Search found 1081 matches

by EyeDee
Thu Nov 17, 2016 2:55 pm
Forum: Personal Finance (Not Investing)
Topic: Where to compare health insurance plans
Replies: 8
Views: 547

Re: Where to compare health insurance plans

. Go to: https://www.healthcare.gov/see-plans/ It allows you to compare plans without creating an account. During non-enrollment times of the year there has been a large button for selecting it on the main page CFM300 linked, but during enrollment it is harder to find. I have it bookmarked so I am n...
by EyeDee
Tue Nov 15, 2016 10:25 am
Forum: Investing - Theory, News & General
Topic: Is USAA, TIAA-CREF, and Dodge and Cox also non-profit???
Replies: 6
Views: 981

Vanguard Ownership

. One minor correction, Vanguard is owned by its U.S. fund investors. Vanguard is not a non-profit. Whatever made you think it was? A confusion between Not-For-Profit and "cooperatively owned" I think. VG is owned by its fund investors. That's fairly unique in the fund management world, I ...
by EyeDee
Sat Nov 12, 2016 11:54 am
Forum: Investing - Theory, News & General
Topic: Portfolio = over 98% of Net Worth (too much invested?)
Replies: 20
Views: 3052

98% at Vanguard?

. You may have this covered already with a non-Vanguard emergency fund you did not mention, but if not you might want to consider having some money in savings bonds, bank CDs, online saving account, and/or possibly another mutual fund company to handle situations where Vanguard access is temporarily...
by EyeDee
Thu Nov 03, 2016 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Healthcare.gov logon
Replies: 4
Views: 230

Re: Help with Healthcare.gov logon

. Thank you to those who replied. Waiting at the wait page did not seem to work. After posting I tried to logon using another browser and got logon prompt, so went back to Internet Explorer browser (which we need to use to avoid popup blocker) and tried logon there again. Logon worked. We were able ...
by EyeDee
Thu Nov 03, 2016 1:23 pm
Forum: Personal Finance (Not Investing)
Topic: Help with Healthcare.gov logon
Replies: 4
Views: 230

Help with Healthcare.gov logon

. Is anyone else having problems getting logged on to Healthcare.gov to get signed up for next year? When it puts you to the screen with: "Health coverage is right around the corner! (en Español) We need you to wait here, so we can make sure you have a good experience on our site. While you wai...
by EyeDee
Mon Oct 17, 2016 2:02 pm
Forum: Personal Consumer Issues
Topic: Snowblower
Replies: 35
Views: 2925

Re: Snowblower

. We got the snow blower from Amazon in 2015 but last winter was the lightest we can remember so barely had enough snow to try it out let alone determine how good it works in heavier snow. But the first minute of this video seems to indicate it can handle much more snow than we got last year. https:...
by EyeDee
Wed Oct 12, 2016 9:42 am
Forum: Investing - Theory, News & General
Topic: any one planning to add precious metal in there portfolio
Replies: 21
Views: 1818

Re: Fixed Income

. Close. Although some people include their emergency money in their fixed income allocation, you are early enough in your investing life that you might want to avoid including your emergency money as part of your fixed income. What I was suggesting was to have 10%-15% in fixed income besides your e...
by EyeDee
Fri Oct 07, 2016 9:44 am
Forum: Investing - Theory, News & General
Topic: any one planning to add precious metal in there portfolio
Replies: 21
Views: 1818

Fixed Income

. Rambojani, Despite your strong cash flow situation you might want to consider keeping 10% to 15% in fixed income until your planned increase at 50 instead of being 100% in stocks until then. You could hold 5% to 10% in online savings account and the remainder in short term bond funds. This would p...
by EyeDee
Sun Oct 02, 2016 10:56 am
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 965

Re: Dividends for fund not own whole month

. Phineas J. Whoopee, Also, Vanguard's newer bond index funds such as Short/Intermediate/Long Government Bond Index and Short/Intermediate/Long Corporate Bond Index funds accrue interest into NAV but pay dividends monthly with a drop in NAV like the ones you list that pay quarterly. (That's why I ad...
by EyeDee
Sat Oct 01, 2016 1:54 pm
Forum: Investing - Theory, News & General
Topic: Dividends for fund not own whole month
Replies: 10
Views: 965

