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Re: 529 advice

FWIW in the CA plan, I just do 50% Index Bond Investment Portfolio and 50% Index U.S. Equity Investment Portfolio. But I'm only aiming to help my niece/nephew with one year of tuition (ages 5/2 respectively)
by JamesSFO
Fri Feb 27, 2015 1:05 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice
Replies: 10
Views: 503

Re: 529 advice

James, under the CA plan, which funds are similar to the Vanguard aggressive option age-based? It looks like the index single funds are cheaper than Vanguards. But what are the differences between the passive/active and single/multi plan? There's a big difference in fees. I'm knit-picking here, but...
by JamesSFO
Fri Feb 27, 2015 1:04 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice
Replies: 10
Views: 503

Re: No VWIUX at Fidelity

rrppve wrote:You can't buy Admiral shares anywhere but Vanguard...


This is not entirely true, we hold VG Admiral shares in a Wells Fargo PMA account. There are other places. But as a general proposition, one should not expect to be able as a retail investor have access to admiral shares outside of Vanguard.
by JamesSFO
Fri Feb 27, 2015 12:34 am
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1170

Re: 529 advice

Thanks for the responses, I guess the concern was the eventual withdrawal and lets say all expenses were covered for the semester and the balance dips below 3k, the maintenance fee then applies, but I guess we can always add more funds to the balance to avoid the fees. I will now look closer at the...
by JamesSFO
Fri Feb 27, 2015 12:33 am
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice
Replies: 10
Views: 503

Re: No VWIUX at Fidelity

Have you looked at the free to trade iShares ETFs at Fidelity?

https://www.fidelity.com/etfs/ishares

iShares ETF MUB might do the trick?
by JamesSFO
Thu Feb 26, 2015 11:42 pm
 
Forum: Investing - Theory, News & General
Topic: No VWIUX at Fidelity
Replies: 17
Views: 1170

Re: Am I ready to buy a home?

Two other bay area posts worth reading both from the last week

viewtopic.php?f=11&t=159327

viewtopic.php?f=11&t=159318
by JamesSFO
Thu Feb 26, 2015 11:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: Am I ready to buy a home?
Replies: 7
Views: 585

Re: 529 advice

The index-based options in the California plan are quite nice and there are NO fees and lower expense ratios for the index funds than all but NY last I checked. Also CA has a legislative proposal (not for discussion on this forum) about adding deductions for 529 contributions.
by JamesSFO
Thu Feb 26, 2015 11:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 advice
Replies: 10
Views: 503

Re: Vanguard sued for charging too little

The whistleblower's NY suit has to stay in NY courts because it is based on NY state tax law, not federal law. The whistleblower's IRS and SEC claims are federal but he doesn't pursue these, the IRS and SEC do. Are any SEC lawyers on this thread? I'd like to understand the SEC claim more. In genera...
by JamesSFO
Thu Feb 26, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 274
Views: 43966

Re: Fidelity IRA match for rolling over your tIRA or Roth IR

this is clever because you need to stay for ~3 years to get the full benefit. Compared to the xfer $X and get $Y offers this stops switching after 90-180 days in its tracks.
by JamesSFO
Thu Feb 26, 2015 10:18 am
 
Forum: Investing - Theory, News & General
Topic: Fidelity IRA match for rolling over your tIRA or Roth IRA
Replies: 3
Views: 371

Re: Vanguard sued for charging too little

But again, Vanguard will still be able to provide high value services and will still be more focused on client needs than most of its competitors. A current Vanguard vs. Fidelity thread includes tales of Fidelity acts that would never happen at Vanguard. Two questions here, and perhaps these have a...
by JamesSFO
Thu Feb 26, 2015 9:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 274
Views: 43966

Re: Rick Ferri looking to internationalize his portfolio

Looks like Vanguard is copying Rick, they are upping Intl stock + bond in Target date and LifeStrategy funds (posting.php?mode=reply&f=10&t=159493)
by JamesSFO
Thu Feb 26, 2015 9:18 am
 
Forum: Investing - Theory, News & General
Topic: Rick Ferri looking to internationalize his portfolio
Replies: 257
Views: 31496

Re: why do some people like Fidelity?

