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Re: Mac Users-evernote app

I use Evernote, but not for taking notes like that. I use it mostly to clip websites, save travel plans, etc. It's a nice tool, I'm not sure how you would find it for note taking.
by JamesSFO
Sun Dec 21, 2014 8:51 am
 
Forum: Personal Consumer Issues
Topic: Mac Users-evernote app
Replies: 14
Views: 1088

Re: Robinhood has Zero-Commissions - are you buying stock?

There is a $75 fee for ACAT (security transfer) OUT, e.g. if you don't like them but don't want a tax hit to move the securities out.
by JamesSFO
Sun Dec 21, 2014 8:50 am
 
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 35
Views: 7342

Re: How to Fix Wrong IRS Taxpayer Identification Number On T

A trust is a separate legal entity, distinct from its trustees and/or beneficiaries. One of your responsibilities as trustees is to make sure you have a tax identification number for your trust. ' The type of taxpayer identification needed for a trust (or an estate) is called an "Employer Iden...
by JamesSFO
Sat Dec 20, 2014 12:13 am
 
Forum: Personal Finance (Not Investing)
Topic: Why Is IRS Aksing For Information Update For Trust?
Replies: 8
Views: 1199

Re: Vanguard's economic and investment outlook [2015]

This is well done by Vanguard (as one would expect)
by JamesSFO
Fri Dec 19, 2014 7:03 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard's economic and investment outlook [2015]
Replies: 21
Views: 2928

Re: We made our own Will

I am an attorney (I'm not your attorney; not legal advice). I've had software generated wills and now an estate attorney generated will (and trust). Overall, the value of the estate attorney generated will was NOT in the documents as such. The software generated will was overall fine. The value was ...
by JamesSFO
Fri Dec 19, 2014 7:43 am
 
Forum: Personal Finance (Not Investing)
Topic: We made our own Will
Replies: 52
Views: 3500

Re: PSA: Distributions -- Why your fund dropped

Public service advisory (PSA): Reminder many Vanguard funds will be doing distributions over the next few days, so your fund may drop in value even if the market is going up. (not that this will stop the threads...) Well, shipmate James, no, this is NOT going to stop those Why Did My Fund Dropped B...
by JamesSFO
Thu Dec 18, 2014 9:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1353

PSA: Distributions -- Why your fund dropped

Public service advisory (PSA): Reminder many Vanguard funds will be doing distributions over the next few days, so your fund may drop in value even if the market is going up.

(not that this will stop the threads...)
by JamesSFO
Thu Dec 18, 2014 11:54 am
 
Forum: Investing - Help with Personal Investments
Topic: PSA: Distributions -- Why your fund dropped
Replies: 14
Views: 1353

Re: Most/Least Boglehead 2014 Activity?

Least? Flying first class with the lovely bride for 5 days in Las Vegas in a huge 2 room suite with awesome strip views. Gambling like we didn't care and still coming home with only $200 less cash than I arrived with. Most? Still taking the huge hit in international/small cap/emerging markets in my...
by JamesSFO
Thu Dec 18, 2014 8:32 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: Problems with Fidelity Backdoor

bslice wrote:...Something to keep in mind if you are planning this before year end...


:confused

Keep in mind that folks have until April 15, 2015 to make a 2014 IRA contribution and the date of conversion is irrelevant for a backdoor Roth.
by JamesSFO
Thu Dec 18, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Problems with Fidelity Backdoor
Replies: 12
Views: 1577

Re: ETFs vs Mutual Funds

.... You can buy the One Source ETFs with no commissions, you can reinvest distributions, Most brokers have some lineup of ETFs with no commissions and offer dividend reinvestment, e.g. TD Ameritrade and Vanguard offer Vanguard ETFs with no fees. Fidelity offers iShares, etc. and you can own fracti...
by JamesSFO
Tue Dec 16, 2014 10:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: ETFs vs Mutual Funds
Replies: 10
Views: 914

Re: No Foreign Fee Credit Card - Exchange Rate

My main questions is about the no foreign transaction fee deal. Since I am not paying a foreign transaction fee are they just sticking it to you on the exchange rate or is the exchange rate competitive? Generally you are paying some sort of inter-bank rate. So there is not a markup as such it is so...
by JamesSFO
Tue Dec 16, 2014 10:36 pm
 
Forum: Personal Consumer Issues
Topic: No Foreign Fee Credit Card - Exchange Rate
Replies: 15
Views: 1184

Re: Upcoming distributions and TLH

Is avoiding buying right before a distribution really something to be concerned about in most cases? Yes, you have to pay tax on the distribution but as it adds to your cost basis don't you pay less tax when you finally sell? Vanguard in particular has mitigated this by moving more funds to a quart...
by JamesSFO
Tue Dec 16, 2014 10:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Upcoming distributions and TLH
Replies: 17
Views: 1322

Re: Traditional IRA to 401K?

