Search found 2518 matches

by xenial
Mon Oct 14, 2019 2:54 pm
Forum: Personal Finance (Not Investing)
Topic: [Vanguard glitch] Your brokerage Consolidated Form 1099 is now available
Replies: 40
Views: 2053

Re: weird message from Vanguard re. new 1099

I got the same email, but there was no new 1099. I even checked previous tax years. Vanguard does the darndest things.
by xenial
Tue Jul 16, 2019 9:48 am
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 49
Views: 5511

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

JustinR, I think this pdf document provides the information you want: Find out which Vanguard index mutual funds can be converted tax-free to Vanguard ETFs . It lists the 18 traditional funds for which the associated ETFs are cheaper, as well as the 29 with equal expense ratios. Thank you! The only...
by xenial
Mon Jul 15, 2019 10:39 pm
Forum: Investing - Theory, News & General
Topic: Full list of Vanguard ETFs that are cheaper than their index funds?
Replies: 49
Views: 5511

Re: Full list of Vanguard ETFs that are cheaper than their index funds?

JustinR, I think this pdf document provides the information you want: Find out which Vanguard index mutual funds can be converted tax-free to Vanguard ETFs. It lists the 18 traditional funds for which the associated ETFs are cheaper, as well as the 29 with equal expense ratios.
by xenial
Fri Jun 28, 2019 9:40 am
Forum: Investing - Theory, News & General
Topic: WSJ - Jack Bogle Unpublished Article
Replies: 6
Views: 1709

Re: WSJ - Jack Bogle Unpublished Article

Here's a link to the article in Barrons : The Late Vanguard Founder Jack Bogle on 4 Simple Tips for Successful Investing The article requires a subscription to Barrons. Is there new material in there, something that Mr. Bogle has not said previously regarding these investment principles? Sorry abou...
by xenial
Wed Jun 19, 2019 2:42 pm
Forum: Personal Finance (Not Investing)
Topic: Any Massachusetts people on ACA subsidy?
Replies: 6
Views: 558

Re: Any Massachusetts people on ACA subsidy?

The ACA cliff is at 400% FPL, not 300%.
by xenial
Sun Jun 09, 2019 7:35 pm
Forum: Personal Consumer Issues
Topic: Anyone recommend a cheap cell phone service for text and calls?
Replies: 24
Views: 2383

Re: Anyone recommend a cheap cell phone service for text and calls?

Tello (Sprint network) has very inexpensive plans, as well as a dirt cheap pay-as-you-go option for light users. I've been happy with them.
by xenial
Fri May 31, 2019 11:06 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 5176

Re: Safety of treasury bonds vs treasury money market

If interest rates go up sharply during your holding period, VSBSX will lose money. Your capital is not 100% guaranteed. That said, you probably won't lose a lot. Right, but then your bonds will yield more so, let's say you actually hold VSBSX for twice the duration (i.e. 4 years), you're then guara...
by xenial
Fri May 31, 2019 10:55 am
Forum: Personal Investments
Topic: Safety of treasury bonds vs treasury money market
Replies: 42
Views: 5176

Re: Safety of treasury bonds vs treasury money market

Out of curiosity, assuming someone's investing horizon is over 2 years, is a short-term treasury bond fund (e.g. VSBSX ) literally just as safe as a treasury money market fund (e.g. VUSXX ) ? I know the NAV of the bond fund will fluctuate slightly and the returns won't be exactly the same for both ...
by xenial
Thu May 30, 2019 12:12 am
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1495

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

Here is how you can actually see all the rates from Ally, even the promo (Select CD) ones: 1) go to https://www.ally.com/bank/high-yield-cd/ 2) Click on "FAQs" on the navigation bar near the middle(ish) of screen. This will take you 95% of the way to the bottom of that long page. 3) Click on "What ...
by xenial
Wed May 29, 2019 9:05 pm
Forum: Personal Investments
Topic: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account
Replies: 13
Views: 1495

