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Re: iOS 8 update available today

So 5 total devices migrated: 3 total success, 2 lost data (needed to use backup).
by JamesSFO
Thu Sep 18, 2014 1:14 pm
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 37
Views: 2601

Re: iOS 8 update available today

I did my iPhone 5s today, no problems, feels like a very incremental update. If you have a Mac and use iCloud, do NOT enable iCloud Drive until Yosemite (the new Mac OS X version) is available.
by JamesSFO
Thu Sep 18, 2014 12:25 am
 
Forum: Personal Consumer Issues
Topic: iOS 8 update available today
Replies: 37
Views: 2601

Re: Which debt to tackle first?

Mortgage: approx 270k at about 5.2% with 27 years remaining Wife student loans: 36k at 7%; currently deferred (still attending, will likely be about 40k when all is finished) My student loans: 8k at under 3% Car loan: 3k at 2.5% Start with the highest interest debt first, it is mathematically super...
by JamesSFO
Wed Sep 17, 2014 7:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Which debt to tackle first?
Replies: 21
Views: 1163

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

College of Financial Planning has nice summaries of limits, 2014 here: http://www.cffpinfo.com/pdfs/2014_Annual_Limits.pdf

This attorney has good summaries in a table format that includes IRA limits: http://benefitsattorney.com/charts/maximums/
by JamesSFO
Wed Sep 17, 2014 6:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2281

Re: How are future I-Bond rates looking?

See thread I started a few days ago: viewtopic.php?f=2&t=146914
by JamesSFO
Tue Sep 16, 2014 10:29 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2281

Re: Vanguard's Website - Bad, or just me?

Aside from (lack of a) rebalancing (feature) what are your specific issues? I personally prefer Fidelity's website, especially the new preview website, and especially for trading stocks/ETFs. But Vanguard's is more than serviceable. But you'll find many complaints about the VG website here and prefe...
by JamesSFO
Tue Sep 16, 2014 9:21 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard's Website - Bad, or just me?
Replies: 36
Views: 2242

Re: How to create a new 401k Plan

- Fidelity gets wonky about whether or not it will accept small plans, seems to change with phases of moon. Give 'em a call and see what they say. They are great for the employer and pretty easy to get payroll in. I used them for a ~20 person start up back in 2008 but by 2011 they weren't taking oth...
by JamesSFO
Tue Sep 16, 2014 6:03 pm
 
Forum: Investing - Theory, News & General
Topic: How to create a new 401k Plan
Replies: 3
Views: 300

Re: My first required EMV transaction in the US

During a chip transaction, the chip terminal does not read the mag strip. And the chip encrypts the communication with the financial institution, so this information can't be intercepted. ... Ok your point wasn't about an inherent unavailability of the numbers/codes, just that the EMV readers you a...
by JamesSFO
Tue Sep 16, 2014 12:49 am
 
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 974

Re: My first required EMV transaction in the US

It's a pity, though, that none of this actually impacts card-not-present transactions, which are the only type of credit card fraud I've actually had happen to me. However to commit this type of fraud you do need to have the credit card info. EMV makes it more difficult to get this info. :confused ...
by JamesSFO
Mon Sep 15, 2014 10:12 pm
 
Forum: Personal Consumer Issues
Topic: My first required EMV transaction in the US
Replies: 9
Views: 974

Re: Vanguard Recommending Quicken Changes

I have more 15 accounts in Vanguard. It seems like I can only direct download up to 10 accounts every time without any error. Too many download problems in one year. Vanguard should have done more testing before deploying the updates. May be I should transfer some accounts to other firms. So I had ...
by JamesSFO
Mon Sep 15, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: I/EE Bonds Nov Rates and 2015 401K Limits?

Thanks! I love this forum (and its members)
by JamesSFO
Sun Sep 14, 2014 6:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2281

I/EE Bonds Nov Rates and 2015 401K Limits?

So it's only ~45 days from the Nov 1 I/EE bond date, any educated guesses where rates will land?

Similarly, thoughts on whether the 401K limit will bump up to 18K for 2015?
by JamesSFO
Sun Sep 14, 2014 5:36 pm
 
Forum: Personal Finance (Not Investing)
Topic: I/EE Bonds Nov Rates and 2015 401K Limits?
Replies: 20
Views: 2281

Re: decoupled debit card?

linenfort wrote:That sounds like a decoupled card indeed. Thank you!
I was beginning to wonder if they still existed or if banks had squashed them.