Won't the T-IRA affect your "mega backdoor roth" conversion proportional to the size of the T-IRA vs. the conversion?
by JamesSFO
Tue Dec 16, 2014 10:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA to 401K?
Replies: 9
Views: 584

Re: Medallion Signature Guarantee

I find I have great luck with medallion guarantees by playing a bit dumb, "I'm not really sure what this is for" or "I was told I need this but it's not a notary" and never had a problem. YMMV.
by JamesSFO
Tue Dec 16, 2014 10:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Medallion Signature Guarantee
Replies: 41
Views: 4521

Re: Can I move a Fidelity Solo 401k to VG?

VG ETFs can NOT be purchased in a VG solo 401K. Yes you can move the Solo 401K make sure to push hard on VG about this because they may get confused about what you are asking and try to do a rollover. If you are going to do this, work with Fidelity and make sure you get Fidelity's form letter reques...
by JamesSFO
Tue Dec 16, 2014 8:38 am
 
Forum: Investing - Help with Personal Investments
Topic: Can I move a Fidelity Solo 401k to VG?
Replies: 3
Views: 312

Re: Five questions to determine Financial Health

I'm puzzled by Q # 4. Does liquid include retirement accounts? Many people on this forum may have hefty retirement accounts that they can't access when they need a cash infusion. If retirement accounts are considered illiquid and they are bulging, it may not make sense to have 10% of all assets in ...
by JamesSFO
Mon Dec 15, 2014 8:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: Five questions to determine Financial Health
Replies: 7
Views: 980

Re: Vanguard "upgrades" to brokerage accounts

See this longer thread: https://www.bogleheads.org/forum/viewtopic.php?f=10&t=148317 I had recently set up an IRA and was disappointed to hear that Vanguard does not offer mutual fund accounts so I had to open the account at Fidelity, who do offer this type of account if you ask them for a form....
by JamesSFO
Mon Dec 15, 2014 8:17 pm
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 253
Views: 17085

Re: Most/Least Boglehead 2014 Activity?

VictoriaF wrote:I have retired in 2014. It's "the" something, but I can't determine if it's the most or the least.

Victoria


It can be both at the same time. Congratulations again!
by JamesSFO
Mon Dec 15, 2014 3:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: Most/Least Boglehead 2014 Activity?

Most: Held all my bonds in tax-deferred Least: Received an inheritance and am holding some muni's in taxable even though I have tax-deferred space to hold bonds. A controversial topic considering low bond yields. I've been giving a lot of thought to this strategy and will likely sell the muni's and...
by JamesSFO
Mon Dec 15, 2014 11:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: 100% equities - my reasoning

http://i58.tinypic.com/34i4ro3.jpg <snip> These sorts of charts make the reduced returns look less significant than they really are because they ignore the effects of compounding. Over 30 years, that 30 basis point difference in returns results in the all-stock investor having a portfolio that is a...
by JamesSFO
Sun Dec 14, 2014 11:03 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5942

Re: The Wealthfront Direct Indexing Platform

Yes, and great steps for new young investors, which is part of the Wealthfront / Betterment schtick. I feel like Vanguard is missing a great opportunity by learning how both of those companies have engaged that market. Making vanguard.com less intimidating taking some cues from wealthfront and bett...
by JamesSFO
Sun Dec 14, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 22
Views: 2751

Re: Most/Least Boglehead 2014 Activity?

CuteClassyCleverChic wrote:Love reading this thread! Thanks all for sharing!


Yes, I must confess even as the OP here I'm continuing to enjoy and learn from the stories in this one. Thanks fellow BH'ers for continuing to share. Lots of actionable thoughts of things to do differently/keep doing in 2015.
by JamesSFO
Sun Dec 14, 2014 10:57 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: 100% equities - my reasoning

Recommended reading: "Vanguard’s framework for constructing diversified portfolios" Source: https://institutional.vanguard.com/iam/pdf/ICRPC.pdf?cbdForceDomain=true Date: April 2013 Figure 2 is helpful: http://i58.tinypic.com/34i4ro3.jpg Having say 20% bonds (80/20) only cuts about 0.6% of...
by JamesSFO
Sun Dec 14, 2014 4:59 pm
 
Forum: Investing - Theory, News & General
Topic: 100% equities - my reasoning
Replies: 91
Views: 5942

Re: I'm an Irrational Bond Chicken Little

Past performance != future performance but here's VG Total Bond Index Investor shares going back to 1986 (source monringstar): http://i60.tinypic.com/1jkvfq.jpg So the lowest the price ever went as around $8.80 in the late 80's and the highest it ever went was around $11 in 2012. It seems to me that...
by JamesSFO
Sun Dec 14, 2014 11:03 am
 
Forum: Investing - Help with Personal Investments
Topic: I'm an Irrational Bond Chicken Little
Replies: 32
Views: 2945

Re: Most/Least Boglehead 2014 Activity?