Re: Ally CD vs Vanguard Ultra Short Term Bond Fund both in taxable account

You might consider the Ally Select 15-Month CD paying 2.80% APY with no minimum deposit. The only way you can see this offer on the Ally website is by starting the process of opening a CD. Ken Tumin believes the 2.80% rate will only last until the end of this month, so you'd probably want to open th...
by xenial
Wed May 29, 2019 3:56 pm
Forum: Investing - Theory, News & General
Topic: 2% withdrawal rate
Replies: 182
Views: 13892

Re: 2% withdrawal rate

At 2% you could hold everything in a checking account or under the mattress and withdraw for 50 years. Overly conservative, for sure. I also believe a 2% withdrawal rate is too conservative, but the mattress approach will only work if there's no inflation. The money would indeed last 50 years if th...
by xenial
Tue May 28, 2019 10:00 pm
Forum: Personal Consumer Issues
Topic: Any experience with/recommendations for custom PC building sites?
Replies: 13
Views: 923

Re: Any experience with/recommendations for custom PC building sites?

I highly recommend Puget Systems. They're not cheap, but quality and customer service are superb. Even if you don't buy from them, you can learn a lot from their website.
by xenial
Sun May 19, 2019 9:46 am
Forum: Personal Finance (Not Investing)
Topic: VTIAX SEC yield?
Replies: 3
Views: 510

Re: VTIAX SEC yield?

I believe fluctuating currency conversion rates would make an SEC yield unreliable.
by xenial
Tue May 07, 2019 9:17 pm
Forum: Personal Finance (Not Investing)
Topic: Wire transfer from VNG to title company
Replies: 10
Views: 829

Re: Wire transfer from VNG to title company

I think you can do it by phone if you have voice verification set up. There may be a fee for the wire if you're not at least a Flagship client.
by xenial
Mon Mar 11, 2019 5:00 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Vanguard ETFs Or Mutual Funds
Replies: 20
Views: 1620

Re: Allan Roth: Vanguard ETFs Or Mutual Funds

I have noncovered Admiral shares of 4 funds eligible for tax free conversion to ETFs. These funds were purchased in many lots over a long period of time. I currently use average cost basis as reported by Vanguard when I sell. I don't think average cost basis is an allowable method for ETFs. If I we...
by xenial
Mon Mar 11, 2019 2:41 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Vanguard ETFs Or Mutual Funds
Replies: 20
Views: 1620

Re: Allan Roth: Vanguard ETFs Or Mutual Funds

I have noncovered Admiral shares of 4 funds eligible for tax free conversion to ETFs. These funds were purchased in many lots over a long period of time. I currently use average cost basis as reported by Vanguard when I sell. I don't think average cost basis is an allowable method for ETFs. If I we...
by xenial
Mon Mar 11, 2019 2:05 pm
Forum: Investing - Theory, News & General
Topic: Allan Roth: Vanguard ETFs Or Mutual Funds
Replies: 20
Views: 1620

Re: Allan Roth: Vanguard ETFs Or Mutual Funds

I have noncovered Admiral shares of 4 funds eligible for tax free conversion to ETFs. These funds were purchased in many lots over a long period of time. I currently use average cost basis as reported by Vanguard when I sell. I don't think average cost basis is an allowable method for ETFs. If I wer...
by xenial
Thu Feb 28, 2019 2:33 pm
Forum: Forum Issues and Administration
Topic: Keep Bogleheads Free! (as in unaffiliated)
Replies: 52
Views: 6469

Re: Keep Bogleheads Free! (as in unaffiliated)

Rick, why do you think Bogleheads would ever become affiliated with Vanguard? I love Vanguard, but I see no advantage to an affiliation.
by xenial
Sun Feb 24, 2019 2:07 pm
Forum: Personal Consumer Issues
Topic: How does the Vanguard security login work (can't get into my accounts)
Replies: 9
Views: 920

Re: How does the Vanguard security login work (can't get into my accounts)

Maybe the relevant Vanguard cookie somehow got deleted or corrupted. If you have backups, you might try restoring your browser's cookie folder to an older version. Then see if you can log in.
by xenial
Wed Feb 13, 2019 7:52 pm
Forum: Personal Finance (Not Investing)
Topic: optimizing online banking cash yield
Replies: 3
Views: 583

