Search found 1145 matches

by EyeDee
Mon Jun 04, 2018 8:48 pm
Forum: Investing - Theory, News & General
Topic: Thinking of a divorce - from Vanguard
Replies: 41
Views: 5521

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: 41
Views: 5521

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: 2689

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: 1774

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: 1774

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: 1774

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: 1774

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: 4205

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: 4205

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: 4004

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: 1107

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: 2206

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: 2206

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: 2206

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: 2206

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: 2206

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: 683

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: 2348

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: 2348

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: 6729

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: 9788

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: 1456

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: 1456

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: 1469

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: 1469

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: 629

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: 998

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: 154
Views: 11382

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: 467

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: 1010

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: 458

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: 154
Views: 11382

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: 23680

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...
by EyeDee
Sat Dec 23, 2017 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HELOC Rules, Foreign tax credit, ACA tax
Replies: 12
Views: 1216

Re: Foreign tax credit

. MikeG62, Thank you for the reference. I have a little trouble following it all, but I agree with you that it sounds like the foreign tax credit is allowed for individuals with passive mutual fund income going forward. Only one minor comment on your pages 461 and 462 for others - I believe your ref...
by EyeDee
Sat Dec 23, 2017 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 HELOC Rules, Foreign tax credit, ACA tax
Replies: 12
Views: 1216

Foreign tax credit

. DrGoogle2017, Would you provide the source for your comment of no foreign tax credit? I can find numerous references to foreign tax credit regarding businesses in information on new tax bill, but cannot find a reference to foreign tax credit for taxes paid by passive international mutual funds. A ...
by EyeDee
Sun Nov 19, 2017 11:49 am
Forum: Investing - Theory, News & General
Topic: Is treating all accounts as one bucket really simpler
Replies: 21
Views: 3152

Advantages of Not treating all accounts as one

. Fennewaldaj, As indicated by others, there can be considerable cost to holding the same asset allocation (AA) in each account, but there can be some advantages, so if one does it they need to be aware of those costs and weigh the two situations carefully. By same asset allocation I mean the same s...
by EyeDee
Sat Nov 04, 2017 11:41 pm
Forum: Investing - Theory, News & General
Topic: Did Vanguard change from 20% to 30% stock in TD retirement income fund?
Replies: 19
Views: 2512

Re: Did Vanguard change from 20% to 30% stock in TD retirement income fund?

. Yes, Vanguard changed the stock percentage in the Target Date Retirement Income fund from 20% to 30% in 2006. See the Wiki page: https://www.bogleheads.org/wiki/Vanguard_target_retirement_funds "In the years since launching the TR funds, Vanguard has made two significant changes to the funds' asse...
by EyeDee
Wed Nov 01, 2017 3:49 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18386

Re: 2018 ACA rates now live....

. The premiums DO rise in a graduated way that correlates to income, but the gradual change stops when one's income hits 400% of the federal poverty level. This thread has been very disheartening. For someone who plans on early retirement it is downright frightening to do so. As a new retiree I can ...
by EyeDee
Thu Oct 26, 2017 9:01 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA rates now live....
Replies: 228
Views: 18386

Re: 2018 ACA rates now live....

. Munemaker, Beware that your statement that "the insurance companies raised the prices of the silver plans on the exchange only" applies to only about 20 states. Other states did things differently. Last I seen 18 states had insurance companies raise prices of silver plans on and off the exchanges,...
by EyeDee
Sun Oct 15, 2017 7:00 pm
Forum: Personal Finance (Not Investing)
Topic: ACA stay below 250% FPL for 2017?
Replies: 16
Views: 1745

Re: ACA stay below 250% FPL for 2017?

. Like Katietsu, I thought there was "some mechanism to take action if you clearly intentionally lied" or failed to tell the exchanges if your had a significant change in income that disqualified you for the CSRs going forward. Checking the Federal exchange I found this: "We need the information pro...
by EyeDee
Thu Oct 12, 2017 9:44 am
Forum: Personal Finance (Not Investing)
Topic: 2018 ACA costs arrived
Replies: 88
Views: 12246

Re: 2018 ACA costs arrived

. I believe how much the cost sharing reduction subsides (CSRs) are spread if they are not paid by the federal government depends upon the state. In some states the increase is being restricted to silver plans on the exchanges which would mean the increase is covered by increased subsides for the pr...
by EyeDee
Tue Oct 10, 2017 1:21 pm
Forum: Personal Finance (Not Investing)
Topic: Health Care for 2018, Curious About Other's Increases
Replies: 21
Views: 3335