Nordstrom has a similar debit card at least as of last December when I was considering.
by JamesSFO
Fri Sep 12, 2014 7:14 pm
 
Forum: Personal Consumer Issues
Topic: decoupled debit card?
Replies: 5
Views: 521

Re: New 2% cash back Mastercard from Citi

I'm puzzled by "nearly"... is the total cash back less than 2%? Am I missing some fine print? :? There's been some speculation--and I think that's all it is for now, but would welcome any corrections--that the 1% cash back you get on the initial purchase doesn't count for purposes of the ...
by JamesSFO
Fri Sep 12, 2014 12:46 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19853

Re: Vanguard Recommending Quicken Changes

My mom spent 90 minutes on the phone to get help with her accounts. They believe it was all successful...
by JamesSFO
Thu Sep 11, 2014 7:46 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: Vanguard Recommending Quicken Changes

My mother has been on hold with Vanguard for about an hour trying to get help (it's too hard for me to do this over the phone with her... yes I'm a bad son and all that... :wink: )
by JamesSFO
Thu Sep 11, 2014 5:02 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: vanguard - solo 401k account - login issue

Are you at smallbiz.vanguard.com?

There are TWO possible logins, one for smallbiz.vanguard.com to make contributions and another you can request that looks more like your standard login.
by JamesSFO
Thu Sep 11, 2014 1:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: vanguard - solo 401k account - login issue
Replies: 2
Views: 119

Re: Vanguard Lost $50k

Thanks to everyone for their advice here. I have finally received a wire transfer from Vanguard returning the 50k, there was no explanation forthcoming on what happened. They did offer to reimburse any fees I incurred (which was none) which I appreciate. I am still disconcerted over this experience...
by JamesSFO
Thu Sep 11, 2014 11:56 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Vanguard Recommending Quicken Changes

I just fixed my accounts, and everything is working properly again. The key is to make sure you go into the "account details" for each of your Vanguard accounts by right clicking on the account name, then go to "Edit/Delete Account," and then on the "General Tab," clea...
by JamesSFO
Thu Sep 11, 2014 11:10 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: Vanguard Recommending Quicken Changes

LadyGeek wrote:It might be this thread you started: Quicken and Vanguard - Download Problem (Sep 28, 2013)

Now would be a good time to do this, as tax season is just around the corner.


Yes... that would be the thread, sigh almost a year to the day...
by JamesSFO
Wed Sep 10, 2014 8:52 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: Vanguard Recommending Quicken Changes

I cannot get their solution to work and Flagship can not help so until tomorrow with the web team. Meanwhile, wasn't it almost exactly a year ago that VG messed this all up for Quicken users too?
by JamesSFO
Wed Sep 10, 2014 8:31 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: Math Help: Paying Home Mortgage Early?

Depends on how long you've had the loan - just got it, I vote 180 months - HP 12C calculator No, it will take longer because the loan has an interest rate of 3.75%, while the actual 15 year loan (180 months) has a rate of 3.25%. Yeah, dm200 nailed it but the OP's presentation of the loan size/rates...
by JamesSFO
Wed Sep 10, 2014 12:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Math Help: Paying Home Mortgage Early?
Replies: 16
Views: 1250

Re: Vanguard Lost $50k

Any resolve on this? I sent it to Vanguard and they gave me an uninterested type of reply. Was this whole thing a troll? :confused Why would Vanguard give you any reply on this, it's not your problem and they aren't going to share information about the OP. The OP has said he is going to give it ~1 ...
by JamesSFO
Wed Sep 10, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Setting up a New Profit Sharing 401(k). Need Advice.

I found out yesterday that Vanguard does not support FBO accounts so I can't house my 401(k)s there. I was told that they will only allow a "pooled account" which won't differentiate Roth vs Pre-tax contributions and if another member in my group wanted to use Vanguard their money would g...
by JamesSFO
Wed Sep 10, 2014 9:13 am
 
Forum: Investing - Help with Personal Investments
Topic: Setting up a New Profit Sharing 401(k). Need Advice.
Replies: 7
Views: 254

Vanguard Recommending Quicken Changes

Vanguard has a post today for Quicken users (https://personal.vanguard.com/us/insights/article/quicken-users-092014?SYND=RSS&Channel=AN) Basically, they are saying after today to deactivate and reactivate your accounts. Hopefully we won't have a repeat of problems with brokerage account numbers ...
by JamesSFO
Wed Sep 10, 2014 8:26 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 45
Views: 4235

Re: Quicken 2015 for Mac

It's a piece of garbage if you have any investments. It is not a replacement for the classic Quicken, it is very mint like.
by JamesSFO
Tue Sep 09, 2014 10:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: Quicken 2015 for Mac
Replies: 11
Views: 1127

