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Securities Records

. To expand a little on Alex's answer: Vanguard keeps track of how much you own of TSM but I do not believe custodian bank such as J.P.Morgan has any records of what you own individually - that is only at Vanguard and in documentation/statements you keep. You own TSM, TSM owns shares in various stoc...
by EyeDee
Sun Apr 19, 2015 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: Does Vanguard actually own the securities in its funds?
Replies: 9
Views: 1145

Re: Mailing tax returns

. Although we figure our taxes using Excel, put the numbers into fillable pdf tax forms from the IRS and the state, print the forms, and recheck with a calculator/adding machine, we just mail them using our regular mail box (often with two ounce postage). When that stops working, I guess we will sta...
by EyeDee
Thu Apr 09, 2015 6:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mailing tax returns
Replies: 56
Views: 3594

Switching to 40% in bonds.

.
Mark,

How about considering moving 1% to bonds each month or each quarter, until you get to your goal? Might not be the wisest choice depending upon your age and situation, but at least it would get you started while you become more comfortable with the idea of holding some bonds.
by EyeDee
Mon Apr 06, 2015 10:14 am
 
Forum: Investing - Theory, News & General
Topic: Switching 40% of my portfolio to bonds: just can't do it.
Replies: 52
Views: 6973

ACA MAGI and Capital Gains

. Bustoff, If the sale proceeds exceed your allowed exclusion and you have actual capital gains on the sale that will be reported on the first page of form 1040 then I believe the capital gains will increase your MAGI for Obamacare purposes and reduce your benefits. You probably want to do some revi...
by EyeDee
Thu Apr 02, 2015 10:23 am
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 1991

Re: Vanguard Mid-Cap ETF (VO) sudden dive

. It also jumped in the last seconds of 03/31/15, so the drop on 04/01/15 was mostly just removing the big jump at the end of 03/31/15. I do not know much about trading ETF's but my guess is there was one mistyped trade at the end of 03/31/15. Whether the trade stuck or was corrected, I do not know ...
by EyeDee
Wed Apr 01, 2015 6:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Mid-Cap ETF (VO) sudden dive
Replies: 13
Views: 1360

Re: VG Total Bond Distrb Factor of 10 Smaller

.
The normal dividend distribution for Total Bond for March will not be known until sometime April 1, the distribution listed on Vanguard web site for the fund in the evening of March 31 are some small capital gains that are also being paid out in March.
by EyeDee
Tue Mar 31, 2015 10:39 pm
 
Forum: Investing - Theory, News & General
Topic: VG Total Bond Distrb Factor of 10 Smaller
Replies: 2
Views: 420

Funds by category

. LadyGeek, The page works fine for me in Firefox 36.0.4 under Windows 7. Perhaps you have something set in Firefox that is incompatible with Vanguard's site. It should stay buried, as that site doesn't work on Firefox. Here's your link, which is to the Personal Investor website: Vanguard mutual fun...
by EyeDee
Sat Mar 28, 2015 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Web Site [How do I research funds by category?]
Replies: 11
Views: 1011

Re: Vanguard's Week In Review

. Selftalk, I do not understand your response. I have been agreeing with Taylor. The concern I have been trying to express is that Vanguard is changing their a weekly report to a bi-weekly report oriented to analysis and opinions and dropping some basic information that I have some interest in seein...
by EyeDee
Sat Mar 28, 2015 4:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Re: Vanguard's Week In Review

. House Blend, Thank you for the links, the Economic Calendar gives a nice summary of report statistics. I have now set up a Bookmark group of four sites to get some of the information I got from the one weekly report on Vanguard's site (and that was in the 25% I read while generally ignoring 75% of...
by EyeDee
Sat Mar 28, 2015 1:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Re: Vanguard's Week In Review

