Search found 913 matches

by Rager1
Thu Jan 23, 2020 4:12 pm
Forum: US Chapters
Topic: Sad news: LadyGeek's husband has passed
Replies: 352
Views: 23161

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
by Rager1
Thu Oct 31, 2019 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: H&R BLOCK Pre-Order 2019 Software Offer
Replies: 315
Views: 27090

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...
by Rager1
Tue Sep 24, 2019 11:06 am
Forum: Personal Finance (Not Investing)
Topic: HELOC or reverse mortgage?
Replies: 22
Views: 1390

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...
by Rager1
Tue Sep 24, 2019 8:27 am
Forum: Personal Finance (Not Investing)
Topic: HELOC or reverse mortgage?
Replies: 22
Views: 1390

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
by Rager1
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: 1946

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
by Rager1
Tue Jun 04, 2019 10:48 am
Forum: Personal Finance (Not Investing)
Topic: Relocating to Ft Belvoir, VA
Replies: 15
Views: 1514

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
by Rager1
Tue Jun 04, 2019 10:34 am
Forum: Personal Investments
Topic: Rent my condo out.
Replies: 21
Views: 1578

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
by Rager1
Fri May 31, 2019 6:31 am
Forum: Personal Investments
Topic: Rethinking Individual Stocks
Replies: 76
Views: 8227

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...
by Rager1
Thu May 30, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: A book reccommendation .......please?
Replies: 6
Views: 421

Re: A book reccommendation .......please?

Nolo is another source that might give you what you are looking for.

https://store.nolo.com/products/

Ed
by Rager1
Sun May 26, 2019 8:59 am
Forum: Personal Consumer Issues
Topic: No more print Money magazine
Replies: 109
Views: 16446

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
by Rager1
Tue May 14, 2019 1:59 pm
Forum: Personal Consumer Issues
Topic: Driving in Lisbon Portugal?
Replies: 25
Views: 1542

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...
by Rager1
Fri Apr 19, 2019 12:13 pm
Forum: Personal Investments
Topic: Investing in someones YouTube channel?
Replies: 17
Views: 986

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...
by Rager1
Sat Apr 06, 2019 2:53 pm
Forum: Investing - Theory, News & General
Topic: Vanguard versus Fidelity: Multidimensional Comparison
Replies: 3
Views: 680

Re: Vanguard versus Fidelity: Multidimensional Comparison

Thanks, Ed, for sharing your research with us.

I always enjoy your publications.

Ed
by Rager1
Fri Apr 05, 2019 8:45 am
Forum: Personal Finance (Not Investing)
Topic: New Car Fund
Replies: 13
Views: 1013

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
by Rager1
Tue Mar 19, 2019 2:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 67311

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...
by Rager1
Tue Mar 12, 2019 8:45 am
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 67311

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...
by Rager1
Thu Mar 07, 2019 12:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 67311

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...
by Rager1
Tue Mar 05, 2019 4:39 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 67311

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 ...
by Rager1
Tue Mar 05, 2019 3:38 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 67311

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...
by Rager1
Fri Jan 18, 2019 10:06 am
Forum: Investing - Theory, News & General
Topic: Tributes to Jack Bogle
Replies: 206
Views: 28494

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" and will nev...
by Rager1
Thu Nov 29, 2018 1:39 pm
Forum: Personal Investments
Topic: Net Worth Question - Current Value or Personal Contribution?
Replies: 31
Views: 2261

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...
by Rager1
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: 760

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...
by Rager1
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: 760

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...
by Rager1
Wed Oct 10, 2018 5:53 pm
Forum: Personal Investments
Topic: Vanguard not answering their telephone
Replies: 11
Views: 1577

Re: Vanguard not answering their telephone

whodidntante wrote:
Wed Oct 10, 2018 5:48 pm
They are testing a new 0% ER customer service.

Now, that's funny! Thanks for the laugh.

Ed
by Rager1
Mon Sep 17, 2018 9:12 am
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 206
Views: 80418

Re: Master thread for Washington DC Area Bogleheads

Lindyhopper wrote:
Mon Sep 17, 2018 7:00 am
Was a date set for the next meeting?
Bob is coordinating with the next speaker to set the next date. He'll post it here once it's set.

