If you're happy with your asset allocation, you can take 60% from bond holdings and 40% from stock holdings. That way, you'll maintain your existing asset allocation.
If you aren't, this is an opportunity to make an asset allocation change.
Ed
Search found 934 matches
- Fri Jan 29, 2021 3:42 pm
- Forum: Personal Finance (Not Investing)
- Topic: RMD
- Replies: 5
- Views: 443
- Tue Jan 26, 2021 8:26 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard customer survey
- Replies: 21
- Views: 1556
Re: Vanguard customer survey
I haven't received the latest, but I have received them in the past. I completed them honestly and thought Management might listen. From my point of view, I've only seen deterioration in customer service at Vanguard in the last couple of years. So, I'm not sure the time to complete the survey is wor...
- Tue Dec 15, 2020 4:33 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard 2 Factor Not Working?
- Replies: 10
- Views: 653
Re: Vanguard 2 Factor Not Working?
Here's a response I received today about another issue with Vanguard's website and reporting. I've been "working" on this with Vanguard for some time now. ******************************* "Thank you for your email. There is a known issue with the edit feature of the outside investments...
- Tue Dec 15, 2020 4:21 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard 2 Factor Not Working?
- Replies: 10
- Views: 653
Re: Vanguard 2 Factor Not Working?
What I've discovered with the Yubi key and our Vanguard account is that about every six months, I have to delete the Yubi key from their website and then re-install it. After that, it works for another six months. Rinse and repeat. Ed You should not have to do this. I would call and file a website ...
- Tue Dec 15, 2020 4:06 pm
- Forum: Personal Consumer Issues
- Topic: Vanguard 2 Factor Not Working?
- Replies: 10
- Views: 653
Re: Vanguard 2 Factor Not Working?
What I've discovered with the Yubi key and our Vanguard account is that about every six months, I have to delete the Yubi key from their website and then re-install it. After that, it works for another six months.
Rinse and repeat.
Ed
Rinse and repeat.
Ed
- Mon Sep 28, 2020 2:47 pm
- Forum: Personal Finance (Not Investing)
- Topic: How to hire a probate attorney in Virginia
- Replies: 16
- Views: 981
Re: How to hire a probate attorney in Virginia
WHO INHERITS THE PROPERTY OF AN INTESTATE? If a person dies without a will, Virginia law provides a course of descents as follows (after payment of funeral expenses, debts and cost of administration): all to the surviving spouse, unless there are children (or their descendants) of someone other th...
- Sat Aug 29, 2020 9:17 am
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
UPDATE
I finally received official word from Vanguard that the timeframe for keeping check writing privileges open is 3 years, not 180 days.
Ed
I finally received official word from Vanguard that the timeframe for keeping check writing privileges open is 3 years, not 180 days.
Ed
- Mon Aug 24, 2020 4:26 pm
- Forum: Personal Consumer Issues
- Topic: Can any people who shop/deliver for Instacart give me a shoppers-eye view...
- Replies: 17
- Views: 2198
Re: Can any InstaCart shoppers give me a shoppers-eye view...
I used to have an Instacart account, but I deleted it in May, 2020 after my experience with an order from Costco, shopped and delivered by Instacart. The shopper left her shopping receipt in one of my packages, allowing me to see the price she was charged. (All other orders I had placed through Inst...
- Wed Aug 19, 2020 3:11 pm
- Forum: Investing - Theory, News & General
- Topic: Did Vanguard Eliminate Access to Financial Engines?
- Replies: 53
- Views: 8701
Re: Did Vanguard Eliminate Access to Financial Engines?
According to this source, Ric Edleman purchased Financial Engines in 2018. If true, that probably explains why it's missing from Vanguard.
https://www.thinkadvisor.com/2018/07/23 ... te-merger/
Ed
https://www.thinkadvisor.com/2018/07/23 ... te-merger/
Ed
- Mon Aug 03, 2020 8:37 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard "sunsetting" CFP consultations
- Replies: 137
- Views: 11969
Re: Vanguard "sunsetting" CFP consultations
Yes, this is another example of Vanguard leaving me. So sad, but it's been a good run until now.