Re: Cruise Around the World

I would strongly recommend checking out cruise critic (http://boards.cruisecritic.com) the forum is full of people who cruise a lot. There is an entire sub-forum dedicated to world cruising: http://boards.cruisecritic.com/forumdisplay.php?f=833
by JamesSFO
Tue Sep 09, 2014 7:55 am
 
Forum: Personal Consumer Issues
Topic: Cruise Around the World
Replies: 14
Views: 1397

Re: Vanguard Lost $50k

I appreciate all of the advice, except for those who somehow think I am a plant for some other brokerage or am sitting in a hot tub (even if I liked hot tubs I do not know what that has to do with my situation). I am a retired businessman who learned that the most important asset to any business tr...
by JamesSFO
Mon Sep 08, 2014 10:12 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Vanguard Lost $50k

The odds of an unacceptably resolved dispute appear to be 10%. Losing disputed funds forever would one of many possible outcomes that would constitute an unacceptable resolution to most people. The OP has $50k involved in his dispute. Therefore, the odds appear to be 10% of him experiencing an unac...
by JamesSFO
Sun Sep 07, 2014 6:58 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Bond Funds and Interest Rates Question

Per morningstar (http://quotes.morningstar.com/fund/vtapx/f?t=VTAPX) the fund's duration is 2.4 years. The textbook would say that if the funds rate when from the current (call it 0) to 4% in one fell swoop overnight then the value of the bonds would decrease on average 4% * 2.4 = 9.6%. However in p...
by JamesSFO
Sun Sep 07, 2014 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Bond Funds and Interest Rates Question
Replies: 17
Views: 1260

Re: Good Modern Science Fiction

Kage Baker's Company Series - start with "In the Garden of Iden" (http://www.amazon.com/Garden-Iden-Compa ... 00FO6QGAI/)
by JamesSFO
Sun Sep 07, 2014 6:49 pm
 
Forum: Personal Consumer Issues
Topic: Good Modern Science Fiction
Replies: 129
Views: 5136

Re: Vanguard Lost $50k

I had a similar problem with USAA, only involving a larger sum (they wired money twice). I moved my insurance business and some assets and told them why. I threw away the apology letter I received from USAA's President. I didn't want an apology. I wanted my money, and their waiting to give it back ...
by JamesSFO
Sun Sep 07, 2014 4:24 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Vanguard Lost $50k

And here is the promised poll: Has a financial firm made a mistake with your money? Observation as of 7:30am pacific time the votes are that about 55% of the 85 survey participants HAVE had financial institutions make a mistake in their account. And of those that had mistakes, only ~10% were left w...
by JamesSFO
Sun Sep 07, 2014 4:18 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Vanguard Lost $50k

And here is the promised poll: Has a financial firm made a mistake with your money? Observation as of 7:30am pacific time the votes are that about 55% of the 85 survey participants HAVE had financial institutions make a mistake in their account. And of those that had mistakes, only ~10% were left w...
by JamesSFO
Sun Sep 07, 2014 10:32 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Vanguard Lost $50k

After reading most of the posts, I've come up with a solution! Next time - overnight them a physical check - that's right, a paper check for which there is no chance of cashing "twice"! Of course, not many folks these days use that dinosaur, but sometimes dinosaurs can come in handy. :) S...
by JamesSFO
Sun Sep 07, 2014 9:33 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Lost $50k
Replies: 103
Views: 10703

Re: Equities in tax-advantaged = bad?

The wiki article (http://www.bogleheads.org/wiki/Principles_of_tax-efficient_fund_placement) has some thoughts on this, keep in mind that your asset allocation is generally more important and that asset location (or tax-efficient fund placement) is highly dependent on your beliefs about future tax r...
by JamesSFO
Fri Sep 05, 2014 8:24 am
 
Forum: Investing - Theory, News & General
Topic: Equities in tax-advantaged = bad?
Replies: 11
Views: 797

Re: New 2% cash back Mastercard from Citi

I was able to get there, but on the "manage and redeem page" I couldn't find an auto redeem. I see redeem as check, statement credit, and to a Fidelity account. I don't see anywhere to set one of these up so they occur automatically. I couldn't find it either when I first got the card a f...
by JamesSFO
Fri Sep 05, 2014 8:17 am
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19853

Re: Best ROTH IRA Brokerage for 2014 onward?