Ed
by Rager1
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: 7197

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
by Rager1
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: 5654

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
by Rager1
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: 8162

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 be able to...
by Rager1
Sat Aug 11, 2018 4:06 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6509

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...
by Rager1
Sat Aug 11, 2018 12:46 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 134
Views: 12075

Re: New layout of vanguard.com

I don't see any changes in our accounts. Everything looks the same.

Ed
by Rager1
Tue Jul 31, 2018 9:11 pm
Forum: Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3598

Re: Park more than $250,000 in cash

frankmorris wrote:
Tue Jul 31, 2018 8:39 pm
Max out Ally high-yield savings account at $250,000 (FDIC limit) - current yield @ 1.85%
I'd come in under the max $250,000 limit to make sure you have enough room for the interest to be applied and still be under the max limit.

Ed
by Rager1
Sat Jul 14, 2018 12:10 pm
Forum: Investing - Theory, News & General
Topic: Change in Flagship Rep Service ?
Replies: 21
Views: 2631

Re: Change in Flagship Rep Service ?

Tom,

It could be that your Flagship Rep has been promoted or resigned and you haven't yet been assigned a new one.

I'd call Vanguard and ask the question. It's happened to us before.

Ed
by Rager1
Tue Jul 10, 2018 6:16 pm
Forum: Personal Investments
Topic: Calculating past returns in private real estate fund
Replies: 6
Views: 541

Re: Calculating past returns in private real estate fund

Here's a link to the performance history of Vanguard's REIT Index Fund (VGSIX):

https://investor.vanguard.com/mutual-fu ... ve-returns

Ed
by Rager1
Sun Jun 24, 2018 5:52 pm
Forum: Personal Investments
Topic: Hitting your number---Now What?
Replies: 19
Views: 3305

Re: Hitting your number---Now What?

Once one saves all their lives, does all the right things ,and finally has enough money to retire----now what do due with that money to protect from losses and give you a very safe return (sleep well)----as little as it may be. Love to here from fellow Bogleheads on this topic. Harry Markowitz, the...
by Rager1
Sat Jun 23, 2018 9:18 am
Forum: Investing - Theory, News & General
Topic: Why won't Vanguard drop VTI & VOO expense to 0.03?
Replies: 65
Views: 8989

Re: Why won't Vanguard drop VTI & VOO expense to 0.03?

They don't have to drop it because they are giving you better return from securities lending which costs a little bit of money. :twisted: So would you rather have an expense ratio of 0.03% and no extra return, or an expense ratio of 0.04% and 0.1% extra return? What is the best way to see the boost...
by Rager1
Mon Jun 18, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: Vanguard email about transition fund accounts to new brokerage platform
Replies: 37
Views: 4564

Re: Vanguard email about transition fund accounts to new brokerage platform

We switched to the new platform early on. The only complaint we have is the Mobile Check function in the Vanguard App doesn't work on the new platform. We've been promised for over a year now that this feature is coming back. However, it's not there...although Vanguard still advertises this feature ...
by Rager1
Fri Apr 20, 2018 1:37 pm
Forum: Investing - Theory, News & General
Topic: Upper Tax Bracket Folks...where to park cash?
Replies: 11
Views: 2732

Re: Upper Tax Bracket Folks...where to park cash?

Vanguard's Prime Money Market Fund's current SEC yield is 1.79%, compound yield is 1.80%. Source: https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT&funds_disable_redirect=true Ed This reads like a recommendation. Why do you recommend this given the tax-equivalent yield of V...
by Rager1
Fri Apr 20, 2018 11:51 am
Forum: Investing - Theory, News & General
Topic: Upper Tax Bracket Folks...where to park cash?
Replies: 11
Views: 2732

Re: Upper Tax Bracket Folks...where to park cash?

Vanguard's Prime Money Market Fund's current SEC yield is 1.79%, compound yield is 1.80%. Source: https://personal.vanguard.com/us/funds/snapshot?FundId=0030&FundIntExt=INT&funds_disable_redirect=true Ed This reads like a recommendation. Why do you recommend this given the tax-equivalent yield of V...
by Rager1
Fri Apr 20, 2018 11:45 am
Forum: Investing - Theory, News & General
Topic: Upper Tax Bracket Folks...where to park cash?
Replies: 11
Views: 2732

Re: Upper Tax Bracket Folks...where to park cash?