Re: Dividends for fund not own whole month

. Tommy, So applying the information posted by others. If both your bond funds accrued dividends daily and paid monthly, last week when you moved things your old bond fund probably paid the month-to-date/pro-rated income you had accrued on the old fund to that date (buying a little more of the new f...
by EyeDee
Sun Sep 25, 2016 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: ACA Marketplace
Replies: 10
Views: 1256

Re: ACA Marketplace

. Yes, to avoid being shuttled to Medicaid you need to continue to generate some income next year. Supplementing the income you will get during the first quarter by withdrawing from your IRA the remainder of the year is a very appropriate plan. When you review things on the ACA marketplace before si...
by EyeDee
Sat Sep 03, 2016 10:26 am
Forum: Investing - Theory, News & General
Topic: Vanguard "Fund" to "Trust"
Replies: 10
Views: 1505

Re: Vanguard "Fund" to "Trust"

.
The following links to an explanation of a collective trust vs mutual fund by Harry Sit, The Finance Buff, who posts here as TFB:

https://thefinancebuff.com/collective-t ... rence.html
by EyeDee
Fri Sep 02, 2016 4:27 pm
Forum: Personal Consumer Issues
Topic: want to leave comcast but keep my email?
Replies: 17
Views: 1812

Re: want to leave comcast but keep my email?

.
Situation might have changed as of April 2016:

http://forums.xfinity.com/t5/Email-Web- ... -p/2732689
by EyeDee
Sun Aug 28, 2016 10:34 am
Forum: Investing - Theory, News & General
Topic: Goliath, Inc (Vanguard) revenue
Replies: 14
Views: 2104

Vanguard Proxy Voting

. Although it often seems to us that we have little say in Vanguard procedures (I believe you are correct that they can raise their staff and ERs without our say) and might not get the information we feel we deserve (for example I would like to see the top salaries disclosed), Vanguard does occasion...
by EyeDee
Sun Aug 21, 2016 4:00 pm
Forum: Investing - Theory, News & General
Topic: Financial Freedom?
Replies: 13
Views: 1634

Health Insurance for Retiree

. Just be sure that your $400/month continues if you retire. Obviously if it is not through your work it should, however if it is through work it might go up considerably. Many companies that offer health insurance if one retires after reaching age 55, require one to pay much more of the premium alt...
by EyeDee
Fri Aug 12, 2016 1:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review ?
Replies: 23
Views: 2199

Re: Portfolio Review ?

. I would recommend replacing Vanguard Global Minimal Volatility Fund with Total World Stock Index Fund to avoid stock fund manager risk and I would recommend replacing Short Term Investment Grade Fund with Short Term Bond Index Fund to reduce the use of corporates a little and to reduce the manager...
by EyeDee
Wed Aug 10, 2016 8:50 pm
Forum: Investing - Help with Personal Investments
Topic: Why did Vanguard change my sweep account to Federal MM?
Replies: 4
Views: 980

Vanguard sweep account change to Federal MM

.
Casimir,

Please see the following page for more details about the regulatory changes mnvalue mentions:

https://investor.vanguard.com/mutual-fu ... et-reform/

The other accounts are likely to be done soon.
by EyeDee
Sat Jul 30, 2016 11:14 pm
Forum: Personal Finance (Not Investing)
Topic: When does the 5-year clock start on a second Roth?
Replies: 21
Views: 2432

Roth Transfer

. Smartinwate, I might be just misinterpreting your statement, but when you say "a few months later", did you mean two months or did you mean three or more? The reason I ask is that I thought a transfer between Roth accounts had to be completed within 60 days to avoid being disallowed. Sev...
by EyeDee
Fri Jul 22, 2016 9:18 am
Forum: Investing - Theory, News & General
Topic: Vanguard site shows funds not owned?
Replies: 14
Views: 1302

Re: Vanguard site shows funds not owned?

