Search found 1030 matches

by EyeDee
Sat Feb 06, 2016 9:52 pm
Forum: Investing - Theory, News & General
Topic: Vanguard looking for a CFO
Replies: 6
Views: 1120

Re: Vanguard looking for a CFO

. Actually, the article now begins with "Vanguard Group is reviving the post of top chief financial officer ...". They use to have a CFO. For example Ralph K. Packard was the CFO back in 1999 per a internet reference I found http://ww2.cfo.com/1999/10/ralph-k-packard-the-vanguard-group/ an...
by EyeDee
Sat Feb 06, 2016 5:21 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2155

Re: Impact of Obamacare on investment decisions

. Mule, If you want a subsidy you have to do as NauticalRounder said "go to HealthCare.gov (the Federal site) it should refer you any State-run MarketPlace sites, if your state has one of these. If not, HealthCare.gov is the Federal site that will walk you through the process." You can als...
by EyeDee
Sat Feb 06, 2016 2:14 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2155

Re: Impact of Obamacare on investment decisions

. What counts is the current year's income. Since it raises a red flag when it is significantly different from past income, you are likely to be required to provide an explanation of why your 2016 income will be down, but you should check on what you have to do as it could mean a significant subsidy...
by EyeDee
Sat Feb 06, 2016 12:07 pm
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2155

Re: Impact of Obamacare on investment decisions

Protagonist, You probably need to crunch some numbers. And you need to decide what level of income you want - 199% of poverty, 249%, 399% depending upon what level of subsidy you expect. From some of your later comments it appears your income may be too high to matter much, but for some people they ...
by EyeDee
Sat Feb 06, 2016 11:27 am
Forum: Investing - Theory, News & General
Topic: Impact of Obamacare on investment decisions
Replies: 52
Views: 2155

Re: Impact of Obamacare on investment decisions

. Protagonist, It sounds like you have a basic understanding, but do remember that if you have appreciated stocks that you would be selling otherwise for rebalancing reasons, you should use them for income before using Traditional IRA withdrawals for income. Say you would normally sell $10,000 of st...
by EyeDee
Sun Jan 31, 2016 2:50 pm
Forum: Investing - Theory, News & General
Topic: Calculating expense ratio with multiple funds
Replies: 20
Views: 940

Calculating expense ratio with multiple funds

. Vanguard Target Retirement 2020 Fund (VTWNX) ............................................................................ Holding % ..ER%.. Weighted ER% Total Stock Market Index Fund Investor Shares...................... 35.70% ...0.17%..... 0.0607% Total Bond Market II Index Fund Investor Shares*...
by EyeDee
Wed Jan 27, 2016 2:45 pm
Forum: Personal Finance (Not Investing)
Topic: Asking questions of Vanguard
Replies: 10
Views: 864

Re: Asking questions of Vanguard

. Older inquires were answered relatively well, but our last secured message this past summer was answered in a manor that seemed like a very poor AI system which keyed on one word and gave an a very poor answer that appeared to be a canned response that did not address the issue. I hope not, but it...
by EyeDee
Thu Jan 21, 2016 3:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Reopens Treasury money market
Replies: 14
Views: 1774

Treasury Money Market

. However, Treasury Money Market will not be allowed for a sweep account. https://investor.vanguard.com/mutual-funds/money-market-reform/ "If you have a brokerage account, money market reform will affect your settlement fund choice in 2016. Vanguard Federal Money Market Fund will be the only mo...
by EyeDee
Mon Jan 18, 2016 2:56 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

. Christine, Thanks for the response. I think I could handle your method along with most others people have posted on the site for doing RMDs into my 80's based upon family history. But what I am looking for is something simpler for when I and/or my wife might be not quite up to doing as much partic...
by EyeDee
Mon Jan 18, 2016 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

. Ken, This is similar to what I currently had planned, but since I want to hold some stock funds in the IRAs it still would require occasionally needing to move money from the stock funds to the bond funds so could not be put completely on autopilot as we got older, so looking to change back to usi...
by EyeDee
Mon Jan 18, 2016 2:15 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

. Alan, Thank you for your comments. I agree, although I would like to see them do the calculation quarterly which would mean some extra calculations. I can see why VG would not want to re calculate the proportional amounts for those taking RMDs using several distributions during the year. But it se...
by EyeDee
Mon Jan 18, 2016 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

