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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: 186

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: 1488

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: 16
Views: 1508

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: 372

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: 293

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: 2525

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: 2111

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: 9
Views: 959

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: 2698

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: 7294

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: 7294

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: 7294

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: 7294

Re: Mr Bogle - P/E Coments

. I should probably add: Mr. Bogle might have said that future earnings at 20x might be a warning sign of high valuations as I do not remember that. What I remember was him corrected what he was saying about where we are currently. I also remember him saying that although valuations were getting up ...
by EyeDee
Tue Nov 11, 2014 9:34 am
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3717

Mr Bogle - P/E Coments

. JoMoney, I could be mistaken as this is from memory as I watched this interview live. But I believe Mr. Bogle corrected himself to say that he should have said trailing earnings were 20x and that future earnings were in the range you point out. I can not remember the exact number he gave but I am ...
by EyeDee
Mon Nov 10, 2014 11:56 pm
 
Forum: Investing - Theory, News & General
Topic: Mr Bogle - 20x p/e warning
Replies: 22
Views: 3717

Vanguard web site changes

. A new short article about upcoming changes to Vanguard web site: https://personal.vanguard.com/us/insights/article/homepage-112014 I hope I am wrong, but unfortunately it sounds like you will have to log on to see any Watch List (currently you only have to log on for extra ones). One of the greate...
by EyeDee
Tue Nov 04, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7294

Re: Dividend payout

. Note: for Vanguard's Sector Index bond funds, Total International Bond Index Fund, and Vanguard Emerging Markets Government Bond Index Fund Admiral Shares that pay monthly dividends you will get the entire month's dividend. See: http://www.bogleheads.org/forum/viewtopic.php?f=10&t=138983 If it...
by EyeDee
Mon Nov 03, 2014 7:39 pm
 
Forum: Investing - Theory, News & General
Topic: Dividend payout
Replies: 13
Views: 1185

Re: Question - Vanguard's New Brokerage Account Numbers

. Toto238, Thank you for your detailed answer. Although I read things differently originally, after rereading the Vanguard provide information using the insight you provided, I see where I it could be interpreted differently. Although I still think their wording implies my interpretation, I will tak...
by EyeDee
Fri Oct 10, 2014 6:28 pm
 
Forum: Investing - Theory, News & General
Topic: Question - Vanguard's New Brokerage Account Numbers
Replies: 7
Views: 1129

Question - Vanguard's New Brokerage Account Numbers

. Vanguard's new Brokerage account structure documentation says that you only have one account number and that agent authorizations have to be redone. To me that implies each spouse has one account number. Which brings up the question of how a joint taxable account is handled. Today the joint taxabl...
by EyeDee
Fri Oct 10, 2014 1:42 pm
 
Forum: Investing - Theory, News & General
Topic: Question - Vanguard's New Brokerage Account Numbers
Replies: 7
Views: 1129

Vanguard converting mutual fund accounts to brokerage?

. Although I hope it does not happen, I would be willing to pay $20 a year to avoid a brokerage account. I probably would be willing to pay $20 for each of the five accounts we have at Vanguard. That fact that it was to be done this by the first quarter 2014 and is now expected to be done by the end...
by EyeDee
Mon Oct 06, 2014 8:43 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 252
Views: 16831

Vanguard Bond Fund Dividends

. It depends upon the Vanguard bond fund. For many years Vanguard funds that pay monthly dividends, normally accrued daily and paid out monthly. Their prospectuses describe it as: "income dividends are declared daily and distributed monthly". Vanguard's TIPS funds like VIPSX and VTIPX refl...
by EyeDee
Tue Sep 30, 2014 10:50 pm
 
Forum: Investing - Theory, News & General
Topic: Very basic bond question
Replies: 7
Views: 892

Re: Risks associated with investing in Vanguard funds

EyeDee I think I am in the same situation as you are. . . . What worked for you? Thanks! . Sorry, I did not mean to imply I was in the situation. I was simply trying to give some advice based upon what I had read on this site and my general understanding of Vanguard procedures. Sorry for the confus...
by EyeDee
Sat Sep 27, 2014 11:00 am
 
Forum: Investing - Theory, News & General
Topic: Risks associated with investing in Vanguard funds
Replies: 11
Views: 2132

Re: Risks associated with investing in Vanguard funds

. As pointed out in the Wiki article pointed to by Paul having most of assets at Vanguard is fairly safe. However, be aware that problems can come up with accessing your Vanguard account (such as Vanguard locking your account because they believe someone is trying to hack into it), which can take we...
by EyeDee
Sat Sep 20, 2014 8:47 pm
 
Forum: Investing - Theory, News & General
Topic: Risks associated with investing in Vanguard funds
Replies: 11
Views: 2132

Re: Why don't the LifeStrategy funds have Admiral Status??

