Search found 1162 matches

by EyeDee
Tue Dec 11, 2018 2:57 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Competing on Price . . . The 1993 Proxies"
Replies: 8
Views: 635

Re: Vanguard "Competing on Price . . . The 1993 Proxies"

. Alex_686, If you check the recent reports from various Vanguard mutual funds, you will find that the board of trusties for the Wellington and Wellesley funds are identical to the ones of all the other Vanguard mutual funds. In fact they are also the same for the board of the Vanguard group that th...
by EyeDee
Mon Dec 10, 2018 7:12 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Competing on Price . . . The 1993 Proxies"
Replies: 8
Views: 635

Re: Vanguard "Competing on Price . . . The 1993 Proxies"

. Alex_686, I am either miss-understanding your comments or perhaps you miss-understood mine, so I will try again. I used to think Vanguard allocated costs proportionally, but the items I listed did not make sense until seeing the information about the 1993 changes. Although as you say it might be t...
by EyeDee
Mon Dec 10, 2018 2:58 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Competing on Price . . . The 1993 Proxies"
Replies: 8
Views: 635

Re: Vanguard "Competing on Price . . . The 1993 Proxies"

. No I am advocating that Vanguard should have taken from the funds an amount that covered the fees on a per account basis, but kept the money market NAV at a dollar. How the money market funds were able to waive fees during the recent financial crisis. I always thought Vanguard should have levied a...
by EyeDee
Mon Dec 10, 2018 2:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard "Competing on Price . . . The 1993 Proxies"
Replies: 8
Views: 635

Vanguard "Competing on Price . . . The 1993 Proxies"

. "Competing on Price . . . The 1993 Proxies" is the sub-title on page 96 in John Bogle's new book: "Stay the Course". He talks about several things approved in the Vanguard 1993 proxy vote in the new book, but this item I find particularly interesting as it helps explain several things that I could...
by EyeDee
Sat Dec 08, 2018 11:31 am
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 12
Views: 1460

Re: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)

. Note: Conversion title revised to reflect that Vanguard did fix problem for Automatic Transactions for 12/06/2018 by doing them on 12/07/2018 with backdating to 12/06/2018, based upon the fact that our automatic withdrawal was done on 12/07/2018 with a processing date of 12/06/2018. Previous title...
by EyeDee
Fri Dec 07, 2018 1:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 12
Views: 1460

Re: Warning: Problem with Vanguard Automatic Transactions for 12/06/2018

. RadAudit, Although I was told they were working on the problem on Thursday, I actually think it will not be fixed as it should have been done by Friday morning. I hope to be pleasantly surprised and they fix it today, but I think it is more likely that your circumvention is what is needed. Same pr...
by EyeDee
Fri Dec 07, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)
Replies: 12
Views: 1460

Vanguard Automatic Transactions for 12/06/2018 delayed a day (with backdating)

. Because of the Day of Mourning holiday on 12/05/2018 Vanguard did not process automatic transactions scheduled for 12/06/2018 properly. When I called them on 12/06/2018 to point out that the automatic withdrawal we had scheduled for 12/06/2018 was not queued up to happen that evening as expected, ...
by EyeDee
Wed Oct 31, 2018 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3192

Re: If On Medicare Before SS, How Do You Pay?

. Thanks everyone for the helpful answers. However, they have prompted some additional questions. When do quarterly Medicare premium bills arrive in the mail? For example if one is starting Medicare in December does the bill arrive: - Mid November? - Late November? - Early December? And when does th...
by EyeDee
Sun Oct 28, 2018 10:23 am
Forum: Personal Finance (Not Investing)
Topic: If On Medicare Before SS, How Do You Pay?
Replies: 40
Views: 3192

If On Medicare Before SS, How Do You Pay?