I own this fund in my 401(k), so no 1099-DIV. I am trying to decide if I should own FSGDX in a taxable account and would it be more tax efficient than VEU or VXUS or VTIAX. Thus, I need someone who has a 1099-DIV with information about this fund. The 12/12/2014 dividend was the sole dividend paymen...
by JamesSFO
Wed Feb 25, 2015 7:28 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: why do some people like Fidelity?

Let me ask this then in this thread: Anybody own FSGDX in a taxable account? If so, what were the foreign taxes paid on the 12/12/2014 dividend that netted $0.28175 per share? Fidelity refuses to tell me when I asked them. Twice. I am trying to determine the tax-efficiency of this fund. I don't hol...
by JamesSFO
Wed Feb 25, 2015 7:21 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: why do some people like Fidelity?

One other thing, automatic instant promotion to Advantage class shares (Fidelity's equivalent of Admiral). I entered an order that will bring my holdings of Fidelity Total Intl over $10K and was immediately told my funds would be converted concurrent with the purchase. Very class act.
by JamesSFO
Wed Feb 25, 2015 7:04 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: Buying a home in SF Bay Area

FredL wrote:Nobody mentioned Dale City. The rent in Dale City is lower and I have seen an apartment which has two level unit, the two bed rooms are in different level in the same unit. The two renters won't see each other except in the kitchen or getting in and out.


I assume you mean Daly City?
by JamesSFO
Wed Feb 25, 2015 4:42 pm
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3964

Re: Buying a home in SF Bay Area

And what about Earthquake insurance? http://www.wsj.com/articles/study-bolsters-view-that-san-francisco-area-is-due-for-big-earthquake-1413234343 The U.S. Geological Survey has said there is a 63% chance of one or more quakes with a magnitude of 6.7 or larger striking the Bay Area in the next 30 ye...
by JamesSFO
Wed Feb 25, 2015 8:20 am
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3964

Re: Buying a House - SF Bay Area

...but the prices in my area NEvER went down, ever. Not even one dip, even in the peak of the housing bubble where everywhere else lost -20+%. (Most parts in the Silicon Valley south bay area didn't lose any value at all.) Sorry, but prices DID go down even in San Francisco, Peninsula, and San Jose...
by JamesSFO
Wed Feb 25, 2015 8:17 am
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 23
Views: 1968

Re: 401K Provider

OK yeah. Although I am dealing with someone from vanguard right now, they would move me onto Ascensus if I signed up. Therefore, the customer service would be mostly through the 3rd party Ascensus not vanguard? I see your point. The comparison would really be Ascensus versus Ubiquity? Ascensus is t...
by JamesSFO
Wed Feb 25, 2015 1:53 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 46
Views: 1794

Re: Buying a home in SF Bay Area

I'd say the job market here is red hot right now no matter where you go, I've never witnessed something like this before it's quite crazy. A lot of the social networking jobs you're referring to are in Mountain View (google) and Menlo Park (Facebook, Linkedin [Actually HQ is Mtn View] ). Colleagues...
by JamesSFO
Wed Feb 25, 2015 1:44 am
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3964

Re: Buying a home in SF Bay Area

Also two threads same day on this topic from different people, not worthy of a merge but worthy of looking at both threads Thread with Dumbo as OP: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159318 Thread with BayAreaBuyer as OP: https://www.bogleheads.org/forum/viewtopic.php?f=11&...
by JamesSFO
Wed Feb 25, 2015 1:34 am
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3964