. As pointed out changing the display to not show zero balances only works on the Balances and Holdings" page and other things like drop down menus continue to include the zero balance funds. This makes it easy to go back after thirty days after a tax lost harvest or if you changed your mind, b...
by EyeDee
Sun Jul 17, 2016 6:43 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1289

Re: Bond Drop

. Of course, if one has been reaching for yield by going to longer bonds or high yield, one should be prepared for bigger drops. Taking some time to look at some more bond fund one year rolling period charts on Morningstar shows: -13.45 for Vanguard Long Term Treasury fund for September 2012 to Augu...
by EyeDee
Sun Jul 17, 2016 2:39 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1289

Re: Bond Drop

. Perhaps you or someone else can tell me. I was using a rolling 1 year chart on Morningstar for a bond fund that went back to 1977. I believe that it includes dividends like the growth charts, but I do not know for sure. It could be like their price charts that do not include dividends. Perhaps som...
by EyeDee
Sun Jul 17, 2016 1:58 pm
Forum: Investing - Theory, News & General
Topic: Newpaper HL: Rocky Times In Bond Market
Replies: 21
Views: 1289

Bond Drop

. The worse recent drop I could find with a quick check of charts on Morningstar was a drop of 9.20% for "Barclays US Agg Bond TR USD" benchmark for April 1979 to March 1980. What would you consider devastating performance? Down 100%? Down 50%? Down 10%? Down 5%? Down 1%? And then look at ...
by EyeDee
Sat Jul 09, 2016 10:37 am
Forum: Investing - Theory, News & General
Topic: Dumb Question? Deliberately lowering cost basis
Replies: 11
Views: 1394

401(k) Information

. BeBH65, No, because this is within a 401(k) where cost basis has nothing to do with taxes. Cost basis within a 401(k) is basically for historical information which one might use to analyze ones investments but not for tax loss harvesting. Is this a situation where one could/would apply tax_loss_ha...
by EyeDee
Tue Jul 05, 2016 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard balanced index fund
Replies: 11
Views: 1296

Re: Vanguard Balanced Index Fund

. By investing directly in the stocks (60% in U.S. total stock market) and bonds (40% U.S. total taxable investment grade bonds) the fund can offer multiple share classes including investor, admiral, and institutional. Funds of funds that invest in other funds cannot offer other share classes. If it...
by EyeDee
Wed Jun 22, 2016 10:17 am
Forum: Investing - Theory, News & General
Topic: John Bogle and the Vanguard Experiment
Replies: 1
Views: 383

John Bogle and the Vanguard Experiment

. "John Bogle and the Vanguard Experiment: One Man's Quest to Transform the Mutual Fund Industry" by Robert Slater seldom gets mentioned on the forum, so I thought I would start a conversation to mentioning it as it is now available on Amazon for reasonable prices. I would highly recommend...
by EyeDee
Wed Jun 22, 2016 9:54 am
Forum: Investing - Theory, News & General
Topic: Jack Bogle interview
Replies: 5
Views: 751

John ("Jack") Bogle

. His writings and formal documents usually use his given name of John C. Bogle, while conversations and less formal documents use his preferred nickname of Jack. Obviously, Frontline was using both. In PBS Frontline The Retirement Gamble the narrator kept saying "Jack Bogle", then they'd ...
by EyeDee
Tue Jun 21, 2016 8:51 pm
Forum: Investing - Help with Personal Investments
Topic: What to do after a goof leaves $10k sitting in settlement fund
Replies: 9
Views: 1074

Large Cap Alternatives

.
One could also put the money in the Large Cap Index Fund (or possibly the Total Stock Market Index Fund) for a month and get results very similar to the 500 Index Fund. And with $10K you even can get the lower costs of an Admiral fund.
by EyeDee
Fri Jun 17, 2016 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage - Newly Eligible to Upgrade
Replies: 19
Views: 2699

Vanguard Account Conversion

. I think you are right there is little advantage in converting for the mutual fund only Vanguard account holders. There have been several conversations about the conversion and several posts that it will not be forced if you do not want it. In fact, some people cannot have brokerage accounts at Van...
by EyeDee
Fri Jun 17, 2016 4:26 pm
Forum: Forum Issues and Administration
Topic: Proposed Rule: Names: Avoiding Confusion
Replies: 13
Views: 1766

Bill Bernstein Was wbern in the Past

.
Because of confusion in the past, wbern's id was changed/renamed to Bill Bernstein so more people knew that it was the author William Bernstein.

