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Re: Implementing Two-Factor Authentication for Fidelity Acco

It still amazes me that I can't find a U.S. retail bank that has reasonable two-factor security. It appears that Bank of America is pretty serious about supporting the new FIDO standard: http://www.yubico.com/2014/02/bank-america-joins-fido-alliance/ . More information on FIDO can be found on their...
by Alskar
Thu Aug 28, 2014 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Implementing Two-Factor Authentication for Fidelity Acco

The problem with Yubikey (and the reason I asked Fidelity for Verisign hardware token instead) is that Yubikey requires access to USB port, and while it is avaialble 95% of the time, the remaining 5% I may want to access Fidelity from terminal where the computer itself, and USB port on it is not av...
by Alskar
Thu Aug 28, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Using [a 401(k)] advisor for fiduciary guidance

I neglected to include 401k Averages Book: 14th Edition ( http://www.401ksource.com/ ) in my list of resources. This book costs $95 but is the most recognized source for 401k plan costs and features. If you're wanting to know the average cost for 401k features, this book is your best bet. I was able...
by Alskar
Tue Aug 26, 2014 1:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: S&P500 over 2000

The Wizard wrote:In the annual Bogleheads Contest, I suspect the bulk of estimates for S&P500 at the END of 2014 are below 2000.00.
Still 4 months remaining for it to revert back there...

Come on S&P = 2017! Daddy needs that tshirt! :wink:
by Alskar
Mon Aug 25, 2014 11:57 pm
 
Forum: Investing - Theory, News & General
Topic: S&P500 over 2000
Replies: 68
Views: 5315

Re: The Worst Investment You Can Make: Buying a Home

I did the math on my house awhile back. In the 20 years I've owned it, it has increased in value a bit over 4x. When taking into account property taxes, maintenance, and rental income on the apartment in the basement but not mortgage interest it has returned about 3% a year. I consider myself fortun...
by Alskar
Fri Aug 22, 2014 8:15 pm
 
Forum: Investing - Theory, News & General
Topic: The Worst Investment You Can Make: Buying a Home
Replies: 135
Views: 15852

Re: Do you tip on the tax?

Oregon, where I live, doesn't have sales tax so I guess I tip on the total before tax. When I am outside of Oregon, I tip on the subtotal before tax. I tend to tip in cash as some places deduct money from the tip to cover the swipe fee. I typically tip 20%.
by Alskar
Fri Aug 22, 2014 7:20 pm
 
Forum: Personal Consumer Issues
Topic: Do you tip on the tax? [Restaurants]
Replies: 124
Views: 4976

Re: Using an advisor for fudiciary guidance

Her husband probably works for John Hancock or maybe her sister does. In situations like this, I am usually not as direct as I am on an internet forum. I would take her to a nice lunch and discuss the following question "What would it take to get you to look at Fidelity, TD Ameritrade and othe...
by Alskar
Thu Aug 21, 2014 7:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Vanguard Lost My Account

This is scary stuff. I have long considered not putting all my eggs in one basket, but I think I need to make the move now. Does Fidelity have the same voyager, flagship type account structure Most brokerage houses have a tiered set of client classes. Vanguard has Voyager, Voyager Select, and Flags...
by Alskar
Thu Aug 21, 2014 7:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10396

Re: Using an advisor for fudiciary guidance

I don't see why the HR person cannot be "called out" on this. As in "Do your job." I know, right? From what I can tell our Dir of HR was the prototype for Catbert, the evil HR character in Dilbert cartoons. She initially said that Fidelity didn't return her call. I am a Premium ...
by Alskar
Thu Aug 21, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Implementing Two-Factor Authentication for Fidelity Acco

Well that's interesting. I have MUCH less than $250K outside of my rollover IRA and rollover Roth IRA and I have two-factor authentication on my accounts. I have way more than $250K in total but the vast bulk of my retirement money is in tax advantaged accounts. Did Fidelity screw up when they gave...
by Alskar
Thu Aug 21, 2014 7:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Using an advisor for fudiciary guidance