I believe that a Fund of Funds like the LifeStrategy and target retirement funds are prohibited by the SEC from having multiple share classes. I'm having a hard time finding a reference for that, however. . Here is a post that gives some support. http://www.bogleheads.org/forum/viewtopic.php?p=1146...
by EyeDee
Thu Sep 11, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1393

Vanguard Target Date "Indexed" Funds

. . . On the other hand, the Vanguard target funds only contain index funds, at least up until the time they add in the TIPS fund. So I'd call them index funds myself. . A while back Vanguard switched from the active TIPS fund to Short-Term Inflation-Protected Securities Index Fund, so Vanguard's T...
by EyeDee
Fri Aug 29, 2014 1:55 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 710

Update

loves2read wrote:Would love to have an update at to what happened at your meeting...

.
She gave an update on her meeting in the next to last post on page 2 of this conversation:

viewtopic.php?p=2165188#p2165188
by EyeDee
Sun Aug 24, 2014 6:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9912

Re: Spouse not ready to cut ties with financial advisers

.
Show your spouse the chart in this Vanguard blog post and remind him that the combined AUM fee and expense ratios means he needs to look at the 2% and 3% columns.

http://vanguardblog.com/2011/10/28/stop ... f-returns/
by EyeDee
Sat Aug 16, 2014 11:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 9912

Re: Composition Stability of Vanguard IT Bond Index (VBILX)

.
There is a small amount of history at the end of this post.

viewtopic.php?p=2153573#p2153573
by EyeDee
Fri Aug 15, 2014 9:01 pm
 
Forum: Investing - Theory, News & General
Topic: Composition Stability of Vanguard IT Bond Index (VBILX)
Replies: 6
Views: 699

Re: Mutual-fund-only accounts more secure, in one way?

. . . This suggests to me that if all you need is mutual funds, it might be just as well not to have an account that provides stock-trading capability. In particular, if one has been living happily with a Vanguard account without Vanguard Brokerage Services, maybe one shouldn't be in a hurry to add...
by EyeDee
Wed Aug 13, 2014 9:47 am
 
Forum: Investing - Theory, News & General
Topic: Mutual-fund-only accounts more secure, in one way?
Replies: 17
Views: 1608

Re: Total Market Bond Fund vs Intermediate Term Fund

. . . I just like Intermediate Term Index Fund's fixed allocation better than the changing index that the Total Bond Fund follows. . I like the fund better but I believe it follows a changing index. I do not check it all the time but I believe I have at least at one point in the last 8 years seen i...
by EyeDee
Tue Aug 12, 2014 10:59 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 6540

April 2014 Semiannual Report

.
If you download the PDF version of the April 2014 Semiannual Report, at the end it gives the details and you will find:
Argentina (0.0%)
Siderar SAIC Class A 390 ---
by EyeDee
Sat Aug 09, 2014 4:21 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What's the name of Argentina's stock market?
Replies: 37
Views: 2629

Re: What actions to take in a stock market crash?

. As a couple of posters have posted the number we believe Livesoft wanted you to give is $125K. However, I would like to suggest the right number might be $100,000. As some have pointed out in a downturn some people have a Plan B. For some people Plan B is to sell what is left in stocks when they g...
by EyeDee
Tue Aug 05, 2014 9:13 am
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5903

Excel Stock Percentage

LadyGeek wrote:^^^ Remember that the OP is using Pseudocode. Excel formulas might be overkill.
.
Sorry for the confusion, my post was not for the OP but for dratkinson who was talking about Excel implementations or so I thought.
by EyeDee
Sat Aug 02, 2014 6:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2810

Excel Stock Percentage

. . . Haven't yet figured out how to implement an age glide path to increment stock/bond allocation; so for now that remains a manual process of tweaking my Target AA sheet. But as I'm thinking I may want to be permanently 40/60 in retirement, there is no real need for a glide path feature. . . . ....
by EyeDee
Sat Aug 02, 2014 6:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2810

Re: Vanguard's Proportional RMD service

. . . I was hoping that the proportions were calculated perhaps on the day prior to the distribution. That looks like wishful thinking. It looks like one needs to remember this situation and handle it if necessary. There must be complexities I don't understand because it would seem simple enough to...
by EyeDee
Sat Jul 19, 2014 1:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3938

Vanguard's Proportional RMD service

. . . My choice was proportional which I think means that the exact dollar amounts are calculated on the date of the RMD and are determined by the proportion of each fund relative to the total account value. The advantage of this choice is that you could add or delete a fund during the year and the...
by EyeDee
Fri Jul 18, 2014 7:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3938

Re: ETF underlying stocks trading

Now that I have stated my understanding... Let's say an ETF tracks very tightly the SP500 and the SP500 committee decided to replace a corporation from the index with another. What does that mean for the ETF that I currently own? Does this mean that the fund manager will sell the underlying portion...
by EyeDee
Sun Jun 29, 2014 6:44 pm
 
Forum: Investing - Theory, News & General
Topic: ETF underlying stocks trading
Replies: 6
Views: 481

Re: where is nisiprius?