Re: optimizing online banking cash yield

It looks like you're referring to MaxMyInterest . I haven't used it. The way it seems to work is that you open online savings accounts at up to 6 banks. The service monitors interest rates and automatically moves your money to the highest yielding, subject to FDIC limits. I think it would be easy en...
by xenial
Thu Feb 07, 2019 2:31 pm
Forum: Personal Investments
Topic: Sell gold krugerrand and put in Roth?
Replies: 40
Views: 2196

Re: Sell gold krugerrand and put in Roth?

barnaclebob wrote:
Thu Feb 07, 2019 2:10 pm
Just a question out of curiousity, Is it possible to buy and possess physical gold within a Roth IRA or other retirement account?
Yes, but it's not a great idea:
Gold IRA (Wikipedia)
Think Twice Before Opening A Gold Or Silver IRA (Forbes)
by xenial
Tue Feb 05, 2019 2:33 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

When I login into my account, I see the following notification: "We’re excited to let you know that your cash bonus for the Payback Time promotion is processing. Your cash bonus will be deposited into your account within the next 48 hours." Ugh, Mine doesn't seem to have that. Hopefully it shows up...
by xenial
Wed Jan 30, 2019 7:47 pm
Forum: Personal Investments
Topic: Transferring Non-Transferable assets over to Vanguard
Replies: 5
Views: 240

Re: Transferring Non-Transferable assets over to Vanguard

I received a notice saying that I can liquidate the positions and have the cash value moved to Vanguard. My question then is will I be taxed for taking those funds out of the stock market since it is a Roth? You'll pay no taxes as long as you transfer to another Roth IRA. Selling investments in a R...
by xenial
Fri Jan 25, 2019 3:04 pm
Forum: Personal Investments
Topic: Brennanist tune-up
Replies: 6
Views: 456

Re: Brennanist tune-up

chair, welcome to the Bogleheads forum! Your investing approach looks solid. I have one suggestion: As you shift away from equities over time, make your sales from the small and mid cap funds. According to the wiki article Approximating total stock market , over three quarters of the US stock market...
by xenial
Sat Jan 19, 2019 8:51 pm
Forum: Personal Investments
Topic: Why BNDX (TOTAL INTL BD) has had better 5 year returns than BND (Total Bond Market ETF) despite lower SEC yield
Replies: 6
Views: 1745

Re: Why BNDX (TOTAL INTL BD) has had better 5 year returns than BND (Total Bond Market ETF) despite lower SEC yield

SEC yield is misleading for hedged foreign bonds. If you go to Vanguard's BNDX profile and click on the 0.97% (SEC yield as of 1/19/19), you'll get a popup which states Investors should be mindful in evaluating the Vanguard Total International Bond ETF current SEC yield. This yield, while accurately...
by xenial
Sat Jan 05, 2019 10:01 pm
Forum: Personal Consumer Issues
Topic: Vanguard Statements - Print or Electronic
Replies: 47
Views: 3170

Re: Vanguard Statements - Print or Electronic

Electronic for me. I save them digitally with multiple backups. Having invested at Vanguard for ages, I do still have my printed statements from pre-internet days.
by xenial
Tue Dec 04, 2018 1:27 pm
Forum: Personal Finance (Not Investing)
Topic: Managing ACA income with a Vanguard Variable Annuity
Replies: 17
Views: 1666

Re: Managing ACA income with a Vanguard Variable Annuity

I think the Vanguard Variable Annuity will work for the purpose of avoiding the ACA cliff. Also consider buying low-coupon US Treasury securities selling at a steep discount and maturing after Medicare kicks in. My understanding is that the market discount counts as ordinary income in the year you d...
by xenial
Fri Nov 30, 2018 10:05 pm
Forum: Forum Issues and Administration
Topic: SITE OFFLINE (Nov 25) Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade
Replies: 21
Views: 2068

Re: SITE OFFLINE Sunday, 5:00 PM Eastern (22:00 UTC) - software upgrade

rkhusky wrote:
Fri Nov 30, 2018 9:58 pm
Did the software upgrade do something to the wiki. I can't see any of the pages anymore.
There does seem to be a problem. Wiki pages appear blank in Firefox, while a get a 500 error in Chrome.
by xenial
Fri Nov 30, 2018 4:56 pm
Forum: Personal Investments
Topic: How much will my T-Note be worth?
Replies: 14
Views: 1184

Re: How much will my T-Note be worth?