@Alskar, our end-run around the face-to-face requirement was that participants could go to the local Fidelity office if they desired face-to-face counseling. I'm not saying the advice there would be Bogleheadish though. For reasons that are probably only clear to her, the Dir of HR did not engage w...
by Alskar
Thu Aug 21, 2014 5:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Implementing Two-Factor Authentication for Fidelity Acco

The rep didn't say yes or no, he just sounded completely clueless. "Two what...?" Is there a department I should be talking to? Call Fidelity at: (800) 673-2938. This will take you directly to the right group. If you want to talk to your regular account executive use this phrase: "Sy...
by Alskar
Thu Aug 21, 2014 1:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Using an advisor for fudiciary guidance

On the recent comment about the survey showing participants don't use counseling services. The usage rates for online tools is even lower, but in my opinion this is where plan sponsors have let the bar stay to low. It should be an advisors job, and they should be measured by this, to make an impact...
by Alskar
Thu Aug 21, 2014 1:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Rollover gone wrong

I rolled over my Roth from Schwab to Vanguard in 2013. However, I rolled it over into an existing Traditional IRA account I had with Vanguard instead of opening a new Roth IRA account. I just noticed the problem and called Vanguard who are trying to help me re-characterize the contribution back int...
by Alskar
Wed Aug 20, 2014 8:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Rollover gone wrong
Replies: 24
Views: 3724

Re: Using an advisor for fudiciary guidance

Thanks for all the comments so far. @livesoft - does our money have to be with 'Fidelity' to use their service? How much in assets would you consider a 'small business plan'? While we are not paying fees directly (our ERISA/Admin budget) creates enough revenue to offset these fees. Some here do fee...
by Alskar
Wed Aug 20, 2014 7:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Using an advisor for fudiciary guidance

Meisrow Financial ( http://www.mesirowfinancial.com/fiduciary/sponsors.jsp ) provides Section 3(21) Investment Advisory services for 3 bps and Section 3(38) Investment Management services for 6 bps. Is that what you're looking for? FWIW, one can bundle these services into Vanguard small-business pla...
by Alskar
Wed Aug 20, 2014 6:14 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using [a 401(k)] advisor for fiduciary guidance
Replies: 28
Views: 2302

Re: Are these [401k] options terrible?

Do you guys have any experience on how Employee Fiduciary worked for your small company? What do/do they not do? Searching for "Employee Fiduciary" on this forum will give you lots of information about EF. My last employer had <30 employees and had a 401k plan run by EF. At that time, the...
by Alskar
Wed Aug 20, 2014 5:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2059

Re: Vanguard Lost My Account

Fortunately , each of my accounts is held in joint tenancy with my wife, and her access was not impaired. So I was able to verify the lack of mysterious transactions on our accounts. But I can only imagine the distress endured by a sole account owner, especially one without the previously establish...
by Alskar
Wed Aug 20, 2014 2:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Lost My Account
Replies: 91
Views: 10396

Re: Are these [401k] options terrible?

I would ask them who pays the AMC / Net Asset Fee and if you pay that fee, what services does it cover. Agreed. It seems the everyone has just assumed you have to pay that, but that has yet to be stated. If you looked it up, I don't think you have told us what you found out. The fact that the AMC i...
by Alskar
Tue Aug 19, 2014 12:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2059

Re: Are these [401k] options terrible?

Wow, I thought I'd been subjected to some bad 401k plans, but this one really takes the cake. Given there is no match, I would take Rick Ferri's advice and not participate in this plan ( http://www.rickferri.com/blog/investments/dont-bother-with-that-high-cost-401k/ ). In my rather jaded view, this ...
by Alskar
Thu Aug 14, 2014 12:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: Are these [401k] options terrible?
Replies: 28
Views: 2059

Re: Why is Bank of America so hated?