Ed
Ed
- Thu Jul 30, 2020 12:02 pm
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
I have not had check writing on our money market account for over 20 years. I simply transfer to our bank if needed and write a check form there. Only one check book to track. Keep life simple! I agree in general with this. However, in our case, we're talking about an account for someone else to wr...
- Thu Jul 30, 2020 11:58 am
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
Yes. It's still possible but based on my experience so far, you need to be diligent to make sure it gets done correctly. And, they no longer print not vaild for less than $250 on the checks. Ed Does this mean that the $250 minimum no longer applies? Yes. We processed $5 checks from our other broker...
- Thu Jul 30, 2020 11:55 am
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
I was advised that the check writing privileges on that account had been canceled since there was no activity on the account. I don’t recall receiving notification from Vanguard about that cancelation. In the past few weeks, I have received a couple of e-mails from Vanguard saying that my check-wri...
- Wed Jul 29, 2020 5:19 pm
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
I was under the impression that Vanguard no longer offers checkwriting on an account anymore. Is it still possible to set this up? -TheDDC Yes. It's still possible but based on my experience so far, you need to be diligent to make sure it gets done correctly. And, they no longer print not vaild for...
- Wed Jul 29, 2020 5:07 pm
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Re: Do You Have Check Writing Privileges on your Brokerage Account?—You’d better check again
I suggest you add Vanguard to the title of your thread. Not everyone uses Vanguard around here.
Fixed. Thanks
Fixed. Thanks
- Wed Jul 29, 2020 4:05 pm
- Forum: Personal Investments
- Topic: Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
- Replies: 47
- Views: 4390
Do You Have Check Writing Privileges on your Vanguard Brokerage Account?—You’d better check again
I searched for information on this topic but didn’t find anything more recent than July, 2019 when Vanguard eliminated the Vanguard Advantage Account. Several years ago, we set up a separate brokerage account with Vanguard to cover our eventual funeral costs. We added a relative to the account so th...
- Tue Jul 28, 2020 5:28 pm
- Forum: Personal Consumer Issues
- Topic: Tesla Model 3: Leasing the way to go?
- Replies: 30
- Views: 3340
Re: Tesla Model 3: Leasing the way to go?
The biggest issue is with the battery. Look at the battery warranty very close. Also look and see if Tesla can change the Battery Management System on you and still be compliant with the original warranty, I believe they state they are. That means they can change charging profiles on you and you ca...
- Mon Jun 22, 2020 8:24 pm
- Forum: US Chapters
- Topic: Happy Birthday Mel Lindauer - 6/22/2020
- Replies: 58
- Views: 4436
Re: Happy Birthday Mel Lindauer - 6/22/2020
Mel,
Happy Birthday, my friend!
I hope you have many, many more.
Best wishes to you.
Ed
Happy Birthday, my friend!
I hope you have many, many more.
Best wishes to you.
Ed
- Thu Apr 23, 2020 11:33 am
- Forum: Personal Finance (Not Investing)
- Topic: Medicare Premium Questions
- Replies: 18
- Views: 1405
Re: Medicare Premium Questions
Look at this another way. (2020 Premiums) your monthly cost at the lowest level is $144.60/month. At the highest possible cost, your monthly premium is $491.60/month. If you're filing married jointly, those costs would be double. The annual difference between the lowest and the highest cost is $4,16...
- Wed Mar 25, 2020 1:00 pm
- Forum: Personal Consumer Issues
- Topic: Pay cleaning lady during coronavirus pause?
- Replies: 73
- Views: 6096
Re: Paying housecleaner during COVID shutdown
Full pay for the duration.
Ed
Ed
- Fri Feb 28, 2020 9:43 am
- Forum: Personal Consumer Issues
- Topic: Help with a consumer math question?
- Replies: 11
- Views: 720
Re: Help with a consumer math question?
This is correct.TresBelle65 wrote: ↑Fri Feb 28, 2020 8:01 am
.....I believe this translates into a 25% discount on their services.....
