Search found 159 matches

by John151
Tue Jun 02, 2015 4:29 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Prime Money Market
Replies: 12
Views: 1997

Vanguard Prime Money Market

The SEC yield on Vanguard's Prime Money Market Fund has risen from 0.01% to 0.02%. I'm trying to decide what to do with the extra income!
by John151
Fri May 01, 2015 4:05 pm
Forum: Investing - Theory, News & General
Topic: What do you consider "cash"
Replies: 32
Views: 2513

Re: What do you consider "cash"

Maximum liquidity. If I have to sell something, it is not cash. What do you think happens when you "cash" a check. Hint, they don't go to your box and take out your money. you exchange a bank obligation for currency. When you write a check, or cash a check, I'd say that you're withdrawing...
by John151
Fri May 01, 2015 2:54 pm
Forum: Investing - Theory, News & General
Topic: What do you consider "cash"
Replies: 32
Views: 2513

Re: What do you consider "cash"

To me, an asset that you have to "cash in" before you can spend it isn't "cash." But I don't see any harm in thinking of CDs as cash, as long as your bank will let you withdraw your money on short notice, and with only a modest penalty for early withdrawal.
by John151
Mon Apr 27, 2015 9:01 pm
Forum: Investing - Theory, News & General
Topic: Who's holding cash?
Replies: 86
Views: 6804

Re: Who's holding cash?

Different people have different definitions of "cash." For me, "cash" means a checking account, a savings account, or a money market fund. Some people count bank CD's and I Bonds as cash, but to me they seem more like bonds. I currently have only about one percent of my investmen...
by John151
Mon Mar 30, 2015 8:30 pm
Forum: Investing - Theory, News & General
Topic: Did you learn anything from 2008?
Replies: 105
Views: 9554

Re: Did you learn anything from 2008?

I learned that I could stomach a stock market meltdown, and I learned that I could handle buying stocks even as they plunged. I also learned that I don't want to do that again.
by John151
Sat Mar 21, 2015 4:30 pm
Forum: Investing - Help with Personal Investments
Topic: Rising Interest Rates and Vanguard's Prime Money Market
Replies: 3
Views: 742

Rising Interest Rates and Vanguard's Prime Money Market

How far would short-term interest rates have to rise before Vanguard's Prime Money Market starts paying a dividend of one percent? Would a one percent rise in short-term rates get us there? Or would interest rates have to go higher than that?
by John151
Wed Mar 11, 2015 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web navigation!!!

GoldenFinch wrote:
John151 wrote:I'm still having problems with the disappearing drop-down menus. Is anyone else? It's making it devilishly difficult to navigate the website.


Yes, this happened to me before and continues. I thought maybe it was because I use an iPad?


I'm using an iMac running Mac OS 10.7.5 and Firefox 36.0.1.
by John151
Wed Mar 11, 2015 4:39 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web 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.
by John151
Sun Mar 08, 2015 6:34 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web navigation!!!

You may be right about Vanguard's paternalism, Angst. Vanguard's new website makes little sense otherwise. It was so much easier when they provided links up front, and when the Watch List was at the bottom of the home page.
by John151
Sun Mar 08, 2015 4:26 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web navigation!!!

I've found a workaround: I've made separate bookmarks for Vanguard's home page, Vanguard's list of funds, my Watch List, and my account balances. This works, but it really shouldn't be necessary.
by John151
Sun Mar 08, 2015 3:40 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web navigation!!!

Getting to my Watch List is tricky, too.
by John151
Sun Mar 08, 2015 2:32 pm
Forum: Personal Finance (Not Investing)
Topic: I hate the new Vanguard Web navigation!!!
Replies: 47
Views: 5097

Re: I hate the new Vanguard Web navigation!!!

I have the same problem with the "drop down" menus. I'm using Mac OS 10.7.5 and the latest versions of Firefox and Safari.
by John151
Thu Feb 26, 2015 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Changing Passwords with 2factor authentication
Replies: 16
Views: 2256

Re: Changing Passwords with 2factor authentication

I've had 2FA set up on my Google account for a while now and I just set it up for my Vanguard account. Google gave me the choice of voice or text. I chose voice and have it go to my home phone as my cell service pretty much goes away when the leaves appear on the trees. I hope that Vanguard will al...
by John151
Wed Feb 04, 2015 4:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4813

Re: Vanguard survey: what should they do differently?