. If you are on Medicare before starting Social Security, how do you pay your premiums? I believe the bills they send can be paid by check or credit card. They also seem to have a way to switch to direct deposit. What do you use and why? Is their some advantage(s) in using a particularly method? Tha...
by EyeDee
Sat Oct 13, 2018 10:13 am
Forum: Personal Finance (Not Investing)
Topic: Weigh in on our Marital Argument =)-- HCOL edition
Replies: 102
Views: 10562

Visiting Parents

.
Myamar,

If the condo is big enough now except when your parents visit, why not put them up in nice nearby hotel to avoid crowding everyone during their visits. At least until something larger works for you.
by EyeDee
Mon Oct 01, 2018 10:18 am
Forum: Personal Finance (Not Investing)
Topic: Struggling with Medicare Plan G vs Plan N
Replies: 63
Views: 3506

Medicare Supplemental Insurance Plans

. billfromct, Although I am a big supporter of posting with mutual fund names instead of ticker symbols when posting on this board. Medicare Supplemental Insurance Plans like Plan G and Plan N do not have names they are simply Plan G or Plan N. There are names for the various parts of Medicare inste...
by EyeDee
Thu Sep 20, 2018 10:21 am
Forum: Investing - Theory, News & General
Topic: Vanguard ETFs vs Traditional Mutual Funds
Replies: 5
Views: 464

Vanguard ETFs vs Traditional Mutual Funds

Vanguard just announced new New environmental, social, governance (ESG) ETFs - see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=259406 It looks like these two ETFs might not have equivalent traditional mutual funds associated with them, similar to Vanguards two recent bond ETF additions. T...
by EyeDee
Wed Sep 19, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: A really general question!
Replies: 9
Views: 822

Best Investing Book

.
ClemsonDad,

If you are going to read just one book on investing, I think the "Bogle on Mutual Funds" by John (Jack) C. Bogle is the best choice.
by EyeDee
Fri Sep 07, 2018 10:08 am
Forum: Investing - Theory, News & General
Topic: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF
Replies: 48
Views: 5747

Re: September 6,2018-Vanguard Introduces Low-Cost Total World Bond ETF

. UpperNwGuy, Yes, the Total Corporate Bond ETF (VTC) created November 2017 is a corporate bond ETF made up of other corporate bond funds that only has an ETF version. Most of the rest of Vanguard's ETF's have other fund shares. However, it may appear that they do not have other fund shares because ...
by EyeDee
Sat Aug 11, 2018 6:49 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 10014

New Vanguard Website Layout

.
We have old mutual fund accounts (no brokerage accounts) and we see the change.
am wrote:
Sat Aug 11, 2018 4:14 pm
UpperNwGuy wrote:
Sat Aug 11, 2018 4:13 pm
I just logged in and see no change to the display. Do the folks who see changes have the old mutual fund accounts or the brokerage accounts?
Ive got the brokerage and see the change
by EyeDee
Sat Aug 11, 2018 4:02 pm
Forum: Investing - Theory, News & General
Topic: [New Vanguard website layout starting Saturday, August 11]
Replies: 130
Views: 10014

New Vanguard website layout

. Although my logon did not change until today, my wife's logon was changed by Thursday August 9, 2018. Like the change in the Welcome page, they have made things more compatible with tablets and phones, leaving a layout that works well on PCs. They seem to forget that many people like using PCs for...
by EyeDee
Fri Aug 10, 2018 8:14 pm
Forum: Investing - Theory, News & General
Topic: The Bigger Story: Fidelity Expense Ratios
Replies: 98
Views: 11006

Vanguard Expense Ratios

. Although I would like to think that Vanguard provides funds at cost and that there is little they can do to compete with the Schwab and Fidelity on dropping share classes and expense ratios further, there appears to be some arbitrary control by Vanguard considering that Admiral share expense ratio...
by EyeDee
Mon Jun 04, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 45
Views: 7687

Vanguard Platforms

. Livesoft, We would be willing to pay $20 a year to keep the mutual fund only platform, especially if it included a guarantee that my wife or I could open a mutual fund only individual taxable account when the time came that our taxable joint account had to be replaced because one of us died. What ...
by EyeDee
Mon Jun 04, 2018 4:11 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 45
Views: 7687

Vanguard Platforms

. Onourway, Unless Vanguard intends to force people to leave Vanguard, they will have to keep the 'old' platform for a tiny minority of users indefinitely. Even if they somehow force or entice us users who do not want to upgrade to do so, they have to keep the mutual fund only platform for people wh...
by EyeDee
Sun May 27, 2018 1:42 pm
Forum: Investing - Help with Personal Investments
Topic: CIT MM Now 1.85% [Money Market]
Replies: 27
Views: 2874

CIT MM Interest Rate

. HAWK23, To get percentage one is getting on CIT MM account, one needs to log on their CIT MM account and click on Activity option near top of page. On left of the Activity page it should show current Interest rate and Last statement APY earned. The current interest rate will be a couple of basis p...
by EyeDee
Mon May 14, 2018 8:58 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1901

Re: Why is Fidelity more picky than banks about middle names?

