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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 5:19 pm
 
Forum: Investing - Theory, News & General
Topic: Why don't the LifeStrategy funds have Admiral Status??
Replies: 17
Views: 1286

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 2:55 pm
 
Forum: Investing - Theory, News & General
Topic: is a target date fund considered indexed
Replies: 11
Views: 636

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 7:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8918

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
Sun Aug 17, 2014 12:04 am
 
Forum: Investing - Help with Personal Investments
Topic: Spouse not ready to cut ties with financial advisers
Replies: 112
Views: 8918

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 10:01 pm
 
Forum: Investing - Theory, News & General
Topic: Composition Stability of Vanguard IT Bond Index (VBILX)
Replies: 6
Views: 649

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 10:47 am
 
Forum: Investing - Theory, News & General
Topic: Mutual-fund-only accounts more secure, in one way?
Replies: 17
Views: 1489

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 11:59 pm
 
Forum: Investing - Theory, News & General
Topic: Total Market Bond Fund vs Intermediate Term Fund
Replies: 47
Views: 5937

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 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Poll: What's the name of Argentina's stock market?
Replies: 37
Views: 2444

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 10:13 am
 
Forum: Investing - Theory, News & General
Topic: What actions to take in a stock market crash?
Replies: 85
Views: 5568

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 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 19
Views: 1944

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 7:18 pm
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 19
Views: 1944

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 2:57 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3704

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 8:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: How exactly does Vanguard's RMD service work? Rebalancing?
Replies: 44
Views: 3704

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 7:44 pm
 
Forum: Investing - Theory, News & General
Topic: ETF underlying stocks trading
Replies: 6
Views: 446

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 2:32 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3713

Re: USAA Brokerage

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This conversation should provide some more information.

viewtopic.php?f=1&t=141071
by EyeDee
Mon Jun 23, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: USAA Brokerage
Replies: 1
Views: 262

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 11:22 am
 
Forum: Forum Issues and Administration
Topic: Personal Life subforum?
Replies: 97
Views: 5069

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 9:58 pm
 
Forum: Investing - Theory, News & General
Topic: Timing of bond fund dividend payments
Replies: 8
Views: 877

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 7:49 pm
 
Forum: Investing - Theory, News & General
Topic: Bond index fund dividends
Replies: 6
Views: 872

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 9:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid Qualification with a variable income.
Replies: 12
Views: 924

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 3:04 pm
 
Forum: Investing - Theory, News & General
Topic: F.Y.I. Vanguard Bond Fund Distribution
Replies: 0
Views: 306

Risker Mutual Funds

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accbh,

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

viewtopic.php?p=206611#p206611
by EyeDee
Fri Apr 25, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: Higher Risk, Higher Rewards than a Stock Index Fund
Replies: 50
Views: 12085

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 11:29 am
 
Forum: Personal Finance (Not Investing)
Topic: If you have ACA health insurance, what is your experience?
Replies: 222
Views: 16501

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 3:18 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Personal Advisor Services
Replies: 26
Views: 4650

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 9:48 pm
 
Forum: Investing - Theory, News & General
Topic: Asset allocation over time
Replies: 23
Views: 1613

Re: Favorite Investing Book?

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"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 5:11 pm
 
Forum: Investing - Theory, News & General
Topic: Favorite Investing Book?
Replies: 50
Views: 5035

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

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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 11:47 am
 
Forum: Investing - Help with Personal Investments
Topic: My husband is receiving $2.31M for selling his company. What
Replies: 15
Views: 3552

Some other considerations

. SirWired, Remember that one of the advantages of Target Retirement funds is the automatic rebalancing. Also remember the total bond fund within the Target Retirement funds has a 0.12% expense ratio since it is a special "investor" share of an institutional fund "Available only as an...
by EyeDee
Sat Mar 29, 2014 7:31 pm
 
Forum: Investing - Help with Personal Investments
Topic: Make sense to switch from TR to Adm Index?
Replies: 9
Views: 694

Large Cap

. If you truly want a Vanguard index blend fund that is as much large cap as possible, you probably should be looking at Vanguard's Mega Cap fund. Unfortunately, it does not come in Investor or Admiral shares. It is only available in Institutional and ETF. The ETF symbol is MGC. Morningstar lists it...
by EyeDee
Tue Mar 25, 2014 11:50 pm
 
Forum: Investing - Theory, News & General
Topic: Are Vanguard Index Funds pure ??? Not So
Replies: 67
Views: 5083

Re: When the "very best" fail, should you be trying

I see comments blasting seekingalpha on all of larry's recent articles. What is so hard about using a throw away email address? Use something like . . . For the rest of forum members, if you want to read the complete articles, you can open an account , I have never received a single spam email from...
by EyeDee
Fri Mar 21, 2014 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: When the "very best" fail, should you be trying
Replies: 12
Views: 1559

Re: Downloading List of stocks in a fund?

