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Re: Anyone Switched to Vanguard Account Upgrade?

You’ll no longer be able to receive Vanguard fund distributions by check, by automatic transfer to your bank account, or by automatic reinvestment into another Vanguard fund. If you currently use these services, after the upgrade we’ll move the Vanguard fund distributions to your settlement fund. S...
by ResearchMed
Wed Jul 30, 2014 8:46 am
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2406

Re: Advice on Keeping Inexpensive Long Term Care Policy

$200 a year ? For >$100k in total coverage? Assuming the insurer isn't about to go under, and there's no known huge increase coming up, this sounds like as close to a no-brainer as one could imagine, in insurance. The one thing to check, if it's even possible, is whether the insurer has a history of...
by ResearchMed
Tue Jul 29, 2014 5:45 pm
 
Forum: Personal Consumer Issues
Topic: Advice on Keeping Inexpensive Long Term Care Policy
Replies: 6
Views: 419

Re: Anyone Switched to Vanguard Account Upgrade?

We couldn't get it to work, for DH, who has several accounts, including IRA and 403b (both Employer and Employee contributions, separately). However, it worked right away for my IRA. As far as I can tell, it isn't much more than an "appearance' issue, although "just barely". The "...
by ResearchMed
Tue Jul 29, 2014 5:21 pm
 
Forum: Investing - Theory, News & General
Topic: Anyone Switched to Vanguard Account Upgrade?
Replies: 20
Views: 2406

Re: Fidelity Customer Protection Guarantee

Vanguard always makes things so incredibly hard. If you get full trading authorization at Fidelity, the other person's account shows up on your OWN portfolio page. Very handy! So you can trade the other person's account using your own log-in credentials. You can do this at Vanguard too. No can do, ...
by ResearchMed
Tue Jul 29, 2014 3:55 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

So that bank is letting you move the money (that was supposed to be in a trust) "as though" it is NOT in a trust, because they've lost the paperwork - without asking you for copies of it? Having you file NEW trust docs could end up with something totally different from the original terms,...
by ResearchMed
Tue Jul 29, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

Maybe we should move much more to Fidelity... Do they allow a *REAL* Power of Attorney? RM I'm not sure. I haven't looked into that yet. But I am finding trusts and POAs are full of landmines these days. I was going to sign up for POA at a bank where the account was supposedly in the family trust. ...
by ResearchMed
Tue Jul 29, 2014 2:31 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

Vanguard always makes things so incredibly hard. If you get full trading authorization at Fidelity, the other person's account shows up on your OWN portfolio page. Very handy! So you can trade the other person's account using your own log-in credentials. Yup, as the Staples' ads say, "Ding, di...
by ResearchMed
Tue Jul 29, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

Later, DH gets a letter (yes, a really, paper letter) notifying him that "someone" was accessing his account inappropriately. Given that no one else knows any of the passwords, not even our attorneys or accountant, etc., and nothing was ever "changed" - except by Vanguard! - we ...
by ResearchMed
Tue Jul 29, 2014 1:37 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

Later, DH gets a letter (yes, a really, paper letter) notifying him that "someone" was accessing his account inappropriately. Given that no one else knows any of the passwords, not even our attorneys or accountant, etc., and nothing was ever "changed" - except by Vanguard! - we ...
by ResearchMed
Tue Jul 29, 2014 1:16 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

How would they find out that your spouse had your password unless you told them? Plus, my uneducated guess is that if it went to court, they'd lose. Spouses get to know almost anything. But I emphasize again that this is an uneducated guess. It gets even more weird (as a few of us have discussed el...
by ResearchMed
Tue Jul 29, 2014 12:45 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: Fidelity Customer Protection Guarantee

Never share your user name, password, or other account-related information with anyone. So if you give any of this information to your spouse or children, you lose the protection. Yup, Vanguard's "exclusions" also seem to apply to someone operating with an AUTHORIZATION such a their own A...
by ResearchMed
Tue Jul 29, 2014 12:17 pm
 
Forum: Investing - Theory, News & General
Topic: Fidelity Customer Protection Guarantee
Replies: 20
Views: 1024

Re: How well integrated is a VBS account on the Vanguard pag

It does seem like it would be a little messy, but at least I would get one step closer to having everything viewable on one page. My only other concern is about the quality of vbs...but I assume for as little as I buy stocks or etfs, the various gripes I've read about on this forum would probably n...
by ResearchMed
Mon Jul 28, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well integrated is a VBS account on the Vanguard page?
Replies: 11
Views: 479

Re: How well integrated is a VBS account on the Vanguard pag

When you write there are two mutual fund "accounts", do you mean you have one Vanguard account with two different mutual funds in it? Or is each actually a separate account with different account numbers. Are these both Vanguard mutual funds? What kind of account is this? We've noticed tha...
by ResearchMed
Mon Jul 28, 2014 3:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: How well integrated is a VBS account on the Vanguard page?
Replies: 11
Views: 479

Re: Kitchen Remodel... Or Not?