But old quoted posts keep the wbern reference.
by EyeDee
Wed Jun 08, 2016 10:19 am
Forum: Investing - Theory, News & General
Topic: "Find out if your [Vanguard] fund is declaring a quarterly dividend in June."
Replies: 17
Views: 3208

Vanguard Dividends

. I believe you are right about the ex-dividend date being 2 business days after the declaration date for ETF shares, but I thought the ex-dividend date was 1 business day after the declaration date for investor and admiral shares at least for non-brokerage accounts. Note that the link gives the &qu...
by EyeDee
Wed May 25, 2016 10:56 pm
Forum: Investing - Theory, News & General
Topic: Why is Vanguard Raising Select Mutual Fund Fees
Replies: 5
Views: 1379

Health Care Fund Assets

.
According to the January 31, 2016 Annual Report for Health Care Fund the total Net Assets for the investor shares (VGHCX) went down $744 million from $11,660 million to $10,916 million, while the admiral shares went up.
by EyeDee
Sun May 01, 2016 8:45 pm
Forum: Personal Finance (Not Investing)
Topic: Vanguard IRA distribution - state tax withholding error
Replies: 6
Views: 724

Vanguard IRA distribution - state tax withholding

.
I believe that Vanguard will withhold a higher percentages than you specify if your state requires them to withhold a minimum percentage, even if your state allows you to request no withholding. Perhaps your state is one that requires a minimum.
by EyeDee
Tue Apr 26, 2016 9:58 am
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund Country Diversification
Replies: 7
Views: 949

Re: Vanguard Precious Metals and Mining Fund Country Diversification

.
Thanks again to Claimui and Valuethinker for your answers.

It does look like Canada might represent a slightly larger part of the category vs a few years ago, but that the fund managers appear to be making a bet on Canada vs Australia and the U.S. and/or a bet on gold vs other metals/mining.
by EyeDee
Mon Apr 25, 2016 6:41 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Precious Metals and Mining Fund Country Diversification
Replies: 7
Views: 949

Vanguard Precious Metals and Mining Fund Country Diversification

. According to Vanguard's web site as of 03/31/2016 Vanguard Precious Metals and Mining Fund (VGPMX) is 1.9% Australia and 62.8% Canada. The January 2013 Annual report had it at 30.9% Australia and 24.8% Canada and the January 2014 Annual Report had Australia at 13.7% or 13.1% and Canada at 34.8% or...
by EyeDee
Sun Apr 17, 2016 1:13 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1990

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Although it requires you to temporarily have extra money and need to be sure you do buys before sells (as the minute you sell a fund you cannot buy it online for 30 days), I still think it should work nicely to move X dollars from money market fund to total stock market fund then X dollars from to...
by EyeDee
Sat Apr 16, 2016 7:31 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1990

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Triceratop, To avoid any frequent trading rules about going to and from the same fund over and over, a better way for your case than my suggestion above might be to move X dollars from money market to fund A, then X dollars from fund A to fund B, then X dollars from fund B to fund C, and then X do...
by EyeDee
Sat Apr 16, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Tax Gain Harvesting with Vanguard Mutual Funds
Replies: 24
Views: 1990

Re: Tax Gain Harvesting with Vanguard Mutual Funds

. Triceratop, I am not sure whether Vanguard's system will prevent you from transfering from Admiral to Investor shares. One alternative might be to go to a money market then to the investor shares. Another alternative might be to exchange X dollars from a money market fund into the Admiral shares o...
by EyeDee
Fri Apr 15, 2016 4:04 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Lures More Funds Than All U.S. Rivals Combined
Replies: 12
Views: 1417

Low Fees

. It it also interesting that the second place BlackRock also received more money than all the others combined except Vanguard (Blackrock's $15 billion would be over 30% based upon the article saying Vanguard's $29 billion was 59%), since I believe much of their offerings are ETFs with expenses belo...
by EyeDee
Mon Apr 04, 2016 8:55 am
Forum: Investing - Theory, News & General
Topic: Where is it? [Vanguard GNMA fund distribution]
Replies: 23
Views: 2056

Re: Where is it? [Vanguard GNMA fund distribution]

. Probably because the announcement is Estimated supplemental distributions and at the low levels a little change can make a big difference in percentage or maybe just because of some policy when making estimates. Perhaps a dumb question but since "<.01" and ".003" both are 4 cha...
by EyeDee
Sun Apr 03, 2016 8:56 pm
Forum: Investing - Theory, News & General
Topic: How many basis points matter to you?
Replies: 36
Views: 2735

