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Re: Upgraded to OS X 10.10 Yosemite

iOS 8.1 is required for SMS portion of Handoff to work correctly, but the phone call portion is working already.
by JamesSFO
Sat Oct 18, 2014 7:48 pm
 
Forum: Personal Consumer Issues
Topic: Upgraded to OS X 10.10 Yosemite
Replies: 33
Views: 3524

Re: ETF vs. Mutual Funds

ETF you have to buy the whole thing or none at all Perhaps (sort of) true with Vanguard. Fidelity, however, has 70 commission-free ETF's. You are misquoting, coolguy954 was referring to buying fractional shares, if you have $100 to invest you can get 0.5 shares of VG Total Stock mutual fund or what...
by JamesSFO
Wed Oct 15, 2014 8:45 am
 
Forum: Investing - Help with Personal Investments
Topic: ETF vs. Mutual Funds
Replies: 17
Views: 1157

Re: Crazy asset-based fees in my 401K!

Vanguard will not directly manage, it would be Vanguard + Ascensus or someone else.

Throw The Online 401K into the mix too, they are pretty similar to Employee Fiduciary.
by JamesSFO
Wed Oct 15, 2014 12:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Crazy asset-based fees in my 401K!
Replies: 49
Views: 2472

Re: When must I fund my solo 401k?

Um.... I guess theoretically your business could have 2 plans, one plan YourBusiness Plan Id 001 with custodian Vanguard the other YourBusiness Plan ID 002 with custodian Fidelity But it seems destined to cause problems and duplicative reporting requirements and perhaps other issues if you need to c...
by JamesSFO
Tue Oct 14, 2014 12:00 pm
 
Forum: Investing - Help with Personal Investments
Topic: When must I fund my solo 401k?
Replies: 11
Views: 540

Re: Investing Mortgage Payments

I think much like the Roth vs. Traditional IRA choice, which one is best depends a LOT on your beliefs about the future and your personal concerns. I personally ended up paying off my 30 yr mortgage in 15 years when all was said and done (multiple refinances occurred and in the end I just had a 5 ye...
by JamesSFO
Tue Oct 14, 2014 8:30 am
 
Forum: Investing - Theory, News & General
Topic: Investing Mortgage Payments
Replies: 11
Views: 1008

Re: When must I fund my solo 401k?

yes, april 15 to fund IF opened in prior year
by JamesSFO
Tue Oct 14, 2014 8:22 am
 
Forum: Investing - Help with Personal Investments
Topic: When must I fund my solo 401k?
Replies: 11
Views: 540

Re: 401(k) Profit-Sharing for Partners

It would help if you posted some of the names/sections referenced in the summary plan description (SPD) for your plan. This would be a rather non-standard 401K option and likely is a non-qualified plan layered on top of a qualified plan OR a highly complex qualified plan to allow such a degree of di...
by JamesSFO
Tue Oct 14, 2014 1:02 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Profit-Sharing for Partners
Replies: 1
Views: 168

Re: "Vanguard converting mutual fund accounts to brokerage?

... Their only choice is to either charge ridiculous fees for banking services, or to charge their non-banking customers more through expense ratios to subsidize those that want to bank until the system grows enough to support itself. Is that necessarily true? An obvious counterexample springs to m...
by JamesSFO
Mon Oct 13, 2014 6:32 am
 
Forum: Investing - Theory, News & General
Topic: "Vanguard converting mutual fund accounts to brokerage?
Replies: 72
Views: 8022

Re: Rewards credit card advice

Funny how they don't tell you the earnings rate for their card in their short summary on their credit cards overview page. Thanks for the info. JamesSFO, if you don't ever spend more than $250 a month on gas or $250 a month on groceries, the Sallie Mae card has a better rewards structure of 5% on b...
by JamesSFO
Thu Sep 25, 2014 11:38 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 46615

Re: Rewards credit card advice

I do the Fidelity Amex 2% everywhere + PenFed (5/3/1 really like 4.1/2.46/0.82% because points are devalued 18%), that hits a nice point on the complexity/return trade off curve without having to pack my wallet with bunches of cards or consult a chart on what card to use where.
by JamesSFO
Thu Sep 25, 2014 10:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Rewards credit card advice
Replies: 66
Views: 46615

Re: New VG upgraded account feature - shows "in progress"?