Ed
- Thu Jan 23, 2020 4:12 pm
- Forum: US Chapters
- Topic: Sad news: LadyGeek's husband has passed
- Replies: 352
- Views: 29124
Re: Sad news: LadyGeek's husband has passed
Lady Geek,
Patti and I are so sorry to hear this news. We know that you were there for him and took excellent care of him during his long illness.
Hopefully, you will now take some time for yourself during your grieving period. God bless you.
Ed and Patti
Patti and I are so sorry to hear this news. We know that you were there for him and took excellent care of him during his long illness.
Hopefully, you will now take some time for yourself during your grieving period. God bless you.
Ed and Patti
- Thu Oct 31, 2019 6:26 pm
- Forum: Personal Finance (Not Investing)
- Topic: H&R BLOCK Pre-Order 2019 Software Offer
- Replies: 317
- Views: 29836
Re: HRBLOCK Pre-Order 2019 Software Offer
Your link is for the product that does not include a state return. For those of us who need a state return, purchasing it separately can get expensive. I will be waiting. Last year Block 2018 Deluxe *including* state bundled with Federal was available for under $20 on a Black Friday Amazon deal. Ed...
- Tue Sep 24, 2019 11:06 am
- Forum: Personal Finance (Not Investing)
- Topic: HELOC or reverse mortgage?
- Replies: 22
- Views: 1448
Re: HELOC or reverse mortgage?
I would avoid both and instead focus on building an emergency fund. If you're dead set on one or the other I would do a HELOC if it were for home improvement(s). Otherwise I would not make a large purchase cannot be easily afforded or finance at a low rate. From what I have observed, it becomes ver...
- Tue Sep 24, 2019 8:27 am
- Forum: Personal Finance (Not Investing)
- Topic: HELOC or reverse mortgage?
- Replies: 22
- Views: 1448
Re: HELOC or reverse mortgage?
Heloc's can be reduced or taken away at any time. This happened to many customers during the 2008-09 market gyrations.
Reverse mortgages, once set, cannot be reduced or taken away.
Ed
Reverse mortgages, once set, cannot be reduced or taken away.
Ed
- Thu Jul 18, 2019 9:23 pm
- Forum: Investing - Theory, News & General
- Topic: SERIOUS MONEY book is 20 years old this month
- Replies: 13
- Views: 2068
Re: SERIOUS MONEY book is 20 years old this month
We purchased that book 20 years ago and found it so helpful as we were "finding our way".
I keep it in my library and have loaned it to several folks over the years.
Thank you, Rick.
Ed
I keep it in my library and have loaned it to several folks over the years.
Thank you, Rick.
Ed
- Tue Jun 04, 2019 10:48 am
- Forum: Personal Finance (Not Investing)
- Topic: Relocating to Ft Belvoir, VA
- Replies: 15
- Views: 1727
Re: Relocating to Ft Belvoir, VA
I recommend that you checkout www.militarybyowner.com
Many military folks moving to the DC area use that site for housing.
Ed
Many military folks moving to the DC area use that site for housing.
Ed
- Tue Jun 04, 2019 10:34 am
- Forum: Personal Investments
- Topic: Rent my condo out.
- Replies: 21
- Views: 1680
Re: Rent my condo out.
Be careful here. With a mortgage on the property, you might find that you cannot rent it out without the lender's permission.
Read your mortgage document carefully before you sign a lease with a tenant.
Ed
Read your mortgage document carefully before you sign a lease with a tenant.
Ed
- Fri May 31, 2019 6:31 am
- Forum: Personal Investments
- Topic: Rethinking Individual Stocks
- Replies: 76
- Views: 8625
Re: Rethinking Individual Stocks
Looking at the Medicare premiums in 2019, a married couple at the lowest possible rate will spend $3,252 for coverage in 2019. On the other hand, a married couple at the highest possible rate will spend $11,052 for premiums in 2019. The difference is $7,800 in 2019. To me, you're doing a lot of work...
- Thu May 30, 2019 12:19 pm
- Forum: Personal Finance (Not Investing)
- Topic: A book reccommendation .......please?
- Replies: 6
- Views: 436
Re: A book reccommendation .......please?