Re: Buying a House - SF Bay Area

Also two threads same day on this topic from different people, not worthy of a merge but worthy of looking at both threads Thread with Dumbo as OP: https://www.bogleheads.org/forum/viewtopic.php?f=2&t=159318 Thread with BayAreaBuyer as OP: https://www.bogleheads.org/forum/viewtopic.php?f=11&...
by JamesSFO
Wed Feb 25, 2015 1:33 am
 
Forum: Personal Consumer Issues
Topic: Buying a House - SF Bay Area [bayareabuyer]
Replies: 23
Views: 1968

Re: Buying a home in SF Bay Area

Neighbor here (live in Redwood City; work in Mountain View), I would recommend given the variety of change in your life right now (new job uncertainty; etc) that you hang fire for a bit. Plus you really don't have enough of a down payment built up.
by JamesSFO
Wed Feb 25, 2015 1:31 am
 
Forum: Personal Consumer Issues
Topic: Buying a home in SF Bay Area [Dumbo]
Replies: 79
Views: 3964

Re: 401K Provider

The quote I got from Vanguard was $3450 (for up to 16 employees) including ascensus. Is there a reason you were looking not to have ascensus? I was confused by your statement that Vanguard would handle it directly, to be clear, you will likely be talking to Ascensus employees if you have any proble...
by JamesSFO
Wed Feb 25, 2015 1:26 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 46
Views: 1794

Re: 401K Provider

Thanks James. That is very helpful. I do have the option of just going with Vanguard as the administrator (because we have over 500K of assets) with the same admiral fund line up, as ubiquity. But the Vanguard fees are about a $1000 more per year. I wonder if their customer service would be better ...
by JamesSFO
Wed Feb 25, 2015 12:00 am
 
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 46
Views: 1794

Re: 401K Provider

I am plan administrator for a ~$1M 401K plan with Ubiquity, they are adequate but customer service can be quite disappointing. We have all of the VG admiral shares in our plan. Interesting to hear of that. So, do you really have to push for answers, or do they screw up transactions, etc... Yes you ...
by JamesSFO
Tue Feb 24, 2015 11:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 46
Views: 1794

Re: 401K Provider

I am plan administrator for a ~$1M 401K plan with Ubiquity, they are adequate but customer service can be quite disappointing. We have all of the VG admiral shares in our plan.
by JamesSFO
Tue Feb 24, 2015 10:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401K Provider
Replies: 46
Views: 1794

Re: On line product reviews vs Consumers Reports

I find for big ticket purchases, Consumer Reports provides significant useful information to help evaluate the features I might need and understand the big tradeoffs and then use that to guide my search. For example, bagless vacuum cleaners are very trendy; however, CR shows that is they are not as ...
by JamesSFO
Tue Feb 24, 2015 10:32 pm
 
Forum: Personal Consumer Issues
Topic: On line product reviews vs Consumers Reports
Replies: 37
Views: 2535

Vanguard Brokerage 1099 Available

The consolidated 1099 Brokerage form just showed up in my account tonight, slightly earlier than the feared 2/28.
by JamesSFO
Tue Feb 24, 2015 9:39 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard Brokerage 1099 Available
Replies: 13
Views: 1045

Re: Vanguard sued for charging too little

Just to be clear there is NO IRS action, this is purely a state law, civil suit by a private party against Vanguard at this point.
by JamesSFO
Tue Feb 24, 2015 12:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 274
Views: 43966

Re: American Funds

Fidelity, Vanguard, and others will do the Simple IRA at basically no cost. (https://smallbiz.vanguard.com/)

But if you are trying to switch to a 401K, you may find the costs are unpalatable to your employer.
by JamesSFO
Tue Feb 24, 2015 8:15 am
 
Forum: Investing - Help with Personal Investments
Topic: American Funds
Replies: 3
Views: 423

Re: green dot card scam?

I believe it's a prepaid card, is it possible that someone was trying to send you a gift?

Identity theft is also a possibility but I just don't think they do individual accounts with SSN.
by JamesSFO
Mon Feb 23, 2015 8:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: green dot card scam?
Replies: 3
Views: 459

Re: why do some people like Fidelity?

