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Re: Cheap Carnival Cruises

Can I suggest posting at http://boards.cruisecritic.com/

there is a Carnival forum, my guess is the folks there will have more targeted advice.

FWIW, I would look into Carnival's Early Saver program which will honor price drops, but your payments are non-refundable.
by JamesSFO
Fri Aug 01, 2014 9:59 am
 
Forum: Personal Consumer Issues
Topic: Cheap Carnival Cruises
Replies: 11
Views: 1011

Re: Backdoor Roth IRA Conversion timing?

Does your 401Ks accept IRA roll-overs? If so, and if you have fairly decent funds in your 401Ks, I would roll over your non-deductible IRAs to your individual 401Ks, then do a clean Backdoor Roth for each of you. This way you don't have to worry about taxes at all Generally 401Ks won't take on an I...
by JamesSFO
Fri Aug 01, 2014 9:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth IRA Conversion timing?
Replies: 5
Views: 295

Re: Wells Fargo "Wells-Trade" Brokerage Questions

I've had a WellsTrade account as part of the PMA package for quite a while. I am grandfathered into the old system where there are no fees. I have purchased Vanguard Admiral funds without commission in the past. But those were NOT index funds. Those were actively-managed Vanguard funds such as GNMA...
by JamesSFO
Tue Jul 29, 2014 8:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 12
Views: 619

Re: Wells Fargo "Wells-Trade" Brokerage Questions

Wells Fargo PMA accounts (specific type of brokerage account) have had access to Vanguard Admiral shares as free trades for some time. My grandmother bought VG Total Stock Market Admiral Mutual Fund there for example with no fee. Depends on your account type that it be free, she gets 100 free trades...
by JamesSFO
Tue Jul 29, 2014 4:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: Wells Fargo "Wells-Trade" Brokerage Questions
Replies: 12
Views: 619

Re: Vanguard sued for charging too little

The accusation is that Vanguard charges more for it's overseas operations than it does it's domestic ones (50% higher ER for example for S&P500 ), and that this is evidence of under charging. On the face of though, there seem like any number of reasons why costs may be higher for funds in a for...
by JamesSFO
Mon Jul 28, 2014 1:33 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11810

Re: Vanguard sued for charging too little

Interesting complaint there seem to be two main thrusts, one is that VGI should charge the funds above cost instead of "at cost", quite honestly that seems like garbage to me. The complaint argument of "oh they could just charge an X% profit" and some of it would go back to the f...
by JamesSFO
Mon Jul 28, 2014 9:07 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11810

Re: Vanguard sued for charging too little

Professor Emeritus wrote:
JamesSFO wrote:
Professor Emeritus wrote:According to the complaint
...


Maybe I missed it but can someone post a link to the complaint itself?



My apologies I thought I had

http://taxprof.typepad.com/files/vanguard-complaint.pdf


Thanks!
by JamesSFO
Sun Jul 27, 2014 10:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11810

Re: Vanguard sued for charging too little

Professor Emeritus wrote:According to the complaint
...


Maybe I missed it but can someone post a link to the complaint itself?
by JamesSFO
Sun Jul 27, 2014 8:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard sued for charging too little
Replies: 114
Views: 11810

Re: Blog:Vanguard mutual fund brokerage commission expense

HI: New blog posting ---> Vanguard mutual fund brokerage commission expense in 2013 Aside you might want to fix your copyright notice "© Bogleheads Blog, 2014 - 201 6 . " (1) You are claiming future copyright dates, not permitted (2) The correct order is (C) YEARS Entity, e.g. "(C) 2...
by JamesSFO
Sat Jul 26, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Blog:Vanguard mutual fund brokerage commission expense
Replies: 6
Views: 737

Re: Cobra Insurance Disclaimer

Aside - depending on your health status, state, age and other circumstances you might want to consider switching to one of the ACA plans offered on either your state or federal exchange...
by JamesSFO
Sat Jul 26, 2014 1:44 am
 