Wow, so very many reasons to hate BoA. Let me list a few: 1. Unbelievably complex set of fees for everything from seeing a live teller, to getting a paper statement, to getting access to a check image 2. Irresponsible management resulting in the need to be bailed out. 3. High-pressure sales when one...
by Alskar
Wed Aug 13, 2014 5:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: Why is Bank of America so hated?
Replies: 43
Views: 2417

Re: Quickest Way to Deposit a Large Sum with Vanguard

Thank you to all for the responses. I checked with the title company and they would do the wire transfer directly to Vanguard. Their bank charges them a 25 dollar fee which I, of course, must pay. Most investment firms will pay for incoming wire transfers for large sums. I know from personaly exper...
by Alskar
Wed Aug 13, 2014 1:43 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quickest Way to Deposit a Large Sum with Vanguard
Replies: 22
Views: 2492

Re: Renting forever: financial suicide?

I don't think there is a clear answer to your question, but FWIW I personally would buy the 1 bedroom condo. I would do so to get some control of my housing expenses. The HOA fees for the condo will go up over time, but hopefully not as fast as rent. By buying vs renting you avoid having to move due...
by Alskar
Mon Aug 11, 2014 6:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Renting forever: financial suicide?
Replies: 92
Views: 10856

Re: 401(k) - What's your opinion?

Tough question. Too soon? It may be too soon to ask this question, but I'm not sure how much time employers who have high cost plans should be given to wake up to the fact that investments are a plan's biggest cost and neither they nor their consultant has the skills to pick managed funds that will...
by Alskar
Tue Jul 29, 2014 9:31 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) - What's your opinion?
Replies: 9
Views: 1010

Re: 401(k) - What's your opinion?

I've seen no discernible change in 401(k) fees; they're still exorbitant! On the positive side, there is lots of talk about fees now, but it's all talk and no action.
by Alskar
Tue Jul 29, 2014 5:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401(k) - What's your opinion?
Replies: 9
Views: 1010

Re: finding an adviser/handholder for wife

I live happily in Portland, Oregon. My financial affairs are pretty much in order (including will, family trust, wife's IRA, my IRA, joint investment and checking accounts). I'm scheduled to undergo some extensive surgery in a few weeks. I'm in the process of creating an instruction letter for my w...
by Alskar
Mon Jul 28, 2014 7:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: finding an adviser/handholder for wife
Replies: 24
Views: 3426

Re: Adding Corporates to Total Bond Market Index

William Bernstein's new book "Rational Expectations: Asset Allocation for Investing Adults" contains some interesting insight into this topic. Chapter 6, entitled "To ETF or Not ETF" says: Corporate bond funds are curiously problematic. For many years, Vanguard maintained a “corp...
by Alskar
Fri Jul 25, 2014 2:04 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7012

Re: Here's another "where should I retire" thread

A few suggestions come to mind: 1. Grants Pass, Oregon. Combines the mountains you enjoy with the Rogue river and a few lakes. 2. Sisters, Oregon in Central, Oregon. 3. Bend, Oregon near sisters, but a larger city 4. Ashland, Oregon. Many of the Microsoft millionaires retired in Ashland. Similar to ...
by Alskar
Wed Jul 23, 2014 6:31 pm
 
Forum: Personal Consumer Issues
Topic: Here's another "where should I retire" thread
Replies: 104
Views: 6411

Re: Is this a good rate ?

You don't say what the term is for the mortgage you are asking about. 4% is pretty good for a 30 year mortgage, but the closing costs seem really high to me. If I were in your shoes I would get a quote from these three companies: 1. First Internet Bank of Indiana ( https://www.firstib.com/ ) 2. Nati...
by Alskar
Wed Jul 23, 2014 12:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is this a good rate ?
Replies: 5
Views: 612

Re: Blog:Vanguard index fund security lending in 2013

You can ignore this if I'm picking nits (I truly am NOT trying to be a pain): The Wiki now says, "As the stock owner retains the share rights, the borrower must pass all dividends received to the owner." However, page 3 of Vanguard's "Securities lending: Still no free lunch" says...
by Alskar
Tue Jul 22, 2014 12:40 am
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard index fund security lending in 2013
Replies: 16
Views: 1650

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by Alskar
Tue Jul 22, 2014 12:20 am
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7012

