Bogleheads.org

Rager1

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

Rager1

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...

Rager1

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...

Rager1

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

Rager1

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

Rager1

I recommend that you checkout www.militarybyowner.com

Many military folks moving to the DC area use that site for housing.

Ed

Rager1

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

Rager1

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...

Rager1

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

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

Ed

Rager1

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

Rager1

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...

Rager1

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...

Rager1

Thanks, Ed, for sharing your research with us.

I always enjoy your publications.

Ed

Rager1

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

Rager1

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...

Rager1

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...

Rager1

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...

Rager1

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 ...

Rager1

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...

Rager1

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...

Rager1

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...

Rager1

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...

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

Search found 913 matches