Nolo is another source that might give you what you are looking for.
https://store.nolo.com/products/
Ed
https://store.nolo.com/products/
Ed
- Sun May 26, 2019 8:59 am
- Forum: Personal Consumer Issues
- Topic: No more print Money magazine
- Replies: 109
- Views: 17100
Re: No more print Money magazine
I'm sorry to see Money Magazine go. We discovered Bogleheads through Jason Zwieg's September 2001 article "Here Come the Bogleheads". WIthout that article, we may have never known about the Bogleheads.
Ed
Ed
- Tue May 14, 2019 1:59 pm
- Forum: Personal Consumer Issues
- Topic: Driving in Lisbon Portugal?
- Replies: 25
- Views: 1626
Re: Driving in Lisbon Portugal?
We spent a month in Portugal during a 2 month road trip through Spain and Portugal in 2016. We rented a car at the Madrid Airport and returned it there on our way home. All in all, we drove over 3,200 miles and didn't have any problems. We spent five days at the Lisbon Marriott Hotel located near th...
- Fri Apr 19, 2019 12:13 pm
- Forum: Personal Investments
- Topic: Investing in someones YouTube channel?
- Replies: 17
- Views: 1051
Re: Investing in someones YouTube channel?
Could someone explain how that would work if I was to invest say 3-5K in someones Youtube channel just to see how it works out? That sounds like the fastest way to never see your money invested back... Well they have a very good start, and I feel they have only unleashed a fraction of their potenti...
- Sat Apr 06, 2019 2:53 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard versus Fidelity: Multidimensional Comparison
- Replies: 3
- Views: 714
Re: Vanguard versus Fidelity: Multidimensional Comparison
Thanks, Ed, for sharing your research with us.
I always enjoy your publications.
Ed
I always enjoy your publications.
Ed
- Fri Apr 05, 2019 8:45 am
- Forum: Personal Finance (Not Investing)
- Topic: New Car Fund
- Replies: 13
- Views: 1197
Re: New Car Fund
I recommend I Bonds for this purpose. They are safe, never go down in value, offer a competitive rate, and are tax deferred until you cash them. The interest on I Bonds is also exempt from state and local taxes.
You can set up an account at Treasury Direct.gov to purchase and redeem them.
Ed
You can set up an account at Treasury Direct.gov to purchase and redeem them.
Ed
- Tue Mar 19, 2019 2:35 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74683
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
Here's a copy of what we sent to our Flagship representative this morning: ****************************************************************************************** Good Morning XXXX, We are requesting that you submit this feedback to the Vanguard decision makers who decided to eliminate the Vangua...
- Tue Mar 12, 2019 8:45 am
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74683
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
Cash pulled from Vanguard or BOA, initiating the pull at Fidelity: Funds arrived that day and are available for trades at Fidelity, but have a 7 (calendar) day hold before you can withdraw them, use them to pay an ACH debit or have a check clear against them. Cash pushed from Vanguard to the Fideli...
- Thu Mar 07, 2019 12:08 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74683
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
To dkturner: You are right. If you submit paperwork for checkwriting on your brokerage account, Vanguard will close the Advantage Account upon receipt of the application. They will not hold your application until you close the Advantage account. Furthermore, if there are any Advantage Account check...
- Tue Mar 05, 2019 4:39 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74683
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
We regretfully visited a Fidelity Service Center today and opened a Cash Management Account (CMA) to replace our Vanguard Advantage Account. We’ve used the Advantage account for the past 15 years so we’re very disappointed that Vanguard has eliminated this service for its customers. The process at ...
- Tue Mar 05, 2019 3:38 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
- Replies: 645
- Views: 74683
Re: Vanguard is Discontinuing their VanguardAdvantage Accounts
We regretfully visited a Fidelity Service Center today and opened a Cash Management Account (CMA) to replace our Vanguard Advantage Account. We’ve used the Advantage account for the past 15 years so we’re very disappointed that Vanguard has eliminated this service for its customers. The process at F...