Hello everyone 24 year old male here. I'm reaching out to you guys to help me select the best ROTH IRA brokerage! I just picked up the Bogleheads book. Can't decide which brokerage firm to go with (Fidelity, Vanguard, USAA, Betterment, etc...) I like to consider myself very analytical and I will we...
by JamesSFO
Wed Sep 03, 2014 9:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: Best ROTH IRA Brokerage for 2014 onward?
Replies: 6
Views: 283

Re: New 2% cash back Mastercard from Citi

The only time this was an issue for me in Australia was at automated kiosks. Oz converted to only chip/pin on Aug 1 for regular over the counter txn's.... Actually in another thread I found the AU FAQ on this, the chip/PIN is for AU issued cards only, your signature-based card will still work if it...
by JamesSFO
Wed Sep 03, 2014 5:08 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19853

Re: Help to invest $120.000 [Norway]

arnelg wrote:I expect I will buy a new house/apartment after 5 years.


Money you will need in 5 years should not be in the stock market.
by JamesSFO
Tue Sep 02, 2014 8:52 am
 
Forum: Investing - Help with Personal Investments
Topic: Help to invest $120.000 [Norway]
Replies: 13
Views: 1028

Re: Why is The Suze Orman Show showing repeats?

sheople2 wrote:I've been watching every Saturday since 2002 and there has NEVER been a repeat before now.


There have been repeats before to my recollection. I would email CNBC or Suze Orman's website for more insights though.
by JamesSFO
Mon Sep 01, 2014 11:45 pm
 
Forum: Personal Consumer Issues
Topic: Why is The Suze Orman Show showing repeats?
Replies: 20
Views: 2332

Re: An inefficient market creating drag on index returns

Tanelorn wrote:Most of the effects OP is worrying about cannot be measured by tracking error - tracking error mostly captures implementation costs, not index performance.


This is a really important point.
by JamesSFO
Mon Sep 01, 2014 7:15 pm
 
Forum: Investing - Theory, News & General
Topic: An inefficient market creating drag on index returns
Replies: 54
Views: 3619

Re: Royal Caribbean Cruises Shareholder Benifit

Only need 100 shares, they will only apply 1 credit per cabin AFAIK. Also RC will not let you "stack" benefits, so if you get $100 OBC from booking with a special you won't also be able to get the shareholder credit (NCL is like RCL in this regard; however, Princess/Carnival will let you s...
by JamesSFO
Sat Aug 30, 2014 2:43 am
 
Forum: Investing - Help with Personal Investments
Topic: Royal Caribbean Cruises Shareholder Benifit
Replies: 18
Views: 2511

Re: Poor Janus, a look at this once high flying fund family

simplesimon wrote:Isn't saying the funds performed in the 97th or 94th percentile mean they did better than 96% and 94% of funds, respectively?


Normally yes, but from context it means they were in the bottom only 3% did better etc...
by JamesSFO
Fri Aug 29, 2014 8:58 am
 
Forum: Investing - Theory, News & General
Topic: Poor Janus, a look at this once high flying fund family
Replies: 72
Views: 7278

Re: New 2% cash back Mastercard from Citi

Just wondering why Citi structured the cash back like that - 1% when you buy + 1% when you pay off - instead of simply 2% like Fido AmEx. Is there a trick/catch somewhere? I would assume yes, in that they only have to give out the back half WHEN you pay it. If you carry a balance that might be a wh...
by JamesSFO
Thu Aug 28, 2014 11:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: New 2% cash back Mastercard from Citi
Replies: 195
Views: 19853

Re: Mortgages and financial freedom

As you know though, your mortgage paydown came from reducing your liquid savings. You haven't really made your situation better on a rational basis by paying off the mortgage even in the case of unemployment. Actually, I have because I was unwilling to invest those liquid savings while I had a mort...
by JamesSFO
Thu Aug 28, 2014 10:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6841

Re: Mortgages and financial freedom

California (SF Bay Area) resident here and I paid off my mortgage around age 40. I did it in stages, refi'ing into 15, then 10, then 5 and then finally paying off the last $150K. I probably fall into that situational bucket where much of this was about behavioral feelings about money than raw number...
by JamesSFO
Thu Aug 28, 2014 8:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Mortgages and financial freedom
Replies: 111
Views: 6841

Re: Compute Mathematical Best/Fastest Way to Pay off Car Loa

General consensus is I have to pay off a $13,000 car loan (6.2% interest) before I can start investing. Who said this? I would personally make sure I was maxing out retirement accounts (401K, 403B, etc.) at work [or at least to match], a Roth IRA, before making extra payments on this loan. Also do ...
by JamesSFO
Thu Aug 28, 2014 1:20 am
 
Forum: Personal Finance (Not Investing)
Topic: Compute Mathematical Best/Fastest Way to Pay off Car Loan?!
Replies: 16
Views: 1071

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.
by JamesSFO
Tue Aug 26, 2014 9:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: VBS upgrade roll out has started
Replies: 69
Views: 9400
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