Recent Monthly Health Insurance premiums

. Our monthly premium for couple before ACA: 2010 1276 2011 1404 2012 1508 2013 1596 Our monthly premium for couple on ACA Exchange: 2014 1115 2015 1319 2016 1528 2017 1790 2018 Unknown - old insurer leaving exchange in 2018 Our monthly premium actually paid was lower than ACA Exchange premiums list...
by EyeDee
Tue Sep 26, 2017 1:57 pm
Forum: Personal Consumer Issues
Topic: GM Master Card Site
Replies: 7
Views: 917

Re: GM Master Card Site

. Wife says she saw the announcement of change recently when on the site. However, if you get error that cannot find any products that match your information and you are sure you entered everything correctly (or tried a second time to be sure you got it right), you might want to wait to try again un...
by EyeDee
Sat Sep 23, 2017 1:34 pm
Forum: Investing - Theory, News & General
Topic: VG wants everyone to transfer to a brokerage account?
Replies: 110
Views: 13437

Brokerage Accounts and Mutual Fund accounts

. Since Vanguard needs to maintain a mutual fund only platform for people whose job prevents them from having a brokerage account, they are going to need to keep two type accounts - mutual fund only and brokerage only with the associated costs. It is not two type accounts that is the problem, it is ...
by EyeDee
Tue Jun 13, 2017 10:20 am
Forum: Investing - Theory, News & General
Topic: Vanguard's new "account overview" page... BOO!
Replies: 105
Views: 14437

Re: Vanguard's new "account overview" page... BOO!

. Ulladulla28, Although we are both now have the new account overview page, for a considerable time I was converted and my wife was not, so you are likely to be converted some time later. ---- I still do not understand the purpose of the "giant font everywhere" on the account overview page as mentio...
by EyeDee
Tue Jun 06, 2017 9:36 am
Forum: Investing - Theory, News & General
Topic: CapitalSpectator major asset classes performance review
Replies: 5
Views: 755

Foreign Real Estate Companies

. However, you might want to look at Vanguard's Global ex-U.S. Real Estate Index Fund, although it tracks the S&P Global ex-U.S. Property Index it still contains a large amount of foreign REITs in addition to foreign real estate management and development companies. ...The stark contrast between for...
by EyeDee
Mon May 15, 2017 6:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard "Declining Balance" automatic withdrawals
Replies: 6
Views: 2422

Re: Vanguard "Declining Balance" automatic withdrawals

. Nisiprius, Did you try Declining Balance and did it work as expected? Or did someone else try it? Thanks. Note: This is an old thread from 2008. A Vanguard rep confirms verbally that the "declining balance" withdrawal method means that the amount of each payment is calculated by dividing the value...
by EyeDee
Sun Apr 16, 2017 7:03 pm
Forum: Investing - Theory, News & General
Topic: Question on open ended mutual funds
Replies: 4
Views: 610

Re: Question on open ended mutual funds

. I believe they buy during the last few minutes before end of day closing based upon the orders up to that point (probably using some buy on close orders for the orders during the last couple of minutes). What does not get process in time would end up as part of a fund's cash holdings. Until comput...
by EyeDee
Fri Mar 31, 2017 10:58 am
Forum: Investing - Theory, News & General
Topic: Is there any difference between a Rollover IRA and a Traditional IRA?
Replies: 21
Views: 3045

Rollover IRA and a Traditional IRA Difference

. There are some differences in protection of IRAs in bankruptcy. States have rules that can effect the federal protections. https://www.irahelp.com/slottreport/your-ira-protected-creditors-you-may-be-surprised ". . . IRAs have federal protection in bankruptcy proceedings, but that protection is lim...
by EyeDee
Mon Mar 20, 2017 10:10 am
Forum: Investing - Theory, News & General
Topic: "Find out if your fund is declaring a quarterly dividend in March"
Replies: 9
Views: 2369

Quarterly Dividends

. Jhfenton, InvestorNewb, I am not familiar with ETF dividends, but normally the normal mutual fund dividend amount per share is not available (published on Vanguard site) until the day after the declaration and does not show up in the account until overnight that evening. Do Vanguard ETF dividends ...