Forum: Personal Finance (Not Investing)
Topic: Cobra Insurance Disclaimer
Replies: 5
Views: 503

Re: 401k rollover screw up, what to do

Weird, I didn't think it was allowed for a 401k plan to be split between vendors like this, seems rather unusual
by JamesSFO
Fri Jul 25, 2014 4:11 pm
 
Forum: Investing - Help with Personal Investments
Topic: 401k rollover screw up, what to do
Replies: 10
Views: 645

Re: The article on tax efficient placement needs to be rewri

After reading over this thread, I have a suggestion. I think the wiki should only give advice on tax placement that is more or less uncontroversial . To do that, the article could be divided into four sections. The first sections tells new investors what is absolutely clear about tax placement. For...
by JamesSFO
Fri Jul 25, 2014 11:42 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4145

Re: Fund placement

Why not just simply use a strategy of "equal location ?" Because either stocks or bonds will be in the wrong type account. Best wishes. Taylor This presupposes there is a right location, one thesis is that right location is so return (incl. interest rate) sensitive and tax rate sensitive ...
by JamesSFO
Fri Jul 25, 2014 11:31 am
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4145

Re: Advice needed for $825,000 nest egg

I manage this account since I am a 'Joint Tenant With Rights of Survivorship’ when my dad was alive helping him place buy / sell orders from his TD Ameritrade brokerage account (now in my mom’s & my name) Were you and your dad and your mom (all three) joint tenants with right of survivorship? T...
by JamesSFO
Fri Jul 25, 2014 11:29 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2290

Re: Advice needed for $825,000 nest egg

Yes check the tax status, you might be able to sell with minimal tax consequences due to stepped up basis on day of your dad's death for a portion. Alternatively sell the losers with the winners to have a net 0 tax bill and invest in what you want.

Either way, don't think you can time the market.
by JamesSFO
Fri Jul 25, 2014 8:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Advice needed for $825,000 nest egg
Replies: 15
Views: 2290

Re: Personal finance podcast to replace Marketplace Money?

I have been disappointed since the new format came out myself so appreciate the suggestions.
by JamesSFO
Thu Jul 24, 2014 10:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: Personal finance podcast to replace Marketplace Money?
Replies: 14
Views: 1900

Re: Old Mortgage about to 'fall off' credit report - now wha

Say it was going to lower your score slightly, what action would you take? Get another loan for no reason??????

My $0.02, recognize that the score is designed reward responsible behavior in aggregate and a few points one way or the other won't matter.
by JamesSFO
Thu Jul 24, 2014 9:34 am
 
Forum: Personal Finance (Not Investing)
Topic: Old Mortgage about to 'fall off' credit report - now what?
Replies: 13
Views: 1434

Re: The article on tax efficient placement needs to be rewri

I think all balanced funds across employer-sponsored retirement, IRA, and taxable is a perfectly reasonable choice. That said, once you move past doing that for whatever reason (lower expense ratios, bad choices of blended funds), what should we recommend? It turns out to that the answer gets compli...
by JamesSFO
Wed Jul 23, 2014 10:46 pm
 
Forum: Investing - Theory, News & General
Topic: The article on tax efficient placement needs to be rewri
Replies: 75
Views: 4145

Re: VG Admiral Fund-falling below minimum investment

Under plans that do fall under ERISA, you cannot discriminate against participants based on age, length of employment, amount contributed, etc. Hence, one person who gets lower Admiral expenses because they have a larger amount investment would violate this clause. But since 403b regulations precee...
by JamesSFO
Tue Jul 22, 2014 12:15 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3329

Re: Tapatalk Integration

.... I understand the underlying question is for a mobile style. Since we just updated to phpBB 3.0.12 , perhaps this might be a good time to ask the site owner about a phpBB supported mobile style. I've asked before and will ask again. I can't make any promises, though. I think that would help a l...
by JamesSFO
Mon Jul 21, 2014 11:25 pm
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12849

Re: Vanguard Client Dispute Resolution Dept.