Investing is all about the product (funds) I am buying and achieving my goals. I thought people would be bragging about Fidelity's fund line-up or financial plans. I constantly read about 1) Great website and 2) Excellent customer service. To me this sounds like "I'm buying this car because I ...
by JamesSFO
Mon Feb 23, 2015 7:58 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: Why do companies match 401K contributions?

I am not trying to hijack this thread, but just found out this week that husband is considered HCE at his company :( He contributes 10% to his 401 and average non-HCE contribution rate is only 2.2%. He is getting over $9,000 of his 2014 contributions sent back to him. Company laughed at him when he...
by JamesSFO
Sun Feb 22, 2015 8:27 am
 
Forum: Personal Finance (Not Investing)
Topic: Why do companies match 401K contributions?
Replies: 50
Views: 4240

Re: why do some people like Fidelity?

One example of how it matters - my spouse's 401(k) is with Fidelity. It has "dogs breakfast" of active funds in Fido Target Retirement selections, which have absolutely no fiduciary defense in my view . T hey are designed to sell Fidelity funds and make the Johnson family money. Period. F...
by JamesSFO
Sat Feb 21, 2015 5:23 pm
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: why do some people like Fidelity?

Vanguard has different limits on "frequent trading" it's debatable which approach is better/fairer. At Vanguard if you sell a VG mutual fund than you cannot repurchase that mutual fund for 60 days (except by mail/automatic investment). I think many people prefer Fidelity's website, general...
by JamesSFO
Sat Feb 21, 2015 12:37 am
 
Forum: Investing - Theory, News & General
Topic: why do some people like Fidelity?
Replies: 67
Views: 6627

Re: Vanguard merged Mutual fund + brokerage - anyone have ye

FredL wrote:If you are BH, why you bother with the merge? Only the day trader may be.


Some of us hold more than just a 3-fund portfolio, for example I am a buy-and-hold investor in some ETFs, etc. It is more convenient to have a single account for ALL taxable, etc.
by JamesSFO
Sat Feb 21, 2015 12:35 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard merged Mutual fund + brokerage - anyone have yet?
Replies: 34
Views: 5963

Re: Advice needed to re-kajigger my entire financial life

- If I hold a REIT in an IRA don't I have to reinvest the dividends? Seems to defeat the point of replacing my rental income. You have a choice whether to reinvest or not. But if you take the dividends, that is a withdrawal from the IRA. Just to be clear, there is a third option, have the dividends...
by JamesSFO
Thu Feb 19, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed to re-kajigger my entire financial life
Replies: 31
Views: 2672

Re: TDAmeritrade Forms 1099 Late

I don't have my Vanguard ones for the brokerage account yet...
by JamesSFO
Wed Feb 18, 2015 2:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: TDAmeritrade Forms 1099 Late
Replies: 25
Views: 1605

Re: Dave Ramsey Lashes Out at His Financial Critics

Pointing to the savings level feels rather disingenuous: sure if you never start to save then you will end up with a big goose egg, but once you do start saving, I would rather a pot of gold than a single bill... At that point most of Ramsey's argumentation really loses me.
by JamesSFO
Tue Feb 17, 2015 4:22 pm
 
Forum: Investing - Theory, News & General
Topic: Dave Ramsey Lashes Out at His Financial Critics
Replies: 89
Views: 9591

Re: Anyone regret paying off mortgage early?

Stupid question but with ~7 pages to the thread now, did we actually find someone who regretted paying off early? Also, to Victoria's example of a disaster loss. It's a reasonable thought in a non-recourse state if your mortgage loan is still non-recourse (often becomes recoursable during refinance)...
by JamesSFO
Tue Feb 17, 2015 1:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 318
Views: 38937

Re: No change to equity allocation in seven years?