. If you want the actual list of what is in the Vanguard fund you can download its annual report from Vanguard's web site in PDF form. For many of the funds the holdings are listed in the report and for the reports in which the actual holdings are only summarized in the printed version because the l...
by EyeDee
Sat Mar 15, 2014 11:08 am
 
Forum: Investing - Theory, News & General
Topic: Downloading List of stocks in a fund?
Replies: 9
Views: 750

Expense growth in retirement

It's true that for many expenses decline in retirement...then there are those who need round the clock care in their final months/years. You might not want to mow your own lawn, fix your own meals, or drive your own car in later retirement. The elephant in the room is out-of-pocket health-related i...
by EyeDee
Fri Mar 14, 2014 7:41 pm
 
Forum: Investing - Theory, News & General
Topic: Who cares about inflation in retirement?
Replies: 55
Views: 3942

Caller ID & Do-not-call Lists

likegarden wrote:This is only helping people who pick up any phone call. Cold calling does not work when people look at the phone callers ID first and do not pick up phone calls from people they do not know.
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Some of us do not pay for the cost of having caller ID, so do-not-call lists are very helpful.
by EyeDee
Fri Mar 14, 2014 11:22 am
 
Forum: Investing - Theory, News & General
Topic: Edward Jones ignores do-not-call lists
Replies: 20
Views: 1673

Re: Vanguard Minimum Investment Question

. Does anyone know what happens if the fund does not have an Investor share class such as a bond index sector fund? That is news to me. I was under the impression that all Vanguard mutual funds have an Investor share class. However, all Vanguard mutual funds may not have Admiral shares. . I believe...
by EyeDee
Wed Mar 12, 2014 11:26 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1798

Re: Vanguard Minimum Investment Question

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Does anyone know what happens if the fund does not have an Investor share class such as a bond index sector fund?
by EyeDee
Wed Mar 12, 2014 10:03 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Minimum Investment Question
Replies: 23
Views: 1798

Re: pension and social security as "bonds"

Randy, And has he coupled that with his recommendation of an Asset Allocation of "age in bonds"? L. . Leeraar, Yes, along with several other recommendations which generally recommend even more in stocks. Please see my post: http://www.bogleheads.org/forum/viewtopic.php?p=1366462#p1366462 ...
by EyeDee
Fri Feb 28, 2014 12:16 pm
 
Forum: Investing - Theory, News & General
Topic: pension and social security as "bonds"
Replies: 56
Views: 3442

Re: pension and social security as "bonds"

My opinion is that since current bond yields are so low, people are stretching for reasons to increase allocations to stocks. Including our Saint Jack. L. . Actually Mr. Bogle has been advocating looking at Social Security and pensions as bond like for at least 20 years - see Page 268 of his book &...
by EyeDee
Fri Feb 28, 2014 12:52 am
 
Forum: Investing - Theory, News & General
Topic: pension and social security as "bonds"
Replies: 56
Views: 3442

Both Difficult

. Not dealing with Blue Shield but having problems with getting cards from a different insurer. We also had considerable problems with the government site since we signed up using the federal site in October. However, dealing with the insurance company is starting to get as frustrating and definitel...
by EyeDee
Tue Jan 07, 2014 3:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: signing up for ACA was easy but then ....
Replies: 5
Views: 969

Re: Help Choosing a ACA Plan

How do you tell the difference? Does it specify in the plan? . I think the federal site might only give the family total. I spent considerable time reviewing the plans on the insurance sites while stuck at various points on the government site. The plan information on the insurance sites had more d...
by EyeDee
Thu Nov 14, 2013 12:53 am
 
Forum: Personal Finance (Not Investing)
Topic: Help Choosing a ACA Plan
Replies: 51
Views: 2506

