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Re: Fidelity Rewards Amex Activation Experience

Keep in mind that this card is serviced by FIA Card Services (formerly MBNA; now owned by Bank of America) not Fidelity.
by JamesSFO
Sat Nov 22, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Fidelity Rewards Amex Activation Experience
Replies: 20
Views: 1112

Re: After-tax Solo 401k Custodians

Got it now, I suspect the $ spent on the custom 401K to allow this are going to be pricey.
by JamesSFO
Fri Nov 21, 2014 4:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax Solo 401k Custodians
Replies: 7
Views: 610

Re: After-tax Solo 401k Custodians

If you are making $80-100K why wouldn't you want the tax deduction? One of the reasons people here get so excited about after tax contributions-to-Roth is that they cannot do the deferral at all. It's not clear to me that if you have the option of say deferring an extra $5K (over the $18K for 2015) ...
by JamesSFO
Fri Nov 21, 2014 4:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax Solo 401k Custodians
Replies: 7
Views: 610

Re: repositioning cruise to Europe?

I would not normally describe a transatlantic cruise as a repositioning cruise, but rather as a transatlantic. Usually a repositioning cruise refers to shorter 1-3 day affairs where a ship is moved for PVSA (passenger vessel services act) purposes e.g. Vancouver to Seattle or vice versa. A transatla...
by JamesSFO
Fri Nov 21, 2014 2:40 pm
 
Forum: Personal Consumer Issues
Topic: repositioning cruise to Europe?
Replies: 11
Views: 1318

Re: After-tax Solo 401k Custodians

Is there some reason you wouldn't want to try and just get all $52K (2014; $53K 2015) in as deductible if you are making enough money?
by JamesSFO
Fri Nov 21, 2014 12:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: After-tax Solo 401k Custodians
Replies: 7
Views: 610

Re: Proposed Lifetime Retirement Investment Approach

I'm not sure I understand the proposal entirely, what I'm getting is that from age 25-40, 100% stocks + mostly Roth tax sheltered investing, from age 40+ invest new money in bonds so you gradually get bonds. It seems like this is just a weird glide slope, is there some particular reason that this gl...
by JamesSFO
Fri Nov 21, 2014 12:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: Proposed Lifetime Retirement Investment Approach
Replies: 28
Views: 2210

Re: fidelity refusing custodian custodian rollover

It never ceases to amaze me the wonderful knowledge of the collective minds at Bogleheads. So first off, I'd like to thank everyone for their input. Boiling down the salient points from our discussion, I took from all the comments: 1. It's 60, not 30 days for the check to make its way from old cust...
by JamesSFO
Fri Nov 21, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: fidelity refusing custodian custodian rollover
Replies: 35
Views: 2790

Re: An alternative to alternative investments [QSPIX]

I'm not sure if these articles have been posted before, if so, apologies. The first two articles explain in very simple terms exactly what the fund is supposed to do for your portfolio. Essentially it's the diversification Holy Grail: increase returns while reducing volatility. The price of this ma...
by JamesSFO
Thu Nov 20, 2014 4:33 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 86
Views: 5365

Re: An alternative to alternative investments [QSPIX]

mhalley wrote:I'm seeing an er of 2.11 on my fidelity account. Must need to put in the 5 mill go get that low 1.5 er.
Mike


No, that's the ER before the cap of 1.5.
by JamesSFO
Wed Nov 19, 2014 7:24 pm
 
Forum: Investing - Theory, News & General
Topic: An alternative to alternative investments [QSPIX]
Replies: 86
Views: 5365

Re: Help Beginner Investment with Fidelity

livesoft wrote:Why not just use the Vanguard Target Retirement 2050 fund for your 401(k) money?