Re: Blog:Vanguard index fund security lending in 2013

Here is another inconsistency: This page ( http://www.bogleheads.org/wiki/Securities_lending#Short_selling_stock ) says, "Voting rights are also retained by the stock owner." However, this page ( http://www.bogleheads.org/wiki/Securities_lending ) says "Borrower motivations for borrow...
by Alskar
Mon Jul 21, 2014 5:26 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard index fund security lending in 2013
Replies: 16
Views: 1650

Re: Blog:Vanguard index fund security lending in 2013

I found what I believe to be a slight disagreement between the Wiki and Vanguard's "Security lending: Still no free lunch". I'm posting it in case somebody wants to update the Wiki. Under the second bullet item on page 3 of "Securities lending: Still no free lunch" it says, "...
by Alskar
Mon Jul 21, 2014 5:18 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard index fund security lending in 2013
Replies: 16
Views: 1650

Re: Adding Corporates to Total Bond Market Index

Munir wrote:Are you aware that there are many Bogleheads who are fans of actively-managed Wellesley, Wellington, Dodge & Cox funds, and DFA funds?

No, I was not aware of that. I'm not really in the club.
by Alskar
Mon Jul 21, 2014 12:43 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7012

Re: Implementing Two-Factor Authentication for Fidelity Acco

The rep didn't say yes or no, he just sounded completely clueless. "Two what...?" Is there a department I should be talking to? Call Fidelity at: (800) 673-2938. This will take you directly to the right group. If you want to talk to your regular account executive use this phrase: "Sy...
by Alskar
Mon Jul 21, 2014 12:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Blog:Vanguard index fund security lending in 2013

Great article! Thanks for writing this! I've wondered how Vanguard consistently posts returns that are less than the ER below the index they track. Now I know! I understand how it benefits Vanguard to loan out securities, but I'm not clear what the borrower gets out of this arrangement. I can't see ...
by Alskar
Fri Jul 18, 2014 6:07 pm
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard index fund security lending in 2013
Replies: 16
Views: 1650

Re: Adding Corporates to Total Bond Market Index

I also made a change due solely to what Mr. Bogle said about the total bond fund. About 15 months ago I split my bond holdings in half between Intermediate Term Investment Grade (VFIDX) and Total Bond Mkt (VBTLX). It is has gone from 50/50 to 53/47, respectively. I am pleased with the results. Are ...
by Alskar
Fri Jul 18, 2014 2:27 pm
 
Forum: Investing - Theory, News & General
Topic: Adding Corporates to Total Bond Market Index
Replies: 76
Views: 7012

Re: It is time to retire when you .......

I knew it was time to retire when . . . I was so burned out on my tech job that each time I needed to use the restroom I walked downstairs from my 3rd story office and walked outside to a random restroom on the other side of the campus. Just to get outside and get away. I thought I had invented thi...
by Alskar
Thu Jul 17, 2014 2:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9805

Re: Implementing Two-Factor Authentication for Fidelity Acco

So... do Fido and Vanguard both offer two factor to everyone? Is there a secret club one needs to join? I can't speak for Vanguard, but Fidelity seems to be picking and choosing who they let into the club. I just gave Fidelity a call and they walked me through the steps I listed at the top of this ...
by Alskar
Tue Jul 15, 2014 2:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implementing Two-Factor Authentication for Fidelity Accounts
Replies: 48
Views: 11284

Re: Solar panels, are they worth it?

If there are so many variables that make it difficult to decide cost-efficiency of solar panels before purchase, isn't it easier: 1. To lease solar panels and thus letting solar companies worry about maintenance, degradation, etc? 2. To assume possible monthly saving, however tiny it is, as long as...
by Alskar
Sun Jul 13, 2014 3:57 pm
 
Forum: Personal Consumer Issues
Topic: Solar panels, are they worth it?
Replies: 53
Views: 5218

Re: Brokered CD's vs Bonds

That's right Alskar, if interest rates rise you'll be in a better place with direct CDs. You have this more right than some of your respondents, it's not about intentions or willpower. Not about market pricing either, which merely reflects future opportunity losses; it's all about that early withdr...
by Alskar
Sun Jul 13, 2014 3:27 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2713

