Search found 934 matches

by Rager1
Fri Jan 29, 2021 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: RMD
Replies: 5
Views: 443

Re: RMD

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
by Rager1
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...
by Rager1
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...
by Rager1
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 ...
by Rager1
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
by Rager1
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...
by Rager1
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
by Rager1
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...
by Rager1
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
by Rager1
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
by Rager1
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...
by Rager1
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...
by Rager1
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...
by Rager1
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...
by Rager1
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
by Rager1
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...
by Rager1
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...
by Rager1
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
by Rager1
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...
by Rager1
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
by Rager1
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?

TresBelle65 wrote: Fri Feb 28, 2020 8:01 am
.....I believe this translates into a 25% discount on their services.....
This is correct.

Ed
by Rager1
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
by Rager1
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...
by Rager1
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...
by Rager1
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
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: 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
by Rager1
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
by Rager1
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
by Rager1
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...
by Rager1
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
by Rager1
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
by Rager1
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...
by Rager1
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...
by Rager1
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
by Rager1
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
by Rager1
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...
by Rager1
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...
by Rager1
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...
by Rager1
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 ...
by Rager1
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...
by Rager1
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...
by Rager1
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...
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: 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...
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: 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...
by Rager1
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

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: 215
Views: 86914

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: 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
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: 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
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: 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 ...
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: 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...