Presumably it's not an option in his Fidelity 401K? :shock:
by JamesSFO
Wed Nov 19, 2014 5:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Beginner Investment with Fidelity
Replies: 10
Views: 752

Re: Help Beginner Investment with Fidelity

The fund you listed (Fidelity Freedom® 2050) is a mishmash of stuff, it is not an index fund, I would strongly consider: Fidelity Spartan Total Market Index Fund (FSTVX) Fidelity Spartan Global ex U.S. Index Fund (FSGDX) and a small amount of bonds if desired. If you are a beginning you really aren'...
by JamesSFO
Wed Nov 19, 2014 12:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help Beginner Investment with Fidelity
Replies: 10
Views: 752

Re: Should you use a 401k if you'll def. be in a higher brac

Thanks for the replies so far. I wasn't specific to begin with so I apologize for the confusion. This question is based in reality but I was purposefully vague because it's a mental exercise, not a question seeking advice. I started thinking about this while talking to a 28yo friend expecting a low...
by JamesSFO
Wed Nov 19, 2014 9:22 am
 
Forum: Investing - Theory, News & General
Topic: Should you use a 401k if you'll def. be in a higher bracket?
Replies: 18
Views: 2320

Re: Actual experience with California probate court?

Edit to add, Nolo Press has a good summary of the statutory fees, $21K for a $900K estate even with a mortgage -- http://www.nolo.com/legal-encyclopedia/california-probate-an-overview.html Again, if you can do it without legal help (not all can) may be fine to use a will; but there is NO universe in...
by JamesSFO
Tue Nov 18, 2014 10:45 pm
 
Forum: Personal Finance (Not Investing)
Topic: Actual experience with California probate court?
Replies: 8
Views: 833

Re: Actual experience with California probate court?

CA Attorney here, not your attorney, not legal advice, not a will/trust attorney.... But the will/trust attorneys in CA I consulted all recommend revocable trust if you own a house. As I recall from the last time I researched this it was a mix of the statutory fees for probate if an attorney was use...
by JamesSFO
Tue Nov 18, 2014 10:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: Actual experience with California probate court?
Replies: 8
Views: 833

Re: Chip and Signature (not PIN) in Europe

PenFed card works in unattended kiosks throughout Europe, you do set PIN when applying for the card and recently when we were there in last 90 days, didn't get prompted for PIN even.
by JamesSFO
Tue Nov 18, 2014 12:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: Chip and Signature (not PIN) in Europe
Replies: 15
Views: 775

Re: VBS upgrade roll out has started

I got the e-mail last week, "Action requested on your accounts by XX, 2014" It seems like there's little benefit if I had no complaints and the possibility for downsides, lost ability to do things I can do now, etc. So, how do I decline it? Just let it pass? Call the rep and say no thanks...
by JamesSFO
Mon Nov 17, 2014 10:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13132

Re: VBS upgrade roll out has started

Thanks James. The approach you describe sounds straightforward. Just curious- what is your thinking around creating a new combined account and transferring stocks and funds into it, versus just taking the existing mutual fund account and transferring the stocks into that? Alansteven Reusing either ...
by JamesSFO
Mon Nov 17, 2014 9:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13132

Re: VBS upgrade roll out has started

If you use quicken MAKE a new account for the merged brokerage. Basically download all of the holdings into "Old Q MF" and "Old Brokerage" de-active both. And create a new account, e.g. "New Combined" and move shares of everything but your settlement account over in Qui...
by JamesSFO
Mon Nov 17, 2014 5:26 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13132

Re: is 3.20% Vanguard brokered CD best deal around?

It is not right to compare the 2 I guess, because they are just different, but purpose of the thread is not to compare them , So why did you compare them? You seemed to want to thump your chest about the performance of your CDs... the purpose of the thread is to ... ...IMHO, as with many of your th...
by JamesSFO
Sun Nov 16, 2014 6:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: is 3.20% Vanguard brokered CD best deal around?

I'm still not understanding YOUR original statement where you said this year YOUR 4% CD's were outperforming the [US] stock market. I understand your entire lecture, I'm not trying to talk you out of your buckets, I'm just asking what you were trying to say above. all I was saying that in 3 months ...
by JamesSFO
Sun Nov 16, 2014 5:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: is 3.20% Vanguard brokered CD best deal around?

