microsoft Office. That's the backstory that so far Steve Gibson has been the only security professional to voice out loud. Namely,...
by Electron
Fri Apr 18, 2014 11:36 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619

Re: Windows XP users

I connected my WinXP computer to the Internet yesterday and see that Microsoft is continuing to provide virus definition updates for Security Essentials. However, there seem to be multiple warnings about the end of support for both WinXP and Security Essentials. After the update I decided to do a Fu...
by Electron
Fri Apr 18, 2014 1:00 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619

Re: Windows XP users

I also misunderstood the timing. I thought that today (8 April) was the last day of Microsoft's support for Win XP. Instead, it's the first day of no support. Earlier we heard that Security Essentials will continue to get updates for perhaps a year. We should be able to confirm the start of that so...
by Electron
Tue Apr 08, 2014 1:58 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619

Re: Windows XP users

VictoriaF wrote:Mine is orange, too. As if it has prematurely turned into a pumpkin.

The green and recently orange icon displayed by Microsoft Security Essentials is now red!

It also displays the letter X.
by Electron
Tue Apr 08, 2014 12:55 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619

Re: Windows XP to Linux Question with existing HW

Try LXLE which is a customized version of Lubuntu. The default desktop closely resembles Windows XP. LXLE has been successfully running on old EMachines of mine from the 2001-2003 time period. I tried multiple lightweight distros before settling permanently on LXLE. I just ran LXLE live from a flas...
by Electron
Sat Apr 05, 2014 3:10 pm
 
Forum: Personal Consumer Issues
Topic: Windows XP to Linux Question with existing HW
Replies: 61
Views: 3155

Re: Windows XP users

Security Essentials will turn orange if you have not run a definition update or a scan recently. I have mine set to scan daily and update definitions before the scan. It's still green on a WinXP virtual machine with those two settings. I just updated Security Essentials and the Icon remains orange....
by Electron
Fri Apr 04, 2014 11:35 am
 
Forum: Personal Consumer Issues
Topic: Windows XP users
Replies: 223
Views: 47619
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