Probably if you posted more the actual composition of your portfolio at both time periods you might get a more accurate answer, but the L fund is trying to stay static. So as the stock portion of the L fund went up in value, they kept rebalancing so that proportionally that fund maintained the same ...
by JamesSFO
Sun Feb 15, 2015 9:54 am
 
Forum: Investing - Help with Personal Investments
Topic: No change to equity allocation in seven years?
Replies: 2
Views: 387

Re: First Time Dog Owners -- Any Regrets?

I would HIGHLY recommend talking a friend into letting you pet sit (at your house) their dog for a week or so and see how it goes. Just a week of having a dog that is already reasonably well trained in your lives can be illuminating about the impacts in REALITY as opposed to theory.
by JamesSFO
Sun Feb 15, 2015 9:41 am
 
Forum: Personal Consumer Issues
Topic: First Time Dog Owners -- Any Regrets?
Replies: 83
Views: 5898

Re: 401k fees. should wife max out 401k?

Ok, even with the edit I'm still not 100% sure what the fees are, is it $400/quarter @ an overall rate of 0.25% per year which implies a balance of $640K... or is it a 1% per anum charge, 0.25% is assessed per quarter which would be $160K balance? My point being comparing the fees to the contributio...
by JamesSFO
Sun Feb 15, 2015 9:35 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees. should wife max out 401k?
Replies: 21
Views: 1107

Re: 401k fees. should wife max out 401k?

:confused

I'm having a math question here, if the fees are 0.25% then on $17,500, I come up with a $43.75 of admin fees. How is that 10% going to fees?
by JamesSFO
Sun Feb 15, 2015 9:25 am
 
Forum: Investing - Help with Personal Investments
Topic: 401k fees. should wife max out 401k?
Replies: 21
Views: 1107

Re: Vanguard sued for charging too little

And really that's my personal/fundamental problem with this lawsuit, which is that the logical end result is to argue that the government should be micromanaging each business transaction to force a certain result that is government tax-policy favorable, irrespective of the business logic. Well, wh...
by JamesSFO
Sun Feb 15, 2015 8:48 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 274
Views: 43966

Re: Vanguard sued for charging too little

Soxfan: Welcome to the Bogleheads Forum! Vanguard really shouldn't be charging services at cost. Why not? Best wishes. Taylor Taylor - I'm not Sox, and I don't claim to really understand the lawsuit/482 at some level, but these IRS regs may be insightful: http://www.irs.gov/pub/irs-apa/482_regs.pdf...
by JamesSFO
Sat Feb 14, 2015 11:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 274
Views: 43966

Re: Daily update for Mutual Fund

Hello, I have investments in VTSAX, is there any website or tool that would email and/or text me with the closing value each day? IFTTT.com doesn't recognize it as a stock, so I can't use that, which is what I tried. Google has a nice little card for it each morning when I do a google search, but I...
by JamesSFO
Thu Feb 12, 2015 2:06 pm
 
Forum: Investing - Help with Personal Investments
Topic: Daily update for Mutual Fund
Replies: 13
Views: 887

Re: Wiki - For new investors: The Importance of Saving Early

I will just say the very first graph on the wiki page sends me the wrong message, it took me quite a while to decipher it and get the message. I think you are better off showing a single time bar and growth up and to right for starting at 20, 30, 40, 50, and 60... I see your point and will update t...
by JamesSFO
Thu Feb 12, 2015 9:08 am
 
Forum: Investing - Theory, News & General
Topic: Wiki - For new investors: The Importance of Saving Early
Replies: 27
Views: 2342

Re: Wiki - For new investors: The Importance of Saving Early

I will just say the very first graph on the wiki page sends me the wrong message, it took me quite a while to decipher it and get the message. I think you are better off showing a single time bar and growth up and to right for starting at 20, 30, 40, 50, and 60...
by JamesSFO
Tue Feb 10, 2015 10:33 pm
 
Forum: Investing - Theory, News & General
Topic: Wiki - For new investors: The Importance of Saving Early
Replies: 27
Views: 2342
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