.... but I agree, stock market returned less than my 4% CDs this year so far hardly killing it.... .... just to clarify further, I am not down YTD in fact I am up 10.1% last I checked (probably more now) but I am down in a 3 months time span... Ah so the facts are shifting again, I took your origin...
by JamesSFO
Sun Nov 16, 2014 4:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: ETF=passive, while mutual funds (including index) = acti

Series 7... https://en.wikipedia.org/wiki/Series_7_Exam Or from the SEC http://www.sec.gov/answers/series7.htm Individuals who want to enter the securities industry to sell any type of securities must take the Series 7 examination—formally known as the General Securities Representative Examination....
by JamesSFO
Sun Nov 16, 2014 4:32 pm
 
Forum: Investing - Theory, News & General
Topic: ETF=passive, while mutual funds (including index) = active ?
Replies: 7
Views: 765

Re: is 3.20% Vanguard brokered CD best deal around?

.... but I agree, stock market returned less than my 4% CDs this year so far hardly killing it.... .... just to clarify further, I am not down YTD in fact I am up 10.1% last I checked (probably more now) but I am down in a 3 months time span... Ah so the facts are shifting again, I took your origin...
by JamesSFO
Sun Nov 16, 2014 3:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: Needed: Vanguard solo 401k document before latest revisi

PM me for email and I will send the 2010 version
by JamesSFO
Sun Nov 16, 2014 1:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Needed: Vanguard solo 401k document before latest revisions
Replies: 1
Views: 184

Re: Vanguard Individual 401K Rollovers

Just got off the phone with Vanguard rep - he told me that the Vanguard Individual/Solo 401K does not accept rollovers? I have a Rollover (traditional) IRA that I would like to roll into my Individual 401K. I am reading the 401(K) Basic Plan Document, page 36 covers rollover contributions, first li...
by JamesSFO
Sun Nov 16, 2014 1:17 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Individual 401K Rollovers
Replies: 31
Views: 2450

Re: is 3.20% Vanguard brokered CD best deal around?

.... but I agree, stock market returned less than my 4% CDs this year so far hardly killing it.... :confused https://www.google.com/webhp?sourceid=chrome-instant&ion=1&espv=2&ie=UTF-8#q=vtsax VTSAX (VG Total Stock Admiral Shares) has a YTD return of 11.10% according to google. And Morni...
by JamesSFO
Sun Nov 16, 2014 1:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: is 3.20% Vanguard brokered CD best deal around?

I do have a bucket portfolio, and I am happy with it, not interested in looking at it as a one big piece, I have 3 pieces and I manage them separately from each other... I posted on here my retirement piece of portfolio with 11 funds that I have in it, but basically Vanguard stock/bond/fixed with t...
by JamesSFO
Sun Nov 16, 2014 9:43 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: is 3.20% Vanguard brokered CD best deal around?

My stock portfolio lost 11% in end of Sept/Oct, and even in November when we had a record run and I made 2 new deposits the value still is not back up to even... now that's a real risk that can show up very quickly and not only jeopardize purchasing power, it jeopardizes the initial investment in a...
by JamesSFO
Sun Nov 16, 2014 9:07 am
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: Vanguard Brokerage or Mutual Funds?

If you don't plan to invest in individual stocks or ETFs then just politely decline.
by JamesSFO
Sat Nov 15, 2014 8:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard Brokerage or Mutual Funds?
Replies: 16
Views: 923

Re: is 3.20% Vanguard brokered CD best deal around?

https://www.depositaccounts.com/cd/6-year-cd-rates.html

has various options, also PenFed will probably do its rate specials in December (timing may be off for you)
by JamesSFO
Sat Nov 15, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: is 3.20% Vanguard brokered CD best deal around?
Replies: 48
Views: 4238

Re: Best CD Inside a 529 College Savings Plan?