. Fposte, Thank you for your comments. This is an idea I have thought about, but it has too small flaws. One you could loose some tax deferred growth depending upon intervals/timing of withdrawals. The second is that the earliest you can take a RMD service withdrawal is the fifth of January. And if ...
by EyeDee
Mon Jan 18, 2016 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

. JW-Retired, Thanks for the reply. We have considered using Vanguard balanced funds, but they change their holdings or glide path too much for our comfort. Could you make do with just one of the 4 Life Strategy Funds in your IRA, (e.g. VSCGX). Pick the one that most closely matches your permanent A...
by EyeDee
Mon Jan 18, 2016 12:02 pm
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Re: Requesting Help Simplifying RMDs

Livesoft, Thanks for the response, but what I am looking for is a way that I or my wife do not have to do anything ourselves when we get too old to "see what gets taken out" or do any requests or other additional things besides filing the tax forms. We have no children so will be doing thi...
by EyeDee
Mon Jan 18, 2016 11:48 am
Forum: Investing - Help with Personal Investments
Topic: Requesting Help Simplifying RMDs
Replies: 15
Views: 783

Requesting Help Simplifying RMDs

. In trying to set up procedures to simply money management procedures as we get older and might not be able to handle things as easily, the biggest stumbling block continues to be Required Minimum Distributions (RMDs) at Vanguard. I was wondering how others handled simplified RMDs. One possibilitie...
by EyeDee
Sat Jan 09, 2016 11:59 pm
Forum: Investing - Help with Personal Investments
Topic: Should I Switch to Vanguard Federal Money Market?
Replies: 4
Views: 800

Prime to Federal Money Market

. John, We switched from Prime Money Market to Federal Money Market because of the changes coming for Prime Money Market and did not want to have any possible delays in the automatic withdrawals we do from a money market fund. If Treasury Money Market opens up before the changes go into effect in Oc...
by EyeDee
Thu Jan 07, 2016 10:53 am
Forum: Investing - Theory, News & General
Topic: VOO as a % of SP500 index
Replies: 29
Views: 1641

Re: VOO as a % of SP500 index

. I am not sure what you are getting, but if you use Morningstar to plot a fund first to get dividends reinvested, for last 3 years: Vanguard 500 Index Admiral: 14,441.02 VOO: 14,439.17 S&P 500 TR USD: 14,456.26 For last 5 years: Vanguard 500 Index Admiral: 17,350.12 VOO: 17,346.03 S&P 500 T...
by EyeDee
Tue Jan 05, 2016 7:30 pm
Forum: Investing - Theory, News & General
Topic: Does VXUS = VEU + VSS ?
Replies: 20
Views: 6067

Re: Does VXUS = VEU + VSS ?

. Rick, Dollar value. However, you should probably rerun the Morningstar Instant X-Ray's to verify that the numbers are still valid as it has been almost five years. So does purchasing a combination of VEU and VSS equal VXUS? If so what percentage? . I believe it has been indicated on the board that...
by EyeDee
Tue Dec 29, 2015 9:58 pm
Forum: Investing - Theory, News & General
Topic: Reversion to Mean vs Gambler's Fallacy
Replies: 65
Views: 4250

Reversion to Mean

Bhsince87,

Here is an old conversation on Morningstar's Bogleheads forum about Reversion to Mean that you might find interesting:

http://socialize.morningstar.com/NewSoc ... 60519.aspx
by EyeDee
Tue Dec 29, 2015 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard Account Activity Alerts
Replies: 32
Views: 3300

Re: Vanguard Account Activity Alerts

. Silence Dogood, Automatic withdrawals from taxable money market to bank accounts have not been generating activity alerts. Since your automatic item will be an investment it might or because it is Roth purchase it might, but I would guess it probably will not if it is set up to happen automaticall...
by EyeDee
Tue Dec 15, 2015 11:24 am
Forum: Investing - Theory, News & General
Topic: [Vanguard temporarily reports incorrect change in Prime MM expense ratio]
Replies: 45
Views: 3424

Vanguard Expense Ratios

. Iceport, Are you sure about this: . . . By design, the banner notification does not appear when an expense ratio rises; it only appears when there is positive credit to be claimed. I cannot remember a specific case, but I thought it came up when rates went up in the past. Edit: I did find a case o...
by EyeDee
Thu Dec 10, 2015 11:47 pm
Forum: Investing - Theory, News & General
Topic: VGPMX [Vanguard Precious Metals And Mining Fund]
Replies: 27
Views: 3589