Re: Help Choosing a ACA Plan

A lot of people talk about '$6K individ/ $12K family' deductibles when they are talking about families plans on the ACA. I was told by an insurance agent that if you have a family plan, the *family* deductible/OOP max applies even if only one "individual" gets sick/needs care. In other wo...
by EyeDee
Wed Nov 13, 2013 9:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help Choosing a ACA Plan
Replies: 51
Views: 2506

Re: Medicaid and the ACA tax credit

After the fact, I called Colorado's help line to check my reasoning, and the phone rep told me I can't get a credit, even on my tax return, unless I apply for and am denied Medicaid coverage. Is this true? . For the states using the federal site you only have be concerned about Medicaid if your inc...
by EyeDee
Sun Nov 03, 2013 12:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Medicaid and the ACA tax credit
Replies: 23
Views: 1315

ACA Income and Ins Co Verfication Questions

. For the ACA applications done in 2013 for 2014, the healthcare.gov site tries to use the tax return you filed in 2012 to calculate your estimated income for 2014. Does anyone know if the renewals that will be done in October 15 through December 7 of 2014 for 2015 will use your 2013 income tax retu...
by EyeDee
Sat Oct 26, 2013 7:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: ACA Income and Ins Co Verfication Questions
Replies: 2
Views: 308

Family income vs individual income

Randy, Thanks for sharing!!! Your supposition about first-named taxpayer absolutely makes sense to me. Even more so for me, since Social Security probably doesn't even recognize me as a married person (I kept my maiden name). Plus I have almost no work history. (so, no Medicare for me, ever.) Meanw...
by EyeDee
Sun Oct 13, 2013 11:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another ACA question - family income vs individual income
Replies: 51
Views: 2282

Re: Family income vs individual income

. BarefootJan, If I follow your situation correctly, we ran into a very similar problem. It appears to be a computer programming error, where the program does not properly take into account joint income. Since we are both out of work and living off of our savings, we split our income equally across ...
by EyeDee
Sun Oct 13, 2013 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Another ACA question - family income vs individual income
Replies: 51
Views: 2282

Re: Vanguard Joint Account Access

Our joint accounts were linked by VG to our respective user IDs. We can both see everything in the joint, including the statements. Both of us can transact on the joint accounts. . Do you have a Household statement listed for both? We only have it listed on the userid set up for the first name on t...
by EyeDee
Tue Oct 08, 2013 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 432

Re: Vanguard Joint Account Access

go to account maintenance --> account permissions and see if this is what you are trying to do. my spouse and i can each see (and transact on) all of our accounts (individual and joint) except for those that are employer provided (401k, 403b, etc...) I'm not sure I follow you. My wife and I both ha...
by EyeDee
Tue Oct 08, 2013 5:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 432

Vanguard Joint Account Access

. In the past, some people on this board have been very emphatic that one should not share Vanguard account/password information with one's spouse, even if have cross authorization set-up. For those people I have a question: Since household statements access, some printing options, and E-Mail addres...
by EyeDee
Tue Oct 08, 2013 4:53 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Joint Account Access
Replies: 6
Views: 432

Vanguard's 2006 TR Letter

. . . Now, it is obvious that neither Vanguard nor Fidelity promised anything specific , either about what the funds would do (let you retire) or how they would do it (prudently decrease risk with age), and it is also obvious that the change wasn't secret. But in 2006, did Vanguard send every Targe...
by EyeDee
Mon Sep 30, 2013 11:19 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity target date funds pile on stocks
Replies: 65
Views: 4639

Vanguard Prime Money Market Capital Gain

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Am I seeing things or did Vanguard's did Prime Money Market declare a $0.00009 Short Term Capital Gain on 09/20/2013 which reinvested on 09/23/2013?

That seems quite unusual to me.

https://personal.vanguard.com/us/funds/ ... =INT#tab=4
by EyeDee
Tue Sep 24, 2013 7:07 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Capital Gain
Replies: 11
Views: 1938

Vanguard ETF Class

Thanks for the clarification. How about the ETFs that track other indices (Russell or S&P), do those have institutional share classes as well? . Yes. George 'Gus' Sauter Vanguard's former Chief Investment Officer (CIO) believed very strongly in the concept of ETF's being just special class of m...
by EyeDee
Fri Sep 13, 2013 11:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Is Schwab creeping up on Vanguard?
Replies: 20
Views: 3696
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