Basis Point Differences

. You might want to look at the page linked below on Vanguard's site. It has a bar chart that allows you to see the effects of varying expense ratios from 0.00% to 3.00%. Although it appears to sometimes jumps by two basis points instead of one, it still gives many possible choices. Slide your curso...
by EyeDee
Sun Apr 03, 2016 6:42 pm
Forum: Investing - Theory, News & General
Topic: Where is it? [Vanguard GNMA fund distribution]
Replies: 23
Views: 2056

Vanguard GNMA fund distribution

. I really think the only error Vanguard made here is they put the wrong date in the announcement for the GNMA distribution. They put <$0.01 and 0.003 is less than 0.01. They have used < for less than in the past for other distributions. For example it is used for several bond fund distributions nea...
by EyeDee
Sat Apr 02, 2016 8:51 pm
Forum: Investing - Theory, News & General
Topic: Excellent but expensive investing books
Replies: 33
Views: 3115

Re: Excellent but expensive investing books

.
Roger Gibson's Asset Allocation: Balancing Financial Risk

Larry Swedroe mentions Fabozzi's bond book here:

viewtopic.php?p=452811#p452811
by EyeDee
Thu Mar 31, 2016 6:41 pm
Forum: Personal Finance (Not Investing)
Topic: Please explain "pocket-change prepayments" on a mortgage
Replies: 47
Views: 4924

Mortgage "Pocket-Change Prepayments"

. I do not consider $250 pocket change either nor do I even consider $10 pocket change, but some people might consider $10 pocket change and back in the 1980's the principal-only portion of the next month's payment on our 30 year mortgage was around $10 during the early months of our mortgage. Payin...
by EyeDee
Thu Mar 17, 2016 4:19 pm
Forum: Investing - Theory, News & General
Topic: Admiral Shares vs Investor Shares?
Replies: 32
Views: 26345

Fund of Funds Fees

. Alex_686, Could your provide a reference for your statement that other fund companies use the institutional class for their retail target funds? For example, for Fidelity's Target Retirement funds, the only institutional fund I found referenced was the Institutional Money Market Portfolio Institut...
by EyeDee
Fri Mar 04, 2016 4:03 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 79
Views: 8745

Re: What is PP?

. I tried googling pp and the closest thing I got was another site discussing pp in the context of rebalancing. After expressing frustration, my wife also tried googling. Unfortunately, neither one of us thought to in include the percent obviously. After your first response listing percentage point,...
by EyeDee
Thu Mar 03, 2016 8:01 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 79
Views: 8745

Re: What is PP?

.
Kevin,

Thank you. Yes it makes sense as I understood what you meant from the context, I was just curious what the pp stood for.

Kevin M wrote:Percentage point.

Make sense?

Kevin
by EyeDee
Thu Mar 03, 2016 5:12 pm
Forum: Investing - Theory, News & General
Topic: The Swedroe 5/25 rebalancing bands restated
Replies: 79
Views: 8745

What is PP?

. Kevin, What does the pp stand for? I believe I follow from the context what is generally meant. What I am asking is what does the abbreviation represents. I am guessing one of the p's is percent or percentage, but what does the other p stand for or what do the both stand for if one of them is not ...
by EyeDee
Tue Mar 01, 2016 11:57 am
Forum: Investing - Theory, News & General
Topic: Bogleheads' Rule of Thumb - Stocks vs Bonds
Replies: 103
Views: 12250

Re: Bogleheads' Rule of Thumb - Stocks vs Bonds

. neomutiny06, The following surveys give a feel for the pulse of Bogleheads' Stock Bond Ratio: 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....
by EyeDee
Sat Feb 20, 2016 7:48 pm
Forum: Investing - Theory, News & General
Topic: "restricted and purged" aka my VG Brokerage experience
Replies: 56
Views: 8361

Brokerage conversion

. It may not be a pleasant choice, but one should still have a choice. Vanguard is required to get your permission to convert you to a brokerage, so you can always say no. Of course, they could start requiring use of brokerage for some feature that you want. However, it seems like it will be a long ...
by EyeDee
Mon Feb 08, 2016 9:50 pm
Forum: Investing - Help with Personal Investments
Topic: [REVISED] Losing money to change asset allocation?
Replies: 14
Views: 1249

Tax Loss

. Kosomoto, You might want to consider selling a fourth to a third (to maybe half) of VXF Extended market holding (depending upon your anxiety level) and putting it in VTI Total Market at the moment to harvest some Tax Losses - see numerous other conversations about Tax Loss Harvesting (which I see ...

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