Vanguard Precious Metals & Mining Returns

.
Cfs,

Your numbers look like they come from the Vanguard site and as such only the YTD is as of 12/10/15, while the 1 year, 5 year, and 10 year are as of 11/30/15 according to the headings on the Vanguard site.
by EyeDee
Mon Dec 07, 2015 10:59 am
Forum: Investing - Help with Personal Investments
Topic: [Are there any exploitable inefficiencies?]
Replies: 82
Views: 6172

Livesoft and Market Timing

.
Lumberingc,

Why the "haha"? If you spend some time reading livesoft's posts carefully, I think you will find that he means what he posted.

lumberingc wrote:
livesoft wrote:So I am not a diehard. Yes, I do market timing. Yes, I am rich.


haha
by EyeDee
Sun Dec 06, 2015 2:47 pm
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 107827

Fee Tax Lawsuit

. TJ, Why??? Primecap surely makes money on the funds they manage for Vanguard. For the "Management Fees", if there is a need for a difference it should be the difference between Vanguard internally managed funds and Vanguard Primecap NOT the difference between Vanguard Primecap and Primec...
by EyeDee
Sun Dec 06, 2015 11:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard sued for [failing to charge market rates to and then paying taxes on services to its mutual funds]
Replies: 776
Views: 107827

Fee Tax Lawsuit

. It seems to me more and more of the commentary linked, is referencing Vanguards "Management Fees" and not "Annual Fund Operating Expenses" usually referenced on the board as expense ratios. If this tax concern is about the parts of expense ratios ("Annual Fund Operating Ex...
by EyeDee
Sat Nov 21, 2015 8:11 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard wants to consolidate Fund & Brokerage accounts
Replies: 1
Views: 486

Re: Vanguard Upgrade

. Bongleur, Please see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143847 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130133 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137123 https://www.bogle...
by EyeDee
Sat Nov 21, 2015 11:50 am
Forum: Personal Finance (Not Investing)
Topic: Vanguard Upgrade
Replies: 5
Views: 1438

Re: Vanguard Upgrade

. Exoilman, Please see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=143847 https://www.bogleheads.org/forum/viewtopic.php?f=10&t=130133 https://www.bogleheads.org/forum/viewtopic.php?f=1&t=137123 https://www.bogle...
by EyeDee
Fri Nov 20, 2015 7:42 pm
Forum: Investing - Theory, News & General
Topic: Slicing, Dicing, Tilting, Factoring, etc-ing -- my take
Replies: 100
Views: 8042

Portfolio Complications

. Once one sets up the funds in a slice and dice portfolio, why is that more complicated than other financial/tax headaches that one has to deal with as one ages (especially if one is comfortable with some drift by doing only occasional rebalancing as Mr. Bogle sometimes suggests)? In particularly, ...
by EyeDee
Thu Nov 12, 2015 7:35 pm
Forum: Investing - Theory, News & General
Topic: VG preliminary cap gains estimates
Replies: 12
Views: 1073

Target Retirement Funds

. EHEngineer, I am not sure but I would guess it is related to the gains/losses that were involved with the sales this year because of the different starts in the funds (and possibly the related historical changes made in the fund mixes over time). Target Retirement 2015, 2025, 2035, and 2045 were s...
by EyeDee
Sat Nov 07, 2015 9:56 pm
Forum: Investing - Theory, News & General
Topic: Why does 25 bps matter?
Replies: 46
Views: 4126

Fed 25 bps Raises

. Jalbert, At one point I thought it would be 12-13 bp also as I thought they would be going back to 25 bps multiples, but I think recent stories indicated the Fed is planning on staying with ranges so the first increase is likely to be 25 bp to a 25 to 50 bp range. It isn't even 25 bps btw. The cur...
by EyeDee
Sat Nov 07, 2015 12:00 pm
Forum: Investing - Theory, News & General
Topic: Genius of Vanguard's business model
Replies: 27
Views: 3085

Vanguard Start

. Archie Sinclair, A minor correction in your statement, when Bogle was fired the trustees decided to that the mutual organization as the "administrator" for the funds not the "distributor". That was done later. From "John Bogle and the Vanguard Experiment" by Robert Sl...
by EyeDee
Sat Oct 31, 2015 12:57 pm
Forum: Personal Finance (Not Investing)
Topic: ACA coverage for part of household
Replies: 8
Views: 771

Re: ACA coverage for part of household

. Jeffyscott, Thanks for posting this information as we will be in the same situation in a few years. Hopefully, it is just a bug in the simulation tool that you are using and when you actually do the set up at the time that the official program will work correctly. It sounds like you (and us) will ...
by EyeDee
Tue Oct 27, 2015 10:53 pm
Forum: Investing - Theory, News & General
Topic: "Wisdom from John Montgomery"
Replies: 7
Views: 1564

Re: Owning every company fund?