Here's another vote for having one's "Watch List" on Vanguard's home page. That's where it was for many years, and I don't understand why Vanguard decided several months ago to hide it away.
by John151
Wed Feb 04, 2015 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard survey: what should they do differently?
Replies: 72
Views: 4813

Re: Vanguard survey: what should they do differently?

I'd like Vanguard to drop its partnership with TurboTax and form a partnership with a different tax software company, such as H&R Block or TaxAct. TurboTax charges more than its competitors charge, and its pricing policies are confusing and at times deceptive.
by John151
Mon Feb 02, 2015 2:07 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I've received an intriguing private message from another poster: "I just efiled a return from Deluxe desktop that included Schedule D. I didn't upgrade anything. I just said, what the heck, I wonder what will happen if I try? And it worked. No need for a free upgrade and no need to wait until n...
by John151
Sun Feb 01, 2015 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: POLL: How Will You Complete Your 2014 Taxes?
Replies: 69
Views: 5322

Re: POLL: How Will You Complete Your 2014 Taxes?

wow... It's amazing 40% of people here are using TT... I guess a company can do watever it wants to "customers" (multiple times) with little blow-back. Thanks to Vanguard's discounts, I can still file my taxes with TurboTax for less than I'd pay for H&R Block or TaxAct. If this ever c...
by John151
Sat Jan 31, 2015 2:23 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5506

Re: Vanguard and Turbo Tax

TurboTax's discounts for Vanguard clients can be confusing. If you're a Flagship client, TurboTax Deluxe (desktop download version) and TurboTax Premier (desktop download version) will charge you $19.99 to efile a state return. But if you use TurboTax Deluxe (online version), state efiling is free, ...
by John151
Thu Jan 29, 2015 8:46 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I think the release states full functionality will be restored next year I think it's a matter of semantics: "TurboTax spokesman Julie Miller said that beginning in early February, returning Deluxe desktop customers who need to upgrade (to either Premier or Home & Business) to finish their...
by John151
Thu Jan 29, 2015 8:33 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

Capitalism works! After suffering a barrage of complaints about eliminating support for Schedules C, D, E, and F in TurboTax Deluxe, Intuit has announced that for returning customers it will restore full functionality for those schedules, beginning in February, and that returning customers who've pa...
by John151
Mon Jan 26, 2015 3:32 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard and Turbo Tax
Replies: 38
Views: 5506

Re: Vanguard and Turbo Tax

Trying to access TurboTax through Vanguard can be frustrating, and TurboTax's murky pricing policy doesn't exactly inspire trust. I hope Vanguard will reconsider its partnership with TurboTax and move to a different company next year.
by John151
Mon Jan 26, 2015 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1441

Re: Can't access Turbotax Online from Vanguard site

Filing my taxes with H&R Block would cost me a bit more than filing with TurboTax via Vanguard, but I'm thinking of making the switch as a matter of principle. TurboTax's murky pricing policy doesn't inspire trust, and the company's recent apology to its customers is a case of too little, too la...
by John151
Sun Jan 25, 2015 1:00 pm
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1441

Re: Can't access Turbotax Online from Vanguard site

Vanguard's link to TurboTax is still down. Anyone know what the problem is?
by John151
Sat Jan 24, 2015 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Can't access Turbotax Online from Vanguard site
Replies: 18
Views: 1441

Re: Can't access Turbotax Online from Vanguard site

I'm using Firefox, and I have the same problem.
by John151
Tue Jan 13, 2015 8:32 pm
Forum: Personal Finance (Not Investing)
Topic: Reporter doing story on Turbo Tax Fracas
Replies: 52
Views: 7476

Re: Reporter doing story on Turbo Tax Fracas

I'd love to see Vanguard in 2016 dump its relationship with TurboTax and switch its alliance to a more transparent provider of tax software. Vanguard, with its unique ownership structure, is an ally of investors with interests aligned with investors. Intuit TurboTax, like most of the financial-serv...
by John151
Sat Jan 10, 2015 12:17 am
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I think it boils down to this: "Which tax software product meets my needs at a competitive price?" If it's TurboTax, go for it. If it isn't, go for something else.
by John151
Mon Jan 05, 2015 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Filing My Taxes With Free File Fillable Forms?
Replies: 8
Views: 1056

Filing My Taxes With Free File Fillable Forms?