Again this is really enjoyable to see and I'm chuckling at some, nodding at others, and making a list of what NOT to do, and some things TO do. Checking my portfolio size less would be a good one.
by JamesSFO
Sun Dec 14, 2014 1:15 am
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: Most/Least Boglehead 2014 Activity?

These are great stories, keep 'em coming.
by JamesSFO
Sat Dec 13, 2014 7:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Most/Least Boglehead 2014 Activity?

It's nearing the end of the year, just wondering if people want to come clean with either their most/least Boglehead-ish activity of the year? For me, most: staying the course; least: investing about $5K in Prosper loans again (previously lost a bunch of money in 2005-2007 time frame, convinced myse...
by JamesSFO
Sat Dec 13, 2014 6:21 pm
 
Forum: Personal Finance (Not Investing)
Topic: Most/Least Boglehead 2014 Activity?
Replies: 92
Views: 8284

Re: Wealthfront Direct Indexing Platform

Would love a Boglehead take on things.. According to the blog, over $500 million has been invested in Wealthfront 500 accounts. Perhaps someone will share their experience. According to the blog people investing at the $100K level don't even get a marketing promise of "up to X%" additiona...
by JamesSFO
Sat Dec 13, 2014 12:51 am
 
Forum: Investing - Theory, News & General
Topic: Wealthfront Direct Indexing Platform
Replies: 22
Views: 2751

Re: My first non fee adivsor meeting..confused

http://smallbiz.vanguard.com

Will allow you to quickly open a Solo/Individual 401K.
by JamesSFO
Fri Dec 12, 2014 11:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: My first non fee advisor meeting..confused
Replies: 35
Views: 4640

Re: Multiple Backdoor Roth Conversions During Year

The biggest problem with that many transactions is you'll get a detail wrong, like there being 26 two week periods in a year. :twisted: What's wrong with this detail? I had a lot of years with 26 pay periods. Most of them, in fact. But I agree with "too many transactions - lots of room to mess...
by JamesSFO
Fri Dec 12, 2014 8:31 am
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Backdoor Roth Conversions During Year
Replies: 12
Views: 699

Re: Multiple Backdoor Roth Conversions During Year

I think you can do this, your IRA custodian may get irked about this.
by JamesSFO
Thu Dec 11, 2014 10:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Multiple Backdoor Roth Conversions During Year
Replies: 12
Views: 699

Re: Robinhood has Zero-Commissions - are you buying stock?

BTW the application has launched on iOS and they are letting customers on slowly. I'm certainly curious how it will play out. I believe ETFs can be traded as well as stocks and spreads are important as noted.
by JamesSFO
Thu Dec 11, 2014 1:50 pm
 
Forum: Investing - Theory, News & General
Topic: Robinhood has Zero-Commissions - are you buying stock?
Replies: 35
Views: 7342

Re: Why are high 401k fees maintained in competitive equilib

It's tricky, there is something of a fixed cost of offering a 401K plan which is on the order of say $2K/year minimum. Someone has to bear that cost. If you go to Vanguard and you are a small employer they will try to send you somewhere else because their minimums start around $3-6K to run the plan...
by JamesSFO
Wed Dec 10, 2014 2:02 pm
 
Forum: Investing - Theory, News & General
Topic: Why are high 401k fees maintained in competitive equilibrium
Replies: 46
Views: 2188

Re: Book suggestion for buying primary home

Nolo's "How to Buy a House in California" was helpful to me - http://www.amazon.com/How-House-Califor ... 413318258/

YMMV in other states
by JamesSFO
Wed Dec 10, 2014 10:47 am
 
Forum: Personal Consumer Issues
Topic: Book suggestion for buying primary home
Replies: 13
Views: 881

Re: Why are high 401k fees maintained in competitive equilib

Unless of course it's not a simple passing of costs, but a passing and an amplification of cost. That is, when the employee gets charged instead of the firm, are the total 401k costs higher? I would suspect so. Standard 401k fees are in the 1.5% ballpark. Vanguard is 0.05%. I doubt that if an emplo...
by JamesSFO
Tue Dec 09, 2014 11:32 pm
 
Forum: Investing - Theory, News & General
Topic: Why are high 401k fees maintained in competitive equilibrium
Replies: 46
Views: 2188

Re: Treasury Direct - Help

There isn't one, I would print the list and push back on the mortgage broker you aren't the first person to have TD accounts and run across this the lender will deal.
by JamesSFO
Tue Dec 09, 2014 11:24 pm
 
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct - Help
Replies: 8
Views: 642

Amerivest Fee Rebate

Looks like Amerivest is going to be offering fee rebates if their model portfolios have 2 successive quarters of losses. Saw an ad about it tonight. Apparently Schwab has some sort of similar model. Interesting conceptually, not sure it fully solves the misalignment problem between investors and adv...
by JamesSFO
Tue Dec 09, 2014 10:05 pm
 
Forum: Personal Finance (Not Investing)
Topic: Amerivest Fee Rebate
Replies: 0
Views: 139

Re: I need to accumulate $30k over the next 2 years, how?