. Since no one else seem to have any sites to recommend for my particular concerns, I started Googling for possibilities. I found a very nice summary of the past week and schedule of reports for next week at MFS's web site: https://www.mfs.com/wps/portal/mfs/us-investor/market-outlooks/market-commen...
by EyeDee
Fri Mar 27, 2015 11:06 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Re: Vanguard's Week In Review

. LadyGeek, No, but thank you for trying. My problem is not with finding Vanguard's reports, it is with the fact that they are going to quit providing one of the reports and the description of replacement report/E-mail indicates it will not have the information with which I am interested - i.e. a ti...
by EyeDee
Fri Mar 27, 2015 8:49 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Re: Vanguard's Week In Review

. Steve, Thanks for taking the time to provide the link, but Mr. McBride reports seem to be more like the information that Vanguard is planning on providing that I have very minimal interest in and not like the simple information they are dropping which I am very interested in getting. Edit: It look...
by EyeDee
Fri Mar 27, 2015 8:36 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Re: Vanguard's Week In Review

. Taylor, I doubt if I will bother with "Eye on the Economy" e-mail either. That is part of why I am very disappointed with Vanguard's changes. I would much prefer just getting the timeline for the next weeks report and the chart of the previous weeks results that is in the current Week In...
by EyeDee
Fri Mar 27, 2015 8:32 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

Vanguard's Week In Review

. With this week's Week in Review, Vanguard announced changes: "To provide you with more research-based insight into the economy, the markets, and investing, Economic Week in Review—a recap of the week's economic highlights—is being replaced. Starting in mid-April, you'll receive Eye on the Eco...
by EyeDee
Fri Mar 27, 2015 6:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's Week In Review
Replies: 19
Views: 2108

ACA Benefits Vs Investments

. Bustoff, Personally I think it is worth letting your income get up to the 185%-198% of your family poverty level even if that means you get a smaller premium subsidy and higher deductibles, if you can handle the premiums, deductibles, and other medical expenses at that level and if you can control...
by EyeDee
Wed Mar 18, 2015 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Has health coverage under ACA affected investment decisions?
Replies: 21
Views: 1991

Vanguard's Board

. Obviously Vanguard does not have an independent Chair, but given how little we know about Vanguard's board, are you sure that one of the outside directors is not an independent lead director, especially since Mr. McNabb is the only insider on the board? I wish Vanguard disclosed more about their b...
by EyeDee
Wed Mar 18, 2015 10:10 am
 
Forum: Investing - Theory, News & General
Topic: Should William McNabb III be chairman of Vanguard's board?
Replies: 8
Views: 1313

Re: Mortgage

. I marked 10-15 years, although it was only a couple months over 10 years. What low rate mortgage? We were paying 13.5% + 0.25 PMI. While you were paying 13.5%, did you also invest with taxable account? I'm curious why you kept the 13.5% mortgage for 10 years without paying off or refinancing? . I...
by EyeDee
Tue Mar 17, 2015 2:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2825

Mortgage

. I marked 10-15 years, although it was only a couple months over 10 years. What low rate mortgage? We were paying 13.5% + 0.25 PMI. I'm surprised to see 47% (54 out of 113) paid off the mortgage early in less than 10 years. (if you exclude paid with cash folks, 42% = 43 out of 102). I always though...
by EyeDee
Tue Mar 17, 2015 10:22 am
 
Forum: Personal Finance (Not Investing)
Topic: [Poll] How long did you hold primary residence mortgage?
Replies: 34
Views: 2825

Vanguard Funds of Funds

. Over the years Vanguard materials have emphasized that their funds of funds do not charge any extra fee over the fees of the underlying funds - changing that might cause a PR problem. From their own response, wouldn't this be possible? (Whether they'd do it is another question, of course.) LifeStr...
by EyeDee
Sun Mar 15, 2015 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5352

Vanguard Fund of Funds

. Vanguard could surprise me and switch to Admiral Shares for the underlying funds of their funds of funds, but since the funds of funds are often used as starter funds so likely to have many small accounts and since there is some management needed to regularly re-balance those funds, it seems very ...
by EyeDee
Sun Mar 15, 2015 3:53 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5352