This is great. The lack of pending/in progress information was one of my biggest negatives with Vanguard. If these improvements keep happening, I may even have to put some money at Vanguard. :moneybag LOL Seriously, it does seem like between the upgraded account format (merged brokerage/mutual fund...
by JamesSFO
Thu Sep 25, 2014 10:40 am
 
Forum: Personal Finance (Not Investing)
Topic: New VG upgraded account feature - shows "in progress"?
Replies: 13
Views: 1055

New VG upgraded account feature - shows "in progress"?

http://i62.tinypic.com/2dlpria.jpg Just noticed that since upgrading my (taxable) vanguard account to the new merged brokerage account style, you get "in progress" indicators when you have transactions pending. I have to say for all the negativity the VG website receives, this is somethin...
by JamesSFO
Thu Sep 25, 2014 10:33 am
 
Forum: Personal Finance (Not Investing)
Topic: New VG upgraded account feature - shows "in progress"?
Replies: 13
Views: 1055

Re: S&P 500 guarantee without the annuity

Wait...so the main thing you want is portfolio insurance? You want to insure that your portfolio is worth x and are willing to trade being able to only withdraw a small percentage of your portfolio at any given time? Yes It seems to me you can buy the hedge then since you are only buying a ~1 year ...
by JamesSFO
Wed Sep 24, 2014 12:00 am
 
Forum: Investing - Theory, News & General
Topic: S&P 500 guarantee without the annuity
Replies: 21
Views: 1883

Re: Vanguard Recommending Quicken Changes

USAA has also had problems this past week or so... Sigh.
by JamesSFO
Tue Sep 23, 2014 10:51 pm
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5974

Re: Consolidating investments - please advise

Can I recommend putting the fund names, most of us don't know the symbols by heart? You can edit your original post here.

Also you will likely get more/better answers if you use the asking portfolio questions format: viewtopic.php?t=6212
by JamesSFO
Tue Sep 23, 2014 8:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Consolidating investments - please advise
Replies: 6
Views: 795

Re: Consulting fees: non working travel time

As long as you spell out your practices and your client agrees all is fair. I've seen 100% charges for travel time 50% and no charges. At our law firm we do not charge for local travel time by car but DO tend to charge for all other travel at 100% but if we work on other projects while traveling we ...
by JamesSFO
Mon Sep 22, 2014 3:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Consulting fees: non working travel time
Replies: 32
Views: 1991

Re: Quicken Vanguard redo problems

TheGreyingDuke wrote:Thanks for the tip,it worked a treat!

Now I have the mismatched brokerage accounts, some with old Pershing numbers. Time to call the flagship!


You need to use the Pershing numbers I believe, I could not get downloads to work with the non-Pershing numbers.
by JamesSFO
Fri Sep 19, 2014 8:06 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5974

Re: My IPS in computer pseudocode

Surprisingly, even with a simple 3-fund portfolio like I am doing, you still cannot get all cases covered with a one page algorithm, especially if you want to be tax efficient. why not? tbm = if age>100 then 100, else age //tax-sheltered account tism = 20*(100-tbm) tsm = 100 -tbm -tism if currentbo...
by JamesSFO
Fri Sep 19, 2014 7:54 am
 
Forum: Investing - Help with Personal Investments
Topic: My IPS in computer pseudocode [Investment Policy Statement]
Replies: 24
Views: 2749

Re: Quicken Vanguard redo problems

You might get more luck here: http://www.bogleheads.org/forum/viewtopic.php?f=11&t=146633 [recommended merge] But likely it still thinks your IRA accounts are linked to Vanguard (more specifically zzzVanguard). Example, in quicken you have 2 accounts "VG Taxable" and "VG IRA 1&quo...
by JamesSFO
Fri Sep 19, 2014 7:50 am
 
Forum: Personal Consumer Issues
Topic: Vanguard Recommending Quicken Changes
Replies: 62
Views: 5974

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: 65
Views: 5877

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: 65
Views: 5877

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: 1235

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: 2508

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: 2508

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: 2426

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: 4
Views: 497

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: 1018

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: 1018

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: 62
Views: 5974

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: 2508

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: 2508

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: 548

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: 232
Views: 26972

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: 62
Views: 5974

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: 62
Views: 5974

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: 128

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: 10816

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: 62
Views: 5974

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: 62
Views: 5974

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: 62
Views: 5974

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: 1329

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: 10816

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: 272

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: 62
Views: 5974

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: 1288

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: 1447

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: 10816

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: 10816
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