. I changed the conversation title to remove Vanguard as Vanguard might not be picky about middle name verses middle initial after all. I dug through old records and found some cases from five and six years ago where bank entry on Vanguard did not include middle name even though middle name was incl...
by EyeDee
Mon May 14, 2018 2:01 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1901

Re: Why are Vanguard and Fidelity more picky than banks about middle names?

. Maybe some banks have gotten picky, but the online bank that forced us to use only middle initial for both names when one of us uses middle name on local banks/credit union, forced that situation last month and had no problems establishing access to local banks/credit union. Yet the same day, we s...
by EyeDee
Sun May 13, 2018 8:57 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1901

Re: Why are Vanguard and Fidelity more picky than banks about middle names?

. It sounds like you always use provide the exact same name to all financial institutions even though it is not your legal name. The concern I am trying to learn more about is where one uses a middle name in some cases and a middle initial in others unlike you. The recent situation with Fidelity is ...
by EyeDee
Sun May 13, 2018 6:41 pm
Forum: Investing - Theory, News & General
Topic: Why is Fidelity more picky than banks about middle names?
Replies: 10
Views: 1901

Why is Fidelity more picky than banks about middle names?

. One of our online banks uses full middle names for both of us on our joint account while the other online bank only allows use of a middle initial for both of us on our joint account. Yet both of the banks easily handle processing to and from our local bank and credit union where one of us uses th...
by EyeDee
Tue May 01, 2018 9:00 pm
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 4518

Re: On an Index Card

. I am not sure when I first posted it, but I believe this conversation from May of 2007 might have been the first (and was a little thinner) : http://www.diehards.org/forum/viewtopic.php?t=2954 I thickened in this conversation from 2010: http://www.bogleheads.org/forum/viewtopic.php?t=62618 and adj...
by EyeDee
Tue May 01, 2018 4:06 pm
Forum: Investing - Theory, News & General
Topic: Everything You Need to Know on an Index Card
Replies: 33
Views: 4518

On an Index Card

. SSCA - Security (ER fund, insurance), Savings, Costs (inc. taxes), Allocation (inc. rebalancing). A little more detail: Security - Build up an Emergency Fund, have insurance to secure life, health, home, auto, etc., make careful use of debt, possibly getting extra education to secure a higher/stab...
by EyeDee
Wed Apr 18, 2018 1:53 pm
Forum: Investing - Theory, News & General
Topic: Lack of FDIC Insurance a big deal?
Replies: 39
Views: 4559

Availablity

. I believe there has been posts about Vanguard accounts being unavailable for several weeks while getting straight situations where Vanguard has discovered possible access to an account by someone other than an account owner, so one should probably always keep enough in non-Vanguard accounts to han...
by EyeDee
Tue Mar 20, 2018 6:40 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with Tax Exempt Money Market Fund
Replies: 9
Views: 1306

Admiral Share Minimums

. BreakfastTaco, David Grabiner gave you excellent overall information as he always does. However, I think he has a minor error concerning fund minimums. The Vanguard Prime Money Market Admiral shares have a minimum of $5,000,000 not $50,000. He was possibly thinking of Vanguard's Treasury Money Mar...
by EyeDee
Mon Mar 19, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2332

Re: Vanguard Money Market Yield Gaps

. Wind_Reaver, Thank you for your thoughtful post. I had not thought of recent budget wrangling causing reduction in interest rates on agencies by lowering issuance. Hopefully, if the rate difference continues, the Federal fund will increase its use of Treasuries and reduce agencies somewhat and doe...
by EyeDee
Sun Mar 18, 2018 1:51 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2332

Re: Vanguard Money Market Yield Gaps

. I agree. However, since Federal money market can and does own treasuries why is its yield less than the Treasury money market fund? Federal can increase its treasury holdings if treasuries are a better buy. Also Federal and Prime yields where much closer as recent as 2015 and somewhat closer even ...
by EyeDee
Sun Mar 18, 2018 10:47 am
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2332

Re: Vanguard Money Market Yield Gaps

. And the gap keeps growing. Prime Money Market 7day Yield now at 1.60% and Treasury Money Market 7day Yield at 1.46% but Federal Money Market 7day Yield is still at 1.39%. What is it about he Federal money market fund's holdings that has its yield growing slower and keeping it from being somewhere ...
by EyeDee
Thu Mar 15, 2018 1:31 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2332

