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Rager1

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...

Rager1

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

Rager1

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

Rager1

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

Rager1

Don't forget that TIPS are designed to protect you from "unexpected" inflation. That hasn't happened yet.

Ed

Rager1

...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...

Rager1

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...

Rager1

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

Ed

Rager1

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

Rager1

Great job, Bob!!

We'll be there for sure.

Ed

Rager1

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

Rager1

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

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

Ed

Rager1

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...

Rager1

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...

Rager1

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 ...

Rager1

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...

Rager1

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...

Rager1

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

Rager1

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...

Rager1

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...

Rager1

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 ...

Rager1

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

Rager1

Hello Jason,

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

Sorry.

Ed

Rager1

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

Ed

Rager1

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

Rager1

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...

Rager1

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

Rager1

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

Rager1

I was in a similar situation years ago. I decided to only replace the A/C at the time. Later, when I had to replace the heating system, I discovered it would have been more cost effective doing both at the same time.

At 21 years old, I'd spring for it all at the same time.

Ed

Rager1

You can cash in I-Bonds after 1 year, but you must give up 3 months interest unless you have held them for 5 years. As mentioned, the rate changes every 6 months from the month you purchased them. And, you can effectively get back 2 of those 3 months by purchasing I Bonds at the end of the month, a...

Rager1

All, This thread has been very informative, thanks for all of the info! My wife and I were notified a couple months back that her grandmother had setup one of these in 1999! It has not even doubled in value in 18 years! Money put into the market in 1999 would not have been expected to double. Unfor...

Rager1

New to forum Recently I have found that being self employed I can contribute more than minimum 6500 to our Ira funds being 58 this is the time to try and catch up and reduce our taxable income. I figure we can each my wife and I put 15k plus company match of 3% of salary I think? Does anyone have a...

Rager1

I just assisted a friend who transferred everything to Vanguard from a UBS account. UBS took exit fees (of course) and when the holdings were sold at Vanguard, the mutual funds cost $35 each and the stocks and ETFs were $7 each. My friend came in to Vanguard at the Voyager level so total costs from ...

Rager1

We look forward to attending. Thanks for the coordination.

Ed (and Patti)

Rager1

How about hedge your bet and purchase half now and half later.

Ed

Rager1

Bob,

I'm so sorry to hear about Andrew's death. He will be missed and remembered. Thank you for sharing his story with the larger Boglehead community.

Ed

Rager1

Nobody knows nothing.

Ed

Rager1

According to the IRS, here is the definition of HCE for 2016: Highly Compensated Employee - An individual who: Owned more than 5% of the interest in the business at any time during the year or the preceding year, regardless of how much compensation that person earned or received, or For the precedin...

Rager1

We're currently working on the arrangements for the 2017 Boglehead Conference. More information will be posted as the plans are firmed up. Stay tuned around the end of the first quarter of 2017.

Ed

Rager1

Anyway, he says that "Over the last 40 years, 70% of the market’s returns came from dividends, not capital appreciation". I don't know what he considers the "Market", but the SBBI data (from Ibbotson Associates) for the 70 years ending in 2014 for the S&P500 shows the following: Of the 11.5% CAGR (...

Rager1

So...I'm 25 with a little over 100k saved and in a target fund. Is it safe to say that I could potentially not save another dime and be in decent shape in 30 years? Not saying I'm going to do this, just curious. Let's assume that you're going to earn 5% annually and inflation runs at 2% annually. I...

Rager1

So...I'm 25 with a little over 100k saved and in a target fund. Is it safe to say that I could potentially not save another dime and be in decent shape in 30 years? Not saying I'm going to do this, just curious. Let's assume that you're going to earn 5% annually and inflation runs at 2% annually. I...

Rager1

I drove the Amalfi Coast about 3 years ago. There's no way I'd do it on a bicycle!!

Have a great time....but be safe.

Ed

Rager1

Take a look at Bond Basics on the Wiki:

https://www.bogleheads.org/wiki/Bond_basics

Ed

Rager1

Page 44 of the following publication will answer your question.

https://www.irs.gov/pub/irs-pdf/p15.pdf

Ed

Rager1

Golfview wrote:When do I Bonds make sense to own for a long term investment?

When you want to invest in a safe, tax-deferred, free from state and local taxes vehicle that never goes down in value, and keep up with inflation.

Ed

Rager1

Taylor,

Thanks for your Christmas gift to us. It's our pleasure knowing you and we wish you a very Merry Christmas and Happy New Year.

Ed and Patti

Rager1

Fat-Tailed Contagion wrote:Hi Bogleheads,

Is anyone aware of a simple spreadsheet comparing index fund costs at the various companies?

I'd be interested in seeing the match-up.

Thanks,

FTC

Try the FINRA Fund Analyzer:

http://apps.finra.org/fundanalyzer/1/fa.aspx

Ed

Rager1

Ouch, thought I would call one last time before I re-sent, and to see if certified/registered whatever should go to a different address than the PO Box normally specified. They now tell me it was stamped as "received" on Oct 1 (3 days after I mailed it) but only sent for "processing" today. So no n...

Rager1

I sent in my state tax refund over 2 months ago (after filing for an extension in the spring) and I haven't received my refund. Phone calls to the state DoR result in "we haven't received it, that's all we know, sorry". They say all I can do is to send it in again. (I guess I don't need to say I'm ...

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