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Re: Opening Online Savings Account with Credit Freeze

"know your customer"/patriot act; I have a freeze and sometimes if they are just doing the header/soft pull for the identity questions it works, other banks not so much.
by JamesSFO
Thu Apr 23, 2015 7:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Opening Online Savings Account with Credit Freeze
Replies: 10
Views: 913

Re: Mortgage Transfer May 1st - Payment??

One of my requirements when I refinanced was I always stayed with institutions that guaranteed that they would maintain the servicing of my loan for the life of the loan
by JamesSFO
Thu Apr 23, 2015 7:29 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 606

Re: Displeased with Fidelity Cash / BNY Mellon- debit card t

Just a reminder you can submit the materials in writing to Fido/BNY and explain your situation plus your working hours, attach the police report, etc. It's inconvenient but sometimes the only way to do it. When I had an identity theft incident in 2009 it was a pain and MOST places were good about de...
by JamesSFO
Wed Apr 22, 2015 7:46 am
 
Forum: Personal Finance (Not Investing)
Topic: Displeased with Fidelity Cash / BNY Mellon- debit card theft
Replies: 2
Views: 478

Re: Mortgage Transfer May 1st - Payment??

Honestly if you don't have automatic payments "pull" set up, this is one where if I could swing it I would make the payment BEFORE the transfer say on April 27th so the payment has settled by May 1st. But I'm a belt-AND-suspenders kind of guy. Theoretically everything should go smoothly bu...
by JamesSFO
Wed Apr 22, 2015 7:41 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage Transfer May 1st - Payment??
Replies: 9
Views: 606

Re: Random Questions about Solo 401(k)

If I set up a Solo 401(k) for a side business as a sole proprietorship, could the board help with these questions? 1. Are there any problems with intermittent contributions? Say I contribute $18,000 in one year, but nothing for three years, and another $5,000 in the fourth year. Is this OK? Should ...
by JamesSFO
Wed Apr 22, 2015 7:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Random Questions about Solo 401(k)
Replies: 5
Views: 342

Re: Abbreviation: "OP"

TigerNest wrote:What about "DW"? From the context, it sounds like it means spouse, but for the life of me I can't figure out what it stands for.


Dear Wife

For the reader:

DH (husband)
DS (sister or spouse or son)
DD (daughter)
etc...
by JamesSFO
Fri Apr 17, 2015 10:15 am
 
Forum: Forum Issues and Administration
Topic: Abbreviation: "OP"[? = "Original Poster"]
Replies: 14
Views: 1147

Re: Short term 6 month investment option

If you absolutely need the money, FDIC insured accounts. There are several banks paying closer to 1%.
by JamesSFO
Tue Apr 14, 2015 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Short term 6 month investment option
Replies: 4
Views: 372

Re: 2 commas and mortgage-free

Congrats!
by JamesSFO
Thu Apr 09, 2015 8:21 am
 
Forum: Personal Finance (Not Investing)
Topic: 2 commas and mortgage-free
Replies: 33
Views: 4487

Re: Switch to 15 year mortgage? (Cash flow vs. better rate)

I made a similar switch back around 2004 to a 15 year mortgage and it ended up being a good type of forced savings. But it definitely was tough for the 1-2 years in terms of cash flow.
by JamesSFO
Tue Apr 07, 2015 8:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Switch to 15 year mortgage? (Cash flow vs. better rate)
Replies: 17
Views: 1657

Re: EMERGENCY! Need to stop an ACH transfer happening tomorr

Moving the money around may just cause insufficient funds fees of various sorts that will be more disruptive especially if companies keep re-attemping the ACH pull...
by JamesSFO
Tue Apr 07, 2015 7:10 am
 
Forum: Personal Finance (Not Investing)
Topic: Need[ed] to stop an ACH transfer [that once was] tomorrow
Replies: 11
Views: 2521

Re: Purchase vs lease solar panels?

there was an article I believe in the NYTimes in the last week or so about the risks of leased panels when you go to sell the home, it disrupts the sale process. Not sure of the details... may be worth researching. EDIT latimes - http://www.latimes.com/business/realestate/la-fi-harney-20150322-story...
by JamesSFO
Thu Apr 02, 2015 8:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Purchase vs lease solar panels?
Replies: 34
Views: 2540

Re: Where to put money needed for downpayment in 1 year

If you absolutely need the money: FDIC insured bank accounts.
by JamesSFO
Wed Apr 01, 2015 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Where to put money needed for downpayment in 1 year
Replies: 10
Views: 1241

Re: Traditional IRA

If you want to buy the VG Target Retirement funds WITHOUT paying fees, you are going to need to buy them from Vanguard in all likelihood.