Re: Brokered CD's vs Bonds

If you aren't going to sell, why do you care if their NAV fluctuates? Their value at maturity does not change, so how are non-brokered CDs better? Because if the interest rate rises significantly I may wish to sell. If I "sell" (break the CD) a non-brokered CD I just pay the EWP. If I sel...
by Alskar
Fri Jul 11, 2014 8:44 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2713

Re: Brokered CD's vs Bonds

In addition, brokered CDs behave exactly like bonds because they are bonds. They are actually less liquid too. If you are going to do CDs, at least get one with a break fee. That's the answer to my question: A brokered CD is exactly a bond. Thanks! By "break fee" I assume you mean the ear...
by Alskar
Fri Jul 11, 2014 8:35 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2713

Brokered CD's vs Bonds

I decided this was an "Investing Theory" question not a "Personal Investment" question. Please move if I picked the wrong forum. I've been contemplating the purchase of some brokered CD's, but since they can be sold on the open market like bonds, I expect that they would behave l...
by Alskar
Fri Jul 11, 2014 6:58 pm
 
Forum: Investing - Theory, News & General
Topic: Brokered CD's vs Bonds
Replies: 24
Views: 2713

Re: Denver: Visiting and Possible Relocation

Thank you all for the wonderful responses. Regarding PDX, it has certainly changed the last few years. I believe a bunch of http://www.wweek.com/portland/blog-31656-the_death_of_cartopia_brings_the_end_of_the_golden_age_of_food_carts.html foodcart pods are closing down. They're replacing them with ...
by Alskar
Fri Jun 27, 2014 1:44 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denver: Visiting and Possible Relocation
Replies: 25
Views: 1762

Re: Denver: Visiting and Possible Relocation

1) We lived in Portland, OR for a number of years and really liked the neighborhood feeling, where I can walk everywhere--small shops, independently owned cafes, great restaurants, etc. I lived near NW 23rd (Trendythird) if you are familiar with that place. I'm looking for something similar in Denv...
by Alskar
Mon Jun 23, 2014 7:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Denver: Visiting and Possible Relocation
Replies: 25
Views: 1762

Re: It is time to retire when you .......

Woodshark wrote:My favorite answer to "It's time to retire when...." is short, sweet and to the point.

"When you have enough and you've had enough"

+1 Perfection! I don't have enough, but I have had enough which is a bummer.
by Alskar
Fri Jun 20, 2014 5:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: It is time to retire when you .......
Replies: 104
Views: 9805

Re: Late starters: what age did you start investing?

I owe a debt of gratitude to an older engineer I was working with in 1993. I was 32 years old. He worked for AT&T/Bell Labs. This was during the collapse of that once-great institution and he was really sweating his own retirement situation. During lunch one day he asked me how much I was saving...
by Alskar
Fri Jun 20, 2014 3:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Late starters: what age did you start investing?
Replies: 73
Views: 5645

Re: Employee Fiduciary 401k vs. Costco/Intuit 401k

From what they told me, you can get vanguard funds and many others through them (or their custodian MG Trust, more properly,who charges 7bp). If you purchase ETFs, not sure what the cost would be. Any particular place you saw with good SIMPLE 401k or IRA options? We quickly eliminated the SIMPLE 40...
by Alskar
Wed Jun 18, 2014 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee Fiduciary 401k vs. Costco/Intuit 401k
Replies: 29
Views: 6761

Re: Employee Fiduciary 401k vs. Costco/Intuit 401k

Thanks. EF and JF Actuarial seem to cost more than Online 401k. The company is four people. I've seen low cost SIMPLE IRAs out there, not sure I've some across the SIMPLE 401ks (though there doesn't seem to be much difference anyway). Thanks for your help. I never got complete pricing from Online 4...
by Alskar
Wed Jun 18, 2014 7:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: Employee Fiduciary 401k vs. Costco/Intuit 401k
Replies: 29
Views: 6761
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