Vanguard Fund of Funds

Has this ever been discussed by Vanguard or communicated to Vanguard at any of the Bogleheads conferences? . See: https://www.bogleheads.org/forum/viewtopic.php?p=1146501#p1146501 " Postby manuvns » Thu Aug 11, 2011 3:35 pm still waiting for admiral series of target date fund . here is the res...
by EyeDee
Sun Mar 15, 2015 1:56 pm
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5352

LifeStrategy Funds Costs

. In addition to the restrictions mentioned and the fact that the use of Investor shares verses Admiral shares covers the cost of small accounts and re-balancing/managing the funds, for the bond heavy funds the cost is already been reduced some by Vanguard when they switched the Total Bond Market In...
by EyeDee
Sun Mar 15, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Improving the Lifestrategy Funds
Replies: 63
Views: 5352

Re: New Vanguard Web Site Navigation

. Ken, Thank you for the information. Maybe Vanguard will fix it now that you have provided such detailed information. Unfortunately, your circumvention will not work for me as I always close my browser after a Vanguard session, unless I login immediately because I forgot to do/check something. You'...
by EyeDee
Wed Mar 11, 2015 10:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4655

New Vanguard Web Site Navigation

I'm still having problems with the disappearing drop-down menus. Is anyone else? It's making it devilishly difficult to navigate the website. . Ironically, I am having almost the opposite problem. The drop down navigation tour keeps coming back each time I log on, although I have several times sele...
by EyeDee
Wed Mar 11, 2015 6:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 4655

Petition for Jack Bogle's Presidential Medal of Freedom

.
Over 330 new sign ups on March 3, 2015 - maybe things will are starting to take off.
by EyeDee
Tue Mar 03, 2015 7:11 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: SIGN PETITION FOR Jack Bogle's Presidential Medal of Freedom
Replies: 182
Views: 11911

Re: Social Security as a bond?

. Why is it that so many people on this board defend Mr. Bogle's recommendation for 20% or less of international stock, but very few support his recommendation to treat Social Security as a bond? Disclosure, we target for more than 20% in international and do not calculate Social Security as a bond,...
by EyeDee
Sat Feb 14, 2015 11:42 am
 
Forum: Investing - Theory, News & General
Topic: Social Security as a bond?
Replies: 47
Views: 3309

Vanguard brokerage tax forms

. This is one more reason why it seems strange that Vanguard would be pushing to have people switching from mutual fund only accounts to brokerage accounts. It seems like a very good thing to avoid the double accounts of the past where the mutual fund holdings were separate from brokerage accounts b...
by EyeDee
Sat Feb 14, 2015 10:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard brokerage tax forms changed to late Feb. question
Replies: 95
Views: 8029

Vanguard Treasury and Government Funds

. Day9, You are correct. But if you read the prospectuses for Vanguard's bond funds, most only have to match the name for 80% of the fund and at times Vanguard varies the other 20%. I am glad to say that lately Vanguard seems to be sticking closer to the fund names for most of the fund holdings, but...
by EyeDee
Wed Jan 28, 2015 1:58 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's government bond index funds
Replies: 17
Views: 2160

Vanguard Treasury Funds

. Vanguard has currently reduced the GSE in its treasury funds, but since they are active funds they can hold a portion. Please see this old post: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=83295 I prefer to avoid GSE debt (credit risk and undesirable options), so I would not wish to p...
by EyeDee
Wed Jan 28, 2015 11:23 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard's government bond index funds
Replies: 17
Views: 2160

Vanguard U.S. Gov. Obligations 2014 File

. Has anyone else noticed that the US Government Obligations file from Vanguard for 2014 is 1954KB when it has ranged from 33KB to 104KB over the last 10 years? Does anyone have an idea on how to shrink it as we normally keep it a disk location that is occasionally backed up to CD so size is a minor...
by EyeDee
Sun Jan 25, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard U.S. Gov. Obligations 2014 File
Replies: 9
Views: 909

Re: Remind me: why am I holding VG's longer-term TIPS fund?