ETrade likely has fees to buy VG mutual funds.
by JamesSFO
Sun Mar 29, 2015 10:07 pm
 
Forum: Investing - Help with Personal Investments
Topic: Traditional IRA
Replies: 2
Views: 236

Re: Loan Terms -- Helping a friend going through Divorce?

We drafted the promissory note, they decided to split and then decided to stay together... so no loan as of yet.
by JamesSFO
Sat Mar 28, 2015 12:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Loan Terms -- Helping a friend going through Divorce?
Replies: 39
Views: 3550

Re: San Jose, CA Area Bogleheads Chapter

Actually there have been like 3 recent threads on buying homes in the SF Bay area and many more, can I humbly request that we NOT turn this thread into a discussion of issues that are already pretty well addressed in other areas of this forum.
by JamesSFO
Sat Mar 28, 2015 12:18 am
 
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 21
Views: 2202

Re: EE/I Bond Rate Predictions for May 1 2015?

I buy 2x/year for each once in the trust and once in my personal account
by JamesSFO
Thu Mar 26, 2015 1:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 9
Views: 1457

Re: EE/I Bond Rate Predictions for May 1 2015?

Thanks I will pull the trigger on my purchases now, I guess it was wishful thinking that it would be more...
by JamesSFO
Thu Mar 26, 2015 12:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 9
Views: 1457

EE/I Bond Rate Predictions for May 1 2015?

Any thoughts on whether to buy EE/I bonds now vs. after May 1? E.g. interest rate tea-leaf predictions
by JamesSFO
Thu Mar 26, 2015 11:13 am
 
Forum: Investing - Help with Personal Investments
Topic: EE/I Bond Rate Predictions for May 1 2015?
Replies: 9
Views: 1457

Re: Manufactured Spending - Good Idea / Bad Idea?

Is there an element that people like to (a) brag and (b) FT and other forums tend to bring out the most extreme cases? I remember a friend commenting on a Lego VIP points discussion on the Lego VIP forums and strangely everyone had tons of points... Remember to manufacture $XK/month in spending you...
by JamesSFO
Thu Mar 26, 2015 9:17 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9544

Re: What would you do with 1.25 million dollars for 1 year?

With incomes over $1M some of the safe harbors do not apply, e.g. in California no safe harbor amount...
by JamesSFO
Thu Mar 26, 2015 9:15 am
 
Forum: Investing - Help with Personal Investments
Topic: What would you do with 1.25 million dollars for 1 year?
Replies: 39
Views: 3624

Re: Why 529 plan makes any sense??

Let's go one step further. If a person had maxed up all the tax-advantaged space, the choice is between 529 and taxable A/C? Why 529 makes sense? In my opinion, 529 only makes sense if A) A person has enough money in taxable A/C to survive until retirement B) A person is retired C) A person is conf...
by JamesSFO
Thu Mar 26, 2015 8:17 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8800

Re: Manufactured Spending - Good Idea / Bad Idea?

Is there an element that people like to (a) brag and (b) FT and other forums tend to bring out the most extreme cases? I remember a friend commenting on a Lego VIP points discussion on the Lego VIP forums and strangely everyone had tons of points... Remember to manufacture $XK/month in spending you ...
by JamesSFO
Thu Mar 26, 2015 8:16 am
 
Forum: Personal Consumer Issues
Topic: Manufactured Spending - Good Idea / Bad Idea?
Replies: 109
Views: 9544

Re: Why 529 plan makes any sense??

You guessed it. It goes to show everyone's situation is different. Sure but the OP (Klang?) keeps pushing the Roth option as IF everyone can get all the $ out fully, if you can great, but as I think you posted later: Cliff notes: "529 doesn't suit me, so it shouldn't suit you either". 529...
by JamesSFO
Thu Mar 26, 2015 7:36 am
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8800

Re: Why 529 plan makes any sense??

There is a misconception here. While I would need to consider taxes and FAFSA, I know that I can withdraw whatever I like from retirement accounts when my kids are in college. There would certainly be no penalty for such withdrawals. ?Why because you would be over 59.5 years old? Contributions can ...
by JamesSFO
Wed Mar 25, 2015 11:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8800

Re: Booking a cruise online

Costco Travel is quite good.
by JamesSFO
Wed Mar 25, 2015 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Booking a cruise online
Replies: 8
Views: 965

Re: Why 529 plan makes any sense??

