Search found 891 matches

by Rager1
Sat Oct 13, 2018 12:05 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Mobile Check--Still Not Working
Replies: 3
Views: 313

Vanguard Mobile Check--Still Not Working

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: Investing - Help with Personal Investments
Topic: Vanguard not answering their telephone
Replies: 11
Views: 1441

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: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42440

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: Investing - Help with Personal Investments
Topic: Anyone using VanguardAdvantage with free checking, Visa Gold Debit/ATM, electronic bill pay, direct deposit, plus more?
Replies: 23
Views: 3437

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: 4670

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: 7303

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: 5941

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: 130
Views: 9745

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: Investing - Help with Personal Investments
Topic: Park more than $250,000 in cash
Replies: 24
Views: 3106

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: 2394

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: Investing - Help with Personal Investments
Topic: Calculating past returns in private real estate fund
Replies: 6
Views: 416

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: Investing - Help with Personal Investments
Topic: Hitting your number---Now What?
Replies: 19
Views: 3077

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: 39
Views: 3957

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: 3290

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: 2159

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: 2159

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: 2159

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: 2308

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: Investing - Help with Personal Investments
Topic: Two Jobs, Two Retirement Plans; $110,000 Per Year Contribution Limit?
Replies: 4
Views: 1200

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: 214

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: 3723

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: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42440

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: 14937

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: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42440

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: Investing - Help with Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 1392

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: Investing - Help with Personal Investments
Topic: "Today's Change" and "Estimated Income" on Vanguard?
Replies: 10
Views: 1392

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: 4860

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
by Rager1
Fri Jul 21, 2017 8:32 pm
Forum: Personal Consumer Issues
Topic: Am I getting good advice - replace the AC, not the 21 year old furnace
Replies: 33
Views: 3811

Re: Am I getting good advice - replace the AC, not the 21 year old furnace

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
by Rager1
Mon Jul 17, 2017 10:39 am
Forum: Investing - Help with Personal Investments
Topic: Basic Question on I bonds
Replies: 11
Views: 1562

Re: Basic Question on I bonds

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...
by Rager1
Wed Jul 12, 2017 3:34 pm
Forum: Investing - Help with Personal Investments
Topic: Dissolving Ric-E Trust
Replies: 50
Views: 6411

Re: Dissolving Ric-E Trust

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...
by Rager1
Sun Jul 09, 2017 11:13 am
Forum: Investing - Help with Personal Investments
Topic: Vanguards assistance in setting up small business simple IRA
Replies: 12
Views: 1308

Re: Vanguards assistance in setting up small business simple IRA

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...
by Rager1
Tue Jun 13, 2017 5:52 pm
Forum: Personal Finance (Not Investing)
Topic: Trust Fund Hell
Replies: 66
Views: 10659

Re: Trust Fund Hell

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 ...
by Rager1
Sat May 13, 2017 2:34 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42440

Re: Master thread for Washington DC Area Bogleheads

We look forward to attending. Thanks for the coordination.

Ed (and Patti)
by Rager1
Sun Jan 01, 2017 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: 2017 I-bond purchases - buy now or wait until May?
Replies: 10
Views: 3100

Re: 2017 I-bond purchases - buy now or wait until May?

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

Ed
by Rager1
Sat Dec 17, 2016 2:03 pm
Forum: Local Chapters and Bogleheads Community
Topic: Master thread for Washington DC Area Bogleheads
Replies: 146
Views: 42440

Re: Master thread for Washington DC Area Bogleheads

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
by Rager1
Wed Dec 14, 2016 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Highly Compensated Employee
Replies: 5
Views: 1407

Re: Highly Compensated Employee

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...
by Rager1
Mon Dec 05, 2016 9:07 pm
Forum: Local Chapters and Bogleheads Community
Topic: Boglehead Conference 2017?
Replies: 34
Views: 6417

Re: Boglehead Conference 2017?

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
by Rager1
Fri Nov 11, 2016 4:59 am
Forum: Investing - Theory, News & General
Topic: Shark Tank's Kevin O'Leary creates ETF
Replies: 45
Views: 7415

Re: Kevin O'Leary Fund

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 (...
by Rager1
Wed May 25, 2016 11:59 am
Forum: Investing - Theory, News & General
Topic: Can I just let my money compound now?
Replies: 51
Views: 7262

Re: Can I just let my money compound now?

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...
by Rager1
Wed May 25, 2016 9:32 am
Forum: Investing - Theory, News & General
Topic: Can I just let my money compound now?
Replies: 51
Views: 7262

Re: Can I just let my money compound now?

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...
by Rager1
Sun Apr 10, 2016 8:21 pm
Forum: Personal Consumer Issues
Topic: My current bicycle tour in Italy
Replies: 39
Views: 5526

Re: My current bicycle tour in Italy

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
by Rager1
Sat Jan 30, 2016 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Puzzling math - Fed Tax on paycheck
Replies: 3
Views: 765

Re: Puzzling math - Fed Tax on paycheck

Page 44 of the following publication will answer your question.

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

Ed
by Rager1
Sat Jan 23, 2016 1:20 pm
Forum: Investing - Help with Personal Investments
Topic: I Bonds
Replies: 27
Views: 4023

Re: I Bonds

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
by Rager1
Thu Dec 24, 2015 2:56 pm
Forum: Local Chapters and Bogleheads Community
Topic: My Christmas Gift to You
Replies: 60
Views: 7096

Re: My Christmas Gift to You

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
by Rager1
Sat Dec 19, 2015 10:36 pm
Forum: Investing - Theory, News & General
Topic: Comparing Index Fund Costs at Various Companies?
Replies: 4
Views: 790

Re: Comparing Index Fund Costs at Various Companies?

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
by Rager1
Fri Dec 11, 2015 3:30 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 2971

Re: how to deal with "lost" tax return

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...
by Rager1
Tue Dec 08, 2015 2:11 pm
Forum: Personal Finance (Not Investing)
Topic: how to deal with "lost" tax return
Replies: 18
Views: 2971

Re: how to deal with "lost" tax return

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 ...