- Fri Jan 18, 2019 10:06 am
- Forum: Investing - Theory, News & General
- Topic: Tributes to Jack Bogle
- Replies: 218
- Views: 31968
Re: Tributes to Jack Bogle
Rest in peace, Jack. You've done your job on earth in the most remarkable fashion. As Bogleheads, we can never thank you enough for all you have done to make our lives richer in every way, It's been a true privilege to have you as our mentor and King of Hearts. We will "stay the course" an...
- Thu Nov 29, 2018 1:39 pm
- Forum: Personal Investments
- Topic: Net Worth Question - Current Value or Personal Contribution?
- Replies: 31
- Views: 2312
Re: Net Worth Question - Current Value or Personal Contribution?
In Excel, let's assume that you currently have a portfolio that's valued at $400,000. Here's how to find the answer to your question: In any cell in the spreadsheet, enter the following formula: =FV(5%,30,-400000) The answer you get is: = $1,728,777 This is the amount you'd have in 30 years based on...
- Wed Nov 07, 2018 8:12 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Mobile Check--Still Not Working (UPDATE:--Now Working Again)
- Replies: 4
- Views: 1341
Re: Vanguard Mobile Check--Still Not Working
UPDATE: Mobile Check is now working again! It was a long, long wait and I'm glad it's over. The solution for me was to un-install the Vanguard App on my iPhone, and then re-install it. My Flagship rep contacted the tech support team who recommended that solution. If others are having problems with M...
- Sat Oct 13, 2018 12:05 pm
- Forum: Investing - Theory, News & General
- Topic: Vanguard Mobile Check--Still Not Working (UPDATE:--Now Working Again)
- Replies: 4
- Views: 1341
Vanguard Mobile Check--Still Not Working (UPDATE:--Now Working Again)
Below is a copy of a secure message I just sent my Flagship rep at Vanguard. I'm sorry to report that Mobile Check still does not work for my Vanguard Advantage Account. Today, I attempted three times to deposit a check using the app. The first message I received was that the system couldn't read th...
- Wed Oct 10, 2018 5:53 pm
- Forum: Personal Investments
- Topic: Vanguard not answering their telephone
- Replies: 11
- Views: 1613
Re: Vanguard not answering their telephone
Now, that's funny! Thanks for the laugh.
Ed
- Mon Sep 17, 2018 9:12 am
- Forum: US Chapters
- Topic: Master thread for Washington DC Area Bogleheads
- Replies: 215
- Views: 86914
Re: Master thread for Washington DC Area Bogleheads
Bob is coordinating with the next speaker to set the next date. He'll post it here once it's set.
Ed
- Sun Aug 26, 2018 11:25 am
- Forum: Personal Investments
- Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
- Replies: 38
- Views: 7552
Re: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus mo
Yes. We've been using Vanguard Advantage Accounts for several years. We signed up soon after it was offered through Vanguard.
Highly recommend it. No glitches, no problems, no issues.
Ed
Highly recommend it. No glitches, no problems, no issues.
Ed
- Sun Aug 26, 2018 11:20 am
- Forum: Investing - Theory, News & General
- Topic: Where's the Inflation Hedge for Short-Term TIPS?
- Replies: 79
- Views: 6034
Re: Where's the Inflation Hedge for Short-Term TIPS?
Don't forget that TIPS are designed to protect you from "unexpected" inflation. That hasn't happened yet.
Ed
Ed
- Mon Aug 13, 2018 8:23 am
- Forum: Personal Finance (Not Investing)
- Topic: Private Banking is a trap. Don't do it!
- Replies: 55
- Views: 8528
Re: Private Banking is a trap. Don't do it!
...Does anyone have advice for how to handle this without being rude? A few years ago, I had the same experience with my bank so I agreed to meet their "Private Banking Representative". I told their representative that I would consider moving money to them if they could guarantee I would ...
- Sat Aug 11, 2018 4:06 pm
- Forum: Personal Finance (Not Investing)
- Topic: SS 2019 COLA could be close to 3%
- Replies: 55
- Views: 6601
Re: SS 2019 COLA could be close to 3%
Hmmmm. I wonder what the implications are for someone like me, who is planning to start taking SS benefits this-coming January. Will my initial monthly benefit reflect this COLA increase? Should I start receiving benefits before the end of this year in hope that the increase would apply to me, thus...