One and all thank you for the replies. As to the previous post, I don't know what happened to it. I looked and couldn't find it, so I wrote this new one. It appears the old one was removed (but not by me). Would someone on the board have the ability to remove it? Kind of goes back to my Orwellian c...
by JamesSFO
Mon Jul 21, 2014 4:16 pm
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1621

Re: VG Admiral Fund-falling below minimum investment

Hmmm. Don't know about any ERISA regs that would be violated, but that doesn't mean there aren't any such... Which ERISA regs were you thinking of? What I do know is that for our 403b... I would have to find an older thread on this, but it has come up in discussions here previously, mostly about 40...
by JamesSFO
Mon Jul 21, 2014 3:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3329

Re: VG Admiral Fund-falling below minimum investment

ResearchMed wrote:
MossySF wrote:Apparently not in all retirement plans.


Really? Can you provide more details, my understanding from multiple discussions of this is that would violate ERISA for 401K/403B/etc. plans...
by JamesSFO
Mon Jul 21, 2014 12:30 pm
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3329

Re: Vanguard Client Dispute Resolution Dept.

Same response as was given in your prior (deleted?) thread - write the office of the CEO.
by JamesSFO
Mon Jul 21, 2014 8:38 am
 
Forum: Investing - Theory, News & General
Topic: Vanguard Client Dispute Resolution Dept.
Replies: 10
Views: 1621

Re: VG Admiral Fund-falling below minimum investment

spectec wrote:Just curious. If that happens, would it be advisable to sell it all and buy the comparable ETF (if one exists)?


In standard taxable investing I believe you can convert FROM the mutual fund classes to the ETF classes at Vanguard at no charge. Also not a taxable event.
by JamesSFO
Mon Jul 21, 2014 12:12 am
 
Forum: Investing - Help with Personal Investments
Topic: VG Admiral Fund-falling below minimum investment
Replies: 36
Views: 3329

Re: 401(k) Annual Increase Program

It's a good way to automatically increase your contribution each year when you get a raise in a way that you don't notice. If you are already happy with your contribution or maxed out then you don't need it. This! For a lot of people if they tend to get an annual raise it is a nice way to pre-commi...
by JamesSFO
Sat Jul 19, 2014 4:03 am
 
Forum: Investing - Help with Personal Investments
Topic: 401(k) Annual Increase Program
Replies: 3
Views: 321

Re: 15 year mortgage or a 30 year & Invest?

I guess I must be one of the few who thinks you are better off starting to save for retirement at 30 instead of waiting until 45. All other things being equal, including other retirement savings, the person who take a 15 year mortgage at age 30 can't invest any of that money (the stream of payments...
by JamesSFO
Thu Jul 17, 2014 11:59 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3582

Re: 15 year mortgage or a 30 year & Invest?

There are too many variables to provide a single definitive answer. Overall, both plans can make good sense. Personally, I paid off my mortgage in 15 years and now have been taking my payment on a monthly basis and putting it into taxable investing to keep growing my nest egg. For me that makes me r...
by JamesSFO
Thu Jul 17, 2014 6:15 pm
 
Forum: Personal Finance (Not Investing)
Topic: 15 year mortgage or a 30 year & Invest?
Replies: 34
Views: 3582

Re: I'm cosigner .. Friend thinking of bankruptcy .. Pls hel

I don't know if there are any legal ramifications, but consider this idea (or something similar): To encourage him to keep making his monthly payments, tell him that you would match any EXTRA payment that he makes each month. Only write a check to the financial institution, not the friend. And to e...
by JamesSFO
Tue Jul 15, 2014 1:05 am
 
Forum: Personal Finance (Not Investing)
Topic: I'm cosigner .. Friend thinking of bankruptcy .. Pls help
Replies: 64
Views: 7577

Re: Help - unsolicited 401k distribution

Note to self - do the roll over asap when leaving jobs. This! I managed to get my 401K money out of a company right before a merger, followed by a plan change, followed by a bankruptcy, since the latter two happened simultaneously nearly there was nobody to help with rollovers after the merger. It ...
by JamesSFO
Mon Jul 14, 2014 8:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Help - unsolicited 401k distribution
Replies: 9
Views: 821

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

placeholder wrote:Hard to believe the OP is complaining about Fidelity with those options available.