. Vanguard replaced both the longer TIPS fund and Prime Money Market in the Target Retirement Income fund and near Target Retirement funds with the short TIPS fund. It allowed them to replace two active funds with one index fund, turning the Target Retirement funds into all index funds. . . . Didn't...
by EyeDee
Thu Jan 08, 2015 5:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Remind me: why am I holding VG's longer-term TIPS fund?
Replies: 31
Views: 3514

Re: Vanguard Expenses

. The following are links to articles on Vanguard's web site listing some of the various fund expense changes for the year - some up and some down (most already low). https://personal.vanguard.com/us/insights/article/expense-ratio-changes-122014 https://personal.vanguard.com/us/insights/article/expe...
by EyeDee
Tue Dec 30, 2014 9:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Expenses
Replies: 18
Views: 2252

USO ETF

. Some more of the USO Prospectus that Nisiprius posted that supports Nisiprius point vs Rick's statement. USO seems to be one of those special commodity-based ETFs, which hold 4 percent of ETF assets and regulated by the Commodity Futures Trading Commission (CFTC). "The offering of USO’s share...
by EyeDee
Sat Dec 27, 2014 5:14 pm
 
Forum: Investing - Theory, News & General
Topic: An ETF on a futures contract? Can someone explain this to me
Replies: 41
Views: 2234

Re: Christmas day ACA health insurance stress

.
I might add our notice from the Federal site said we had to pay premium by 12/31/2014, but the bill we got from the insurance company said they had to receive our payment by 01/06/2015.
by EyeDee
Thu Dec 25, 2014 8:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3360

Re: Christmas day ACA health insurance stress

. dodecahedron, No guarantees, but you might be getting the correct information from your HMO about the January billing. See the following article: http://www.usnews.com/news/business/articles/2014/12/16/apnewsbreak-insurers-ease-obamacare-deadline "Normally, premiums for January would be due b...
by EyeDee
Thu Dec 25, 2014 7:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: Christmas day ACA health insurance stress
Replies: 30
Views: 3360

Life Insurance Policy in Estate

. Gamara99, Maybe one of our insurance agent members will chime in, but you might want to check with the insurance company if you can even keep the policy. It might be different because it is already set up and held by the estate, but I believe normally nieces and nephews need an insurable interest ...
by EyeDee
Thu Dec 25, 2014 2:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice re cashing in life insurance policy in estate
Replies: 25
Views: 1346

ACA Automatic Renewal Confirmation Question

. The PDF following "Questions about automatic re-enrollment?": Get answers about billing, plan duplication or cancellation, start dates, and other automatic enrollment topics. found on this page: https://www.healthcare.gov/enrolled-in-similar-plan-with-2014-tax-credit/ says: "The Mar...
by EyeDee
Fri Dec 19, 2014 9:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Automatic Renewal Confirmation Question
Replies: 1
Views: 207

Re: MM expense Ratio

. The banner for our Mutual Funds only account said this evening: "As of 12/19/2014, the expense ratio on your Vanguard Prime Money Market Fund has changed from 0.17% to 0.16%. Find out what causes expense ratios to change" - perhaps it was mistyped for the VBS accounts or was wrong earlie...
by EyeDee
Fri Dec 19, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: MM expense Ratio [Money Market]
Replies: 15
Views: 1832

Splitting up US Stock Market

. I cannot find the reference at the moment, but I believe in one of his books, Mr. Bogle pointed out that the Growth and Value indexes serve this purpose somewhat for the SP500. The Value fund pays higher dividends and would be held in the tax protected accounts and the Growth fund has lower divide...
by EyeDee
Wed Dec 03, 2014 9:50 pm
 
Forum: Investing - Theory, News & General
Topic: Investment product idea: Splitting up Total US Stock
Replies: 20
Views: 2179

Re: ACA - Obamacare Tax Credit Question

. It is resolved at tax time. If you over estimate your income, the ACA subsidy is made up by lowering your taxes owed or providing you with a refund even if you do not owe any taxes. If you under estimate your income, you make up the difference by paying higher taxes when you file. See IRS form 896...
by EyeDee
Tue Dec 02, 2014 9:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA - Obamacare Tax Credit Question
Replies: 1
Views: 404

Re: How to find current US market capitalization?