Vanguard's Prime Money Market Fund's current SEC yield is 1.79%, compound yield is 1.80%.

Source: https://personal.vanguard.com/us/funds/ ... irect=true

Ed
by Rager1
Tue Apr 17, 2018 10:38 am
Forum: Personal Finance (Not Investing)
Topic: MAGI and Medicare Premium
Replies: 17
Views: 2867

Re: MAGI and Medicare Premium

As noted by the Social Security Administration: If your income has gone down due to any of the following situations and the change makes a difference in the income level considered by the Social Security Administration, contact the Social Security Administration and explain that you have new inform...
by Rager1
Mon Apr 16, 2018 1:04 pm
Forum: Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1482

Re: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?

According to the IRS: The amount of salary deferrals you can contribute to retirement plans is your individual limit each calendar year no matter how many plans you're in. This limit must be aggregated for these plan types: 401(k) 403(b) SIMPLE plans (SIMPLE IRA and SIMPLE 401(k) plans) SARSEP If yo...
by Rager1
Sat Apr 14, 2018 11:40 am
Forum: Personal Finance (Not Investing)
Topic: Trust Tax Question
Replies: 1
Views: 309

Re: Trust Tax Question

It depends on whether the person setting up the Trust Employer Identification Number (EIN) made the Section 645 election. If the Section 645 election was made, then you can choose your own fiscal year for tax reporting. If not, then the Trust must use a calendar year. Furthermore, if the Trust will ...
by Rager1
Tue Apr 03, 2018 11:00 am
Forum: Personal Finance (Not Investing)
Topic: No will. What happens to my accounts if I die?
Replies: 34
Views: 3926

Re: No will. What happens to my accounts if I die?

You actually do have a will. The laws of the state where you reside determine what happens to your estate at your death.

Unless you prepare your own will, the state's laws apply.

I highly recommend you hire an attorney to establish will, power of attorney, and advance medical directive.

Ed
by Rager1
Wed Mar 21, 2018 7:02 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 206
Views: 80418

Re: Master thread for Washington DC Area Bogleheads

Hello Jason,

There isn't a current group in eastern Loudoun county or western Fairfax.

Sorry.

Ed
by Rager1
Thu Mar 15, 2018 8:12 pm
Forum: Investing - Theory, News & General
Topic: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE
Replies: 66
Views: 19086

Re: Q&A WITH JACK BOGLE - ASK YOUR QUESTIONS HERE

Don't be bashful, go ahead and ask you questions here.

Ed
by Rager1
Sat Jan 20, 2018 7:52 pm
Forum: US Chapters
Topic: Master thread for Washington DC Area Bogleheads
Replies: 206
Views: 80418

Re: Master thread for Washington DC Area Bogleheads

For those attending tomorrow, if we run out of topics for discussion I've prepared a synopsis of the 2018 Tax Law Changes impacting individuals.

See you tomorrow.

Ed
by Rager1
Sun Sep 10, 2017 9:23 am
Forum: Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 1569

Re: "Today's Change" and "Estimated Income" on Vanguard?

If you look at your monthly statements from Vanguard, you'll find estimated annual income and estimated yield for each of your holdings. I looked and ... 1. We have several accounts at Vanguard including Roths, traditional IRAs, joint-taxable with both the old-style mutual fund and new-style broker...
by Rager1
Sun Sep 10, 2017 8:31 am
Forum: Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 1569

Re: "Today's Change" and "Estimated Income" on Vanguard?

If you look at your monthly statements from Vanguard, you'll find estimated annual income and estimated yield for each of your holdings.

That's as close as you can get to what you want.

Ed
by Rager1
Mon Jul 31, 2017 10:56 am
Forum: Personal Finance (Not Investing)
Topic: Savings Rate Formula - Explicitly Spelled Out
Replies: 50
Views: 5260

Re: Savings Rate Formula - Explicitly Spelled Out

I prefer a much simpler calculation which is easy to track.

Value of Invested Assets/Lifetime Gross Income = Savings Rate

It takes some time to pull together the Lifetime Gross Income number but once you have it, it's easy to keep up-to-date.

Ed