Have you ever efiled your federal income taxes using the IRS' Free File Fillable Forms? From what I can tell from their website, it mostly involves filling in the blanks in the appropriate forms, with the IRS doing most of the math. Has that been your experience? How does it compare in ease of use t...
by John151
Mon Jan 05, 2015 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

It's great that Flagship customers can download TurboTax Premier for free, but it looks like they'll have to pay $19.99 to efile a state return. They may be able to avoid that cost by printing their state return and sending it to the state through the mail. Or, depending on their state, they may be ...
by John151
Sun Dec 14, 2014 1:26 pm
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 93
Views: 10038

Re: Most/Least Boglehead 2014 Activity?

Most Bogleheadish: I harvested a tax loss on a bond fund and invested the proceeds in a fund that was similar but not substantially identical. Least Bogleheadish: My stocks have drifted above my target level, but I decided not to rebalance. My reason: I don't like paying capital gains taxes, even if...
by John151
Fri Dec 12, 2014 2:44 pm
Forum: Investing - Theory, News & General
Topic: TIPS Mutual Funds
Replies: 42
Views: 3192

Re: TIPS Mutual Funds

I have about twenty percent of my bond allocation in a TIPS fund. I have an additional thirty percent in I-Bonds, so about half of my bond allocation is in Treasury securities indexed to inflation. I'm comfortable with that, and I don't plan to make any changes in it.
by John151
Thu Dec 11, 2014 6:07 pm
Forum: Investing - Theory, News & General
Topic: Is it worth purchasing Ibonds on the verge retirement?
Replies: 25
Views: 2693

Re: Is it worth purchasing Ibonds on the verge retirement?

TomatoTomahto wrote:
pascalwager wrote:I'm 72 and still buying I Bonds. Were it possible, I Bonds would be my only bond investment.

+1

I really wish they weren't limited to a small allocation. You'd think that eventually they would inflation adjust the $10k limit :)


I agree!
by John151
Thu Dec 11, 2014 3:38 pm
Forum: Investing - Theory, News & General
Topic: Is it worth purchasing Ibonds on the verge retirement?
Replies: 25
Views: 2693

Re: Is it worth purchasing Ibonds on the verge retirement?

I'm still buying I-Bonds, and I've been retired for over twelve years. I-Bonds are a good place to stash cash that you won't need for at least a year, and they're very competitive with other fixed income investments.
by John151
Thu Dec 11, 2014 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: From Tax-Managed International to Developed Markets Index
Replies: 4
Views: 360

Re: From Tax-Managed International to Developed Markets Inde

livesoft wrote: Thank goodness the fund is down for the year, so that one can tax-loss harvest before the dividend is paid and get ZERO non-qualified dividends for those shares. I can't harvest a tax loss, because my shares, bought several years ago, have all appreciated. I don't know whether to be...
by John151
Thu Dec 11, 2014 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: From Tax-Managed International to Developed Markets Index
Replies: 4
Views: 360

From Tax-Managed International to Developed Markets Index

Earlier this year, Vanguard merged its Tax-Managed International Fund into its Developed Markets Index Fund. Virtually all of the dividends on Tax-Managed International were qualified, but Vanguard estimates that only 77% of the dividends on Developed Markets will be qualified this year. Vanguard me...
by John151
Tue Dec 09, 2014 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I'm wondering the same thing. Does anyone have a copy of last year's prices? It would be interesting to see how they compare to this year's.
by John151
Mon Dec 08, 2014 3:59 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 16295