How "bad" is the current kitchen? Usable, but doesn't make us want to spend time in it. Somewhat unsightly and... dingy. We don't regret a thing EXCEPT that we should have done it almost as soon as we moved in. This is one reason we're attacking this now instead of waiting. Hmmm... your s...
by ResearchMed
Mon Jul 28, 2014 12:14 pm
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2675

Re: Kitchen Remodel... Or Not?

Can I ask why you need to move in 5-10 years? Sure... nothing imminent, but I expect any of the following could cause us to move, and I believe the mostly likely timeframe for any one of these is ballpark 10 years (in order of likelihood): 1) we don't have any family in the area and the fact that f...
by ResearchMed
Mon Jul 28, 2014 11:27 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2675

"Matrix" Class Action Suit (unsolicited fax)

Just received a... fax... about a supposed class action suit filed because faxes had been sent unsolicited ... to our fax number, the same one just used. Is this another scam, so we look online for the form to complete, etc.? The claim is that "Matrix" faxed advertisements in violation of ...
by ResearchMed
Mon Jul 28, 2014 11:18 am
 
Forum: Personal Consumer Issues
Topic: "Matrix" Class Action Suit (unsolicited fax)
Replies: 1
Views: 428

Re: Kitchen Remodel... Or Not?

Who spends the most time in the kitchen? How "bad" is the current kitchen? If there would be a serious improvement in usage (time and especially enjoyment), that is probably a large proportion of hours, if someone is cooking (and cleaning up) for a family. We spent much more than "nec...
by ResearchMed
Mon Jul 28, 2014 9:50 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2675

Re: Kitchen Remodel... Or Not?

We ENJOY this every single day. We never regretted a thing about it. We also never expect to "get it back on resale". This! We have an East Coast 100 yo home also. We renovated/added on a few times. We love the house and it gives us pleasure. In this mostly tasteless environment, the even...
by ResearchMed
Mon Jul 28, 2014 8:40 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2675

Re: Bathroom remodel, cost per square foot

I'm not sure that measuring cost per square foot is the most useful tool. A small apartment-sized bathroom (single sink, toilet, tub/shower combo) will have most of the floor space used by the fixtures, and thus be relatively "expensive" per square foot. A larger bathroom that is still a &...
by ResearchMed
Mon Jul 28, 2014 6:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Bathroom remodel, cost per square foot
Replies: 17
Views: 1448

Re: Kitchen Remodel... Or Not?

We faced this type of issue, in an ~100 year old house (not quite, but almost there), but with the bathrooms. We LOVE this house. It's called the "fairy tale house" or "Hansel & Gretel" house by some, and we've had taxi drivers get out to snap a photo (!?). DH had been lookin...
by ResearchMed
Mon Jul 28, 2014 6:09 am
 
Forum: Personal Consumer Issues
Topic: Kitchen Remodel... Or Not?
Replies: 53
Views: 2675

Re: Vanguard sued for charging too little

What is/was the advantage to having the separate funds "hold" the one company, vs having the one company hold all the funds as subsidiaries? RM Most investment companies are corporations with shareholders. The funds are owned by the fund investors, but the company that manages the funds i...
by ResearchMed
Sun Jul 27, 2014 7:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10495

Re: Vanguard sued for charging too little

What is/was the advantage to having the separate funds "hold" the one company, vs having the one company hold all the funds as subsidiaries? RM Mutual funds cannot be subsidiaries. They must be "mutual". That is, they must be owned by their customers. The Vanguard mutual funds o...
by ResearchMed
Sun Jul 27, 2014 7:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10495

Re: What amount of Earnest Money - New Pulte Home

Where are you located? It may well vary by part of the country. Here on one side of the country, we had to put down a percentage of the accepted offer as earnest money. A couple thousand miles away, it was $10k, no matter what price the home. (Well, maybe for MegaMansion, it would have been differen...
by ResearchMed
Sun Jul 27, 2014 6:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: What amount of Earnest Money - New Pulte Home
Replies: 35
Views: 1823

Re: Vanguard sued for charging too little

What is/was the advantage to having the separate funds "hold" the one company, vs having the one company hold all the funds as subsidiaries?

RM
by ResearchMed
Sun Jul 27, 2014 6:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10495

Re: "Why no one should use brokerage accounts" Really?