If I buy a T-Note today on the Vanguard site that has maturity date 12/31/2018, settlement date 12/3/18, face value $19,000, Principal $18,991.84, Accrued interest $120.82, Accrued no. of days 156, Net amount $19,112.66, price 99.957, yield to maturity and yield to worst 2.053, coupon 1.50, pay fre...
by xenial
Sat Nov 17, 2018 2:19 pm
Forum: Investing - Theory, News & General
Topic: Old prospectuses
Replies: 3
Views: 400

Re: Old prospectuses

Anyone know where I could find a copy of a, say, 10-year-old prospectus for Wellington, for example? Is there an archive somewhere? Besides the company's website, and googling for the fund and the prospectus (sometimes documents are not indexed on the site) then SEC filings are at EDGAR. Not terrib...
by xenial
Thu Nov 15, 2018 9:21 pm
Forum: Personal Investments
Topic: Vanguard Global Credit Bond Fund
Replies: 6
Views: 1490

Re: Vanguard Global Credit Bond Fund

. . . Also note that global funds (outside the US) are subject to currency risk - the fund is not as "fixed" as you'd think. While I agree Offshore doesn't need this fund at all, currency risk is not likely to be an issue. The August 9th press release states Most of the non-U.S. portion of the port...
by xenial
Fri Nov 09, 2018 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

The No Penalty CD seems to be up to 2.20% now. Time to break those CDs and reinvest? I would like to know this as well. If I close my no penalty CD then reopen it, am I still eligible for the bonus? I've been keeping the money in the 1.90% online savings account because of this sentence in the Elig...
by xenial
Wed Nov 07, 2018 8:14 pm
Forum: Personal Investments
Topic: Index Funds Expense Ratios
Replies: 6
Views: 901

Re: Index Funds Expense Ratios

I hold a Vanguard fund that holds Vanguard index funds. VTINX. The expense ratio is 0.13%. The five funds that make up VTINX have expense ratios of 0.15%, 0.14%, 0.15%, 0.13% and 0.17%. If I were to get out of the VTINX fund and invest in the five funds that make up the VTINX fund would I eliminate...
by xenial
Wed Nov 07, 2018 7:46 pm
Forum: Personal Consumer Issues
Topic: Lenovo Computer
Replies: 3
Views: 797

Re: Lenovo Computer

J295 wrote:
Wed Nov 07, 2018 7:43 pm
Should we purchase our new one online direct, or from Best Buy?
Lenovo Outlet often has good deals.
by xenial
Wed Nov 07, 2018 12:44 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Did existing Ally customers automatically get included, or did they also have to actively enroll in the promotion? I've had an Ally savings account for years, but didn't hear about this until just recently. Online enrollment in the promotion was required. I first learned about it from this very con...
by xenial
Tue Nov 06, 2018 1:10 pm
Forum: Personal Investments
Topic: CDs on vanguard.com
Replies: 10
Views: 1828

Re: CDs on vanguard.com

blueyonder wrote:
Tue Nov 06, 2018 12:44 pm
. . . I will need to find some time to get familiar with the TD website, probably over the holidays...
You can also buy U.S. Treasury bills, notes, and bonds at auction from vanguard.com with no added costs.
by xenial
Mon Oct 29, 2018 7:14 pm
Forum: Personal Investments
Topic: Fixed income other than bonds, CD's, money market?
Replies: 7
Views: 1077

Re: Fixed income other than bonds, CD's, money market?