California's plan also has a stable value fund - https://www.scholarshare.com/

Looks like it may be lower than the one mentioned above, it's the Principal Plus investment
by JamesSFO
Sat Nov 15, 2014 9:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Best CD Inside a 529 College Savings Plan?
Replies: 5
Views: 567

Re: VBS upgrade roll out has started

"Rabbi, can't we just pretend you turned me away three times?" LOL. :sharebeer Yeah, I think basically it is discretionary right now for Flagship reps to do this. It's a huge help though in terms of the number of accounts I have which went down from like 8 to 3. My parents went from like ...
by JamesSFO
Sat Nov 15, 2014 8:06 am
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13132

Re: Conflicting Free FICO Scores

What FICO score am I seeing on my DISCOVER CARD bill? Read the linked piece here: There is more than one type of FICO score. Barclaycard gives the FICO 8 score, with a range of 300 to 850. PenFed gives the FICO NextGen score, with a range of 150 to 950. Source: http://ficoforums.myfico.com/t5/Under...
by JamesSFO
Sat Nov 15, 2014 8:04 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 994

Re: VBS upgrade roll out has started

BTW I got my account upgraded (Flagship) but it took some pestering, minimal fuss in Quicken and all is well. Much easier to have one single account like at Fidelity and elsewhere for all of my holdings of one type. Where did you start with the pestering? I can't find the right button to push. I em...
by JamesSFO
Fri Nov 14, 2014 8:35 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 92
Views: 13132

Re: Conflicting Free FICO Scores

At 819 and 798 these aren't really problems. Your scores could potentially be higher but at 760 on the 850 scale you're already getting the best terms. I'm not sure what the equivalent would be on the NextGen scale. Yes, I'm not actually deeply concerned. I was more confused the link provided earli...
by JamesSFO
Fri Nov 14, 2014 11:00 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 994

Re: 401k Rollover to T-IRA, Backdoor Roth, and Pro-Rata

retiredjg wrote:However, if you do keep the old 401k, you will always have a good storage place for any future 401k plans that you need to rollover.


I've not seen 401K plans generally accept incoming rollovers when the participant has left the plan. Otherwise agree with retiredjg
by JamesSFO
Fri Nov 14, 2014 8:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k Rollover to T-IRA, Backdoor Roth, and Pro-Rata
Replies: 20
Views: 1392

Re: Chip and Pin: busted by hackers before it's even here

Here's another security vulnerability report on spoofing EMV, it is related to the UK research paper but another example of problems: http://krebsonsecurity.com/2014/10/replay-attacks-spoof-chip-card-charges/ In this case it looks like an implementation error, but still this quote at the end is a he...
by JamesSFO
Fri Nov 14, 2014 8:00 am
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1490

Re: Chip and Pin: busted by hackers before it's even here

Actually there is a variety of evidence that Chip & PIN is not in fact as safe as the banks claim: News summary: http://www.darkreading.com/vulnerabilities---threats/flaws-in-emv-chip-and-pin-undercut-security/d/d-id/1269155 Research paper on vulnerability: http://www.cl.cam.ac.uk/~sjm217/papers...
by JamesSFO
Fri Nov 14, 2014 7:56 am
 
Forum: Personal Consumer Issues
Topic: Chip and Pin: busted by hackers before it's even here
Replies: 17
Views: 1490

Re: Conflicting Free FICO Scores

You can create a FICO score from looking at different credit reports. Is there some kind of inconsistency in how the agencies are reporting your credit report? I recognize this, I naïvely assumed that the "product" FICO was delivering to the credit card companies for the free credit score...
by JamesSFO
Fri Nov 14, 2014 12:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 994

Re: Conflicting Free FICO Scores

There is more than one type of FICO score. Barclaycard gives the FICO 8 score, with a range of 300 to 850. PenFed gives the FICO NextGen score, with a range of 150 to 950. Source: http://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/The-many-flavors-of-FICO-Editions-versions-and-variations/td...
by JamesSFO
Fri Nov 14, 2014 12:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 994

Conflicting Free FICO Scores

So I now have two banking products that provide true FICO scores (a PENFED visa and Barclays Visa), but the two show different points, I find that confusing because I would have assumed that both FICO scores would be using the same credit report + model. Apparently not. Also confusingly I am being t...
by JamesSFO
Fri Nov 14, 2014 12:17 am
 
Forum: Personal Finance (Not Investing)
Topic: Conflicting Free FICO Scores
Replies: 11
Views: 994

Re: Company changing 401K provider. Time for in-service r/o?