Whoa. And I thought I was "up to date", having tried to keep up with the Madoff mess, etc. Does this apply to mutual funds held in, say, a Vanguard BROKERAGE account? Those would be non-Vanguard mutual funds, perhaps Fidelity, or whatever. And what about how now Vanguard is making the dist...
by ResearchMed
Sun Jul 27, 2014 6:24 pm
 
Forum: Investing - Theory, News & General
Topic: "Why no one should use brokerage accounts" Really?
Replies: 10
Views: 1393

Re: Vanguard quietly adds longevity annuities

But it matches my non-expert, top-of-my-head thinking over several years that if we knew there was a reasonable floor (even if eating tuna casserole, which we happen to like, and isn't cat food, at least not the pre-packaged type) The option of delaying S.S. to age 70 should be considered first bef...
by ResearchMed
Sun Jul 27, 2014 3:59 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

I wondered about that, too, especially after coming across some reasonable variable withdrawal strategies that seemed likely to "work" - but no guarantee. The real problem with most annuities is that there is also no guarantee. Especially when this discussion has involved trying to estima...
by ResearchMed
Sun Jul 27, 2014 3:45 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

...I was *really* startled running the Fidelity retirement planner (the one that so far seems to best allow us to account for the "things" WE are likely to need) how very different the expected value was by including the software's choice of annuitizing (or choosing a few percentages of o...
by ResearchMed
Sun Jul 27, 2014 3:39 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

Every time I start looking at annuities, I end up reaching the same conclusion: A bogelhead that has managed to amass a substantial Nest egg can probably do better by investing in a low cost balanced index fund and taking a VPW withdrawal from it. I wondered about that, too, especially after coming...
by ResearchMed
Sun Jul 27, 2014 3:14 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

I'm still confused as to why anyone would buy a deferred annuity. Much better IMO to buy an immediate annuity if and when you need it. The supposed benefit of the deferral (cheaper b/c you might not live long enough to get the benefits) just doesn't translate into a better product in practice. All ...
by ResearchMed
Sun Jul 27, 2014 3:08 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard sued for charging too little

After reading a few different articles, I think I have it figured out. What Vanguard should be doing tax-wise is charging the funds market prices for the services it provides, paying taxes on those profits, and then distributing those profits back to the funds. In fact, it is doing neither. On one ...
by ResearchMed
Sun Jul 27, 2014 12:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10495

Re: Vanguard quietly adds longevity annuities

I wouldn't hold out much hope of inflation indexed annuities that index the initial payout. As nisiprius pointed out, 20 years is a loooong time from the point of view of inflation. How much would you want me to pay you today for an inflation indexed $1000 in 20 years? How good are insurance compan...
by ResearchMed
Sun Jul 27, 2014 9:45 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: best place to buy kitchen appliances

I'd look at a local/regional discount appliance store. Where I live we have Pacific Sales and I've used them in the past with good results. They were quite a bit cheaper than Sears for the Whirlpool washer/dryer and refrigerator we bought a few years ago. I just noticed that they are now partnered ...
by ResearchMed
Sun Jul 27, 2014 8:29 am
 
Forum: Personal Consumer Issues
Topic: best place to buy kitchen appliances
Replies: 15
Views: 1102

Re: Vanguard sued for charging too little

What implications might this have for "non-profit" organizations, who could have operated at profit and paid taxes on that profit? And who would determine what the profit (Vanguard's or a non-profit org) "should" have had, on which they "should" have paid taxes? Inquiri...
by ResearchMed
Sat Jul 26, 2014 10:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 108
Views: 10495

Re: Vanguard quietly adds longevity annuities

I am not sure what your question is. 26 USC 408 is the law on IRAs. (a) Individual retirement account (b) Individual retirement annuity These are both just containers. Usually, when one wants to buy an immediate lifetime annuity with money that is in the account container, one first transfers an am...
by ResearchMed
Sat Jul 26, 2014 11:28 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

I am not sure what your question is. 26 USC 408 is the law on IRAs. (a) Individual retirement account (b) Individual retirement annuity These are both just containers. Usually, when one wants to buy an immediate lifetime annuity with money that is in the account container, one first transfers an am...
by ResearchMed
Sat Jul 26, 2014 10:56 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

With annuities (SPIA or Deferred/Longevity) purchased within a tax-deferred account, does the annual or monthly income NEED to be received outside the tax-deferred account? Or can the income stay within the tax-deferred account? Well, sort of. Almost no one buys an annuity in an IRAccount rather th...
by ResearchMed
Sat Jul 26, 2014 10:43 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: Vanguard quietly adds longevity annuities

With annuities (SPIA or Deferred/Longevity) purchased within a tax-deferred account, does the annual or monthly income NEED to be received outside the tax-deferred account? Or can the income stay within the tax-deferred account? I'm just trying to understand how these work. (As an aside, I'm not qui...
by ResearchMed
Sat Jul 26, 2014 10:23 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard quietly adds longevity annuities
Replies: 76
Views: 5217