Two examples:
LendingClub (Peer-to-peer loans)
PeerStreet (Real estate debt)

I don't have personal experience with alternative fixed income investments. They aren't regulated nearly as well as the more mundane stuff --- too risky for me.
by xenial
Mon Oct 29, 2018 2:17 pm
Forum: Personal Investments
Topic: Help transferring brokerage acct to Vanguard
Replies: 5
Views: 506

Re: Help transferring brokerage acct to Vanguard

If you transfer in-kind, you may have to pay commissions when selling non-Vanguard mutual funds in your Vanguard Brokerage account. You'll need to compare the costs on a fund-by-fund basis with the option of selling from your current brokerage account and transferring cash. Vanguard Brokerage Mutual...
by xenial
Mon Oct 29, 2018 11:02 am
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Here's an idea: I think I'm going to move money from Vanguard to Ally via wire transfer instead of ACH. It's free for Flagship clients, and money arrives the same day if you initiate the transfer by 12:30 ET. If the Ally account is already on file with Vanguard, the wire can apparently be done by ph...
by xenial
Sun Oct 28, 2018 7:45 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Is there an official notification email expected right after the transfer deadline of 11/5, or maybe a message you have to log in to your account to see, where they state the final official amount that qualifies for the 1% bonus, presuming you keep it in place until February? It would just be nice ...
by xenial
Sat Oct 27, 2018 6:40 pm
Forum: Personal Investments
Topic: Vanguard's Personal Advisor
Replies: 8
Views: 2170

Re: Vanguard's Personal Advisor

What do you mean by "getting plans" that people have posted.....suggested portfolios? Yes, suggested portfolios. Here's an example post: Vanguard Personal Advisor Services/Portfolio Review . . . All advisor recommendations were Vanguard Funds, Admiral Shares. Portfolio allocation recommendation is ...
by xenial
Fri Oct 26, 2018 8:15 pm
Forum: Personal Investments
Topic: How to exit out of the Stock Market?
Replies: 58
Views: 6628

Re: How to exit out of the Stock Market?

Welcome to Bogleheads, Sophia! Your post suggests you're reacting emotionally to the market selloff. That's a very human thing to do; unfortunately, humans tend to be lousy investors. :) The easiest way to avoid losing sleep over daily market gyrations is to refrain from reading or watching the fina...
by xenial
Thu Oct 25, 2018 2:52 pm
Forum: US Chapters
Topic: Who/what made the helpful culture of Bogleheads?
Replies: 29
Views: 2369

Re: Who/what made the helpful culture of Bogleheads?

I think the range of allowable topics is critical to the health of the Bogleheads community, and I credit Alex Frakt for making smart choices. If Bogleheads could only discuss investing here, many of the great posters would likely get bored and drift way. The inclusion of personal finance and consum...
by xenial
Tue Oct 23, 2018 9:01 pm
Forum: Personal Investments
Topic: An odd retirement scheme? [TIAA Yale retirement savings program]
Replies: 14
Views: 2908

Re: An odd retirement scheme?

The employer's recommendations look pretty good. My comments below are in blue. My neighbor stopped by telling me about changes to her employer's retirement plan and asked for my advice. Ha! I know donuts, but investment advice is beyond me. That's why I come here. She did have an interesting scenar...
by xenial
Mon Oct 22, 2018 1:18 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by xenial
Mon Oct 22, 2018 12:01 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 630
Views: 72637

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Quick question about the bonus $$ being awarded. In my case, they will be put in my existing Ally savings account. Since I'm very close to getting hit with IRMAA this year, how is this bonus $$ treated tax wise? Hopefully it doesn't count towards MAGI. It counts, but in 2019 rather than 2018, since...
by xenial
Mon Oct 22, 2018 11:12 am
Forum: Personal Investments
Topic: Vanguard's Personal Advisor
Replies: 8
Views: 2170

Re: Vanguard's Personal Advisor

No advisor for me. You might want to search for posts on this forum about Vanguard Personal Advisor Services (PAS). A lot of people have posted their plans. They seem very good overall, though somewhat more complex than necessary. If you're comfortable with this forum, you'll get plans here which ar...