Bucket 1. The old plan stunk compared to my existing Vanguard rollover IRA selections. As long as there are no hidden expenses, and based on earlier responses from folks, these BR CT Indexes appear good. Glad you are happy; FWIW, I've never heard of a plan allowing rollovers of Bucket 1 pre-59.5 wi...
by JamesSFO
Thu Nov 13, 2014 12:37 pm
 
Forum: Investing - Help with Personal Investments
Topic: Company changing 401K provider. Time for in-service r/o?
Replies: 17
Views: 1362

Re: Company changing 401K provider. Time for in-service r/o?

I am not 59.5. Google in service 401k rollover. There are many articles on it. That's what I was trying to do without incurring penalties. It's definitely a thing, however uncommon it may be. However, since my provider/company inflicts a penalty and the new funds appear to be analogous to Vanguard ...
by JamesSFO
Thu Nov 13, 2014 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: Company changing 401K provider. Time for in-service r/o?
Replies: 17
Views: 1362

Re: Does Fidelity charge for additional monies to existing f

TheOne wrote:There is transaction fee of $75 for Vanguard funds at Fidelity.
If I buy these, will they charge me when I am adding more units of the mutual fund at a later time as well?


Yes, every purchase will incur the charge. Generally dividend/capital gain reinvestment will not.
by JamesSFO
Wed Nov 12, 2014 8:35 pm
 
Forum: Investing - Help with Personal Investments
Topic: Does Fidelity charge for additional monies to existing fund?
Replies: 6
Views: 538

Re: EE savings bonds for retirement

30 years is not the magic number any more. For current EE bonds only 20 years makes sense. In 30 years we'll know what made sense. If you max out your tax deferred and have a healthy taxable, it makes sense to have some long term guarantees. Well, as long as there is a USA. I think the point here w...
by JamesSFO
Wed Nov 12, 2014 8:05 am
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2130

Re: EE savings bonds for retirement

I would suggest that it is a strategy that includes some opportunity risk. If the risk does not show up, it will work well. If rates rise substantially when you are "locked in" at 3.53%, it will not be such a good investment. Obviously, you may choose to take that risk, or not. Also, whil...
by JamesSFO
Tue Nov 11, 2014 7:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2130

Re: EE savings bonds for retirement

The problem with this strategy is: What do you do if intermediate interest rates go up to 6% or so, after 10 or 12 years? You have two bad choices: 1. Continue to hold to 20 years to get 3.53 while you could be earning 6% 2. Cash out early, and then get .1% for all the years you have already held t...
by JamesSFO
Tue Nov 11, 2014 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2130

Re: EE savings bonds for retirement

Mel Lindauer (sp?) has a good post from 2013 about a strategy using EE bonds to set a nice floor by a married coupled buying $20K/year and then having $40K of guaranteed nominal spending available every year starting at 65... I think it's a reasonable strategy.
by JamesSFO
Tue Nov 11, 2014 5:49 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE savings bonds for retirement
Replies: 31
Views: 2130

Re: New Fidelity AMEX - with chip

I got issued a new card and then had to call and request a chip card. It is chip and signature.
by JamesSFO
Tue Nov 11, 2014 1:25 pm
 
Forum: Personal Consumer Issues
Topic: New Fidelity AMEX - with chip
Replies: 9
Views: 762

Re: Find flaws in my plans for Deferred Compensation?

I think order of magnitude is helpful, is 1% a year more like $50K? $100K? $500K? $1M? Etc. If 1% = $1M this forum might not be where I'd solicit advice! :happy As you can sort of back-figure from the tax rate references, its more in the range of your first two numbers. Not trying to be coy, or mod...
by JamesSFO
Mon Nov 10, 2014 5:38 pm
 
Forum: Investing - Help with Personal Investments
Topic: Find flaws in my plans for Deferred Compensation?
Replies: 13
Views: 762
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