Quite, most people would be envious of a 401K with several institutional class shares.
by JamesSFO
Sun Jul 13, 2014 7:39 pm
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2269

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Nerdicus wrote:Note: please disregard the original post as it is irrelevant


You do realize you can edit your original post and put an update at the top?
by JamesSFO
Sun Jul 13, 2014 9:49 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2269

Re: Good California attorney for basic estate planning?

I've used Lynne Stutz in Campbell, CA - PM me for more information
by JamesSFO
Sun Jul 13, 2014 2:39 am
 
Forum: Personal Finance (Not Investing)
Topic: Good California attorney for basic estate planning?
Replies: 6
Views: 1106

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

Ok, good additional context, seems like you are already paying low/lower expense ratios on the index funds than you would on the VG fund via brokerage link, so why would you change?
by JamesSFO
Sat Jul 12, 2014 2:58 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2269

Re: Vanguard LifeStrategy Moderate Growth Fund through 401(k

You might want EDIT your post and include ALL of your 401K options, that said it looks like you have pretty good basic options in your 401K so I'm not sure why you would want to up your expense ratio vs. just rebalancing to more closely match your desired asset allocation?
by JamesSFO
Sat Jul 12, 2014 2:23 am
 
Forum: Investing - Help with Personal Investments
Topic: Vanguard LifeStrategy Moderate Growth Fund through 401(k)
Replies: 35
Views: 2269

Re: Best WSJ subscription price help

If you aren't attached to receiving the paper, e.g. you mostly want electronic access, you can subscribe and put your subscription on vacation holds for extended periods and stretch out your year for quite a while...
by JamesSFO
Fri Jul 11, 2014 11:54 pm
 
Forum: Personal Consumer Issues
Topic: Best WSJ subscription price help
Replies: 12
Views: 1321

Re: Tapatalk Integration

I'm still pro Tapatalk, but I would settle for a more mobile friendly design which doesn't seem to have happened either...
by JamesSFO
Fri Jul 11, 2014 11:10 am
 
Forum: Forum Issues and Administration
Topic: Tapatalk Integration
Replies: 46
Views: 12849

Re: 529 plan...with parent as beneficiary?

Unless these are special trips led by a university for a qualified education expense, e.g. study abroad or some such, seems pretty sketchy.
by JamesSFO
Wed Jul 09, 2014 12:48 pm
 
Forum: Personal Finance (Not Investing)
Topic: 529 plan...with parent as beneficiary?
Replies: 15
Views: 987

Re: When my IRA beneficiary dies….

If you really want control, name a trust as the beneficiary, the trust can dispense income for your 1st beneficiary's life and then to the charity. There are tax consequences to doing it this way that can be less advantageous.
by JamesSFO
Tue Jul 08, 2014 9:08 am
 
Forum: Investing - Help with Personal Investments
Topic: When my IRA beneficiary dies….
Replies: 7
Views: 936

Re: Bought AAMRQ before it changed to AAL - LT gain tax ques

American FAQ: http://phx.corporate-ir.net/phoenix.zhtml?c=117098&p=irol-faq The U.S. federal income tax consequences of the merger to holders of US Airways stock are disclosed in the Form S-4 filed by AMR Corporation with the SEC in connection with the merger, and the U.S. federal income tax con...
by JamesSFO
Sun Jul 06, 2014 10:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: Bought AAMRQ before it changed to AAL - LT gain tax question
Replies: 5
Views: 539

Re: Vanguard Intermediate California Tax Exempt

I've held this in the past, but ultimately rejiggered my holdings to keep my bonds in my 401K.
by JamesSFO
Sun Jul 06, 2014 10:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: California Intermediate-Term Tax-Exempt Fund
Replies: 9
Views: 939

Re: Morningstar Rates 529 College Saving Plans

Dario33 wrote:That's what I'm thinking. Not sure how New York didn't make the cut. VG funds and low costs.


