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Petition for Jack Bogle's Presidential Medal of Freedom

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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: 174
Views: 9924

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: 3178

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: 90
Views: 6221

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: 2062

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: 2062

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: 871

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: 3452

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: 2231

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: 2114

Re: Christmas day ACA health insurance stress

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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: 3298

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: 3298

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: 1301

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: 202

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: 1798

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: 2120

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: 389

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: 314

Re: Equal Weight Portfolio

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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: 2668

Vanguard Personal Performance History: 10 Years

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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: 2233

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: 1344

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: 2800

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: 7790

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: 7790

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: 7790

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: 7790

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: 4007

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: 4007

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: 7790

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: 1235

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: 1258

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: 1258

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: 300
Views: 31064

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: 912

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: 2148

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: 2148

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: 1432

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: 720

Update

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

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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: 10550

Re: Spouse not ready to cut ties with financial advisers

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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: 10550

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

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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: 743

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: 1631

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: 6897

April 2014 Semiannual Report

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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: 2735

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: 5973

Excel Stock Percentage

LadyGeek wrote:^^^ Remember that the OP is using Pseudocode. Excel formulas might be overkill.
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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: 2841

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: 2841

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: 4110

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: 4110

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: 485

Re: where is nisiprius?

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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: 3848
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