Re: Vanguard Money Market Yield Gaps

.
In other words, considering Vanguard taxable money market funds' assets, expense ratios, and investment strategies, why isn't the Federal money market yield rate around 1.49% (assuming Prime and Treasury money market yields are where they should be)?
by EyeDee
Thu Mar 15, 2018 10:28 am
Forum: Investing - Theory, News & General
Topic: Vanguard Money Market Yield Gaps
Replies: 8
Views: 2332

Vanguard Money Market Yield Gaps

. Can someone explain the gaps between the yields on Vanguard's money market funds? Federal Money Market 7day Yield: 1.39% Expense Ratio: 0.11% Prime Money Market 7day Yield: 1.59% Expense Ratio: 0.16% Treasury Money Market 7day Yield: 1.45% Expense Ratio: 0.09% I would think despite the slightly lo...
by EyeDee
Sun Mar 11, 2018 2:02 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Global ex-US Real Estate Fund - Fees
Replies: 4
Views: 750

Re: Vanguard Global ex-US Real Estate Fund - Fees

. Abuss368, I do not know what officially Vanguard uses for criteria, but in the past they have dropped purchase and redemption fees when the funds got larger. My guess is Vanguard drops the fees when the funds get large enough that the purchases and redemptions are close to balancing out so there i...
by EyeDee
Tue Mar 06, 2018 7:54 pm
Forum: Investing - Theory, News & General
Topic: Why no Tax Exempt Total bond Index Fund?
Replies: 12
Views: 2548

Re: ETF vs Mutual Funds with Purchase fees.

. Triceatop, So which are you saying, Vanguard is ripping off the fund buyers paying the fee for purchasing the mutual fund or that the authorized participants are taking it out of their profits when they set up ETF creation units or that someone else is paying the fee in the case of ETFs? Hopefully...
by EyeDee
Mon Mar 05, 2018 5:08 pm
Forum: Investing - Theory, News & General
Topic: Why no Tax Exempt Total bond Index Fund?
Replies: 12
Views: 2548

ETF vs Mutual Funds with Purchase fees.

. Triceatop, Please see David Grabiner's post: https://www.bogleheads.org/forum/viewtopic.php?p=771349#p771349 in this conversation: http://www.bogleheads.org/forum/viewtopic.php?t=57186 where he explains that how the ETF creation unit process done by the authorized participants incorporates an equi...
by EyeDee
Sat Feb 24, 2018 11:32 am
Forum: Investing - Theory, News & General
Topic: Just how safe is a short-term corporate bond fund?
Replies: 53
Views: 7718

Short-term corporate bond funds

. Doc, Actually I believe Mitchell777 is correct that the active Vanguard Short Term Investment Grade use to be Short-Term Corporate Fund (before the Short-Term Corporate Bond Index Fund (VSCSX) was started in November 2010). From the Chairman's Letter on Page 2 of Corporate Bond Fund January 31, 20...
by EyeDee
Fri Feb 02, 2018 7:46 pm
Forum: Forum Issues and Administration
Topic: Fewer acronyms please
Replies: 119
Views: 11927

Re: Fewer acronyms please

. John, Since many people use traditional mutual funds instead of Exchange Traded Funds (ETFs) as well as many who use non-Vanguard ETFs, if you are going to champion certain abbreviations that you think should overtake the long hand, would not it be more reasonable to chose: TSM, TISM, and TBM, ins...
by EyeDee
Thu Jan 18, 2018 3:06 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing bands tighter than 5 / 25?
Replies: 17
Views: 1678

Re: Rebalancing bands tighter than 5 / 25?

. Drzzzzz, Yes, if you are only using it without the "5/" or "4/" part. See the articles for how the two parts are typically combined for more details on apply a "5/25" or a "4/20" or a "5/20" rule etc. What does a 20% band mean if your portfolio is 50% stock and 50% bonds - does that mean that 60% ...
by EyeDee
Wed Jan 17, 2018 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Rebalancing bands tighter than 5 / 25?
Replies: 17
Views: 1678

Re: Rebalancing bands tighter than 5 / 25?