.
If you look at one of his posts and look at his userid and stats to the right you will see that he recently changed his location to say: "Currently traveling, postings will be short and sporadic".
by EyeDee
Sat Jun 28, 2014 1:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3796

Re: USAA Brokerage

.
This conversation should provide some more information.

viewtopic.php?f=1&t=141071
by EyeDee
Mon Jun 23, 2014 6:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Brokerage
Replies: 1
Views: 275

Re: Personal Life subforum?

I have no objection to someone posting a question about a personal topic on the existing forums. . However, that is the problem Alex is researching here. "Posting a question about a personal topic on the existing forums" is generally against the rules on the existing forums. He is asking ...
by EyeDee
Thu Jun 19, 2014 10:22 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 6910

Bond fund dividend payments

. It depends upon the Vanguard bond fund. As pointed out already Vanguard's older funds that pay monthly dividends, normally accrued daily and paid out monthly. Their prospectuses describe it as: "income dividends are declared daily and distributed monthly". As pointed out already Vanguard...
by EyeDee
Sun Jun 01, 2014 8:58 pm
 
Forum: Investing - Theory, News & General
Topic: Timing of bond fund dividend payments
Replies: 8
Views: 969

Re: Bond index fund dividends

I think it depends on the fund. . . . . It definitely depends upon the Vanguard bond fund. For many years Vanguard funds that pay monthly dividends, normally accrued daily and paid out monthly. Their prospectuses describe it as: "income dividends are declared daily and distributed monthly"...
by EyeDee
Thu May 22, 2014 6:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bond index fund dividends
Replies: 6
Views: 897

Re: Medicaid Qualification with a variable income.

138% FPL for one person = $1,342/month gross, before taxes. If you make $1,343 you are not eligible for Medicaid. It is too late to sign up for Marketplace health insurance, but not for Medicaid. . Why? I thought a change in ones situation allowed one to sign up outside of the open enrollment perio...
by EyeDee
Sun May 11, 2014 8:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid Qualification with a variable income.
Replies: 12
Views: 1027

F.Y.I. Vanguard Bond Fund Distribution

. For years myself and others have pointed out that Vanguard funds that pay monthly dividends, normally accrue daily and pay out monthly. Their prospectuses describe it as: "income dividends are declared daily and distributed monthly". Vanguard's TIPS funds like VIPSX and VTIPX would refle...
by EyeDee
Sat May 10, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: F.Y.I. Vanguard Bond Fund Distribution
Replies: 0
Views: 323

Risker Mutual Funds

.
accbh,

You might consider using a portfolio similar to chinwisker's:

viewtopic.php?p=206611#p206611
by EyeDee
Fri Apr 25, 2014 6:57 pm
 
Forum: Investing - Theory, News & General
Topic: Higher Risk, Higher Rewards than a Stock Index Fund
Replies: 50
Views: 12212

ACA health insurance experience

I lost two of my three physicians, including primary care physician, because they don't accept the marketplace plans. . Our primary care physician will not be covered under our new Exchange health insurance because his physicians group did not get signed up for either of the large local plans until...
by EyeDee
Wed Apr 23, 2014 10:29 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 16940

Re: Vanguard Personal Advisor Services

TFB (see post above) has tried and written about this service on his blog: http://thefinancebuff.com/vanguard-financial-plan-review-consultation.html . Are you sure? I thought what The Finance Buff was covering in that link was Vanguard's Financial Plan Service. Personal Advisor Services involves V...
by EyeDee
Sat Apr 19, 2014 2:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4874

Re: Asset allocation over time

Target date funds shift the AA by 5% every 5 years, so that's what I do :) . It has been a few years since I spent considerable time studying Vanguard's shifting of Target Date funds, but at that time they did the shifting a little all the time not just every 5 years. The different funds are 5 year...
by EyeDee
Thu Apr 17, 2014 8:48 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1627

Re: Favorite Investing Book?

.
"Bogle on Mutual Funds: New Perspectives for the Intelligent Investor" by John C. Bogle is far and away my favorite investing book.
by EyeDee
Tue Apr 08, 2014 4:11 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5349

Re: My husband is receiving $2.31M for selling his company.

.
Congratulations! Yes to maxing out your 401k's if they have reasonable options and costs, otherwise you may only want to invest enough to get maximum match. See this conversation on how to post some additional details:

viewtopic.php?f=1&t=6212
by EyeDee
Sun Mar 30, 2014 10:47 am
 
Forum: Investing - Help with Personal Investments
Topic: My husband is receiving $2.31M for selling his company. What
Replies: 15
Views: 3578
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