Vanguard LifeStrategy Income would be a good choice, assuming that you're comfortable with the idea of small potential losses. The maximum loss over the last forty-odd years for a 20/80 portfolio (like the LS Income fund) has been about -15%. As a worst case scenario, that would mean an extra three...
by JamesSFO
Tue Dec 09, 2014 9:21 am
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4038

Re: Are ETFs a good addition to Roth IRA

I think you need to separate the issues: (1) Should you hold more than the TR2050 fund? Answer, edit your original post to provide the normal asking portfolio questions. (2) Assuming that you should hold other funds, are ETFs the way to do it? As a novice investor ETFs can be a tad more intimidating...
by JamesSFO
Tue Dec 09, 2014 9:19 am
 
Forum: Investing - Theory, News & General
Topic: Are ETFs a good addition to Roth IRA
Replies: 16
Views: 1216

Re: Vanguard ETF trading restriction question

Call and ask, their phones are open right now....

Code: Select all
Call 877-662-7447
Monday to Friday
8 a.m. to 10 p.m., Eastern time
Saturday
9 a.m. to 4 p.m. Eastern time
by JamesSFO
Tue Dec 09, 2014 9:10 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard ETF trading restriction question
Replies: 4
Views: 288

Re: I need to accumulate $30k over the next 2 years, how?

If you insist on taking risk which may give you an extra $1000 in earnings but could lose you $9k in the process then look at a Target Retirement fund. Pick the one that matches the allocation you think is the right one for you. Laura I am not insisting on anything, I am just trying to answer peopl...
by JamesSFO
Mon Dec 08, 2014 9:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: I need to accumulate $30k over the next 2 years, how?
Replies: 59
Views: 4038

Re: Vanguard Flagship rep

I had the same rep for ~8 years, then one for like 6 months, and a new one for a while. The new one is really good, hope I don't lose him.
by JamesSFO
Mon Dec 08, 2014 6:13 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Flagship rep
Replies: 26
Views: 5741

Re: Anyone Had Experience with CIT Bank?

I have their online savings account, my grandmother has their online account PLUS some CDs. Their website is a bit antiquated but overall they pay out well and are working on improving. No way to use them as a checking account.
by JamesSFO
Sun Dec 07, 2014 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone Had Experience with CIT Bank?
Replies: 5
Views: 443

Re: Is it safe to leave Laptop in hotel room

I've done it in hotels throughout the world including third world countries, never a problem.
by JamesSFO
Sat Dec 06, 2014 5:49 pm
 
Forum: Personal Finance (Not Investing)
Topic: Is it safe to leave Laptop in hotel room
Replies: 65
Views: 8054

Re: lending club

I am skeptical that a bunch of amateurs on the Internet can price loans better than banks/credit card companies etc. And yes, I think it'll be cyclical, whenever the next recession is about to start, I suspect people will get burned badly. I think the hard part is that lending club/prosper make mon...
by JamesSFO
Wed Dec 03, 2014 8:06 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 4029

Re: lending club

I am quite fond of LendingClub. Been doing it almost two years, right after I saw a number of comments on this board discouraging it without good reason. I figured if such a bright group of people were shying away from it and were clearly wrong in their analysis, then it had to be a good investment...
by JamesSFO
Wed Dec 03, 2014 3:26 pm
 
Forum: Investing - Theory, News & General
Topic: lending club
Replies: 50
Views: 4029

Re: Bogleheads.org android / iphone app

The Bogleheads.org experience on Safari for iPhone 6 plus (my new mobile device) is great, and obviates the need for an app, in my opinion. I disagree. If you've ever used either a dedicated app or Tapatalk, you may realize the mobile experience could be better. I have an iPhone 6, and though funct...
by JamesSFO
Tue Dec 02, 2014 10:21 am
 
Forum: Forum Issues and Administration
Topic: Bogleheads.org android / iphone app
Replies: 23
Views: 2705

Re: Schiller's data set and the Facts of the Matter

Presumably this is why CRSP (http://www.crsp.com/) [center for research in security prices] @ Univ of Chicago exists and charges for its data.
by JamesSFO
Tue Dec 02, 2014 1:38 am
 
Forum: Investing - Theory, News & General
Topic: [Shiller's] data set and the Facts of the Matter
Replies: 14
Views: 1669
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