(1) Tax-free growth/redemption

(2) Tax-deductible (depending on state) contributions

(3) Behavioral economics benefits of separating money from bigger pool

(4) Signaling effects to intended recipient

There are more. Turning it around what do you see as negative about a 529 plan?
by JamesSFO
Wed Mar 25, 2015 12:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: When does a 529 plan make sense to me?
Replies: 194
Views: 8800

Re: Do all cost-basis calcs yield the same total capital gai

No, not all methods will result in same capital gains, especially if transactions incurring capital gains occur over time or less than all shares. For example, if you average cost sale of 10 of 100 shares then you might have a capital gain BUT if you did specific identification you might have a capi...
by JamesSFO
Tue Mar 24, 2015 10:24 pm
 
Forum: Investing - Theory, News & General
Topic: Do all cost-basis calcs yield the same total capital gains
Replies: 5
Views: 467

Re: San Jose, CA Area Bogleheads Chapter

Yep thanks for setting this up.
by JamesSFO
Mon Mar 23, 2015 9:46 am
 
Forum: Local Chapters and Bogleheads Community
Topic: San Jose, CA Area Bogleheads Chapter
Replies: 21
Views: 2202

Re: FA needs investment advice

FWIW, your question is somewhat buried you might want to edit your post to better highlight the question. I came back to this post a second time and still wasn't 100% sure what you were really trying to ask and thus why you may be getting some responses that seem off topic. It seems to me your quest...
by JamesSFO
Sun Mar 22, 2015 11:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: FA needs investment advice
Replies: 25
Views: 2390

Re: IRS Exchange rate reporting

IRS also provides (EDIT) yearly average that can be used if you have many payments over the year: http://www.irs.gov/Individuals/Internat ... ange-Rates
by JamesSFO
Fri Mar 20, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: IRS Exchange rate reporting
Replies: 4
Views: 333

Re: Schwab Intelligent Portfolios [now live]

No. First there is not currently any FAQ link on the SIP sub-site. https://intelligent.schwab.com/public/intelligent/about-intelligent-portfolios Look for this section: How does Schwab earn revenue on the 'cash feature'? Schwab Bank earns revenue based on the interest we receive by investing the ca...
by JamesSFO
Wed Mar 18, 2015 10:51 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Schwab Intelligent Portfolios [now live]

I see. Of course the actual facts of the matter indicate their FAQs, which was the first information put up on their site other than the coming soon placeholder, detailed quite clearly in the fees section - in a obvious and easy to find find subsection - what the OERs were. To state that up front a...
by JamesSFO
Wed Mar 18, 2015 7:24 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Schwab Intelligent Portfolios [now live]

I see. Of course the actual facts of the matter indicate their FAQs, which was the first information put up on their site other than the coming soon placeholder, detailed quite clearly in the fees section - in a obvious and easy to find find subsection - what the OERs were. To state that up front a...
by JamesSFO
Tue Mar 17, 2015 1:21 pm
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Schwab Intelligent Portfolios [now live]

Thanks greybus and harikaried. The 0.28% effective ER for cash/fundamental ETFs is totally reasonable especially since some people in this thread seem to be so eager to just hand over 0.25% to Wealthfront or Betterment instead. My primary gripe is they are hiding the ball on the fees. Not that the ...
by JamesSFO
Tue Mar 17, 2015 9:30 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Schwab Intelligent Portfolios [now live]

Thanks greybus and harikaried. The 0.28% effective ER for cash/fundamental ETFs is totally reasonable especially since some people in this thread seem to be so eager to just hand over 0.25% to Wealthfront or Betterment instead. My primary gripe is they are hiding the ball on the fees. Not that the ...
by JamesSFO
Tue Mar 17, 2015 7:15 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Starting a New Business with a Partner - Setup Questions

PS - an LLC is fine, remember the ownership of the LLC and how revenues are distributed need not be the same.
by JamesSFO
Mon Mar 16, 2015 7:36 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a New Business with a Partner - Setup Questions
Replies: 11
Views: 741

Re: Starting a New Business with a Partner - Setup Questions

I highly recommend Dave Ramsey's advise on partnerships at: http://www.daveramsey.com/article/the-dirt-on-partnerships/lifeandmoney_business/ Dave says that "the only ship that never sails is a partnership." I wish I had had that advice in 1984. Dave's advice (use a Joint Venture between ...
by JamesSFO
Mon Mar 16, 2015 7:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Starting a New Business with a Partner - Setup Questions
Replies: 11
Views: 741

