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Re: Fidelity Enhances Passwords

Does this mean they no longer support phone number password entry? They were previously converting chosen passwords to keypad digit form (i.e. just numeric, not alphanumeric) in order to support entry by touch tone phone. I don't imagine there is much demand for that anymore. I was told they still ...
by Alskar
Fri Oct 03, 2014 7:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1602

Re: Fidelity Enhances Passwords

Fidelity recently enhanced the complexity of passwords on their accounts. They increased the maximum password length to 20 characters and they now REQUIRE at least one of a few select "special characters". Previously, passwords were limited to 12 alpha-numeric characters (no special chara...
by Alskar
Fri Oct 03, 2014 6:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1602

Re: Fidelity Enhances Passwords

G-Force wrote:Their password security before this change was a joke.

I completely agree. That's why I'm using two-factor authentication on my Fidelity accounts.
by Alskar
Fri Oct 03, 2014 6:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1602

Re: Fidelity Enhances Passwords

Does this mean they no longer support phone number password entry? They were previously converting chosen passwords to keypad digit form (i.e. just numeric, not alphanumeric) in order to support entry by touch tone phone. I don't imagine there is much demand for that anymore. I was told they still ...
by Alskar
Fri Oct 03, 2014 6:04 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1602

Fidelity Enhances Passwords

Fidelity recently enhanced the complexity of passwords on their accounts. They increased the maximum password length to 20 characters and they now REQUIRE at least one of a few select "special characters". Previously, passwords were limited to 12 alpha-numeric characters (no special charac...
by Alskar
Thu Oct 02, 2014 5:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Enhances Passwords
Replies: 11
Views: 1602

Re: Unable to access Vanguard funds

I'll grant you that I have never had this problem, but I suspect there is a communication problem here. The OP should continue to call Vanguard to seek a resolution with account numbers in hand. The OP wrote he had already contact Vanguard 7 times, hence his frustration. This issue is apparently no...
by Alskar
Mon Sep 29, 2014 6:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unable to access Vanguard funds
Replies: 6
Views: 549

Re: Can/Should Vanguard Provide the advice and services I ne

There a several threads on this topic. Use the search box to find them. The Vanguard small business plan is going to be pretty expensive for just 7 employees. Employee Fiduciary ( http://www.employeefiduciary.com/ ) and The Online 401k ( http://www2.theonline401k.com/ ) are probably better options f...
by Alskar
Mon Sep 29, 2014 5:50 pm
 
Forum: Personal Finance (Not Investing)
Topic: Can/Should Vanguard Provide the advice and services I need?
Replies: 7
Views: 655

Re: Unable to access Vanguard funds

This thread has more information on your situation: viewtopic.php?f=2&t=144837

What you've experienced sounds exactly like what arkady225 experienced. Maybe a PM to him would be helpful?
by Alskar
Mon Sep 29, 2014 5:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Unable to access Vanguard funds
Replies: 6
Views: 549

Re: Advice for a Vanguard 401(k) plan?

I believe that Vanguard/Ascensus do offer advising services for a fee - this is something you could look into if you think it is important enough for your company. This is correct. I just looked up the costs: There is a 0.15% "Annual service facilitation fee" and a 0.30% "Annual fee ...
by Alskar
Thu Sep 11, 2014 8:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 399

Re: Advice for a Vanguard 401(k) plan?

We are in the middle of transitioning from a high cost 401(k) plan to Vanguard via Ascensus. This will GREATLY decrease our fees. Some of our employees are a bit concerned, as we no longer have a high priced advisor, and they want to make sure they are "investing appropriately" Does anyon...
by Alskar
Thu Sep 11, 2014 7:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: Advice for a Vanguard 401(k) plan?
Replies: 5
Views: 399

Re: Trying to get my company to switch to Vanguard 401(k)

My company has ~70 employees and recently switched to ADP with mostly Vanguard index funds. That's interesting. My current employer has an ADP plan, but none of the funds in the plan are Vanguard. The fund with the lowest ER in our ADP plan is a commingled S&P 500 fund from SSGA with an ER of 0...
by Alskar
Thu Sep 11, 2014 1:38 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

Re: Trying to get my company to switch to Vanguard 401(k)

Can you give me any recommendations for a plan administrator for a company of around 70 employees? The funds in my 401k are pretty awful, and I am trying to talk to them to make a switch to an administrator which offers more index funds. Thanks. The Vanguard small-business plan we've been discussin...
by Alskar
Wed Sep 10, 2014 6:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

Re: Trying to get my company to switch to Vanguard 401(k)

You might want to try Fidelity. I convinced my company (200 employee) to switch about 3 years ago from ING to Fidelity. Fidelity told me that they generally are not competitive for plans with less than 200 employees. The plan I'm currently in has only ~120 participants. In any case, I have all of m...
by Alskar
Wed Sep 10, 2014 5:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

Re: Trying to get my company to switch to Vanguard 401(k)

Alskar: Thanks for this detailed info. I have also been looking for the cost picture as I'm sure my company's provider is non-optimal (401k established in 2001). Can you clarify two things with the pricing? 1) Which charges are recurring, and which are one-time? 2) Without any additional features (...
by Alskar
Wed Sep 10, 2014 5:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

Re: Trying to get my company to switch to Vanguard 401(k)

Alskar , do you have a source/link for those numbers? Also do you know if it is different for 403b's? (My employer enquired about Vanguard being a 403b provider and was told it would cost >$100 per participant.) I don't have a link to them, but I got them directly from John Lent at Vanguard in Phoe...
by Alskar
Tue Sep 09, 2014 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

Re: Trying to get my company to switch to Vanguard 401(k)

OP: Please search this forum and the wiki as this topic has been discussed at length very recently. There are at least three recent threads on this topic. Vanguard is extremely transparent about their 401k plan. They openly say that the record keeper is Acensus. The cost of the Vanguard 401k plan ar...
by Alskar
Thu Sep 04, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Trying to get my company to switch to Vanguard 401(k)
Replies: 24
Views: 2032

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: 12262

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: 12262

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: 2492

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: 5521

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: 16444

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: 5257

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: 2492

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: 94
Views: 11887

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: 2492

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: 12262

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: 2492

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: 12262

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: 2492

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: 3922

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: 2492

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: 2492

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: 2152

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: 94
Views: 11887

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: 2152

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: 2152

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: 2535

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: 2629

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: 11306

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: 1044

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: 1044

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: 3572

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: 7179

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: 6605

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: 624

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: 1733

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: 7179

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: 1733

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: 1733

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: 7179
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