. Taylor, I thought Mr. Bogle said it was so he could say "Fellow Shareholders" when he wrote the Chairman's letter in the reports for each fund. Working at Vanguard at the time, I would think he would have easy access to the company literature on each fund if he wanted it. It left me wond...
by EyeDee
Fri Oct 09, 2015 1:23 pm
Forum: Investing - Theory, News & General
Topic: Equity Glide Paths — Bogleheads versus Target Funds
Replies: 42
Views: 2875

Bogleheads Stock Bond Surveys

. There have been many surveys on Bogleheads' stock/bond allocations by age, some of them are: http://www.bogleheads.org/forum/viewtopic.php?t=68125 http://www.bogleheads.org/forum/viewtopic.php?t=54148 http://www.bogleheads.org/forum/viewtopic.php?t=32694 http://www.bogleheads.org/forum/viewtopic.p...
by EyeDee
Wed Oct 07, 2015 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Annuity Tax Year Question
Replies: 1
Views: 167

Annuity Tax Year Question

.
If I put in a request to start an annuity at the beginning of November but the paper work takes into the next year to get completed and the November and December payments are not made until the next year, to which year's income does the November and December payments apply?

Thanks.
by EyeDee
Fri Sep 18, 2015 8:47 pm
Forum: Personal Finance (Not Investing)
Topic: Am I less protected with chip-and-signature?
Replies: 58
Views: 3933

Chip Usage Error Message

. Nisiprius, According to my wife the machines at our Walmart give an intelligible error message. The new machines have been in place for a while at our Walmart and if you try to swipe a card with a chip, both the customer's display and the cashier's display get a message to use the chip scanner at ...
by EyeDee
Wed Sep 16, 2015 10:43 pm
Forum: Investing - Theory, News & General
Topic: Vanguard updates frequent-trading policy
Replies: 60
Views: 6038

Re: Vanguard updates frequent-trading policy

. Also, I downloaded four prospectuses and they each had supplements that had the new policy at the beginning of the PDF. Hopefully Vanguard will soon have a place to get the message online without having to logon or download a prospectus - one of the things I like most about Vanguard is that usuall...
by EyeDee
Tue Sep 15, 2015 4:19 pm
Forum: Investing - Theory, News & General
Topic: Fed action/inaction
Replies: 33
Views: 2878

Fed Target Rate

. Actually the current rate is approximately 1/8%. The following is from the Fed's last statement at: http://www.federalreserve.gov/newsevents/press/monetary/20150729a.htm "To support continued progress toward maximum employment and price stability, the Committee today reaffirmed its view that ...
by EyeDee
Thu Sep 10, 2015 6:51 pm
Forum: Personal Finance (Not Investing)
Topic: Barclays E-Mail Support - Statement Problems
Replies: 3
Views: 386

Barclays E-Mail Support - Statement Problems

. Does Barclays' E-Mail support actually answer questions or do they always just send a standardized response saying to call with no explanation as to why you need to call like some other companies? The reason I ask is that when trying to access my Barclays statements from Firefox, I get a file not ...
by EyeDee
Sat Sep 05, 2015 6:53 pm
Forum: Investing - Theory, News & General
Topic: Cheap copy of Lange's Retire Secure 3rd Edition
Replies: 71
Views: 9346

Lange's Retire Secure! 3rd Edition Review

. Although I am only half way through, I would highly recommend James Lange's "Retire Secure!" 3rd edition subtitled: "A Guide to Getting the Most Out of What You've Got" to anyone interested in the mechanics of investing including taxes (the 2nd edition was subtitled: "Pay ...
by EyeDee
Fri Sep 04, 2015 6:46 pm
Forum: Investing - Theory, News & General
Topic: All-world ex-US+ EM or Developed + EM
Replies: 6
Views: 779