Re: 401k Record Keeping Fee

Try brightscope - http://www.brightscope.com/

Might give you a sense of how your program stacks up
by JamesSFO
Sun Mar 15, 2015 4:00 pm
 
Forum: Personal Finance (Not Investing)
Topic: 401k Record Keeping Fee
Replies: 72
Views: 5377

Re: NYTimes on benefits of passive investing

livesoft wrote:This is why one needs a financial advisor to select actively-managed mutual funds for them every year or so. The funds picked last year are not going to be the best funds for the next year.


LMAO!

:sharebeer
by JamesSFO
Sun Mar 15, 2015 2:24 pm
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2918

Re: American Funds beats the market 97% of the time?

The American Funds also have some hinky numbers if you follow the NYTimes story today (http://www.nytimes.com/2015/03/15/your-money/how-many-mutual-funds-routinely-rout-the-market-zero.html) on active fund perfomance which showed that only 2 small-cap funds were consistently beating the market each ...
by JamesSFO
Sun Mar 15, 2015 8:01 am
 
Forum: Investing - Theory, News & General
Topic: American Funds beats the market 97% of the time?
Replies: 50
Views: 5362

NYTimes on benefits of passive investing

Good punchline at end: But what you never have, he said, is any indication that past performance predicts future returns. “It’s possible that any one of these funds will beat the market over the long term,” he said. “Some of them will do that. But the problem is that we don’t know which of them will...
by JamesSFO
Sun Mar 15, 2015 7:58 am
 
Forum: Investing - Theory, News & General
Topic: NYTimes on benefits of passive investing
Replies: 16
Views: 2918

Re: Best structure for setting aside 10 years of travel expe

Clarification requested do you have $200K sitting in cash now? (implicit but not 100% clear)

And how willing are you to put that principal at risk, e.g. if you only had $17K in 2023 what would you do?
by JamesSFO
Sat Mar 14, 2015 10:56 am
 
Forum: Personal Finance (Not Investing)
Topic: Best structure for setting aside 10 years of travel expenses
Replies: 13
Views: 1384

Re: Schwab Intelligent Portfolios

I am not posting to suggest the cash allocation is good, bad or indifferent. I am posting to say the "analysis" [note the quotes] that the Wealthfront CEO based his/her claims on and that is now being repeated in this forum as if it were fact, is in fact not analysis of the sort that the ...
by JamesSFO
Wed Mar 11, 2015 9:21 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Schwab Intelligent Portfolios

Just read this article - which could perhaps be dismissed as "sour grapes" - from a WealthFront member: https://medium.com/@adamnash/broken-values-bottom-lines-3d550a27629 Its the CEO of WealthFront. The cash criticism is reasonable, but everything else is the sound of thrashing against t...
by JamesSFO
Wed Mar 11, 2015 7:30 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Looking for a 401k plan with mega backdoor ROTH

I work for a mega-corp that uses Fidelity for our 401k plan administration and we are allowed to do 401k and IRA rollovers, after tax contributions, and in-service withdrawals, so I'm betting it depends on how the employer has setup the 401k. Same here, except I work for a government agency. Sure, ...
by JamesSFO
Wed Mar 11, 2015 7:27 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 797

Re: Schwab Intelligent Portfolios is live

Can someone check my math on the above? Since wealthfront and betterment don't keep any deposits sequestered in cash, doesn't Schwab's scheme result in higher costs by comparison (when considering the opportunity cost by those who would have invested the cash)? Your math is wrong. If Schwab puts th...
by JamesSFO
Tue Mar 10, 2015 10:46 am
 
Forum: Investing - Theory, News & General
Topic: Schwab Intelligent Portfolios [now live]
Replies: 369
Views: 32878

Re: Looking for a 401k plan with mega backdoor ROTH

I work at a company with 15 people, growing a few people a year. Our 401k is full of overpriced funds and we want to change to a less expensive provider. We’re certainly going to look into Vanguard assuming they will accept a company the size of ours. But since we’re in the market for a new plan an...
by JamesSFO
Tue Mar 10, 2015 12:46 am
 
Forum: Investing - Help with Personal Investments
Topic: Looking for a 401k plan with mega backdoor ROTH
Replies: 8
Views: 797
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