Ditto for California's TIAA plan which also has low costs for the index options.
by JamesSFO
Fri Jul 04, 2014 8:08 pm
 
Forum: Investing - Theory, News & General
Topic: Morningstar Rates 529 College Saving Plans
Replies: 8
Views: 1160

Re: FICO Scores: Which one do you get?

Also getting a Discover Card or a card from Barclays or some of the other places that provide monthly genuine FICO scores for free is useful too.
by JamesSFO
Fri Jul 04, 2014 8:06 pm
 
Forum: Personal Finance (Not Investing)
Topic: FICO Scores: Which one do you get?
Replies: 20
Views: 1710

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

If what you claimed were true, then we would have seen an erosion of the premium after about 1990. I feel like this thread is suffering from amnesia, since it was already demonstrated that SCV had lower returns than SCG since May 1998(their inception date) in real funds on an after tax basis. I thi...
by JamesSFO
Thu Jul 03, 2014 11:00 pm
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6644

Re: Stick with Vanguard or take Fidelity "special deal"?

I am 100 percent with Vanguard, but have been thinking of switching to Fidelity because of serious dissastisfaction with repeated incorrect data displayed on Vanguard's website concerning transactions and performance of my account (and I am a Flagship customer). When I have complained to Vanguard a...
by JamesSFO
Wed Jul 02, 2014 11:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Stick with Vanguard or take Fidelity "special deal"?
Replies: 50
Views: 3083

Re: BOGLEHEAD CONTEST: Mid-Year Report

Wow, #2... not sure I want to stay #2 if the market is going to go up. :beer
by JamesSFO
Wed Jul 02, 2014 7:57 pm
 
Forum: Investing - Theory, News & General
Topic: BOGLEHEAD CONTEST: Mid-Year Report
Replies: 22
Views: 1853

Re: Vanguard - How America Saves 2014

I downloaded the article. I have also read Fidelity's similar articles. Per Vanguard, for a 35 year old, I've got what "average 45 year olds" have set aside already, but at the same time, I can't help but feel woefully, impossibility behind the 8 ball in terms of saving for retirement. I ...
by JamesSFO
Wed Jul 02, 2014 8:31 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3363

Re: Vanguard - How America Saves 2014

I agree with some of the posts questioning just how much insight these reports actually provide. Much attention is paid to average 401(k) balances, but what is frequently overlooked is the assets held in IRAs from 401(k) rollovers. There is also a significant amount of money held in Roth IRAs that ...
by JamesSFO
Wed Jul 02, 2014 8:30 am
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3363

Re: The Two-Fund SVIT Portfolios - Higher Returns and Lower

Also, small caps, and SCV, is a rather finite space to invest in, if too many people follow this strategy the small cap stocks would end up not so small and/or not so value-ish. This seems to be a rather large real-world impediment to implementing the strategy writ large.
by JamesSFO
Tue Jul 01, 2014 10:30 pm
 
Forum: Investing - Theory, News & General
Topic: The Two-Fund SVIT Portfolios - Higher Returns and Lower Risk
Replies: 110
Views: 6644

Re: Vanguard - How America Saves 2014

SteelyEyed wrote:Is there a roughly comparable document from any other of the big institutions, like Fidelity? It would be interesting to see if the findings are generally the same, such as 4 of 10 offer after-tax contributions, etc.


Not to my knowledge. But if you find one please report back.
by JamesSFO
Tue Jul 01, 2014 10:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Vanguard - How America Saves 2014
Replies: 16
Views: 3363
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