All-world ex-US share classes, China A shares

. FTSE All-World ex-US Index Fund Admiral (VFWAX) and VEU are just different share classes of the same fund and according to the following link, only Emerging Markets Stock Index Fund (VEIEX/VEMAX/VWO) is expected to add China A shares at the present time. https://institutional.vanguard.com/VGApp/ii...
by EyeDee
Sun Aug 30, 2015 6:52 pm
Forum: Forum Issues and Administration
Topic: [forum running at] Slow speed
Replies: 71
Views: 4874

SQL Error Message

. You probably got something like this as I just got it: General Error SQL ERROR [ postgres ] Errno 2: pg_connect(): Unable to connect to PostgreSQL server: FATAL: sorry, too many clients already at [ROOT]/phpbb/db/driver/postgres.php line 98 [] An sql error occurred while fetching this page. Please...
by EyeDee
Thu Aug 27, 2015 10:11 am
Forum: Investing - Theory, News & General
Topic: Vanguard and China A shares
Replies: 9
Views: 1562

Vanguard and China A shares

. Average Investor, If I remember correctly, in one of the discussions of the changes it was mentioned that the number of China A shares available to foreigners is limited, so Vanguard is not likely to add them to the other funds until the limit is raised at some later date. It may have been this co...
by EyeDee
Wed Aug 26, 2015 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Too good to be true? vgenx or vgpmx
Replies: 44
Views: 9579

VGPMX Low

. Actually, Vanguard's Price History Search for Precious Metals and Mining fund (VGPMX) lists its low as $5.05 on 08/31/1998 (and its high as $40.02 on 05/19/2008). Just bumpin this up as I noticed VGPMX is currently at $6.90. I believe the all time low is $6.21. Those calling "nadir" aren...
by EyeDee
Sun Aug 23, 2015 10:18 am
Forum: Investing - Theory, News & General
Topic: Rebalancing bands revisited, a proposal
Replies: 37
Views: 3485

Re: Rebalancing bands revisited, a proposal

. I must be dense or have not read the paper thoroughly enough, as I am unsure what flaws you are referencing - could you elaborate or at least provide a hit to what you consider to be the flaws? The Daryanani paper on Opportunistic Rebalancing is linked in the wiki if I recall correctly: http://www...
by EyeDee
Wed Aug 19, 2015 6:44 pm
Forum: Investing - Theory, News & General
Topic: Question about Vanguard brokerage accounts
Replies: 3
Views: 593

Vanguard brokerage accounts

.
Concerning Vanguard's brokerage accounts and SIPC, please see Phineas J. Whoopee's and my posts in this recent conversation:

viewtopic.php?f=10&t=169904
by EyeDee
Tue Aug 18, 2015 6:44 pm
Forum: Investing - Theory, News & General
Topic: Should you own foreign stocks?
Replies: 67
Views: 4680

Re: Should you own foreign stocks?

. Browser, I do not believe the following link provides any data concerning Rick's comment about re-balancing currencies, however, I believe Figure 8 on page 12 of the downloadable whitepaper referenced at the link, gives a summary answer to your question of what is the variance in returns attributa...
by EyeDee
Tue Aug 18, 2015 4:22 pm
Forum: Personal Finance (Not Investing)
Topic: How to clone Wellesley
Replies: 16
Views: 2045

Wellesley vs Wellington

.
Nisiprius,

Would you double check your link, I think you got the Strategy and policy for Wellington and not
Wellesley Income?

Thank you.
by EyeDee
Wed Aug 05, 2015 10:08 am
Forum: Investing - Theory, News & General
Topic: Help with monthly bond mutual fund dividend accrual
Replies: 9
Views: 793

Vanguard bond mutual fund dividends

. Livesoft, In addition to the Vanguard Sector Bond funds you listed, other Vanguard bond funds that pay monthly without accrual: Total International Bond Index Fund, Emerging Markets Government Bond Index Fund, and Ultra-Short-Term Bond Fund. Some other discussions: http://www.bogleheads.org/forum/...
by EyeDee
Tue Aug 04, 2015 11:09 pm
Forum: Personal Finance (Not Investing)
Topic: Husband's nursing home costs eating up inheritance and savings.
Replies: 25
Views: 4700

Re: Husband's nursing home costs eating up inheritance and savings.

. Maybe I am miss understanding what I have read, but the way I interpret the following from a "Spousal Impoverishment Protection" summary PDF I downloaded from Indiana's web site a while back, it would not does not matter if you keep an inheritance separate. "Most assets are consider...

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