. Jrbdmb, To quote Larry Swedroe http://seekingalpha.com/article/2130243-portfolio-rebalancing-the-whys-and-the-hows ". . . I suggest you use a 5/25 percent rule in an asset class's allocation before rebalancing is considered. That is, rebalancing should be considered if the change in an asset class...
by EyeDee
Tue Jan 16, 2018 9:48 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1550

Re: Vanguard account change

. Huey, Thanks for your reply. No nieces, nephews, other relatives live close enough to be able to help and very few would have the experience to handle it because most do not invest beyond bank accounts. Most close friends are close in age or older, few are close by and I am the one that helps them...
by EyeDee
Tue Jan 16, 2018 8:01 pm
Forum: Investing - Theory, News & General
Topic: Vanguard account change
Replies: 14
Views: 1550

Re: Vanguard account change

. Huey, That form is difficult for me and I handle our investments. I do not think I would be able to handle it in my late 70s/80s let alone my wife who has not been involved in asset basis concerns. How do they expect an elderly person without children to handle it when a spouse dies? Vanguard has ...
by EyeDee
Sun Jan 14, 2018 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Does wash sale rule apply to money market fund (VFMXX)?
Replies: 5
Views: 777

Re: Does wash sale rule apply to money market fund (VFMXX)?

. If a money market fund keeps its value at $1 it can not have any loss to cause a wash sale when shares are sold. However, with the new money market rules I thought there might be a potential for some special cases during an emergency situation or if one owned a variable rate money market fund wher...
by EyeDee
Sun Jan 14, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: Why did Vanguard start an Institutional REIT fund?
Replies: 6
Views: 1058

Re: Why did Vanguard start an Institutional REIT fund?

Seugene, Please see section titled "Vanguard files for new REIT II Index Fund" in Vanguard announcement: "Vanguard announces shareholder meeting; also plans for new REIT II Index Fund" found at https://investornews.vanguard/vanguard-announces-shareholder-meeting-also-plans-for-new-reit-ii-index-fund...
by EyeDee
Fri Jan 05, 2018 5:16 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 157
Views: 12935

Re: REGISTRATION FOR 2018 BOGLEHEAD CONTEST

. LadyGeek, Rules listed in OP say that changes are not allowed: "Only one guess (no percentages and no changes)." ^^^ :) The spreadsheet format is also helping to spot human error. SimpleGift's spreadsheet is showing a frequency peak around 3000. A manual search shows we have 5 entries at 3000. Onl...
by EyeDee
Thu Jan 04, 2018 2:14 pm
Forum: Investing - Theory, News & General
Topic: Vanguard IT and 2018 Tax Changes
Replies: 1
Views: 486

Vanguard IT and 2018 Tax Changes

. Since many complaints are often made on this board about how Vanguard computer systems handle various things including by me, I thought I would post something positive about Vanguard's IT. Vanguard has already started integrating the 2018 Tax changes into their online processing. If doing a Roth c...
by EyeDee
Mon Jan 01, 2018 8:00 pm
Forum: Local Chapters and Bogleheads Community
Topic: Bogleheads Contest 2018 [discussion]
Replies: 7
Views: 1227

Re: BOGLEHEADS CONTEST 2018

. FreeAtLast, Taylor asked Ralph Aversen who runs the Bogleheads Contest web site to do the announcement this year - see: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=236262 Forum Members - This morning I was looking for the usual post from Taylor that announces and begins the Contest. Stil...
by EyeDee
Sun Dec 31, 2017 12:12 pm
Forum: Investing - Theory, News & General
Topic: Boglehead Contest tracking site changes
Replies: 1
Views: 496

Re: Boglehead Contest tracking site changes

.
To provide a link to the announcement of 2018's contest:

viewtopic.php?f=10&t=236262
by EyeDee
Sun Dec 31, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: REGISTRATION FOR 2018 BOGLEHEAD CONTEST
Replies: 157
Views: 12935

Re: Registration For 2018 Boglehead Contest

.
Ralph,

Nice changes. Particularly the dropping of the wild guesses from the averages. Although I do not submit a guess, I do enjoy watching the process during the year.

To provide a link to the details of the changes: viewtopic.php?f=10&t=236261
by EyeDee
Tue Dec 26, 2017 11:39 am
Forum: Personal Finance (Not Investing)
Topic: Do you see a meaningful change in your income with new Tax Bill?
Replies: 266
Views: 25487

SALT Provisions

. Mr. Wu, I think they meant it that the $10,000 on SALT is not pegged to inflation. According to the Joint Conference report it appears to expire in 2026 says: " Conference Agreement The conference agreement provides that in the case of an individual,171 as a general matter, State, local, and forei...