Re: SEC Adopts Money Market Fund Reform Rules

Hi RM, Investigating further on Monday sounds like a good plan. In the mean time, Schwab Bank's FDIC-insured savings account pays 0.12%. If you want to use such vehicles, other online banks also offer IRAs, and some pay a lot more. PJW Thanks PJW. This wasn't relevant until now, because we really p...
by ResearchMed
Fri Jul 25, 2014 9:00 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: SEC Adopts Money Market Fund Reform Rules

... Yes, but... Doesn't money from selling any fund (bond or equity) have to go into a money market fund, from which it can then be withdrawn? Or can one have a mutual fund sold and get the proceeds directly, without first having the proceeds land in a money market fund? (This would be in tax-defer...
by ResearchMed
Fri Jul 25, 2014 8:37 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: SEC Adopts Money Market Fund Reform Rules

Money market funds have never been guaranteed. Where a better alternative exists, one should use it. In a 401k/403b plan, a MM fund may still be the least risky alternative. You can use a combination of bond fund and MM fund to adjust fixed-income risk and overall portfolio risk to your preference,...
by ResearchMed
Fri Jul 25, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: SEC Adopts Money Market Fund Reform Rules

Just double checked with Schwab, and the IRA "cash" there is already in an FDIC-insured bank account. Guess we'll roll over some of the Employee-contributed 403b funds to an IRA at Schwab, and keep the emergency cash there, plus some other holdings, and have mostly just the Employer-contri...
by ResearchMed
Fri Jul 25, 2014 7:05 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: SEC Adopts Money Market Fund Reform Rules

For those who didn't read the Vanguard article: The Securities and Exchange Commission (SEC) recently approved rules that will allow money market funds catering to individual investors to maintain a stable $1 share price. <snip> The vast majority of investors in Vanguard money market funds will not...
by ResearchMed
Fri Jul 25, 2014 6:31 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: SEC Adopts Money Market Fund Reform Rules

Finally, clarity in the Morningstar story (bold mine): "Several reports seem to suggest, as does the SEC's press release, that the rules apply only to institutional funds. Not so--the most notable modification, requiring some money funds to float their net asset values rather than fix the pric...
by ResearchMed
Fri Jul 25, 2014 5:51 pm
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: Advice wanted on first computer purchase since 1982!

Hope you enjoy your new equipment! Yes, Geek Squad, as is often the case with customer service, does depend greatly on location, and of course on the specific Geek :wink: We've learned to ask for specific people at the Geek Squad desk at the nearby Best Buy, whether in store or by phone. And when we...
by ResearchMed
Fri Jul 25, 2014 4:50 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 5336

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

Alistair wrote:I may have been referred to as atrophy spouse. Is that similar?


Uh oh... now we need to worry about becoming one of these as we age!? :shock:

Good one!

RM
by ResearchMed
Fri Jul 25, 2014 1:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5066

Re: SEC Adopts Money Market Fund Reform Rules

Here's the link to the Vanguard's article: https://personal.vanguard.com/us/insights/article/money-market-sec-072014 And, FWIW, I still have cash in a MM. Where's better to keep short-term cash reserves? Any online account? For instance CapitalOne360 gives you 0.75% on a checking account, up to 1% ...
by ResearchMed
Fri Jul 25, 2014 10:27 am
 
Forum: Investing - Theory, News & General
Topic: SEC Adopts Money Market Fund Reform Rules
Replies: 52
Views: 2757

Re: Rich Spouse, Poor Spouse [Tax filing apportionment]

Alistair, Are the two of you actually in a real marriage, or is this some sort of business arrangement where each "side" is trying to minimize expenses at the cost of the other paying more? Assuming the former (and truly hope so!), then... ... using something like Mossy's example above, wh...
by ResearchMed
Fri Jul 25, 2014 10:18 am
 
Forum: Personal Finance (Not Investing)
Topic: Rich Spouse, Poor Spouse [Tax filing apportionment]
Replies: 77
Views: 5066

Re: Lawyer Up? Advice Needed

I probably missed it but has the "needle" been properly analyzed for residue? If negative or benign may not be 100% conclusive but could ease OP's mind a bit. Called cdc and health board. They do not test needles as theres not enough volume in the needle to accurately tell what it was use...
by ResearchMed
Thu Jul 24, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Obtaining Legal Counsel?
Replies: 51
Views: 3077

Re: Advice wanted on first computer purchase since 1982!

OP, you sound like a geek to me - Osborne portable , wow !!!! white case or maybe it was brushed metallic as I recall - friend of mine had one back in the 80s , don't remember if it was early 80s - that was an impressive machine back then !!!! My wife and I have been very happy with Lenovo laptops ...
by ResearchMed
Thu Jul 24, 2014 4:47 pm
 
Forum: Personal Consumer Issues
Topic: Advice wanted on first computer purchase since 1982!
Replies: 105
Views: 5336
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