Morik, Yes, looking at VT or VTWSX (Total World Stock Index Fund Investor Shares) should give you numbers close to world holdings as of last update date, which is currently 10/31/2014 (it is usually updated about the middle of the following month). However, you want to look closer - the U.S. is at a...
by EyeDee
Mon Dec 01, 2014 7:50 pm
 
Forum: Investing - Theory, News & General
Topic: How to find current US market capitalization?
Replies: 1
Views: 321

Re: Equal Weight Portfolio

.
Investorguy,

You might find Chinwisker's multiple asset class portfolio interesting reading:

viewtopic.php?p=206611#p206611
by EyeDee
Wed Nov 26, 2014 9:57 pm
 
Forum: Investing - Theory, News & General
Topic: Equal Weight portfolio
Replies: 19
Views: 2763

Vanguard Personal Performance History: 10 Years

.
There has been at least a couple of previous conversations about it:

viewtopic.php?f=10&t=142656

viewtopic.php?f=10&t=146826
by EyeDee
Sun Nov 23, 2014 12:06 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Performance History: 10 Years
Replies: 13
Views: 2283

Second Lowest Cost Silver Plan For Your Area

Goaties, . Phineas is right. It was easier before November 15. I believe it was approximately the number given in the line: "Without financial help, your silver plan would cost: $x,xxx per month ($xx,xxx per year)" by the Kaiser Calculator at http://kff.org/interactive/subsidy-calculator/ ...
by EyeDee
Fri Nov 21, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: How to find Second Lowest Cost Silver Plan for your area
Replies: 14
Views: 2235

Vanguard Bond Fund Dividends

. Note: Vanguard's Sector Index bond funds, Total International Bond Index Fund, and Vanguard Emerging Markets Government Bond Index Fund Admiral Shares are bond funds that pay monthly dividends where you get the entire month's dividend, instead of a pro-rated dividend like other Vanguard bond funds...
by EyeDee
Thu Nov 13, 2014 7:55 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Capital Gains
Replies: 34
Views: 2832

Re: Vanguard web site changes

. Jsl11, It should be working. I was able to change list this morning and Dutchgirl changed hers. Be sure to select/click "Submit" button on bottom right side after making changes. If still not working, verify that you allow Vanguard to set/change cookies. If that does not work, maybe some...
by EyeDee
Thu Nov 13, 2014 9:50 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7855

Re: Vanguard web site changes

. Dutchgirl, Adding some to what John151 and I pointed out, on Vanguard Home Page: 1. Move your cursor over "Funds, Stocks, & ETFS" tab 2. Select/click on "Vanguard funds" from drop down menu to bring up new page 3. Select/click on "See all online Tools" on right si...
by EyeDee
Thu Nov 13, 2014 12:02 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7855

Re: Vanguard web site changes

. Found it. Now called "See all online tools" - on right side, near bottom of "Vanguard Funds" page which is under "Funds, Stocks, & ETFs" tab. And if anyone else cares, under there one can get to your "My Watch List". Not being on main page any more shoul...
by EyeDee
Wed Nov 12, 2014 10:52 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7855

Re: Vanguard web site changes

. Vanguard has started making the changes - 11/12/2014. Does anyone see how to get to "More Ways to Research Funds" which was/is under "Funds, Stocks & ETFs" without a direct link? I can get to it because I saved a direct link in the past, but I cannot find it today without t...
by EyeDee
Wed Nov 12, 2014 10:35 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7855
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