Re: Vanguard Turbo Tax prices anounced

Leesbro63 wrote: I am a Flagship client who must file Schedule D. Which version do I need? As I understand it, you can use TurboTax Deluxe to prepare Schedule D, but only if you're willing to print a paper copy of your return and send it through the mail. If you want to e-file, you'll have to use T...
by John151
Sat Dec 06, 2014 1:58 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Turbo Tax prices anounced
Replies: 92
Views: 16295

Re: Vanguard Turbo Tax prices anounced

If you use the online version of TaxAct, you can e-file your federal return for free. If you want to e-file your state return as well, the charge is $17.99. I've used TurboTax for many years, but its prices are no longer competitive.

https://www.taxact.com/index.asp?sc=140 ... d=41141771
by John151
Tue Dec 02, 2014 4:25 pm
Forum: Personal Finance (Not Investing)
Topic: [Poll] What's Your Tax Prep Strategy?
Replies: 70
Views: 5493

Re: [Poll] What's Your Tax Prep Strategy?

I've used TurboTax for many years because the discounted prices I've received from Vanguard have been less than what I would have paid if I had used TaxAct or H&R Block. If that changes, I'll probably switch to TaxAct.
by John151
Tue Dec 02, 2014 3:37 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2602

Re: Will Vanguard ever offer a passbook savings account?

Sorry, I should have said an "online" savings account, like the ones offered by online banks.
by John151
Tue Dec 02, 2014 3:10 pm
Forum: Investing - Help with Personal Investments
Topic: Will Vanguard ever offer a passbook savings account?
Replies: 36
Views: 2602

Will Vanguard ever offer a passbook savings account?

Do you think Vanguard will ever offer a passbook savings account? Or would that run afoul of federal and state regulations?
by John151
Fri Nov 21, 2014 8:53 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 20082

Re: Vanguard offers login security code

Many thanks, Ken and tfb. I'll check this out.
by John151
Fri Nov 21, 2014 8:05 pm
Forum: Personal Consumer Issues
Topic: Vanguard offers login security code
Replies: 124
Views: 20082

Re: Vanguard offers login security code

I wish that Vanguard would accommodate those of us who don't have cell phones or Google Voice by sending security codes to us via email. Granted, it wouldn't be as secure as two-factor authentication, but it would be more secure than having no security codes at all.
by John151
Sun Nov 16, 2014 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: TurboTax '14 Deluxe (Desktop) Excludes Schedule D
Replies: 223
Views: 32567

Re: TurboTax '14 Deluxe (Desktop) Excludes Schedule D

I wonder if Vanguard could negotiate a better deal with TaxAct than it has with TurboTax. TaxAct is currently offering federal e-filing for free. If you want to e-file a state return as well, the charge is $17.99.
by John151
Thu Nov 13, 2014 2:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7958

Re: Vanguard web site changes

Jeff, you could try this: Make a note of the entries you want in your list. Then delete your current list completely, and start a brand new list with the entries you've noted. That's what I did, and it worked for me.
by John151
Wed Nov 12, 2014 11:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7958

Re: Vanguard web site changes

It takes awhile to find it. Here's what worked for me:

Vanguard Home Page>Funds, Stocks & ETFS>Vanguard funds>See all online tools>My Watch List.

Once you bookmark it, you can go to it directly.
by John151
Wed Nov 12, 2014 1:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7958

Re: Vanguard web site changes

No word as yet on whether single-use security codes will be available via email for those of us who don't have cell phones.
by John151
Tue Nov 04, 2014 6:22 pm
Forum: Personal Finance (Not Investing)
Topic: Condominium Board of Trustees
Replies: 7
Views: 1137

Re: Condominium Board of Trustees

I insisted that my association's insurance policy provide liability coverage for board members before I would agree to join the board. You should probably do the same.
by John151
Tue Nov 04, 2014 5:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard web site changes
Replies: 51
Views: 7958

Re: Vanguard web site changes

I phoned Vanguard to ask if the single-use security code could be sent to my computer's email address, since I don't own a cell phone. The Vanguard rep said that this was the first he'd heard about this new security feature, and that he'd ask around and return my call when he knew more.

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